davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PLAZA HOME MORTGAGE, INC. (GA)

Plaza Home Mortgage just caused my credit score to drop over 60 points again in one day by reporting false late payments to the credit bureaus when they are aware of the legal agreement that I have to not have reported me late while I was under forbearance. This company made a legal agreement with me to not report me late to the credit bureaus while I was under forbearance. Not only did this company falsely report me late to the credit bureaus while I was under forbearance despite our legal agreement to report me they keep changing the dates that they report me late causing my credit score to keep dropping 60 to 100 points every time that I raise my credit score. Under the Cares Act by law this company is not to report homeowners late while under a forbearance agreement, however, they continue to break the law. I have tried multiple times to resolve this matter and they have ignored my requests and instead keeping moving around the dates that they are reporting me late when they are aware of our legal agreement to not have reported me late while I was under forbearance.
Consumer complaint received 2020-01-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (AZ)

On the morning of XX/XX/2020 i got onto the Wells Fargo website to research how to close my account. The FAQ 's on their website said to : " Step 1 : Prepare your account for closure : Your account must have a positive or zero balance. 
All deposits, outstanding and pending items must be posted. 

Step 2 : Contact us to close your account : Call us at XXXX Or visit a Wells Fargo near you. 
If outside of the U.S., complete the Account Closure or Partial Withdrawal Request form and send it to us by mail. '' I did an online banking internal transfer from my Wells Fargo checking account to my Wells Fargo savings account leaving my checking at a {$0.00} balance. I then transferred my Wells Fargo savings balance to my Wells Fargo VISA leaving my savings account at a {$0.00} balance. I had no other pending transaction on the account. I had completed step 1. 

I then called the number listed and was informed I had to wait to close my account because of the pending internal transfers on my account. I could try to call tomorrow to close the account. i wasn't even given an exact date of when I could close my account. 

Nowhere in the account agreement or the online FAQ 's was this specified. An internal transfer should not hold me up from closing my account. I believe this is yet another Wells Fargo internal practice to collect any potential NSF or Returned Item fees if anything tries to clear my account. Although I know for certain I won't have anything clearing, I still felt the need to report this shady and unnecessary money grab by Wells Fargo to protect other consumers. Having worked in financial institutions for over 17 years, this practice is unethical and wrong.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (CA)

I attempted to use the link to pay anyone from the chime card at the time I did not know that the person you are sending the money to also has to be a Chime member on XX/XX/year>. I sent my brother-in-law {XXXX} from my account not knowing he is not a chime member, and now the money is gone and he never received it and it was taking out of my account now Chaim is refusing to return that money as they said he got it and he said he did not but the money is missing.
Consumer complaint received 2021-06-09
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)

Hello, I am sending this over because there are fraudulent accounts on my credit report. These accounts do not belong to me ; therefore, they should not be on my file. Attached you will find a copy of the claim from the Federal Trade Commission along with a copy of my license. Please remove these accounts as soon as possible. Pursuant to 15 USC 1681 c-2 subsection ( a ) you have 4 business days to block this information from my file. This request was NOT made in error. I, XXXX XXXX - XXXX XXXX, did not give your credit reporting agency written instructions to include this fraudulent information in my consumer report. Which is in violation of 15 USC 1681b- ( a ) ( 2 ). I am a victim of identity theft and did not open said accounts on the word document provided below. I ask that all items provided on the document attached be deleted to correct my credit report so I can finally get approved for a car loan. Please note that I am submitting this request on behalf of myself. No third party is involved.
Consumer complaint received 2018-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: SELECT PORTFOLIO SERVICING, INC. (WA)

Select Portfolio Servicing bought my mortgage from XXXX, which was the Mortgage holder at the time. It was a couple years after I filed chapter XXXX bankruptcy. I did not include my home in the bankruptcy and submitted the courts documentation, the same documentation I am uploading here, showing that it was not included. I am not sure how many years ago that was. They continued to report it as part of the bankruptcy. It has now been 10 years after the filing, and it has fallen off my record per Federal Law. They are still reporting the house was part of a bankruptcy. I tried to get a loan, and Select Portfolio told them either on the phone and/or submitted documentation to the loan agent, telling them that the home was part of a bankruptcy. I am FED UP of this misrepresentation and now they are not only misrepresenting me still, they refuse to change it and they are messing with my future..
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (CA)

Per the Fair Credit Reporting Agency as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given written, unwritten, verbal and non verbal Per 15 USC 6802. Per the Privacy Act of XXXX  no agency shall disclose any record which is contained in a system of records by any means of communication to any person, other than to another agency, except pursuant to a written request, by or with the prior written consent of, the individual to whom the record pertains 5 USC 552 a ( b ). According to 15 USC Code 1681b Permissible purposes of consumer reports they need written consent to add anything to your consumer report this is a violation of the Fair Credit Reporting Act. 15 USC code 1681a reporting transaction history is illegal. 12 CFR 1016.1 Purpose and scope provides a method for consumers to prevent financial institutions from disclosing information to affiliated third parties by opting out of that disclosure. I have the right to make sure my private information is not shared which is backed by 15 USC 6801. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of customers non public information. XXXX, XXXX, XXXX XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out of your reporting services. I am not opting out of your reporting services.
Consumer complaint received 2022-05-04
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. (GA)

The XXXX XXXX Account is showing inaccurate on the amount due on 2 bureaus, XXXX reflects a balance of {$200000.00}. Experian reflects a different balance of {$200000.00}. XXXX reflects a balance of {$200000.00}. 
This account also shows that a foreclosure was initiated in XX/XX/2021, that is also inaccurate. The balance was paid in full on XX/XX/2021 so it should not be reporting a foreclosure being initiated in XXXX. This account also shows late payments that are different on all bureaus. This XXXX account also shows different payment amounts as well on all bureaus.The inaccuracies from the XXXX account effects my credit report, score and DTI ratio. I have attached documents for review
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

The XXXX XXXX Account is showing inaccurate on the amount due on 2 bureaus, XXXX reflects a balance of {$200000.00}. XXXX reflects a different balance of {$200000.00}. Equifax reflects a balance of {$200000.00}. 
This account also shows that a foreclosure was initiated in XX/XX/2021, that is also inaccurate. The balance was paid in full on XX/XX/2021 so it should not be reporting a foreclosure being initiated in XXXX. This account also shows late payments that are different on all bureaus. This XXXX account also shows different payment amounts as well on all bureaus.The inaccuracies from the XXXX account effects my credit report, score and XXXX ratio. I have attached documents for review
Consumer complaint received 2018-10-16
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: Arbor Professional Solutions, Inc. (AZ)

I filed investigation for collection account on my XXXX report for Arbor Professional Solutions. The collection agency failed to respond within 30 days of me requesting validation of the debt. I requested name and address of the original creditor, documentation obtained from the creditor proving that I have a legal obligation to pay, and all notices required by law. The collection agency failed to furnish this information. XXXX failed to remove this information from my credit report when I requested and provided proof the collection agency failed to follow the law.
Consumer complaint received 2019-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

My XXXX XXXX was current before I was in XXXX. However, when I was in XXXX my XXXX XXXX case was closed. I was not receiving income. How I am ordered to pay XXXX XXXX why I am in XXXX? Missouri XXXX XXXX XXXX was fully aware of this. I was not responsible for paying XXXX XXXX why I was in XXXX
Consumer complaint received 2020-01-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (OH)

The issues I have had ongoing are with synchrony financial bank. I had 3 credit cards with their company, inXX/XX/XXXX I was part of the XXXX  data breach. All of my credit cards and bank accounts were affected more than once. Prior to this I had perfect credit. All three of my synchrony credit cards were maxed out. The first time, the company helped me, I had the new cards ( account numbers never changed just the credit card numbers ) for 1-2 weeks and they were maxed out again, from places like Florida and Arizona. I live in Ohio. I disputed the charges and they denied them. I was then sued for all three accounts and was never notified of the court dates, so the ruling was To their favor I was only made aware of that when I received the court paper work in the mail. One card was for {$8800.00}, the. {$2600.00}, lastly, {$2500.00}. I spent countless hours on the phone with their support staff, explaining my situation, that I submitted 2 police reports ( one in ohio and one in Florida ) for the fraud and that I never lived or travelled to the states the charges were made from. I was told that since it happened so quickly after the first time, that this was the reason they were not going to help me. I was floored, I had always been a good customer and maxing our my credit cards was never a trend. It has destroyed my credit, precluded me from employment and I have judgements against me now as well. I get threatening letters in the mail. I can not pay these charges, Im a stay at home mom. I never benefited from the use of my cards and its been a nightmare. I just want them off my credit report. I can not help that my credit information was hacked and is all over the dark web. Im a victim not someone who just didnt want to pay my bills.
Consumer complaint received 2018-04-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (TX)

I keep receiving phone calls and notices that I owe a debt from Phoenix Financial Services for the date of XX/XX/XXXX and XX/XX/XXXX for the amount of $ 900.00+.from a doctor at XXXX XXXX XXXX XXXX TX . I called the hospital who had no info, but said it would have come from XXXX XXXX, they gave me the number to call XXXX. I called and that number and spoke to someone there that said my balance was XXXX. That my insurance had paid and that I did not owe any money. My balance was XXXX. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX DOB XX/XX/XXXX.
Consumer complaint received 2018-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Neon Newco Corporation (DC)

Hi. I was suppose to receive my DD on XX/XX/XXXX & never receive it. I call multipolar times & they are giving me diffrent answer. Im a XXXX so I cant even purchase my medecine.
Consumer complaint received 2022-05-04
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: Santander Consumer USA Holdings Inc. (FL)

In accordance with the fair credit reporting act XXXX Accounts # XXXX and # XXXX. have violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on an account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-10-16
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ZARVAD III S.A. (LA)

I TOOK OUT A LOAN WITH MYPAYDAYLOAN.COM AND THEN I GOT IN A WORK RELATED INCIDENT AND WENT ON SHORT TERM XXXX. I TRIED PAYING THEM AND COULDN'T ANY LONGER. THEY IN TERN ADVISED ME BY EMAIL THAT THEY WERE TURNING THE ACCOUNT OVER TO AN OUTSIDE COLLECTION AGENCY CALL XXXX XXXX XXXX. THEIR NUMBER IS XXXX. THEY HAVE NEVER TRIED CALLING ME BUT THEN I STARTED GETTING CALLS TWO WEEKS AGO FROM A XXXX XXXX XXXX EXT XXXX FROM A SO CALLED XXXX XXXX XXXX. THEN ANOTHER PERSON SOUNDING VERY MUCH LIKE XXXX XXXX THIS TIME NAMED XXXX XXXX. THEIR FILE NUMBER WAS FOR XXXX. THIS TIME HE GAVE ME A DIFFERENT TELEPHONE NUMBER OF XXXX EXT XXXX AND THEN I GET ANOTHER PHONE CALL FROM ANOTHER DIFFERENT NUMBER XXXX. I DID SOME RESEARCH AND ALL THESE NUMBER RING BACK TO XXXX XXXX XXXX. XXXX XXXX XXXX IS SUPPOSSEDLY LOCATED AT XXXX XXXX XXXX XXXX XXXX, NY XXXX AND XXXX XXXX XXXX IS LOCATED AT XXXX XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

I have been in a deep XXXX since doing an investigation into my credit report. My findings of many, many errors and inaccuracies is incredibly never wracking to me, especially since the agencies have a responsibility to make sure that what they are reporting is accurate and true and in this case it is not. This information has effected my work life, I was so depressed I had to take time off, so I need this fixed and corrected quickly.
Consumer complaint received 2022-02-08
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: EQUIFAX, INC. (NY)

hello my name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. this is horribly impacting my life tremendously.
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ATG Credit, LLC (IL)

XXXX is reporting a 100.00 dollar missed payment from 2019 when i wasnt in hostpiral for anything then and i had medicare then which would of payed bill so how can they say i missed 100 dollar payment
Consumer complaint received 2020-01-31
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (AZ)

My husband and I attempted to save the account as soon as we realized what was going on. We used the app which used language of fixing the account and signed up for a plan. We then called into the call center which we then spoke to someone over the phone. The person there confirmed that by doing this we would fix the account and could use our cards again and we asked numerous times over and over. We were extremely concerned about the account and in frantic mode. We had another company Ive the same issues and they fixed it all over the phone in minutes. This company told us one thing and confirmed it over the phone and we wanted to throw money at it to fix it then they lie and say its one way to get money faster. If we knew it was just to slow pay it off we would have chosen the slow pay. They lied and deceived us!!
Consumer complaint received 2022-05-04
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. (CA)

XXXX XXXXXXXX XXXXXXXX XXXX has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated. I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by XXXX XXXXXXXX XXXX XXXX before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXXXXXX XXXX XXXXXXXX to furnish any late payments to my consumer report. It is my belief that due to XXXX XXXXXXXX XXXX XXXXXXXX 's business relationship with the consumer reporting agencies, ( such as XXXX, Experian, XXXX ), they parrot any information given to them as a means of coercing consumers like myself to pay extra fees for debts that they allegedly owe.
Consumer complaint received 2020-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I've recently checked my credit report from XXXX  and I was shocked to see the previously deleted fraudulent accounts were reinserted back to my credit file. The BANK OF AMERICA ( ACC NO : XXXX ) and XXXX XXXX XXXX  ( ACC NO : XXXX ) fraudulent accounts were disputed and deleted in XX/XX/2019. However, XXXX  reinserted the fraudulent accounts after two months without notifying me.