davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-25
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. (WI)

I noticed multiple inquiries and an account from XXXX XXXX that do not belong to me. I called each bureau and they all told me to submit a dispute so I did just that. Its been over 40 days and NO RESPONSE YET, please help.
Consumer complaint received 2021-12-12
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. (NH)

I lost my former job at XXXX due to XXXX XXXX XXXX XXXXXXXX, and after also reporting XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, I was sent to unemployment by HR. HR then lied to the state, saying I picked this, and my unemployment funds, ie. any income help during a global crisis to which I was suffering from at the time, were withheld for approximately 4 months. I spent this time on the phone, making calls to get into relief programs, etc., anything I could to save my credit score and not lose my good standing there too, as is all I have left after working very hard for years to get it to the mid XXXX. XXXX XXXX was the ONLY company that did not have any options, but wasted approximately XXXX weeks of my time, begging them with my situation for help. I was sent to one tier after another, then management, only to be brought back to the beginning of this call loop, making me now miss a payment when I was on hold in this circle of nonsense, with no solution other than a confirmed smear on my credit report. It will be included in the damages of my current lawsuit against XXXX multiple violations, and the ongoing domino effect it has had in my life. This is now negatively impacting my living situation, preventing me from getting my own apartment now that I finally have a new job. I have tried to dispute it through XXXX, however, only received a XXXX check from them months later for their 'failure to serve me properly during the pandemic, global crisis ongoing. ' Their dispute was settled in a matter of a week, and did not remove it from any of my reports, as they just confirmed they failed but put it on my shoulders. This nonsense is now on all XXXX reports and is the only negative thing listed there, messing with my life further. Their lack of assistance during a global crisis to which I suffered from yet still made it my full time job to call all billings I had to make sure I did not suffer further was to no avail with this heartless company, XXXX XXXX. I am working hard to eliminate any standing with them and close the account, but for now, need to continue my fight against their false report. I made every effort to remain in good standing and got help from all else but this company. They have taken action against me in filing these alleged missed payments ; I literally ran out of all my savings and had to ask family and friends to help me survive. Likewise beg billing services for understanding, adding more humiliation to a difficult situation. I should not be made liable for this, as is a false smear against me when this company simply did not act to assist anyone on a human level during a time of ongoing suffering in this world. give me my life back please and get rid of these XXXX missed payments ' I never missed. I literally lost everything, and XXXX seemed to go out of their way repeatedly to ensure I continued to suffer even more, and continue to.
Consumer complaint received 2021-12-12
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (TX)

Dovenmuehle accepted a loan modification and I paid XXXX trial payments to Dovenmuehle. During the process they transferred it to XXXX XXXX  and Dovenmeuhle claims there was no loan modification agreement. These conversations took place by email, letter and phone.
Consumer complaint received 2021-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (NH)

I lost my former job at XXXX due to XXXX XXXX XXXX XXXX, and after also reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I was sent to unemployment by HR. HR then lied to the state, saying I picked this, and my unemployment funds, ie. any income help during a global crisis to which I was suffering from at the time, were withheld for approximately 4 months. I spent this time on the phone, making calls to get into relief programs, etc., anything I could to save my credit score and not lose my good standing there too, as is all I have left after working very hard for years to get it to the mid XXXX. Wells Fargo was the ONLY company that did not have any options, but wasted approximately 3 weeks of my time, begging them with my situation for help. I was sent to one tier after another, then management, only to be brought back to the beginning of this call loop, making me now miss a payment when I was on hold in this circle of nonsense, with no solution other than a confirmed smear on my credit report. It will be included in the damages of my current lawsuit against XXXX multiple violations, and the ongoing domino effect it has had in my life. This is now negatively impacting my living situation, preventing me from getting my own apartment now that I finally have a new job. I have tried to dispute it through WF, however, only received a XXXX check from them months later for their 'failure to serve me properly during the pandemic, global crisis ongoing. ' Their dispute was settled in a matter of a week, and did not remove it from any of my reports, as they just confirmed they failed but put it on my shoulders. This nonsense is now on all 3 reports and is the only negative thing listed there, messing with my life further. Their lack of assistance during a global crisis to which I suffered from yet still made it my full time job to call all billings I had to make sure I did not suffer further was to no avail with this heartless company, Wells Fargo. I am working hard to eliminate any standing with them and close the account, but for now, need to continue my fight against their false report. I made every effort to remain in good standing and got help from all else but this company. They have taken action against me in filing these alleged missed payments ; I literally ran out of all my savings and had to ask family and friends to help me survive. Likewise beg billing services for understanding, adding more humiliation to a difficult situation. I should not be made liable for this, as is a false smear against me when this company simply did not act to assist anyone on a human level during a time of ongoing suffering in this world. give me my life back please and get rid of these XXXX missed payments ' I never missed. I literally lost everything, and WF seemed to go out of their way repeatedly to ensure I continued to suffer even more, and continue to.
Consumer complaint received 2021-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report :
Consumer complaint received 2022-12-16
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. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX BALANCE : {$0.00} XXXX XXXX XXXX ( Original Creditor ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXXBALANCE : {$1200.00} XXXX XXXX  ( Original Creditor : XXXX  ) XXXX BALANCE : {$2200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXXXXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2021-12-12
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. (MS)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX Balance : {$770.00} Inquiry : XXXX  Date of Inquiry XX/XX/2020
Consumer complaint received 2021-12-12
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION (IL)

i recently learned about getting a credit report so i got my credit report and discovered there was an account on my report that i did not open at all.. so i contacted the company to discuss this matter they told, e there was no account. so i disputed through the credit bureau.The credit bureau came back with a verified account through the company. i then disputed it 3 more time and got the same results. The last time i disputed it the company Regional Acceptance came back and added another account on my credit but changed the account numbers around and also added 3 payments on both accounts. which i never ever paid on. this company is fraud i never had one account with them let alone 2 accounts and i sure have named made an payments. This company is knowingly committing fraud on my reports. Please help me with this
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

I demand the 30-day late marks reporting to my credit reports in error be removed right away. The 30-day late marks from XXXX and XX/XX/XXXX arent valid and are having a large negative impact to my credit scores and my ability to qualify for a new mortgage at the best interest rates. The XXXX mortgage loans ( accts : XXXX, and XXXX ) both show late payments for XX/XX/XXXX. XXXX loan acct XXXX was transferred to XXXX  mortgage loan ( acct XXXX ) and shows a 30-day late payment for XX/XX/XXXX. Both the XX/XX/XXXX and XX/XX/XXXX 30-day late marks are completely invalid, and I demand for them to be fully removed from my credit history. I have attached the related, redacted copies of my bank statements showing each on-time payment made from XXXX of XXXX through XXXX of XXXX as evidence neither of my accounts were ever 30-days late, and the reporting is INACCURATE. This servicer was XXXX, they are no longer in business having gone into federally approved bankruptcy in XXXX. Additionally, when I researched the company, I can see they had a class action lawsuit filed against them for misreporting missed payments, so it appears they are damaging a lot of consumers credit reports wrongfully, not just mine. I would appreciate your assistance in investigating this manner right away and getting these late marks removed fully from my reports. As required by the FCRA, all aforementioned information/disputed items that are obvious errors must be deleted from my reports. As stated in the FCRA, or Fair Credit Reporting Act, Section 609 : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 4 ) The dates, original payees, and amounts of any checks upon which is based any adverse characterization of the consumer, included in the file at the time of the disclosure.
Consumer complaint received 2021-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

In mid XXXX ( exact date unknown ) Citizens Bank notified me that my account was hacked. After hours of talking on the phone, I was informed ALL OF MY INFORMATION WAS BREACHED. Yes, account number, routing, personal information, the whole 9-yards. Nothing was done. Customer service suggested I get a new bank account and apologized for my data being breached. I now receive HUNDREDS of phone calls a day, to the point where I have to block unknown phone numbers. Now, on XX/XX/12 my account has been hacked AGAIN. Yes, I know I needed a new bank account. But I thought I could go more than 2 months without being hacked!!! This bank has NO CYBER SECURITY and does NOTHING ABOUT IT. Something needs to be done immediately.
Consumer complaint received 2021-12-12
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)

I received a copy of my credit report and I am disputing some items that need to be deleted. I have listed the account, the opening date, and the account numbers, when possible, below. The reasons why these items should be deleted are indicated below : Pursuant the Fair Credit Reporting Act, these disputed items must be reinvestigated or deleted from my credit record within 30 days. Throughout the investigation period, these items must be removed from my credit report as the reporting of items prior to debt validation constitutes collection activity. 
In your investigation results, please render the names, addresses, and telephone numbers of individuals you contacted during your investigation. 


Under the U.S. Code 15 1666b- Grace Periods ( b ) If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

Under U.S. Code 15 1635 b- Return of money or property following rescission ( b ) When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, downpayment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. 

Experian reported to the credit bureaus XXXXte/non payment , which is a violation of the U.S. code . 
I, XXXX XXXX did not give my written consent for these accusations to be reported on my consumer report. No consent is identity fraud and its also unauthorized use. Late payments are showing up on the EXPERIAN CREDIT REPORT. Im commanding it to be removed asap. 
Experian applied debt to payment, which is also a violation. Attached to this dispute letter is a copy of the law.
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

All credit bureaus are reporting that bankruptcy that are not verified and the data furnisher has already admitted to errors in reporting but credit bureaus can not supply me with court certified and verified copies of bankruptcies after their so called investigations.
Consumer complaint received 2021-12-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (LA)

I got a derogatory mark on my credit report stating this account got sent to collections. However, I don't have no knowledge of this debt and, that it doesn't belong to me. I'm victim of identity theft. I would like to address this immediately and get this negative remark remove from my report. The account was removed and now has being reinserted back onto my credit report without my knowledge of this account. I've proof of account showing deleted and reappearing SPRING OAKS CAPITAL LLC
Consumer complaint received 2021-12-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Monterey Financial Services LLC (FL)

Complaint against XXXX XXXX. 

** I received a flier to attend a presentation on these amazing traveling adventures to thousands of destination. Once at the place of presentation, people were described how you could buy a travel package that would allowsnyou to take vacations very affordable. In end, I and my wife were convinced to buy a package. The arrangement was buying a package without down payment. During the presentation, the place was packed with people. Then time to sign the document arrives. The people rushed us through signing stack of document with excuse that they were running short on time. Few days later, we got a call from a representative of the company asking to go over package we signed. To our surprise, they made us sign documents with dollars amount totally different to what agreed on during the presentation. At that time, we disputed those numbers and the understanding was that a manager would get back to us to straighten out the issues. No one ever got back to us. Since then, it has been a nightmare with this company. All the phones have only voice mail. We never heard from these people as to how someone takes advantage of their package. To make it worst, thus company is taking money from my bank account and they have send information to credit bureau despite not agreeing on the terms of the company. {$15000.00} are being reported on my credit file and {$4500.00} being reported to my wife credit report. We are disagreeing with these dollars amounts. I am helpless as to how to resolve issues with this company. I am asking to cancel this contract with this company since it is a scam. I am asking them to stop stealing money from my account. I am also asking them to remove information from my wife credit report and mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX are the four individuals leading the XXXX. 

Appreciate assistance.
Consumer complaint received 2023-06-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Deinde Online Services, LLC (FL)

XX/XX/2023 received email from Integra Credit advising my loan application had been denied. Same day I forwarded the denial email to their customer support requesting I be provided with the specific reason ( s ) my application was denied. Confirmation receipt of my request was received separately via email. 

As of today, XX/XX/2023, at XXXX est, Integra Credit has failed to respond and/or provide the information requested. All supporting documentation has been uploaded with this complaint to verify the validity of this claim.
Consumer complaint received 2022-07-05
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 a account without my written instructions.
Consumer complaint received 2019-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (IL)

I called BP Visa/Synchrony Bank last evening ( XX/XX/XXXX ) to understand why the annual percentage rate for my account is over 29 % when I have never been delinquent on this account. It was explained to me by the front-line Specialist ( XXXX ) and then a Supervisor ( XXXX ) that this rate is the general APR for all customers. I shared that this was not the terms when the account was transferred from the previous issuing bank - it was 12.49 % then ( even though the Specialist told me it was 18.99 % ). Both told me there was nothing that can be done, there is no lower interest rate available unless I need to go on a collections program. I have been paying over $ 300 monthly and barely making a dent in this balance because of the interest rate. On top of that, the balance subject to interest at the 29 % continues to increase even though I don't use the card because they keep adding the accrued monthly interest to that balance. That is unfair, deceptive, and predatory in nature to me. Their response was that they could put me on a list to request a lower APR when/if that becomes available. There is nothing that can be done now. So the consumer is punished for the sale of this portfolio and these are not the terms I agreed to when I opened the account.