davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Spring Oaks Capital, LLC (NY)

There's a record my report from a company I do not recognize, nor have done any business with. The name is Spring Oaks. I have never obtained any money from them. I contacted XXXX several times but did not get any action taken. This is not my loan. 
Please, remove from my record immediately. This is fraud.
Consumer complaint received 2023-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (IL)

Synchrony bank closed my account and I did not receive any communication regarding this action. I have been a customer for years and have several accounts with them and according to a representative they have a right to close an account at their discretion. I never received a notice and their explanation was it was sent. They closed an account with a XXXX balance however my other accounts remain open. I have never been late nor have I missed a payment. I think it is unfair to extend credit and then without notice determine that you are no longer creditworthy and it affects your current credit score. This practice is detrimental to a consumer.
Consumer complaint received 2023-06-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (FL)

In XX/XX/2023, I tried to reopen my account with Chase bank which had been closed, for no reason and for having my documents expired, when I opened the accounts again, the banker who attended me made the calls to the department in charge to verify that I did not have any type of problem, which the agent authorized the reopening of my account, after more than 1 hour of waiting and scheduling Open the account. 

The banker in charge called the department in charge again and it was notified that an opening of my account could not be made, leaving everything that the banker and the sales executive did could not be done, understanding that there is clearly an attack on my person since my rights as a citizen of being able to open an account where I have never had any problem with that institution are not fulfilled and I
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: MRS BPO, LLC (TX)

I do not know where this came from company is MRS BPO The account should not be furnished on my consumer report as they are in violation! Under 15 U.S Code 1681b- Permissible purposes of consumer report ( 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 WRITTEN INSTRUCTION of consumer to who it relates. I NEVET gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No CONSENT IS IDENTITY THEFT. As a consumer I am asking the deletion of this account immediately. Thank you so much
Consumer complaint received 2017-04-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo call me two to three times a day ( on number XXXX ) attempting to collect/negotiate a debt. This bank leaves a voice message for XXXX. The message is from XXXX with wells Fargo Card Services, asking XXXX to return her call. This harassment has been going on for over two months now. Some calls are late at night. I am NOT XXXX and my voice mail message clearly states my name, being XXXX.
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I am a natural person, I am a living human being, I have rights under 15 USC 1681 Equifax is govern by 15 USC 1681 and they violated my rights numerous of times. I demand the accounts and inquiries below removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-06-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COAST PROFESSIONAL INC (FL)

On XX/XX/XXXX, I received a past due notice in the amount of {$1600.00} from XXXX XXXX XXXX University for past due charges on my student account. I paid these charges directly to the university, the original creditor, on XX/XX/XXXX. After I had paid the debt, I received a collections notice from Coast Professional Inc. ( XXXX XXXX XXXX XXXX, NY XXXX ) for the account in collections. Coast Professional ceased any further collection on the debt but has refused to remove the collection account from my credit report. They had no involvement in the transactional process with the original creditor nor at any time prior to the debt being paid did I have any communication with their agency. Their posting of this collection to my credit report is fraudulent and they have refused to delete the account despite multiple disputes directly with the agency and the credit bureaus.
Consumer complaint received 2022-11-30
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. (AL)

XXXX account XXXX. High credit balance reported as a loss by credit grantor. Balance Credit Limit is {$0.00}. 15usc 1681i I have no knowledge of this account, if this was charged off it can no still be reporting. you must remove or submit a 1099G because you can not collect on a charged of account that you submitted to the IRS please remove and suppress. please update credit report
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Medical-Commercial Audit Inc (LA)

On XX/XX/XXXX, I was sent an email stating that accounts have been closed. I spoke with XXXX in the MCA Management office and she stated everything had been cleared. However, even after contacting the bureaus they are still showing on all 3 reports.
Consumer complaint received 2023-06-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: SANTANDER HOLDINGS USA, INC. (FL)

Acct number XXXX On or about XX/XX/2021 my XXXX XXXX was repossessed and later sold at auction and is currently listed as a Paid/ Charge off on my consumer reports. I have not However received a 1099c tax form. 
I am requesting that this document be sent to me via mail to address XXXX XXXX XXXX XXXX  XXXX XXXX, Fl XXXX within the next 15 days.
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC (MO)

Transworld Systems is listing a tradelines on my credit reports that must be deleted immediately from my XXXX, XXXX, and XXXX in the amount of {$2200.00}. report.. This trade line states the account was opened XXXX, XXXX and was added to my credit report this pass XXXX XXXX, which is against the rules of XXXX, XXXX, and XXXX and the credit reporting agencies reporting it. 

1.This debt should be verified, and the date will state the debt is not older then 1-year therefore ineligible to even appear on my credit report.In addition, I requested the company validate the debt which they did not provide me with any documentation to prove the debt is mine. I never received one piece of documentation from the collection agency even notifying me of the debt. The only notification I received was the placement on my credit report. Again this is a violation of the FCRA credit reporting act. 


I am requesting immediate deletion of the tradeline for all three of my credit reports that must be deleted immediately from my XXXX, XXXX, and XXXX in the amount of {$2200.00}. 


Account that is listed on my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2023 Responsibility Individual Account Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY Balance {$2200.00} Date Updated XX/XX/2023 Last Payment Made XX/XX/2023 High Balance {$2600.00} Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} Pay Status >Collection< Date Closed XX/XX/2023
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My XXXX XXXX and I noticed that our identities are mixed up in all three credit bureaus ( Transunion, XXXX and XXXX ). We've been Trying to clarify this mix up for past Two years now and have gotten no where. I am hoping the CFPB can help us resolve this issue. I am in the process to purchase a home but because of this identity mix it seem impossible! Thank in advance! 

My Identity is : Name : XXXX XXXX XXXX : XX/XX/1995 SSN : XXXX My XXXX XXXX Identity is : Name : XXXX XXXX XXXX XXXX XX/XX/1995 SSN : XXXX
Consumer complaint received 2017-04-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Convergent Resources, Inc. (CA)

I had received a phone call from my bank that they are going to close my line of credit because of my credit score has changed and I asked them it must be a mistake and they give me few weeks to take care of the problem. I immediately purchased a copy of my credit report from XXXX where I noticed my credit score has dropped down by XXXX points due to a collection account from a company called convergent outsourcing for an unpaid XXXX account that is not mine. earlier today I spoke to XXXX which was not cooperative to remove this account from my credit report.
Consumer complaint received 2017-04-03
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I chose to close a secured credit card account with Capital One in XXXX. I was informed at the time that it would take 2 billing cycles before I would receive my deposit as they would need to apply any subsequent charges to the deposit balance. As of XXXX there was a balance remaining of {$150.00} and this has not changed as of today ( XXXX ). 
I attempted to contact Capital One to inquire about the status of my deposit and was transferred to two different departments before being given the same information ( about the 2 billing cycles ) and that there was no further information they could provide at thisi time. This is unacceptable and I am being given the runaround in hopes that I give up and leave my remaining balance with Capital One to do as they please.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

I contacted XXXX on XX/XX/XXXX around XXXXXXXX XXXX and talked to a XXXX who refused to give me her employee number after she was rude, unhelpful and refused me access to my report claiming I did not answer the security questions correctly which I DID, she also denied me the ability to remove to freeze and security alert permanently after I have had continual issues with them and their webpage, after not being able to access my account online AGAIN to put my credit freeze I removed temporarily back on my report and asked her to update my phone number on my security alert I placed on my account after having my data breached XXXX since XXXXXXXX  She then refused to let me talk to a manager five times and said she had to have them call me, but finally sent me to XXXX XXXX who asked me five questions and secured the account within three minutes after she wasted half an hour gathering all of my PII and life history and did nothing to help me! I want her fired!!! I want the credit bureaus shut down they are worthless and only put everyones data at risk!! All three have been hacked and breached my information than the XXXX  have you say all of your PII outloud again in front of everyone around you at the business and their coworkers as well as enter it online!! Is it any wonder every person has been hacked numerous times??? They have no business having and trying to control our data or treating us as criminals when we make a call or change!! They should have updated my phone number months ago on my security alert with my current number in my account and all three bureaus should be interconnected so they can update any of these changes per the FCRA and FDCPA all data on all credit reports are to be accurate and the same and updated between them, yet XXXX said they do not do this!!XXXX XXXX XXXX XXXXXXXX do they do other than report incorrect information, try to control our data and correct businesses by XXXX XXXX XXXX and ruining our credit and gathering our new information to help them skiptrace!!! This country ran XXXX percent better before they ever were created! They also should be made to only use personal security words to verify who we are not blasting all of our PII all over the call center and making us do the same from the business!!!! XXXX!!!
Consumer complaint received 2018-06-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (NY)

My mortgage was sold to Nationstar now Mr. Cooper and ever since they obtained the mortgage they want change the originals terms of my loan concerning home insurance. They have predatory practices regarding having to carry home insurance and are always looking to finds way to upcharge you more. I hate the fact that XXXX sold my loan to them. They are the worst!
Consumer complaint received 2016-11-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Asset Management, LLC (NC)

I rented an apartment at the XXXX at XXXX XXXX XXXX XXXX and moved out of the premises XX/XX/XXXX. I was told that I would have to pay the relenting fees of early termination of lease of {$700.00}. I contacted the apartment because I had received a bill for approximately {$2400.00} from a collection agency called XXXX XXXX XXXX XXXX On numerous attempts. I tried to get the issue resolved with the correct amount being owed. I spoke with the apartment staff that made an adjustment and indicated that they did see an error in the amount that I owed and would adjust it. The adjustment was made to {$1400.00} I tried on numerous attempts to advise the collection agency of the correct amount and they told me they needed a copy of the corrected ledger. I submitted a copy of the corrected ledger, then they said the copy had to come from the apartment complex directly. The apartment indicated they sent a copy over as well. I made an initial payment of {$430.00} toward the balance and had made arrangements to pay the balance of {$1000.00} on XX/XX/XXXX. I got laid off work and contacted the collection agency and spoke with the unit manager XXXX XXXX @ Ext XXXX to stop that payment and make other arrangements for the {$1000.00} balance. They refused to take my request and told me to call back on Monday and speak with XXXX XXXX the account representative. I asked that since you are the manager, how come you could n't assist me. He said because I just cant. He also denied having the corrected amount that I owe and kept indicating that I was paying on a settlement. I tried to explain to them that this was n't a settlement because the amount of aaproximately {$2400.00} that they have is incorrect in the first place so there is no settlement. I have been placed on hold for long periods, been refused to get proper assistance to get the issue resolved and am very frustrated and concerned with how I have been treated and how they refuse to adjust the correct amount owed. Please help.
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-11-22
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: Experian Information Solutions Inc. (FL)

I provided Experian with emails that were from XXXX XXXX XXXX company and the finance company used for XXXX XXXX XXXXXXXX XXXX XXXX that clearly stated I had never received XXXX XXXX XXXX and they were working on having it removed from my credit. XXXX XXXX XXXX company took the money from XXXX XXXX for a trailer I ordered but they sold to someone else. XXXX XXXXXXXX has put in writing that this money has not been returned by XXXX XXXX XXXX XXXX but they have cancelled the loan and will have my credit report updated. I never received the money or the product. I was told by my lender who I am working with to purchase a home to provide these records and proof to dispute with credit bureaus and I did. Not only is the proof in the email I also provided contact info to both companies to the people who were working on resolving this inaccuracy. They updated my report as the balance being valid within 24 hours. No way they did any investigating and I have confirmed with XXXX from XXXX XXXX nobody ever contacted him or he would have advised them of the fact I do not owe anything for a product I never received. Both XXXX & XXXX XXXX XXXX have stopped responding and I am unable to get an update from them.
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

After reviewing my credit report the following inquires does not belong to me or wasn't authorized by me. 
XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The presence of these fraudulent details violates the regulations set forth in 15 USC 1681C-2. I am formally requesting the removal of these unauthorized and unlawful inquiries from my credit report. These deceptive inquiries not only provide an inaccurate portrayal of my credit history but also expose me to considerable risks concerning my financial stability and reputation. It is crucial to address this issue promptly to protect my creditworthiness and uphold the integrity of my credit report. Therefore, I am seeking the swift removal of these fraudulent inquiries to restore the precision and dependability of my credit profile.
Consumer complaint received 2022-12-22
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: Experian Information Solutions Inc. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : 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 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 2022-12-22
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : 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 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