davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-01
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: SYNCHRONY FINANCIAL (PA)

On XX/XX/XXXX someone without my authorization attempted to open an account thru Synchrony Bank. In XXXX of XXXX I was made aware of this due to my credit monitoring service. I contacted XXXX they recommended me to ask for inquiry deletion letter from the Synchrony bank. I was told by the Synchrony bank at that time that I was consumer and they would not provide me such documentation. I asked if they could send it to XXXX, they agreed. I waited the 60 days as instructed. I contacted XXXX and they did not receive it. I then repeated the process several more times. Still XXXX has not received it. I called today XXXX of XX/XX/XXXX to Synchrony bank they stated that they have in fact sent several letters to XXXX. They also stated that this did not negatively impact my credit. I told them that it did in fact negatively impact my credit. I asked if they could send me a letter they said no. They told me to contact XXXX. I called XXXX they told me to contact the Federal Trade Commission considering this was an ongoing problem. I spoke to the Federal Trade Commission today XXXX of XX/XX/XXXX. They stated that I should contact the Consumer Finance Bureau. 
I have been given the runaround from Synchrony Bank. They have made promises and have delivered nothing. This hard inquiry has deleted XXXX points from my credit report. I need your assistance in this matter please
Consumer complaint received 2020-08-01
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (AZ)

I settled my Macy's/Department Store National Bank ( DSNB ) account in XXXX, that had previously been reported as a Charge Off. 

First off, they are so disorganized over there, that they have reported my Tradeline 3 different ways to each credit bureau, They show me as a {$1400.00} Charge Off with XXXX. 
They show me as a {$1400.00} Charge Off with XXXX, AND erased all my payment history. 
They show me as a Charge Off with {$830.00} Past Due on XXXX. 

HERE IS THE CORRECT INFORMATION, AND HOW THE RECORD SHOULD BE REFLECTED : My Account Status and Balance Are BOTH reported incorrectly on all bureaus : They need to fix this now. I'm attaching proof of the settlement check, It is literally something they can fix in 24 hours. Everything is digital these days. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - HERE IS WHAT THE BUREAUS SHOULD SAY : 1 ) ACCOUNT SETTLED IN FULL FOR LESS THAN FULL BALANCE ON XXXX 2 )  BALANCE {$0.00} 3 )  PAST DUE {$0.00}
Consumer complaint received 2021-07-19
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credence Resource Management, LLC (FL)

Settled debt with company called " CREDENCE RESOURCE MANAGE ' in which they stated once paid they will remove from my credit report. Its been a month and its showing up on my credit report. Amount was {$300.00} - CREDENCE RESOURCE MANAGE XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2018-12-27
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I pulled up my XXXX  credit report and XXXX  report and it not reporting incorrect. and all my credit cards have been removed from XXXX  reporting and im missing five credit accounts on my XXXX  report and i contacted capitol one they refused to submit a documents to the credit bureaus and told me that i need to put it in writing which i refuse to do because i did it in the past and never got a response from them and there are no credit accounts are being reported on XXXX  XXXX  didn't have capitol one XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DIDNT REPORT THIS XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2021-03-05
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XX/XX/2021 I am very distressed with this matter. I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not recived a response yet. I did my own due diligence and I know the credit bureas have 30 days to reply back and they havent. I feel bullied by the bureaus by ignoring my disputes I took time to send them. Sectyion 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. Or I will file litigation due to the stress you cause me. My information was impacted by the XXXX data breach may have got into the hands of the wrong person. I am pleading for help at this point.
Consumer complaint received 2023-03-11
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, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2018-10-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I was given misinformation about my repayment options and directed into forbearance even when there were other options available to me and going into forbearance would have hurt me on my path toward public service loan forgiveness. Also, the loan servicer I spoke with was not up to date on her knowledge about new programs ( temporary public service loan forgiveness ) and told me I was incorrect and wouldnt transfer me to a different servicer when requested.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

XXXX XXXX XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1300.00} Balance updated XX/XX/XXXX Contacted XXXX XXXX, dispute account for fraud never opened. ID theft.Sent docs back no investigation answered. Violation of federal rights.
Consumer complaint received 2018-12-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OH)

XXXX XXXX XXXX who handles the Public Service Loan Forgiveness program ignored 6 years of service, because they told us we did not choose the correct loan. During those six years they never communicated that we needed to switch the loan to qualify. Instead they left us to assume that we participating in the loan forgiveness program. Payments starting in XXXX should have qualified for student loan forgiveness and instead we have been left to pay the full amount. They deceive borrowers who have limited understanding on how the forgiveness plan works due to the complicated bureaucracy of paper work, multiple websites, and requirements. We will now be making payments in till XXXX instead of XXXX, the additional 7 years of payments will significantly hurt our family 's financial security. Why are people who work in service of others being treated so poorly by their own government?
Consumer complaint received 2018-12-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

Today XXXX, Wells Fargo abruptly closed all of my accounts both Business ( 2 checking ) and Personal ( 1 checking and 2 savings ) account without proper or legal notice. I called their office after received several missed calls and they stated that they made a decision to close all of the accounts and terminate the 12 year relationship because of a specific fraud claim regarding a wire in the amount of {$340000.00} credited to my corporate business account ending in XXXX which was received on XXXX. I asked why the person who sent the wire was claiming fraud and Wells Fargo simply stated that they already made a decision to close the accounts even though I adamantly contested the claim and informed them that it was NOT Fraud and could not be since the person who wired had to have known very well where and to which account the wire was sent. I requested the contact information for the person who filed the fraud claim and they denied me. I then asked them what proof the person provided to support Fraud and they denied me information again. So the question I asked Wells Fargo was " why would you believe this person who isn't Wells Fargo customer and who obviously wired funds knowingly and willingly '' they replied by stating that they reserve the right to close any account at any time to protect their reputation regardless if the claim was true or not. I then asked why were they victimizing and penalizing me if they or the person who wired had not proven the claim. They simply refused to answer. I also stated how can anyone simply call a bank and file a claim to return money they knowingly wired simply because they feel like doing so. at best, Wells Fargo should have referred the person to file a civil claim for a court to determine any wrongdoing or entitlements. I also informed them that the money received was money owed for a unfilled order paid for in XXXX of 2018 but they once again sided with the Claimant only. Why does the Claimant have more leverage and credibility than me when he was the one who knowingly wired the funds? If he claimed not receiving goods or services as they said he did then he should have submitted the invoice or purchase order to prove it. The bottomline is that this person has wrongfully filed a claim of Fraud and Wells Fargo has caused my alot of damages.Now I have been locked out of my money and accounts and Wells Fargo can not and has not proven the Claimant to be right or legally entitled to this action. I believe Wells Fargo discriminated and denied my legal rights by wrongly closing my accounts and locking my out of the funds I have a legal right to. Please help me ASAP
Consumer complaint received 2021-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MA)

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XXXX XXXX ). 


I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2018-12-27
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)

A closed FHA account by XXXX XXXX continues to appear as a negative account on my credit profile after I have brought this matter to the reporting bureaus ' attention. Since my initial complaints only minor discrepancies were corrected in order to avoid deletion, I assume, but the account remains inaccurate and delinquent and I would like it removed in order to avoid taking the issue to the FTC and the FHA complaint board. I have written many letters and sent out evidence and paperwork supporting the inaccuracies found within the month-to-month history, dates and amounts regarding XXXX # XXXX and I have received no resolution. As a result of my past disputes I have been harassed by XXXX XXXX with phone calls and letters asking me to stop disputing this with the CFPB. I have asked them to stop calling ; me as it is my right to dispute. I had no issues when I brought the same evidence via certified mail to XXXX  showing the difference of information which is misleading to my lenders and to my FICO score so what is the issue with XXXX  and Equifax? Please validate your investigation or otherwise delete the account immediately.
Consumer complaint received 2021-07-19
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

In XX/XX/XXXX I tried to obtain a loan to purchase land, at that time i found out that Kohls showed a closed account for the amount of {$2700.00}. Also noticed a few other discrepancies so i contacted the credits bureaus to get those resolves, wrong names, wrong social was attached, wrong address, a few other listings that were incorrect that were resolved amiable once the credit bureaus or myself reached out after the dispute. Prior to the checking of my credit report in XX/XX/XXXX I had no prior knowledge of said debt to Kohls, I did have an account many years ago but I closed it and paid off the balance which was never much a couple XXXX ( XX/XX/XXXX ). After trying to dispute with the credit bureau my lender told me to contact Kohls to see what could be done, On XX/XX/XXXX I called, the gentlemen was not pleasant and asked why dont you pay your bills Advised this wasnt my debt and I requested that Kohl verify this was in fact my debt. He advised records couldnt be pulled over 10 mths they purge them, he offered me a deal of half of the {$2700.00} to resolve. I told him I couldnt justify paying that much for a debt that wasnt mine, he said nothing more he could do. I called my lender ( trying to make a land purchase ) they advised trying to settle I couldnt get the loan without it, as a dispute could take months. I called back on XX/XX/XXXX to try and settle, explained the situation and offered to pay {$600.00} of a debt that was not mine to resolve, he laughed and said had to be {$1300.00} since the account was closed. Asked to speak to a manager which he told me couldnt be dont do to Covid he would have to get one to call me within 48 hours and offered to send a letter of the debt. I sent a letter with no response. I called XXXX and begged for help, they told me to contact you CFPB for help. I lost my loan because a Kohls said I owed them money with no proof none Ive always paid my bills, if I owe money to someone I pay it I still do this day do not understand why the loan was denied for this one glitch but apparently it sticks out like a sore thumb. Until XXXX Kohls has not contacted me regarding an outstanding balance and I dont understand how they can justify thousands of dollars being owed with no proof, no contact but they can ruin everything I worked for. It seems to me not to be right. Can you please help me or point me in the right direction?
Consumer complaint received 2020-08-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have all my accounts in good standing, however the reporting does not look accurate therefore my Family and i we are stuck and can not embrace any growth opportunity. 
I need those BAD REPORT to be REMOVED
Consumer complaint received 2019-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have requested copies of any and all contracts with the company and none have been produced to evidence that I have an account with the company and I never executed a contract with the company. The mail sent to the address listed on two bureaus is returned as undeliverable. The company reports on my credit report ALL of the following as the status of the alleged account : Closed - charge off but continues to report FP ( Failure to Pay ) EVERY month as well as a current balance of {$10000.00}. 

On another Bureau - the address listed for the company has all the mail returned as unable to forward addressee unknown and reports the account charged off, bad debt placed for collection & Skip as well as FP ( Failure to Pay ) EVERY month as well as a current balance of {$10000.00}. 

On the third bureau the address listed for the company has all the mail returned as unable to forward addressee unknown and reports the account charged off, bad debt These actions are all inconsistent with one another. I have attempted to investigate this company and it appears that it went out of business therefore the reporting can not be accurate.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

XXXX XXXX XXXX XXXX Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXXXXXX  Status Paid, Closed. 
Status updated XX/XX/XXXX Went to branch locations and was told account would be closed and not reporting late and the account has late reporting.
Consumer complaint received 2019-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX has incorrectly reported me late beginning XX/XX/2019 thru XX/XX/2019, and XX/XX/2019. XXXX XXXX has incorrectly reported my credit payment history as past due when I was never reported 30 days late in my statements while I did always pay in the past due window. Payments always overlapped due dates and often I paid 29 days late. I may have been late once but the XXXX XXXX Statements DO NOT reflect the actual dates payments process AND XXXX XXXX somehow kept my account negative and did not reflect the payment, even though I was 0 to 29 days late only. Payments came out of my personal XXXX XXXX checking 'instantly ' yet sometimes XXXX XXXX XXXX would take 3-5 days to reflect the payment in my credit account. XXXX XXXX also took over 50 days to respond to my dispute from TransUnion and did not address anything in my dispute. XXXX XXXX has also refused to give me an accounting of my records and has also refused to provide me anything but statements, of which I am contesting because they incorrectly report my payment due dates. I have bank records showing instant payment transfer dates, yet XXXX wouldnt process them in a timely manner.
Consumer complaint received 2019-09-15
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. (NY)

XXXX XXXX XXXX has posted a collection against my credit reports where the credit card was originally with XXXX XXXX XXXX. This account was a charge of well over 7-years ago. Yet XXXX XXXX XXXX obtained the information pertaining to this account from a debt pooling subsidiary. The collection should never have been reported on any of my credit bureaus, and the original account is not even posted on my credit reports due to the 7-year rule application of the Fair Credit Reporting Act. XXXX XXXX XXXX in in direct violation of their subscriber agreement with the credit reporting agencies, and should be sanctioned for these aggressive and illegal collection practices. The account must be deleted permanently and the account information purged immediately.
Consumer complaint received 2018-12-27
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: WELLS FARGO & COMPANY (NY)

It has come to my attention that a computer glitches with Wells Fargos software resulted in Wells Fargo mistakenly foreclosing on hundreds of homes over an eight year period ( ref XXXX XXXX XXXX ). During the time period in question I had submitted multiple modification requests that either had not resulted in a modification that would have provided relief during my time of crisis ( ref XX/XX/XXXX MOD Request ) or was simply denied ( ref XX/XX/XXXX XXXX & XX/XX/XXXX appeal ). Its been my argument that I was never provided a fair mortgage relief through a loan MOD, which was supposed to be available to me through my XXXX loan, but was removed as an option at a time when it was most needed. Never the less hardship MOD requests were submitted with unjust outcomes causing failure in maintaining home ownership of the property known as XXXX XXXX XXXX, XXXX Fl, XXXX. With the unfortunate and now predictable demise of Wells Fargos destructive XXXX loan that myself along with millions of other predatory lending victims were subjected to, ( XXXX XXXX XXXX ) the cost impact of such a toxic loan to this day keeps on eating away at its victims financial means in so many different ways. For me know its trying to get on with my life back in order by obtaining a non-destructive home loan at an interest rate that is not 4 points higher than the market demands and being subjected to mandatory PMI that altogether equates to {$400.00} to {$500.00} more a month than what I should be paying had I not ever been duped into such a deceptive loan.