davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (MD)

On XX/XX/2018 I received a letter from Sears XXXX  saying that they decided to not to renew my account. The letter stated the decision was based on me having unsatisfactory credit. This is untrue. I have very good credit. I always pay all of my cards on time and in full each month. XXXX XXXX credit score is currently XXXX. So I believe they unjustly closed my account. And I believe the reason why is I had accumulated enough Reward Points to redeem a {$500.00} gift card, and they did not want to give me what I earned. Not only did they close my account, but they also immediately stole of the points I had accumulated over the course of years. This is a card that requires a yearly fee of {$35.00}, which I was willing to pay because of the rewards program. I called the number on the back of my card and was repeatedly transferred from department to department with no one willing to reinstate my points or give me a reason why they said I have unsatisfactory credit. I was on the phone for 2 hours.
Consumer complaint received 2023-03-17
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX 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 XXXXXXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-06-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Dynamic Recovery Solutions, LLC (MN)

I received a call on Tuesday, XX/XX/XXXX from a debt collection agency called Dynamic Recovery Solutions ( " DRS '' ) claiming that I owed several hundred dollars in credit card debt for a card open under XXXX XXXX. I explained that I have never opened a card with this bank and that the charges were fraudulent. This was the first time I had ever heard of these charges from any party, yet a debt collection agency was now attempting to make me pay for fraudulent charges that I had never been given a chance to collect. After the call with DRS, I immediately called XXXX to file a fraud alert on my credit score with the three major credit rating entities ( I was told that once one of  them is informed of a fraud alert, the others are also informed ). I then called XXXX XXXX to inquire about the charges. They stated I had no account open with them and no outstanding balance. I called DRS back to obtain more information, and then sent me a series of documents, including correspondence sent to an address that I have not lived at since XX/XX/XXXX, which is likely why I was just hearing about these charges for the first time. I also learned that the charges were actually through a XXXX XXXX XXXX issued in some kind of partnership with XXXX XXXX. On this second call, DRS stated that I should send them any documents related to my contesting of the charges. So, I then called XXXX XXXX XXXX XXXX   services, followed directions related to the nature of this issue, and received automated instructions to send my dispute in writing to a specific XXXX XXXX XXXX XXXX, FL ( the letter is attached to this complain ). Accordingly, that same day, I mailed a letter describing the nature of my dispute of the charges ( they are clearly fraudulent because I did not incur them ). On my second phone call with them, DRS also stated that I should send them any documents related to charges or filings with any authorities. That is why I am reaching out to the appropriate government agency. I did not incur these charges -- clearly someone illegally obtained my information and used it to incur these charges and I should not have to pay for them.
Consumer complaint received 2022-05-13
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: Experian Information Solutions Inc. (FL)

They will not respond back after several notices of me wanting the signed contract. This has gone on for over XXXX years fraudulently. 
XXXX XXXX XXXX, XXXX XXXX. I do not know who they are but they are fraudulently continuing with practices that are illegal and posing as the education department. A fraud report was filed on this company.
Consumer complaint received 2022-05-13
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. (LA)

I believe my identity has been compromised. On XX/XX/2022 I received XXXX XXXX alerts that my credit had been pulled in XXXX car dealerships : XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX On XX/XX/2022 I also received an Experian XXXX my credit had pulled at another car dealership : XXXX XXXXXXXX XXXX XXXX. I called all three dealers and told them my identity had been compromised. I put credit locks and fraud alerts on all bureaus. I called my local XXXX 's department and they advised me to come here. I'd asked one of the auto dealerships what information had been given- the person used my old address, had my correct place of employment but incorrect job title, and a phone number that wasn't mine : XXXX. My XXXX 's department said it was likely a spoof number and could only tell that it was a XXXX number.
Consumer complaint received 2018-02-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NV)

On XX/XX/XXXX after completing the 3 month trial payment, forbearance plan, ( repayment plan ), I  received the loan modification agreement had excessive fees of over {$100000.00}. 
My regular principle balance was to go from {$96000.00} to {$160000.00} and my deferred principal balance was to go from {$96000.00} to {$140000.00}. I was to sign the agreement and have it back with in 3 days. I called my mortgage service provider on these excessive charges and was given an answer that my loan was figured out at 40 year payoff. I also brought up that it couldn't be correct since a balloon payment was expected in 18 years. I denied the modification, paid the arrears in full and mailed it XX/XX/2018. Received a letter from them on XXXX, dated XXXX, stating that all monies submitted were put in a forbearance suspense account and that {$250.00} of the remaining funds are applied toward the suspense ( partial payment-credit account ). I requested that any overage in payment are to go to my interest bearing principal.
Consumer complaint received 2022-05-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc. (TX)

I found out my minor child have credit with this company i am requesting these items to be removed from my daughter profile and frozen and i want mailed proof of doing this first mistake they have her birthday as XX/XX/XXXX when my child birthday is XX/XX/XXXX which is she's only XXXX XXXX XXXX they have her same social security number as my minor child as well i am including my license the mother my child birth certificate as well WITH MY RECENT BILL
Consumer complaint received 2022-05-13
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. (FL)

They will not respond back after several notices of me wanting the signed contract. This has gone on for over XXXX years fraudulently. 
XXXX XXXX XXXX, XXXX XXXX. I do not know who they are but they are fraudulently continuing with practices that are illegal and posing as the education department. A fraud report was filed on this company.
Consumer complaint received 2020-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Io, Inc. (TX)

I would like to male a formal complaint on Receivables Management Systems. Receivable Managment Systems was the holder od a debt that i had with XXXX XXXX ( account number XXXX ). I spoke with them in XX/XX/2020, they explained that once the debt was paid in full, they would delete from my credit report. I paid this debt in XX/XX/2020. It remains on my credit report. I sent them a formal letter, requesting deletion on XX/XX/2020. I followed up with a phone call and was told that they will not be deleting this item, due to it not being paid off within 6 months of them receiving the debt. This is not the information that was initially told to me. I was told it would be deleted once paid in full.
Consumer complaint received 2019-10-10
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. (RI)

I pulled my credit before I went to the dealership and notice some accounts that were not mine on my credit report and some inquiries.I attached another report of the problems i'm having with my report with the collections accounts. The inquiries are XXXX 1. XX/XX/XXXX XXXX XXXX XXXX  XXXX 2. XX/XX/XXXX XXXX XXXX 3. XX/XX/XXXX XXXX  equifax 1. XX/XX/XXXX XXXX XXXX 2. XX/XX/XXXX XXXX XXXX 3. XX/XX/XXXX XXXX XXXX/XXXX
Consumer complaint received 2021-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DIME COMMUNITY BANCSHARES, INC. (NY)

I bank with the Dime Savings Bank of XXXX. I am missing more than {$60000.00} in direct deposit funds. I work with the XXXX XXXX XXXX and XXXX XXXX.
Consumer complaint received 2022-11-01
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I previously reported as well notified XXXX XXXX of errors on my report and supplied them with documentation letters court orders vas well updated my consumer statement Registered Letter XXXX XXXX XXXX XXXX XXXX XXXX asking them to remove XXXX XXXX XXXXXXXX {$1100.00} XXXX XXXX XXXX {$4500.00} and XXXX XXXX I supplied them with Divorce Degree as well notified them that XXXX XXXX is reporting in error and there Contact on profile not to be valid as well attached returns email on bad contact I also asked for a full updated report with new address as well to remove inqireiers dating over 2 years to date XX/XX/2022 my record reflects the same as well that have not got me my updated report and or remove dispute dating of 30n days XXXX is acting in bad faith and not following Federal guide lines
Consumer complaint received 2019-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (MO)

I had a Comenity Bank credit card, through a company called XXXX. XXXX informed me that their credit card program was ending on XX/XX/XXXX. I received several communications about the program 's end. The final notice was sent on XX/XX/XXXX, stating " If you're using your XXXX credit card to make recurring automatic bill payments, please switch those payments to a different card, since your XXXX credit card will no longer be accepted. '' I had until the next billing cycle to fully pay off the card balance. As of XX/XX/XXXX, my balance was XXXX. Since my debt was satisfied, I didn't think about the card after that. 

Around XXXX of XXXX, I started receiving notices from XXXX that my account had an unpaid balance. I called them up to explain that the charge they were trying to collect on went through XX/XX/XXXX, 3 months after the card was closed. It was a recurring automatic charge of {$6.00} that, per their own letter, should not have gone through. Over the course of the next 6-8 months, I regularly called up XXXX to re-explain that the charge should not have gone through. Each time, the representative agreed with me, and indicated that they would be notating the account to reflect that. I continued to receive late fees and finance charges over the course of a year and a half, despite making at least 6 separate calls to the company. In XXXX of XXXX, I finally just decided to pay the {$190.00} accrued on a {$6.00} charge that never should have gone through to begin with. 

I put this behind me until I checked my XXXX   and XXXX  reports and saw that XXXX reported my account as late from XX/XX/XXXX to XX/XX/XXXX, despite the card closing XX/XX/XXXX. This is more than a year after the card was closed and paid in full. The account is reported accurately through XXXX. I have disputed this through XXXX  2 times, and I am currently disputing it for a 3rd time. XXXX  says that XXXX has provided documentation to support their claim, but I have conflicting documentation that supports mine. 

I have perfect payment history on all of my tradelines. This is illegal and all-around not fair. 

Thank you.
Consumer complaint received 2023-03-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PROSPERITY BANCSHARES, INC. (TX)

Hello back in XXXX I lost my debit card and someone used at XXXX XXXX for XXXX XXXX Im banking with prosperity bank and we get fraud alert text and I did get it at the time or after this transaction and I reply NO but my bank still released the money from my account without my permission. So since then Im contacting to bank and costumer service about my money and nothing yet. The send me to local police station for police report, I did everything what the ask for and then the say your detective say the cant not investigate this because that was in XXXX are so go to XXXX. Ok I did go there and the say because you resident of XXXX you need to go back there. Long story short the keep pushing me back and forth with no results. I was pregnant that time with my third baby and I was saving this money for bills and needs but now money is gone and bank not doing anything to get my money back. I did not authorize that transaction and the know it but still nothing. Please step in and help me to get my money back. For any questions or any documents please email me or call me. Hope to get help from you guys.
Consumer complaint received 2022-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (MI)

there is this guy trying to get my information and try to ruin my life and getting my personal information and he's also making a XXXX XXXX against me and also he's trying to get my social security number and places where I live and I'm scared that he's going to take my identity and i dont know what to do and i need some advice or something please help me protect my credit card and my identity
Consumer complaint received 2022-05-13
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: Experian Information Solutions Inc. (PA)

Unauthorized hard inquiries that were reported as follows XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX 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. 

Attempted to dispute inquiries with all 3 credit bureaus and were coming back as validated when clearly I have not attempted and had no awareness of attempt to open listed accounts above.
Consumer complaint received 2022-05-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUN WEST MORTGAGE COMPANY, INC. (AZ)

I was working with XXXX XXXX XXXX # XXXX at XXXX, XXXX XXXX # XXXX on XX/XX/2021 in order to refinance my home for a lower monthly mortgage payment and better interest rate. I received loan documents from SunWest Mortgage Company XXXX Inc. XXXX XXXX XXXX on XX/XX/2021 that were incorrect. I advised XXXX XXXX of this. New loan documents were sent to me but again they were incorrect and I advised XXXX XXXX that again the documents were incorrect. Later I heard that XXXX was offering an even lower rate of interest so I emailed XXXX XXXX asking him about a new lower rate. He never responded. When I emailed him asking for the loan documents he said that I could not get the same rate as quoted in the previous loan documents. I have tried to contact other lenders to get that rate but they have all now raised their interest rates.
Consumer complaint received 2023-03-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: VW Credit, Inc (CA)

On XX/XX/XXXX I sent a check to Audi Financial Services to pay off my daughter 's car loan - check amount was {$42000.00}. I was paying off because my daughter missed a payment and Audi Finance hit my credit reports- lowering from in the XXXX 's to in the XXXX 's. My assistant had gotten the payoff amount by talking with Audi Finance. 

In mid XXXX, I received another late notice, so I called and Audi Finance told me that they had not received my XXXX check. I instructed my bank to put a stop payment on that check, and I sent another check for {$42000.00} on XX/XX/XXXX - the new payoff amount included additional interest. I sent that to an overnight address given to me by Audi Finance and the check was cashed. 

On XX/XX/XXXX, Audi Finance cashed the original check of {$42000.00}. So they now have approximately {$85000.00} of mine for a {$42000.00} loan payoff.

My assistant and I have been calling Audi Finance demanding that refund of the duplicate payoff amount. Audi Finance keeps saying it is " in process ''. My assistant and I both called the direct line for the person who has been " working '' on this today, but she was not available and has not responded to our voice mails. I called the prior number that I had used and automated system said I would get a call back in 15 minutes. No one has called back.

The reason that my name had to be on the loan in the 1st place was because Audi Finance repossessed my daughter 's car with absolutely no notice last year, significantly negatively affecting my daughter 's credit. So when her lease was up, they refused to finance her buyout. At the time of the repossession, I had number calls with Audi Finance about repossessing with no notice. They said they mailed notice to my daughter of 2 late payments. At the time, my daughter was living in an apartment where mail was being stolen- we provided police reports to that effect to Audi Finance. The thugs that Audi hired to repossess my daughter 's car said they called several times. They may have called from a number that would not have been recognized by my daughter, but never left any voice mails for her. They just showed up at a young woman 's apartment and took her car. Getting the car back was a nightmare, but that is a digression.

In short, Audi Finance 's incompetence has seriously negatively affected both my and my daughter 's credit and now they have stolen {$42000.00} from me and are not cooperating in returning it timely. I now have my bank watching to make sure my other account payments do not bounce, thus affecting my credit score further. I take having a high credit score very seriously and Audi Finance 's actions are undoing years of diligence on my part.

The reason that I paid off the auto loan was because Audi Finance is so incompetent and I did not want to have any further dealings with them. They need to return the money that they have wrongly taken from me.
Consumer complaint received 2022-05-13
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. (SC)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX, 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 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX days and proper notification shall be given to all furnishers pursuant to section 605b of The XXXX Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications XXXX be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.