davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-15
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. (TX)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate. Due to your lack of response, or a response that I classify as frivolous, 3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of account : XXXX XXXX XXXX XXXX XXXX {$3600.00}.
Consumer complaint received 2022-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

This was with Bank of America. My Name is XXXX. I disputed a transaction that was fraudulent but they've claimed their unable to pay me after making me wait a month. Had it not been able to been paid why would I've not been told sooner? The payment was made before I released the website was a fake copy of a another one. I will never receive the product. I want my money
Consumer complaint received 2023-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY (NJ)

XXXX XXXX XXXX XXXX has messed up my rent payment causing late and nsf fees of $ XXXX to my account. I have paid my balance down to {$0.00} which is why they said it failed the first time now the response is they tried to take the money from my debit card not my credit card. Im so confused and when I try to call you can never get a live agent they just have you fill out a request form. So I called Wells Fargo which is who XXXX  is ran by and Wells Fargo stated they have been trying to get ahold of XXXX for months and have filed multiple complaints. I will now get an eviction notice because XXXX has failed to pay my rent with my credit card balance at {$0.00} they have made no attempt to help or even give me definite information on why Im  having this issue.
Consumer complaint received 2022-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I called on Capitol One XX/XX/22 at XXXX. They made it extremely difficult to talk to anyone. They just transferred me from one line to another and I eventually spoke with XXXX, agent ID XXXX. I attempted to close ANY accounts with Capitol One. They refused to provide me the last four of the SSN of the person who opened an account. I was told that they blindly open accounts for people and don't do anything unless the person calls and complains. I already had a credit lock in place with ALL three credit agencies and they still opened an account in my name.
Consumer complaint received 2022-01-03
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. (IL)

I was taken advantage of due to Malpractice by this credit reporting agency while several laws were being broken under the FCRA by this company. This has called me financial injury, defamation of character due to their willful non-compliance. I have been denied credit from multiple lenders, I can not get a Job & have not been able to qualify for a SBA Loan due to the coronavirus pandemic because of my credit.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I sent a letter to XXXX, XXXX, and Experian to update my address to the correct address because i only have one address. the job information they have on file was incorrect. My name was incorrect on my file. I need to have my personal information updated to the correct information. I previously sent a copy of my state id and utility bill to show proof of my correct personal information. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I sent a letter to XXXX, TransUnion, and XXXX to update my address to the correct address because i only have one address. the job information they have on file was incorrect. My name was incorrect on my file. I need to have my personal information updated to the correct information. I previously sent a copy of my state id and utility bill to show proof of my correct personal information. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.
Consumer complaint received 2023-05-18
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. (WI)

On XX/XX/2023 I received my credit report from all three major credit reporting agencies. I noticed that there were some unauthorized inquires reporting. On XX/XX/XXXX, I contacted XXXX, Equifax and XXXX to no avail, the inquires still weren't removed. XX/XX/2023, I sent a certified letter stating that the inquiries were unauthorized by me, and that i would need those removed. I received a response stating that the inquiries were factual. I was not sent any information on how the companies determined those to be factual and I was not shown any applications that bear my signature or any proof that those inquiries were in fact made by me. In the climate of today 's society, anyone can get ahold of your information and apply for credit online. After I also sent letters to all three bureaus again XX/XX/2023, requesting that those inquiries be removed again, and my intent to file a complaint with the FTC.
Consumer complaint received 2023-06-09
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)

On XX/XX/XXXX and XX/XX/XXXX I disputed the following accounts 1. XXXX # XXXX ( NoPaymentHistory/Fraud ) 2. XXXX ( Notmyaddress ) 3.Remove all old addresses, becauseofinaccurateinformation. 
4. XXXX XXXXXXXX XXXXAccount # XXXX Once this was confirmed by the bureau the account was removed then added again and my score was decreased. I am owed XXXX dollars according to the rules and regulations of fair credit reporting if I dont receive a response with in 30 days. 

On XXXX XX/XX/2023 I called Equifax consumer services and spoke with agent XXXX at around XXXX and attempted to understand the situation and check the status of my disputes that were previously submitted. I was told that I had to wait for the investigation to end. I told the agent 15 USC Code and she told me I still had to wait and then I asked for a supervisor. She proceeded and put me on hold and dropped the call after about 10 minutes. Equifax is not reporting accounts and fair information on my report. It appears they are working more with consumers to ensure false information is retained on my reports.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-02-14
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (FL)

Hi, First, I am a victim of hurricane IAN and lost my home and car and currently displaced 2.5 hours away from home. I have explained this to synchrony bank, in which I have several cards with them and have not been late, even with the devastation I've gone through. They have sent me a notice today at XXXX that my credit limit on my car care credit card has been dropped from XXXX ( I believe that's what it was, down to XXXX ) ..for no reason, I have paid it down from XXXX to XXXX and then they did this. A month or so ago, they also did this to my lowes card. Their reason stated is that I have a recent real estate delinquency and haven't paid down enough of my mortgage loan in the slotted time frame, however, my mortgage is in forbearance due to the hurricane, while I wait for repairs, they accidentally reported it to my credit as delinquent, they have retracted it and I disputed it, but it's takes at least 30 days before coming off and I just purchased the XXXX XX/XX/2022, then the hurricane hot in XXXX and went into forbearance, so of course I haven't paid as much but when I was paying it, I was never late. I am fixing my credit from the mortgage mistake, in which I also have an email from them stating this. I am also TRYING to pay down my credit as I had to use it when this all first happened.but again, I've never been late on any of them. You can look and see if have 100 % payment history and once I'm situated back in my home, I will begin my mortgage payments again.however, they are making my credit worse by dropping my limits. None of my other credit cards have down this only synchrony. I would love to close them all from synchrony because they have treated me so horribly but again, that would hurt my credit.can you please help me. I have tried with them and they don't care. I could see if I was late and not paying, but I am and the fact that they did this as soon as I paid it down to XXXX is disgusting.that was a real low blow. They don't even call a client to see why the issues are, such as my mortgage issue, that was not my fault, it dropped my score and now I'm waiting for all 3 credit companies to remove it, I also couldn't help that I had to use a lot of my credit cards to survive for a bit but again, they are paid ..all of them, on time. Even the car that was ruined and is now undrivable, I still owe on it but I'm paying it. This is just horrible and I can't have this added stress of a credit card company removing limits for no reason, dropping my credit score.more on top of being homeless right now. This is such another example of how bad this world has become when it comes to humanity. Taking advantage and slamming people in devastation.please help
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please Thank you!
Consumer complaint received 2019-12-01
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (MI)

Everything in this complaint is well documented with letters, notes, and emails, however its the 80+ hours of phone calls with Ocwens Office of the Consumer Ombudsman and PHHs Retention, Resolution, and Escalation Departments that have been most helpful in accurately piecing together all that has occurred. Its been my experience when dealing with Ocwen, and now PHH, that a majority of my concerns will not be properly investigated, if at all, will not be accurately noted to the file, if at all, and the resolution letter is so watered-down that it rarely describes what truly transpired. The help desk said I cant upload audio files but if you thought it would be helpful I could copy all call to a USB drive and overnight it. COMPLAINT : In late XXXX of this year Ocwens Office of the Consumer Ombudsman, and then PHH, agreed to suppress my credit history with all 4 CRAs from my XX/XX/XXXX payment through XX/XX/XXXX. Although neither Ocwen or PHH dispute the agreement to suppress my credit, both continue to knowingly furnish erroneous information to each of the 4 CRAs.. In XXXX I disputed Ocwens erroneous reporting with the CRAs, Ocwens responded by continuing to report the erroneous information and falsely verifying it as accurate. Over the past 9 months Ive provided over a dozen excerpts from my credit report showing the erroneous reporting, however, I cant find a single time theyve even acknowledge them. Ironically, one of the reasons for granting the credit suppression in XXXX was Ocwens erroneous reporting of my credit back in XX/XX/XXXX. The only bright spot in this entire mess was working with XXXX XXXX in the resolution department. She understood my issues, was accessible and responsive, but most importantly she got answers. She actually fixed the reporting issue in late XXXX it was short-lived lasted until XX/XX/XXXX. Im attaching the following. PHH latest erroneous credit reporting response dated XXXX, various credit excerpts highlighting the erroneous reporting, Ocwens dispute response to XXXX, Excerpts showing Ocwen and PHH reporting correctly XXXX XX/XX/XXXX. Again, I would encourage you to listen to the calls to fully understand what borrowers have to deal with. In the next week or so I will be filing separate complaints against both Ocwen and PHH for their continued violation of our Federal consumer financial laws, Ocwen for its actions leading up to the XXXX suppression agreement and PHH violation regarding the transfer and modification agreement.
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: EQUIFAX, INC. (NC)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Consumer complaint received 2023-02-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (WA)

My housing counselor and I asked for a detailed breakdown of all the fees & charges to my mortgage with Wells Fargo. We did it on the phone, by handwritten letter & email several weeks ago, but Wells Fargo failed to deliver it. 

They also imposed an escrow acct and charged me for property taxes/HO insurance premium that were never over due. 

I applied for WA HAF in XX/XX/XXXX and was informed the HAF would be delivered by XX/XX/XXXX. But Wells Fargo failed to provide the correct amount due and put the HAF assistance at jeopardy. Each time they provided a high number thats different from the official statements and what we were told on the phone. Even their XXXX did not know how those number come up as they did not add up. 

Wells Fargo is the worst large agency I have dealt with. No wonder it was fined $ XXXX recently. I am deeply frustrated and need your help ASAP. Thank you! 

Truly yours, XXXX XXXX XXXX
Consumer complaint received 2023-08-15
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: EQUIFAX, INC. (FL)

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please delete these accounts immediately.
Consumer complaint received 2019-12-01
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. (PA)

XXXX  is showing on my credit report on XX/XX/18 in which the application is fraud by XXXX/ XXXX XXXX  XXXX  XXXX  in which the social Security on the application is not mines the DOB is not my DOB and the Driver Lic is not my Driver Lic Number and there is no date on the application and it's type. I took out a loan with XXXX XXXX XXXX  in which I filled out the application not nor ever applied for a loan with XXXX XXXX/ XXXX XXXX XXXX is all fraud by both Parties. And Date of Birth Social Security Number And drivers lic is some else not my legal information of me.
Consumer complaint received 2023-08-14
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. (NE)

I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report. I have attached supporting documents that substantiate my claim. Your prompt resolution of this matter is greatly appreciated.
Consumer complaint received 2020-01-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Early Warning Services, LLC (IL)

Staring XX/XX/2017 there was fraudulent activity not on my part my debit card & identity was stolen as a result of that I have not been able to open a bank account saving or checking account I didnt take action before but Im now doing anything I can to take matters into my own hands Early Warning Signs has made it to where no banks will allow me to have a bank account. I have detailed dates and amounts in the attachment.
Consumer complaint received 2022-10-16
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. (MO)

In Accordance to the Fair Credit Reporting Act 15 U.S.C 1681 Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX  XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : it states a consumer reporting agency can not furnish without my written consent 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. a debt collector may not communicate, in connection with the collection of any debt 15 U.S.C 1692 806 ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Consumer complaint received 2023-03-08
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: Experian Information Solutions Inc. (GA)

XXXX. All the credit report companies XXXX, XXXX and Experian are all reporting late payments on my credit report. 
XXXX All the credit report companies are reporting hard enquiries without my authorization.
Consumer complaint received 2023-08-15
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and others checked my cedit
Consumer complaint received 2022-09-06
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. (CA)

I told XXXX via website that there are addresses on my file that dont belong to me along with a collection thats been on my file since XXXX. This delinquent account has been sold over and over again and each month and year its sold and bought the collection reappears on my credit file. I been in XXXX since XXXX and was released XX/XX/XXXX. There are inquiries on my report during the years I was incarcerated and up to year XXXX before the month of XXXX. Transunion also have these inquiries doing this time period on my credit file. I need help.
Consumer complaint received 2022-09-06
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. (NC)

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-05-25
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA (IL)

I am currently leasing a XXXXXXXX XXXX 

I was charged fees that were not justified or warranted. 

I complained to Hyundai Capital Motors and was denied relief. 

The Hyundai Capital Motors lease contract has an arbitration section for settling disputes.

I have submitted a demand for arbitration eight weeks ago and I have not received any response, They are ignoring their own contract.. 

They should pay their part of the Arbitration Fee and go forward with my demand. 

By not responding they are forcing the closure of my claim. That is not just or fair or in accordance with their own lease contract.