davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TN)

This is a formal complaint against National Credit Adjusters located in XXXX XXXX XXXX, XXXX XXXX XXXX XXXX KS XXXX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, this company has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2021-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENNSYLVANIA HOUSING FINANCE AGENCY (PA)

I XXXX XXXX, a federally protected consumer received a credit alert notification that I had a late payment for the month of XXXX reported by PHFA when the payment was made on XX/XX/21. This is a billing error thats needs to be rectified. A late payment is not defined by federal law. This inaccurate information is false and needs to be corrected immediately as this is a burden on my self and my family.
Consumer complaint received 2019-08-20
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 (MN)

by XX/XX/XXXX I request to Wells Fargo review an inaccuracies in my credit report, I gave 30 days, they answer was need more information my dispute was clear and attach the report multiples inaccuracies, one of them DOLA DIFFERENT BETWEEN THE 3 OF THE BUREAUS.
Consumer complaint received 2018-02-02
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (MI)

No documents no verification through the debt collection Company XXXX XXXX just saw this from a alert on my email that my account was in collection XXXX buy a company XXXX payday loan of {$840.00} never request or apply for a loan online I usually do it local. XXXX XXXX XXXX is in violation of only Fair Labor practice did not notify me just popped up on my credit report XXXX as a collection
Consumer complaint received 2018-04-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Sortis Financial, Inc. (MD)

XX/XX/XXXX New servicer per letter from XXXX XXXX ( Loan number XXXX ) on XX/XX/XXXX will be Sortis starting XX/XX/XXXX. To date I have not received any official letter from Sortis. ( Sortis Financial Inc, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas XXXX. I have had a housing counselor since XX/XX/XXXX ; he called Sorits last week on XX/XX/XXXX and was told that my mortgage had not been transferred yet and the information was not in the system ; therefore he could not verify my original loan information : {$120000.00} and payments are {$1100.00}. I was advised to wait until he talked with Sortis before sending a payment. I got a call from my homeowners insurance agency on today stating that Sortis wanted to escrow my account ; but I have not heard from Sortis officially. 
Spoke to my homeowner policy agency today. The caller to my homeowners policy agency was XXXX XXXX from XXXX XXXX XXXX XXXX or Sortis, at XXXX. They wanted to escrow my account, but they only wanted to pay the only the balance of the account ; not for a full year ; they were going to overnight a check. Still I have not heard from them and I told my homeowners policy agency not to make any changes. 
I contacted my housing counselor and he was in touch with Sortis and they said they acquired the loan this past Friday, and that is why I had not received anything from them yet. They said my new loan number will be # XXXX. They told the housing counselor to call back in a few days and they will start modification procedures. 
I am concerned because : # 1 Sortis called my homeowners insurance policy agency before any official paperwork was sent to me ; # 2 XXXX said the loan was transferred on XX/XX/XXXX but Sortis said they did not acquire it until XX/XX/XXXX. 
I will continue to work with my housing counselor and would like to get a loan modification with a lower interest than 11.2 % and payments less than the {$1100.00} that I am paying currently.
Consumer complaint received 2022-06-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NJ)

Jefferson Capital System reported to all three credit bureaus a debt of {$950.00} that is not owed by me. This debt was previously removed from the report, but is appearing again. The creditor never contacted me prior to reporting such to the credit bureaus. It failed to follow the guidelines outlined in the Fair Credit reporting act. As such, it is requested that it be removed from all three reports.
Consumer complaint received 2020-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I recently applied for three different credit cards. I was denied on all three and really could not understand the reason behind that. I knew my credit was good and there was no way. I then pulled my credit report on my own and saw a outrageous list of accounts that do belong to me. I have never seen these accounts please delete these accounts from my report. 

US DEP ED XXXX {$8500.00} XXXX XXXX XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX XXXX  XXXX {$120.00} XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX  XXXX {$940.00} XXXX  XXXX {$120.00} XXXX  XXXX {$100.00} XXXX XXXX XXXX  XXXX {$370.00} XXXX XXXX XXXX  XXXX {$290.00} XXXX XXXX XXXX    XXXX {$100.00} DPT EDXXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX  XXXX {$22000.00} XXXX XXXX XXXX {$22.00} XXXX, XXXX XXXX {$640.00} XXXX XXXX {$210.00} XXXX XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX XXXX {$160.00}
Consumer complaint received 2018-04-26
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. (GA)

I recently looked at my credit report and saw several accounts and addresses that I have never lived and or been associated with. I did file a police report about the fraudulent information on credit report. Below I will list the accounts and address that are incorrect on each credit bureau XXXX Credit Report : Account Name : XXXX XXXX Co L Account # :XXXX Date Opened :XX/XX/XXXXBalance : {$300.00} Account Name : XXXX XXXX XXXX   Account # :XXXX Date OpenedXX/XX/XXXX Account Closed Account Name : XXXX XXXX XXXX Account Number:XXXX   Date Opened:XX/XX/XXXXAccount Closed Account Name : XX/XX/XXXXAccount # XXXX  Date OpenedXX/XX/XXXX Account Closed XXXX fraudulent address listed below : XXXX XXXX XXXX XXXX XXXX GA XXXX  Equifax Fraudulent addresses : XXXX XXXX XXXX XXXX XXXX GA XXXX   Equifax has birthdate incorrect as XX/XX/XXXX XXXX Credit Report : Account Name : XXXX Account # : XXXX Date Opened:XX/XX/XXXX Account Closed Balance : {$1700.00} XXXX  Fraudulent Addresses:XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX XXXX XXXX  , GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX has my named misspelled as well XXXX XXXX
Consumer complaint received 2022-06-14
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: SYNCHRONY FINANCIAL (CA)

For the first time this month XX/XX/2022, received a bill and emails for a past due of {$120.00} and a balance of {$3900.00} from Synchrony Bank XXXX that I didn't recognize. I call CareCredit Synchrony Bank at XXXX and filed a fraud claim. All this started this month and was told that the account was opened XX/XX/XXXX of this year. Waiting for document from Synchrony Bank to complete. I don't understand how this came to be, because I've attempted to open a credit account and was declined in the past.
Consumer complaint received 2022-10-21
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

On XX/XX/2022, While running my credit report I found a fraudulent card that I have never opened up or an account that I have never held. It says that the card was opened on XX/XX/2022 with a {$20000.00} limit and {$10000.00} was charged.I have never opened this account, and I do not have an account with USAA. I need to know how to get this fraudulent activity off of my credit report. I called the company USAA at ( XXXX ) XXXX and they said they would get back to me.
Consumer complaint received 2020-11-06
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: Experian Information Solutions Inc. (NJ)

Good afternoon, I have been submitting over 20 dispute letters in the past two years to experience. Not once were they able to comply with the regulations and remove the falsely reportedXX/XX/XXXXXXXX XXXX account on my credit. I have attached every response letter I was able to find where you can clearly see that not once were they removing this account. I have been extremely patient and follow the regulations of the 609 law that protects my rights. 
However Experian failed over two years to remove a single account. This is why I refuse To communicate with experience in order to resolve the issue and have been addressing CFDP in order to assist me with this matter. If you need any additional information please let me know. This letter is a formal request for the description of the procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this reinvestigation, in compliance with the The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish, and insist you comply with the law by providing the requested information within the 30 days allowed. As a matter of convenience to you and to expedite my request, I am resubmitting my request to correct my credit report. Account # XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-06-14
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. (OH)

On XXXX XXXX collection agency ( Caine & Weiner ) add a derogatory mark on my credit report per experian. Upon, further research, this account was transferred/sold and i am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there is No written communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it mines. According to the FCRA. ( Caine & Weiner ) has violated my rights as a consumer and I'm requesting legal action to remove the account immediately.
Consumer complaint received 2021-10-27
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. (GA)

In XX/XX/2020 an derogatory account was reported for the XXXX. I'm filing a claim under FCRA Section 623. I'm in desperate need of this account being removed.
Consumer complaint received 2021-10-21
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: AMERICAN EXPRESS COMPANY (PA)

I have the XXXXXXXX XXXX XXXX XXXX and the Hilton Honor XXXX  card with AMEX. 
On the XXXX XXXX XXXX XXXX, I made a purchase at a XXXX XXXX  using this card and according to AMEX advised this card earn XXXX points for purchases at a XXXX XXXX and XXXX is a XXXX brand but I did not earn the XXXX points like it advertised also did not earn the XXXX statement credit for this purchase. Another purchase later than the XXXX one already showed up XXXX points and the statement credit. I spoke to an AMEX agent and the agent only said I should wait 8-12 weeks for the statement credit but did not answer why a later one already showed up the statement credit and all the agent can do was open an inquiry but because it was labeled as inquiry the AMEX agent said there is no time frame for inquiry case and it could take as long as possible to solve. 
On the XXXX XXXX XXXX card, I have a purchase I made at a XXXX hotel but it did not earn the XXXX points like AMEX advertised for purchase made at a XXXX XXXX. A case was opened earlier and I was told to wait XXXX weeks for an answer so I came back 7 weeks after and an agent told me that I was misinformed there is no timeframe for this case and it could also take as long as possible.
Consumer complaint received 2022-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/XXXX, Bank of America in XXXX California ( I was and live in Mass ) withdrew {$1000.00} by a Teller. I am unable to see of transactions, ATM, Check or Cash Withdrawal. That day my cellphone and Banks accounts were taken over by some type of fraud. I was able to lock down my credit card accounts but not my checking account in time, which resulted in {$1000.00} cash withdrawal. I filed a fraud complaint with BOA and changed all my accounts within two hours on XX/XX/XXXX. BOA had held back the {$1000.00} since XX/XX/XXXX. 

I have been following up since XX/XX/XXXX in an attempt to be reimbursed for the {$1000.00}. I have called almost every week. This morning I was told I must wait 90 BUSINESS days for BOA investigation completion before any type of reimbursement. 

BOA is a bully and I feel horrible for any family that lives paycheck to paycheck and would have this {$1000.00} held back from a family. Just recently BOA was fine {$220.00} million for freezing customers account with a faulty fraud detection program. Clearly BOA targets those of society that have little or no voice. 

I respectfully request the federal government to investigate BOA fraud policies for the sake of those that are living paycheck to paycheck. 

How can this possibility take 90 days for investigate? I must wait until approximately XX/XX/XXXX for BOA to conclude their investigation? I am stunned into silence that the sixth largest American company needs 90 business days to determine that their company gave away my funds out in California. 

I respectfully request Consumer Finance advocate for the same account owners of Bank of America
Consumer complaint received 2021-10-27
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CommonBond, Inc. (NY)

I, XXXX XXXX entered a consumer credit transaction with Common Bond on XX/XX/2021. Common Bond has sent me a bill every month from XXXX to XXXX in the amount of {$310.00} in which I have paid. Pursuant to 18 USC 8 all bills are the obligation of the United States so the debt was paid for already ; Common Bond should not have collected money from me monthly in that time period. There are also multiple violations that Common Bond has committed and I have included those in the attached documents.
Consumer complaint received 2022-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I submitted my dispute letters along with XXXX forms of verification to Transunion on XX/XX/XXXX through certified mail. XX/XX/XXXX the company sent a letter out stating that they cant confirm or deny whether it was myself, a third party or robot who sent out the dispute letters. I called Transunion to speak about the letter I received and I was told I can only dispute online. It is now XX/XX/XXXX. I then went online to file a dispute but I was limited on what I could dispute. Still no results from the XX/XX/XXXX dispute.
Consumer complaint received 2018-04-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SUNTRUST BANKS, INC. (FL)

Since middle of the month of XX/XX/XXXX, Sun Trust Bank put a hold on my business account ( XXXX XXXX XXXX XXXX ), account number XXXX. When I went to check on the status and the reason of it, they notify me that a person sent a wired transfer by error to my account. When I asked the manager of the branch, XXXX XXXX XXXX, the name of the person I notice he was my client. Immediately, I called my customer service department and verify that XXXX XXXX XXXX, a XXXX XXXX  Customer, who paid signed and paid for our services, was our customer since XX/XX/XXXX. I let XXXX XXXX XXXX  knows that this customer was lying and I will be back with the signed contract to proof that he was my customer.

XXXX XXXX XXXX   provides me with a document to sign in order to refuse the refund to XXXX XXXX. I came back with the signed contract as evidence and was send it to Corporate. XXXX XXXX, as a customer, never called either or send any communication or the intention to cancel the services with us. As stated on our contract the right of cancellation, and by the state of Florida, the customers have an unwaivable right to cancel the contract, by any reason within 10 days after the date they sign the contract by notifying our office in writing of their intention and send it by mail or Email.

As a company, we contacted XXXX XXXX to try to understand the situation and he confessed he was instructed to do so by XXXX XXXX. Then XXXX XXXX sent a letter by fax to apologize and saying it was a wrong decision. On XX/XX/XXXX, we received a letter from Sun Trust Bank saying that they will send a check of the funds available ( {$59000.00} ) in 15 days.

When I went on XX/XX/XXXX to the XXXX XXXX XXXX  Branch, they told me they do not have any information. I called to the Customer Service on XX/XX/XXXX, and they told me they do not have any update on the system, and to go to the Branch to get more info about my case.

Definitely, they are not giving me any explanation or taking my case seriously. I am unsure about what is happening with my case and the procedure to follow. Please revise my case in order to have the appropriate information and the release of the funds, the sum of {$59000.00} as soon as possible.
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OPORTUN FINANCIAL CORPORATION (CA)

I have an inquiry on my credit report from Oportun Inc./Progreso financial on XX/XX/2022 and XX/XX/2022 and I NEVER applied for a loan with this company. I reached out to Oportun  about XXXX  months ago and I have the letters of correspondence stating they apologize but nothing has changed. They continue to sell my information to the Dark Web and I receive harassing calls daily from them and other companies attempting to get my personal information. I have also received letters from them asking me to do business with them since I reached out to them to remove me from their contacts!