davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-09
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: EQUIFAX, INC. (WI)

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. 
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX 
However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect.

According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case Public Law 73-10 states all debts public and private are obligations of the government. 
In addition " And because you have my social security number, what is legally taking place is a trust action- with me as the beneficiary and with XXXX as the trustee. As the trustee, you are the authorized representative of XXXX that has the fiduciary obligation to act in a way that will benefit me, the beneficiary. However, your company is in violation of trust laws as your corporation is accepting my electronic funds transfers personal checks as payment while also redeeming the coupon which is receiving double the payment for the same obligation and that is a crime. This is malfeasance, a violation of trust law and may be reportable under the Sarbanes Oxley.I am indeed without a doubt the beneficiary of the social security XXXX XXXX XXXX XXXX XXXX XXXX XXXX and you the corporations and agencies involved are the trustee with a fiduciary responsibility/obligation to do whats best for me the beneficiary.The are also in violation of the FCRA and the FDCPA as well as other Uniform Commercial Codes.They also verified accounts and closed my previous disputes without a reasonable explanation.
Consumer complaint received 2019-08-07
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (CA)

I told them to stop calling me today, XX/XX/2019, over the phone. I have been getting frequent calls before XXXX, as well as throughout the day. They don't even check the account statement, they just go through a list of clients, harassing them to pay the minimum ( I paid of a significant portion of this a week prior to the call ). On top of that, they frequently use robodialing ( I get calls from them but nobody responds when I answer, just a silent call. When I call back it's their number )
Consumer complaint received 2019-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX, Equifax received my claim, which disregarded and didnt act to remove the accounts from my credit report. These accounts are invalid items which do not belong to me. This is a violation of the California Credit Reporting Act and the FCRA. Please help me to remove this wrong information of my credit report. 

The accounts that are being incorrectly reported are the following : 1 ) XXXX XXXX, account # : XXXX, date open : XX/XX/XXXX, date closed : XX/XX/XXXX, balance : {$2200.00}, status : Charged Off. Incorrect last activity date. Incorrect high balance 2 )  XXXX XXXX XXXX account # : XXXX date open : XX/XX/XXXX, Date Closed : XX/XX/XXXX, balance : {$5200.00}, status : charged off. Incorrect last activity date. incorrect high balance. 

3 ) XXXX XXXX XXXX # XXXX, Date Opened : XX/XX/XXXX, Date Closed : XX/XX/XXXX, balance : {$11000.00}, status : charged off. Incorrect last activity date. incorrect high balance.
Consumer complaint received 2019-08-09
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc. (TX)

I have applied to Comenity Bank for the Victoria Secrets  card. Each time I apply they run my credit and hit me with a hard inquiry. At such time they claim I have a freeze. I do not have a freeze or any block on my reports. Each letter I have received in the past has a different excuse and when I call they tell me something different that contradicts the letter. On the last application in XXXX they have never sent to me any correspondence for this application. But when I call they claim I have a freeze. Once again I have no freeze. 

I am XXXX XXXX and was born in XXXX and was born XXXX. I have asked them several times do you have a problem with my background? They won't answer. 

Each manager I get transferred to won't help me, they listen to me and them tell me to re-apply ion 30 days. 

This is such harassment and is causing me additional time with the credit reporting agencies to validate my reports with them. 

Enclosed is proof they got my XXXX Report but they claim in the letter they sent to me that they could not get the report, copy enclosed too.
Consumer complaint received 2019-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (MO)

Credit card company converted my account billing from USPS mail to paperless without my knowledge nor consent. 

My credit card statement was mailed to my USPS mailbox in early XX/XX/XXXX. But, no statement was received in early XX/XX/XXXX, I contacted the CC company to ask about my bill. The customer service rep said that I was enrolled in paperless billing. 

I never signed up for paperless billing. I was never asked if I wanted paperless billing. CC company flipped me to paperless billing. 

This practice puts consumers at financial risk. If they wait for the bill to come, but it doesn't because the CC company flipped them to paperless without their knowledge, they are likely to pay bills late and incur penalties and interest charges.
Consumer complaint received 2019-08-09
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: ALLY FINANCIAL INC. (IN)

XX/XX/2019 I was denied credit by Ally Bank due to XXXX , XXXX credit reporting. 
However, I did purchase the vehicle finance by another Bank. XXXX , XXXX is not a legitimate Credit Reporting Company and should be prevented from access to personal financial information.
Consumer complaint received 2019-08-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (TX)

When living in the apartment of XXXX XXXX at XXXX XXXX back in XXXX I had a balance owed of {$270.00}. This amount was paid in full as of XX/XX/XXXX, I was provided a proof of payment letter and submitted to all three credit bureaus. Unfortunately the only credit bureau that removed it was XXXX XXXX. 

Can you PLEASE assist me with helping dispute this item on my credit with Equifax and XXXX. They should have deleted this item Just like XXXX but they are giving me an extremely hard time- My credit along with finding a place to stay is suffering from this.. That you so much.. 

Info you may need pertaining to bill ; XXXX XXXX a XXXX XXXX XXXX   Agency name paid in full to : XXXX XXXX. 
Sub # XXXX Date Assigned XX/XX/XXXX
Consumer complaint received 2017-10-23
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: LEXISNEXIS (IN)

Lexis Nexis has sent me XXXX or XXXX Credit Reports with my XXXX XXXX name and information. The more I complain, the more he is reported as myself and the less my actual name appears. I move the dispute to to XXXX Level. The FIX is to punish me, change my name to his while listing reports in his name belonging to his Credit.
Consumer complaint received 2019-08-09
Product: Credit reporting, credit repair services, 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. (UT)

I received a notification from XXXX XXXX about 2 hard inquiries from the same company within the last two days ( today 's date XX/XX/19 ) on XX/XX/19 and XX/XX/19. I spoke to TransUnion about the inquiry and was told to talk to the Lender that pulled the inquiry, they gave me the number for XXXX XXXX to ask them to provide TransUnion with the removal of inquiry. 

XXXX XXXX  claims that they did not do an inquiry, with the last inquiry being when I opened an account through their XXXX XXXX credit card application. I informed them that they appeared on my report, but they denied having done any inquiries for me and to reach out to TransUnion again. 

I called TransUnion again, and was told that the only way to remove the inquiry was to go to XXXX XXXX, therefore going back in a complete circle. No one is taking responsibility with something that is my sensitive information. On the report the wrong address was provided for the inquiry.
Consumer complaint received 2019-08-12
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 — Was not notified of investigation status or results
Company: Mr. Cooper Group Inc. (PA)

Had a home in another state while in XXXX, took care of it when got XXXX ( sold it XXXX however Mr Cooper turned me in as bad credit while in the process of selling! They added charges and what ever he could because they knew it was being paid off!!!! 
On the statements it said I had 6 % interest, when got payoff, said I had 6.875 %? don't know why it changed!!!!!!!!!!
Consumer complaint received 2019-08-08
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: SYNCHRONY FINANCIAL (FL)

CONTACTED THE COMPANY LONG TIME AGO TO SOLVE THE ISSUE, NO RESULTS. 
I WAS GOING THROUGH A HARDSHIP BETWEEN XXXX AND XXXX NO JOB. I NEED THOSE LATE PAYMENTS FOR THOSE 2 YEARS BE REMOVED.
Consumer complaint received 2019-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY (MI)

My Platinum American Express Delta SkyMiles with an annual fee of {$190.00} has few flaws that are outstanding! Recently I made a purchase of two plane tickets on XX/XX/2019 with Delta and used my AMEX Delta as I always do to pay. Got my confirmation and receipt and everything looked good. Days later I noticed the charge on my card is double what it should have been and 4 tickets were issued for same passengers and same rout and same time! Here comes the first short coming with this card, means of contact if you have a problem is : call, chat, write a physical letter. No email option is given, which means I was glued to my computer to live chat with someone about this problem of double charged and It took me more than 3 hours and was an  exhausting process since they tried first to convince me " may be it is  the Tax ''! My chat should be in their document but when I asked to send me a copy of our chat they refused. I am in shock how a platinum {$190.00} fee card, failed to protect me and notify me with a fraud alert of such an apparent mistake. Who buys 4 seats for 2 people for same flight? This means I had no protection. my other cards however, have a fraud alert even when I pump gas in other states they stop working until I reassure them it is me. And no this is not a feature that I turned on it came with my other card for free. Amex never explained what went wrong but the dispute was resolved 25 days after. What I need from them is : 1-Have email communication available for customers so people wont be glued to phone or computer for a long time 2-explain why they failed to detect the overcharge when so clear and notify me and on top of that when I complained their untrained employee tried to make the over charge legitimate by writing back to me " may be it is Tax '' and I decided to lay out the math of charges for her. 3- I deserve the annual fee for this year to be credited to my account due to lack of their services. They have already billed me for this year few days ago.
Consumer complaint received 2017-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY (FL)

Contacted representatives of the company via telephone and emails several times in XX/XX/XXXX and XX/XX/XXXX because of the financial hardship I am experiencing from Hurricane Irma.  However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XX/XX/XXXX on my credit card accounts. Received a letter from XXXX indicating that Wells Fargo is responsible.
Consumer complaint received 2019-08-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

Hello, -- I am very upset with Navient not honoring what was stated in a notification letter to me dated XX/XX/XXXX. 

-- The letter stated : " XXXX, your loans listed below are now successfully enrolled in our Auto Pay program. 
The payment amount of {$0.00} will be automatically extracted from your designated bank account on the same day of each month. Your first withdrawal will be XX/XX/XXXX. 

Loan Information LOAN DATE ORIGINAL LOAN AMOUNT OUTSTANDING PRINCIPAL INTEREST RATE LOAN PROGRAM XX/XX/XXXX {$33000.00} {$31000.00} XXXX XXXX  XX/XX/XXXX {$33000.00} {$38000.00} XXXX XXXX XX/XX/XXXX {$33000.00} {$36000.00} XXXX XXXX   XX/XX/XXXX {$33000.00} {$35000.00} XXXX XXXX '' -- Since I received this confirmation in a letter from Navient, I believed that my loans would be at those interest rates stated in the letter. For some reason, only my 1st loan 's interest rate matched with what was stated in the letter, and the other 3 loans did not get enrolled into Autopay with new interest rate as the letter stated. 

-- I have been compounding interest on my other 3 loans at incorrect interest rates from XX/XX/XXXX  until now. They have been compounding at 5.84 %, 5.31 %, 6 %., instead of what was stated in Navient 's confirmation letter. 

-- Even though I received confirmation of Autopay enrollment for ALL my loans in XX/XX/XXXX, they weren't aren't all enrolled into Autopay until XX/XX/XXXX because I had to submit the request again on XX/XX/XXXX. 

-- I want Navient to correct the amount of interest I have accrued from XX/XX/XXXX until now to reflect the interest rates that should have been implemented as per that confirmation letter. I should not be held responsible to pay for a mistake in the system that was on Navient 's part. 

-- I first emailed Navient to ask about the discrepancy and the response I received was only stating the current status of my loans and interest rate - which I was well aware of. There was no explanation as to why I needed to re-submit autopay enrollment request for the other 3 loans when I already did back in XX/XX/XXXX and received confirmation that they were all enrolled with new reduced interest rates. 

-- I called and spoke to Navient customer service representative XXXX XX/XX/XXXX XXXX and he said he could not figure out why only 1 of my loans were enrolled into Autopay when I had received confirmation for all 4. He could not find any notices of cancellation or dis-enrollment, but he assured me that my loans are all enrolled in Autopay at this moment. When I asked if there was any way to retroactively correct my loan interest rates from XX/XX/XXXX until now, he said there was nothing that could be done.
Consumer complaint received 2019-08-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$500.00} does not belong to me. This account was fraudulently opened with this company in XX/XX/2018an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2019-08-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: XOOM CORPORATION (CA)

XOOM money transfer Transaction XXXX was initiated buy me on XX/XX/2019 XXXX XXXX to send to money to my brother-in-law in XXXX for US {$1500.00}, they deducted money from my bank they are neither refunding my money nor they are sending money to my brother-in-law. I called them every day for more than 25 calls, send the proof of my brother-in-laws bank transaction. They say they are going to refund my money and send a email confirmation and they are never doing it from past 3 weeks. 

Please take action as soon as possible, This XOOM company is fraud, Please cancel there license and do justice to me and all customers who are going through this Fraud company.
Consumer complaint received 2019-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

I spent considerable time on the telephone and going through several " escalation '' personnel to try to resolve the issue with Bank of America. This involves an account that was closed at my request and regular payments were debited from my checking account until the balance was paid in full. When the debiting stopped, I assumed the debt was paid. Three years later I received a 1099-C from Bank of America indicating a cancellation of debt in the amount of {$890.00}, which was supposedly the remaining unpaid balance. Bank of America would not let me pay this amount when I offered, saying that it was already written off of its books. I received a tax bill from the IRS for the {$890.00} increased income, resulting in additional taxes of almost {$300.00}, which I paid. This appears on my credit report and will come off in XX/XX/XXXX.  However, Bank of America has decided to " update '' the account and is now reporting {$890.00} past due every month, resulting in a monthly decrease in my credit score. This {$890.00} debt does not exist. It was written off by Bank of America in XX/XX/XXXX, it was charged as income to me and reported to the IRS, I paid income taxes on it, and Bank of America took a tax deduction for a bad debt. They can't come back in XX/XX/XXXX and report the amount as still past due.
Consumer complaint received 2017-12-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX XXXX XXXX is reporting to Transunion that I am the authorized user on 2 credit card accounts, erroneously. I have spoken to a bank manager at XXXX and they confirmed the social security number for the correct authorized user is different from mine. I have tried with both TU and XXXX to get them removed to no avail ... ... ...
Consumer complaint received 2019-08-09
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: Home Point Financial Corporation (CA)

I am a veteran and currently have a VA loan with Homepoint Financial. On or about XX/XX/2019, I attempted to make a mortgage payment in the amount of {$2600.00}, using their website. My payment came back as returned. I was immediately notified on XX/XX/2019. 
As a result, I made another payment in the same amount on XX/XX/2019, in efforts to avoid any " 30 Day '' lates on my credit report. My payment was successful and posted on XX/XX/2019. 
I sent several emails to Homepoint Financial explaining the problem but they have ignored me thus far. Additionally, all three credit reporting agencies are now reporting that I was " 30 Days '' late for the month of XX/XX/2019, when my payment for XX/XX/XXXX has a 14 day grace period ( it has only been 9 days ), before considered two weeks  late. 

I have called several times and spoke to atleast two reps asking them to remove the negative remarks from my credit report. Thus far they have ignored my request. 

Notice from all of my attachments I made my mortgage payment on XX/XX/2019. Also look at page 3 of 4 POPA Bank statement in the amount of {$2600.00}, my payment cleared.
Consumer complaint received 2019-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Credit Karma (MI)

I just turned XXXX so I wanted to sign up for Credit Karma for a credit report. It told me my personal information was wrong even though everything was right. So then I tried XXXX and even the free annual credit report and all say my personal information is wrong. I don't know what's wrong or how to fix it.