davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (MI)

For about a year since XX/XX/XXXX, I have asked them to let me work on refinancing the loan which would require doing so in person. However, due to the financial hardships of living in Washington state, I had to re-locate my family to the XXXX. OneMain Financial refused to allow me to move my account to another branch closer to where I lived. 

I have also been dealing with other personal matters that I've explained to them that have impacted my ability to pay at the moment ( needing to supply furniture for my kids, basis necessities after moving across the country ). They have now called me harassingly from XX/XX/XXXX to XX/XX/XXXX - a total XXXX times in that period. They know I work during those times as well. 

Here are the dates they've called from nine difference branch locations : XXXX - XXXX, WA branch XX/XX/XXXX, XX/XX/XXXX ( 3 times ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX - Auburn, WA branch XX/XX/XXXX XXXX - XXXX, OR branch XX/XX/XXXX XXXX - XXXX, WA branch XX/XX/XXXX XXXX - XXXX, WA branch XX/XX/XXXX XXXX - XXXX, WA branch XX/XX/XXXX XXXX - XXXX, WA branch XX/XX/XXXX XXXX - XXXX, WA branch XX/XX/XXXX XXXX - XXXX, WA branch XX/XX/XXXX When I finally had a chance to answer a call on XX/XX/XXXX, I brought up the number of call. They said they were allowed to call up to 5 times a day. When I brought up the Fair Debt Collection Practices Act states a violation would include calling 7 times within a XXXX period, they told me I had to make a payment by the end of the month or else. 

I will not accept this threatening talk from them when I brought up that I felt they were harassing me.
Consumer complaint received 2022-11-06
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: EQUIFAX, INC. (MD)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-04-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc. (PA)

I am lodging a formal complaint against medical data systems. medical data systems has continued to report a debt for {$300.00} on my three credit reports that isn't mine. ive sent this company debt validation letters and they have continued to ignore my debt validation, but are still reporting every month which is a violation of the fcra. This debt is stopping me from purchasing my first home. I am demanding this company delete this account that doesn't belong to me from my credit reports. I will have to sue medical data systems if they don't delete immediately. as they continue to violate the fcra and my rights. thanks for your time!
Consumer complaint received 2023-10-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (OH)

A collection account from National Credit Adjusters appeared on my credit report XXXX of XXXX for {$350.00}. This resulted in my score dropping XXXX points with XXXX, XXXX points with XXXX and XXXX points with XXXX. This inaccurate information along with the decrease in my credit scored caused a denial for a new mortgage for my family. I reached out to the creditor on XX/XX/XXXX with a certified letter ( XXXX Certification # XXXX XXXX XXXX XXXX XXXX ) requesting proof that I signed documentation with this creditor and instructed the creditor to notify the XXXX credit reporting agencies that this was an error. The creditor did not respond. I am now receiving phone calls from the creditor. On XX/XX/XXXX at XXXX XXXX  I spoke to a representative on a recorded line and advised that the debt was not my debt. The representative noted the account. I am currently reaching out to an attorney to submit a claim for Defamation, Negligent Enablement of Identity Fraud, and Violations of the Fair Credit Reporting Act. These violations may result in at least a {$3000.00} fine.
Consumer complaint received 2023-08-23
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: FIRST CITIZENS BANCSHARES, INC. (IL)

In XXXX XXXX XXXX  I applied to a CIT Savings account. I received an error while submitting my application ( see attached ). I called customer service and reached a representative named XXXX. She advised me to mail a message to the XXXX office requesting needed information to continue my application. I mailed the letter the following day ( see attached ). 

Over three months later, I have not received clarification or a response from the bank as to why I could not open a savings account.
Consumer complaint received 2023-07-26
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. (NC)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2019-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XX/XX/2019 XXXX XXXX reported a late payment that was inaccurate and the reporting agency keeps reporting it. the XXXX XXXX  balance was paid off in full and had a XXXX  balance. XXXX XXXX went ahead after that fact and charge some random fee that I wasn't aware of and that's the reason they use to say am late when I wasn't.
Consumer complaint received 2019-04-08
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. (MN)

Suddenly I had 2 collection from XXXX XXXX XXXX now theres 7. I contact them they say theres nothing with my name I received mail from them my address someone elses name and I have lived here for 10 years. I dispute with Equifax 7 times each time exactly 3 days later comes back verified but I dont get any documentation that the debt is mine. I am at my wits end because I know its not my debt and no one helps nor do they send me documentation which is my right!
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Despite numerous correspondences and persistent efforts, it appears that the fraudulent items have not yet been removed. I kindly request that you escalate this matter and exhaust all available avenues to thoroughly investigate and remove these fraudulent items from my credit file. Transparent communication regarding the progress made and the actions being taken to resolve these issues would be greatly appreciated. 

I understand that addressing cases of fraud can be complex, but it is essential that we work together to expedite the resolution process. Your cooperation and assistance in this regard are crucial to achieving a satisfactory outcome. With this, I am asking for your assistance to remove the fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-04-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC. (GA)

Hi, My roommates and I were once residents at XXXX XXXX XXXX in XXXX, Ga. When we moved out, yes we left items in the apt , but we thought if anything they'd take it out of our deposit, in which we didn't receive. It was literally in maybe late XXXX, early XXXX, we first received any contact regarding debt collection. If we'd known about the collection, which is in the amount of {$910.00}, we'd handled it accordingly, but in the midst of moving we didn't receive a letter or email regarding any new collections. Since then, we've received countless calls and each time that we negotiate to set up a payment plan, they try to intimidate us by making us pay during the phone call. I've even contacted our previous complex numerous times and can never get into contact with anyone to discuss an arrangement. In short, we'd like for the collections to be dropped or reduced because of the lack of awareness from XXXX XXXX and the debt collection agency. 

Thank you.
Consumer complaint received 2019-04-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HomePlus Corporation (TX)

I am a first time home buyer that began shopping around for a home mortgage loan. I made contact with XXXX XXXX of HomePlus Mortgage. On XX/XX/2019 XXXX XXXX had me sign documents that required me to provide a credit card for a {$500.00} appraisal and sign an intent to proceed despite not receiving a loan estimate. The document 's wording was as such : " By signing below, I/we express intent to continue with the application for which a Loan Estimate was issued on ________. '' No date was given because I had not received a loan estimate. The document for the appraisal fee also contained wording requesting a contact number and best time to contact me to " schedule an appointment. '' I expressed my concern to Mr. XXXX about paying {$500.00} for the appraisal and he advised that I would not be charge until the disclosure. On XX/XX/2019 I received the loan estimate from HomePlus Mortgage. On XX/XX/2019 I advised Mr. XXXX that I would be reviewing the disclosure with my wife. After comparing HomePlus Mortgage 's loan estimate with other mortgage lenders I advised Mr. XXXX on XX/XX/2019 I declined his offer and that I would be working with another loan company. Between XX/XX/XXXX and XX/XX/XXXX I had no conversations with anyone from HomePlus Mortgage indicating that I accepted the loan estimate. On XX/XX/2019 I received a text from Mr. XXXX stating that I gave him fake credit card number and demanding {$500.00} for the appraisal. I indicated to Mr. XXXX that I did not give him a fake credit card number but had cancelled said credit card and that I never accepted the loan estimate HomePlus Mortgage. When asked when he ordered the appraisal Mr. XXXX refused to answer. HomePlus Mortgage continues to demand {$500.00} and threatens to send the matter to a collection agency and/or contact the police for " fraud. ''
Consumer complaint received 2019-04-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (NY)

XXXX XXXX XXXX charged a {$2.00} interest fee in the XXXX statement on debt that was paid in full on XX/XX/XXXX, which is the previous billing cycle. The customer service representative told me that was an attempt to collect, but allowed me to dispute the charge. However, I do not believe that practice is or should be legal. The only reason I notice the charge was that I had no purchases in the following months. I believe this is an obscure fee and it leads to consumers paying interest on debt that was paid in full.
Consumer complaint received 2019-04-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONGRESS COLLECTION CORP (MI)

Congress Collection has reported to my credit that i have unpaid. as soon as i received a letter from them only stating they were attempting to collect a debt, i submitted that to my attorney who stated they needed to provide documentation within 30 days. over 90 have gone by and i have not received anything from congress collection. no phone calls or letters. i requested proof of validation and by them not submitting it within 30 days and then reporting me to my credit bureau is a violation of the law. this has damaged my credit score at a time i can not have it damaged. i need immediate assistance in the matter as i am attempting to get a mortgage and with this illegal reporting affecting my score i am unable to.
Consumer complaint received 2019-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Messerli & Kramer P.A. (WI)

XXXX I opened a XXXX XXXX Card which was set up as auto pay and all of a sudden they weren't taking my payments from my account and years later they are garnishing my wages. I attempted to reach out to them many times within those years and I could never reach anyone, I was placed on hold many times and hung up on for no reason I never got to speak with anyone. I have not heard from them until this garnishment comes through work 4-5 years later.
Consumer complaint received 2019-04-08
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. (TN)

On XX/XX/XXXX, I contacted all three major credit bureaus because I am a victim of Identity theft. I included 3-police reports, and ID Theft affidavit as well as information regarding the accounts. XXXX  and XXXX  updated my accounts and removed XXXX XXXX XXXX XXXX from my report. Equifax refused to do so and said the account has been investigated, dispute XXXX. On XX/XX/XXXX, I send another letter via fax requesting information for how the matter was investigated, who did they speak too per the FCRA. As of now they are in violation of the FCRA 168i and I would like to start the process of getting information for my lawsuit against the company. They responded back to me via email saying the dispute has been resolved. I have attached my other credit files showing the information has been deleted. I am requesting the name of the individuals they verified this information as well as their address and phone number so that I can follow up. XXXX XXXX XXXX for {$4700.00} is a fraudulent account and a XXXX  XXXX Representative XXXX XXXX, ID XXXX stated to me that they have corrected this information with the Credit bureaus and Equfax is refusing to update their information.
Consumer complaint received 2019-04-08
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: EQUIFAX, INC. (TX)

Equifax enclosed are documents that XXXX is false and misleading you in a fraudulent account against me there real name is XXXX and I disputed this a few years back and { you removed it from my credit report } 15U.S.1692e this is why they refuse to disclose any documentation, not even XXXX of Texas nor the alleged hospital enclosed CFPB documents showing my case. All three have been contacted through the CFPB and not one will show documents as evidence JUST like a few years back there is no documents proof of service nothing. I know you state that it is not reporting but it shows on XXXX XXXX your site if it's removed then this is for your information of there fraud, if it's still on my report then please remove it as you did before, lack of evidence, No documentation, refusal of response to CFPB
Consumer complaint received 2020-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY (FL)

Yesterday l received a letter stating a receipt of my inquiry from Wells Fargo that stated they would contact me by XX/XX/XXXX or before between XXXX. Wells Fargo did not contact me within the time frame that they have stated and is calling my house out the appropriate time frame. 

Also calling my house and not leaving a voice message which is very unprofessional. 
Attached is a photo of the phone log proving that she called my cell phone outside the time limit that they agreed to.
Consumer complaint received 2018-11-19
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: Synovus Bank (GA)

XXXX  has been non-compliant with removing the unverified account SYNOVUS BANK XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that SYNOVUS BANK XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2021-05-10
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: EQUIFAX, INC. (LA)

XX/XX/ 2021 way over 90 days ago and I have not received no investigation results, I am being totally ignored and treated with no respect of my rights, concerning illegal reporting activities from the bureaus. I sent certified return receipt dispute letters out to Equifax, XXXX and XXXX regarding personal incorrect personal information and another inaccurate account listing as a repossession on my credit report. It is in Violation of The Fair Debt Collection Practice Act section 807 violation misleading and false reporting, this account is inaccurate and I am seeking litigation with proof of the letters I sent out and demand it be removed from my credit report at once.
Consumer complaint received 2019-04-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (TX)

I submitted a Mortgage Modification to Freedom Mortgage in XX/XX/XXXX-XX/XX/XXXX ( Can't remember specific date ). During that time I also was working with a realtor to sell my home instead of it going into foreclosure. I called Freedom mortgage to advise of my house being on the market to sell and continued to keep them informed on the process. In XX/XX/XXXX I called Freedom mortgage again to advise them that I had a buyer and due to close at the end of XX/XX/XXXX and the agreed selling price was XXXX which would've paid off my loan of {$10000.00} in additional to the {$45000.00} I was behind. The title company had been working on the closing since XX/XX/XXXX and paperwork was finished as of XX/XX/XXXX. We were now set to close in the beginning of XX/XX/XXXX in which I again advised Freedom Mortgage. In the interim I received a letter from Freedom Mortgage dated XX/XX/XXXX and dated XX/XX/XXXX by the post office. The letter stated the review of my hardship assistance was completed but unfortunately they were unable to approve the request due to insufficient time to review. The Foreclosure date was XX/XX/XXXX. 
Again, I kept Freedom Mortgage in the know of the whole selling process. Due to the foreclosure I lost a gain of {$40000.00} and now the Foreclosure is on my credit. I continued to keep Freedom Mortgage in the loop at all times during the sale process. I want to be compensated and the Foreclosure taken off of my credit report.
Consumer complaint received 2019-04-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AL)

We Have a Mortgage with LoanCare and they are refusing to pay my property taxes with our escrow account. It was due in XXXX of 2018  and it is XXXX and the taxes still have not been paid. We have attempted to contact them multiple times and every time we get the same answer, they would escalate it and get it resolved. It still hasn't been resolved. They did the same thing to us last year and this year we are facing court for unpaid property taxes.
Consumer complaint received 2019-04-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Harpeth Financial Services, LLC (VA)

Well I sent over a copy of my ID, bank statement. The company said I was approved for a line of credit of {$350.00}. I talk to one of their representatives and he told me all I had to do is send over a copy of my pay stub. I sent that over and call back again. I talk to another representative and she said it will take 45- 1 hr to see if I was approved. I never received any info from them so I called back 5hrs later and they said I wasnt approved. I asked they why not? They told me because they said they needed a copy of my SS card. Right then I know it was a red flag because I never had to use my SS card for any loan.
Consumer complaint received 2019-04-08
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: JPMORGAN CHASE & CO. (MA)

I have some issues of delinquencies on my credit report that I would like to have verified in writing from CHASE. 

CHASE CARD XXXX XXXX XXXX XXXX, DE XXXX The following dates of delinquency were reported : XX/XX/XXXX : 30 days XX/XX/XXXX : 60 days XX/XX/XXXX : 90 days XX/XX/XXXX : 120 days XX/XX/XXXX : 120 days