davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-19
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. (TN)

I AM A VICTIM OFIDENITY THEFT. I WAS ADVISED BY THE FTC AS TO MY RIGHTS AS AN IDENITY THEFT VICTIM. I SENT AN AFFIDAVIT. I WAS CARFUL TO INCLUDE ALL FRAUDULENT ACCOUNTS AND ADDRESS WHICH NEEDED TO BE REMOVE FROM MY ACCOUNT. I WAS INFORMED THAT THE BUREAU AFTER RECEIVING PROPER IDENITY THEFT AFFIDAVIT. IT HAD BEEN SEVERAL MONTHS AND EQUIFAX CREDIT BUREAU SRE STILL REPORTING THESE FRAUDULENT ACCOUNTS ON MY  PROFILE. THE LAW IS VERY CLEAR AS TO THE CIVIL LIABILITY AND REMEDY AVAILABLE TO ME ( SECTIION 616 AND 617 ) IF EQUIFAX FAILS TO COMPLY WITH THE FEDERAL LAW. Equifax HAS FAILED TO COMPLY WITH THE FCRA LAWS AND THEY HAVE NOT BLOCKED OR REMOVED THESE FRAUDULENT ACCOUNTS WHICH WEREOPEN BY THE THEIF AND NOT ME. PLEASE CONTACT EQUIFAX ABOUT THEIR ILLEGAL BEHAVIOR AND HAVE THEM COMPLY WITH FEDERAL LAW AND RESPECT THE RIGHTS OF IDENTITY THEFT VICTIMS.
Consumer complaint received 2019-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NY)

I received notice from XXXX Visa Signature card by mail on XX/XX/2019, stated they send me new card with a chip technology. 
I called on same day to the number, listed on this notice and reported that I never applied for his card and/or received it. 
Representative, named XXXX, checked and let me know, the account has multiple addresses, including P.O.Boxes, which I never had and the e-statement was sent to the email address different then mine. 
XXXX transferred me to Synchrony 's bank fraud department, to person who reveal only her first name- XXXX , who guaranteed me, that this fraudulent account will closed immediately and I should receive a letter confirming status of investigation within 7-10 days. 
I never received this letter from Synchrony bank. 
On XX/XX/2019 I received alert from XXXX stated that credit score got decreased due to XXXX Visa Signature card over-limited. 
I called Synchrony bank right away to the number listed on the alert ( XXXX ) and found out, that XXXX-the person from Fraud department didn't close the account and the fraudulent charges been continued to applied. 
This is outrageous negligence, which is damaging mine credit history and score. 
Please help me to investigate thoroughly and restore my excellent standing.
Consumer complaint received 2019-04-22
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. (NY)

In late XX/XX/XXXX, I suspected my credit report from Equifax was mixed with another person 's file. I tried to access my credit report online, but I did not recognize most of the identification questions ( I believe those are records from that person ). To fix this issue, I requested the credit report by mail in early XX/XX/XXXX. 

I received my credit report on XX/XX/XXXX. The credit report only contains two accounts, one of which does not belong to me. I tried to submit an online dispute, but again, Equifax requested me to answer identification questions about the accounts that I did not open and are not shown on the credit report. 

I lived in XXXX from XX/XX/XXXX to XX/XX/XXXX, and moved to United States in XX/XX/XXXX. I suspect Equifax XXXX mixes my credit report and Equifax US is using those information. However, I am not able to request my credit report from Equifax XXXX now, since 1. I am not living in XXXX, and 2. my XXXX IDs expired. 

I've called Equifax in Early XX/XX/XXXX to address this issue, but they claimed they can not fix it because they can't identify me.
Consumer complaint received 2020-12-17
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: Experian Information Solutions Inc. (NY)

I have requested an investigation on XX/XX/XXXX in regards to my account with XXXX XXXX Account # XXXX I have not gotten any response back. 
I would like to point out other issues on the report : 1. Date of last payment differs 2. Date of open differs 3. Late payment date differs XX/XX/XXXX XX/XX/XXXX, Experian XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2019-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MI)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that SYNCB/CARE CREDIT has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-06-19
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO. (NV)

In XX/XX/XXXX I leased a vehicle from a local Ford dealership. The lease was provided by Ford Motor Credit ( FMC ). At the end of the lease I made numerous attempts to trade the vehicle in at several dealerships for other types of vehicles because I was over the lease mileage limit and the lease end purchase price was less than the trade in value of the vehicle. Both FMC and the local Ford dealership refused to provide a pay-off to the other dealerships. When I spoke to a FMC representative I was told that there was nothing in the lease that would prevent me from trading the vehicle because I had the right to purchase the vehicle at any time during the lease, however, any payoff amounts would have to be provided by the local dealership. The local dealership refused to cooperate, all the while stating that they would be happy to sell me the vehicle, which was not theirs to sell, but would not assist me with a trade to another dealership. I ended up doing a lease end return, and FMC subsequently billed me for the excess mileage in the amount of {$830.00}. I disputed the debt immediately and commenced litigation in XXXX County Justice Court against FMC and the local Ford dealership. In XX/XX/XXXX the litigation was settled, and as part of the settlement, FMC received the entirety of the amount in dispute. FMC never reported that the debt was disputed, instead FMC reported the debt as a chargeoff with a balance owed in the amount of {$830.00} even though FMC actively litigated the matter until the case was settled and was ultimately paid in full. I have since been in touch with FMC 's attorney, XXXX XXXX XXXX, XXXX. of XXXX, XXXX XXXX XXXX and requested a correction to my credit reports. Mr. XXXX has asked me for specific language that FMC should use to report the account to the credit bureaus. My reply to Mr. XXXX was, " Your client has a duty under the Fair Credit Reporting Act to report accurate information. They should be able to look at the account and figure out what they did that is inaccurate and get it corrected. I am not in a position to tell them how to do that. I am quite certain, however, that this account should not reflect anything negative on my credit reports. '' To which Mr. XXXX replied, " At such time you have a demand for my client to consider which would include specific requested credit language, let me know. Theres nothing more my client and I can do at this time. '' Apparently FMC feels that they are justified in reporting inaccurate and misleading credit information unless a consumer can explain to them their legal obligations in specific language.
Consumer complaint received 2019-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I had an issue with my Mortgage company XXXX XXXX XXXX which is now XXXX reporting a late payment in XX/XX/2017 which was inaccurate, I received a letter from the mortgage company saying that they sent in to all three bureaus to fix the derogatory remarks. Yet I see Transunion and XXXX is still reporting this under the XXXX. This is inaccurate.
Consumer complaint received 2016-01-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (SC)

During the year of 2014 from XXXX thru XXXX. I was making monthly payments to Green Tree Servicing LLC for my home mortgage. In XXXX 2014 I received notice that Green Tree was foreclosing on my home for not making payments. I was able to stop the foreclosure by signing a loan modification. Green Tree did not give me credit for the payments I made from XXXX thru XXXX even after I provided bank statements show them that the monthly payments were made. Since this problem started Green Tree changed names and now go under the name of Ditech Financial LLC. I was told by Green Tree and Ditech that those payments should be retuned, but to this date I have n't received anything.
Consumer complaint received 2019-06-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (TX)

I Went To XXXX XXXX XXXX & put a XXXX down payment on a vehicle my first month Carnote was due XX/XX/2019 my sales person instructed me to pay in cash XXXX to the dealership. On XX/XX/2019 my car was repossessed due to a 72 day behind payment which was the first carnote payment i called my bank and told them that i paid my dealership the first car note of XXXX and i have the receipt the bank stated they havent received anything, when i spoke with the dealership they stated that Santander bank took that out of there check, Santander bank wants me to pay off & also i am a first time buyer, they said it was a 24-48 hour investigation but it appeared on my credit in debt the same day
Consumer complaint received 2018-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NJ)

Hello, My husband and I had a mortgage through XXXX ( it was in his name ). After he XXXX XXXX   in XX/XX/XXXX, I took over as the executor of the estate. I purchased insurance through XXXX XXXX for the home in XX/XX/XXXX. However, XXXX purchased extra insurance on the home ( forced-placed insurance ) -- at an extremely high rate of {$11000.00} or so per year. They then increased my escrow and my total payment jumped significantly. We tried to resolve the issue with XXXX, but they have since then sold my mortgage to a debt collector, Bayview Loan Servicing LLC ( who currently hold the mortgage ). 

The loan number at Bayview is XXXX. 

The home address is XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Their customer service rep advised that if we could provide proof of insurance for the home for the period ( XX/XX/XXXX onwards ), we would receive a full refund for the forced-placed insurance. I have attached the proof of insurance to this email. The proof of insurance lists the my name + the Estate of XXXX XXXX XXXX ( my husband ). It fulfills all of the requirements they have asked for. This has been extremely difficult with Bayview. They have regularly not known Yet now they are refusing to provide the refund, arguing the insurance was not sufficient. Since its a significant amount of money I've been charged, I have been left with no choice but to file this complaint. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am writing to express my deep concern and frustration regarding the repeated unsuccessful attempts to remove a charge-off account from my credit report. Despite my persistent efforts to address this issue, the charge-off entry remains unjustly impacting my creditworthiness and financial standing. 

I have made multiple attempts to dispute and remove the charge-off account from my credit report. Each time, I have provided extensive documentation and evidence to demonstrate that the charge-off status is inaccurate and should be rectified immediately. However, to my disappointment, my efforts have been met with continuous denials and refusals to remove the charge-off entry. 

The presence of this inaccurate charge-off account has had detrimental effects on my financial well-being. It has unfairly tarnished my credit history, making it difficult to obtain credit, secure loans, and access financial services. Furthermore, it has caused significant stress and frustration as I continue to navigate through the dispute process without resolution. 

I urge your agency to take immediate action to address this matter. Specifically, I request that : The charge-off account be thoroughly reviewed and promptly removed from my credit report. 
A comprehensive investigation be conducted into the handling of my dispute, including an examination of why the evidence provided was not considered in previous reviews. 
Clear and transparent communication be provided regarding the steps taken to address my complaint and the measures implemented to prevent similar inaccuracies from occurring in the future. 
I expect a prompt and satisfactory resolution to this matter within the exact time frame of the receipt of this letter. Failure to do so will leave me with no choice but to escalate this complaint to the appropriate regulatory authorities and pursue legal action to protect my rights as a consumer. With this, I am asking for your assisstance to remove this accounts in my credit file : XXXX XXXX AUTO XXXX Balance : {$3800.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was paid as Agreed and I never missed a payment. Please update it immediately.
Consumer complaint received 2023-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Victim of identity theft this was not sent in error, and not a material misrepresentation To whom it may concern these items in my credit file are from unauthorized use of my social security number and card. i did not authorize these accounts to be taken out in my name nor they relate to anything i did. im unaware of any of this. Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2.
Consumer complaint received 2021-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my second attempt to resolve the issue with Transunion in regards to reporting consumer credit transactions on my report. Transunion is in violation of 15 usc 1681a ( d ) ( 2 ) ( B ).
Consumer complaint received 2022-02-02
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. (VA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 3. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, VA XXXX
Consumer complaint received 2019-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I sent both XXXX and TransUnion a request to provide me the original baring instrument that they had on file proving that they applied the accounts that were truly mine onto my credit file. I stated to both credit bureaus in writing that the FCRA Law Section 609 mandates that their agency have on file at the time of reporting a signed document showing that all accounts listed in my original letter were truly mine. However, both agencies have not provided me any documentation as required by the FCRA Law Section 609 stating that they have verified and have the written instrument showing that the accounts that I had in question belonged to me, which bared my original signature. However, both credit reporting agencies failed to send me the verified document, but instead, they just disputed the account with each creditor and then they lowered my credit score. I have also paid nearly {$8000.00} to one of my creditors ( XXXX XXXX XXXX ) in XXXX of 2019 and XXXX   still did not increase my credit score. They lowered it. I have been on the phone with XXXX  and TransUnion for several, several hours getting nowhere. Each representative appears to not be knowledgeable of the FCRA Law Section 609. They only offered to dispute the accounts that I listed on the letter I sent them certified. However, I did not ask them to dispute the accounts with the creditor, I specifically asked each Credit Bureau to provide me the proof of the signed instrument bearing my signature which they should have on file proving the account was mine. They have failed to do this and I would like the CFPB to enforce each credit bureau agency to comply with my request and since they do not have any proof that the account is mine to delete it off my credit file. I have attached the certified letters that were sent to both credit bureaus with this complaint.
Consumer complaint received 2019-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

transunion continues to report to creditors that I I am 30 days behind on all 3 of my XXXX  accounts. they refuse to provide specific dates and times because they have no evidence of any problem with any of these accounts for more than 7 years. XXXX XXXX says they have not been contacted by this credit reporting agency and I have been in good standing with them for more than 7 years. I have lost a lot of money because of these incorrect reports. They are not trying to look into anything and over respond with vague reports, '' same as XXXX '' when they never responded in that month. The accounts are XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX all XXXX XXXX accounts. Please make this company explain their actions. thank XXXX XXXX
Consumer complaint received 2019-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/XXXX I tried to access my account to review my transactions and a message popped up saying " we can't display transactions right now. '' We're working to fix this. Please check back soon. After trying for six days I contacted customer service on XX/XX/XXXX. I was told this is a system problem and they would EXPEDITE it. I have contacted them numerous times since with the same response and NO RESULTS. Here it is almost a MONTH later with NO RESULTS.
Consumer complaint received 2019-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I went to XXXX XXXX to ask about Phone plans, So I can compare to my current Phone Plan that I have. I informed the XXXX XXXX Staffer not to take any action before giving me all the options then I will refer to my budget plans and decide which way to move. He informed me that he will see my old pulled report of credit score! I told him to make sure not to hit my credit score, He said I will not i will look at the old one. I ended up having a hard inquiry on my credit score. He said sorry for the mistake but that not gon na help me remove his mistake off my records. Please help me.
Consumer complaint received 2018-11-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CT)

CFPB CASE NUMBER XXXX WFHM sent response to case and provided contact person name and number her voice mail states will call back within 24 hrs I've now left two messages for her and she refuses to respond XX/XX/XXXX and XX/XX/XXXX, voice mails left for her including the cfpb case number please help in simply getting the assigned contact person to respond here is here info listed from WFHM contact response letter they sent me XXXX XXXX XXXX ext XXXX thank you
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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