davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-01
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)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX : {$390.00}
Consumer complaint received 2019-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

This is an on-going issue that's been going on since XX/XX/2018, under Certified Mail # XXXX when the respondent received my complaint ( Exhibit A " Letter to Update Information XXXX ( Official ) '' ). Experian has ignored my request and continues to leave variations of my name and old addresses that I've asked them to remove ( Complaint because of past legal problems I've experienced with old addresses. They continue to report that information even though legally, they have a responsibility to remove what I ask them to. The report belongs to me so I get to dictate how I want all my personal information is reported! They are openly violating Fair Debt Collection Practices Act 807 ( 8 ) and Fair Credit Reporting Act 623 ( a ) ( 3 ). Attached is their most recent credit report still showing the variations of my name and old addresses showing.
Consumer complaint received 2020-02-07
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: ENCORE CAPITAL GROUP INC. (FL)

I have disputed two Midland collection accounts on my credit stating that they are not my account this is fraud. Numerous times they have stated that the account is mine. I told them the account is not mine and I know who open the accounts in my name and that I just want it off of my credit so I was told to file a police report in the police told me to come on here.
Consumer complaint received 2019-10-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Alliant Capital Management LLC (UT)

I received a phone/voicemail call on XX/XX/2019 asking for my ex-husband to called back. I called to tell them that they had the wrong number and that I do not know anything about what was going on. or the person they were inquiring about. I asked them to take me off their list, and they said that they would not and that they would continue to call unless I gave them the information they were searching for. 

They asked me if I knew the person and I told them that it didn't matter if I did or not, i just wanted the calls to stop. I told them that it didn't matter whether I knew the person or not, It is not even my issue and they are harassing me. They called me a liar and said that the calls would not stop. 

I have had a problem with debt collectors before for my Ex - I know nothing and I do not want to be involved. Now they have started over. If I block the call- they call back on another number. The message said that it was XXXX XXXX from Alliant Capital, when I called back for the name they said Capital Management. 

Phone Number that called today is XXXX. They requested that I call XXXX.
Consumer complaint received 2019-04-12
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. (VT)

problem whit XXXX loan servicing on my credit report about every 2 to 3 month show 30 60 90 days late on payment i alwais pay my paiment on time my credit is very lo because of them they add fee on my account for nothing they call us avery day 7 day a week for a year or more this month my payment go up over {$200.00} is t a nightmare whit them i think they XXXX  people lef and right i try to fine a lawer to file a sue again them but no success yet
Consumer complaint received 2017-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NY)

I opened a personal loan with  One Main Financial  in early  2017 . I reviewed my credit reports earlier and noticed tha t One Main lis ted   XXXX  s eparate accounts on my  XXXX  and   XXXX   credit report s. One  of the account listed an account that was open for a month and then sold to another lender. A new account then appears which is the one which is still valid. I Only opened a single account and do not wa nt  XXXX   accounts listed on my credit report.
Consumer complaint received 2019-05-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (CA)

I am currently receiving collection letters from XXXX XXXX ( collection agency ) on behalf of XXXX XXXX. XXXX XXXX is attempting to collect {$4200.00}. They are claiming the loan was taken out on XX/XX/2018. 

This loan was never authorized on my behalf and believe this is a result due to identity theft. I have never taken out a personal loan in the last 11 years of my credit history. 

My first attempt i contacted XXXX XXXX to notify them that this collection is fraudulent. They did not want to hear my complaint. 
I then made a dispute claim with XXXX but they were not able to successfully close the dispute.
Consumer complaint received 2018-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (TX)

I have requested the negative information reported on the 3 credit bureaus to either be removed immediately, or for Chase bank to show me where I personally requested, authorized or signed for this credit card. I have been asking for this information for 2 years. The negative information " appeared '' on my credit report in XX/XX/XXXX. Prior to that, this information was never on my files. Also I had over 10 other accounts with Chase ( several autos, 2 home loans, other personal credit cards, an SBA loan ) totaling over {$500000.00}, as well as checking, savings and investments with Chase. ( They all are excellent pay with never a missed payment. ) I was never contacted by email, regular mail, phone or fax that this account was ever late, or being charged off. I never received any type of bill on this account, ever. The first time I knew anything of it was when I got an alert from a monitoring service indicating my score had dropped almost 200 points. Chase had all of my contact information and failed to ever contact me. 
I have requested numerous times for Chase to show me the evidence that I signed for this credit card, and they never have. They simply reply to the credit bureaus that it is mine, without proof. Recently they have " updated '' my report to show that it was paid " on time '' going back to XX/XX/XXXX. This was never part of my file, and was not on my file until XX/XX/XXXX when they listed it as charged off. Look back prior to then and you will not find this credit card on my file. This is a recent " addition '' by Chase. 
On my last complaint, Chase first of all said on their 15 day report that they tried to call me at a number that is bogus. My correct number is on all 3 credit reports. It is XXXX, and has been for years. Now as a final response, they claim they can't respond to me personally because I am represented by an attorney. I had an attorney try to get information last year, and he was not successful as Chase ran him around to over 20 different departments. He gave up. They also claim they responded to him, and that never happened. 
I am not represented currently by any attorney and ask that they deal and respond only with me. 

I am asking again, for the 20th time, PLEASE provide proof that I signed for this credit card or immediately remove it from my 3 credit bureau files. 2 years is long enough for Chase to deflect the truth and not respond.
Consumer complaint received 2023-03-20
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. (NY)

I have been researching my consumer rights for the purpose of preparing this letter today. I have found information listed in the Fair Credit Reporting Act Title 15 U.S.C 1681 that is applicable to your responsibility as a credit reporting agency. In summation, these sections require that you conduct an investigation to determine the validity and accuracy of the items I am disputing. If you are unable to successfully prove them with verifiable proof, then you must remove them within 30 days of receipt of this letter. Please also note that verifiable proof includes all of the original documents, signatures, etc. that claim to be associated with each account aforementioned. I will not accept 3rd party verifications.

In your correspondence, please include any and all evidence including the original signed documents. I have done my research and I know that you may use an electronic verification system from a third party to verify the accounts below. However, that will not suffice in this case because I am requesting copies and any and all original documents ( including original signatures ). 
Your failure to positively verify these accounts in the first place has impacted my ability to be trusted by potential creditors and progress in my life. Under the law aforementioned, unverified accounts must be removed. If you choose to keep these items on my credit profile, then I demand a copy of any and all of the verifiable proof that you claim to have. Please also remove any inquiries from my account that are not applicable to my credit profile.
Consumer complaint received 2019-04-12
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I checked my credit score status in XX/XX/XXXX and it shows a closed credit card account from bank of America. I have never opened a credit card, checking or savings account with them so I called their 1800 number and they couldn't find me in the system with my SSN # but they found me with my name last name and date of birth with a different social security number I dont recognize because it doesn't belong to me. The ssn # I provided when my information was being verified didnt match with the one they have in their system. I dont understand how is going to affect my credit if they dont even have my SSN # in their system, Why they didnt report it using the ssn # that person used in XXXX?. I wasnt even living in XXXX back in XXXX I came from XXXX XXXX in XXXX. 
This only was reported to XXXX, It was never reported to XXXX or XXXX. I have been submitting several fraud disputes with XXXX since XX/XX/XXXX and every time the dispute gets completed they state that bank of America is saying that the item belongs to me. How the Item is going to belong to me if BOA doesnt even have my SSN # and every time I call BOA they state that it shouldnt have been affected my credit score because my social security number was never used to open an account with them. My SSN # is not being used to open accounts with credit card companies or banks, only my name and date of birth was used to open the account with BOA.. 
I dont think XXXX is trying to help me. Every time I talk to agent from XXXX they sound like they dont know what they are doing and also they can never answer my questions. 
This is affecting my credit and I need to get this resolved.
Consumer complaint received 2019-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CITIBANK, N.A. (OH)

I am writing to dispute a billing error in the amount of {$520.00} on my account. I would like a FULL REFUND NOT PARTIAL. The amount is inaccurate because XXXX XXXX is no longer allowing customers to travel to XXXX due to a travel ban issued by the President of the United States. I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. 

You have access to my account charges to show the full amount charged and the amount that they are refusing to credit back to my card that supports my position. Additional I have attached an article by the XXXX XXXX that states that the President of the United States has banned traveling to XXXX making it illegal to do so. Please investigate this matter and correct the billing error as soon as possible. 
Sincerely,
Consumer complaint received 2019-05-26
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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (TN)

My complaint is against Synchrony Bank and the way the Credit Reporting Bureaus Report on my credit report after I paid a debt in full. I had a Synchrony Bankcard for XXXX XXXX. However due to a couple of job losses the creditor Charged Off on XX/XX/XXXX. I lost my job and a substantial income in XX/XX/XXXX - could not find a job until XX/XX/XXXX making way less but still had the intent to begin paying for that debt as soon as I was able. At the time I was struggling to pay a {$1000.00}. mortgage payment while existing off of {$1100.00} per month in unemployment benefits until I was able to secure employment. In XXXX a lien on my home was placed for the amount owed to Synchrony Bank for {$1200.00}. In order to pay off what I owed I had to take out a personal loan for the full amount. I paid the entire amount owed on this debt vs. settling on a lower amount. My problem is that I was told that Synchrony would remove this completely from my Credit Report - especially since I paid it in full. There was No Monies Charged Off or not collected owed on the original debt. I believe XXXX had removed the negative information ; however XXXX XXXX and XXXX continue to report negative information. Regardless that it says I dont owe anything its still being reported as In Collections/Charge Off and Payment Made After Charge Off which makes a potential creditor think Synchrony wrote off bad debt when they didnt. I paid the full amount which is why they need to remove this negative mark on my credit. Also if you look at my credit no matter how I pay on time each month my credit score remains low which gives creditors the right to charge higher interest rates. This is unfair and gouging - setting a consumer up for failure. Extending credit is the chance to pay off over time why must the consumer be gouged by higher interest when they need to continue to maintain a good score. Someone needs to re consider how a consumer whose paying on time the best they can. To say if you paid more each month goes against the agreed minimum amount. At this time Im doing everything I can to rebuild my credit from XXXX after job losses, and its almost futile the way Creditors and the Reporting Bureaus treat consumers who have limited incomes but still make their payments on time after suffering hardships.
Consumer complaint received 2019-05-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AZ)

On XX/XX/2019 I sent a dispute letter to Equifax disputing several inaccuracies on my credit report. After not receiving ANY response or update after approximately 37 days, I then sent a letter on XX/XX/2019 concerning the lack of response. Here we are a month later and I STILL have not received any response from Equifax.
Consumer complaint received 2019-05-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/2019 my XXXX Item # : XXXX sold requiring immediate payment through Paypal. 

On XX/XX/2019 I contacted Paypal regarding a hold that was placed on the associated transaction ID : XXXX. I contacted Paypal customer service by calling XXXX. 

The customer service representative answering the call is located in the XXXX. The customer service representative requested for myself to commit fraud by asking the buyer of the item to report the item as received so that the funds hold on the transfer could be released immediately. 

I advised the customer service representative that she just requested for myself to do something illegal and she was completely dismissive and indicated that this was normal procedure. 

I have been a Paypal user for 15 years and this is the second time that this has occurred recently.
Consumer complaint received 2019-02-04
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. (AL)

I reviewed my credit profile and I noticed that there are several items reporting that do not belong to me. These items are reporting either in error or as a result of identity theft. I have sent letters to the credit agencies informing them of this matter and they still have not corrected the matter. 

The following items that are reporting in error : XXXX  Wireless Account ( result of identity theft ) There are late payments showing on XXXX XXXX XXXX XXXX XXXX ( I was never late on these accounts ) Names : XXXX Addresses : XXXX XXXX XXXX XXXX There are unauthorized Inquiries reporting : XXXX ( 2 Times ) XXXX XXXX ( 4 times ) XXXX XXXX XXXX XXXX XXXX XXXX ( 9 times ) XXXX XXXX XXXX XXXX XXXX ( 2 times ) XXXX ( 2 times ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 3 times ) XXXX XXXX XXXX  ( 2 Times ) XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CREDIT ACCEPTANCE CORPORATION (GA)

I purchased my XXXX XXXX XXXX from XXXX XXXX XXXX on XXXX XXXX my down payment was {$1000.00} and give {$1000.00} for the trade of my XXXX XXXX XXXX. The first financing was cancelled after XXXX weeks. I had to return to the XXXX XXXX XXXX and was subject to another credit check. I was approved by XXXX XXXX, I then had to put another {$500.00} down and my car payment went from {$200.00} to {$310.00}. 

I have since been making my payments. I received a letter via mail on XX/XX/XXXX from XXXX XXXX stating they were canceling the contract and returning the account to the Dealership. In the letter it does not give a reason for this cancellation. It states it would be removed from my credit line and that my car payments would be returned to the Dealership for me to pick up. 
I contacted the Sales Man from the Dealership and he knew nothing about such information. 
On XX/XX/XXXX at XXXX pm I contacted XXXX XXXX for information. I was advised by XXXX XXXX that a check for {$1300.00} had not been cut as of yet. The checks are cut on tuesdays and that it would be mailed on my behalf to XXXX XXXX. She looked through the notes and it was not stated as to why this was closed. 

I have since not spoken to finance office in the Dealership. 
I was advised by another Dealership that XXXX will try to make me pay for mileage and not return my money. 

I feel this is not fair practice in regards to my contract, as I am not the one the breached or cancelled.
Consumer complaint received 2022-02-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (FL)

Rocket Mortgage purchased my home loan from XXXX XXXX in XX/XX/XXXX. This was during the time XXXX XXXX paid my XXXX ad valorem taxes with XXXX XXXX. Then, Rocket Mortgage assessed or calculated my property taxes, but excluded XXXX XXXX 's payment for my XXXX tax period. When Rocket Mortgage calculated my escrow analysis, it over calculated it, projecting an approximate {$200.00} increase in my monthly payments. I contaced Rocket Mortgage several times to correct error, and I was assured in writing that it would be corrected and my monthly payments would not increase. My XX/XX/XXXX payment just went through and nothing was corrected, my auto-payment was over the owed amount. I have attempted to rectify the situation, but no one at Rocket Mortgage is assisting me at all. My ad valorem taxes increased by a total of {$39.00} from XXXX to XXXX. This does not justify increasing my escrow payments by approximately {$200.00} a month.
Consumer complaint received 2020-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (NY)

I have request US Bank to closed my account and refund my annual fee. 
They refused to return my annual fee of {$95.00}, claiming I received benefits. 
I inquired what benefits were received? 
They said " you will receive them in XX/XX/2020. '' I declined any future benefits and requested refund since I am not in receipt of any benefits as of request date of XX/XX/2020, they said " you are denied. '' I been trying to close this account through their web site but their site was constantly not functional. ( I have screen captures as proof. ) Their system and procedures have failed and hence hindered me in closing my account. Therefore I requested my refund and they refuse, when it is clear NO benefits were received. And they already closed my account.
Consumer complaint received 2019-10-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

I currently have two credit cards with XXXX XXXX, I'm monitoring my credit reports and noticed that XXXX XXXX is failing to report one of my credit cards to equifax. XXXX  XXXX is reporting both cards to XXXX and XXXX, but my equifax report is suffering due to the lack of credit history associated with that other credit card. I tried resolving this with them directly to no avail.
Consumer complaint received 2021-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Continental Credit, LLC (FL)

From XX/XX/2021 to XX/XX/2021 They promise that they would fix my credit they took my money and didn't provide any services at all. I download XXXX  app to monitor the progress an nothing change. There was no disputes created or sent to credit union. I would like them to refund all my money back because they never did anything they promised. I called several time an got the run around as well text them about my account an nothing was done.