davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX F, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reportsPlease let me know if you need any other information from me to block this information on my credit report.Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX F, XXXX XXXX, FL XXXX
Consumer complaint received 2015-05-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: COLLECTION BUREAU INCORPORATED (ID)

XXXX XXXX of Idaho turned me into CBI for a {$100.00} debt that I paid on XXXX/XXXX/15. They have refused to communicate with CBI that I did, in fact, pay the debt, and CBI subsequently calls me weekly, and has now falsely reported to the credit bureau that I owe the debt. I have been in communication with both the provider of services and collection agency to get this issue cleared up, and the provider of services is refusing to communicate with the collection agency.
Consumer complaint received 2015-08-05
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: FIRST CITIZENS BANCSHARES, INC. (SC)

Closed online account more than a year ago, due to identity theft of financial and personal information. On today requested online setup to learn that several transactions do not appear online nor on bank statements. Placed a call to First Citizens Bank online speaking with XXXX, XXXX, and XXXX to only receive partial but haste and incomplete information regarding account information for Routing XXXX XXXX. Please see attachment of proof that a deposit from the IRS and SC Department of Revenue are in question.
Consumer complaint received 2015-07-15
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (OH)

my husband got temporarily laid off work on XXXX XXXX. I contacted wells fargo my mortgage lender on XXXX XXXX regarding help with our loan. I explained our situation and started working with a home preservation specialist. I was under the impression that I would be applying for a forbearance or loan modification. I done everything they asked in a timely manner and 30 days later was denied due to lake of income which was calculated incorrectly. I contacted my specialist and was told to file appeal and resubmit income, which I did. I called back a few days later to make sure they got everything and they said they had and it would be 7-10 days for a decision. called back 10 days later when I had not heard from them and they said nothing that I had sent in had been submitted to underwriting but they would send it in today and it would be 7-10 more days for a decision. 20 days later and several phone calls to them checking on the status they denied me again. I called my specialist again and he said denial was due to lack of income because they could n't use my husband as a source of income cause he was a non borrower on the loan. They knew this from day one and still drug it out for over 60 days. So I asked about the forbearance why I did n't qualify for that when I would be going back to work and so would my husband in XX/XX/XXXX and would be back on our feet soon. Also we 've had the FHA loan for 5 years, never fell in default or asked for any kind of help and was current on payments when i first contacted them for help. He told me he never submitted a application for a forbearance which i thought this whole time he had, and he would TRY to get the ball rolling on that. So 65 days later and 2 weeks away from 90 days behind on loan and foreclosure I 'm no further now than what i was on day 1. I feel that they are dragging this out till it 's too late for them t help me. I have XXXX XXXX children and this is the only home they 've ever know, please help me save it!
Consumer complaint received 2016-09-21
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: TD BANK US HOLDING COMPANY (LA)

This company is still reporting a account on my file after i been notified that i have been a victim of identity theft and that i have all the necessary paperwork filed and police reports to support my claim. I 'm in the process of getting a mortgage and this account is hurting me and it is being listed as bankruptcy. I also have a fraudulent bankruptcy filing that I 'm working with the courts and the government to get that issue rectified. I have been dealing with this issue for years now with all my personal information being stolen such as social security number, address, DOB, phone numbers opened under my name and bank accounts opened under my name. I request this company remove my name and social from this account immediately and mark it as fraud so if i choose to do business with this company in the future this issue wo n't stop me. I have attached my police reports and FTC fraud identity theft affidavit which has a letter from the government showing that my identity was stolen in a cyber hack also.
Consumer complaint received 2016-04-29
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NC)

we purchased our home in XXXX, due to health issues we need to sell it. We bought the home from XXXX XXXX. It was a foreclosure home. 
We have discovered XXXX undisclosed liens on the mobile home, these liens were both discharged in XX/XX/XXXX. We have received a release to lien from XXXX for the one that they had. 
However, One Main has not done anything but give me a run around. XXXX refered me to them ( letter attached ) as they have no record of the lien. I have called, faxed and emailed all the documents to Main One, and XXXX. I was able to get the social security number for the prior debtor, and Main One and XXXX tell me that they can not find any record of this. If neither of them have any records, Main One should either prove that the lien is still outstanding or provide the documents to give to the DMV ( release of lien ).
Consumer complaint received 2016-05-13
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (MD)

On XXXX/XXXX/16, Springleaf offered pre-approval for a line of credit in the amount of {$5000.00}. However, upon applying, the loan was turned into an auto loan without my consent. I declined acceptance of the loan as Springleaf mislead me regarding its product.
Consumer complaint received 2016-12-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NY)

My credit report included a collections balance that was caused by my utility company sending a bill to a wrong address and not following up on correct address. Upon learning of the collection, I had the mistake corrected with XXXX, paid the balance and requested a letter from XXXX acknowledging the mistake and the fact that the balance was erroneously sent to collection and was recalled. Since I am applying for a mortgage currently, I had submitted the letter from XXXX to the major credit agencies. XXXX of the XXXX were able to process the error in a relatively timely fashion. However, the equifax website has been unavailable / non functional for the past 45 days ( I have tried XXXX to submit the dispute and upload the letter but it keeps giving an error ). I called them today ( recorded call ) and they acknowledged receiving a notice from the collection agent in XXXX ( 3+ months ago ), but have not yet been able to amend the error. They also refused to get in touch with XXXX collection and stated that they need to passively receive a " secure feed '' from the collection agent in order to make a change. The other XXXX agencies had no such issue. I have been in touch with XXXX, they acknowledged the recall action took place weeks ago. 

As mentioned, I am applying for a mortgage and am risk of being turned down or not getting the rate or product I prefer due to Equifax 's incompetence and negligence.
Consumer complaint received 2023-05-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Auto loan with XXXX bank loan # XXXX. My auto loan payment is due on XXXX of the month. I paid XXXX and it posted correctly. They received my payment in full to pay off the loan on XX/XX/XXXX which included my XXXX payment. They are reporting my payment as 30 days late and it was not. Since XXXX only had 28 days the 30day mark would have been XX/XX/XXXX and they received the payment on XX/XX/XXXX. They are saying that since XXXX only had 28 days that it changes the time frame 28 days as a late which is not stated anywhere in my loan paperwork it says 30 days.
Consumer complaint received 2016-07-07
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH (CA)

On XXXX XXXX, 2016, I received a call from the Fraud Department for XXXX Bank XXXX notifying me of a fraudulent attempt to open a bank account in my name with my stolen personal information. After speaking with them, I immediately called XXXX Credit Reporting and froze my credit report accounts. 
On XXXX XXXX, 2016, I received written notification from XXXX, an on-line bill pay service provider in XXXX, OH, for XXXX Bank, that an on-line bill pay service account in my name had been frozen due to the fact that XXXX could not withdraw funds from " my '' XXXX Bank account in order to make payment to another financial institution. They said my on-line account had been frozen and gave me transaction details involving Firstmerit Bank in XXXX, OH. I have never done business with XXXX Bank, XXXX or Firstmerit Bank. I called XXXX and notified them of the fraudulent activity and they, in turn, told me to call Firstmerit Bank, which I did on XXXX XXXX, 2016. When I attempted to call Firstmerit Bank, they proved to be extremely uncooperative and explained that since my name was not associated with the account number provided, they could not discuss anything with me. I told the Customer Service Representative that I did not want account information but only to notify their Fraud Department of fraudulent activity associated with this account. I asked to speak to someone in their Fraud Department and the Customer Service Representative said they did not have a fraud department, which is incorrect. I asked to speak to a supervisor and when I asked that, she forwarded me to their fraud department, where I was only able to leave a voice message. They have not returned my call. 
I have filed a criminal report with the XXXX XXXX XXXX Department and the situation is currently being investigated. I wish to file a complaint against Firstmerit Bank for refusing to help resolve this situation.
Consumer complaint received 2016-04-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Advantage LNS Inc. (TX)

I went through an eviction with an apartment complex in 2014 and was told in court that the amount owed was {$2700.00} plus 5 % interest. But a few weeks after I vacated the premises I received a letter stating that I owe {$8200.00}. When questioned where did the additional {$5000.00} come from, I was told that it was for the eviction process. I asked for proof stating that I owed the additional amount and I was never given it until a full year later when I contacted the collection agency handling this case. I informed both the collection agency and the apartment complex that this amount was incorrect and being reported on my credit report. I was given a ledger which lists the debt but it was very confusing to me and the collections agency advised that they would send a dispute letter but never did.
Consumer complaint received 2016-08-05
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Nelnet, Inc. (LA)

I have a series of subsidized and unsubsidized students loans consolidated by Direct Loans, loans taken out from XXXX XXXX to XXXX XXXX, and a new a series of loans taken out XX/XX/XXXX. My entire package of loans was bought up by Nelnet, my student loan servicer. I had an accident in late XXXX XXXX, and when released from the hospital in XXXX XXXX, I called Nelnet to inform them of the status of my health, unemployment, and my university 's decision to let me go on an extended medical withdrawal ( i.e. I will not be taking any classes ), all due to the XXXX XXXX XXXX I suffered. The Nelnet agent was kind and understanding, and told me to call back in XXXX XXXX to remind them of my situation, and they would ensure that no adverse action would be taken due to my health and my university 's decision. In XXXX XXXX, I called Nelnet to remind them of the situation and to notate in the file that I would not be taking any classes per my previous agreements, and my continuing recovery from my brain injury. They told me that was n't a problem, and I was renewed for at least the next 6 months. In early XXXX XXXX, during a routine credit check, I saw that my credit score was improving due to actively working on paying my outstanding bills. Later in XXXX XXXX, I saw that my credit score had dropped by XXXX points because Nelnet had reported my student loans as not paid. Of course they were n't paid, that was the deal I had worked out with them due to not taking any classes, my XXXX XXXX XXXX, and the report from the university that I was on medical withdrawal. I was previously told twice that no adverse effects would come, and I did not receive any notice that any bills were due. I believe that this was a mistake that needs to be corrected immediately, or that this was a deliberate attempt to take advantage of someone with a XXXX XXXX XXXX. I intend to return to classes as soon as I 'm healed, which will be sometime in the next calendar year, but for now I am unemployed and on medical withdrawal due to the severity of my injuries, all with my university 's ( XXXX University XXXX XXXX ) permission.
Consumer complaint received 2015-05-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

I was charged a $ 15 monthly service fee on XXXX of my Chase checking accounts. In XXXX, I complained to the XXXX because I was being charged these same exact fees, despite the fact that Chase states they will not charge these fees if you have a balance across all your Chase accounts of at least {$25000.00}. During the same month I was charged this fee, I had a balance in XXXX of my other checking accounts of {$130000.00}, which is well over {$25000.00}. In XXXX, Chase apologised and said that they linked my accounts and I would no longer be charged a service fee. But I am now being charged the fee again. I want them to reverse the fee, to stop charging me the fees in the future, and to be reported for this illegal practice.
Consumer complaint received 2015-04-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In XX/XX/XXXX I checked my FICO score through my XXXX account, which provides this score as part of their services. I was surprised to see, after months of working on improving it, that I suddenly had a " serious delinquency '' on my credit score. I checked my credit reports on XXXX and noticed that Trans Union listed a consumer loan from XXXX XXXX XXXX XXXX that had been paid off in XX/XX/XXXX, as being 120+ days past due. I called the credit union, which told me to dispute it through the credit bureau and that they could n't do anything on their end. I disputed the information on Trans Union and when I checked my score on creditkarma.com it appeared to be resolved. This morning I checked my FICO score on XXXX and noticed it 's at XXXX, yet XXXX has it as XXXX. I thought my dispute had taken care of removing this incorrect information in XXXX. Furthermore, I checked my FICO score on XXXX in XXXX and now they too show this account from the credit union on my credit report, which is causing my score to drop more than XXXX points. I am reaching out to you because I have NEVER had an issue like this with regard to my credit report and am quite frustrated with this situation. I understand that sometimes mistakes are made, but this XXXX is getting worse and is repeating itself.
Consumer complaint received 2015-08-13
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO. (ID)

Name : XXXX XXXX XXXX XXXX : XXXXSSN : XXXXThis is in regards to a Chase Credit/Bank Account. The last payment on the account was XXXX/XXXX/2009. The account went delinquent and was charged off. XXXX XXXX XXXX, XXXX filed a Civil Suit and won a default judgement of {$1900.00}. During a debtors examination I agreed to pay {$1500.00} in XXXX installments. At this time, I told the lawyer performing the debtors exam that the statute of limitations had expired on the debt and he said, " that is neither here, nor there ... you owe the judgement that was awarded, but I will accept your {$1500.00} and that will be that ''. While on the CFPB website, I discovered that Chase Bank was not supposed to be collecting on my account - or so it seems given the time frame. Not only had the statute of limitations expired, but according to CFPB Consent Order File No. XXXX - Chase was not supposed to be collecting on this at all. Chase will not verify whether or not my account was included in this consent order, the lawyer for XXXX XXXX XXXX, XXXX did not believe me, and my own state 's attorney general 's office just told me to contact CFPB.
Consumer complaint received 2015-05-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I had filed bankruptcy. I had asked to reaffirm my vehicle and so the lender stated that they never received paperwork asking for me to reaffirm my vehicle. So I went back and forth between the lender and my attorney to resolve this matter. By my attorney 's advice I was told to dispute it with the credit bureau so they could update the account to show open and active and my payment history. So I filed a dispute with Trans-Union and so on XXXX/XXXX/2015 they received my dispute. on XXXX/XXXX/2015 they came back and stated that my dispute was complete but instead of them updating the account they removed it from my credit bureau. So I was told by several TransUnion reps that all that is needed if for the lender to contact their maintaence dept and they can updated the file. I contact the lender on XXXX/XXXX/2015 and left a message on XXXX/XXXX/15 XXXX XXXX in the credit dept at XXXX contacted me back and stated that Trans-Union 's policy is once they remove an item from your credit bureau they can not put it back. I feel this is unjust seeing that I had no clue in the beginning that the account was closed on my account and or that the lender was not made aware that I reaffirmed my vehicle. I 'm trying to rebuild my credit and my life so that I can move forward. I have had this vehicle for 2 years and have never been late on a payment. I need TransUnion to put this item back on my credit report. I 'm trying to by a house in another 18 months and so this would help me in this process.
Consumer complaint received 2016-04-12
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Consumer Portfolio Services, Inc. (TX)

I have noticed an inquiry on my credit report from Consumer Portfolio Services, CPS, I called the number provided asking them to remove the inquiry since I have never applied for a loan through them nor have I given them a permission to pull or check my credit, after few minutes of questions they assured me that it will be removed, it has been almost a year and nothing was done, I called a couple of weeks ago the same number & was told that they have no record that the inquiry was supposed to be removed but this time it will be taken care of ... .... I honestly do not trust these guys and need help with this issue. 
Thank you.
Consumer complaint received 2015-08-08
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: SYNCHRONY FINANCIAL (CA)

On XXXX XXXX 2014 - I purchased a Sofa set online at XXXX XXXX XXXX XXXX .... I used my line of credit with Synchrony Bank to pay for the order. 

I received an email from XXXX that same day. The email read : '' The manufacturer has notified us that the item XXXX s ) in your order will not be available as soon as expected. They do estimate the product will ship out from their warehouse on or around XXXX. Please note that this is an approximate date of when the items will leave the warehouse. Your order will continue to process unless you notify us of your request to cancel before your order actually ships from the warehouse. " On XXXX XXXX, which was XXXX day 's later, I wrote an email to XXXX customer service department, advising that I would like to cancel my order with them ... Even though I was in the allotted time frame to still cancel my order, XXXX did not honor my request, and they still shipped the sofa set out to me anyway. I did not accept the shipment - and they took it upon themselves to bill my Synchrony Bank Account for the shipping charges. ( Which were {$1200.00} XXXX I tried disputing the charges with Synchrony Bank - and they ended up favoring XXXX due to XXXX fine print - which contradicted what they advised me in their email communications ... 

I have kept all the emails that were sent back and forth between XXXX and myself, as well as the documentation from Synchrony refusing the dispute I filed. 

I am just appalled that XXXX company 's are getting away with this - and I do n't know what to do ... Synchrony has already put a ding on my credit report because of my refusal to pay for something that I cancelled.