davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (PA)

Had this synchrony card for a year and misplaced the card. I contacted customer service and was told to hold on. While waiting, I located the missing card. The customer service representative came back on the phone and told me the card was cancelled. He requested another card. I was told that I could go to Lowes and make a purchase because they are there highest vendor. I was also told that Lowes could look up my new account information. I went to Lowes two weeks ago and was told that they did not know who Synchrony home was. I wasted my time, effort and gas to be told that they do not accept Synchrony home. To date, I just received the card yesterday, Saturday XX/XX/2020. The card number to the first card is XXXX. I called today XX/XX/2020 and was told that the second card XXXX I received was also cancelled and that I called to cancel from Lowes on XX/XX/XXXX. This is not true because I was with a Manager in Lowes who was with me the entire time and I can get proof from them that I did not cancel any account at that time. Additionally, my cell phone was not working from XXXX XXXX and it just started working today which is why I called. I was also told that I called and cancelled the account yesterday XX/XX/XXXX. I believe that fraud is being committed on my account because at every turn, I am being prevented from using my card. I spoke with a representative named XXXX  who was abrupt and rude. She transferred me to XXXX who is XXXX XXXX  and accent prevents you from understanding them and he transferred me to a dial tone. Called back and got XXXX who was equally rude who transferred me to a dial tone as well. Called back again and got a XXXX who wanted to argue with me about everything when all I asked is to speak to a Supervisor. I was just transferred back to XXXX and I just hung up.
Consumer complaint received 2020-05-14
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: Experian Information Solutions Inc. (AR)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX {$270.00} XXXX XXXX {$1700.00} XXXX XXXX XXXX {$50.00} XXXX  XXXX {$350.00} XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX XXXX XXXX {$2300.00} XXXX XXXX {$40000.00}
Consumer complaint received 2021-08-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (VA)

Hi. Equifax and XXXX XXXX continue to report false information on my CBR about an auto loan that was paid via XXXX and my gap insurance in XX/XX/XXXX. Equifax even reported my balance at XXXX  and a few months later reported a new balance. My car was totaled and I owe nothing. XXXX has continued to harass me and violate FDCPA and FCRA.
Consumer complaint received 2020-06-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC (TN)

I frequently monitor my credit and discovered two collections charges from Capio Partners. One charge is for {$1500.00} and one for {$1500.00}. 

I called the collection agency to see what these charges were about and was told it was for XXXX XXXX provided in the state of XXXX. I have never received medical service in XXXX! It is obviously not me but no one will remove these charges. I have filed a complaint with my local Sheriffs office in XXXX XXXX  but not sure that does any good. Please help as Ive worked hard at maintaining near perfect credit and this is hurting me.
Consumer complaint received 2017-08-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Credit & Collection, Inc. (NY)

I was seen At XXXX XXXX XXXX and gave all the proper insurance information, address, numbers, etc. The billing department wrote my address incorrectly and I never received a bill. I was put into collections and XXXX XXXX XXXX called to collect the debt. It was then I learned that : 1. I owed the debt 2. My address was written incorrectly and i had never received a bill from the doctor 's office, nor from XXXX XXXX XXXX I asked the girl on the phone to send me a copy of the bill, so I can pay it- which she did not do - she sent me a copy of whatever she was looking at with no address to pay the bill. She also changed my billing address to the correct address. 

At that time I took the paper she sent to the XXXX XXXX XXXX and paid the bill. I was told I would absolutely be taken out of collections by the office manager, as well as the billing manager, as well as Nationwide Credit.
A week later, Nationwide is still trying to collect money for a debt that should have never been mine, and has since been paid. I have left another message for them and have not heard back from them yet. I do not want this to affect my credit score, which is in the top tier.
Consumer complaint received 2020-08-30
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. (MO)

I submitted letters to all three credit bureaus, XXXX, Equifax, and XXXX, on XX/XX/2020 requesting information be provided to me authenticating 3 collection accounts listed on my credit report, including contracts or service agreements that I signed, in accordance with section 609 of the fair credit reporting act. None of the 3 bureaus provided me any information, merely stating that they validated the authenticity of the reports. I would like to see the signed contracts as I believe these accounts to have been made fraudulently. I opened a new dispute through XXXX XXXX on XX/XX/2020 with XXXX with the claim of fraudulent accounts on the reports and again got no resolution, they merely closed the dispute.
Consumer complaint received 2020-08-30
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: CITIBANK, N.A. (NJ)

Company yet AGAIN rebilled me for a transaction that I proved to be invalid!!! 
For this particular one, I emailed them proof on XX/XX/XXXX. They sent a letter out XX/XX/XXXX stating they found the charge to be valid, completely disregarding my supporting documentation showing that I was already charged for the same transaction by my other bank ...
Consumer complaint received 2021-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX address that is listed on my credit report - I have never resided at that residence. This item needs to be removed - there have been several instances in which I get asked security questions about this address as if I lived there. The other addresses that are listed are correct. I asked this items to be removed before and i dont believe it was fully removed. across all reporting agencies.
Consumer complaint received 2020-11-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stevens Business Service, Inc. (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2020-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

I filed for bankruptcy on mortagage. XX/XX/XXXX. When I was married XXXX ( to now ex spouse ) signed as joint owner. At time didnt even live in the house. And never lived in it. Got divorced later- XXXX. Signed Quit Claim Deed. But course name still on loan. X can not refiance ro get my name off. So I filed chap XXXX to get it off. But the act is still showing active/open!
Consumer complaint received 2020-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (NV)

I dont remember tur date but I had had this credit card for years always on time I had set myself a goal to pay the account off so I had shred it the card and paid the entire thing off next thing I know I got a call stating I owed over {$1600.00} and i told them this was impossible since had paid off the card off and I told them I didn't even have a card for years now with them and they send me alot of charges that assure it was me when I told them that maybe someone got ahold of my credit card and used it for a long time with out my consent and they said that those charges where made from me when there where charged in california when I was here in XXXX and I had not gone to california in years also there where alot of XXXX and taxi charges when I had 2 veichles of my own not needing to use those services. Their response was telling me that those are my charges and wanted me to pay them the fill amount I even offered to pay them the total charges in a payment plan which was below {$500.00} which was the total charges someone used my credit card the other {$1100.00} was just intrest charges and late fees adding up to over {$1600.00} and they said no that I had to pay them for the full amount this is not fair since I didn't make these purchases. 

This account was opened XX/XX/XXXX and it was closed on XX/XX/XXXX over 11 years ago
Consumer complaint received 2020-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: NAVY FEDERAL CREDIT UNION (CT)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2017-08-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MN)

I contacted Ditech in XX/XX/XXXX after receiving my monthly mortgage statement. I called their XXXX number and sat on hold for a half hour.
I spoke to a rep named XXXX and requested information so I could start paying my mortgage every other week. She said she would immediately email me a form and that I needed to fax it back them. We hung up. I checked my email. Nothing. I tried calling back a few times, but always got placed on hold. I do n't have time to sit on hold for something this stupid and easy. I emailed their customer service department a week later with subject line " COMPLAINT. '' It has been almost two weeks and I have gotten ZERO response.
Consumer complaint received 2023-01-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (WA)

I received a notice from Caliber on XX/XX/XXXX that my Escrow Account had gone negative and that my new monthly mortgage payment would be increased from {$2500.00} to {$4700.00} to cover the deficit. The new mortgage amount would be due in XXXX. 
I immediately called Caliber and learned that Caliber had erroneously paid the property taxes for my parcel and for the parcel owned by my neighbor, for which Caliber has not financial interest in XXXX. 

I spoke to Caliber Customer Service and their Tax Department 12 times between XXXX XXXX. I was assured that the issue would be resolved before my XXXX payment was due. This did not occur. I was forced to pay {$4700.00} in XXXX to avoid a late fee or blemish on my credit. I also wrote to Caliber Customer Service on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX in attempt to resolve this issue. 

I learned on XX/XX/XXXX in a conversation with the Caliber Tax Department that Caliber had received a refund for {$11000.00} on XX/XX/XXXX, and that the funds would be applied to my Escrow Account. This did not occur. I received notice that my XXXX mortgage payment would still be {$4700.00}. I sent a letter to Caliber 's Customer Advocacy and Response Department on XX/XX/XXXX asking them to resolve this issue, waive any late fees and re-estimate my mortgage payment. This did not occur. I am now facing a XXXX mortgage payment for {$4700.00} to avoid a blemish on my credit. 

On XX/XX/XXXX, I called Caliber 's Tax Dept and Customer Service and learned that the refund of {$11000.00} had been deposited in Caliber 's Corporate Advance Account rather than my Escrow Account. The Customer Service Rep asked that it be deposited in my Escrow and suggested that I call back in 5 days. 

On XX/XX/XXXX, I called Customer Service and was told that the Esrow Account was still negative. She researched the issue and found that the {$11000.00} was still in Caliber 's Corporate Advance Account. She tried to initiate a reversal, but the funds have still not been deposited.

I am now concerned that my credit rating will be impacted by Caliber 's error. I have asked that the {$11000.00} be deposited in my Escrow, that my mortgage payment be re-calculated and that I receive a refund of the {$2200.00} that I was forced to pay in XXXX with interest. I may have to pay this amount again in XXXX to avoid a Credit Bureau Reporting.

It has been extremely frustrating to bear the cost of Caliber 's error.
Consumer complaint received 2020-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (OH)

My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX, OH XXXX. I would like any and all fraud alerts or Credit Freezes removed from my credit report. I am having issues with my credit file reporting correctly. I have two XXXX XXXX accounts yet only one is reporting and it is impacting my credit score. Not sure if there is an issue as to why its not reporting correctly.
Consumer complaint received 2021-08-09
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. (TX)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission and 15 US Code 1692e ( 2 ) ( a ) and ( b ), the latter was truth and lending act. They are reporting a collection as an Open account that is not under FCRA Compliance. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2018-07-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (CA)

To whom it may concern, I had an account with XXXX XXXX prior to leaving my apartment. When I moved I called and tried to cancel my account. Instead, the representative convinced me to place the account on hold until I found a new location to live. It took me about 3 months. When I called to reactivate my account I did not agree with the balance owed and asked them to terminate my account. I do not feel that the balance is correct. I have tried for years not to resolve this account. The representatives are always rude and unwilling to work with me. I truly believe this balance to be incorrect and request immediate deletion from my credit.
Consumer complaint received 2017-08-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

Portfolio Recovery Associates sued me in XXXX of XXXX for a time barred debt on behalf of XXXX XXXX. I contacted the company. They wanted the entire amount which was around {$3500.00}. They claimed that I made a payment on it back in XXXX XXXX. I went to court and took my bank statements showing that I never made a payment. I even had a statement showing when the last payment was made. The debt was already time barred as it had been XXXX XXXX years since the last payment. The judge ruled in my favor and threw out their claim. I am now receiving phone calls from the same company, but this time out of XXXX instead of XXXX XXXX where it originally started.
Consumer complaint received 2023-02-22
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. (MD)

In accordance with the Fair Credit Reporting Act XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DEPT OF ED/XXXX XXXXXXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDUCATIONXXXX XXXXXXXX DEPT OF EDUCATIONXXXX XXXXXXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX CHILD SUPPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHILD SUPPORT XXXX XXXX DEPT OF DEFENSE XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights . 15 U.S.C. 1681 section 602 A. States that I have the right to privacy. 15 U.S.C. 1681 section 604 A. States that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission, the latter was truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2023-02-15
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. (LA)

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. 
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 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 2022-11-18
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. (IN)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/XXXX but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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