davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, AND XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 6802 Any financial institution is forbidden from sharing my information with third parties.
Consumer complaint received 2022-05-05
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. (IN)

In accordance with the Fair Credit Reporting act XXXX Bank account # XXXX, XXXX Bank account # XXXX, XXXX XXXX account XXXX XXXX, XXXX XXXX  XXXX account XXXX XXXX, and XXXX XXXX XXXX account 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2022-05-05
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Stellantis Financial Services US Corp. (CA)

This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. There has been unauthorized used of my information and credit report. 


XXXX XXXX XXXX XXXX XXXXXXXX. {$0.00} Acct # : XXXX
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

After reviewing my credit report, I am not happy to see the below items that are still showing in there even though I have informed you that they are in accurate and detrimental to my credit score.
Consumer complaint received 2022-05-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Hello, it has been brought to my attention that CFPG has found that Bank of America was in violation of the law for processing illegal, out-of-state garnishment orders against customers bank accounts and that is exactly what has happened to me. I am inquiring to find out what my rights are and how I can request that these illegally seized funds can be lawfully returned to me. Please provide me with any direction/guidance as to how to proceed to ensure that my case is considered and included in this case. 

Thanks so much, XXXX XXXX Washington XXXX DC
Consumer complaint received 2022-03-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Grain Technology, Inc. (GA)

Ive started emailing this company on XX/XX/2022 to close my account. Ive sent over 15 emails and none has been responded to. Since then on XX/XX/2022 they have charged my account a yearly fee of XXXX XXXX. I cant even withdraw credit and it says my bank is no longer linked which I find it funny they were still able to receive my money. Every time I try to connect my bank it gives me an error message and say we are working on this problem.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Capital One Auto Finance repossessed a vehicle that was in my possession on or around XX/XX/XXXXin Louisiana. Under the laws of the State of Louisiana UCC and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. I was never received a certified letter nor any other type of correspondence or notice to reposes before the vehicle was taken. I have sent several letters to Capital One beginning from date XX/XX/XXXX up until the last letter which was sent XX/XX/XXXX. I requested a copy of the letters that they claimed to have sent to me. They letters that they said where sent out, where sent to an unknown XXXX XXXX that is NOT affiliated with me nor my spouses credit file. The address was not known by either of us and has never been an address affiliated with us which means we never knew that the vehicle was in repossession status. I sent an email to the CEO of capital one auto finance on or around XX/XX/XXXX in hopes that he would look further into the matter. He only sent copies of what was mailed out to me, but that did not prove that they where sent to the correct address. The repossession is still showing up on my credit report as a charge of.
Consumer complaint received 2015-06-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I applied for a wellsfargo mortgage modification program and I was denied. I have a surplus of income at this time and was denied. I do not understand why I can not find an reasonable option for me and my mortgage company wellsfargo. I will go to the media and provide them the my documents to show them my ability to pay.
Consumer complaint received 2022-10-24
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. (CA)

I'm filing this report because I have been a victim of identity theft for a very long time. I have literally contacted every creditor regarding this matter because this issue has been taking place for a very long time. My personal information has been compromised from the first month that I arrived to the United States. I arrived to the XXXX at the state of California at the end of XX/XX/XXXX and ever since I lived in the state of California. At XX/XX/XXXX, identity thieves used my personal information such as social security, name, date of birth and etc. to open multiple accounts with XXXX XXXX. Later, they used my information to open an auto lease using my personal information with XXXX XXXX XXXX. When I contacted XXXX XXXX SERVICES to inform them of this fraudulent activity recently they told me there is a balance over {$8000.00} and it needs to be paid by me. I informed them that I never leased or bought a vehicle with XXXX because I can not afford a XXXX and that is the harsh reality. However, they still insist that the account is mine. I never signed any documents with XXXX and I never leased a vehicle with them because I know my financial capabilities and I can not afford a XXXX. XXXX is refusing to even conduct an investigation. This is an identity theft matter and XXXX representatives are taking this as a joke and not even complying with my request to remove this derogatory account from my records. If this is the case of an identity theft or case of mistaken identity it does not matter to me. I request that this vehicle loan is removed from my records because I never leased or bought a XXXX. I've been told the vehicle is a XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-05-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (WA)

I had my backpack stolen from me which had sensitive information including my social security number and XXXX XXXX card in the bag. There were numerous add cash charges made that were not my charges. I started a dispute with XXXX. They did NOT provide me the temporary credit to my account within 10days like their policy stated even after sending them the written statement outlining the transactions. XXXX did NOT send me any documents or tell me the status of the dispute within the 3days of reaching a decision like they stated they would. 

Now I have XXXX telling me the dispute was not in my favor and that no error occured. I contacted XXXX XXXX  however who has assured to me that they in fact did reverse the transactions and the funds were sent back to XXXX. 

XXXX refuses to allow me to speak to anyone in their dispute department and they keep sending me the same repeat copy and paste email saying the dispute was not in my favor and though I have provided them with proof several times that the merchant assures the money was sent back to XXXX I have still not received any credits. At this point I have {$1800.00} missing because of XXXX with no explanation as to where the money went!!
Consumer complaint received 2022-05-05
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. (PA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original XXXXonsumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below 1. XXXXXXXX XXXX XXXXXXXX 2. XXXX OF XXXX XXXX 3. XXXX XXXX 4. XXXX XXXXXXXX 5. XXXX XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX
Consumer complaint received 2022-05-05
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: CITIBANK, N.A. (TX)

Inaccurate date on last payment.Last payment was made on XX/XX/2015 but creditor has reported XX/XX/2015. 
Reporting credit company has no done sufficient investigations
Consumer complaint received 2023-12-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Revenue Cycle Associates, Inc. (SC)

I received a debt collection notice in the mail for XXXX dollars. I contacted the debt collection and they said it was taken out in my name. The card company was XXXX XXXX. I have never had an account with them.
Consumer complaint received 2022-05-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (GA)

I was out of work  and got Covid deferment XXXX and I was unable to pay in full so I have been trying for a loan modification since then bc I started a new job XX/XX/XXXX. I complete the packet with all the docs faxed on XX/XX/XXXX and mailed and call XXXX to confirm receipt on XX/XX/XXXX which I was told it was in the system as yet. I called on XX/XX/XXXX and was advise to give it XXXX weeks because it went in in the system XX/XX/XXXX and that they are waiting for IRS docs XXXX Since then I havent received any communication so I called today XXXX was advised that the packet was incomplete and inactive bc line 3 of the XXXX was missing my name so I need to start over. This is unfair, misleading and deceptive I need help
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (CA)

Company informed me that they had a security breach and that they were willing to check if my account was affected. I decided to check if my account was indeed affected and entered my information. Without my consent and without informing me of this action, Equifax decided to enroll me into a program with no way to opt out. All of this occurred on XXXX XXXX, 2017 on the website https : //www.equifaxsecurity2017.com.
Consumer complaint received 2017-09-08
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: Commonwealth Financial Systems, Inc. (FL)

Commonwealth financial services continues to report me to XXXX, XXXX, and XXXX via XXXX XXXX XXXX XXXX. I dispute the report and each time the reports were removed only to reappear with a different dollar amount owed. I believe I 'm being targeted as identity theft, fraud via cybercrime
Consumer complaint received 2017-09-08
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (AR)

My name is XXXX XXXX and i bought a {$50.00} XXXX gift card from an XXXX XXXX near my house ( Address : XXXX XXXX XXXX  XXXX XXXX, AR XXXX ) and since i bought it it has not allowed me to use it or activate it at all. When i call customer service they tell me my card is expired and empty ( i never used it and it should never expire ). I need help because i need to pay my bills with that money and im really stressed out.
Consumer complaint received 2022-05-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (FL)

Sent a Request for Validation and Verification on XX/XX/2022 and I want it to be known and Resolved Asap!! immediately!!!. 

Americollect has account on my credit that is not mine/inaccurate/fraud. Company has Been posting Double Jeopardy onto my Credit report and has not sent me any legal or any documents validating and/ or verifying with my WET INK signature that i owe this date, i am the person behind this debt, or this is not a debt that was not committed fraudulently without my WET INK signature was giving a BILL as VALIDATION that violate my HIPPA PRIVACY RIGHTS.I WILL ATTACH DOCUEMNTS PROVING THIS IS A VIOLATION OF MY HIPPA RIGHTS AND NOT SATISFACTION FOR VALIDATION OF DEBT WITHOUT MY WET INK SIGNATURE BUT JUST A BILL. ALONG WILL BE ATTACHED MY CREDIT REPORT AND MY IDENTITY THEFT REPORT WITH ALL OF THE REPORTING VIOLATIONS MADE ON MY ACCOUNT AS WELL SO I WILL MOST DEFIENTLY WANT ALL THE ACCOUNTS DELETED IMMEDIATELY PERTAINING TO YOUR COMPANY AND PRIVATE INFORMATION!!!!!
Consumer complaint received 2022-05-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (SC)

For over two years I have been trying to set up arrangements for my student loans with Navient. Representatives hang up on me and put me on hold and if I dont hang up they do. They are reporting as defaulted/ charge off but they not assist me in anyway. No payments were made when it came out of deferred status because I can never get any assistance.
Consumer complaint received 2017-09-08
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: EQUIFAX, INC. (TX)

Acct Service {$65.00} Opened XX/XX/XXXX XXXX XXXX  {$3700.00} Opened XX/XX/XXXXXXXX XXXX XXXX {$1800.00} Opened XX/XX/XXXX XXXX XXXX {$1200.00} Opened XX/XX/XXXX U.S. Bankruptcy Court Reported on XX/XX/XXXX XXXX XXXX  {$250.00} Opened XX/XX/XXXX
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (TX)

Acct Service {$65.00} Opened XX/XX/XXXXXXXX XXXX  {$3700.00} OpenedXX/XX/XXXX XXXX XXXX XXXX {$1800.00} Opened XX/XX/XXXX XXXX XXXX {$1200.00} OpenedXX/XX/XXXX XXXX XXXX {$250.00} Opened XX/XX/XXXX U.S. Bankruptcy Court Reported on XX/XX/XXXX
Consumer complaint received 2015-04-21
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

Hello, my name is XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX, CA. phone number XXXX. Approximately one year ago was was laid off from my place of employment. I immediately notified my Mortgage company, Ocwen Loan Servicing. LLC. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Fl XXXX, phone #. XXXX, Loan # XXXX. They told me I was eligible for a loan modification. They said they would help me by sending me the necessary documents. They did and I filled them out. I also asked for help with XXXX, ( XXXX ) at XXXX XXXX XXXX XXXX, XXXX. XXXX, XXXX. Ca. XXXX A very nice woman named XXXX XXXX was assigned to my case. Her phone number is XXXX ext. XXXX. She worked directly with Ocwen, they worked together to get the Loan Modification. They told her I would definitely get the Loan Modification. But unexpectedly, I was turned down. They said because I was on Social Security and did n't make enough money to be approved for the Loan Mod. My SS is $ XXXX/month and I also get $ XXXX/mo from another home I own that I rent out. Altogether I make a total of {$3100.00} per month. We told Ocwen this and they even said that was enough to get the Loan Modification. XXXX told Ocwen that they notified her that the money I made each month would be enough to get the Loan Mod. Also XXXX XXXX applied for XXXX, XXXX, for me. I was approved by XXXX for approx. {$25000.00} which would have more then paid what I owed Ocwen. But Since Ocwen did not approve me for the Loan Mod, I could not get the {$25000.00} from XXXX. Ocwen admitted to XXXX XXXX, that I should have gotten the Loan Mod and that it was THEIR ( Ocwen 's Error ) that prevented my getting the Loan Mod. Ocwen told XXXX XXXX they would apply again for me to get the Loan Mod. Therefore, XXXX XXXX also had to apply again to XXXX for the monies to pay off my loan. Both XXXX XXXX and I have been working with Ocwen for the past year. Ocwen told us that they definitely would not foreclose on me because of their error. But today XXXX XXXX, 2015, I got notice that Ocwen was starting Foreclosure proceedings against me. Ocwen has constantly lied to both XXXX XXXX and myself during the past year, making it very difficult for me to get the Loan Modification. I definitely need your help very much to right this wrong and to save my home from Foreclosure ...
Consumer complaint received 2024-02-07
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: PLANET HOME LENDING, LLC (AZ)

The representative I spoke with from Planet Home Lending was unable to explain why their online portal was not allowing me to schedule a payment from XXXX on a due date of XXXX, considered late on XX/XX/year> for an account in good standing ( NOT late ). Furthermore, I can't even look at payment dates in XXXX, as their system will not allow it. I've experienced other restrictive practices surrounding their payment portal/process, but this one is ridiculous.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: I.C. System, Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XX/XX/2023 I'm writing to say that the law, called the Fair Credit Reporting Act, protects my privacy. It says that companies like XXXX and XXXX, which share people 's financial information, must be fair and respect my privacy. Another law, 15 USC 6801, says that financial institutions, like the ones sharing my information, have to protect my privacy. I don't want them to share my information, and they need my permission to do so. Even if they had my permission before, I'm taking it back now. 15 USC 6802 says that a financial institution can't share my private information unless they explain how I can say no. They never told me I could say no. Moreover, another law, 15 USC 1681C, says that they can't share negative information about me without my permission. But they're doing it anyway, which is against the law. There are more laws, like 15 U.S. Code 1681s2 and 15 U.S. Code 1681e, that say companies like XXXX and XXXX must be careful and accurate when sharing information. But it seems like they're not following those rules. One more thing, according to 12 CFR 1016.7, I can choose not to let them share my information at any time. So, I'm choosing not to let them do it anymore. Thank you for understanding. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-05-05
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. (AL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX  depressed now.with no help.
Consumer complaint received 2019-07-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (DC)

I have disputed the late or missed payment for the last 6 years. After reaching out against to dispute the late payment the process has taken more than 3 months to complete. After checking the error still has not been resolved.