davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-18
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. (NY)

I deal with a lot being a young single mother. There's a lot of stress. So when this account popped up on my report hurting my score, I didn't know what to do. I elected to pay it off because I didn't know my rights. Come to find out, that didn't help and the account is still on my report and it never belonged to me to begin with. I learned that I can dispute this information and have submitted a complaint with the ftc. On there site, they explain that section 605 of the FCRA mandates you to remove fraudulent accounts with 4 days. Please help me in this dreadful situation. Thank you!
Consumer complaint received 2019-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CT)

I have been attempting for months to get Chase Bank to correct a negative report ( 30 plus days late ) on my credit report. They have refused to cooperate, claiming the report is accurate ; I filed disputes with the credit reporting agencies, to no avail ; I even retained an attorney ; Chase ignored her letters. The payment in question was only two weeks late, and the reason it was late is due to the fact that my automatic payments needed to be reauthorized, and I was not informed of this fact. Once I realized the payment was late, I immediately phoned Chase to make the payment, and reauthorized the automatic payments. In short, I have acted in good faith -- and Chase has refused to do the same. 

The document attached shows the payment going out on XX/XX/2019 -- the payment was due on the XXXX of XXXX.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

There is no sufficient information to support the credit bureaus claim..The payment here is sent in advance so I don't understand why this is a past due..Please fix this for me. XXXX XXXX, XXXX XXXX XXXX,
Consumer complaint received 2019-10-08
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: EQUIFAX, INC. (NY)

My name is XXXX XXXX my social security number is XXXX date of birth XX/XX/1969 my information was used in a Equifax security breach and also a medical company had send me a letter offering free credit silive wath for 2 years thru Equifax. My complaint is that when I try to sign up for the free promo. Along with the other free credit monitoring that's offer thru equifax I get a hard time. Reason is that the Equifax office of consumer affairs tells me that I cant enrolled in online services because my filed is handled by them. And I cant do disputes on line either. They block my file from online access. In order to do a dispute when I call them they tell me they have no access to my file and then transferred me to office of consumer affairs. And when I tell them that I'm disputing the negative account with chase and all the hard inquires as fraud .they keep telling me they need documentation like a ssa form from social security administration. I feel they don't need that information. Because they done disputes before in the past when I send in documents. They supposed to have that on file. And also they refused to remove the negative chase mortgage account and the hard inquires. Their violating the law by holding my credit file XXXX saying that my credit report will always be handled by office of consumer affairs. And don't tell me the reason why.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I sent a letter last XX/XX/XXXX, to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. XXXX XXXX, XXXX XXXX XXXX, SC XXXX XX/XX/XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$2400.00}, XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$3100.00}, XXXX  XXXX Balance : {$210.00}, XXXX Balance : {$35.00}, XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1800.00}, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (IA)

On XX/XX/19 I was involved as a victim with a gift card scam. I was told by scammers I was under a federal govt warrant for my arrest for social security identity fraud and the distribution of XXXX in XXXX XXXX, Tx. This set the stage for the fraud perpetrated against me. {$7000.00} worth of gift cards were bought by me at XXXX XXXX and XXXX because they told me at the time they were federal agents and my social security number would be canceled. These gift cards were then to be taken to the SSN office the next day so I could have money during their investigation. US Bank credit card was used by me to get these gift cards. US Bank denied offering credit since it was a fraud and I had authorized the charges. I disagree strongly with this assumption stating I felt ad if I had a XXXX to my head as I was being kidnapped for almost 5 hours and I went to store ATMs to get the cash they wanted. My attorney gave me this option to see if US Bank would reconsider and offer the credit. I am a retired businessman who has been with US Bank for over 14 years. A police statement was given and a call to US Bank were made the night of this tragic and very stressful night. Please help!! Thank you.
Consumer complaint received 2019-10-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (NC)

My name is XXXX XXXX. My mortgage is through M & T Bank. I missed a mortgage payment due to illness. I entered into repayment plan with M & T on XX/XX/19. I was to pay {$1000.00} on XX/XX/19. {$880.00} on XX/XX/19 and {$880.00} on XX/XX/19. I paid in XXXX. I received a letter dated XX/XX/2019 outling the terms of the repayment plan. I received a call from M & T Bank on XX/XX/19. Initially, I was told that the agreement was broken but when I asked to speak with a supervisor, I was told that the M & T worker who made the agreement in XXXX was not supposed to make that agreement. I was asked to enter into another agreement extending to XX/XX/2019. I am concerned that I will get another call in a few days stating that the plan was broken or they made another mistake. I would like M & T to honor the agreement outlined in the letter I received on XX/XX/2019. I can be reached at XXXX. My email address is XXXX XXXX
Consumer complaint received 2020-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (RI)

The company is XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) I signup for the credit card that was told I would receive XXXX if I spent XXXX on XXXX service.This transaction was in XX/XX/2019. I have called the rebate and rewards program REFERENCE # XXXX and was told that it take a while to get verification from Citi Bank. I called Citibank @ XXXX. They had all my information of the purchased, however said that they had nothing to due with the rewards program. I also called XXXX XXXX XXXX XXXX and they told me the same thing.The rewards program is saying it will take time to get the XXXX debit reward and XXXX knows that they have a problem. Now, I can understand their are problems, however since XXXX. I feel we have a fraud problem..the other night XXXX XXXX ( Rewards Rep. ) hung up the phone on me.XXXX  should be aware of this problem soon. I have never had a problem like this before with any cards. The Ref # is XXXX ... XXXX ... I also called XXXX XXXX office @ XXXX and was told I must deal with rewards and rebate center. This is a problem and XXXX should be made aware of this story. Someone is stealing my reward/rebate.XXXX   XXXX XXXX should be told about this 3rd party that is holding up rebates.
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: EQUIFAX, INC. (AR)

XXXX XXXX sent me a email that it looked like my personal data may had been compromised. I opened it up and reviewed everything and there was several unknown inquiries and accounts that certainly did not belong to me. I pulled my credit to make sure, and these accounts I am reporting are definitely not mine. Please remove these items from my report. 

BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Consumer complaint received 2019-10-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: American First Finance, Inc. (NC)

I had to have my vehicle fixed at a local XXXX XXXX XXXX XXXX and they encouraged me to sign up for a loan. Once the work was completed on or around XX/XX/19 I had to bring the car back the next day and then it died a few days later. I informed the bank and the supervisors at XXXX. American First finance assured me the loan was voided and they returned my money. Now that I am no longer driving that vehicle its at a total loss. They are telling me the loan is not voided. I have contacted XXXX XXXX XXXX XXXX to ask that they return the part .I need help to resolve this issue and get all the recorded calls included. I have been dealing with phone calls between the 2 companies for more than 30 days.
Consumer complaint received 2019-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I am trying to MANAGE BY MYSELF security freeze online on equifax website. But I'm getting message that additional identification information is needed. From last XXXX (! ), I'm trying to solve it, but the only thing that equifax company is doing : they freez/unfreez credit score. I dont ask them to do it, I'm asking to be able to manage BY MYSELF my freeze online on equifax website.
Consumer complaint received 2020-02-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC (PA)

I checked my credit report and saw an erroneous debt with this company. I do not believe I owe this debt so I disputed it and the results were that it was verified as accurate. They are allegedly reporting 100 % accurate data. Since they have verified inaccurate and erroneous information, they have violated my consumer rights under 15 USC 1681 FCRA and 1692 FDCPA.
Consumer complaint received 2017-03-24
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Io, Inc. (VA)

I did n't receive any information from this company yet it 's showing on my credit report. This is from 2010! I never received anything from them or from XXXX XXXX. I have found out that they should n't be contacting me because they never billed my insurance in 2010!!! The insurance company said they need to right it off since they never sumitted it to them.
Consumer complaint received 2023-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I have disputed information on my credit report with Transunion for over a year now they have incorrect information on file with my bankruptcy they have deleted some Information but not everything before they claimed that they verified it but wont ever tell me how it was verified or who verified it. I contacted the bankruptcy court I filed with and they said they do NOT share full social security numbers or any personal information on a bankruptcy so how was it verified? also I checked XXXX  for any information that is public and they do not share social security numbers or any amounts owed or anything which Transunion is reporting and these amounts are also incorrect on my report now they reply with a letter saying this dispute doesnt look like you and wont check on any of my disputes or anything I have letters for this as well Im the photos I attached are the letters that they have sent for the last 2-3 disputes wont verify or answer any disputes, and the other 2 are whats include which are names only of each company not amounts or dates and does not show a full social security number so if the court doesnt verify any of this information then how did they get it?
Consumer complaint received 2020-02-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

XX/XX/XXXX received a statement from our lender showing a missed payment of {$2000.00} and a year of late fees in the amount of {$1600.00} Lender never informed us what payment was missed. 
XX/XX/XXXX sent letter to lender with bank statements to show no missing or late payments from XX/XX/XXXX thru XX/XX/XXXX XX/XX/XXXX received letter they would review the account XX/XX/XXXX received letter maintaining that we had missed a payment along with an account activity report that show that the first time a late fee was charged was XX/XX/XXXX XX/XX/XXXX received a letter informing us that they were transferring the loan to another lender XX/XX/XXXX sent correspondence to new lender along with bank statements XX/XX/XXXX received letter they would review the account XX/XX/XXXX received letter from new lender stating the old lenders payment history showed a missed payment XX/XX/XXXX received statement that showed payment due {$2000.00} a passed payment of {$2000.00} and total fees & charges {$3400.00} totaling {$7500.00} It appears that they are not looking at our documentation that clearly shows no missed payments
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I wanted to cosign a vehicle for my sons XXXX birthday. As my credit got pulled the salesman told me my credit was to low. I asked him to show me my report and I saw many items that is not mine. I then pulled my credit to myself to double check the unknown suspicious items and these fraudulent items on my report are not mine. Please remove them from my report. 

XXXX XXXX XXXX XXXX {$91.00} XXXX XXXX XXXX XXXXXXXX {$680.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX   XXXX {$830.00}
Consumer complaint received 2019-10-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (OH)

On XX/XX/2019 western union took {$320.00} out of my XXXX XXXX   account. This was not an authorized transaction. Western union stated since the money was picked up the transaction was valid. My bank issued a fee reversal only to be rebutted by western union. My email which was allegedly associated with western union is on the dark web and data broker sites so all my demographic information is out there. During the time of this alleged transaction, I did not have a working phone. I understand western union has to verify the information but I dont know how they did when I didnt have a working phone. My phone was compromised and I couldnt make calls out or receive them. XXXX had to restore my phone so I can make and receive calls. I couldnt even send or receive text either. I faxed 12 pages to XXXX after I opened the claim again. The fax shows my emails and demographics are on the dark web and data broker sites. Western union didnt do anything. Their position is the money transfer was picked up therefore they have no further liability. Western union is a  financial clearinghouse for dark web transactions so they dont really care. They shouldnt be allowed to be in business.
Consumer complaint received 2019-10-08
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. (FL)

THE ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME, THE ACCOUNT ARE BEING DISPUTED DUE TO THE ACCOUNT BEING INACCURATELY PLACED ON MY CREDIT. PLEASE INVESTIGATE THIS MATTER AND HAVE THIS ACCOUNT REMOVED OFF MY CREDIT FILE.
Consumer complaint received 2020-09-15
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. (FL)

I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from.
Consumer complaint received 2020-02-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL (GA)

This is the second time Synchrony Bank through a secondary ( XXXX XXXX XXXX XXXX assignee of Synchrony bank - address XXXX XXXX XXXX XXXX Assignee of Synchrony Bank XXXX XXXX XXXX XXXX XXXX, Georgia XXXX ) has taken us to court for a judgement on a debt originating from Paypal credit owned by Synchrony bank, They will not be able to enforce any judgement, my income is from XXXX XXXX, and is my only income. Which comes from protected federal VA benefits : protected from garnishment to pay a debt owed to a private person or company. The have been aware of this for quite some time, yet they sold this debt to XXXX XXXX XXXX XXXX   originating in Texas, with office in XXXX Ga. They received an unenforceable judgement, determined by the Courts in XXXX county -XXXX XXXX -Ga. 
Please contact Synchrony Banks ( XXXX XXXX XXXX XXXX ) XXXX XXXX and advise them this is fiduciary harassment.
Consumer complaint received 2019-10-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (LA)

I have been trying to resolve my mortgage situation with Wells Fargo for almost a year. My hardship started when my mother became sick and I had to take care of her. I cared for her until she passed. During this time, I had exhausted all of my resources to comfort her and to keep her with us as long as possible. As I became behind on my mortgage, I reached out to Wells Fargo for assistance. They gave me the runaround. After asking for documents excessively, they denied my review by saying that I made too much money for assistance and they demanded that I pay my past due in full. I neither had the money nor made so much money to do so. 
I applied a second time and again ; they dragged things along, again and again for months. This time, they concluded that I made too little money and could not afford my home. And here I am, months into this even further behind and again demanding the past due in full. 
I applied a third time. This time I had better income. I had rental income that is being generated and I provided all of this information. They once again dragged this out and concluded that I can not afford my home. The excuse they made was that I did not provide documentation for the rental income. Why did they not ask for it? In the past they almost harassed me with constant document requests. I would have provided whatever they wanted. I feel that they did this on purpose. 
After this denial, they allowed me to appeal. So, I took the opportunity. This time, the bank statements were included with the rental deposits highlighted and my payroll highlighted. I also included my lease agreements to further back this up. 
Again they denied me. The lie this time was that I did not provide the documentation to verify my income. This is a lie and I feel that they are trying to take my home from me. How can they ignore such hard evidence? At this time, I am livid and disgusted at the way Wells Fargo has treated me, how they have lied to me and how much they lack in morals. They have affected me mentally and emotionally. I am always on edge and constantly in stress and it is also affecting my health. 
I want to apply again because this home is all I have. I am reaching out for help. I want Wells Fargo to stop harassing me and to allow me to resume making my mortgage payments. I want them to acknowledge the documentation provided and to stop this charade so I can move forward.
Consumer complaint received 2023-03-20
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 2020-09-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (NY)

This is the 3rd time I have complained about this problem. I want it gone now! I am dealing with so much since covid and not to mention paying my bills that are due then this horrible debt collector sends me a bill for something I already paid over a year ago! My next step is to contact my father who is a consumer attorney. Account XXXX Needs to be removed ASAP