davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-08
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. (OK)

I submitted a complaint to the Consumer Financial Protection Bureau on XX/XX/2020 regarding EQUIFAX. 

I have repeatedly asked EQUIFAX both on-line and by certified letter as is my right under the FCRA 611 ( a ) ( 7 ) for a complete description of all methods used to investigate my dispute regarding an inaccurate report of an auto loan from XXXX XXXX XXXX. EQUIFAX has NOT provided this information. They responded to my complaint filed with the Consumer Financial Protection Bureau by sending a copy of my credit report via first class mail. They DID NOT provide me with the requested Methods of Verification of the dispute with XXXX XXXX XXXX. 

I DEMAND EQUIFAX provide me with WRITTEN Methods of Verification of my dispute or delete this item from my credit report permanently. I can not move forward with a police report without information including signed contract, the business where automobile was purchased, date of transaction and ID provided at the transaction. 

I have also requested this information from XXXX XXXX XXXX on MULTIPLE occassions with NO response.
Consumer complaint received 2020-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

there is a hard inquiry from XXXX/CBNA which does not belong to me. iv tried to contact them and i have not been able to get anyone on the phone. this is hurting my score and i am not able to get approved for a mortgage.
Consumer complaint received 2023-01-06
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (OK)

XX/XX/2022 - I was in the XXXX store and the girl at the check out line started asking me personal information while I was trying to purchase my items. I don't remember them asking me if I wanted to apply for a card. I told her numerous times that I was uncomfortable with her asking me for my address and my social. I asked her why she was asking me for the information and I didn't think what she was doing right. She made me feel like she couldn't complete the transaction without the information, so I gave it, but I repeatedly kept telling her I didn't like it or think it was right. A few days later I received a denial letter in the mail and it scared me so badly, because I have had fraud before. I am now very uncomfortable using this XXXX.
Consumer complaint received 2020-04-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC (NJ)

Due to Covid 19, I've experienced a slight financial hardship. I have asked my car company, American Credit Acceptance to extend/defer XXXX payment, the XX/XX/XXXX payment. I have been told no by various reps from that company. XXXX made XXXX calls ) I have been threatened with repossession if I don't pay and also have been told they will call me every XXXX days until the payment is made. The payment amount is {$1000.00} due XX/XX/XXXX. I have been calling for assistance since XX/XX/XXXX when I realized my husband 's job was affected by Covid 19. I am a great customer. I financed the vehicle XX/XX/XXXX, and have made XXXX timely payments with this company and now I find myself along with other Americans in a financial crunch. They are not willing to help!!
Consumer complaint received 2020-04-08
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. (CO)

Transunion should not be reporting the collection/chargeoff in the amount of {$5600.00} on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account needs to report a {$0.00} balance and be closed. It is being reported twice and this is a violation of the Fair Credit Reporting Act. This false reporting of a collection/chargeoff is seriously harming my XXXX XXXX and this line item needs to be updated to report {$0.00} balance or removed. I have contacted the bureau to remove this however, I have not been successful.
Consumer complaint received 2020-04-08
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. (CO)

Equifax is incorrectly reporting an account where I am shown as an Authorized User on XXXX  CARD - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. XXXX  has removed this line item from my credit report. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this issue however, I have not been successful.
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hello, There is a Bankruptcy on my credit report that isn't mine. I believe it's fraud. I've disputed this item multiple times and they haven't removed. Per the 609 section & regulation they need to send me a copy of my signature and the originial contract. I haven't received the person they talked to or anything. I need this removed asap. The case number is XXXX. This was filed with the XXXXXXXX XXXX XXXX XXXX. I wrote a letter to the court asking them to send me something in writing saying the did not report to the C/B, I have that as well.
Consumer complaint received 2020-04-08
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. (GA)

XXXX XXXX XXXX XXXX XXXX should not be reporting to XXXX and Experian a collection/chargeoff in the amount of {$3400.00} on THE XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) On XXXX I provided the apartment manager a formal written notice, signed by a notary, that I would be vacating the premises and terminating my lease that was ending on XXXX. This notice was provided within the ( 60 ) day time period outlined in my lease. I have attached a copy of the written notice which was notarized for reference. This account is not in collections, there is no outstanding debt owed. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted The XXXX Apartments, as well as the bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-01-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

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 also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-04-08
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. (GA)

XXXX XXXX XXXX XXXX XXXX should not be reporting to Equifax and XXXXXXXX a collection/chargeoff in the amount of {$3400.00} on THE XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) On XXXX I provided the apartment manager a formal written notice, signed by a notary, that I would be vacating the premises and terminating my lease that was ending on XXXX. This notice was provided within the ( 60 ) day time period outlined in my lease. I have attached a copy of the written notice which was notarized for reference. This account is not in collections, there is no outstanding debt owed. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted The XXXX Apartments, as well as the bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-02-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

I hade a credit card with best buy and its threw Citi bank. There was a charge on XX/XX/XXXX for the amount of XXXX. I did not make the transaction because I lost my wallet at the time. it was an online purchase and shipped to the address I live in before. i did not make this transaction and after i spoke to them they did give me a credit for the full amount and after they investigated said that i was going to pay for the charges i asked i did not make it and what can i do to prove that i did not they said they can tell me what to do they said that they will open it again and see what they can do they send me a letter saying that they did the investigation and im at fault for the charges. called again and they said that i can send them a bank statement for the amount threw fax id di comply and they said that they did not receive it and will not open the investigation unit they do. they said give it will Monday XX/XX/XXXX to see if they do get it if not they will look at other options
Consumer complaint received 2020-04-08
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 am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2020-04-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (CA)

The phone bill was put into my name through a change of liability. I cancelled service & had to pay a cancellation fee. In order to be considered for a job at a financial institution all of my debts had to be paid. I paid the cancellation fee with XXXX in XXXX & had it removed from my credit report. Recently in XXXX of XXXX the derogatory remark popped back up on my credit report from a new debt collection company attempting to collect on XXXX behalf.
Consumer complaint received 2020-04-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: REGIONS FINANCIAL CORPORATION (MO)

On Friday XX/XX/2020 My checking account had a positive balance of about XXXX or more. Then when I checked it at XXXX Saturday it showed negative $ XXXX Saturday XX/XX/XXXX I made a XXXX XXXX deposit and on Sunday XX/XX/XXXX Deposits in cash that were readily available that day for XXXX, and XXXX and at the beginning of Monday when the bank opened XX/XX/XXXX My account was in good standing. Regions did not pay these items so why is it they can charge me XXXX for 3 items when no money ever left my account. They say the items were returned.Returned? The bank had to do nothing. The bank did not send or handle any payments. They simply put those items in red and attached a XXXX XXXX fee to all 3. 

They reorded the transactions and took the highest one being XXXX from my balance of XXXX XXXX or XXXX something and that started the overdraft, then they went and add the smaller ones to add 2 more fees bringing to XXXX. 

If they would have used my balance to cover the 2 small items then i would have only 1 overdraft fee,. But greed seems to be the focus and 1 overdraft was not good enough they wanted all 3 so they took the largest debit first. 

I called and spoke to the rudest supervisor ( the calls are recorded ) I explained to her that I am on a stay home order and have not been able to make my usual XXXX while im down to 2 days a week. My expenses for XXXX left me with XXXX after they were paid and my rent was now due for XXXX. So that left me with XXXX til I got more work, Luckily I was able to email my customers and they prepaid me for future work so I could pay my bils and have some extra to live on til I can get back to work full time. This is an order from the president and I have no choice. But the Supervisor did not care. {$100.00} will feed me3 and put gas in the car to get to any work that may come in. 
This is what regions does and if you look on the FTCs website Regions has a 1 stqar rating but they don't care because they have billions in our money they take for NSF and overdraft fees. They are preditory in that they know who to take money from and they know they will get away with it. I want my money back.I need that money to live on. We may be on a stay at home order for a while and i will most likely have more NSF because of it. I did manage to get my pmts deferred for my auto loan and credit cards but regions wont let go of a chance to collect those profit NSF fees. This bank is a 1 star bank. and its because they treat the people who made them what they are like a piece of dirt,. They enjoy taking these fees and they laugh at us when we make thees complaints because they know they will win in the end. 

I want this XXXX returned. I have a 90 % loss in income and cant get any help from sba. they have not paid us a dime. REGIONS DID NOT LOSE ANYTHING .THEY DID NOT PAY ANYTHING FOR ME ALL THEY DID WAS RE ORDER THE DEBITS TO MAKE ME GO NSF 3 TIMES.
Consumer complaint received 2020-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (FL)

I have been trying to get help with both my Citi Card accounts. Our income has been affected by the COVID-19 virus, all I am getting is the run around. Hours spent trying to get help. I have 2 Citi cards accounts ending in XXXX and XXXX.
Consumer complaint received 2020-04-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: M.A.R.S., Inc. (KS)

XXXX XXXX XXXX refused to fix water damage from the above apartment. It was leaking into our bathroom and the maintenance refused to come back out to fix the issue and then hung up on me and my boyfriend. The property manger then called my phone and said that we either had to move out of the apartment or they would evict us. This all occurred during the very short period of time that we lived there which was from XX/XX/2018 until around XX/XX/XXXX or XXXX, 2018. They were slumlords and we basically complained too much. We have attempted to reach out to them to send us documentation of these charges for the debt which is inaccurate. They illegally put us out of the apartment knowing that I had to small children and just relocated from XXXX, XXXX to move to XXXX, XXXX where I have no family. XXXX XXXX is no longer owned by XXXX XXXX but whenever you call XXXX XXXX  leading office, you get the run around as far as who the new owner is. I have attempted to contact a lawyer but they stated they could not help me unless emery gardens takes us to court, which they never will because we would most likely win with all of the photos and videos of the property from day one. I never received documentation from XXXX XXXX regarding this debt. You can not put false charges on peoples credit report and get away with it because we were vulnerable at that time and I had to find another place for me and my children to live, otherwise, we wouldve been homeless.
Consumer complaint received 2020-04-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was going through financial hardship momentarily & contacted the credit card company to work out a payment plan and an extension. The extension was not granted and at the time I didnt know who to contact for help getting an extension or disputing the unfair judgment against me.
Consumer complaint received 2020-04-08
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. (WI)

I filed for chapter XXXX bankruptcy and then converted my chapter XXXX case to a chapter XXXX, which was approved and discharged by the Bankruptcy Court and all debts owing were discharged effective XX/XX/2015. XXXX XXXX XXXX continues to report to all three credit bureaus that my payments are late for the auto loan debt that I had with them. This auto loan debt was discharged on XX/XX/2015. XXXX XXXX XXXX and Experian chooses not to report this correctly. I am part of the class action lawsuit against Experian who chooses not to update my credit report correctly either. XXXX XXXX XXXX has repeatedly refuses to report my discharged debt properly is in violation of the bankruptcy discharge injunction prohibiting them from trying to collect on discharged debts. I have disputed this debt over six times directly on all three credit reporting agencies of the misreporting, and XXXX XXXX XXXX refuses to fix the error.
Consumer complaint received 2019-12-31
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Onity Group Inc. (CA)

I paid my payment on time and was sent threatening statement saying it was late, payment plus next payment plus late fee owed. I have proof it was paid. I am XXXX years old and this is my home. I am afraid this company took over from prior servicer and will try to foreclose on me. This is PHH.
Consumer complaint received 2023-02-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (GA)

I just got a copy of the Modification that XXXX sent to Selene that Selene then rejected, and their Rejection comments XXXX ) XXXX had the Modification from XX/XX/XXXX till they sold the loan in XXXX why didn't XXXX  contact me and tell me they need to correct the Modification that I had sent back? 

XXXX ) Why did it take so long for XXXX to find and then reject this modification having had it since some time in XXXX and not finding it till XXXX XXXX ) Selene still has still not done an accounting and dumped all the money due under the Cares Act back on to the me from the loan burying me deeper into dept. 

XXXX ) I have applied for a HAF Loan with Georgia explaining to them the urgency of the situation with a pending Foreclosure of XX/XX/XXXX date
Consumer complaint received 2023-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (CA)

ESPERIAN  XXXX XXXX It has recently come to my attention that the IRS, & the SSA, and the federal courts have willfully been making Injurious " presumptions '' which prejudice my Constitutional rights by trying to associate me with the " idem sonans '', which is the all caps version of my XXXX name which is in fact a trust previnusly associated with a " public office '' in the United States government by virtue of the Social Security Number attached to it. Further information is to help clear up any presumptions and set the record straight. 

Use of Trade Name Material Name : Under Protest and duress {$25000.00} ANY DOCUMENT PRODUCED BY ME ; {$10000.00} TRESSPASS/FAILURE TO ACT 1.FAILURE TO HONOR XXXX GIVEN RIGHTS {$20000.00} 2.SILENCE/DISHONOR/DEFAULT {$5000.00} 3.FAILURE HONOR/NO BOND {$5000.00} 4.USE OF STREET ADDRESS {$5000.00} 5.FAILURE TO FOLLOW FEDERAL AND / OR STATE STATUES, CODES, RULES OR 6.REGULATIONS {$50000.00} 7.FAILURE TO PRESENT A INJURED PARTY {$100000.00} 8.FRAUD PER OCCURRENCE AND INCLUDES ANY 3RD PARTY {>= $1,000,000} 9.DISHONOR IN COMMERCE PER OCCURRENCE AND INCLUDES 3RD PARTY DEFENDANT {>= $1,000,000} 10.ATTEMPED EXTORTION OF FUNDS FROM BIRTH CERTIFICATES ACCOUNTS, SSN ACCOUNTS OR OTHER ASSOCIATED ACCOUNTS BY FRAUD DECEPTION, FORGERY BY ANY AGENT ENTITY OR CORPORATION PER COUNT OR CHARGE. {>= $1,000,000} Without Prejudice, UCC 1-308, 305 [ acceleration ] ; 104, 107 ; 3-419, 603/3-311, 109, 302, 306 ; 10-104 ; HJR 192 Treatment of credit balances. 15 U.S. Code 1666e ; 15 U.S. Code 1666 ; 15 U.S. Code 1666d ; 15 USC 1662b ; 18 U.S.C 1951 ; 31 U.S.C. 3701 ( d ) ; 31 U.S.C. 3716 ( h ) ; 42 U.S.C. 407 ; 42 U.S.C. 1383 ( d ) ( 1 ) ; 31 U.S.C. 3716 ( c ) ( 3 ) ( B )
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (KS)

XXXX XXXX XXXX - mortgage account- too old to be on report ive tried to get it removed XXXX - XXXX and experian first went delinquent in XXXX  - cant stay on XXXX after opened was paid in full due to insurance coverage