davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MD)

I called Equifax Credit Bureau on XX/XX/2021. I told them that I had logged into XXXX XXXX and gotten my credit report. I told them that disputes for my personal information, collection accounts and inquiries. The customer service representative took care of the personal information. Then I told her that under the FCRA that the collections were showing open accounts and I wanted them disputed because collection accounts are not supposed to be reported as " Open ''. The representative said that there were 2 collections not 12 that I had pulled from the credit report with XXXX XXXX right before I called Equifax. I asked are you positive because I just pulled this report right before I called you. Again she said well there are only 2, so I disputed them both. Then we went in inquiries and I told her that I wanted to dispute the inquiries and I was told that at the current time Equifax was not taking disputes on inquiries. I could contact the inquiring company and dispute it with them and they can make the change but that Equifax was not accepting any disputes regarding inquiries unless I had a police report showing that I had been a victim of fraud. I told the representative I felt that this was not legal because the law says they can only report accurate information and with those inquiries the information was inaccurate. Again she repeated for me that Equifax is not currently accepting Inquiry Disputes unless I have been a victim of fraud but I could dispute it directly with the inquiring company. 

The big 3 credit bureaus in this country control our lives. They can make you or break you. They need to be taken out by the CFPB for the things they they do.
Consumer complaint received 2019-11-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2021-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

The credit Bureaus are reporting my auto loan with XXXX XXXX 30 days late for the month of XXXX. I have a letter from XXXX XXXX that states I have never paid 30 days late. This is hurting my credit score and the Bureaus refuse to correct even with supporting documentation. PLEASE HELP!!!!!
Consumer complaint received 2021-09-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC (CA)

I XXXX XXXX XXXX XXXX did not consent to, authorize nor benefit from the following account. Block and remove it. The address is different from my physical address. As a consumer my rights are being violated, my reputation has been ruined. Which has impacted my credit in which has impediment me from providing for myself and my family. It has caused me XXXX XXXX that has hindered me and my family from progressing forward in our lives. They violated Federal Law with 15 USC 1692b ( 5 ), 15 USC 1692b ( 2 ) and 15 USC 1681a ( 4 ) 1692d ( 1 ) 1692b ( 2 ) 1692d ( 5 ) 1692c ( c ) 1692g
Consumer complaint received 2019-12-12
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SLM CORPORATION (CA)

The debt account manager at Sallie Mae, name XXXX XXXX Number XXXX has contacted two of my relatives about my debt seeking to get in touch with me. She contacted my mother and father on XX/XX/19, at two separate numbers. I called her on XX/XX/19 to inform her that they are not on my account and since she has my phone number and address she should not be contacting them. She also lied and stated that they are listed as my contacts on my loan application when they are not. I let her know that I had enrolled in a debt assistance program and that they will be contacting her to pay my debt. She informed me that the company is not allowed to communicate with my debt collection account ( another lie ) and threatened that the attempts to reach me and collect my debt through any and all means would continue until I paid my debt.
Consumer complaint received 2022-05-14
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: EQUIFAX, INC. (TX)

this was not sent in error i am a consumer by law and my informaton was misused and now i have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report.
Consumer complaint received 2021-09-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Syncapay, Inc (IL)

I use prepaiddigitalsolutions.com as a way to save my income from a few investments that I have online and a few days in the date of XX/XX/2021 I found that my account was CLOSED with money inside and without any further warning or email explaining the reason was my account closed and I took the action to contact the customer service about this issue happened and they explain to me that my account was closed because some of the tokens that I redeemed in the website ( token is a code that you receive from rewards websites with an amount of $ inside and this is loaded into a virtual prepaid debit card ) was obtained in a fraudulent way and they can't do anything in this case, after this call which I want to mention that I never received any confirmation in my email about the status of my account I lose access to my account because the support change my personal security question without my knowledge and in this point, they close my account with this amount inside : {$6700.00} because a few tokens were obtained in a fraud way but they never told me WHICH tokens were obtained in an illegal way and delete from my account or any way to recover the fund that they think " was properly obtained in a legal manner ''. this situation is ongoing since XXXX XXXX of this year. I want to talk about the situation on XXXX XXXX that I've talked with the customer service several times and also talked with a supervisor called XXXX and they change the EMAIL attached to mine account and changed several times the security question to denied the access to my account. also, they never inform me about the changes in the email of my account and the security question.
Consumer complaint received 2021-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

The credit Bureaus are reporting my auto loan with XXXX XXXX 30 days late for the month of XXXX. I have a letter from XXXX XXXX that states I have never paid 30 days late. This is hurting my credit score and the Bureaus refuse to correct even with supporting documentation. PLEASE HELP!!!!!
Consumer complaint received 2019-12-12
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. (CA)

THE ACCOUNTS DISPUTED DOES NOT BELONG TO ME. THOSE ACCOUNTS ARE INACCURATELY PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE AND I WOULD LIKE THOSE DEROGATORY ACCOUNTS TO BE REMOVED IMMEDIATELY. THOSE ACCOUNTS HAVE TARNISHED MY CREDIT AND BECAUSE OF THIS IT IS HARD TO ACQUIRE NEW CREDIT OR APPLY FOR A LOAN. THOSE ACCOUNTS HAVE CAUSED TREMENDOUS DAMAGE AND I WANT THOSE ACCOUNTS TO BE PURGED OFF MY CREDIT.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I called all 3 reporting agencies TransUnion, XXXX and XXXX!! 
I told them I lost my wallet and sent Police reports!!! 
They have not removed XXXX XXXX from the account and history!! 
Creditors respond to me, Stated that they see XXXX XXXX name on all 3 major credit reporting agencies, credit report even while they telling me they are not there!!!! 
This is unfair to tell me deceiving lies and destroy my credit report when I have sent the police report to all 3 reporting agencies!!!! 
Proof of unauthorized use and I lost my wallet and not one of these banks closed the account and issued me an another card with my refund Stated by FDIC LAWS
Consumer complaint received 2021-09-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

In XXXX Ocwen tried to foreclose so I filled out a modification and it went through so I made payments but they failed it. Then in XXXX I filled out another modification according to Ocwen, it got approved and I made 6 payments. They then failed that modification and put me back in foreclosure. Once again in XXXX I filled out another modification with Ocwen and made 3 payments, then they failed that modification. I believe this was a scam because the payment went from $ XXXX $ XXXX $ XXXX {$3500.00}. Now that I've been in foreclosure they have been charging me {$3500.00} a month on paper. I have been in foreclosure since XXXX, my first lawyer had it for 10 months and then quit. My second lawyer had it for 10 months then quit. Now I feel very vulnerable and I need help, they are still trying to fraudulently foreclose. I feel they have misinformed and misguided me into foreclosure. I have done everything they have asked and they still put me in foreclosure. My lawyer has now filed a complaint to put them on hold but he also has quit. The mortgage servicing companies involved are Ocwen, PHH, and XXXX, they kept changing which company dealt with the mortgage to further confuse me. Those companies are all owned by the same parent company.
Consumer complaint received 2021-09-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK (CA)

I XXXX XXXX XXXX XXXX did not consent to, authorize nor benefit from the following account. Block and remove it. The address is different from my physical address. As a consumer my rights are being violated, my reputation has been ruined. Which has impacted my credit in which has impediment me from providing for myself and my family. It has caused me emotional trauma that has hindered me and my family from progressing forward in our lives. They violated Federal Law with 15 USC 1692b ( 5 ), 15 USC 1692b ( 2 ) and 15 USC 1681a ( 4 ) 1692d ( 1 ) 1692b ( 2 ) 1692d ( 5 ) 1692c ( c ) 1692g
Consumer complaint received 2023-01-19
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I called TransUnion after I purchased a credit report with XXXX on XX/XX/23. After receiving a copy of my report, I saw this UNVERIFIABLE item on my personal profile, I noticed that there was an Account on my credit report which is misleading to me. I sent a letter to TransUnion on XX/XX/23. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX and hope that this account will be corrected. 


XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2021-09-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (GA)

My identity was stolen and apparently I owe this company {$18000.00} for XXXX. I am extremely upset and do not want this to damage my credit. Whoever stole my identity also tried to open accounts and get XXXX XXXX in my name. Luckily I caught it soon enough and froze my credit. I need to know the next steps & have this debt erased please
Consumer complaint received 2021-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Transunion has not sent my report because they say they need proof of address. However, I have not moved since I mailed my proof of address along with my request to XXXX XXXX XXXX for my credit report in the first week of XX/XX/2021. 

XXXX and XXXX didn't seem to have an issue sending my reports in response to my written request. 

Additionally, Transunion didn't seem to have an issue with sending my report in response to an adverse action taken in XX/XX/2021. I haven't moved since XX/XX/2021 either. 

See attached postcard from Transunion stating they needed proof of address as well as the first page of the credit report Transunion sent in XX/XX/2021.
Consumer complaint received 2019-12-12
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. (FL)

I checked my credit report ( # XXXX ) and saw incorrect addresses i never lived at. I tried disputing the address but a message stated I can not process a dispute online. The addresses that do not belong to me are because I Never lived there are : 1 ) Address ID Number : XXXX for XXXX XXXX XXXX XXXX XXXX, FL XXXX. This Address was reported to XXXX  by XXXX XXXX and this account is currently under dispute for incorrect information and 2 ) Address ID Number : XXXX for XXXX XXXX XXXX XXXX, FL XXXX. 

There are also incorrect versions of my name that need to be deleted : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. I have attached my ID to verify the spelling of my first, middle and last name. My current address is XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX but I have not gotten my Drivers License updated as of yet.
Consumer complaint received 2021-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO. (OR)

On XX/XX/XXXX I was fraudulently charged for {$140.00} from the company XXXX. That same evening I received a XXXX code on my phone in the middle of the night which I thought was strange but I didn't think about it again until I saw this charge. Once I noticed the charge on my account ( XX/XX/XXXX ), I contacted my credit card company and they removed the charge and started the investigation. They let me know that the purchase was for XXXX baby carriers and I let them know that I have XXXX XXXX XXXX twins and that I have no need to purchase 2 baby carriers. I also told them about receiving the strange XXXX code in the middle of the night. 

I received a notice on XX/XX/XXXX that they completed their investigation and I was held liable for the charges. I was surprised as the fraud investigator NEVER contacted me as part of this " investigation '' process. I appealed it and was sent another letter on XX/XX/XXXX stating that I was still found liable. I asked on what grounds and they told me I could request a copy of the " investigation '' paperwork. I requested it and it clearly showed someone used an email similar to mine but they changed the last letter to a number ( an " n '' to the number 5 ). I called back and reported this as it was clear to me that someone did a good job of making it look like I made this purchase that I absolutely did not make. The purchase was also made from XXXX, WA and I was in XXXX, OR on the date the purchase was made. 

It was not difficult for me to see that this investigation should have concluded in my favor so I called and appealed again and told them the above information. Just today I received a third notice that they were not removing the charge from my account. I am done dealing with them directly and am requesting assistance in resolving this issue.
Consumer complaint received 2021-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (VA)

XXXX I tried to apply for a loan at my local bank and they notified me that my credit report was perfect except for a card that was taken out in XXXX of 2021. It is from Citi cards CBNA and was charged {$1600.00} in XXXX of this year. The card never had a payment made and is in deliquency. 

I did not apply for or receive that card. 

XXXX XXXX I tried to log on to Citi cards using my social security number saying I forgot my account number. I was trying to get information about the card. Citi website said " that social security number does not match anyone in our accounts '' I contacted Citi on XXXX at XXXX XXXX  and spoke to XXXX who then transferred me to XXXX. I explained the situation to her and she said because the card is not actually mine they can not give me any information about it. I pressed her because they say it is mine and she gave a few details as she questioned me. 

The card was opened in Ohio. I have never lived in that State. 
They used an old 15-year-old inactive phone number. 
The account has the wrong SS number. 

Wrong address, wrong phone number, wrong email, wrong SS number. and yet Citi approved the card. 

I asked how Citi could open an account with so many errors on it and she said " I can not comment on that sir '' I want it taken off of my credit report and they said it will be investigated and they will call me. It has been a week and no one has called and when I call the number they gave me it basically says we will call you. 

No one has contacted me. 

I want this taken off my credit report.
Consumer complaint received 2021-09-30
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: SYNCHRONY FINANCIAL (CA)

I did a Purchase in Amazon using its credit Card provided by Synchrony Bank on XX/XX/2021 for the amount of {$750.00}. I returned this Item with ORDER # XXXX and XXXX  Trucking Number XXXX showing returned on XX/XX/2021. Amazon Website also shows the Item been returned as XX/XX/2021 Also it shows a 'REFUND FOR XXXX '' ( I'm attaching the Tracking number information been delivered on XX/XX/2021 and the Amazon web page showing the Item returned and the Refund for {$750.00} ). 
Last Saturday XX/XX/2021 I received an email from Synchrony Bank stating I still owe them the amount of $ XXXX called the bank and I escalated with a Supervisor name XXXX who added the information I'm placing in this inquired as well I provided her the Refund Transaction ID Code XXXX date XX/XX/2021 XXXX ( PST ). 

I would like to have The CFPB make this bank to credit the amount of {$750.00} in the Account I have with them according with the Proof I'm submitting along with my Inquire against Synchrony Bank. 
Thank You XXXX XXXX
Consumer complaint received 2019-12-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Helvey & Associates, Inc., Warsaw, IN Branch (WV)

XXXX report response indicated it is not collection company but is listed on credit report as : Helvey and Associates ( for XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, IN XXXX Call number XXXX If this is not a collection can this please be removed from credit file.
Consumer complaint received 2022-08-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (IN)

I checked my credit report and found a bill reported written off by Credence Resource Mana on XX/XX/22 in the amount of {$120.00}. I had no knowledge of this bill. I tried talking to the company ( XXXX ), on XX/XX/22. Was told I needed to give them my credit card number to be charged {$120.00}. I had no knowledge of owning any company any money. No bill, no emails, or phone calls. I refund to give them the money and they got very hostile to me.
Consumer complaint received 2021-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (UT)

I have noticed that I have been charged late fees even though I make my credit card payments on the same day it's due and before it's midnight in my region ( Mountain Time ) It seems that the bank has taken advantage of me and charged late fees to the tune of {$170.00} for this year alone. 

Only one of these fees was reversed recently and not the rest
Consumer complaint received 2021-09-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (AZ)

XX/XX/XXXX, I mailed a certified letter to Midland Funding, LLC, requesting debt validation for a collection reporting on my credit report they allege that I owe. I disputed this thru the credit agencies ( XXXX, XXXX and XXXX ), several times and they advised the account was verified. I then emailed the bureaus to request their method of verification and to provide the proof. It has never been provided. 

Midland Funding advised the credit agencies above that the debt is verified. So why have they not responded to me yet with the requested information for debt validation? And, they are continuing to report it on my credit report. This is a violation of my consumer rights- both my FCRA and FDCPA rights ( failing to validate a debt at my request and continuing to report a disputed debt ). They have not responded as of XX/XX/XXXX. 

Initially, when I began disputing the account, the balance reported was {$1500.00}, now it's {$1500.00}. Between, XXXX and XXXX, it went from {$1500.00} to {$1500.00} to XXXX ( which is the high credit ) and now it says {$1500.00}. How did the balance change? How can the balance be more than the high credit- this is inaccurate reporting. The law states that the data must be entirely accurate or it must be removed. 

Beyond all the reasons above of this alleged collection.. the following are inaccurate, misleading and being reported a multitude of ways which is also a violation... 

They are reporting Number of months terms to XXXX. 
The last date active is reporting differently for all three credit agencies. 
The payment history is reporting current with XXXX and collection with XXXX and nothing reporting with XXXX. 

How much more needs to be inaccurate for me to be taken seriously and these to be removed? 
This is damaging my character and causing me to be denied from obtaining credit.
Consumer complaint received 2021-09-30
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. (NC)

I HAVE BEEN TRYING FOR TWO YEARS SINCE EQUIFAX HAD THEIR FILES STOLEN TO GET MY NAME CORRECTED AND THREE ITEMS REMOVED FROM MY CREDIT REPORT WITH NO AVAIL.SO THIS IS THE SECOND COMPLIANT THAT I HAVE FILED WITH CFPB, THEY JUST LIE AND IGNORE.