davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX Balance : {$450.00} ; XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I am submitting this complaint today to inform you that I have been a victim of identity theft. I conducted research on how to remove fraudulent accounts and information from my credit report, and I discovered that I need to visit the Federal Trade Commission ( FTC ) or XXXX XXXX XXXX to file a report. According to Section 605b of the Fair Credit Reporting Act ( FCRA ), Credit Reporting Agencies are obligated to remove and block any items listed on an identity theft report. Please find the attached documents that will assist in blocking the erroneous information that is being posted on my report. Here is a list of items that do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$440.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to Section 605B ( a ) of the FCRA, Credit Reporting Agencies are required to block any information in the file of a consumer that the consumer identifies as resulting from alleged identity theft within four business days of receiving the information.
Consumer complaint received 2016-05-01
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (PA)

This is not a specific complaint about any XXXX of the credit bureaus. It is a comment about the process of getting the free annual credit reports that federal law mandates. I tried to get my free annual credit report from XXXX on XXXX/XXXX/XXXX. I went through the process and ended up with XXXX reports. The issue is with the identify verification process that each credit bureau uses in order to verify who you are and issue your report. They use obscure pieces of information from your past credit history because supposedly " you would be the only XXXX to know that kind of information ''. Each bureau asks 5 or 6 questions. That is 15 or more obscure questions that you have to get right in order to get your reports. Anyone in their XXXX like me with 30 years of financial history has probably gone through a number of car loans, at least a couple of mortgages and a whole bunch of credit cards and store cards. How am I supposed to answer questions like which credit card or store card I opened an account with in XXXX? I keep meticulous records and yet I can not answer that question. After completing the process I had the distinct impression that it was more difficult than it had to be on purpose. I can only speculate about the motives behind such a decision but the end result is that fewer people get the free reports that they are entitled to. Now, instead of being able to do the request online, I have to call each credit bureau and answer the same kind of obscure questions over the phone. If XXXX of financial institutions can confirm your identity without asking you to remember the monthly amount of your mortgage from XXXX, then the credit bureaus can certainly do the same thing.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WV)

I paid my XXXX  XXXX account off and was never ever late on it and Ive tried this multiple times and t none of the bureaus will change ur event though I paid the card off or paid the minimum payment before the due date. They also closed the credit card with XXXX notification and stated that it was because of returned payments which happened because I was on XXXX for XXXX and was struggling with it and my work wasnt paying me like they were supposed to. Additionally this account should have a XXXX balance on my credit report yet it doesnt.
Consumer complaint received 2023-07-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (WV)

This complaint against Wells Fargo has to do with their actions during the subprime mortgage lending period. The documents being sent with this complaint will show their actions two months prior to the illegal closing on the property located at XXXX XXXX XXXX XXXX XXXX WV XXXX. It shows the actual date of XX/XX/XXXX, with a 6 % interest rate. In XXXX of XXXX, we were not even a year complete, from filing XXXX  XXXX bankruptcy. Up until the memo went out XX/XX/XXXX, we ended up with a completely new mortgage specialist, and all the lower interest rates disappeared as well. The XX/XX/XXXX commitment letter the monthly payment is XXXX. Upon the actual closing the monthly mortgage payment was XXXX Ive also proven Wells Fargos company was the closing company and the title insurance company XXXX title company and XXXX XXXX were affiliates of Wells Fargo. So the internal memo from the title company to the closing company is more evidence of the conspiracy then and Wells Fargos continued denial of everything they have been found guilty of have admitted to the numerous laws broken. The SEC allowing Wells Fargo to be fined rather than prosecuted for Wells Fargos actions during the subprime mortgage lending period. The same time period we became the victims of the biggest criminal enterprise in the history of XXXX schemes bank closings. Wells Fargo has knowingly and willingly not only broke numerous laws, caused the XXXX housing market crash and devastation, the reason the CFPB was started. Supposedly to help consumers with getting compensation.
Consumer complaint received 2024-10-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (MI)

I have had fraudulent charges made to XXXX XXXX XXXX under my name. Credence Resource Management claims to own the debt. I contacted XXXX XXXX XXXX and asked about charge offs. Per XXXX XXXX XXXX, they do not sell their debt and they use a company called XXXX XXXX to help recover any debts. I do not recognize Credence. They have multiple addresses and the address on my XXXX credit report is incorrect. I sent a certified letter with return receipt to their XXXX location and it still has yet to be delivered. I am not certain there is a legitimate business at their XXXX XXXX supposed location. Credence had XXXX alleged debts for me from XXXX XXXX XXXX and XXXX of them had to be removed from my credit report because they could not prove the debt was mine. I believe they are trying to collect on the other account they claim I owe fraudulently like they did before. This company should be investigated for deceptive and untrue claims. They should also be investigated for their right to even collect debts as I think this is a scam company. I filed a FTC Identity Theft Report and plan to file a local police report this week.
Consumer complaint received 2017-02-08
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (MI)

I graduated college XX/XX/2010 and my loans were through XXXX, shortly after my loans transferred and serviced with Navient. At the time, with the struggling economy, I was n't able to pay on my student loans and when I contacted Navient they pushed for forebearance ( instead of cheaper payment options ). Flash forward XXXX years later and the loan I once owed XXXX on is now XXXX! ... and these are government loans " the better ones ''. My interest rate on these loans is 6.8 % ( subsidized and unsubsidized ) ... I 'd be lucky to get that return in a retirement fund ( which is also why I have n't been saving for retirement ).
Consumer complaint received 2015-08-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I recently pulled my annual credit reports and I noticed that an account ( XXXX 's XXXX ) is listed as an adverse account because of XX/XX/XXXX late payments. The late payments are for XX/XX/XXXX and XX/XX/XXXX with the remaining payments being paid in full starting XX/XX/XXXX. I believe this is quite disingenuous for TransUnion to claim that this account is " adverse '' when it 's been paid in full for over the last XXXX years. I know this has had a negative impact on my score and believe this should be corrected immediately.
Consumer complaint received 2023-07-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: FIFTH THIRD FINANCIAL CORPORATION (AZ)

Dividend finance is the company who financed my solar panels. We applied for solar back in XX/XX/XXXX, but from getting them installed took months, so we actually dealt with the company installing the solar panels which took months, because of county permits, etc. So by the time panels got installed it took months after we signed paperwork back in XXXX. Panels finally got installed and we wouldn't start paying until 60 days after installation before payments would begin. Dividend company didn't even send a prior notice n it notification, payments began but when they began I didn't even remember who the finance company was at this point was anymore. By this point in XXXX I just noticed " dividend 102 '' with money missing in XXXX, at this point and XXXX from my bank account and I flagged it as unrecognized, in which XXXX XXXXXXXX XXXX put in an investigation, because they didn't know who Dividend 102 was either and usually they have more information regarding names such as " dividend 102 '' that were automatically taken out as payments, or they can give me a phone number, but nothing was showing on their end either, so no phone number, address, nothing. After a week of investigation which by this point is, late XXXX they determined in my favor and returned the money to my checking account ... Days pass that's that's when XXXX XXXX notifies me of my credit score going down XXXX points and who finally gives me the information I needed to finally reach Dividend, and put together who Dividend,102 was and finally I was able to reach out to them, catch up on my account immediately in the beginning of XXXX, I even payed XXXX early. I tried speaking to supervisors, different representatives and see if I could be forgiven for all the misunderstanding, and up until now they do not want to help me resolve this. The main reason I am so skeptical with weird transactions, I was a victim of identity theft 7 years ago, and I have proof of that, I even have my credit frozen in all 3 credit bureaus and have to unfreeze my credit when I have to for sure situations, I really take care of my credit. My XXXX credit went down the drain because of this company, XXXX points! While XXXX and XXXX are in excellent standing in the mid 700 's. Dividend didn't even bother to send me a statement before my first charge in XXXX, XXXX, or even XXXX... I barely received my first statement in XX/XX/XXXX, and I received them both thru email and text. 

I explained the situation to dividend finance and even sent paperwork explaining how and why the confusion happened, even a letter from XXXX XXXXXXXX XXXX, it wasn't that I was deliberately late, I'm never late to any of my credit cards, mortgage, etc.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XX/XX/2022 XXXX
Consumer complaint received 2016-10-05
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A. (GA)

I am a Citi XXXX user. On regular basis, I pay my dues and use the card for most of my transaction. For two simple reasons I use this card regularly. 1. I want to use one card, so that I can check my expenditure on regular basis. 2. cash back offer of the card. 
I paid in total XXXX ( XXXX ) last Monday ( XXXX/XXXX/16 ). 
I have a credit limit of XXXX. I had to pay some insurance bills, which is around XXXX. And earlier I had dues of XXXX. So I paid my dues as I do always & after paying, I wanted to pay my Health insurance bill and it was rejected. 
I tried to call, msg, email. But every time different answer. 
No one gives me proper solution. 
Now I received a reply where they are saying The payment of XXXX is on hold. There msg reply given below : " Our records show the hold on your payment will be removed from your account on XXXX/XXXX/2016. You should have access to these funds on XXXX/XXXX/2016. '' I would also like to add, today I have direct deposited ( Which I always do ) from my checking account XXXX. Now in all together my dues XXXX. But available balance still showing XXXX as earlier. 
They are not providing proper solution and I am stuck.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NM)

On XX/XX/XXXX the collection company XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX send me to collection for a bill of {$970.00} from XXXX XXXX XXXX, account # XXXX that was not paid. I never lived at the address where this account was opened and I never open this account. I contacted them about this charge and they acknowledge that was not mine. I disputed this with all 3 Credit Companies last year and all of them removed this from my credit file back in XX/XX/XXXX. But this keep showing up on my Experian and XXXX credit report. This been happening for the pass couple months and I'm getting tired about this charge. I will appreciate that Experian credit bureau and XXXX credit bureau removed this from my credit report. If not I am going to start a legal action. Thank you.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX. This inquiry is Inquiry :XX/XX/2023. Not mine I - Demand it be XXXX. REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-09-19
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XX/XX/2016 at around XXXX I attempted to make a deposit of of {$380.00} in cash and a {$90.00} check for a total of {$470.00} at the XXXX 's Huntington Kiosk inside XXXX XXXX in XXXX Ohio. I counted my cash three times before I handed it to the teller who did n't count it in front of me and proceeded to put it in the bill counting machine, which I 've now since learned is called the discriminator. I told the teller the amount I was depositing before he took it to the discriminator. To my dismay and concern he came back insisting I had made a deposit of {$120.00} less than the amount I had referenced. I was incredulous. However, my ire was n't raised until the second banker came over and said he was there to help me. Instead of asking me what my experience was or listening to it, he simply reiterated what the other teller had said and insisted that while he may have dropped a bill or XXXX it was impossible to drop more. He looked down at the floor as he said this. At no time did either try to get my side of the story, or offer to count down the drawer. Instead they both repeated the amount that they insist the discriminator counted. I said that I would never return to this bank branch and that I would go ahead and withdraw my funds and put them in a credit union, as many I knew were doing this. At this point the teller insisted I leave and pointed his finger at me to do so. the next Tuesday morning I went to my Huntington branch and I filled a grievance and was told that now they are discouraged from counting cash back in front of you as it takes too long. I was not offered the possibility of making a report. I had to suggest it and then insist. While the teller was very helpful with the details and did finally ask for descriptions of both tellers, initially he seemed reticent to take the report. I see this as a warning to anyone who intends to deposit it this branch. I believe the XXXX tellers were running a scam at the point of deposit and believe they played on my weak spots to make me question what happened. I was also incredibly concerned at the less then concerned response I was initially met with at the branch banks as well.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$880.00} ; XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance Owed : {$660.00} ; DOE XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023.
Consumer complaint received 2017-08-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC. (GA)

I 've discovered these charges I 've been billed for merchandise I never ordered or received. Some funds where returned but then taken away again. 

XXXX XXXX, XXXX XXXX E-PAYMENT - {$300.00} XXXX XXXX, XXXX XXXX E-PAYMENT - {$49.00} XXXX XXXX, XXXX XXXX E-PAYMENT - {$170.00} XXXX XXXX, XXXX XXXX E-PAYMENT - {$1500.00} XXXX XXXX, XXXX XXXX E-PAYMENT - {$2000.00} XXXX XXXX, XXXX XXXX E-PAYMENT - {$580.00} XXXX XXXX, XXXX XXXX E-PAYMENT - {$290.00} XXXX XXXX, XXXX XXXX E-PAYMENT - {$1400.00} XXXX XXXX, XXXX XXXX E-PAYMENT - {$2200.00} XXXX XXXX, XXXX XXXX E-PAYMENT - {$2400.00}
Consumer complaint received 2017-03-08
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

On XX/XX/2016 my husband and I paid off our Mortgage Loan # XXXX at Fifth Third Bank on Butternut in XXXX MI. To date we have not received a discharge of Mortgage or release of lien on our home. I have spoken with a representative at their customer service department who told me I could go to the XXXX for that information ; we did not make our payments to XXXX. I have also spoken a number of times with XXXX, a manager at their XXXX Branch ( the Branch where we did business ). Each time I have spoken with XXXX, I was told to expect " something '' in the mail or that I would get a call to pick it up at the branch. After a month of repeated calls I have yet to receive anything!!! Is it not a normal course of business for a lender to provide evidence of a satisfied debt to their customer? In the past when paying off a mortgage/loan I have received the original note marked " discharged '' or " satisfied ''. Is this an unusual request?