davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-08
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: Experian Information Solutions Inc. (FL)

Experian credit report shows bad debt for 800+ $ to a XXXX credit card and after dispute has decided it is valid. I am a XXXX and pay my debts. 
I have never been in a XXXX store and never opened a credit card. Therefore there can be no proof that I opened this account. Experian believes someone and there is no way to prove you didnt do something because there is no paper trail to prove something never happened. 
The system is rigged and unhelpful for the average guy.
Consumer complaint received 2019-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX XXXX is in violation of my 30 day right to dispute. I was not notified of the dispute status before it showed up on my credit. I would like for this item to be removed or for XXXX XXXX XXXX to provide proof that this item is mine.
Consumer complaint received 2019-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (UT)

XXXX XXXX XXXX is in violation of my 30 day right to dispute. I was not notified of the dispute status before it showed up on my credit. I would like for this item to be removed or for XXXX XXXX XXXX to provide proof that this item is mine.
Consumer complaint received 2019-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

In XX/XX/XXXX I had just returned home to XXXX from XXXX ( I served over there for a year ), and was newly separated from my husband. He had moved to XXXX XXXX  just prior to my return. Around that same time, I called Citi Card multiple time advising them that my husband was estranged and may try to make fraudulent charges on my card ; at which point they told me they put a freeze on my card. My card was paid off at that time and I had a XXXX balance. In XX/XX/XXXX I filed for a divorce. I then moved to XXXX due to a military commitment. 

Around XX/XX/XXXX I received a few notices that my credit score had changed. Upon checking my credit score I discovered it had been lowered quite significantly. After further research I discovered there were {$1500.00} worth of XXXX charges on my CITI card between the months of XX/XX/XXXX-XX/XX/XXXX. I once again called CITI Card multiple times but they denied any responsibility. Despite the fact I was serving in the XXXX in XXXX at the time the charges were made ( XXXX doesn't exist in XXXX, XXXX ) CITI refused to assist in the matter. I had proof my husband was estranged, that I had filed for divorce well before the charges were made, and that I had called CITI in the fall advising them of my situation, however, they denied any negligence on their part and insisted I pay the balance. They admit I called multiple times in the fall of XX/XX/XXXX, and they also admit there was speculation of fraudulent activity, but they won't take responsibility for their representative 's negligence by not putting a freeze on the card after I was specifically told there would be.
Consumer complaint received 2019-07-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc. (RI)

The Company is in violation of the Fair Debt Collection Practice Act, 15 USC 1692g a  law that is supposed to be enforced by the CFPB. 

When they began harassing me over debt, I looked up their corporate address online and mailed a copy of the attached letter. They have failed to comply with the request in the attached letter made under the Fair Debt Collection Practice Act, 15 USC 1692g.
Consumer complaint received 2019-07-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: First Technology Federal Credit Union (IL)

On XX/XX/24, I paid First Tech the pass due amount of {$570.00}. My logon on that date per their website sign on trail confirms that. I received an auto text from First Tech verifying I was active on their website that day. At first I went on to change external bank account to make a payment ... but their system kept rejecting with several error codes, so I called. Per customer service Rep XXXX, told to try again later. I since decided to go back on and pay with my past bank account that were already on file. It was not until day 35 or so, another rep from First tech, made me aware by calling my cell phone that I was over 30 days late. I explained this ... she told me that they will evaluate and get back in touch. No one have since. I was not late on this payment ... they obviously were having system issues out of my control, that I didnt know will effect my payment history. I have perfect credit and this is a impact on it now. Showing 30 days late. Please can someone help me as First tech isn't honoring they were having system issues on that date.I trusted their website with submitting my payment, but it failed me. I was never pass 30 days. 

Thank you
Consumer complaint received 2019-07-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/19, i bought a headset from one of the seller on XXXX, she told me she want me to pay her through XXXX XXXX instead of paying through XXXX XXXX because she wanted the money quick so shell have money to ship out the products. Me being stupid and not thinking it through paid her {$50.00} through XXXX XXXX. After i paid her she told me she couldnt ship the product out because the post office is close on sunday so i trusted her, she told me shell send it the next day. I waited and texted her and she told me that she already sent the headphones to me, and told me that it will take 2-5 business days. When i asked for a tracking number, she said she doesnt have one and will go the next day to get it and send the number to me, but she never replied after that, i waited for a week and still didnt get my headphones. I tried requesting my money back through XXXX XXXX but she denied it.
Consumer complaint received 2019-07-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK (MA)

On XX/XX/2019 payment was made by check to Discover Student Loans in the amount of XXXX, to satisfy all obligations. 
This amount is more than what was owed to Discover on that date. 
Discover has since that date issued dozens of false statements which fail to credit my account with the full proceeds of my remittance. 
Discover has falsely claimed that a portion of the loan is still outstanding despite having been informed of the foregoing on dozens of occasions. 
Discover has falsely claimed that the loan is outstanding despite having furnished me with statements on their letterhead which indicate that the loan is paid in full. 
Discover has harassed me for months to pay them moneys that are not owed and has libeled me by reporting that failure to pay them to credit agencies and falsely and deliberately adversely affecting my credit rating. 
Based on the documents supplied by Discover the loan was in fact OVERPAID on XX/XX/XXXX yet Discover refuses to render an accounting despite my demands on dozens of occasions.
Consumer complaint received 2019-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Bread Financial Holdings, Inc. (CA)

XX/XX/2019. COMENITY BANK, XXXX XXXX, XXXX, OHIO,XXXX. This bank issuing XXXX credit cards using XXXX XXXX XXXX, XXXX XXXX XXXX , SD,XXXX. Both in tendon uses XXXX  XXXX XXXX XXXX XXXX, GA.People with credit problems are applying for major departmental stores like XXXX, XXXX, XXXX, etc.through them using identity thefts.please investigate their operation ASAP.my wife has became victim of their operations.If they are allowed to continue lots good people will be victims of fraud and identities thefts.please act ASAP as a consumer financial protection in public interest.
Consumer complaint received 2022-12-02
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. (LA)

In accordance with the Fair Credit Reporting Act, the list of accounts 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 ) ; and XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/2019 and XX/XX/2019. 

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 an account without my written instructions.

15 U.S.C 1681 c, ( 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. 

My identity was stolen by a close relative who I believe was my XXXX XXXX Any of these companies has yet to provide some valid proof of my opening them. I have received statements from the fraudulent accounts claiming to be the validation which proves nothing. Thanks for any help in resolving this.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

I am writing to file a complaint Equifax for violations of the Fair Credit Reporting Act ( FCRA ). The inadequacies of Equifax have resulted in incorrect and misleading information on my credit reports and has significantly affected my credit score and credit history. 

I submitted a complaint to Equifax regarding these inaccuracies. Equifax acknowledge my complaint which I was not aware of until it too late give feedback, However, Equifax did not conduct a proper investigation Ignoring consumers written request and verbal request showing negligence and adhesion agreement. Instead, Equifax continued to report the inaccurate information on my credit report, which had a negative impact on my credit score and credit history. 

Equifax mishandling and failure to uphold the provisions of the FCRA has caused me significant emotional and financial damage. I believe that Equifax has violated various provisions of the FCRA, including : - FCRA 607 ( b ) - Failure or possible inaccurate reporting of Credit Information - FCRA 611 ( a ) - Duties of Furnishers of Information upon Notice of Dispute - FCRA 616 ( a ) ( 2 ) - Civil liability for willful noncompliance I am requesting that Equifax be removed from reporting on my credit file and opt out of any credit Insurance and I rescind all agreements voluntary and involuntary. Furthermore, I am demanding damages for the emotional and financial distress caused by Equifax 's violations of the FCRA. 

Thank you for your attention to this matter. I am enclosing copies of my credit report, and complaint/notice of suit.
Consumer complaint received 2018-12-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (AZ)

I show on my credit that I owe XXXX XXXX XXXX XXXX XXXX dollars. Over the last 3 years have gone back and forth with them, that I do not own this debt. I return the equipment and it was received on their end. No one will fix it and than now it is showing up on my credit. I am please asking to finally remove this off my credit as I do not owe this balance and it is unfair to my credit. 
Thank you for your help in advancw
Consumer complaint received 2015-04-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MD)

Our mortgage servicing company, OCWEN, has failed to make an earnest effort in accordance with the Make Home Affordable policy to help our family re-negotiate our home loan balance, which at the height of the Housing Crisis in XX/XX/XXXX-XX/XX/XXXX, reached nearly {$200000.00} in negative equity. OCWEN declined requests for modifications that were submitted with reasonable justification of loss of family income from XXXX to XXXX income source, medical determination of my husband 's XXXX, and a high debt to household income ratio. On XXXX occasion, a OCWEN representative 's advice was for us to miss several monthly mortgage payments to allow our home to go into pre-foreclosure as a basis for OCWEN to consider adequate justification for us to request a loan modification. At present, our family has cut living expenses where feasibly possible in an attempt to pay down our mortgage balance to equal the amount of our home value, presently a difference of {$100000.00} negative equity, so that we may refinance at an interest rate less than our current 6.25 % rate. The primary purpose of this complaint is to report OCWEN 's pretextual policies and lack of incorporation of the Make Home Affordable initiatives in OCWEN 's mortgage loan policies.
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: V and H Portfolio (AZ)

I have paid off a collection account with Vance & Huffman in 2021. When I paid the account, the rep said the information would be removed from my credit report. At this time it is still on my report. It also shows an open date of XX/XX/ 2021. That is simply the date Vance & Huffman bought the account. The actual age of the account is several years before that. Since the information is incorrect, I would like Vance & Huffman to remove the information from all 3 credit agencies as they said they would do when I paid it originally.
Consumer complaint received 2021-07-23
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion has fail to reply within the 30 days pertaining to the inaccurate information place on my credit report please look into this matter And adjust Accordingly Thank you
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-07-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (MD)

I have a car loan with Wells Fargo Auto Finance. I paid off the principle balance on the loan on XX/XX/2019 at a Wells Fargo banking center. I was advised that I had a remaining balance of {$2700.00} that I needed to pay before Wells Fargo Auto would release the title on the car. It was also explained to me that the vehicle could not be repossessed for late fees only. It was my intention to make monthly payment on the late fees, however, due to a personal matter I was unable to do so. However, I rest assured with the knowledge that the vehicle couldn't be repossessed. 
On Saturday, XX/XX/2019, my vehicle was repossessed by Wells Fargo Auto. When I contacted their redemption department on XX/XX/XXXX, I was told by a representative that I had a principle balance of {$4.00}. I was then transferred to the Office of the President where I made a complaint. On XX/XX/XXXX I received a call from the Office of the President and I was told that my vehicle was repossessed because I had a principle balance of {$4.00}. The gentlemen said he would review the conversation that I had on XX/XX/XXXX to confirm what was said during the conversation. To date I have not heard anything from Wells Fargo Auto.
Consumer complaint received 2019-07-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: AMERICAN HONDA FINANCE CORP (GA)

American Honda Financial failed to provide me with rights to reactivate the contract. The agent seemed to have less patience and willingness to speak upon finding out we were XXXX American. Under the terms of the lease based on California State Law for Equity in real colleterial, I was entitled to As the recipient and executor of the Estate I was entitled to take over the vehicle contract. American Honda received notification but chose to ignore the will or my right to exercise the contract. Then they told me I had no  rights with the vehicle.
Consumer complaint received 2019-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (VA)

I signed into XXXX XXXX to check activity. There is a Hard inquiry on my report made by Synchrony Bank on XX/XX/2019, that says its about XXXX XXXX XXXX/XXXX. I have no idea what this is! I have tried calling every phone number I could find for Synchrony Bank and can not get a live person. They want account information or my social security number. I will not provide my SS number over the phone to a recording system, and obviously I do not have any account information because I am not the one that has tried to or have successfully opened any credit cards or bank accounts. After attempting to contact Synchrony Bank, I called XXXX directly and they informed me that they are unable to remove it or help without me contacting the bank directly. I informed them that I have already taken those steps. The only thing they could do was to put a lock on my credit account so no one can access or do a check without my consent.
Consumer complaint received 2019-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

There are four accounts being reported incorrectly on my credit report, the first account is XXXX XXXX XXXX, the second account is XXXX XXXX, the third account is XXXX/XXXX XXXX XXXX, the fourth account is XXXX XXXX. Please delete the accounts.
Consumer complaint received 2017-07-24
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. (VA)

XXXX XXXX XXXX has inaccurately reported a debt on my credit report. The only agency who stubbornly refuses to remove it is EQUIFAX. On my initial dispute, I advised them I have NEVER been a patient of XXXX Hospital. However, they claim they contacted the Collections Agency and they verified the item belongs to me. How can I be taken to Collections by XXXX Hospital if I have never been a patient? Also, I am have Health Insurance. Please investigate this irresponsible reporting by Equifax. It damages my Credit Score and they simply are not doing their job such as ACCURATE reporting. Thanks, XXXX XXXX XXXX
Consumer complaint received 2021-11-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (DC)

I utilized Rocket Mortgage to obtain financing for a property in XXXX, OH. First contact was on XX/XX/2021. In the middle of closing, a " resolution expert '' reached out to inform me they were unable to secure an XXXX and recommended I find a different mortgage company. My XXXX and I both asked about offering a premium but agent stated they still recommended utilizing a different lender. Even though the extra premium would have been charged to me, they still recommended I utilize a different lender. Part of his email " ... since we utilized all of our resources to find an XXXX and couldn't get anyone to accept the order, that's why we wanted to reach out as soon as we could to let you know. '' Unsure why they didn't disclose this during the signing process, that they have difficulty in some markets obtaining an appraisal which will cause them to basically cancel the financing and delay or destroy the deal.
Consumer complaint received 2019-07-23
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: SYNCHRONY FINANCIAL (MT)

On Tuesday, XX/XX/2019 I called Synchrony Bank because I viewed on my credit report 4 hard hit inquires & the only recent credit I received was " Care Credit ''. I was transferred to " XXXX '' in the " Fraud Unit '' in XXXX, Arizona. He was professional and took his time to try and resolve the matter informally. After " XXXX '' advised me he couldn't locate any inquiries, I respectfully requested that since the hard hit inquiries were not able to be verified and made for permissible purposes that all inquiries be removed from my credit report. XXXX told me that he was going to contact a different department and get instructions. When XXXX returned he advised me that the inquiries were not able to be located and that I will need to contact the credit bureau 's. I advised XXXX that I did previously and they told me to contact the creditor. I will not continue to go in circles and have my credit score be reduced by 6 points. If Synchrony does not remove the following hard hit inquiries from all credit reports I will file a law suit in small claims court for Synchrony knowingly & willingly violating my rights granted to me under the Fair Credit Reporting Act ( FCRA ). 

Hard Hit Inquiries XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/2019 Cc : XXXX County Court House XXXX, Montana XXXX