davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-23
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SMITH, ROUCHON & ASSOCIATES, INC. (MS)

I have an account reporting on my credit reports from this company. I have contacted them by mail on XXXX separate occasions to ask that this debt be validated with proof of my signature to be included. The company has never responded, and continued to verify the debt with the credit bureaus and continue to update monthly as if this is an ongoing debt. The debt is also past the statute of limitations for the state of MS and they never indicated that the accounts were under dispute on my credit report. This is a violation that is illegal and can be considered pursuing a debt after the statute of limitations has passed.
Consumer complaint received 2022-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

On XX/XX/2022 I ordered a teller check for a deposit for a rental home. I called several times to check on the status of the funds as they were never received by the company. Every time I called I was provided different information regarding where the funds were sent. After multiple calls and requests for resolution I still have none. I am told they cant cancel payment on the lost check for 90 days. I was never told that they could keep my money for 90 days even if it is their error. Now I will be losing my rental home and likely be homeless with my child and have no way to recover these funds to pay my bills
Consumer complaint received 2017-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I will like a bankruptcy that does not belong to me that is being reported on my credit report deleted .. I will like proof provided that this was under my name full ssn and address where I reside, I have resolved this issue with the other credit bereaus and this is not something I have filed and is linked to my credit profile, also I have inquiries that I do not recognize and will like them removed I have been a victim of identity theft and will like for these things to be removed I provided documents stating what they are thanks
Consumer complaint received 2017-12-26
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. (NY)

I recently found 6 accounts has been listed wrongfully by XXXX, XXXX and EQUIFAX I have filed FTC report # XXXX and also i reported to local Authorities XXXX # XXXX accounts has been listed below as : ( ( 1- ) ) Account Name : XXXX Account Number : XXXX Date Opened : XXXX/XXXX/XXXX ( ( 2- ) ) Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX/XXXX/XXXX ( ( 3 ) ) - Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX/XXXX/XXXX ( ( 4 ) ) -  Account Name : XXXX XXXX Account Number : XXXX Date Opened : XXXX/XXXX/XXXX ( ( 5 ) ) - Account Name : XXXX Account Number : XXXX Date Opened : XXXX/XXXX/XXXX ( ( 6 ) ) - Account Name : XXXX XXXX XXXXS XXXX Account Number : XXXX Date Opened : XXXX/XXXX/XXXX
Consumer complaint received 2021-01-27
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. (FL)

I requested my credit report annually to check my credit status, reviewing the contents I come to across numerous reported debt that does not belong to me, I tried contacting the companies i got transferred around and never got actual person to help provide explanation / resolved how those accounts end up on my credit report. I strongly believe some unknown person got to my personal information fraudulently and used it. my goal filing this report is to have those delinquent accounts removed from my credit reports, at once i can get my good credit standing back.
Consumer complaint received 2016-04-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC (FL)

XXXX XXXX, 2016 : Pinnacle Credit Services is trying to collect for a debt I do not owe and they are reporting to the credit bureaus ( XXXX ). I called Pinnacle on XXXX XXXX 2016 and told them this debt is not mine and asked them to provide proof of documentation from the original creditor. They forwarded my call to XXXX XXXX XXXX XXXX. I again explained to them I am not responsible for the debt and would not did not agree to assume the liability. They told me they would send proof of debt and documentation to me in 2 week to 18 weeks because they are backlogged. 

XXXX XXXX 2016 : After a month of waiting for Pinnacle I decided to contacted XXXX and filed a complaint on XXXX XXXX, 2016 against Pinnacle. XXXX forwarded my complaint to Pinnacle who then replied on XX/XX/2016 to say the debt is valid but did they did not provide any proof or documentation. A representative from XXXX said I will have to contact Pinnacle/XXXX XXXX XXXX XXXX directly to request the documentation. I told XXXX this would be the second request from Pinnacle and that is why I am seeking the assistance of the FTC. 

XXXX XXXX, 2016 I need the assistance of the FTC to please help pressure Pinnacle Credit Services / XXXX XXXX XXXX. to either provide proof of documentation from the original creditor or cease their collection efforts and quit reporting negative credit reports to the credit reporting bureaus ( XXXX ). 

Thank you.
Consumer complaint received 2016-11-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Diversified Adjustment Service, Inc. (TX)

I have no recollection of this collection.DIVERSIFIED ADJUSTMENT. Never signed a contract with this company. I have written them directly and received no response. Someone either from a data breach or theft of my purse has use my information to obtain all kinds of weird things. I 'm tired of trying to call when they just tell me I owe the debt and do n't care to help
Consumer complaint received 2017-03-07
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: UMPQUA HOLDINGS CORPORATION (CA)

I purchased a commercial vehicle in XX/XX/2016 from XXXX ( XXXX ) and was informed that the product was a loan and that there were no penalty to payoff the loan. I later learned that XXXX was not the loan holder and that company was Financial Pacific Leasing. I also learned it was not a loan as explained by XXXX and that it was a lease agreement. This information was all learned after I gave them a down payment of {$17000.00} on {$65000.00}. I was under the impression via multiple converstations from the XXXX that my payoff balance {$55000.00}. The company intentionally misrepresented this information to lure me into a loan of which I had many other options to pursue because of my down payment amount and cash I had on hand. I never intended on obtaining a lease agreement of any sort and did not learn about the agreement until loans were already processed and finalized. I called in XX/XX/XXXX to get the payoff amount for the loan I was advised it is {$110000.00} which was a shock and no where near the {$55000.00} balance payoff I was advised of.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I am writing to follow up on my previous correspondence via the Consumer Financial Protection Bureau ( CFPB ) regarding my request for a reinvestigation and the subsequent removal of disputed negative items from my credit report. Regrettably, I have yet to receive any resolution or acknowledgment from your department, leaving this matter unresolved.
Consumer complaint received 2020-06-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A. (PA)

I was trying to link my PNC bank account to the XXXX XXXX app which uses the program " XXXX ''. it keps telling me there was a problem processing my request and that the account could not be connected at this time. 

Later on in the day, i went to use my XXXX app to send a colleague some money. XXXX just started using XXXX as well, and once again did not let me connect my bank account to my app. 

after this, i tried calling PNC bank customer service, and they told me it had to be a third party problem. this is the only place i could think of to come to try and resolve this. Thank you in advance.
Consumer complaint received 2017-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XXXX/2015, 60 days XXXX/2015, 90 days XXXX/2015 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.
Consumer complaint received 2017-02-23
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (OR)

i called today to get my XXXX private school loans reduced because the payment went up after XX/XX/XXXX. I make only XXXX month and the payments for XXXX private loans I took out by mistake for XXXX school that I was unable to get into a program in the XXXX area because of the XXXX system. Now I am paying more and more and the rent in my area has skyrocketed. Please help me get them to lower my private school loans at least by XXXX . They did it before they can do it again. Thank you.
Consumer complaint received 2015-10-19
Product: Credit card — 
Issue: Transaction issue — 
Company: WELLS FARGO & COMPANY (TX)

Before I left out of the country for an extended amount of time I went down to Wells Fargo branch office to discuss my credit card payment while I was gone. I talked to a clerk and explained that I would be out of the country for well over a month. I paid a double payment to insure I would not miss any payments while I was out of the country. The clerk also informed me to download the Wells Fargo online banking app to help keep track of my account. I downloaded the app checked the day before I left and according to Wells Fargo there was " no payment scheduled ''. Upon returning home I had a letter in the mail waiting on me from Wells Fargo entailing how I have missed a payment on my credit card and it was reported on my credit score. I immediately called Wells Fargo to discuss the issue. I was told that a payment was scheduled while I was away and the failure to pay was my fault. I asked why my double payment was n't handled like I was told it should have been. Wells Fargo proceeded to tell me that 's not their policy and they did nothing wrong. After two weeks on several phone calls with numerous supervisors I have been told yes Wells Fargo made an error by the clerk telling me payment was n't due until after my return date. They also informed me that they are not willing to help correct their mistake. I went to the bank informed them of my situation before it was an issue, I also made extra payments trying to prevent this situation. I have been treated no better than a criminal by Wells Fargo and am just looking for a meeting half way. I have paid all late fees and talked to every department trying to resolve this.
Consumer complaint received 2018-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER BANK, NATIONAL ASSOCIATION (OH)

I recently had several unauthorized ATM transactions show on my Santander Bank account. There are still 2 transactions that have not been refunded. {$800.00} on XX/XX/XXXX and {$150.00} on XX/XX/XXXX. Now, I contacted them by phone via relay service ( Im XXXX  ), and the call got locked up near the end. So Im not sure if my dispute was actually filed or not. I decided to communicate through the CFPB instead of relay service so that its on record.
Consumer complaint received 2017-02-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

OCWEN Mortgage XXXX. Has not mailed me my tax documents. There 's a lot of complaints against them for this same issue. Also I submitted for a loan modification a couple of years ago & spent over {$700.00} in refaxing the documents to them from XXXX & ea. time they sd. They did n't get them. I almost ended up in the street with my XXXX kids & both of my parents living with me, I 'm a single mom.
Consumer complaint received 2017-02-17
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One Auto Finance is reporting me late to All XXXX credit Bureaus as of XXXX. I was never late at that time because I had an arrangement with them they would n't report me. I 've called them explaining this and they are saying they do n't show a late on file yet they keep verifying it at the bureaus. I am trying to close on a house and this is delaying it.
Consumer complaint received 2015-08-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NC)

I requested a break down of the fees which are considered arrears from Ocwen XXXX totaling {$9300.00}. After receiving break down ledger it indicated there were double amounts of charges for " property Valuation expense charges. '' Example of those charges billed were {$320.00} and property inspection fee of {$10.00}. They were charged sometimes twice a month. HUD was involved and in XX/XX/XXXX the Ocwen became the lien holder with starting out over {$10000.00} in fees. After requesting for modification that went through after drop in income, what was a fixed loan became a balloon at the end of the maturity requesting collection of the balance of the loan over {$40000.00}. I asked why ca n't we just do the lower interest because now I am working with a better income and not require this " balloon, '' during the time of the trial period, my answer was it 's better for you. They continue to add 10 years again on to the loan, which I do n't understand, it was mature at XX/XX/XXXX now I was told today it is XX/XX/XXXX. No correspondence was sent to me of this change.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$9000.00} XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$21000.00} XXXX. XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX {$340.00} XXXX. XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  Collection {$840.00} XXXX. XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) Collection Balance {$330.00} XXXX. XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Collection Balance {$570.00} XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4400.00} INQUIRIES : XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (NJ)

This is fraud. XXXX from XXXX from synchrony bank has not called me back regarding this matter. This is complete fraud and they know it. I am not responsible for this that its their problem. They need to be held responsible. She never calls back I left her several messages emails and no response. Id like to speak to her boss ASAP regarding this matter
Consumer complaint received 2023-04-13
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. (NY)

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 with information that doesnt belong to me and was not done by me under fraud. A XXXX XXXX - XXXX XXXX  XXXX : # XXXX, XXXX XXXX  : # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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. 

Thank you for your time, XXXX XXXX
Consumer complaint received 2018-03-21
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

As I write this I am in tears since being victimized by IDENTITY THEFT in XX/XX/XXXX and the credit reporting agencies failing over and over and over to remove fraudulent attempts to apply for credit because XXXX  breached my identity and they now have my : DOB SSN Current Address All three of the credit reporting agencies were sent VIA FIRST CLASS MAIL a request for 7 yr fraud alert along with copies of the XXXX Police Report filed after my identity was stolen. To date, none of them have put this 7 year fraud alert, and when the 90 day alerts expire, that is when the flood of fraudulent applications appear again as hard inquiries, which continue to plummet by FICO score and I have had to spend hours and hours with the creditors to tell them I did NOT apply for credit, or I have to cancel credit cards that have been used online fraudulently. I have gotten to the point where I have chosen to cancel credit cards because the banks that represent them have failed to secure my identity, and continue to let applications through even though their are security freezes and fraud alerts on all 3 credit reporting agencies. 


I had an average credit score of over 800 prior to XXXX ruining my score which has plummeted 25 points and higher because they REFUSE to remove the hard inquiries. 

I have screamed at XXXX and they said that they are EXPERIAN inquiries, and you have to contact them,, over 120 days ago I did just that after being flooded with letters from creditors saying they turned down my credit because of too many inquiries and applications for credit that I DID NOT do. 

prior to EXPERIAN being notified I was told I could put a security freeze, which I do have in place BUT they still have refused to remove the hard inquiries and now my FICO score has dropped 25-40 points since XX/XX/XXXX 

Now I am considering legal action by going to XXXX XXXX XXXX  reporters to help me get them to do their jobs and when the Trump Administration 's XXXX, your new Director dropped the complaints and investigation with CFPB on XXXX data breach and I am livid about that. 

I can't get any credit because after months the hard inquiries are still on my report. Experian told me they would do an investigation and remove them! They've done nothing expect ruin my life since I have to field weekly calls, letters, and emails stating I am applying for credit and is this fraud? 


that 8 hard inquiries were fraudulent and I provided a POLICE REPORT, I provided correspondence to make the 90 day fraud alert, permanent for 7 years
Consumer complaint received 2024-02-22
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. (VA)

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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 2022-09-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Exeter Finance, LLC. (WV)

This company set me up with an exorbitant interest rate auto loan a few years ago. I have made payments to the best of my ability through times of job loss, income loss, and pandemic related upheaval over the years. Anyway I have fallen behind recently and have done my best to not be more than 60 days late at the very least. I have made payments biweekly for some time now and keep getting exorbitant late fees piled on with seemingly no amounts being applied to principal. I have recently gotten a repo notice even though I have not not hit 90 days late ( and don't intend too ). I constantly get phone calls and as a medical provider have no time to talk to their agents. I have used their emails and messaging system on their website to no avail. They send no info or advice through these systems only try harrasing phone calls multiple times a day. Exeter needs to dispense with the constant late fees, phone calls, and whatnot and show results toward principle of their auto loans and do better to help people who are upside down on their loans instead of making the situation worse.