davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Onity Group Inc. (SC)

I never received any information on this account because this company no longer is open and they sold my account to another mortgage company. Ocwen Loan Services continued to report inaccurate information on my credit reports.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (AL)

XXXX XXXX XXXX - XX/XX/XXXX - {$350.00} AMEX - XX/XX/XXXX - {$0.00} On XX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX  days later I have not received a response, yet I feel like Im being take advantage of and ignoredonmydisputes.
Consumer complaint received 2023-03-06
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. (TX)

FCRA violations : inquires not mine XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2900.00} Status Open. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$2200.00} Status Open. 
XXXX XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$97000.00} Status Open. 

FCRA violations : improper credit reporting XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$7.00} XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$8.00}
Consumer complaint received 2022-10-19
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. (CA)

Im filing this complaint on my credit report because of the hard inquirys I didnt authorize this are the list of the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2017-05-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SMITH, ROUCHON & ASSOCIATES, INC. (TX)

On  XXXX   XXXX ,  XXXX , I wrote a letter to  Smith Rouchon  requesting " verification of proof '' that I owed this debt. This medical bill occurred with an accident at my employer site and workers compensation was authorized to pay all my hospital debt. I called this company in  XXXX  and advised them to call my employer  Human Resources department so they may re solve this matter. The debt collector indicated they called but never received the payment. When I contac t Smith Rouchon and   ask for documentation the agency contact there refuse to provide me any information in writing. Per the Fair Debt Collection Practices Ac t, 15 USC 1692g Sec. 809 ( b ), this  is a violation of my rights. I can provide the certified letter with signature of receipt as proof that I attempted to request this.
Consumer complaint received 2022-07-11
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: U DRIVE ACCEPTANCE CORPORATION (IL)

Purchased a vehicle and was in a car accident. My insurance totaled it out and XXXX XXXX was supposed to cover the rest. I asked before agreeing if I could buy back car XXXX at UDRIVE stated if I did that XXXX would not cover it and I would still owe for the car. I completed everything they asked and noticed that they were reporting late payments on my credit report which is inaccurate. I then asked them why are they marking late payments on my credit report. I was told that I owed {$1100.00}. Then was told on a separate date that I owed {$1300.00} and then on another date was told I owed {$1100.00}. Then received an email with a different amount as well. Everything is attached as proof. Thats the first invalid information because they do not even know how much I owe. Thats because I do not owe anything, and they are trying to scam me out of paying for a loan that is not NULL AND VOIDED. Then I stated that I was paying interest on the current loan and if I owe this alleged debt why would I continue paying interest on a loan for a car that I no longer have in my possession. I then received a text from XXXX stating thaXXXX once I sent in a payment, he would re-write the loan which I don't agree to, and they would correct the late payments. That does not even sound valid. I have not agreed to re write a new loan because the previous loan for the car that was totaled out is null and voided now. They also wrote on my credit report " ADJUSTMENTS PENDING '' Meaning by law under the FCRA they should not be reporting anything until they have finished with the settlement/deductions/etc. They have been harassing me. Phone calls beginning at XXXX XXXX which is against the law. Text messages and voice mails stating different amounts. This company seems like a scam and they prey on those who they think don't know their rights and the law.
Consumer complaint received 2023-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Please refer to case XXXX XXXX XXXX mentioned in their doc that they confirmed with BOA that the transaction was successful and the receipent was credited on XXXX XXXX. However, that was not true. The receipent is my wife, and she did not get the money in her BOA bank. 

Either XXXX XXXX  provided false information or BOA did.
Consumer complaint received 2023-10-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (CA)

I requested to cancel account on XXXX to avoid paying the annual fee that would be billed effective XXXX. I spoke to several customer service representatives. No one wanted to cancel my account. I received a letter in mail stating that if I canceled before XXXX I would not be charged. I also questioned what the {$12.00} per month charge that I was receiving every month. I want the account canceled and not to pay the {$49.00} annual fee. I was told by XXXX to call back later.
Consumer complaint received 2023-10-18
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. (UT)

I have sent certified letters with tracking information to XXXX XXXX  on XX/XX/XXXX and XX/XX/XXXX requesting validation of the 'charge off ' that is listed on my credit reports for {$1900.00} regarding account # XXXX. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay XXXX XXXX. XXXX XXXX has failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 


Additionally, XXXXXXXX XXXX has also not provided a sentence on my credit report WITHIN XXXX CALENDAR DAYS from my first certified letter dated XX/XX/XXXX requesting that I am disputing the negative item in question
Consumer complaint received 2023-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I don't know what their reasons are when they're reporting me as late even though I'm never late so please look and review the documents that I've attached.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I noticed fraudulent accounts on my credit report and I immediately notified the credit bureaus of this. I quickly sent them copies of my correct information along with the identity theft report, It has been 60 days and they are still reporting the fraudulent information and they have not investigated it.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I have sent certified letters with tracking information to XXXX XXXX  on XX/XX/XXXX and XX/XX/XXXX requesting validation of the 'charge off ' that is listed on my credit reports for {$1900.00} regarding account # XXXX. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay XXXX XXXX. XXXXXXXX XXXX has failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 


Additionally, XXXXXXXX XXXX  has also not provided a sentence on my credit report WITHIN XXXX CALENDAR DAYS from my first certified letter dated XX/XX/XXXX requesting that I am disputing the negative item in question
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MI)

On XX/XX/XXXX  I requested that XXXX, XXXX and Equifax validate that a bankruptcy that was reporting on my credit report was indeed mine. However, XXXX was the only one that replied verified although they did not investigate. XXXX and Equifax actually ignored my request. Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. They violated my rights by not investigating and ignoring my request. The courts do not validate and there's nothing on my XXXX XXXX  reporting that shows any sign of a bankruptcy.
Consumer complaint received 2023-12-23
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Newport Intermediate Inc. (FL)

XXXX wrote : Sent via form submission from XXXX Name : XXXX XXXX Email : XXXX Phone Number : XXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX - XXXX Company Name : XXXX XXXX Last 4 digits of the card in possession : XXXX Inquiry Type : Fraud/Dispute Message : I need to dispute all transactions from the deposit for {$75.00} on XX/XX/2023 I did not use nor authorize any transactions since the transaction before that deposit on XX/XX/2023 my card was stolen in between them and now I did not know it was missing until today when I went to use it after donating XXXX so every transaction after XX/XX/2023 needs to be disputed as I did not use it or authorize anything since
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (FL)

In accordance with the fair credit reporting act Discover Bank has violated my rights by reporting a late payment on XX/XX/2022. Under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 b, a creditor may not treat a payment on a credit card account under an open end account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (VA)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Consumer complaint received 2021-03-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: FIRST REPUBLIC BANK ()

I was solicited to purchase shares of stock in XXXX XXXX ( NASDAQ : XXXX XXXX by the broker XXXX XXXX XXXX on XX/XX/2020. 

XXXX XXXX XXXX instructed me to transfer the cash for the purchase to their account with XXXX XXXX XXXX through their account with First Republic Bank. 

Since that time, I have become aware that XXXX XXXX is a fraudulent bucket shop. Evidence is here : XXXX XXXX XXXX I have also become aware that XXXX XXXX  XXXX is engaging in fraud.Here is the evidence of the fraud : XXXX XXXX XXXX XXXX XXXX //XXXX XXXX XXXX XXXX So I am now reporting to you that First Republic Bank is providing account services to a company engaged in securities fraud : XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX The account is with First Republic Bank, XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX
Consumer complaint received 2020-04-14
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. (NY)

Citibank continues to place irrational responses and their delayed behavior as an excuse my account never represents my available credit usage. I made a payment of {$500.00} and after the immediate withdrawal from my account which was confirmed by Representative XXXX from XXXX XXXX XXXX, Citibank claims the monies has yet to be confirmed etc. This is unacceptable. This is the 4th time Citibank has deployed this tactic not reflecting my actual balances and available credit. Please investigate immediately.
Consumer complaint received 2024-05-05
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (NC)

It has come to my attention that the documentation provided by National Credit Systems is a Lease Addendum from XXXX  PER XXXX XXXX XXXX REQUIREMENTS, a lease renewal addendum is required every year. 

Please provide Lease Addendums from XXXX and XXXX for XXXX XXXXXXXX XXXX 

To verify said debt, please provide XXXX XXXX lease renewal addendum for the year of XXXX for XXXX XXXX XXXX XXXX 

If National Credit Systems and XXXX XXXX XXXX can not provide documentation of a Lease Renewal Addendum for year XXXX, these companies will be accusing XXXX XXXX of being a squatter. 

If the lease renewal addendum for year XXXX can not be provided, this debt will be deemed unverified and void. 

Please note that if the Lease Renewal addendum for year XXXX can not be provided that both XXXX XXXXXXXX XXXX and NATIONAL CREDIT SYSTEMS will be open to litigation on the bases of DEFAMATION, FRAUD AND OTHER DAMAGES.
Consumer complaint received 2023-10-18
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (CA)

XXXX I requested a credit increase on my apple card. I was declined and told it was due to high balances on the revolving credit and length of time accounts are established. So since I was planning on using that card on Monday I made the payment on Saturday for {$15000.00} ( I am attaching the copy of the Payment made ). Since Saturday I have called Goldman Sachs 3 times. They refuse to post the XXXX XXXX payment. They refuse to call my bank and see that the money was taken out of my bank by Monday. I have asked for a supervisor to call me back since Saturday no one has called back. In the pass I had The Goldman rep tell me that yes in the past my payments of {$9000.00} were posted immediately but now I need to wait XXXX XXXX for them to post my payment so I can use the card. I believe that they are prejudice to me. Also the paper work from Goldman Sacks said my XXXX XXXX score as of XX/XX/XXXX was XXXX I have my XXXX from todayXXXX which is XXXX. ( which was lowered due to the inquires ) I also have the XXXX credit report from XX/XX/14 which I printed when Goldman declined increase that I requested, shows my credit score at XXXX and that I have only used 5 % of my availabe credit. Currently I have paid the apple card in full but they will not post my payment so I can use my card. Also on XX/XX/14 I applied for XXXX revolving card and got {$35000.00} credit line so how can that be?
Consumer complaint received 2021-01-06
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. (AL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. DPT EDXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. U S DEPT OF EDXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. U S DEPT OF EDXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX 6. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX 8. XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2020-07-31
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: TD BANK US HOLDING COMPANY (IL)

I have a loan with NORDSTROM/TD BANK USA. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and NORDSTROM/TD BANK USA with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2023-10-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: DISCOVER BANK (TX)

So I applied for a Discover Bank Home Equity loan in XX/XX/2023. I submitted all the documents needed. Then one of the customer service agents called after a couple of days of the application saying everything looks alright except that I had a negative event in my credit report. So one of the loan accounts was 30 days past due in the credit report. It was past due but I did go ahead and make the payment after that but it did not reflect until the next statement in XXXX. But the day of the agent calling me which is XX/XX/XXXX, I did see a notification on my XXXX account saying that the loan account has reported positive activity and the account is current now. So I tried asking him to pull the report again. The agent did but it still did not show the account as updated on their end. I said it was the same day so maybe it might take a bit of time for it to be updated on their end. So I waited until today XX/XX/XXXX, which is almost a month later to reapply again. So I called up the bank to re apply and they went ahead and re applied and pulled the credit report again. But it still says that account is not current. Which makes me think they do not pull current credit report for the credit. They go with the old credit report. This could end up in lot of people with inaccurate credit history being pulled and interest rates based on those. Because of this now I have XXXX credit pulls within last couple of months but an inaccurate credit report on their side and declined loan because of it.
Consumer complaint received 2023-10-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jonathan Neil & Associates, Inc (CA)

Jonathan Neil & Associates , INC is accusing me of a debt that is not mine. Is a third party harassing me daily accusing me of an accident that was not me and I have proved it and they keep ignoring the fact is this accident has nothing to do with me XXXX denied the case and have proofed I have nothing to do with this accident. The party in in fault has reached out and they keep ignoring everything I have been harassed and threaten.
Consumer complaint received 2018-04-23
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: NATIONSTAR MORTGAGE LLC (NC)

After I filed a complaint with the Consumer Financial Protection Bureau on XX/XX/XXXX, The original servicer, XXXX XXXX had already started transferring the servicing of the loan to Nationstar on XX/XX/XXXX. Once again trying to collect on a debt that they cancelled in XX/XX/XXXX.

I am asking once again that their lien be removed because XXXX has already collected over {$80000.00} from me in payments. I did not accelerate lien in any way. The servicer XXXX  canceled the debt before acting on the lien in XX/XX/XXXX generating revenue for me. They did not however release the lien. Now they are trying to seize my home with the lien by way of foreclosure, and simultaneously trying to collect the debt by transferring the loan to another servicer Nationstar.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.