davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-26
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: GOLDMAN SACHS BANK USA (CA)

At the start of the pandemic in 2020, I was laid off and unable to make credit card payments, car notes, rent, etc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX I reached out to the company a few months ago, alerting them of my situation about how Ive had my account for many years and never missed a payment up to this date except for the missed payments at the pandemic 's beginning. Once I recovered, I paid all my debts and stayed on top of my bills. Its coming up on two years of on-time payments. I contacted the company asking if they could remove the late payments from my credit report because they happened a few months before the company offered the option to defer payments They said no. That is the only reason I was able not to miss any more payments was because of that option until I recovered and found work and paid my debt in full.
Consumer complaint received 2024-03-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (DE)

Throughout my history with this account, I've consistently maintained timely payments, preventing any instances of overdue payments. I'm uncertain as to why there are reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2021-10-12
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I've contacted XXXX and USAA to have these fraudulent items removed. USAA has requested XXXX not to remove or dispute items. I've filed a FTC report as well as police report. These items are fraudulent and I feel like the companies are not complying.
Consumer complaint received 2021-08-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION (MI)

On or around XX/XX/XXXX I received a copy of my consumer credit report from XXXX  and XXXX  upon careful examination of my reports I discovered an auto loan that was open in my name that didn't belong to me with Credit Acceptance corporation in XXXX Michigan. Since I had been an ongoing victim of identity theft since XXXX I immediately reached out to the credit bureaus explaining to them that I had not opened a car loan account with Credit Acceptance and sent them my I.D . theft affidavit that I had filed with the Michigan Attorney Generals office in XXXX. I asked them to contact Credit Acceptance on my behalf and provide me with a wet ink contract that bears my signature and contract with the company binding me to this debt. After two months with no response I became frustrated. So on XX/XX/XXXX I reached out to Credit Acceptance and told them that this account didn't belong to me and could possibly belong to a family member with the same name. I spoke with someone name XXXX in the Compliance department. She had me fax over my I.D . a copy of my birth certificate and a copy of the I.D.theft affidavit. I went on to tell her that I was an ongoing victim of identity theft. She reassured me that she would get to the bottom of the matter and get with me as soon as possible. Months went by with no word from her or the company. Repeated numerous calls were made to the company attempting to resolve this matter. When someone finally contacted me the person told me that they knew that the account didn't belong to me and that it was more than likely opened up by a family member with the same name. They also informed me that it was nothing that they could do about it and that it would be up to me to go after this person. Furthermore they told me that this debt would remain on my credit report. After experiencing my identity stolen and me doing everything that I thought possible to do to prevent from this happening again I felt devastated. How could a company put a debt on your credit report even after they found out that you were not the one who opened the account? Why weren't they required to produce the wet ink contract that was signed at the time of this account being opened? So fast forward five years and this account is still on my credit report adversely affecting my credit score and damaging my credit worthiness. Ive sent numerous letters to the credit bureaus disputing this account and asking for them to make Credit Acceptance show proof or verification of this debt with a wet ink contract bearing my name and signature. All to no avail. Ive also asked them to show me their method of verification. They respond the same as usual and tell me that the account was verified and it is still on my credit report. So in another good faith effort Im reaching out to the CFPB in hopes of getting these items removed off of my credit report for good.Thank you in advance for your time and consideration regarding this matter.
Consumer complaint received 2021-08-21
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX, I sent a letter to Transunion disputing inaccurate information on my credit report. They sent me a letter stating that it was verified. I then sent a follow up letter on XX/XX/XXXX asking how was a bankruptcy verified if I contacted the courthouse, spoke to Ms. XXXX XXXX at XXXX on XX/XX/2021, at XXXX and she stated that they do not do any business with the credit reporting agencies, hence, they do not report anything to Transunion ? So, how did they retrieve this information if the US Bankruptcy of XXXXXXXX XXXX did not provide such information to them. 

This unverified and inaccurate information they are reporting has made me paid several thousands more in interest and is preventing me from getting approved for a mortgage. So I demand that Transunion delete this item from my credit report immediately.
Consumer complaint received 2021-06-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, VA XXXX ) has been sending me collection notices in the amount of ( {$1300.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Consumer complaint received 2021-08-21
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

THE XXXX XXXX  ACCOUNT WAS XXXX IN XXXX XXXX BK ON XX/XX/2021
Consumer complaint received 2020-12-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc (TX)

I recieved a letter from Synergetic Communication , Inc. today. They are located at XXXX XXXX XXXX XXXX # XXXX, XXXX, TX XXXX. 
The letter stated that I owed {$8700.00} from XXXX with a 7 digit account number.

I do have 4 accounts with XXXX. One paid in full a few years ago, current and closed at my request. Two, paid in full, current and open. One with a small balance, current, recently paid and open. 
I do not have any accounts with XXXX that even have that high of a balance nor do they have 8 digit account numbers. 
I contacted XXXX and received a recording to leave a voicemail. 
Not knowing if I had fraud under my name I checked XXXX and found no accounts past due with these balances for XXXX associated with me. 
I then called XXXX and spoke with customer service, collections and fraud departments. While on the phone with them I again checked my accounts with XXXX and as stated above found them all to be in order. No department at XXXX could even find that I have ever had an account with them that 1. went to collections or 2. for this amount and the collections dept. verified that they do not use 7 digit account numbers for an account or a collection account.

This is a frraudulent company trying to collect falsified debts or debts barred by time constraints which is against the law. Luckily for me I am an informed consumer who also at one time worked for XXXX and underwent extensive FCRA training. This company needs to be fined and forced out of business as they are preying on the uninformed.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following INQUIRIES. 
EQUIFAX MORTGAGE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-11
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. (FL)

I have sent numerous letters to this company attempting to get to the bottom of the debt that appears on my credit report. i never had an account with XXXX  or caine & weiner so i had no ideal where this account came from. I would appreciate your help in contacting them and retrieving a copy of the contract ( if one so exists ) that states this company and I have business together. Please, as this is an issue that has been haunting me since XX/XX/2019.
Consumer complaint received 2021-02-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DRAPER AND KRAMER MORTGAGE CORP AND ECLIPSE MORTGAGE LLC (TX)

I applied for a loan with Draper and Kramer Mortgage ( DKMortgage ) and completed the initial application form. On XX/XX/21 I received a notice that the application had been denied due to lack of documents. While I was aware that I still needed to provide some documents, I did not know we were in jeopardy of being denied. I did not see any notices from DKMortgage warning of approaching deadlines, and I did not receive a call. Had I known, I would have done whatever was required to turn in any outstanding documents. As a result of the denial, I am prohibited from applying for a loan with DKMortgage for 30 days.
Consumer complaint received 2022-04-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (GA)

I mailed a personal check for $ XXXXfrom my Truist account to our contractor, XXXX  XXXX XXXX XXXX XXXX XX/XX/2022, at the XXXX XXXX XXXX XXXX GA ) post office. The check never arrived to the contractors office so I checked my account on-line to find that the check had been stolen and cashed by XXXX XXXX XXXXXXXX XXXX This name was handwritten on the check over the " erased '' payee to whom I wrote the check. I contacted Truist immediately and a fraud claim was issued. I have the claim number if you need it. That was issued on XX/XX/2022. Since that time, I have contacted Trusit several times to find that no one has yet looked at my claim. This morning was the last time I called them. I am now in need of help dealing with this bank. 
I have also filed a report with the XXXX XXXX XXXX.
Consumer complaint received 2020-07-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

I had a checking account in good standing with a Chase Bank for several years. On XX/XX/2020 without any prior notification ... the checking account was frozen by Chase Bank, and has been closed. 
I found out because checks written to pay utilities and a credit card were declined payment. 
I immediately contacted Chase a Bank local branch as well as their main customer service number and fraud department. I was told that they would not provide me ANY information, and did not want my business. I was also informed that I could not withdraw my funds. I have since had numerous visits to the local branch, and several calls to the main customer service numbers. 
I was told by both that my complete funds were being overnighted to me. 
Nothing has arrived to date. All deposits into this checking account have been direct deposit from payroll ( husbands employer ) and Social security for last several years. Recently on XX/XX/2020 a deposit was direct deposited from the IDES PUA Fund.  This was a legitimate deposit for Funds I applied for from the State of Illinois ... due to the Covid 19 shutdown of my employment. I applied for IDES PUA relief on XX/XX/2020 and received a check for relief and funds for all weeks that I have been affected dating back to XX/XX/2020. 
On Tuesday XX/XX/2020 after several more calls to the local branch and Chase Bank customer service ... we received a call from the local bank branch manager ( XXXX ) saying that I had to come in and show them my paperwork proving my claim information with IDES Dept of Unemployment for Illinois. 
This is extremely confidential information ... but, I went immediately to the local branch and supplied all the copies of my valid active claim including claim ID # and printed list of all weeks certified and paid by IDES Dept of Illinois PUA benefits and dates totaling amount of direct deposit made to Chase Bank on XX/XX/2020. No one will still confirm to us what is the cause of closing our account and holding our funds in this account from us. We still are not able to get our money in the account ... or be told when they will release funds. 
We have done NOTHING wrong. We have trusted Chase Bank with our money, and been upstanding customers with no prior issues. 
We are being treated like criminals and very rudely. At this time ... we only want to withdraw our rightful funds and continue to be able to pay our bills and get groceries, etc. Chase Bank is holding us XXXX. It has now been weeks! 
Local Branch of Chase Bank is located at XXXX XXXX XXXX XXXX, XXXX XXXX Illinois XXXX. Local Chase Bank branch phone # XXXX ... 
Or ... XXXX Local Chase Bank branch manager contact name is XXXX. 
Please help me ... we are confused and in need of solution!
Consumer complaint received 2017-12-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Portfolio Recovery Associates, amount is XXXX. Account Portfolio Recovery Associates shows the account was paid off. I have no knowledge of this account. I have disputed this account with XXXX, XXXX and XXXX and also sent Portfolio Recovery Associates a debt validation
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$280.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX TXXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-02-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

We have been trying to get a payoff on our mortgage from the lender because we are in escrow and are ready to close on a sale but the lender/services has failed to provide a payoff for several months. There was a " Shared Appreciation '' modification agreement signed in 2012. We need an updated payoff with the correct calculation based off of the agreement and the lender has failed to produce this. They're charging daily interest and we have run out of funds to cover in escrow all due to the lender.
Consumer complaint received 2020-12-02
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. (FL)

I am writing because I never opened account with company listed in identity Theft, and never had a deals with them. I have never done business with many of these companies, and dont understand how I would owe money or have anything that would appear on my credit report from them. 
I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.
Consumer complaint received 2020-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

On or about XX/XX/2020, I purchased an item from XXXX. I paid for the item with my debit card via the merchants XXXX account. Because the item was shipped from over-seas, it took some weeks to receive, then I needed to purchase specific batteries for the item which took another week. After getting the batteries, the item did not work. 

I contacted them company listed inside the box in reference to returns or other issues. After about 30 minutes, they denied even selling me the item! Even though I gave them the order number and the email that THEY sent a confirmation of the order too! I also contacted XXXX who after about 4 days of messages back and forth, told me to contact my bank because they could NOT find the transaction either, so ... We contacted our bank, CapitalOne. The story gets worse from here. 

Fast forward to today ... CapitalOne has informed us that the case is closed, DENIED and in no uncertain terms, accused of us being LIARS about this whole issue! Capital One has told us the only way we can get a reversal is to " have the third party send to them on their letterhead that they sold us an item that was broken ''. WHAT? They wouldn't acknowledge the sale, you think they'd admit they sold us a broken item? 

To be clear, we sent in EVERYTHING to prove everything we was contending. Proof of purchase, proof of contact and our due diligence, and contacting XXXX and following their instructions. CapitalOne has literally forgot about their responsibility of consumer protections!
Consumer complaint received 2020-12-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (TN)

Requested mortgage assistance with my mortgage servicer, I have filed chapter XXXX several times trying to stop my home from foreclosing. My mortgage servicer is unwilling to help me my interest rate is 13 percent and has been that for over 20 years. 
Spoke to XXXX XXXX ext. XXXX w/SN Servicing Corp. She also stated I needed to show proof of income from both children showing they are able to make their own car payments. I stated that they have no problem giving me their money each month. to pay their vehicle payments. I feel I'm being discriminated against because of my age and I'm XXXX American male. My mortgage servicer has given me a hard time for years and I need to reduce my mortgage payment and interest rate. I have done research and under the Consumer Protection mortgage assistance regulations my mortgage company is asking for documents on my children income for debts they pay. 

Please Help, Please Help
Consumer complaint received 2021-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY (WA)

Wells Fargo violted CARES Act by reporting late payment despite me setting up a payment plan while current. I contacted Wells Fargo to discuss payment options as I was needing Covid assistance. Wells Fargo customer service set me up on a payment plan. The account. Was current at the start of the payment plan. According to the CARES Act, if a consumer notifes the lender while still current and makes arrangements, subsequent payments can't be marked as late. This is strictly required as part of the CARES Act. Additionally, not pandemic or natural disaster notation was reported. This failure to follow CARES Act procedures, or add a natural disaster note has caused me irreversible damage to my credit report by causing me to be denied for additional credit. Washington COVID-19 PANDEMIC ( XXXX ) Incident Period : XX/XX/2020and continuing. Major Disaster Declaration declared onXX/XX/. Washington COVID-19 ( XXXX ) Incident Period : XX/XX/XXXX, XXXXand continuing. Emergency Declaration declared onXX/XX/2020.
Consumer complaint received 2020-12-02
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. (AL)

THIS IS MY SECOND TIME REACHING OUT TO THE BUREAUS. THESE ACCOUNTS ARE FRAUDULENT. I AM A VICTIM OF IDENTITY THEFT. I DIDNT AUTHORIZE THESE ACCOUNTS AND THEY ARE VIOLATING MY RIGHTS ACCORDING TO THE FDCPA. THE CREDIT REPORTING AGENCY CONTINUES TO VIOLATE MY RIGHTS ACCORDING TO 15 USC 1692. " ANY BAD DEBTS FURNISHED ON YOUR REPORT IS RUINING MY REPUTATION AND ITS DEFAMATION OF CHARACTER '' I AM REQUESTING THAT THE CREDIT REPORTING AGENCIES STOP REPORTING THESE FRAUDULENT INQUIRES AND VIOLATING MY RIGHTS ACCORDING TO THE 15 USC 1692.