davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-31
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

M y Capital one c redit card  XXXX   XXXX   XXXX   XXXX  has been removed from my credit reports due to a credit bureau mistake. This account got mixed up with a different account reported as fraud. This card needs to be re-reported by  Capital One to ALL  XXXX  credit bureaus. All pay history since 2010 needs to be up dated immediately. If any requests have been made by any of the credit bureaus to stop reporting this account please disregard them as invalid.
Consumer complaint received 2015-04-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC (CA)

We believe Fay Servicing & the investor behind our loan been purposely delaying the short sale process, ignored the short sale request and valuation disputes, did not cooperate with seller or buyer or their respective agents even though there is every evidence that the short sale valuation was most legit and up to par value of not only their own BPO ( Broker price opinion ) but our buyer 's offer, and additional appraisals & reports done by licensee 's. They have refused to send additional inspector even though they promised in writing and agreed to consider their original request was outrages. Their staff dragged the time purposely, knowing the market is changing and forcing homeowner to do deed in lieu by threatening for foreclosure and not responding to the short sale request. The detail of the complained will not feet in this section, so there is an additional letter in a separate attachment including most evidence.
Consumer complaint received 2019-07-11
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (FL)

Synchrony bank advertised 1 year no interest using Synchrony bank. 
According to my experience it appears that this bank is using fraudulent methods to charge additional fees on the accounts. I purchased a mattress from " Mattress Firm '' with this promotion on about XX/XX/2018 and paid it in full to the bank timely. Basically they claim that the payment were not sent on time charging additional significant amount to the account. 
Luckily I had my suspicion from day 1 so I documented all communications and payments, I also used XXXX XXXX online banking for timely payment and to have the record of on time payments. 
Although my account was timely paid in full Synchrony bank still demands additional {$1800.00} from me, ( thats over the original amount agreed of {$2000.00} that was timely paid in full ). Furthermore my credit was reported as late dropping my credit score by about 100 points. 
I was talking to the bank supervisors numerous times just to go on a goose chase they ask me to fax them the proof then they never get back to me and when I call bake Im informed that they didnt receive the fax and I cant be connected to the same manager, when I tell them that I also have a proof that the fax was received by them, they ask me to fax the proof to them as well, again just to tell me later that they didnt receive that fax too. so for now I have a collections of proofs in my possession that I would be glade to forward to you if you. 
I also contacted Mattress Firm to make sure they are not involved at this alleged extortion, they assigned a representative name XXXX to try to help communicating with the bank and she spent over an hour yesterday on the phone with the bank and me witnessing the " game playing '' of Synchrony Bank. Finally she told me that she can't stay on the line because the bank would not allow a recorded line ( when they themselves record the line ). I guess they don't want the " goose chase '' they put me on be recorded. 
Thanks XXXX XXXX
Consumer complaint received 2019-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc. (GA)

Over the course of the last 3 months, I have regularly called national credit systems in order to work with them on an account they have open in my name that is of questionable legal standing. There is current litigation pending against their client, and in spite of this, they still threatened to report the account as delinquent. Although i asked numerous times to get information about the credit reporting date and proposed settlements in writing, I was told by both agents and supervisors this is against their policy and they would move forward with reporting the account as delinquent whether or not the the dispute had been resolved. This seems like nothing more than harassment, especially since I told the agent multiple times that although I do not feel like the balance is legally owed, I would set up a payment plan to prevent reporting. I called on Monday, XXXX to set up a payment plan, and the associate was quite rude, and informed me that I was too late, it had already been reported, and there was nothing they could do. Called back on Tuesday and spoke with a supervisor who confirmed this.
Consumer complaint received 2019-07-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (OR)

I am applying for the XXXX time to have my student loans discharged since 2015 based on my total and XXXX    XXXX. I am attaching my Social Security Administration Award letter as a qualifying document. My application was denied the 1st time because Nelnet claimed my doctor did not sign off on my application ( he did ) and because they needed clarification from my doctor. My XXXX XXXX XXXX  attempted to contact Nelnet several times but did not return calls. The 2nd time my application was denied because they needed additional information from Social Security Administration regarding the Benefits Planning Query ( BPQY ) I used as supporting documentation. This time I tried to contact Nelnet several times but to no avail. Now Nelnet is threatening to garnish my monthly XXXX payment by up to {$700.00}. That would leave me with as little as {$540.00} to survive on a month.
Consumer complaint received 2020-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Decided to make a big move in buy my first home. I knew I wanted to go into a first time home owners program, due to them being able to help you financially. But my credit has been compromised because I have numerous of items that are not mine. Can you delete these items from credit report so I can purchase my first home. Thank you. 

XXXX XXXX {$1200.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX {$6000.00} XXXX  XXXX {$4200.00} XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX {$4200.00} XXXX XXXX {$320.00} XXXX XXXX XXXX {$98.00} US DEPT ED XXXX {$6100.00} DEPTEDXXXX XXXX {$3500.00} XXXX {$400.00} XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (MI)

I have an American Express Serve Card. Theres an unauthorized charge on account from XXXX for {$68.00} and {$1.00}. 
I have never heard of them and I attempted to locate them without success on the Internet. The Company was notified of the dispute and given a fraud affidavit on XX/XX/2019 and refuses to give me a provisional credit pending their investigation.
Consumer complaint received 2018-03-12
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)

I sent for credit report from all 3 major credit bureaus after receiving a notice from my auto insurance about my payment going up due to my credit report. I haven't purchased anything or applied for credit in years. Upon receipt of my credit reports I discovered that someone else has been obtaining credit cards, vehichles and apartments using my name. However on my credit reports, it listed more than one social security number which indeed wasn't mine, SEVERAL addresses in which not only have I never lived at, but also have never even been to, jobs that not only have I never worked at but also never heard of, my date of birth wrong and former names wrong. I have disputed open and closed accounts that were written off due to non payment to the credit bureaus as well as NUMEROUS inquiries for credit that I have NOT done nor even heard of most of them! I have filed police reports, been to my bank, went to my insurance agent, called some of the actual creditors, contacted Federal Trade Commission, contacted the XXXX XXXX XXXX XXXX who called me and told me to contact the Consumer Financial Protection Bureau, I still have to contact the Florida Division of Drivers License to put a flag on my drivers license. This whole ordeal has not only been stressful but time consuming with SEVERAL hours on the phone to creditors, banks, credit bureaus, etc. and emails, letters, and certified mail which is also costly. I just want to make sure I cover all of the bases in which I have been requested to do. I do believe by going through all of the proper channels and being diligent in getting this resolved and with my faith and trust in XXXX XXXX that this whole NIGHTMARE will be resolved. Any help or any assistance that your company or organization can offer will be greatly appreciated! I DO NOT have a bunch of credit cards I have not paid, I HAVE NOT lived in multiple places, I have lived at my current residence now for 17 YEARS!!! In that time, I have worked at one establisment which is no longer in business and I now am self employed and work from my home! In 17 years, I have applied for 2 vehichle loans and the last one was in 2007. I am not late on any of my current bills and haven't been in 17 years! I have 1 HOME and am making mortgage payments on it and I have 1 HUSBAND and is the only spouse that should be on my reports!!! I have 1 SOCIAL SECURITY number and in my name now and it hasn't changed for 17 years!!!! I just want all of my CORRECT information on my credit reports and for all of the other to be REMOVED!!! Sincerely,  XXXX XXXX XXXX
Consumer complaint received 2017-03-22
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: Freedom Mortgage Company (CO)

I got an offer in the mail from Freedom Mortgage at Freedom Mortgage XXXX Ohio XXXX I applied for an adjustable rate mortgage on my home they sold me on this .Here is the problem they sent a closer to my home to close the loan and he saw that my daughter was living in my home with me and he suggested I put her on the title as she was not on it, Time passed and I needed to refinance and so I began to seek a new loan and they denied me the loans based on my daughter having judgments against her and now she is on the title I live on a fixed income and can not afford the loan now soon the rates will adjust and go up. I blame the person who they sent to close the loan for advising me to put my daughter on the loan. My health is not good and I only make so much money and would have qualified for a reverse mortgage except for this issue and in addition I can not get through to any one at Freedom Mortgage so I hoped to contact you and you can contact them to see how this can be resolved. thank you XXXX
Consumer complaint received 2022-12-01
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. (PA)

XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXX XXXXXXXX Balance : {$6100.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$350.00} ; XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$1300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$750.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-07-11
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. (NY)

XX/XX/2019 I submitted my first initial dispute due to incorrect and erroneous account information reflecting on my credit report. I asked the Bureau to provide me with THE ORIGINAL CONTRACTS on file between I and said creditor/s. The bureau responded to dispute as either verified or accurate, however they did not supply their Methods of Verification or the ORIGINAL CONTRACTS on file between I and said creditor/s. FCRA Act Section 611, gives you the right to request an explanation of the verification method used by the Credit Reporting Agency and this Agency has VIOLATED that right by not supplying any explanation. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. However, they have not, and have broken the law. I DEMAND these accounts be REMOVED and DELETED.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

XXXX, Experian, & XXXX continue to report incorrect information on my consumer report. Federal law states these companies are required to report 100 % accuracy. I am requesting the information used to validate this information. 

My name is XXXX XXXX there should be no other names or name variations listed, if there are this is considered identity theft as I do not identify as those names. 

My address is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX there should be no other address listed on my consumer report. My address is correct and listed on the federal mailing registry per the guidelines for the United States postal. Remove any other address listed.
Consumer complaint received 2021-06-15
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. (TX)

Hello, I hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like I normally do yearly and noticed these inquiries for accounts I never requested to open. These are fraudulent. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identification along with the IDENTITY THEFT Report please remove these inquiries I never asked to get any accounts or loans with these companies.
Consumer complaint received 2019-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NJ)

My tenant deposited the check on XX/XX/19. Initially, there was a problem with the check. So Wells Fargo, decided to put a 15 day hold on the check. My tenant then got proof of funds from XXXX XXXX   showing that the funds are in fact available and have been available since XX/XX/19. 

My tenant, the depositor then faxed a letter to Wells Fargo showing proof of funds. Wells Fargo has continued to drag their feet in expediting these funds so they deposited into my account. The check is for {$870.00} and it's deposited into my account every month for the entire year - same amount, same accounts. 

I have a family and children. My children depend on this money to eat and basic living. We're literally waiting on this check to clear so we can continue to eat and live normally until the next payday as I'm back to work next week. The attitude of Wells Fargo is " I don't care ''. I don't care about your family or when they eat. They are terrible in terms of understanding and expediting when necessary. My case number with Wells is XXXX. I spoke with XXXX XXXX and she told me it takes 24-48 hours to speak with her manager XXXX XXXX. I asked to speak with the CEO XXXX XXXX. There's no way to escalate to his office. 

Right now, my children need to eat and we as a family function normally. The money has been available since XX/XX/19 actually XX/XX/19 but it was a timing issue. It is now XX/XX/19 and I'm told I won't be paid until XX/XX/19. Unacceptable - especially to my children who need to eat. Please expedite and send to president/CEO XXXX XXXX. I'd like a phone call from him personally. Thank you.
Consumer complaint received 2022-12-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

Received a call from XXXX saying that there is impeding arbitration to collect a debt. Left the number XXXX. I called the number a gentlemen stated I have a debt {$1700.00} with HSBC from 2017 and he had the last 4-digits of my social security number. He asked me to make arrangements and I stated I needed to dispute charges and the call dropped. I called again. I asked for the XXXX account number and the gentlemen was providing a number that could not be valid for a XXXX. The call dropped. I tried to call again and was not able to connect. 
I do not or have not had activity with HSBC that I can recall in many years.
Consumer complaint received 2022-12-15
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. (CT)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-05-31
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: LendingPoint Holdings LLC (CA)

Do n't know, nor have I ever applied, signed ANY application for any loan from Lending point ... got a email saying that I had applied for a installment loan, and that I was declined!!! All this unbeknowest to me ... I sent a email to Lending Point letting them know that I had NOT applied for ANY credit installment loan, and that if they were reporting that to the CRA 's that I would be filing a complaint in  XXXX   XXXX  Superior court for them erroneous reporting a inquiry to the CRA 's in violation of t he F.C.R.A. I  have also filed a Identity Theft report with my local police station ...
Consumer complaint received 2019-10-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: EXPERT GLOBAL SOLUTIONS, INC. (NC)

I opened a loan with XXXX XXXX in 2017. XXXX recently stopped processing payments for military members so another company called SST ( Systems Services and Technology ) handles the loan. I had to wait about 60 days to receive the new account information and I was charged a late fee even though I didnt have the information for the account and when I was finally able to login after getting the new account information I saw that that the loan balance was higher than the original loan amount. I recent made a request to XXXX  to delete XXXX XXXX  from my credit report as they were reporting no payment although my bank statements show the withdrawal from my account. SST has yet to update my account to reflect the correct amount as I have sent them my bank statements as well. I would like to report them as fraud and close this account as paid in full due to neither company able to provide me correct information regarding this account.
Consumer complaint received 2021-12-01
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: EQUIFAX, INC. (NV)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.