davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-30
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 — Their investigation did not fix an error on your report
Company: American Credit Acceptance, LLC (GA)

I have a loan with AMERICAN CREDIT ACCE. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and AMERICAN CREDIT ACCE with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2019-03-30
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

XX/XX/XXXX I made a purchase on XXXX buying a laptop unfortunately upon purchasing and activating no less than 2 hours the laptop started to smoke and start a fire due to hazardous concerns and the lithium battery that was installed that can not be taken out I was unable to send back to the mail due to certain restrictions that applied. had to dispose of it in a proper manner I alerted my credit card company of the situation because I wasn't able to rectify on my end, they did a chargeback and eventually took it back now it's supposed to be under review along with some other cases that I have and I'm being treated unfairly I am afraid that the team that they have working in the investigation team are not actually investigating due to one of my other cases that I have open I would like you guys to assist with this one also because my evidence didn't matter the last time I presented I wasn't treated with respect on till I contacted MasterCard directly after countless hours on the phone with Capital One I keep getting this information and bounced around from it's almost like they're treating these Merchants like if they are a MasterCard hold on I am the actual card holder with the Privileges and the protection that they provide the buyer protection and with the consumer Fair Act I expected more I expected so much more from capitalone they treated me like a liar the last time I asked them to step in and they're taking so long to wrap this up it's already four months, I think I got rubber-stamped no one seemed to really look at the evidence and really really help me and now I think if they're being funny because they're supposed to be working on another case for {$180.00} and another one for {$120.00} for a fake bracelets and I was in communication with a third-party call with MasterCard and lo and behold they were willing to help me after countless hours that they on the phone with them they were very nasty they didn't even want to help me at all but as soon as MasterCard patched me in they were so willing but I'm still waiting absolutely nothing is being done I was supposed to be sent paperwork for one of the decisions that they had made that's why I'm contesting it and I still haven't received that because I told them I think that's a lot presented fraudulent evidence only because I am the one with the fake bracelets Still but that has nothing to do with this case I'm just mentioning it because I'm noticing a problem with them
Consumer complaint received 2019-01-08
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Onity Group Inc. (OH)

XXXX  XXXX XXXX has violated the Debtors confirmed Bankruptcy Plan Docket XXXX in Case XXXX XXXX. XXXX  XXXX XXXX proceeded with the violations until the loan was transferred to the new service company Ocwen Loan Servicing LLC on XX/XX/XXXX. Due to XXXX XXXX XXXX negligents XXXX XXXX XXXX transferred incorrect documentation to Ocwen Loan Servicing Llc See Exhibit J. Ocwen then proceeded because of XXXX  XXXX XXXX negligent trying to collect discharged debt from XXXX XXXX. Mr XXXX XXXX contacted Ocwen after receiving the ( RESPA ) loan servicing transfer and noticing more errors on the loan and contacted Ocwen pleading for Ocwen to rectify the incorrect loan information only to be ignored by the loan servicing company over the phone and by fax this was a violation of the CFPB 1005.11 Procedures for resolving errors. Mr XXXX stay on course and determined to correct the loan forcing Ocwen to correct the issue by contacting the CFPB Consumer Financial Protection Bureau and filing serval complaints over a 12 month period. Ocwen did not responded to any of the CFPB complaints acknowledging the error of the negelinece of the pervious loan service company XXXX  XXXX XXXX but did adjust the loan in XX/XX/XXXX to match the agreed reaffirmation agreement. Ocwen then proceeded to file a foreclosure on XXXX XXXX because the loan was behind on payments due to the incorrect data provided by XXXX   XXXX XXXX. This action by Ocwen not pursuing any loss mitigation against XXXX XXXX XXXX was complete neglect of the debtors right.
Consumer complaint received 2018-09-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc. (GA)

I never owed On-Line service any money and I asked them to prove how I owe them and they haven't. I finally got them on the phone and they said they would not delete the info even though I never owed them and they don't have any documentation with my signature, a copy of my driver 's license nothing at all to support this debt. 

After going and back forth with them they said the only way to get this deleted off my credit was to pay them. So, I paid it as it would be cheaper than getting a lawyer and going back and forth to court. A year later it's still on my report as a collection opposed to not deleted. Which is the same as not paying. 

It was a classic bait and switch to get me to pay them. 
ACCOUNT NUMBERS # XXXX, and # XXXX
Consumer complaint received 2023-02-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Diverse Funding Associates LLC (GA)

After careful review of my consumer reports, I noticed an account on my report from Dnf Associates, LLC. Case # XXXX I have not received any goods or service from this company : nor have I ever done any business with the company. I am unsure of how this company illegally obtained any of my information as far as my name, ssn, and XXXX. As I know that only a contract/signed agreement between Dnf Associates , LLC. and myself would make me legally bonded to any debt that they may claim. I am very sure that I have never provided any wet signature or provided any of my personal information to this company or any agreement.
Consumer complaint received 2022-03-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (OK)

Loan was paid off in full with an additional overpayment of {$490.00}. Santander bank, who was the lender, uses a third party to issue refund. XXXX is the 3rd party. They issued a prepaid card. When received i called and requested check be sent. XX/XX/XXXX first call. Had not received by XX/XX/XXXX. Calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, and today XX/XX/XXXX. They said check was issued twice, never received, called back and told them i want deposit to account. On XXXX was told money would be back on card on XXXX and i could transfer on line to my acct. Money not available on card on XXXX and called and was told it takes 5 business days to get back on card. Told the reason was due to refund program of their system. I requested check due to restrictions and spending requirements with using card. This bank should have never allowed a refund to be sent thru XXXX party much less restrict how i might chose to spend MY money. Santander should have refunded to the acct on record or mailed check to address on file. There should be absolute repercussions for any business treating customers this way. Just horrible business practice and would never advise doing business with santander bank.
Consumer complaint received 2019-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (HI)

I tried to obtain a refinance for my mortgage. I was denied because of false information on my credit report that was reported by Wells Fargo Home Mortgage. 
I attempted to dispute the fraudulent claims but they said that their system went down right before they submitted the report. I then tried to submit the claim online but the system said that my information did not match any of their files. I don't know how I could all of a sudden not have a credit report.
Consumer complaint received 2019-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: EQUIFAX, INC. (CA)

I received a notice from Equifax dated XX/XX/2019, with the Confirmation # XXXX. It appears to refer to some kind of dispute, and says " The results of the dispute you recently filed with Equifax are now complete. '' I do not find it possible to understand the language that follows. I know of no dispute. So I phoned Equifax at the number given in the notice. The Equifax representative asked me a number of questions, which I answered, including what my current credit cards are and their balances. She then asked me what my past credit cards were, and when I had them. I told her that i have had my existing credit cards and no others for years, and I don't recall any details about which ones I may have had a long time ago.. The Equifax representative refused to give me any information about the notice they had sent me.

Surely I must be entitled to an explanation of whatever it is that Exquifax wrote to me about. I would appreciate your assistance.
Consumer complaint received 2020-09-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (MD)

Original Debtor, XXXX, keeps changing collection agencies to illegally re-start the clock on a debt thats several years old. 

Current collection agency, Convergent Outsourcing, Inc, also refuses to correct the dates of the history of the account. 

XXXX refuses to verify the correct age of the account. Ive asked for documentation of verification numerous times. Nothing!! 

Ive also disputed the history of the account with XXXX ( the most unscrupulous credit bureau ) several  times as well to no avail! 

The dates and history of this are incorrect and no documentation has been forwarded to me for verification. No account numbers or phone numbers. Nothing. No contact information for the collection agency either.
Consumer complaint received 2019-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

After a careful review of my credit report I discovered an unknown and unauthorized account inwhich I'm disputing and demanding be removed from my credit report. I would like to know when did this come about, who reported it and what physical contract does the creditor have that confirms my true identity to this account. Please remove/ block this disputed account, ( 1 ) XXXX XXXX XXXX {$0.00}
Consumer complaint received 2018-09-13
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. (SC)

I initiated contact with Experian through their online dispute database. I listed accounts, addresses, name variations, as well as two SSN 'S on my report that are not mine. This accounts were verified. So I called and spoke to a representative who said these accounts were verified and updated using an electronic method. Also stating that no physical verification or validation was needed, and that I would have to file a id theft report, police report and to contact CFPB. I will include my credit report and ID Theft report in this complaint.
Consumer complaint received 2021-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (TX)

I recently received a copy of my ( XXXX, XXXX and XXXX ) consumer report, and I noticed that it is reporting my experience with its company. I advised Navy Federal of the violations that I noticed on my XXXX, XXXX XXXX, XXXX XXXX reports. The certified w/ return receipt tracking numbers of the letter correspondence is # XXXX XXXX XXXX XXXX XXXX The lines of credit I have with Navy Federal, which is characterized as utilization on my consumer reports. 
THEIR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports!

Navy Federal Credit Card Visa Signature XXXX XXXX Account # XXXX Navy Federal Credit Card XXXX XXXX XXXX NAVY FEDERAL is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( Navy Federal ) THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( NAVY FEDERAL ) Making the report is not INCLUEDED on my Consumer report! 
Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( NAVY FEDERAL ) that is making the report.

CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

THEY HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

I am making this complaint for Navy Federals willful violations and non-compliance. 
Please assist in helping me get remedy for my consumer rights. Thank you in advance.
Consumer complaint received 2019-04-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Big Picture Loans, LLC (FL)

When I initially took out the loan, I had informed them that my pay structure was bi-monthly, the XXXX and XXXX of the month. I had to keep calling them to correct the date in turn, defer the payment. XX/XX/XXXX ( which should be XX/XX/XXXX ) is the last payment to be paid on this account in the amount of {$130.00}. I had asked them to deferred the payment to the XXXX and they indicated that if I deferred the payment one day, the payment would be doubled.

They didn't seem to care one way of the other. Their practices are unethical and should be held accountable for their actions.
Consumer complaint received 2019-03-30
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: Experian Information Solutions Inc. (MO)

After a careful review of my credit report I discovered an unknown and unauthorized account inwhich I'm disputing and demanding be removed from my credit report. I would like to know when did this come about, who reported it and what physical contract does the creditor have that confirms my true identity to this account. Please remove/ block this disputed account, ( 1 ) XXXX XXXX XXXXXXXX {$0.00}
Consumer complaint received 2022-07-08
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. (GA)

n accordance with the Fair credit reporting act convergent account XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX XXXX account # XXXX, XXXX account # 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 2019-01-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL (WA)

We have established two reoccurring payments with Synchrony Bank. When payments are made, they are applied to the wrong account. When trying to log onto their website, we can only see one account even though we know we have two, both in the same name. It is impossible to log into one of the accounts to make payments and we continue to get notices that payments are overdue.
Consumer complaint received 2019-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I've disputed these accounts before but did not get any results in connection to my identity theft claim. My identity has been compromised and the following accounts are hindering my true credit identity. Please block the following accounts are provide me with physical documentation that they are true accounts. These accounts I have absolutely any knowledge of, 1 ) XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX 6 ) XXXX XXXX XXXX
Consumer complaint received 2019-03-30
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: Experian Information Solutions Inc. (IL)

I've disputed these accounts before but did not get any results in connection to my identity theft claim. My identity has been compromised and the following accounts are hindering my true credit identity. Please block the following accounts are provide me with physical documentation that they are true accounts. These accounts I have absolutely any knowledge of, 1 ) XXXX XXXX/ 2 ) XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX 6 ) XXXX XXXX XXXX
Consumer complaint received 2022-02-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (CA)

During the weekend of XX/XX/XXXX I received a call on my cell phone from someone identifying themselves as Citibank employee from the Fraud Department Telling me my citibank ATM was being used at XXXX to make a purchase in the {$800.00}. The had my last XXXX of ATM and my cell hone. I called the number showing on my cell and it was Citibank. I talk to them. They said they would send me a new card in the Mail. On Tuesday as I did not receive my card I called Citibank they said nothing was ordered but the fraud was clear. I called again on Saturday ( was sick that week in bed and could not talk ) and I was told my account had been hacked and the account was not accessible they could not talk to me. I went to Citibank XXXX XXXX in person and with XXXX forms of ID asked them what was going on. XXXX XXXX, a personal Banker told me it was standard procedure and that XXXX  account had been hacked so they do not want to talk over the phone. 
She looked at my accounts and I had XXXX with Citibank and was a customer for XXXX  years. She was going to close the XXXX other account an open a new one. Then she said she'd better call to make sure she could do that. When she called they said we should wait until Tuesday ( Monday was a Holiday ) and we should have gotten an answer. I asked if the XXXX accounts not hacked could be frozen. She did. I return Tuesday, Wed., Thurs. and there was no answer. Friday she called the fraud Department and they said as all accounts were frozen I could not get access to any funds. Actually they said they would not do business with me and I would receive a letter in 30-60days. This left me with not a cent. The Banker sent another message to try to get this resolved. I went again non Sat. no answer. I borrowed money from my partner and went open an account in another bank. I called Cal HR ( I work for the state of CA- correctional dept. ) and put a stop to my direct deposit. meanwhile I try to get funds from Citibank and I was hung up on when I asked how I pay my bills. 
As I did not see any check in the mail, I called calHR today and was told my paycheck went to my account at Citibank. leaving me yet again another month with no money. I called Citibank and got the same song and dance : " we will send you a letter in 30-60 days and we are closing your accounts. '' I can not get access to any of my funds leaving my to borrow from people. 
No one have wanted to talk to me, explaining what is going on. No one has offered any solution, no one has offered to give me access to even a cent. I have a fair amount of money in my accounts and I leave on borrowed money. This can affect my credit! Yet Citibank refuses to talk to me. Why are they kicking me out? Why do they need my money to investigate the hack? Why are they keeping the money on the XXXX other accounts, which were untouched? 
I have no document to give you as Citibank won't even talk to me.
Consumer complaint received 2018-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

XXXX is currently falsely reporting a debt that was improperly reported and not correct or current. Today is XX/XX/2018 - this report was as of XX/XX/2018