davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-16
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)

THE FOLLOWING NEGATIVE ACCOUNTS ARE REALLY AFFECTING THE OVER-ALL STATE OF HEALTH OF MY CREDIT SCORES. THE XXXX XXXX ACCOUNT WHICH IS DATED FROM 2017 WAS ONLY REPAIRED OFF OF XXXX AND REMAINS NEGATIVE ON THE OTHER TWO CREDIT BUREAUS. WHAT IS THE REASON TO WHY THIS ACCOUNT IS STILL ON THERE? NOTHING WAS DONE ABOUT THIS AND I DEMAND A REASON TO WHY ... ..
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SECURITY FINANCE CORP (OK)

Security finance placed a charged off account on my consumer report that is inaccurate. In the correspondence that was a computer generated letter which addressed Mr./Ms. XXXX I received from you ( Security Finance ) dated XX/XX/XXXX. In the correspondence dated XXXX  you address me as Mr. Now in your computer generated letter/correspondence XX/XX/XXXX you address me as Mr./Ms is offensive and profane language as I provided Security Finance with photo identification multiple times to prove my identity that showed you I am a male. This act shows their carelessness towards me as a consumer, person, and human being. Also, in your CFPB response to account # XXXX You ( Security Finance ) stated that This letter shall serve as verification and also After careful investigation and review, we have verified that we are accurately reporting the tradeline. This is inaccurate because you reported a charge off on my consumer report for XXXX XXXX XXXX to XXXX. That is not me and I dont know who that person/consumer is. So, how can you be reporting accurate information when the name is not accurate. Also, how did you get my last XXXX social security numbers and birthday without my authorization? This account needs to be removed for inaccuracy and unauthorized use of my personal information. The signature on the line of the contract is not mine as well for this account # XXXX. This is illegal and violates multiple of my consumer rights.
Consumer complaint received 2019-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (LA)

I have called experian and XXXX. Under XX/XX/XXXX my credit score shows up as XXXX and ive been tryin to use the score to get a truck and cant do it because shows up no revalving credit so. On the report datedXX/XX/XXXX. XXXXXXXX XXXX XXXX card shows as good credit and is revalving credit until XXXX so i tried calling 3 times, to experian and in past tried callong XX/XX/XXXXand XXXX keeps hanging up i asked them to take my numbdr incase it did hang up he said no i asked for a supervisor. To help, me out most of them are foreign. And cant understand. Them so all im asking is my credit acore to show up
Consumer complaint received 2020-11-16
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 lost my wallet, causing me to have unauthorized charge on my XXXX  XXXX credit card. I had try dispute the account XXXX XXXX, Bal : {$3700.00} XXXX with XXXX, Equifax, and XXXX. They had taken this account off my credit report, but now it's back on my credit report without notifying me, I had disputed again and provide them proof that it was unauthorized use of the card.
Consumer complaint received 2023-08-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alpine Credit, Inc (CO)

Hi, In XXXX, I went to XXXX XXXX fertility center in XXXX, CO for treatment. XX/XX/XXXX, I had my XXXX XXXX. The provider doesn't do this service until the payment is paid fully. We made the payment, got the service and everything was fine. 

Around XX/XX/XXXX, I got contacted by Alpine Credit ( debt collector ) saying I still owe to XXXX XXXX. This is not true. I made all payments in early XXXX to XXXX ( billing manager then ) and she wrote on the receipt saying 'Full Paid ' as confirmation. When XXXX XXXX reached out, I furnished all information I have with attachments in an email on XX/XX/XXXX. After that I didn't hear from anyone. 

Fast forward XXXX, I get a call in XXXX saying I have a balance of $ XXXX still. They had no explanation/response to my email from XX/XX/XXXX. I have clearly stated that I am disputing this charge because 1. I don't really owe. 2. They ghosted on me in XXXX and coming back 3 years after without an explanation. Please advise on how I can proceed or file a complaint legally.
Consumer complaint received 2018-12-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ZARVAD III S.A. (SC)

I did the most foolish thing ever and borrowed {$300.00} from " MyPayDayLoan.com ''. I paid {$90.00} by an electronic debit from my checking account. I had really bad vibes about this company so revoked that authority. I have tried to reach a resolution for the balance of {$210.00} but this " company '' simply threatens me repeatedly. I asked for a mailing address to send payment which they REFUSE to provide. The threats continue daily. I want to pay this back on terms which are fair. This company is predatory and threatening. I need help. Please help. I will pay {$25.00} every two weeks beginning XX/XX/XXXX. I am NOT at all comfortable providing them with my debit card which they are DEMANDING. I need assistance securing a mailing address and stopping the threats. Please help!!!!
Consumer complaint received 2022-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (NJ)

Dear CFPB, I really need help to address this inaccuracies on my credit report which is tarnishing my reputation and stopping me to establish a good credit. I have sent a dsipute to credit bureaus but I was not able to receive a good response. 

CITI XXXX
Consumer complaint received 2019-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

I was born XX/XX/XXXX, my credit report states I was born in XXXX, its actually on Experian and XXXX, I have my ex husband 's ex girlfriend who refuses to return our divorce papers and tax returns and I have bad credit because lack of credit. Someone keeps running my credit report and the date of my birth has never been inaccurate till this past year. I need to have it changed to correct year, it is causing to not accurately confirm my identity.
Consumer complaint received 2020-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (IN)

Around XX/XX/XXXX, I linked for wire transfer purchases my XXXX Account to my JP Morgan Chase account. 

On XX/XX/XXXX, I successfully verified via trial deposits my XXXX Account to my P Morgan Chase account, so I can wire money from JP Morgan to JP Morgan from XXXX. 

On XX/XX/XXXX, I scheduled a transfer from my XXXX Account ( Account No. XXXX XXXX to my XXXX XXXX Chase Banking Account ( either Account No. XXXX or Account No. XXXX ), and instead of the funds going through, Chase Bank froze my online login because of " suspicious activities, '' and I do not know if the transfer from the XXXX Account to the Chase Banking has been made.
Consumer complaint received 2018-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (DE)

I applied for he XXXX Visa Credit Card because it advertised a {$200.00} credit towards your fist purchase of a ticket as well as XXXX points after spending {$1000.00} in the first 3 months. I was in process of booking a flight when I saw the promo and so applied for the credit card and was approved. I used the credit card immediately for a ticket that day but didn't receive a {$200.00} credit towards the ticket as advertised/ Afterwards I found out they wouldn't give it to until after 90 days and would be a statement credit. I paid towards the ticket, of course received finance charges waiting for the credit. Which is deceiving customers. in addition, I spent the {$1000.00} quite quickly and well before the 3 months was up and yet to have received the XXXX in points that was advertised. When I called they stated I would get it next billing statement and then the next time told me XX/XX/XXXX, I still didn't receive and now when I call them, they tell me that I am not going to get it at all now stating that it is either {$200.00} credit or points not both but this was not what was advertised, FALSE ADVERTISING and clearly XXXX is worth much more than {$200.00} and the promo was for both. This bank needs to be investigated for FRAUD. They trick you into applying and then don't give you what was promised.
Consumer complaint received 2022-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: M&T BANK CORPORATION (NJ)

Dear CFPB, I really need help to address this inaccuracies on my credit report which is tarnishing my reputation and stopping me to establish a good credit. I have sent a dsipute to credit bureaus but I was not able to receive a good response. 

MTBANKES XXXX
Consumer complaint received 2019-01-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (FL)

I took out a used car loan with Santadar for a XXXX XXXX XXXX. The truck has a payoff balance of {$29000.00}. I recently lost my job and missed XXXX payment. The monthly payment for my truck is {$660.00} but the past due balance was close to {$1500.00}. I confirmed with a customer service agent with the company that I was only XXXX payment behind. Santander seems to calculate their current balance by any missed payment, the current payment due and the next upcoming payment grossly misrepresenting the amount owed. I asked my I was getting collections notices as I was not behind 90 days. The representative had no answer. I missed my second payment in XX/XX/XXXX. I did not receive any notices in the mail about the company repossessing my vehicle. In the late evening hours on XX/XX/XXXX, I walked outside and my truck had been resposessed. There was no contact information left by the tow company and the offices of Santander were closed. I received no notice that my vehicle would be repossessed since my missed payment in XXXX and the date of resposession. I have missed XXXX payments with Santander and my upcoming due payment would have fallen on XX/XX/XXXX. I have not missed XXXX payments nor am I 90 days late yet the balance due as stated on my Santander account is {$2800.00}. When I called into after my first missed payment I was not given any information on lowering the payments due to hardship or why I was receiving call after call and a huge unwarranted outstanding balance.
Consumer complaint received 2019-09-16
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. (CA)

XXXX XXXX XXXX has reported missed payments XX/XX/2017 and XX/XX/2017 despite asking for the inaccuracies to be fixed. It is affecting my scores and quality of life. The credit reporting agencies have been contacted with no response.
Consumer complaint received 2021-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have a Bank of America credit card on my credit report. I was never approved for a credit card. I filled a dispute with XXXX  and Bank of America responded that the charges are valid because the application was filled with my information. 
I was never approved for a Bank of America credit. I only find out about the existence of the card when I received a report from the credit bureau.
Consumer complaint received 2021-04-29
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: CAINE & WEINER COMPANY, INC. (TX)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX CAINE WEINER ( Original Creditor : XXXX XXXX  ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2022-07-10
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (MD)

Fedloan is reporting inaccurate late payments. These late payments have done tremendous harm to my ability to buy a new home. I am terrible distraught. The accounts are : FED LOAN SERV. Account Number : XXXX. FEDLOAN Account Number : XXXX These erroneous errors are in violation of 15 usc 1681a ( 2 ) ( A ) Transactional history should excluded from my consumer report.

15 usc 1666 ( 2 ) ( B ) These alleged late payments are due to billing errors
Consumer complaint received 2019-09-16
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: WELLS FARGO & COMPANY (AZ)

I let wells Fargo reposes my car which I only owed around {$1500.00} left. Not only did it take me almost a year to fight them with getting the proof of sale a documents regarding my Repo ( which is still haven't received ) The blamed me for not having the correct address on file and i have still yet to receive. Now its a bigger problem. I am trying to purchase a house and I tried calling wells Fargo to figure out a deal that i can get it paid off as this is the last thing on my credit. Wells Fargo told me " you no longer owe on the Debt it will be closed in 30 days ''. When i asked why they stated they have an internal company policy for Statue limitations on how long they can collect on a repo and my account has passed their statue of limitations which means they can no longer collect on the loan. So I said GREAT! they advised me in 30 days it will be closed. Waited 45 days yes they closed it but it still shows that i owe the amount. When i asked then if i can have the Statue of limitations policy and proof i no longer owe SINCE my credit still reflects that i have a balance left the guy said no. That i should have called them prior to my statue of limitations was up and that I have to get a subpoena and sue them the get it in witting. As big as wells Fargo is I am not understanding why when it comes to my loan they are so secretive. They give me different answers but never have documentation to back up their claims. Another guy told me to submit a credit bureau dispute but they will just keep coming back and saying that the report is valid. Also since ive been submitting complains wells fargo ha been updating my credit report with more late payments from 2006 which is lowering my credit score. At this point i think i have enough recorded calls and disputes to take them to court but im hoping that it doesn't get to that point.
Consumer complaint received 2019-09-16
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. (CA)

Past due on mortgage payment, they suggested verbally and in writing a re-payment plan of four payments to catch up. Never explained verbally or in writing that the loan would have a negative affect on my credit and would show that it is past due for the period of four to five months. Phone calls an letters have been coming at me daily as if they are moving to the foreclosure process even when the re-payments are paid as scheduled. My credit has been damaged and I am now unable to be approved for bidding and payment bonds to support my construction business income. They are reporting to credit companys as XXXX but I am paying to XXXX XXXX, that was old lender.
Consumer complaint received 2019-09-16
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

XX/XX/XXXX - counterfeit check in the amount of {$57000.00} deposited into checking account jointly owned with daughter, XXXX, via ATM in XXXX XXXX, CA. Per bank, deposited via debit card for account holder XXXX. XX/XX/XXXX - withdrawal in the amount of {$470.00} in XXXX XXXX, CA. ( per bank, same debit card used XXXX XX/XX/XXXX - aware that XXXX has a new bank account with another bank and was not expecting any deposits, nor had her debit card with her, I, XXXX, reported transactions as fraudulent via app. XX/XX/XXXX - received notification via text message re potential fraudulent transactions XX/XX/XXXX - called bank, was advised of additional transactions. Conferenced XXXX in as well in order to dispute all charges. Fraud department reviewed account, advised this was " obvious fraud '', stated security footage at ATM would prove this, and assisted with changing all login info for both myself and XXXX. When asked if there was anything else we should do, representative advised not at this time, all information submitted and other accounts would not be affected. Late XXXX - all previously reversed debits charged back to checking account. Contacted bank, bank advised investigation determined XXXX responsible for deposit and withdrawals totalling approximately {$4100.00}. I advised this was not possible as I had reviewed evidence provided by XXXX, proving she was in XXXX XXXX at the time of the fraudulent transactions. Bank declined evidence provided by myself or daughter, advised security camera footage was not reviewed. Requested details of investigation in writing, bank declined. Bank advised multiple logins from multiple devices, provided IP addresses  verbally. Bank admitted some logins did not appear to be XXXX ; however, stated " she must have been working with someone ''. XX/XX/XXXX - After transfer of {$40.00} to my separate checking account for a copay to see doctor for severe XXXX, bank removed all funds from account using right to offset. Subsequently, payment made to XXXX for utilities was returned, causing additional fee. Was unable to see doctor due to funds removed, and without medication since. XX/XX/XXXX - Attempted to cash check from lottery winning in the amount of {$500.00}, check denied. Contacted third party check verification, learned bank reported me for cashing fraudulent check. Same day bank processed " fraud charge-off '', which will reflect on my credit history shortly. Bank refuses to re-open investigation or provide details in writing ; however, has since ruined my financial reputation, leaving me unable to access my own paycheck or cash checks. While I have worked on repairing my credit history since XXXX, I now can not open a bank account or pay any bills as I am unable to access funds legitimately owed to me. In addition, I am facing a medical emergency, due to untreated allergic XXXX. Please assist in any way you can, additional documentation available upon request.
Consumer complaint received 2019-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Onity Group Inc. (CA)

XXXX XXXX responded to my CFPB consumer complaint XXXX informing me the Ocwen Loan Servicing is removing the Ocwen Loan Servicing mortgage account from all three major credit reporting agencies and went into detail responding to CFPB. Ocwen joined shady PHH mortgage, another shady operation thats had so many legal troubles. Ocwen transferred my so-called loan to PHH. Every since the transfer I have not been receiving any notification from PHH about my loan and I am unable to speak to a live PHH representative because every time I call the automated system says PHH is unable to transfer my call to speak to a live representative regarding my loan and to try back later. I have been unable to speak to a live representative and I am unable to access mortgage statements on PHH mortgage site. I do not know what payments are due. I believe shady Ocwen and phony PHH are once again attempting to intentionally rip off my home because thats what they do. PHH is illegally charging me false fees and reporting false information to all three credit reporting agencies. I demand to know what payments are due so I can bring the loan current. I demand shady PHH to remove the mortgage account from all 3 major credit reports immediately.
Consumer complaint received 2019-09-16
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: Utah System of Higher Education (CA)

There are 4 accounts reporting in error, I wrote 2 letters to XXXX XXXX, XXXX & XXXX  explaining that the delinquencies that are reporting are reporting in error. 
I was in deferment on the dates they are reporting the delinquencies. I received a letter from XXXX saying that it was verified as accurate from the creditor. I then asked all three bureaus for method of verification and never received an answer from all three bureaus. Step 2. I then wrote a letter to the creditor Utah higher Education I sent it certified and never received a response from them. I was never late i was in deferment and would like the late entry removed and my credit report to be corrected.