davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit reporting act. XXXX  account # 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 an account without my written instruction. 
Chapter XXXX Bankruptcy XXXX XXXX Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX /Chapter XXXX XXXX XXXX XXXX XXXX /Chapter XXXX Bankruptcy XXXX XXXX Chapter XXXX Bankruptcy XXXX XXXX
Consumer complaint received 2023-04-21
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. (IL)

I am a victim of identity theft. I have filed identity theft and police reports. I have also contacted all 3 consumer reporting agencies. It is almost 90 days the accounts are still on my report, and I have not received any correspondence from the consumer reporting agencies. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of their ability with MAXIMUM accuracy. I have never opened any of these accounts. Please investigate and provide proof. If proof can't be provided I demand these accounts be removed from my credit report. Thanks.
Consumer complaint received 2023-12-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Fifth third bank wrongly denied my dispute for a charge to my account from XXXX XXXX. I ordered XXXX internet. XXXX XXXX sent me a box. Then I sold my home so I did not open the box. I called XXXX and asked if I could use the box at my new address. They said no. So they sent me a shipping label to return the un-opened box. XXXX said since I did not open the box and because they could tell that the device was never used, they would not charge me anything. I have this in writing. XXXX XXXX auto billed my Fifth Third account anyway. I disputed it. Fifth third denied my disputed based on evidence sent by XXXX XXXX that says absolutely nothing. I don't think Fifth Third even read it. Please help.
Consumer complaint received 2023-12-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY (DE)

We received a remediation check in the amount of {$200.00} and feel that we are due much more. As we were paying almost {$1300.00} per month for many years and was over charged for our property for quite some time. We were given the run around many times without resolution and several trial payments that seemed not to work. We feel like we are due much more and our credit was affected due to this causing us to file XXXX XXXX back in XXXX.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

I submitted a complaint already and attached a court order to be removed from this loan. 

I have attached a COURT ORDER that EXPLICITLY STATES XXXX is solely responsible for these student loans. 

The Complaint was closed with a letter from the company stating that I simply " did not want '' to be a co-signer on this loan. They disregarded the court order. 

COURT ORDER FOR REMOVAL IS ATTACHED. 

Please see section IV - 1 which states " Wife shall be solely responsible for her student loan debt. '' I have emailed XXXX directly on XX/XX/XXXX, XXXX, XXXX, + XX/XX/XXXX, but have not recieved a response from them pertaining to this.
Consumer complaint received 2024-04-14
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)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-12-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NH)

On my XX/XX/ statement from CareCredit I noticed a {$140.00} charge that was posted XX/XX/XXXX. I knew this was from a subscription I had signed up with while I was working for my previous employer. 

I contacted the company, XXXX, shortly after and let them know I could no longer access that account and needed help cancelling the subscription. I got a case number at the time and waited. I didn't hear back so I reached out again. I got another case number and nothing. At this point I reached out to CareCredit to dispute the charge. 

I spoke with CareCredit in the middle of XXXX, and then at the end of XXXX I saw I had been refunded the total so I assumed all had been taken care of. Then, on XX/XX/XXXX I saw that the charge was there again. 

I was hoping it was a mistake, but it wasn't. I called CareCredit again last week, XX/XX/XXXX to figure out what had happened. They said that XXXX had denied the request and that I was in fact being charged. I explained the situation again, that I can't access that account to do anything about this, and they have opened another case with XXXX.
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DE)

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 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I am currently being denied for the 8th time of my legal right to access the information within my personal credit profile, as mandated by the FAIR CREDIT REPORTING ACT. I demand the immediate release of my personal credit report. Enclosed herewith are official documents, such as copies of my driver 's license, date of birth, and social security number, which fulfill your requirements for verifying my identity.
Consumer complaint received 2023-12-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: WELLS FARGO & COMPANY (CA)

Mortgage loan with Wells Fargo ( and HELOC ) was subject to the CFPB settlement wherein Wells Fargo improperly denied loan modification 9 times, resulting in lis pendens and foreclosure action. Wells Fargo continues to claim a trial period was offered when it was not. 

Wells Fargo identified our loan XXXX XXXX XXXX ) has improperly computations in modification application ( but refuses to acknowledge they improperly denied modification request under HAMP 9 times ) and send a bogus " settlement check '' for {$200.00} on XXXX XXXX XXXX 

Wells Fargo Remediation claims this was a " customer service courtesy ''. 

Lender is well aware of our status as borrowers. In XXXX XXXX XXXX XXXX  Pick-A-Payment '' Mortgage Marketing and Sales Practices Litigation in the ninth circuit XXXX borrower filed declarations seeking relief in class action suit, and as class members were never provided any compensation in settlement entered.
Consumer complaint received 2020-10-29
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. (AZ)

My credit report shows no change other than a positive change and yet there is a 30 point drop on my report? I have investigated it on several different days to no avail. again, 30 point drop.. o change on report that they are reporting. The only way I could possibly get additional services is by paying for an upgraded service.
Consumer complaint received 2024-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (GA)

I went to my local branch on XX/XX/2023 to deposit my IRS Tax Refund Check into my account. I received an email on XX/XX/2023 at XXXX XXXX  stating that, " A review of the check ( XXXX ) deposited into your account on XX/XX/2023 indicates potential suspicious activity. For your security, some restrictions have been placed on your accounts. ". On XX/XX/2023 I called Navy Federal and got transferred to security where I talked to an agent. He stated that he just got off the phone with IRS XXXX Internal Revenue Service ) and they said that it wasn't my check and it was a fraudulent check. I called the IRS XXXX Internal Revenue Service ) gave the agent my personal information and she told me that she seen where the check had been deposited into an account and that it was my check. I also received a bank statement on XX/XX/2023 showing that the check was deposited into my account.
Consumer complaint received 2024-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-01-03
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TCN Inc (GA)

Around XX/XX/XXXX, while at work, TITLECASH NOW ( XXXX ) XXXX repossessed my ( XXXX XXXX XXXX XXXX  ) for alleged non-payment. 

Until today 's date, they had refused communication regarding payment to re-acquire property or to retrieve my personal belongings from the vehicle. 

TITLECASHNOW also ( coerced ) me into signing a ( 2nd refinance loan agreement ) at a ( higher monthly rate but shorter repayment term ) with the promise of refinancing option being avoiding the alternative of repossession of my vehicle. 

I spoke with ( XXXX XXXX. XXXX XXXX today who said she had to make arrangements for me to pick up my personal belongings and would call back tomorrow. 

She also said that to retrieve vehicle from the auction site I would have to tender ( {$1800.00} today in CASH ) and those numbers would change ( daily ) because of the auction site storage fees charged. 

She lastly warned the car could be auctioned-off this Friday. 
I believe I have been a victim of ( Predatory Lending practices ).
Consumer complaint received 2023-12-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

In the provided letter, the individual is disputing inaccurate names and addresses on their credit report. The discrepancies include names like XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. Additionally, there are listed erroneous account names and numbers ( ID # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX ). The letter cites the Fair Credit Reporting Act ( FCRA ) and specific provisions ( 15 USC 1681e ( b ), 15 USC 1681i, and 15 USC 1681c ) that mandate accuracy in consumer reports, investigation of disputes, and the inclusion of relevant creditworthiness-related information. The individual requests a thorough investigation into these inaccuracies, the removal of incorrect accounts, and the provision of an updated credit report. The letter also warns of potential legal action if the dispute is not addressed promptly.
Consumer complaint received 2023-12-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION (CA)

Was paying off an auto loan with " TRUIST BANK '' on XX/XX/XXXX, I overnighted via XXXX  XXXX a cashiers check for the payoff amount. 
I was advised the lender requires 2-3 days to process. I can not sell the vehicle, bcse the lender has not released title. its been over 10 days. Every time I call, I am told something different. every promise is broken. I was promised a letter by close of business last Friday showing the account paid in full. Today they advised this letter requires 15 days from request. IE : info changes per each call.. 

after 5 phone calls, 6-7 hrs of my time, I still dont have an answer - other than " weve sent the message to our back office '' completely unacceptable for a consumer to be treated like this. 

XXXX XXXX
Consumer complaint received 2024-01-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (CA)

Vance and Huffman LLC recently placed a collection on my account. I contacted them to find out what the debt was and why it was on my credit report. I had never heard of this company and had never received any form of communication from them. I was told by this company that they did not have to send me any information and that its a courtesy and they had legal rights to place the information on my credit report even if I was not aware of it. This company has not provided me with any information concerning any debt.
Consumer complaint received 2017-11-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CT)

Since early XXXX when I read about the Equifax security breach I have been trying to sign up for the free credit monitoring service offered by Equifax. Early attempts did not allow me to access the web site. Since that time I have called many times. Too many to recall, but now I have started to email my complaints to Equifax. Their website indicates my information was compromised, so I tried to enroll for credit protection from their promised services. I have made five attempts to date by phone, the last phone call was about 30 minutes ago to XXXX. Each time I get to the question of last four numbers of social security and date of birth, their system indicates information does not match. I called Equifax at XXXX on XXXX/XXXX/XXXX. A woman gave her name as XXXX and she laughed at me when I gave her my information. I immediately called back and requested a supervisor, a man answered and said no supervisors are available but he would take my information and someone would get back to me. No one called back. I complained by email to Equifax customer care at XXXXXXXXXXXX at XXXX on XXXX/XXXX/XXXX. Sent another email at XXXX on XXXX/XXXX/XXXX. Called again on XXXX/XXXX/XXXX and was told to wait 24 to 48 hours to reset password, Tried to log in today and was shown on screen password reset expired.Just now a man from XXXX told me he is from Equifax and XXXX XXXX and he told me I have to send a copy of my social security card and a copy of my drivers license to a yet determined address. He said they have to prove my identity first. I continue to get the run around from Equifax so I need your help to get to the bottom of this fiasco. This fiasco is my personal credit report and my ability to obtain credit.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 2024-01-02
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (OH)

Moved out of apartment early and was charged a {$2700.00} fee. My security deposit insurance covered {$2500.00}, which leaves a debt of {$270.00}. I am currently paying back the {$2500.00} to the deposit insurance. The landlord will not acknowledge receipt of the {$2500.00} that they received on my behalf. Also have made numerous attempts to contact the debt collector, including disputing the debt twice. I get no response.
Consumer complaint received 2023-11-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC (NJ)

On XX/XX/XXXX I attempted to log into my mortgage service account to make a payment. The site was down and did not respond. I called Customer Service and they could not take a payment and could not provide any additional information. Since that time I've tried every day and the system remains down. Customer Service also can not help since they need the system to record a payment, Researching on the Internet I found that on XX/XX/XXXX XXXX XXXX XXXX suffered a security breach and ransomware attack. XXXX XXXX XXXX is the parent company of my loan servicing company LoanCare. LoanCare services the mortgages of XXXX, my mortgage company. Neither XXXX nor LoanCare has contacted me regarding the incident therefore I have no further information. 

This week the company posted a message on their web site indicating that systems are down, no credit bureau reporting will be done as a result and no late fees will be charged. As of now there has been no direct communication to me. 

My concern is Identity Theft and Credit Bureau reporting in spite of what the company has posted on their web site.
Consumer complaint received 2023-12-21
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (NY)

XXXX XXXX ( comenity bank ) has me owing them {$2100.00} for purchased items i did not buy. Disputed and refused to remove. Collecting illegally. Adding to XXXX  now on top of it after i filed another dispute on XXXX  as retaliation
Consumer complaint received 2023-11-29
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. (NY)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
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
Consumer complaint received 2024-01-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SANTANDER HOLDINGS USA, INC. (NY)

I am writing today in regards to my mortgage with Santander Bank Account # XXXX I am confused by what is being reported from XXXX XXXX XX/XX/2023 It isn't showing consistent data between the bureaus. The payments seems to be allocated incorrectly and the computer system at the bank isn't matching what I get when I speak to a representative. I am requesting the following to help me try to get this straight. Payment history for the complete year of 2023. I am also requesting any communication you had with me for the year of 2023.
Consumer complaint received 2023-11-29
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. (TX)

When I reinvestigated my credit report, I see that same information was erroneous. The XXXX credit bureaus are required to validate these accounts. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable accounts listed below : DEPTEDXXXX XXXX Balance Owed : {$56000.00} DEPTEDXXXX XXXX Balance Owed : {$56000.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed XXXX {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed XXXX {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I have received official superior court document that a case was closed and balance cleared that is being reported to my XXXX and transunion credit report I have submitted this document to XXXX and Transunion numerous of times I even had the XXXX county court office speak to the credit companies telling them that the case is closed and should not be reported on his credit report but XXXX AND TRANSUNION keeps reporting the information as ACCURATE when it is not because the case is closed and refuses to remove it from my credit after I have provided substantial amount of evidence that it should not be on my credit reports and it has dropped my credit to atleast XXXX  points and is causing financial harm to me an my family