davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Synovus Bank (PA)

I sent a fax to First Progress Back Office as requested by their customer service Representive at XXXX requesting them to send me my refundable security deposit. I wrote a letter on fax stating I havent received my {$200.00} refundable security deposit I made to obtain a credit card with First Progress. The fax was sent in early XXXX, called them today regarding the matter. Customer service is saying they dont see any updates under my account about receiving a fax. I have a copy of the fax saying it was completed @ XXXX. Fax machines dont lie about completed faxed materials. Its been XXXX since I stopped using the card without any balances being owed during closing of the account. They havent sent it to me by mail or bothered to contact me regarding my security deposit.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

According to 605B, this account needs to be removed quickly. I'm angry that it's on my credit record, even though it's not mine. Its presence has upset me, and I feel unwell about the situation. I want it gone, and my credit report corrected.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them
Consumer complaint received 2016-06-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC (GA)

Pinnacle Credit Service is attempting to collect a debt from me of XXXX and XXXX and I never establish a contract with this company. And they are reporting negative items on both my XXXX and XXXX credit reports.
Consumer complaint received 2016-09-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I am writing in my complaint because I feel my bank does not want to review my file for a loan modification and is going to sell my property next Tuesday, XXXX XXXX. I was given the excuse that they needed 38 days to review the file which I find a little extreme because I did not even receive a legal notice that they home was going to be sold. I submitted a package on Wednesday XXXX XXXX which gave SLS 14 days to review my financial information. I also own other properties and have modified my other homes and neither of the servicers needed a package 38 days before a sale date. I am now on the brinks of losing my property because I will not be given a fair chance of having my file reviewed.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

In accordance with the fair credit reporting act XXXX XXXX Bank XXXX XXXX, Capital One XXXX, Has violated my rights. 

1

5 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A Section 2 : It also states consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2018-12-01
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. (LA)

On several attempts I have contacted all 3 credit bureau about the inaccuracies on my credit file.. The accounts are not my account and are considered inaccurate information. With reporting this accounts is a violation of my rights and hurting and destroying my character and lively hood.

Theses are the accounts XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX
Consumer complaint received 2016-02-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (VA)

I have been writing letters to Equifax for over a year citing the blatant violations of my rights under the Fair Credit Reporting Act. They are reporting a bankruptcy that has an inaccurate docket number and filing date and is outside the statute of limitations. The other XXXX bureaus XXXX and XXXX have removed the bankruptcy because they could not properly validate it so I do n't know why Equifax is still reporting something that is obviously wrong. I have been refused action and dismissed as a frivolous consumer and this makes me angry. The bankruptcy was never filed and is dismissed, I do n't feel it should be reporting at all because I never went through with the bankruptcy. Equifax is ignoring the proof that i have that they have violated my rights and I am at my wits end because from my standpoint I have done everything I have needed to do and they are abusing their power.
Consumer complaint received 2024-02-21
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. (NC)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2021-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (MD)

I have called Navy Federal and the 3 Credit Bureaus without any reasonable response. I had asked them to look at the evidence again after verified, but hung up on me. I'm filing a complaint to have the CFPB to ask the 3 credit bureaus and the furnisher to look thru my evidence. The account number is wrong. The late payments are inaccurate. The account has been reaged. Pls see attached.
Consumer complaint received 2020-10-19
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have sent out a letter to Transunion about two ( 2 ) accounts on my credit report XXXX XXXX   and XXXX  XXXX XXXX. I have asked TransUnion As per Section 609 of the FCRA that I am entitled to see the source of the information, which is, a copy of the original contract that contains my signature for those 2 accounts ( XXXX XXXX and XXXX  XXXX XXXX ). I have sent out that letter on XXXX XXXX via USPS certified mail with return receipt requested. Transunion signed the receipt on XX/XX/2020. Today 's date is XXXX XXXX more than 2 months after I have sent out that letter and Transunion signed for it. I have never received the contract that contain my signature which I repeat is my right under the section 609 of the FCRA and Transunion keeps reporting those accounts ( XXXX XXXX  and XXXX XXXX XXXX ) to my credit report. I would like to notify you that the accounts have been removed on my XXXX  and XXXX  credit report. Why can't Transunion do the same? Does XXXX  XXXX XXXX pay you to keep information on people report? Is it more about a business than reporting correct information? I want a copy of the original contract that contain my signature or remove immediately those accounts from my credit report. I have attached to this statement the USPS return receipt and the copy of the original letter that I have sent to TransUnion. Please CFPB help me fix this issue. Transunion is getting money from big companies such as XXXX  XXXX XXXX to keep information of people credit report no matter what and that is a shame!
Consumer complaint received 2016-10-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NY)

I checked my credit report it let me know that I owe XXXX XXXX dollars I did n't understand why because I did n't have XXXX before my first time I open a XXXX contact was XX/XX/2016 and I 'm currently with them now as my phone company
Consumer complaint received 2015-10-16
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

For several years I have not been able to get a FREE credit report from XXXX and Transunion. Every time I ask I get a different reason for not allowing me to see my credit report that they have on me. One of the reasons is that Transunion has false information that they will not divulge nor allow me to challange.
Consumer complaint received 2016-08-15
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (MA)

This is a follow up to case # XXXX XXXX XXXX 2016 I am attaching XXXX docs from Citibank dated XXXX XXXX, 2016, these arrives in an envelope in XXXX 2016 with no postmark on the envelope. I assume this is another tactic by Citibank to set false settlement deadlines that can not be met because of how 1st class business mail is processed. The first doc says my hardship request ( they offered last year ) has been denied. In view this is another ant-consumer tactic designed to look genuine ( offer reduced interest and lower principal payments ) then when you apply it is denied. The second doc is an'offer ' for a settlement due to be paid in XXXX 2016, which if they accept the basis of my hardship ( reduced monthly income due to delay of Veterans XXXX pension ) - clearly with reduced income I have no ability to make a lump sum payment. So this is a non offer. What is the next step for me to take? I want to resume making reduced payments and avoid having my credit rating further damaged by the consequences of the delay in getting my deceased husbands final pension disbursement from the VA in XXXX. Thank you and I hope this helps other Veteran families coping with the delay of their XXXX payments.
Consumer complaint received 2017-02-04
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Had free checking and free savings accounts with direct deposit. With bank of America. First of last year changed policy to apply monthly fee. Letter I was sent said I was not affected because had account before this occurred and would not be charged. After noticing checking account going down, I called to find out more. Customer service said it was a mistake and I thought it was good. Next XXXX savings account went down, so I checked them. Service charge, I had not noticed for XXXX months. {$12.00} each for the XXXX months ( XXXX ) that the bank would not refund, could only refund for last month only. So closed all accounts and went to another bank. I thought really bad business practices for the consumer, but big money for bank!
Consumer complaint received 2023-03-30
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. (FL)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 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 2020-11-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (PA)

Several months ago, apparently XXXX XXXX sold my loan to something called 'NewRez LLC '. I got a bill that said NewRez but it still had the same A/N ( XXXX ) and the XXXX address so I paid it. When it hadn't posted before receiving a new bill with a new A/N ( XXXX ), I paid it too. Next thing I know I get a notice that it was overdue so on XX/XX/XXXX I mailed another payment which has still not been taken from my checking account. Eventually I discovered that XXXX had applied the first check to a Heloc in spite of it containing my mortgage number ; and also, the second check was returned to me in spite of having the correct account number. I was finally able to sign into the NewRez web site and paid {$600.00} on XX/XX/XXXX but it hasn't posted yet. I'm losing track of who's ahead on this when it takes several weeks to post a transaction that was paid online. I sent an email to them asking who the governing body is for NewRez LLC but have heard nothing back. I really want out of this arrangement but I don't even know who I'm dealing with.
Consumer complaint received 2016-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

I contacted Equifax over the phone to dipute XXXX accounts on my credit report that does not belong to me. The account s are XXXX XXXX XXXX acct # XXXX and XXXX Acct # XXXX. I have filed a police report under report # XXXX.
Consumer complaint received 2022-09-06
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (TX)

I applied for microcenter credit card on XX/XX/XXXX, XXXX application was denied for unknown reasons and never gotten a letter and I have a good credit score with XXXX XXXX well Fargo hasnt call me or explain why I want this inquiry to be removed for false advertising I have a fraud alert that might be the reason why it was denied and they never call me on my phone number to verify my identity Its been few weeks no decline letter or anything
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my several 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 information relating to any transaction by the consumer. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$790.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-04
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. (GA)

Good Evening, recently was viewing my credit report and seen accounts on my report that are not mine. Looked up online what to do next and I Seen it was best to get an FTC report which is a police report and also got a identity theft affidavit. I filed both, I attached the identity theft victims complaint and Affidavit. Also the FTC report. These accounts are pushing me back. I was wondering why my score was down and i was having problems getting approved. This hurts bad to know that im a victim. Its better to know i will be helped. 

Thank You in Advance. 
XXXX bless You.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Convergent Resources, Inc. (TX)

After reviewing my credit profile on XX/XX/XXXX. I identified a discrepancy with account listed under Convergent Outsourcing and validation was request as this was an account that I did not recognize.I recieve a billing that look like someone just created it. They didnt provide me with the accurate paperwork. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received the correct correspondence from the creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out. After reviewing credit report again there has not been any updates and this account is still reflecting on the report. This creditor is keep re aging this account so the statute of limitations can start over which is a violation of my rights. Please delete this account from my credit report for being false reported.
Consumer complaint received 2022-09-06
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. (IN)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX have 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 an account without my written instructions.
Consumer complaint received 2024-03-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (WA)

XX/XX/XXXX my Robinhood brokerage and debit card were both frozen and restricted. I am unable to move withdraw or deposit money from my brokerage account, open any positions, or utilize my debit card. Their app wanted me to take action to fix the issue, but I was stuck in a loop and a bug (? ) prevented me from seeing what documents I needed to submit to resolve. 

XXXX was able to log in on my desktop and got further, but it said I had already uploaded the needed documents. The app said to expect restrictions removed by the XXXX. 

XXXX I requested a call from support and waited in line for over an hour, and stayed in line overnight. 

XXXX Robinhood support called me at XXXX local time ( PST ) and I did not answer as I was asleep. I later checked my app and did not have the previous loop, but it said the selfie they required was already submitted. The app said to expect restrictions removed by the XXXX. 

XXXX I checked the app and had the loop happen again. 

XX/XX/XXXX Checked the app again and it now shows me a list of the required documents, but all of them are checked off except XXXX at the bottom. It listed a selfie XXXX, XXXX form of identification, a bank statement, and then another 'three point '' selfie ( unchecked )- which it then had me take. I took it, and it said to expect my restrictions lifted by XX/XX/XXXX. 

XX/XX/XXXX I requested a support call and received it. They could not tell me the reasoning for my restriction other than their proprietary system flagged me and restricted my account " for my protection ''.
Consumer complaint received 2021-06-04
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (AL)

NCB Management Services is contacting me about a auto loan from XXXX XXXX. XXXX had to settle in 34 states and work to repair the credit of those affected. I wasnt 60 days past due when they took my vehicle. They then sold the car and sold the debt to NCB Management with whom I have never done business. I keep getting harassing calls and threats from this company.
Consumer complaint received 2021-05-21
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (MS)

I do not recollect me having a loan with Santander. I did try to rectify the situation, I thought I could pay it but it was too much for me to spend for a debt that is not mine. I just want it removed.
Consumer complaint received 2017-05-23
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Ditech Financial LLC (MI)

Ditech continues to call my employer after they agreed to stop this practice and sent me a letter stating all phone calls to my home, my mobile and my work would stop. I have filed numerous complaints concerning this company and their collection practices. They were fined as part of a class action lawsuit concerning their collection practices. This is the third time they have called my place of work since I received the letter stating they will cease all phone calls. See attached.