davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-16
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. (FL)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the Sumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEN port anything on my consumer report which violates my rights as a federal prot umer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletions listed IMMEDIATELY!
Consumer complaint received 2017-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MD)

In  XXXX  of   XXXX  , I became separated from my wife. She returned to the household without permission in  XXXX  and my daughter and I moved out in  XXXX . I had to change account information in order to protect myself from her paying off her credit cards on her own account. So used checking account to pay off Mortgage Payment in  XXXX  and  XXXX . The letters were sent out and postmarked before the end of the month, but  XXXX  marked them as 30 days late because their processing was a few days after the end of the month.      XXXX  has processed loans later than the beginning of the month but has never reported me as late. They have responded with form letters and sent me a list of dates when my loans were processed which included payments posted after 30 days which they received within the 30 day window. I have requested info but so far I can only access the last 12 months. I have request the date received on these payments and they can not supply them. They do n't know when they got these checks so how can they penalize me and ruin my credit arbitrarily.     I have included the  XXXX  payment that was accepted on the  XXXX  and not marked late. I have included my letter to  XXXX .   When I did an adjustment to my mortgage they told me that they could n't consider it until I was at least 60 days behind and then they processed the adjustment internally and did n't defer the   three moths payments and caused derogatory credit marks that my relationship manager failed to disclose would carry over after workout period.
My daughter 's medical issue  s and impending divorce are problems compounding their arbitrarily trashing my credit report and I am grateful for your intercessation and available at  XXXX  to discuss.       Thanks for your help,  XXXX   XXXX
Consumer complaint received 2023-07-15
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: Experian Information Solutions Inc. (FL)

I have XXXX  New Inquiries on my credit report ( Experian, XXXX ) that are fraudulent. The companies making the inquiries are XXXX ( XXXX  times ), XXXX XXXX, and XXXXXXXX XXXX  XXXX. The fraudulent inquiries were made XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-11-16
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. (PA)

I am not satisfied with the results of their reinvestigation because It seems that they're not doing their job fairly and accurately. I have checked and compared all of the information they have entered on my files and all these credit bureaus have different results in their submitted reports. I need them to do their job fairly and impartially.
Consumer complaint received 2023-11-16
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. (OH)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Equifax is reporting this information.. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-08-02
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (NY)

every time i try to lower my payments they always say that they can lower it however they still say that I have to pay around {$300.00} a month. They are not helpful at all before covid they do not lower it no matter how times i speak to a representative.
Consumer complaint received 2023-11-16
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: BARCLAYS BANK DELAWARE (NC)

I received a notice from an attorney as well as the sheriff today with a summons to court for a credit card I knew absolutely nothing about. It was from XXXX, since then I disputed 2 credit cards my ex husband took out in my name and charged over {$15000.00} and other cards he put me in debt from I went through the national debt relief program. I tried speaking with the credit card company, they couldnt help me, I tried calling the collections dept, they kept hanging up on me, so I just called the credit bureau and they recommended I filed a complaint that I was a victim of fraud.
Consumer complaint received 2021-01-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC. (FL)

A collection debt is reported on my credit report. This is not my account. I didnt receive any information about this debt. This debt has been reported to my credit report. I would like this debt removed ASAP because it is not mine. I have never done business with this company and I dont where or what this debt is about. I havent given my personal information to this company or any other company.
Consumer complaint received 2023-06-23
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG FINANCIAL CORPORATION (MN)

Received a letter threatening legal action and damage to my credit for an old payday loan I do not recognize. The amount is {$3200.00}. Letter states this is a second attempt, but have not been contacted before. They list an old employer, and family members they may subpoena for court. They state they run a hard inquiry to damage my credit.
Consumer complaint received 2018-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (NC)

XXXX XXXX XXXX XXXX tells XXXX XXXX service members that the annual fee will be waived when asked during the application process. When the SCRA benefites are brought up after the account is opened the consumer is told that that was a mistake and they will not honor what was said during the application process.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX I called the company Wells Fargo to settle on a payment to be able to take this account off my credit report. Wells Fargo agreed to delete account and remark it as Settled as soon as I made them the settled payment but they didnt do anything of what we spoke about. I have letters proving it.
Consumer complaint received 2023-04-20
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: EQUIFAX, INC. (MI)

The credit bureaus continue to neglect this matter, poorly investigating disputed accounts thats clearly fraudulent. I have continue to submit valid information to proof my identity, such as police report of this fraud. I have spoking to Equifax which have stated I have some form of mixed credit with accounts and thats not mine. which I have verified my residence and documents to clear this fraud. XXXX has block my request to update my information which I have also identified myself, submitted documentation for them to verify these fraudulent accounts that they have stated was throughly investigated thats wasnt throughly investigated by neglecting my valid information and allow creditors to excuse me of these fraudulent accounts. I have sustained damage to my credit do to the credit bureau lack of trust they have continue to allow creditors to update closed fraudulent accounts and fraudulent accounts & charges like : Names : XXXX XXXX XXXX - fraudulent account and charges XXXX $ and XXXX $ refused to verify information to me has pass 30 day time period numerous times which is violation to verify this alleged debt, which all 3 credit bureaus have received documentation to proof this is fraud XXXX XXXX  - fraudulent account reporting XXXX XXXX XXXX XXXX ( 7year account pass statue of limitation to report ) is paid and in full as agreed to terms, by third party name XXXX financial that has collected debt on there behave that debt is satisfied. 
Either to be changed to pay and full or to be deleted by original creditor. Immediately documentation has been sent once again. 

XXXX XXXX  - date XX/XX/16 XXXX - pass statute of limitations 7 years, / bankruptcy account that shouldnt be report or seen on credit report that have to be removed immediately. 



XXXX XXXX XXXX  - fraudulent account and charges of {$1000.00} havent submitted no request in writing to me to sell or put a fraudulent account in collection from a third party lender by the name of XXXX XXXX XXXX XXXX XXXX -is falsifying their identity to collect a debt for XXXX XXXXXXXX XXXX, that is a fraudulent account which they are stating the account is owe {$1400.00} they are legally report wrong information on a reported fraudulent account. And is violation of 15 US Code 1692 ( f ) XXXX is report wrong information. Such as my verified address phone numbers which I have submit documentation of that as well to them that was never updated or throughly investigated when fraud occurred XXXX is in violation of : 15 US code 1681 C-2 ( b ), 15 US code 1681 ( d ) and ( c ) 15 US code 1681i ( a ) 15 US code 1681E ( 1 ) & ( b ) XXXX is in violation of : 15 US code 1681 C-2 ( b ), 15 US code 1681 ( d ) and ( c ) 15 US code 1681i ( a ). 15 US code 1681E ( 1 ) & ( b ) Equifax is in violation of : 15 US code 1681 C-2 ( b ), 15 US code 1681 ( d ) and ( c ) 15 US code 1681i ( a ) 15 US code 1681E ( 1 ) & ( b )
Consumer complaint received 2023-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. Transunion validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item needs to investigate and correct for erroneous reporting in my file and is listed on my credit report XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (MD)

I contacted Penny Mac on XX/XX/XXXX about my payment of {$2400.00} which was reversed on XX/XX/XXXX because I received an assistance loan from the XXXX  XXXX in the amount of {$13000.00} which covered from XX/XX/XXXX thru XX/XX/XXXX. I have contacted PennyMac several times inquire about where my payment is that I made on {$2400.00} which has seemed to vanish into thin air. I was sent info saying it was in suspense ( as of XX/XX/XXXX it is not in suspense and only showed in suspense on XX/XX/XXXX ) and would be applied to my XXXX payment now I am being told it cant be because I am in Bankruptcy. My Trustee sends in payments all the time that go to suspense and gets applied to my loan eventually so that made no since for the rep to say that especially when my money wasnt in suspense. I called on yesterday I was also told their system says my next payment is not due until XXXX and the money was applied to my account. I told the rep I could not see it and she said give it a couple of days then I get a message later in the afternoon saying something totally different. Either PennyMac mismanaged the funds provided by the state or they are trying to rob me. I want my money applied to my XXXX payment or refunded back.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX Account Ending in XXXX needs to be deleted. Wrong Information. 

XXXX XXXX Reports Date Of Last Activity XXXX XXXX Reports Date Of Last Activity XXXX Equifax Reports Date OF Last Activity XXXX How can all XXXX Bureaus have different Dates. My credit report should be 100 % Correct. Please delete XXXX Account XXXX. XXXX 

XXXX XXXX has account XXXX " Last Verified '' on XXXX XXXX and Equifax " Last Verified '' Shows " Nothing '', how can this be especially since I have sent them letters requesting them to investigate this account that is wrong, it comes back " verified '' yet nothing in the account was Updated. This is illegal and against my rights. It means it was never investigated. 

XXXX Account ending in XXXX needs to be deleted. It was never investigated or fixed, by all XXXX bureaus and it is past 64 days til today. Way past the 30 day mark to correct these errors. 

I have attached proof of myself as well as credit report showing these errors. 


Also My Name is XXXX XXXX. This is My ONLY NAME. I have Corrected this Several Times on my credit report and Invalid Names keep showing. 

Wrong Names : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX... etc These Names are all Wrong. 

Correct Name and Only Name is : XXXX XXXX. Please Correct my name
Consumer complaint received 2017-05-02
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. (TX)

I have called this company many times to try and to get them to fix the errors that are being reported and i have also sent many certificated letters to show that these accounts and inquires are not mines as well as requesting them to update my information such as my address, my employer and my telephone number back in  XXXX  of   XXXX   through certificated mail and as of today  XXXX / XXXX /  XXXX   it still has not been updated and when i called to try and get this resolved again they refuse to listen to my complaint and try and get this resolved.
Consumer complaint received 2023-11-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (MA)

I received XXXX dollars from my step-father to purchase tires for my car. Hours later, I was notified via email that my account was suspended. In this email, they asked that I take a picture of a form of ID. I used my drivers license, took a picture front and back and submitted it. Seeing it was still suspended this morning, I also noticed that in their settings : Identity Verification section, it says you are verified!

I spoke to someone in their chat with us service who then informed me that I would have to wait XXXX days for the specialist to clear this issue. Obviously irate, I then called them. I was on hold for XXXX minutes, then the employee told me the same exact thing the chat employee said to me already. I researched online that venmo does this ; often. Which is how I got here. I have screen shots, and emails of all of it. 

I am not a rich person at all, matter of fact I am in a disgusting financial situation, all for getting injured at work. The woman on the phone was rude, scoffed at me, and Im not one to make complaints. But that XXXX dollars is the difference between me getting new tires for an inspection sticker, or risking getting pulled over and fined. 

They have NO reason to suspend my account due to my identification. I have screen shots of everything I am claiming.
Consumer complaint received 2024-04-30
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Sunlight Financial LLC (ID)

I have been trying to get my overdraft fee returned from their error. They told me to send proof of overdraft and they would refund it. I have sent the statement from XXXX XXXX XXXX  verification. Several weeks later I am told that wasn't good enough. They want a statement with that on it. I sent that in. Several more weeks and I call again and am told nothing has happened yet. I waited another couple weeks and called again and was told it was escalated to supervisor. I waited another week and called again to be told it was kicked back so the sent it to a supervisor to sign. I waited about 10 days and called again and told that if I don't hear back in 2 days to call back. I missed the call but called right back and was told it was denied and I had to get more proof from the bank to send to them. I said that I would and I would also file complaints against them for this runaround they put me through and the representative tried to tell me that I couldn't and stopped. I got more proof from my bank and sent it in. It has been almost a week and still nothing from them.This has been over 3 months. Please help me with this. I am a XXXX  citizen and this is very XXXX. Thank you.
Consumer complaint received 2023-11-16
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: GOLDMAN SACHS BANK USA (OH)

I reached out to XXXX XXXX for work to be done to my home. XXXX XXXX sent me to Greensky for an approval and I was approved for {$10000.00} upon the completion of the work done on my property. XXXX XXXX reached out to Greensky for payment, however the ACH transaction to fund the project was returned because the account was closed. I will attach the email showing the funds was never released to the contractor account.
Consumer complaint received 2023-11-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NH)

* Capital One Savings account created to deposit funds from sale of Father 's property * {$1000.00} was transferred from Father/Daughter joint XXXX XXXX XXXX account just to get it opened *Capital One Deactivated/Froze account after accepting {$1000.00} opening transfer *Trust paperwork & Death Certificate for father were provided to Capital One *Capital One refuses to return the {$1000.00} or reactivate account *Capital One was informed that no probate court was involved due to the assets being in a trust account. 

*Capital One still holding funds improperly
Consumer complaint received 2018-05-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MA)

Mynhome was approved for a short sale in XX/XX/XXXX When it came time to close and finalize the process, I couldn't close because I hadn't found a job nor a place to live yet. The buyers on the deal backed out as they didn't want to wait anymore. Immediately following word that the short sale fell through XXXX XXXX XXXX began foreclosure proceedings on my home. In the meantime they also mailed me a letter offering me a deed in lieu of foreclosure process that was valid for a period of 60 days. The date on that offer was late XX/XX/ but I didn't receive until early XXXX. 60 days to decide if I want to do a deed in lieu would run me to lateXX/XX/XXXX However I subsequently received an foreclosure sale date notice dated For right in the middle of those 60 days they offered me. That is not fair to do to someone. My home is currently under agreement again with new buyers and my Attorney has submitted all the paperwork for the short sale to be approved to XXXX XXXX XXXX. We have not received a response yet. We have asked that the sale date be postponed in lieu of the pending sale. My Attorney nor I have received word on if the sale date is going to be postponed or not. Please intervene and do something to help. I have since found full time employment and can close on this deal. Thank you.
Consumer complaint received 2023-11-16
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

This is continuing w the last complaint. That it is paid in full, they are ruined my credit, pay me XXXX for violation of fair credit act. They sold it too another collection agency now, never took off reports. Angry, happened to me 20 years ago w XXXX, paid in full and took me too court and ruined my ID and credit, never cleared in 20 years w bank of American, XXXX and debt collector. Angry. History should not be able to repeat itself w you around. Angry and Upset with Bank of America.