davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I disputed account on my credit report with Equifax my first dispute was sent out on XX/XX/2018 which they did not respond to even though I had given them amply time to do so. I sent a no response for my disputes to Equifax on XX/XX/2018 and still today they have failed to respond or properly investigate my disputes. They have outright ignore my request to dispute which is a violation of my right clearly
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (MN)

XXXX off XXXX Recent changes XXXX Credit score XXXX point since XX/XX/2023 Balance Increased WELLSFARGODEALERSVCS account balance increased ^ Between XX/XX/2023 and XX/XX/2023, your WELLSFARGODEALERSVCS automotive account balance increased by {$150.00} from {$35000.00} to {$35000.00}. 
It looks like your balance went up. This could be the result of a missed payment, which can have a negative effect on your score. Your total debt also typically factors into your credit score, so it's best to keep it low if you can. 
Balance Decreased XXXX CARD SERVICES account balance decreased Today XXXX XXXX XXXX XXXX  How does a loan increase with no missed payments. This showed up on my credit report from Wells Fargo to XXXX
Consumer complaint received 2019-07-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

PRIOR TO SPS XXXX SERVICED THE LOAN NOW THAT SPS IS THE SERVICER THEY WILL NOT ACKNOWLEDGE MY INCOME AND ARE BASING THE MODIFICATION PAYMENT BASED ON A HORRIBLE VALUATION OF MY HOME BY DOUBLE THE VALUE WHAT THEY DO IS DEFINITELY NOT SPS DO NOT CONTACT ANYONE TO DISCUSS THE MATTER THREATENING WITH FORECLOSURE
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

The presence of this account has caused me considerable distress, to the extent that it is affecting my ability to sleep. I have provided all the necessary documentation for its removal, and I sincerely implore you to remove it from my credit report.
Consumer complaint received 2023-03-21
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. (TX)

This is my further Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I sent XXXX  several letters for years. I recently sent them certified letters on XXXX XXXX, 2019 ; XX/XX/2019 ; and XX/XX/2019. I sent letters disputing an account for Bank of America that does not belong to me. I asked them on many occasions to investigate this account. They all come back with, this account is verified to belong to you. I have asked for proof and method of verification done in this process but was never done. 

I have never had an account with Bank of America nor have applied. 

At this point, I am tired of asking them to comply and do their job. I need assistance in this matter.
Consumer complaint received 2019-07-07
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)

I am writing this complaint because I wrote to experian in regards to accounts that are reporting on my credit as inaccurate and/or as violations of the fcra. They have ignored my request for deletion of all accounts with inaccuracies and violations. Please resolve this as soon as possible. Thank you
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

XXXX XXXX as a consumer, am notifying you that I dispute this alleged XXXX XXXX XXXXXXXX XXXX + pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE TO ME VERIFICATIL OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF 7 MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. 
XXXX Since this debt is disputed pursuant to the Fair Debt Collection Practices Act. you are required to cease all collection of this alleged debt which include reporting to my consumer report with XXXX, XXXX, AND EQUIFAXXXX I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. As you sold this debt to another company also DID NOT consent to you reporting information in my name to the consumer reporting agencies.
Consumer complaint received 2019-07-07
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. (TN)

I sent Experian several letters for years. I recently sent them certified letters on XXXX XXXX, 2019 ; XX/XX/ ; and XX/XX/2019I sent letters disputing an account for XXXX XXXX XXXX that does not belong to me. I asked them on many occasions to investigate this account. They all come back with, this account is verified to belong to you. I have asked for proof and method of verification done in this process but was never done. 

I have never had an account with XXXX XXXX XXXXXXXX nor have applied. 

At this point, I am tired of asking them to comply and do their job. I need assistance in this matter.
Consumer complaint received 2021-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Collection Consultants of California (CA)

On XX/XX/2021, a derogatory mark was added on my credit report per XXXX XXXX from Collection Consultants Of California for the {$230.00} now {$300.00} and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), upon further research, this account was transferred/sold, and I am no longer responsible for the account. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPPA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX to release my medical information to a third party. I am aware HIPPA does allow for limited information about me but anything more is to only be revealed with the patients authorization. My request, therefore, is twofold per validation of debt and HIPPA authorization.
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (TX)

My credit report is being negatively affected because it shows the account was " Paid, Closed. {$410.00} written off. '' For a 8-9 months now, I've been working with Ally to get this fixed and also disputing the results on XXXX but there has been no results! Ally customer service tells me they have put in a " work order '' to fix the issue and that it takes XXXX weeks. After numerous work orders, experian disputes and countless of hours spent talking to Ally, I am left no choice. I have a letter from Ally showing that my account is PAID IN FULL ( and I've attached this letter to the XXXX disputes ) but my dispute gets denied. Ally is saying it's paid in full to me verbally but they are not able to update my credit report.
Consumer complaint received 2020-02-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

My mortgage was sold from XXXX as of XX/XX/XXXX to Shellpoint mortgage services. I am not to receive any fees the first 60 days after mortgage transfer. I DID NOT have any late fees with my previous servicer XXXX before transfer. 
The first mortgage statement I received from them dated XXXX XXXX XXXX shows no late fees. It also says that payments received AFTER the XXXX will then receive a late fee. 
I receive my XX/XX/XXXX mortgage statement and I see the next late fee for XXXX. 
This is wrong for 2 reasons. 

First I am in the 60 day grace period of loan transfers Second I paid on XX/XX/XXXX ( late fee should not be assessed since it was NOT after the XXXX ) and I paid XX/XX/XXXX also not late. 

Please have this fee reversed
Consumer complaint received 2018-05-01
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: First Data Corporation (OK)

I use XXXX XXXX XXXX XXXX pay card for my payroll check and around XX/XX/2018 started seeing unauthorized transactions appear I filed a dispute and cancelled my card and a new card came in the mail and I still saw charges popping up from the same place in the meantime my dispute was denied even though I was within all of the guidelines and time parameters specified by law and XXXX XXXX XXXX policy I sent letters of dispute they didn't receive and sent them back to me I filed emails to the dispute Department only to learn that my dispute had been denied for inconsistent information there is no inconsistent information because I used the information directly from my account online and put the dates the description of the air and the amounts that were totaling over {$700.00} they say I have to appeal but the appeal process can take 45 to 90 days. When I tried to talk to the dispute department they say that there's no way to contact them.
Consumer complaint received 2023-02-10
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. (MD)

I am submitting a complaint in reference to XXXX XXXX They have reported this to my credit report after it was removed proved in the documents attached along with my FTC report from 2020 XXXX  XXXX XXXX. They refuse to remove from my credit report after poor investigation and receiving my fTC report from 2020 If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, n item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ... ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. The Consumer reporting agencies are also in violations of ... 15 U.S.C 1681 section 602 A. States that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : Sates a consumer reporting agency can not furnish a account without my written instructions 15 U.S. C 1681c. ( a ) ( 5 ) 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 9A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15. U.S. C 1681 C Section 605 B 15 U.S C 1681 e ( b )
Consumer complaint received 2019-07-07
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: The CMI Group, Inc. (NC)

I was contacted by Credit Management , LP multiple times by an automated dialer used to recognize the person answering by voice. They would never say anything until I redialed the number and then I would reach someone, this happened as recently as XX/XX/2019 at around XXXX. 

I asked them to verify the debt but they have no information to verify and they transferred me to XXXX/XXXX fraud center and they don't have enough information to verify the debt either.
Consumer complaint received 2019-07-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TN)

This house was first purchased in XXXX. What happened to the payments that were made from XXXX through XXXX? Ocwen didn't record the assignment to the registers office so why? There are records that show HUD ( XXXX XXXX ) sold the mortgage to XXXX XXXX XXXX not Ocwen. I need legal documents from the company that you purchased the loan/mortgage from showing my balance when it was purchased by Ocwen. I don't think Ocwen took into consideration or documented the correct balance when they received the loan. If I purchased the house for {$34000.00} in XXXX how can I still owe that amount plus more when you took over which was about 15 years later ; once again what happened to the payments I made before you took over?
Consumer complaint received 2023-03-21
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. (TX)

Under 15 U.S Code 1681e ( b ) and 15 U.S code 1681i ( 5 ) This account OFFICE OF THE ATTY GEN : XXXX # XXXX is in violation, not reporting 100 % accurate It lists the Child support Court as the furnisher, thats forgery and misleading when the courts do not report this type of accounts, it also lists this account as a loan, which I never requested, received or sign for. 

In accordance with The Credit Reporting Act Everything has to be 100 % accurate on my credit report.

they also violate my rights under 15 U.S.C 1681 section 602 A.States I have the right to privacy.

15 U.S.C Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-03-21
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (FL)

My student loan is in forbearance and has been the subject of a lawsuit " Navient Career Training Loans Discharged in Bankruptcy '' case. They call relentlessly day and night. Now they are harassing family members and friends with phone calls. How are they obtaining this information on these contacts?? My loan was back in 2005. There is a current lawsuit " XXXX XXXX, on behalf of herself and all others similarly situated vs. Navient Solutions , LLC and Navient Credit Finance Corporation ( Case no. XXXX ) that Navient agreed to stop collection on private education loans. This is ridiculous!
Consumer complaint received 2019-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My credit score just dropped without cause. My accounts have not changed, my inquiries have not changed, my payments have been made in full, and the only payment I do have is on time every time. Yet my score went from a XXXX to a XXXX. There is nothing derogatory that has happened that would have prompted such a drastic change in my score other than my recent complaint to XXXX for its unethical scoring!
Consumer complaint received 2019-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (IL)

On XX/XX/XXXX, Synchrony Bank sent me an email about my credit card saying, " We noticed that after we sent you a new Sam 's Club Mastercard last year, you continued to use your old card. This new card replaces your old Sam 's Club Mastercard. The old card will be deactivated soon and you will no longer be able to make purchases on it. '' When I rec 'd a new card ( expires XX/XX/XXXX ) I cut up my old card. So I obviously wasn't using it, so this email immediately made me nervous, believing someone was using my account with the old expiration date/security code from rear of the card. 

I called Synchrony Bank, spent way too long getting past their automated answering system, which said they were experiencing long wait times. ( To me that means they either did something that caused a lot of their customers to call in or they are understaffed. 

When I finally got a real person ( who obviously did not speak XXXX as his native language ), repeated all the info I had already given the automated system ( Seems like the purpose of the system asking is to keep you distracted so you don't realize how long you have been waiting ) and told him the purpose of my call, he said no one was using my old card, Synchrony Bank had sent this email to ALL their credit card customers! 

I told him that was unacceptable to think it was ok to send a bogus email containg lies to customers that makes them think someone is using their credit card w/o authorization and I may as well be doing business with Wells Fargo. 

I asked for the name & contact info of the gov't agency overseeing banks & credit cards but he wouldn't. When I said it was the FTC & I would look it up, he suddenly " remembered '' & gave me the phone number. 

Does the FTC allow banks to send such lying emails to credit card customers?
Consumer complaint received 2019-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (CA)

On XX/XX/19 I made what was deemed a purchase to an online company called XXXX XXXX XXXX, XXXX XXXX   XXXX with my XXXX XXXX XXXX Mastercard for XXXX. On the website it stated a XXXX fee was to be charged. 
As I do very month when my statement was posted online I paid my balance in full. I later saw that interest and a XXXX were being charged on my account as well. I called Barclay 's bank and was told that was due to my cash advance with XXXX XXXX. I told them I didn't authorize a cash advance, was never informed that this charge was one and hadn't done so in 35 years. 
I told Barclays I wished to dispute this charge, I was put on hold during which time I attempted to contact the merchant several times to no avail. A simple XXXX search listed numerous complaints of predatory practices against this company. 
When the customer rep returned they stated to contact the merchant and they wouldn't be disputing the charge and I should refer to the terms of my credit card user agreement. After speaking to several barclay reps I'm still getting charged interest thus far of XXXX, despite paying my balance off again in full again and paying extra on my card. When Ive called Barclay 's several times each customer rep also continues to gives me different information of how to pay off the unauthorized cash advance balance.
Consumer complaint received 2019-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (MN)

There is a hard inquiry from SYNCB on my credit report, I have not applied for any consumer loans, mortgage or credit cards. The inquiry is dated for XX/XX/2019. 

SYNCB XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Consumer complaint received 2019-07-07
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. (FL)

I am filing this complaint because I wrote to transunion regarding accounts reporting on my credit report that were inaccurate and/or violates the fcra. They have ignored my disputes and my request to have those accounts removed. According to the fcra they are required to delete all information pertaining to those accounts. Please resolve this as soon as possible. Thank you
Consumer complaint received 2019-07-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NC)

Starting in XX/XX/2018, I have been calling our mortgage company, NewRez, to try to eliminate my PMI. We submitted the application 2-3 times and time after time they escalate our claim, but we get absolutely no response past that. We have been paying PMI for 23 years and fully meet the requirements to eliminate that expense. 

Im afraid they are waiting for the market to shift so I would not qualify to receive this benefit. 

I appreciate your assistance.