davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-13
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: Experian Information Solutions Inc. (TX)

( XXXX XXXX XXXX that starts with XXXX ) I requested for the credit bureau to Please validate information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. In response they stated the company that reported the information has certified to that the information is accurate. IM REQUESTING TO SEE THE CERTIFIED INFORMATION THAT WAS RECEIVED BY THE CREDIT BUREAU, IN ADDITION, THE i Method of Verification. I do not consent to XXXX or any means of automated verification.
Consumer complaint received 2024-03-09
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This is a follow-up to complaint XXXX. 

My complaint was closed based on the response from the bank. 

The bank claimed that it sent me two letters notifying me about the risk of my account being closed. 

I have reason to believe that the bank falsified the notices. I have never received any of the letters referenced and attached to the bank 's response. Had I seen a notice about one of my oldest accounts being at risk of closure, I would have definitely used the credit card. 

Additionally, I have been subscribed to all electronic communications from the bank. Nevertheless, there are no such notices available in neither my online banking nor in my emails. 

I believe the bank is lying about the notices as it is hard to believe that XXXX failed to deliver the letters on two occasions ( the address noted on the notices attached to the response is accurate ).
Consumer complaint received 2024-03-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY (CA)

The original lender promised not to sell or transfer my loan ; however, it was transferred. Finally, it wrongfully transferred from XXXX to Wells Fargo who foreclosed on me despite me supplying appropriate documentation that proved I qualified on all levels for the loan forbearance program.
Consumer complaint received 2022-07-22
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. (AZ)

A Small Business Loan for {$32000.00}, was taken out for a LLC entity, under the Entity 's EIN. The Lender, XXXX, included my personal information, and residential address without my consent. And now this loan is showing up under my personal credit report, although I was told by the company that this would report on my business credit to help my business grow. Because of this incident, I am not unable to purchase my dream home, after I was approved for my home loan. My score was lowered and debt-to-income ratio is affected. I only gave this company permission to run a soft credit check, but nothing else per my instructions.
Consumer complaint received 2018-05-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (FL)

I had a loan with XXXX had problems and stop making payments then contact XXXX to work a solution got offer a trial period finish 6 month trial period and no answer from XXXX about loan modification transfer to Green Tree where I was offer a loan modification where my principal increase in over {$140.00} and the interest increase to 6,125 % no answer from Green Tree about what program was used for my Loan Modification. I pay 18 months and after the 18 payment got inform that my taxes for 2 tears where not paid hard to understand since the 2 years in question where not consecutive my payment was increase in the amount of {$1200.00} a month making my payment from {$4200.00} to {$5300.00} ask the bank to review this new numbers and I was advised to continue making new payments till they work something out to return to the original payment which was almost % 50 of my income. nothing happens for few months and suddenly Green Tree said for me to make a payment because they have arrive to a new terms for my Modification That was a LIE they just closed for business and open with a new name but send a letter telling me that nothing change. at this moment I hire an attorney and initiate a loan modification submit paperwork many times and after 10 months My modification got denied BECAUSE the loan was past due more than 6 months After this attorney I have file 3 more modifications with 2 different attorneys and one with the HUD help, my last denied was last week they did not display the new guidelines for the denied just said that the new P & I its higher than old P & I Consistently XXXX green Tree and now Ditech used the same tactic delaying the paper work and denied the modification I see consistently I have Not received a fear treatment and after many attempts to solve the problem they have not respond in a way beneficial for both parties. 
I have copy of all documents from XXXX to green Tree to Ditech if necesary
Consumer complaint received 2022-06-16
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. (MI)

In Accordance with the Fair Credit Reporting Act 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 with my written instructions.
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

Equifax Will not Release my Credit report to XXXX XXXX XXXX. XXXX XXXX XXXX has called 5 times and I have called 6 times. I have been given different reasons as to why they will not release my report from incorrect address to a Fraud Alert. At the end of every phone call the representative guarantees me that the problem is fixed. We go to pull credit again and they are still not releasing it. My credit has been pulled by the same lender 6 times and each time equifax will not release my score. This action has caused me financial harm and emotional distress. I have attached a sample of my credit report pulled by my mortgage company, as you can see Equifax will not release my report.
Consumer complaint received 2023-01-11
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. (IL)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within XXXX days. 
See documents attached.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TX)

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 1

5 USC 1681. 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 2020-07-27
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

Wrong ss number, does not belong to me, emails and calls wont stop. Asked them to remove.. chat, email, and phone calls made to them to clear this up.. Not mine, they called my work, swore at me, on sundays, and after hours legal. I want it removed off all three credit reports and to be left alone! I have also disputed with all three credit reporting agencies. they have my last four as XXXX i think. so it is not me as the last digit is wrong. going on two years of this.someone mustve used in my name if they did. NOT ME
Consumer complaint received 2020-01-31
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (MD)

Good Evening, i had an account with HSN, their accounts were handled by XXXX XXXX and there was some type of merger with Synchrony Bank. 
I called XXXX XXXX  to get the remaining balance on the account was told the account was now with Synchrony Bank and that XXXX  no longer had any records and all records of the account are now with Synchrony Bank. 
Synchrony is telling me that they only have what is owed, no records of past payments or starting balance, etc. My issue is not that I owe money but the amount owed.I have talked to a number of representatives and I am getting nowhere! I even followed the steps stated on your website about my consumer rights as well as stating their obligations to me as a customer. 
Please help, thank you
Consumer complaint received 2018-05-01
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (MD)

I was approved a loan with this business under the advertisement no interest for 3 years. They have been adding late fees to my principal loan balance, which is causing my monthly minimum to go from the initial amount of XXXX dollars to XXXX dollars. Also they are double charging for the late fees and adding interest onto the late fees, so if I don't pay the full amount of late fees they will add another late fee to the loan balance. I have spoke to the supervisor who kept beating around the fact that they are using late fees as a way to make interest. it is very misleading
Consumer complaint received 2019-03-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP (IL)

US BANK reported me having a late payment for a vehicle that was already paid off I called us bank to have them fix the error rep was rude and didn't care to fix my problem as a result my credit is being ruined by an account that is paid in full I would like my credit report to be updated and late payment to be deleted
Consumer complaint received 2017-09-21
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. (GA)

I have made several attempts to rectify this matter with XXXX XXXX XXXX   and Equifax. I have notified XXXX XXXX XXXX and Equifax that this account do not belong to me. This account was opened as a result of identity theft. I have asked them to send me proof of my signature and they have not. I need your assistance in getting this account removed from my credit file. This is not my account.
Consumer complaint received 2024-03-08
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NJ)

The XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MA XXXX Dear sir, I would like to notify following incident at your shop, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX, NJ XXXX. I bought a blanket of XXXX by the price of {$24.00}. I tried to check the price at the website of XXXX, but I could not check it because of the internet problem inside of the shop. After I paid with the reward certificate of {$20.00}, which your company must have sent to me by email to answer my claim for refund of my unusable gift certificates in total {$20.00}. Then, I checked the price of my blanket at the website of XXXX and found out that tapestry blanket costed more than {$150.00}. I was so happy with this purchase, since the blanket was so soft and warm. However, after I returned to home, I realized there was another price sticker of {$19.00}. It is regrettable not to be able to know how much was in the shop, but I have decided to consider I have gotten this wonderful and comfortable blanket by the price of {$25.00} instead of {$150.00}. However, I believe it is necessary to inform your company this discrepancy of prices for future purchase. 
Sincerely,
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (CT)

When I reviewed my credit report I am disappointed because of these information still can be seen in there. I feel like I'm being taken advantage of for being ignored by my disputes. I'd informed you so many times that these items are apparently inaccurate and incorrect.
Consumer complaint received 2022-02-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ridge & Valley Realty, Inc. (CO)

Credit Systems Inc is claiming that I owe them {$570.00}. 

I actually paid {$790.00} to their client on the date of service, XX/XX/2018. 

I've attached my credit card statement showing that I paid for the services. 

This also proves that I am owed {$220.00} Please remit payment to my address of {$220.00}.
Consumer complaint received 2021-04-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION (WA)

In XX/XX/2021 a company hacked into my phone without my permission and gained access to my back account as I was trying to get the hacker out of my phone they went into all my bank accounts there were no funds in any account except for the navy federal account and at that time they used the zelles app in the bank app to with drawl money out of my account. I made a police report, reported it to the back. They denied the fraud claim stating it was my fault and then I appealed and with in a day or two they denied the appeal again saying it was was my fault. There was a police report and everything done. I did not authorize any charges. Please help
Consumer complaint received 2022-01-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NY)

The money that I send., seh did not load into my online acct. and after she received my money through direct bank transfer, she didnt reply to my chat. 

I used Moneygram to transfer money l
Consumer complaint received 2022-08-26
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law.I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed account on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that Equifax provide me copies of documents bearing my signature to verify the status of the disputed account. If the Credit Bureaus failed to comply with the condition and continuer the reporting of the disputed account, please understand I will seek legal action. I need the account corrected as soon possible XXXX XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : $ XXXX Late Date XX/XX/XXXX
Consumer complaint received 2020-07-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

XXXX XXXX bought credit card debt from Capital One and they re-aged the account from the last date of payment which was XX/XX/XXXX and the account was closed XX/XX/XXXX. XXXX  XXXX  bought the debt in XX/XX/XXXX and reported negative marks to my credit every month when I do not nor have I ever had an account with them. They re-aged the account with this new date of XX/XX/XXXX. This account was charged off in XX/XX/XXXX. 
I contacted all three credit bureaus with this information on XX/XX/XXXX and they failed to remove the erroneous information from my credit file. This has crime has damaged my credit and effects my ability to obtain credit. This is a concerted and illegal effort of the part of both companies. Currently I am not a member of the class action lawsuit about these dubious practices but I will be seeking a legal remedy in the future
Consumer complaint received 2018-12-13
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HEARTLAND PAYMENT SYSTEMS INC (CA)

I paid off the balance of the Federal Perkins loan under XXXX XXXX. I was told my debt would be transferred over to a new loan servicer, but I only had a small amount left to pay off. I received a notice form this new servicer XXXX ( website XXXX XXXX XXXX ) that I owe a larger amount, which was incorrect because the correct amount left to pay off was less. I called the company and they said that there may be a lag in communication during a loan servicer transfer, so the record would be correctly shortly. I then called XXXX XXXX, who directed me to call my school. I called my school ( XXXX XXXX ) and the loan department confirmed that the correct amount to pay off was the smaller amount. They told me I could pay off the balance with XXXX XXXX since the records weren't transferred to the new servicer yet, and that doing so would pay off my entire debt owed for this loan. I opted to pay off the entire balance with XXXX XXXX to avoid dealing with a new loan servicer, and I should have a {$0.00} dollar balance. 

I have just received a second notice with the incorrect balance from XXXX, with a message stating that my balance is 15 days overdue and they will have to report delinquent accounts to the credit bureau. I do not owe anything.
Consumer complaint received 2022-06-16
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. 
And also the following accounts too XXXX account # XXXX XXXX XXXX  account # XXXX XXXX  account # XXXX Chapter XXXX Bankruptcy Ref # XXXX XXXX XXXX account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 1604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-16
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. (OH)

In accordance with the Fair Credit Reporting Account the following accounts have violated my rights : XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, DEPTEDXXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX 15 U.S.C. 1681 section 602 A. States that I have the right to privacy 15 U.S.C. 1681 section 604 A. Section 2. States that a consumer reporting agency can not furnish an account with my written instructions.
Consumer complaint received 2020-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

Opened new account at suntrust bank, XXXX fla, on XX/XX/2020, checking. Needed to deposit cash, {$5000.00}. At that time, the agent of bank ( XXXX ), did not review with me the paperwork, therefore my email was wrong and my address, so could not get on line for info nor receive my my debit card, had to go back to bank to address the issue. And to this day have not received my bank card. On XX/XX/2020, deposited a check from XXXX XXXX  ( my account ) for {$50000.00}, the same day my money left XXXX XXXX. Suntrust  said funds wont be available until XX/XX/XXXX due to confidential information that it would not be paid. They already had my money. Called several times and left messages with the branch manager XXXX XXXX, never returned my calls. Went to bank, caught her outside and said why are you holding my money, you already have it, she confidential information said may not be paid, I, why wont you help me, She Ive logged all your calls and walked away.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (NY)

The Fair Credit Reporting Act encourages lenders to evaluate my credit score when extending for a credit to me because student loans are need-based loans. It has nothing to do with credit and should not be on my credit report. These details must be removed off my credit report right away.