davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-12
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (TX)

Have purchased 9 Vanilla Visa gift cards in XX/XX/2023, none of the cards worked and they were locked on 1st try to use. Have called customer service to unlock the cards, but they couldn't do that, so they've sent me replacement. A few week later have received replacement. Now in XXXX have tried to activate cards received as replacement, but that couldn't be done, so I'm unable to use gift cards purchased. Don't want another replacement, would like full refund including activation fees, since purchased product can't be used
Consumer complaint received 2018-08-15
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. (AR)

I was attending XXXX XXXX XXXX when they closed in XX/XX/XXXX. I was then approved for a loan discharge in XX/XX/XXXX ( letter attached ) and it states that with a loan discharge all credit history would be deleted. I've sent multiple disputes to XXXX   and each credit bureau that's STILL reporting and they REFUSE to remove them. This is becoming frustrating because I'm trying to repair my credit and buy a house but these student loans are stopping me. I've called them multiple times and sent certified letters to them with NO HELP. They told me they will keep reporting when they are supposed to delete them as stared on the letter. Please help me.
Consumer complaint received 2024-03-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC (CA)

I was notified by XXXX on XX/XX/XXXX via email that I had a derogatory mark on my credit via Wakefield & Associates, who were collecting debt for XXXX XXXX XXXX W & A said I made an XXXX XXXX visit for {$830.00}. The original visit was supposed to have taken place in XXXX XXXX, and the date XX/XX/XXXX is also involved somehow. This is entirely a case of identity theft/fraud. Neither I nor my wife have visited the XXXX in years, nor have we incurred this approximately {$830.00} in debt. I called XXXX to dispute the issue ( XX/XX/XXXX ), I called XXXX XXXX XXXX  via phone ( XX/XX/XXXX ) but was not able to get ahold of anyone, and I called and emailed Wakefield and Associates ( XX/XX/XXXX ) to dispute the collection as well.
Consumer complaint received 2022-12-01
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. (NC)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint again to request that the listed which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2024-05-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (TX)

On XX/XX/23 I purchased two clothing items totaling {$260.00} from the business XXXX apparel by XXXX through a payment plan with Affirm. After two months of waiting for this order, I reached out to Affirm while completing the 4 payments of {$65.00} to inform them of the situation that I can not get in contact with the business and my order has not been fulfilled. Affirm informed me that they will not be able to cancel the payment plan until the merchant cancels with them or forwards the payment for the order. I made several attempts to reach out to the business via XXXX direct message and email to inquire about delivery status of the order and to communicate with Affirm regarding cancellation but could not make contact with the business until XXXXThe business informed me that their old clothing website was compromised and they are not able to resolve any disputes and that I should chargeback the order with the bank to receive my money back. I charged back all 4 payments of {$65.00} due to the inability to retrieve the mercandise or cancel the order with the company. On XX/XX/23 the merchant scheduled a phone call with the merchant owner, Affirm, and I to discuss how to resolve this dispute which resulted in no solution and Affirm requesting payment from the business or the debt will mine to resolve. Affirm originally informed me that they just needed to contact the merchant to contact them to continue cancellation of the order dispute and then resulted to saying that no solution can be made because I waited to long to create a dispute with Affirm.The merchant refused to relinquish payment for unfulfilling the order which led to Affirm charging off the order and transferring the collection to XXXX.
Consumer complaint received 2018-06-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (IL)

I had owned my home for 30 years, I refinanced to buy out my ex and to purchase a car. 
Actually I wanted a separate loan for the car and they rolled it into my loan which is totally not legal. I requested several times for them to separate the 2 and wrote to headquarters to have it done and received not one response. 
I requested a loan modification under HARP, they said I did not qualify because of my first modification. I was paying 8.9 % up to 10.5 % in the end, when the loans were being financed at 3 %. I called my finance person locally and the corporate office and no one would work with me. 
In XX/XX/XXXX I lost my job and attempted to work something out with them and they would not work with me. I got a job in XX/XX/XXXXand applied for a modification, turned in all the paperwork and never got a response. I lost that job and requested a buy out and they agreed to XXXX, I told them all I had was XXXX and I could send them that the same day if they agreed, they refused. I then said I would have to sell my home and was told it was to late, they had started the foreclosure process. I asked how they could accept XXXX and not let me sell my home and they just kept saying I could not sell my home. 
I now have a foreclosure on my credit and this affects me when I try to rent a home or get a jobs. I lost 2 jobs because of the foreclosure, one with XXXX. If I have to be accountable, so do they. 
Obviously there was much more conversation, but the car loan being rolled into my current mortgage was very costly and not requested. My modification was never processed or I am not sure what happened. When ever I asked citi to do something I never got a response or the answer never was to my advantage.
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves. CAPITAL ONE XXXX.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WV)

I've tried to resolve this issue for 18 years they continue to deny me my right to my credit report even after complaint number XXXX due the fact I have sent Multiple copies of my ID and Social Security card notarized for years now. they still play the game send us a copy of your Social Security number. Tired of the games now I'm looking at an {$18.00} XXXX law suit. because that's what the lady in Oregon got, and they only played these games with her for XXXX yrs. Like oh yeah somebody else trying to obtain another persons credit report by going to the CFPB saying that they're me so that they can get a copy of my credit report XXXX They're just not going to stop playing games with my livelihood Which is causing me detriment in my professional and personal life. I guess my only other option is Federal Court! Because they haven't even tried to contact me. Other than the give us your ID game again. And as far as you CFPB, where's the protections here? Did someone pay you off too? These games with my livelihood are ridiculous, what if it was you? Can't give a job can't get a car to go get a job because you don't have a job because of the way they have your credit report set up making you look fraudulent. Yeah the punitive damages are above and beyond extremely high at this point. 

XXXX XXXX XX/XX/year>
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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 XXXX, XXXX, and Equifax to reinvestigate these accounts : Bank XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, and 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 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2024-04-18
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: EQUIFAX, INC. (NY)

I'm feeling incredibly overwhelmed and deeply disheartened by these circumstances that have negatively impacted my mental and emotional well-being, and have even caused distress for my family! Please, prioritize the removal of these accounts as soon as possible!
Consumer complaint received 2018-05-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (FL)

After Hurricane Irma, in XXXX of XXXX, I called Nationstar which later became Mr. Cooper : XXXX Attn : Customer Relations XXXX XXXX XXXX XXXX, TX XXXX Loan # XXXX I was told about their forbearance program and they agreed to put me on the program and any missed payments would not be reported to the credit bureaus. I missed payment for the month of XXXX and XXXX and in XXXX of XXXX, I made both payments and was caught up. They reported it to the bureaus and when I called to dispute it earlier this month I asked for a case dispute to be opened ( it was not, I was ignored ). I called to check the status 3 weeks ago and had to open another from scratch. They said I never showed up on their forbearance program. I am now trying to refinance because of a divorce agreement and am on a tight deadline. The port of 60 days is not allowing me to refinance and will lose the Condo because I can not come up with the money. Selling is not an option. Please help me as i am desperate and the lender does not acknowledge they mislead me into believing my credit would not be harmed. I have never in all the years I have owned have I been late on a payment. Thank you very much
Consumer complaint received 2023-07-05
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: EQUIFAX, INC. (GA)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2024-07-08
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: BANK OZK (FL)

I opened a CD account with Bank OZK on XXXX XX/XX/XXXX in the amount of {$40000.00}. 
Bank OZK transferred the funds from my checking account at XXXX XXXX. 
Bank OZK opened the XXXX account, but the money disappeared within 2-days. As of today ( XX/XX/XXXX ) they keep telling me not to worry, the money will show up after a 30-day hold. The hold ended two weeks ago, and the money is missing, no help from Bank OZK customer service. 
Not sure if it's embezzlement or bank incompetency.
Consumer complaint received 2024-04-19
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. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2018-08-15
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. (NC)

After pulling my Transunion credit report several months ago i noticed XXXX XXXX XXXX has listed a collection/charge-off account on my Transunion report. I have tried to resolve this issue several times. 

XXXX XXXX account does not belong to me. I have contacted XXXX XXXX XXXX  and Transunion several times about this account not belonging to me and Transunion response that the account has been verified as accurate and today when I check my report the status has updated as Paid after Charge-off. 

I never paid XXXX XXXX XXXX  this is false inaccurate reporting, this account does not belong to me and it is a clear violation of Federal Reporting laws. 

Under the FCRA Creditor must provide complete and accurate information to the credit bureaus. Creditor must correct inaccurate or incomplete information in your report. 

An information furnisher must provide complete and accurate information to the credit bureaus. 

furnisher must correct any error, or explain why the credit report is correct within 30 days of receipt of notice of a dispute, which time has passed. 

The information furnisher must correct inaccurate or incomplete information in your report. 

The information furnisher must notify all credit bureaus where they sent incorrect information of any error XXXX XXXX continues to violate protected rights.
Consumer complaint received 2024-06-02
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. (SC)

I applied for a line of credit through XXXX on XXXX XXXX. I was told by the merchant I applied through that the application was just an application and not me agreeing to the service and that the amount I applied for was not the amount being charged but the max amount that I could receive for any services agreed to. I was notified by XXXX by email on XXXX XXXX that they paid out to the merchant. I informed them not to pay out as the work had not been completed and an amount had not been agreed on. XXXX informed me that there was nothing they could do and that they paid out to the merchant because I had authorized payment with them through a signed invoice that they received from the company in an amount totaling {$19.00}, XXXX. I informed XXXX several different times that I did not sign an invoice and I have been requesting a copy of said paperwork from XXXX since XX/XX/XXXX. After contacting XXXX XXXXXXXX XXXX XXXX I received a emailed copy of the paperwork from XXXX that was used to authorize payment to the merchant. I again notified XXXX that I hadnt signed anything and that the invoice and paperwork they provided did not contain my name on any of the paperwork. They informed me that the could not and would not do anything about it. XXXX is directly violating the consent order entered in on XX/XX/XXXX which states in paragraph 74 section v Respondent and its officers, agents, servants, employees, and attomeys who have actual notice of this Consent Order, whether acting directly or indirectly, in connection with loan application, verification, activation, and transaction procedures, must take the following affirmative actions : v. Obtaining and retaining evidence of consumers ' approval of transactions before Respondent may disburse loan proceeds to a Merchant.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IN)

My wife and I reviewed our credit reports and noticed we have XXXX XXXX listed on our reports. We have sent letters to the bureaus requesting info on who reported them to the bureaus. We specifically asked for METHOD OF VALIDATION. According to the FCRA, each bureau has XXXX business days to respond to a request for method of validation for a bankruptcy. We have TWICE requested this information within XXXX months from the bureaus, and none of them have responded with this information. The bureaus have not demonstrated that they have properly validated the XXXX information reported.
Consumer complaint received 2024-05-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (NY)

STILL NO ANSWER!! Amazon Synchrony has no fraud protection in place. This virtual card was used without my consent and I was not informed for months until they sent a paper statement. They removed one bad charge but refused to remove the other. For 2 years they continue to add fees and interest onto this frauduent charge. The issue is, they let a virtual card be used without a 2 step authentication, and without having a user input a 3 digit security code that would be on the back of a credit card. I have been asking for over a month via email ( to " OfficeofthePresident ( Synchrony Financial ) '' XXXX, and XXXX, ) To give me a reply on at what point does their company do a " charge off ''? Their customer service department mentioned this to me but did not have the answer. I want to know when they will Charge Off the balance they made on my account? And also, when can I expect this to be fixed? 

Once again, I want to know when they will Charge Off the balance they made on my account? And also, when can I expect this to be fixed?
Consumer complaint received 2024-05-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (PA)

I made a final payment of XXXX on XXXX which closed the account to zero balance. I also went through the process with Synchrony Bank ( who did financial oversight of the accounts ) and acknowledged that the Paypal accounts ( credit and wallet ) were closed. 
Months later, around XXXX of this year, I received notice that charge of XXXX had to be paid. I called their debt and fraud units @ Synchrony and they agreed that my account was closed and that they would take care of the matter. The notices to owe the XXXX came back via mail and continued until recently. They amount that they said I wed with PayPal/Synchrony Bank was now changed to XXXX. I called them today and didn't have any cooperation from them about the source of the owed amount. Furthermore, I checked my credit score and noticed that it dropped noticeably due to negative information from an unnamed sourced ( it had to be Synchrony Bank ) I pay all credit card accounts well in the time that payments are due. My record is stellar in that regard!
Consumer complaint received 2024-07-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: JPMORGAN CHASE & CO. (MO)

My deceased husband had mortgage with ex wife. loan was both their names. She done quit deed on the property and doesnt want it. I have paid the mortgage since XXXX  ( almost ( {$50000.00} ) Chase refuses to talk to me and I want to finish the payments. They wont take money from the principal and just add more months prepaid. I need to finish this as I am XXXX and dont need the stress.loan is with Chase acc # XXXX. I should now only be owing {$32.00}