davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-10
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)

This is XXXX 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 XXXXXXXX XXXX and XXXX XXXX XXXX. Please delete these accounts ASAP.
Consumer complaint received 2019-02-12
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: Experian Information Solutions Inc. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX XXXX XXXX ACC # XXXX XXXX XXXX  ACC #  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   PLEASE UPDATE MY ADDRESS TO CREDIT REPROT XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX THESE ARE FRAUDULENT ADDRESSES XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX PLEASE UPDATE MY PHONE NUMBER TO FRAUD ALERT XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 


Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2019-02-12
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: Experian Information Solutions Inc. (GA)

I have been a victim of identity theft, accounts had been opened in my name so, I'm requesting these information to be block from my credit report in accordance with the FCRA.This has cause a great damage to mi ability to get a better job as well as get fundig .Please remove this item from my credit report, an FTC and a police report had been filed, they will be attach to this complaint.
Consumer complaint received 2019-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NY)

Citibank N.A. charged my credit card for services and fees that have been deemed at the time of charge as illegal and unfair practices to bill consumers these types of Fees. They have also overcharged interest fees as well. This illegal activities has been already decided in XXXX. My initial inquiry to Citibank was at XXXX, and my credit card had been open in XXXX. The years of Citibank 's deception and illegal practices in charging consumers illegally was from consumer credit card, etc., from XXXX - XXXX. There are other acct numbers which were from the same account and the last digits are as follows and were prior card numbers back to XXXX : x-XXXX ; xXXXX ; xXXXX ; x-XXXX, etc. A few cards were supplied with different numbers over the years and changed due to security reasons ... The whole account is subject to a review. I have asked many times and filed complaints many times over the years. This company dragged their feet on the initial claim, and then did not respond to future inquiries. I have much more information that I can send you with all the billings, and I have much of the information. I am missing a few years 9of info in earlier years, but I have been trying to get additional info from Citibank NA and they are now non responsive, and they and theirlegal representative have currently severly botched the inquiry, and/or lied. I had another complaint ( XXXX ) which the information provided from Citibank was totally wrong/or they just lied to stonewall the process. Therefore I am starting another complaint which will also show how Citibank and their legal outsourced team is stonewalling this process, and distorting the facts as we see. I will be faxing more information in to your fax number XXXX which I got from XXXX XXXX of your office. I want this to move further, and I want you to look at fining or what ever process you are to do to charge Citibank for their bad internal procedures as outlined in your reports attahced in the last.
Consumer complaint received 2019-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (SC)

Wells Fargo Institutional Trust SVCS. Phone number XXXX has sent me erroneously codes 1099 Rs twice. I called and the sent the wrong form again. I called again and they said they would send out the correct forms on XX/XX/XXXX. I called back and they said they had not sent them. I need these 1099 Rs to file my taxes. I am running out of time to file on time. They 1099 Rs were coded as early withdrawals but I am XXXX so they should be coded as 1099 R 7, not coded as a 1 and a 2 like they were.
Consumer complaint received 2019-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Onity Group Inc. (NY)

As you are well aware, Ocwen loan Servicing Co. LLC is known for fraudulent business practices and has been taken to court ( class action lawsuits ) over these issues resulting in XXXX dollar settlements however the company still is allowed to continue its fraudulent business practices with little more than a slap on the wrist. 

That being said my complaint is as follows. My current XXXX  and XXXX credit reports are showing that on XX/XX/2019 Ocwen Loan Servicing Co LLC reported that my loan increased by {$630.00} when the original loan was {$100000.00} 13 yrs ago and now on the report is showing {$100000.00} total owed even after 13 yrs of having the loan resulting in at least a 65 point drop on my credit reports. This information Ocwen Loan Servicing LLC reported is impossible and incorrect resulting in a negative impact on my credit reports and needs to be corrected asap.

Im tired of Ocwen 's fraudulent activities that are not being address and this company continues to stay in business even after many class actions suits.
Consumer complaint received 2019-02-12
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NJ)

Opened account XX/XX/XXXX. At the time my credit was poor. Since then in an attempt to improve credit rating I opened a couple of credit cards to establish an improved credit rating. I consistently paid on time and never missed a payment. My credit rating improved over the year. In XX/XX/XXXX I paid account down by {$400.00} with a balance of {$400.00}. Within 3 weeks they decreased my limit to {$460.00}. I continued to pay on time. On XX/XX/XXXX I paid off account. On XX/XX/XXXX they closed my account. I called, they said it was based on my credit overall report. Only item that changed was an erroneous remark from XXXX  that a payment was missed. That was resolved and removed from my credit history. Even though my credit is in better standing than when I opened account they closed it, which negatively affected my credit rating. I asked them to please review it again since the recent missed payment from XXXX had been resolved. They refused, stating once an account is closed, it will remain closed forever. Im concerned about their blatant disregard for the consumer.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Management Company (MD)

XXXX XXXX XXXX continues to call my home number. We receive so many scam, spam and fraud calls that we do not answer unless we know who it is or what it is about. This company leaves voice mail messages that they are calling about an attempt to collect a debt. Many people in this household listen to those messages which I'm pretty sure it's illegal for them to leave such messages that anyone in the household could screen. I personally told them that they are leaving messages that anyone in the household can hear and that no one knows about any debt that they are trying to collect and suggested they send a letter. They have not done so. We do not know who they are trying to contact or for what debt. 

After receiving another call today I called them again to tell them the same thing but I was continually interrupted by the person on the other end. So the person was told they were going to be reported. Couldn't say anything else because the person on the other end continuously interrupted. To our knowledge no correspondence has been received from this company. Their number has been blocked before. It appears they change numbers.
Consumer complaint received 2019-02-12
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. (NC)

I seen this company on my credit report XXXX XXXX XXXX and I've asked several times for verification and validation of the debt and haven't received anything. I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay them. When I submit a dispute through your service asking for verification/validation I receive nothing but an update to my credit file saying verified but no proof or information on what was verified and how. According to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act this should be deleted from my credit report and collection activity ceased because it has not been verified and validated.
Consumer complaint received 2019-02-12
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)

I seen this company on my credit report XXXX XXXX XXXX and I've asked several times for verification and validation of the debt and haven't received anything. I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay them. When I submit a dispute through your service asking for verification/validation I receive nothing but an update to my credit file saying verified but no proof or information on what was verified and how. According to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act this should be deleted from my credit report and collection activity ceased because it has not been verified and validated.
Consumer complaint received 2022-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

Application was denied due to not accepting official documentation from the government. The official documentation requested was 1 primary document in which I submitted an EIN Letter. The application was rejected so I submitted 2 primary documents an EIN Letter and Articles of Incorporation. Those documents were rejected also. They can not give me any information on why official documentation from the government was denied and rejected. I want the credit hit to my credit reports removed right now.
Consumer complaint received 2019-04-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

On XX/XX/2019 I wrote to Portfolio Recovery Associates XXXX XXXX XXXX. XXXX XXXX, XXXX, VA XXXX to dispute an account they are trying to collect {$4500.00}. I asked the to provide " Validation '' of this account well within my rights for the Fair Debt Collection Practices Act. Portfolio Recovery Associates failed to provide me with proof this account was indeed mine. They only replied with an amount owed. On XX/XX/2019, I again attempted to have the company provide accurate verification and validation that the account was owed by myself. The company sent notice which was received on XX/XX/2019 that states they have answered my dispute previously and their company bought an electronic file with my personal information in it and are now attempting to collect on this account. This account is not mine, this company is now harassing me and it is also affecting my credit score which is causing harm to my personal finances. This is a violation of the fair credit reporting act, fair debt collection practices act and defamation of character.
Consumer complaint received 2019-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Credit Karma (NM)

The date in question is XX/XX/2019. Company involved is Credit Karma. Attempts to contact them unsuccessful due to the fact there is absolutely no way to reach any customer service representative. I received an alert by Credit Karma that my XXXX credit score had dropped by XXXX pts. This as a result of a " new chapter XXXX bankruptcy '' reported by my credit union. Also that my open XXXX loan was listed as closed. These 2 items are totally incorrect. Multiple items regarding supposed debts owed, incorrect. I contacted both my credit union & XXXX ( I filed a dispute ). Neither companies had any facts as described above. Advised by XXXX to file this complaint.
Consumer complaint received 2019-02-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MS)

I wrote XXXX to dispute the current and reoccurring charges that are being added to my XXXX account. As of XX/XX/XXXX, I was a loyal customer with XXXX. I tried to pay my bills on time and if Id forgotten to pay it, I paid the late fee without any hesitation. On XX/XX/XXXX, I called in to pay my bill and discovered that my payment was a day late. So I agreed to pay the full amount that included the late fee which was a payment of {$150.00} thinking that I was paying my account balance and the representative told me that I shouldnt receive anything late fees or anything on my account. I asked them if the account assure fee was going to be added and he told me no. He reiterated that I would have NO additional fees. 

So, in XXXX I saw an email stating that I had a late fee balance. I was very upset and I called XXXX credit card center and spoke with another representative. I told her about the conversation that I had with the previous rep and asked her if the late fee charges could be removed because I was a loyal customer and I had paid my balance off. She told me no. I was so distraught and after pleading with her, she told me that there was nothing that she could do. So I told her that I would pay the balance and asked her to close my account. She did not offer any other solutions, nor further assistance. 

I just checked my account today and called XXXX back to your company and I was told that although the account was closed, that XXXX is still allowed to charge me late fees and rack up my bill until I paid all late fees. How can XXXX still charge me late fees on an account that I have closed. And I DID NOT WANT to close my account, thats why I paid the balance off and kept the card active in the first place. 

Now, according to the my previous account activity you can see that I paid, what I thought was my balance of {$150.00} on XX/XX/XXXX and right before that date on XX/XX/XXXX there was a late fee of {$27.00} already attached to the accountof which I agreed to pay. Then four days later on XX/XX/XXXX, I was charged XXXX CENTS from XXXX XXXX ( of which I was told that that WOULD NOT HAPPEN ) and then late fees were removed, but the XXXX XXXX fees kept racking up, causing me to have late fees that I was not aware of. 

Now, I have all of these late fees, have had to cut my card off ( of which I loved ) and keep getting XXXX XXXX fees added to my account because of the XXXX XXXX fee of XXXX cents that was added to the account on XX/XX/XXXX, FOUR DAYS AFTER ID PAID THE BALANCE OFF!!! 

I have requested that all late fees, the XXXX XXXX and all other charges against me and this account be removed immediately!!! I feel that Ive been XXXX by XXXX. I do not have {$60.00} to give XXXX! I have never been treated so poorly in my life!!! In my ignorance and frustration, I closed my account and if this is blocking me, then please reopen the account, but still remove all of these fees OFF OF MY ACCOUNT.
Consumer complaint received 2023-08-13
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: Spring Oaks Capital, LLC (CA)

Filed a dispute with XXXX. They can't even get simple fact correct anymore. Blame XXXX for this... It's ruined my life ... and these XXXX  joke about it probably!!
Consumer complaint received 2019-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I had opened a secure credit card in the amount of {$300.00} that I started with 5/3rd Bank back in XX/XX/2013. About 2 years ago I went in to close the account because I had established credit with a regular credit card and did not need it..when I closed it they gave me my {$300.00} back that secured the credit card and I thought all was good. 
On my credit report it shows closed by credit grantor which I believe has had a negative affect on my credit. I disputed this with all three bureaus and XXXX and XXXX  still will not remove this incorrect information.
Consumer complaint received 2022-08-18
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. (WI)

can not get my credit report or credit score from transunion there website won't show me my credit report credit score or let me dispute or let me place or remove credit freeze it says status unknown for credit freeze i also paid money to get my credit score and it took my money and would not give my my credit score.
Consumer complaint received 2019-02-12
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. (NC)

I seen this company on my credit report XXXX XXXX and I've asked several times for verification and validation of the debt and haven't received anything. I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay them. When I submit a dispute through your service asking for verification/validation I receive nothing but an update to my credit file saying verified but no proof or information on what was verified and how. According to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act this should be deleted from my credit report and collection activity ceased because it has not been verified and validated.
Consumer complaint received 2019-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (CO)

An authorized user was added to my Discover credit card. They won't tell me the name or date that it happened. So far I have found over {$10000.00} of fraudulent charges because of this.

I have provided proof that my computer and online account was hacked, that they sent cards to addresses that I've never lived at, have filed a FTC identity theft report, and filed for corrections to my credit report. Discover said they conducted investigations, but when I would call to ask for updates, the client services department would have no record of investigations. Eventually, some of the charges were looked into. They claimed no proof of fraud ( despite everything I provided and no evidence that it was a legitimate claim ) and then re-charged my card for the amounts disputed, even though they never provided a debit while investigating. I've had 4 card numbers opened, immediately fraudulently charged, and then closed over the last year and a half. Each time a mysterious " TRANSFER BALANCE '' charges show up, even though no one at Discover can tell me what they are for.