davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-25
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: SYNCHRONY FINANCIAL (OH)

I reviewed my credit report on XX/XX/XXXX after purchasing a new car on XX/XX/XXXX and XXXX has this XXXX XXXX XXXX XXXX XXXX XXXX inquiry on my report with a XX/XX/XXXX date. I called the number listed on the report and spoke with a customer service person who wanted my SSN #. I provided this information, reluctantly, and they were unable to verify my information. And told me they would have to submit my information to their Fraud Unit. I have sent them a number of letters requesting information on who, how and where this request for a credit card was generated. To date I have not been able to resolve this issue. I did put a block on my credit as a result. However, I want this inquiry removed and I have written to XXXX requesting the same. In XXXX, my grandson received the same letter I received from Synchrony/SAM 's XXXX and XXXX denying him a credit card for which he did not apply for. He is listed as a SAM 's Club cardholder on my account which does not involve a credit card, just the membership card. 
The coding on my credit report for SynCB/Sam XXXX XXXX XXXX ; XXXX ( XXXX & XXXX ) and they do list a phone #. To date, this inquiry has not been removed from my credit report and it does effect my credit score now and will for the next two years.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY ()

I bought a house in XXXX XXXX with my husband in XXXX for XXXX and we put down a deposit of approximately XXXX. 

We fell behind on some payments in XXXX and Wells Fargo started the foreclosure process. I begged and pleaded to try and sort something out as we were suffering financial hardship however Wells Fargo simply did not care. We felt forced to accept a short sale of XXXX despite the house having been appraised at XXXX in XXXX. 

We initially used a lender from California who quickly sold the mortgage to Wells Fargo. 

We literally lost everything and never financially recovered. We were abused by the bank and the so called XXXX XXXX.
Consumer complaint received 2024-08-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (PA)

CREDENCE RESOURCE MANAGEMENT XXXX XXXX XXXX placed this negative item on my credit reports without notifying me. This is an violation of the early-warning notice clause of FACTA act Section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit reports. I never receive written notification of this alleged debt at my address oXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to formally request the immediate removal of inaccurate addresses from my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Please find enclosed a copy of the Federal Trade Commission ( FTC ) Identity Theft Report, which I have submitted, as well as supporting documentation, including a recent utility bill that verifies my current and correct address. 

I do not recognize nor have I ever been associated with the following addresses currently listed on my credit report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The Only address that should be reported is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act XXXX it is your responsibility to ensure that all information reported on my credit file is accurate and verifiable. These addresses are incorrect, and I do not wish for them to remain on my credit profile, as they are damaging and misleading. 

In addition, under the Uniform Commercial Code ( UCC ) and the Truth in Lending Act ( TILA ), I have the right to fair and accurate reporting of my personal information. I request that your bureau remove these erroneous addresses from my credit report to prevent further potential damage.
Consumer complaint received 2023-10-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC. (NV)

I had a previous complaint about the amount of my taxes and insurance. That being said- I allege that this company received funds from XXXX XXXX for my XXXX forbearance loan repayment. HAF paid in excess of the amount owed for my taxes and insurance, because the lender was charging almost {$200.00} additional dollars per month. There was a significant overage paid by XXXX XXXXXXXX for my escrow account. 
The person most recently spoken to at XXXX XXXX explains things as lets imagine you actually owed what you were paying in escrow. Then the numbers would be correct. However, we do not pay in what could have been. In reality my taxes and insurance were collected in far excess of what I owed. It appears a large amount of attorney fees and other fees were charged which not one person mentioned in any conversation. 
The accounting of my taxes and escrow from XX/XX/XXXX is incorrect. There should be a surplus.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

I recently discovered that my identity has been stolen, as evidenced by a fraudulent XXXX  XXXX XXXX checking account that was opened in my name. This revelation came to light when my application for a bank account was denied earlier this year. Upon reviewing my Chexsystems disclosure report, I was alarmed to find a remark indicating suspicious activity associated with a XXXX  XXXX XXXX account that I never authorized or opened. I am deeply frustrated and disheartened by the unfairness of this situation. It is unjust that I, as the victim of identity theft, am now burdened with the consequences of someone else 's criminal actions. This fraudulent activity has not only infringed upon my financial well-being, but it has also impeded my ability to open a legitimate bank account. I am reaching out in the hopes of finding a resolution to this matter. I kindly request that the fraudulent XXXX  XXXX XXXX account be immediately removed from my Chexsystems report, as it is inaccurately tarnishing my reputation and preventing me from accessing essential banking services. I appreciate your attention to this pressing issue and trust that you will take the necessary steps to rectify this situation promptly.
Consumer complaint received 2024-08-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-21
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (MA)

Citi credit cards advertise for a promotional program called " Merchant Offer ''. By registering with a " Merchant Offer '', when customer uses the Citi credit card to make purchases at the specified merchant, Citi commits to issue a statement credit for the Merchant Offer. 

On XX/XX/year>, I registered for a Merchant Offer at Citi for XXXX merchant, which offers 8 % cash back for 2 redemptions, this offers expiration date was XX/XX/year>. 
On XX/XX/year>, I used my Citi credit card for 2 purchases at XXXX merchant. The amounts for the purchases were {$440.00} and {$440.00}. With the 8 % merchant offer, the expected credit would be {$35.00} and {$35.00}, totaling {$71.00}. 

On XX/XX/year>, I registered for a new Merchant Offer at Citi or XXXX merchant, which offers 4 % cash back for 2 redemptions, this offers expiration date is XX/XX/year>. 
On XX/XX/year>, I made a purchase using Citi credit card XXXX merchant for an amount of {$390.00}. The expected credit here is {$15.00}. 

In total, with my registered " Merchant Offers '' at Citi, Citi should have issued statement credit of {$87.00} to my account. 
However, up until today XX/XX/year>, Citi has not issued any statement credit for the two Merchant Offers yet.

I have contacted Citi customer service last month, they have given me a reference number of XXXX, and promised to get back with investigation results. But there is no response.
Consumer complaint received 2023-10-11
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Capio Partners, LLC (MA)

Back in XXXX, Capio first contacted me saying I had a debt XXXX sent to collection. I called XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) and they said all my bills were paid and there was no record of them every sending me to collections. I then blocked the phone calls from Capio Debt Collectors. They then tried to recontact me today, XX/XX/2023 at XXXX and XXXX XXXX with back-to-back phone calls. When I asked what it was in regards to he kept saying " a business matter '' and trying to make me state personal information before giving any more information. I know I have no outstanding debt with XXXX and they can confirm this. 

I keep blocking their numbers and they keep finding me to try to pay this " debt '' that does not exist. The number I provided was the most recent number to reach out to me.XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) said Capio is not one of the debt collectors they use and they shouldn't know my information.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIZENS FINANCIAL GROUP, INC. (SC)

XXXX is reporting an auto loan I paid off in XX/XX/XXXX as being over 60 days delinquent in XX/XX/XXXX. Originally, it was reporting as being delinquent in XX/XX/XXXX. I disputed it and XXXX changed it to XX/XX/XXXX which is an error, but the statute of limitations would remove it. 

However, today the loan is being reported as being 60 days delinquent 12 months after the loan was paid off.
Consumer complaint received 2023-10-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ratchford Law Group, P.C. (MA)

On XX/XX/2019 I began noticing fraudulent activity on my XXXX XXXX account ending in XXXX. The fraudulent activity was from XXXX XXXX  ending in XXXX, that had been added to my account without my authorization or consent. I called and tried to resolve the issue but they would not take the fraudulent purchases off my account. 

Recently, I received a court summons by a debt collection agency called " Ratchford Law Group, '' for the fraudulent debt that was caused by identity theft.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (IL)

Wells Fargo has been stealing from my account for months probably years. They are moving previous transactions and stealing hundreds of dollars at at time. I can not pin point the exact amounts because of the way they are moving charges around. I am tired of them stealing my hard earned money. I have tried to resolve this issue with them to no avail. This is my last course of action.
Consumer complaint received 2023-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (MN)

I have waited on hold to speak to representatives for more than 2 hours every time I call in. Today, my call was disconnected after 2 hours and no one ever answered. To date, not a single representative has been reached via the phone system and no one has responded to my emails. The debt has not been validated. No one will provide updates on my application or explain how my monthly payment potentially doubled from the pre-pandemic payment amount. No one has verified what the monthly payment will now be. My wife was forced to use forbearance on her student loans as a result of this negligence ; I will not be using forbearance due to a new servicers failure to communicate or follow applicable loan servicer laws.
Consumer complaint received 2023-10-26
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am formally complaining against CAPITAL ONE AUTO FINANCE I for a number of consumer laws that they are in violation of. 15USC1681 ( A ) ( 2 ) dealing with exclusions and how I never gave them the right to report any of my transactions to any 3rd party ( XXXX, XXXX and XXXX ) along with 15USC6801 and 15 USC6802 ( A ) ( B ) ( C ). 

I have contacted CAPITAL ONE AUTO FINANCE who has been totally non compliant through this entire process and has been adamant about breaking consumer laws. I asked the CFPB to step in and make sure that CAPITAL ONE AUTO FINANCE stand by and address the issues that I noted in consumer law and not to continue to disregard the rights of consumers. 

Thank You XXXX XXXX
Consumer complaint received 2020-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Equifax is reporting the following items inaccurately. Can someone please look into this? Thank You Accounts XXXX XXXX  XXXX  XXXX never late XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX not mine INQUIRIES XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized EQUIFAX XXXX XXXX  XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized
Consumer complaint received 2023-10-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (FL)

I am writing to formally file a complaint regarding an unverified credit collection entry with account number XXXX that has been posted on my credit report. The presence of this unverified entry is causing significant harm to my credit score and my overall financial standing.
Consumer complaint received 2023-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Saturn Systems, Inc (NC)

Despite multiple notifications to XXXX regarding the constant reporting of an incorrect amount owed by SATURN SYSTEMS - XXXX, the issue persists. I have repeatedly informed XXXX that I have never made direct payments to SATURN SYSTEMS. Instead, I make payments to the original creditor, XXXX XXXX, for which I owe only {$300.00}. Any medical debt under {$500.00} should be promptly removed from my credit report. Please refer to the attached recent bill from XXXX, which clearly indicates a balance of {$300.00}. 

Failing to rectify this account after being informed of its inaccuracy would be a violation of my rights under the FCRA. Enclosed, you will find copies of the bill showing a {$300.00} balance owed. 

I'm also attaching proof that XXXX is allowing the reporting of the balance owed to constantly be increased and decreased. It is now increased to showing over {$600.00}.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Stellantis Financial Services US Corp. (GA)

these items in my credit file are from unauthorized use of my social security number card and number. I did not authorize these accounts to be taken out in my name nor do they they relate to anything i do or applied for. I'm completely unaware of any of this. You assumed a vital role and your job is to report every account and inquiry with maximum accuracy. These accounts are from identity theft and are not accurate. They do not belong on my credit file/report.