davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (AZ)

I have been disputed this account too many time, and nothing happened every time I call the credit bureau they say there is nothing they can do it about it, XXXX XXXX XXXX # XXXX account have been discharged through chapter XXXX XXXX # XXXX account have been discharged through chapter XXXX XXXX # XXXX account have been discharged through chapter XXXX XXXX XXXX XXXX NA # XXXX this account do n't belong to me
Consumer complaint received 2016-12-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (NJ)

Over the last 3 months I have told Equifax via mail and over the phone my current address is XXXX XXXX XXXX XXXX NJ XXXX. I explained to them I do n't live or lived at either of the XXXX addresses they had o my credit report. They finally fixed everything about a month and a half ago. I just repulled my credit report and those XXXX old addresses are back and my current address is gone. I need them to put my current address back on my credit report and remove those XXXX addresses once again that I have never lived at.
Consumer complaint received 2015-10-16
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (MA)

We have had our Macy 's credit card for ever and for the last few years we have been able to log into our account online to check our balance and make payments and check our statements. For that past 3 months or so we have not been able to get into our online account and when we call Macy 's credit card phone number we end up speaking to someone in XXXX who tells us that there is a software glitch and that they are working on it. On two occasions we asked to have our statement changed from paperless to paper statement so we could see our transactions, which has not happened yet. Our account is in great standing with a {$7000.00} credit limit and {$230.00} balance, so I know it is not our credit standing with them. We want to have online access to our account or a true explanation of what is going on.
Consumer complaint received 2019-02-27
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL (MA)

I obtained an Amazon Store Card through Synchrony Bank in XX/XX/XXXX. During that time we used the card to purchased high ticketed items during our renovations ( sinks, faucets etc.. ). Recently, we noticed a transaction charge for card security of {$120.00}. I did not know what this was. I called the number on my bill and i was informed that I needed to call the card security service directly. The number was provided on my statement. When i called card security, they were very receptive and explained to me that I have been charged for this service since XX/XX/XXXX. I explained that i was not aware of the service and that I did not sign up for the service. I also asked how this was presented during the application process and if it was represented clearly, i would not have agreed to it. The representative immediately reversed the charges going back to XX/XX/XXXXand it was a little over {$2000.00} credited within a week. She provided me with a case number of XXXX.

I realized that since XX/XX/XXXX i have been paying finance charges to Synchrony Bank for the charges from card security. I contacted Synchrony Bank and explained the situation. I spoke to two representatives who did not understand the over all situation.

Since XX/XX/XXXX, I have been charged financed charges of 27.99 % for this transaction. I explained that this should be reversed. I also explained that I do not challenge the interest rate, but I challenge the finance charged on this transaction that should not have been charged to begin with. 

Operator # XXXX ( XXXX ) could only credit me back 2 months of interest rate charges. I explained to her that i have been charged more. Unfortunately she was not able to calculate the errors nor was she willing to go back and investigate. I clearly explained that their third party vendor made an error and already processed a credit resolution but since they are the creditor, they should be able to go back and investigate the error.
Consumer complaint received 2016-01-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA (UT)

National Collegiate and trust has been on my Credit report for years now, and I have disputed them several times. They sent me and my mom letters in the mail stating we must pay right away. We sent letters for each one asking to prove this debt, and show us promissary notes. They have not shown/ mailed/ emailed/ called about this. They are still reporting on my credit. Now it 's saying the company is XXXX XXXX XXXX. It says the open date is on XXXX 2010 I do not remember ever taking this loan out.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have found numerous accounts on my credit report that I did not authorize ; pursuant USC Title 15 1681, these accounts need to be removed immediately. I am writing to request immediate federal intervention regarding this unresolved, fraud of identity theft on my credit report by : TransUnion Intermediate Holdings , Inc., XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. The fraudulent accounts remain on my report. This negligence violates my rights under the FCRA and continues to inflict financial harm.
Consumer complaint received 2019-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (ND)

I have several student loans that were in default but I have been in a Rehabilitation program for over a year now. XXXX  and XXXX   have updated these accounts and they are now showing 'paid as agreed ' however Experian is still showing these as a collection account. I have disputed this with them but it has not yet been resolved. 
Please look at all my XXXX XXXX XXXX/XXXX loans and you will see that they are all reporting these collection by Experian.
Consumer complaint received 2015-10-09
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (OH)

Macy 's changed bank servicers to CitiBank -when they changed their website changed. The website prohibited access for months. I sent numerous emails and no one responded. I called XXXX times in one day -- no one could explain the issue. During that 3 month period I had a XXXX balance. I then made a purchase in XX/XX/XXXX, and was sent a bill via email. The bill linked to the website that would not allow me to view my bill. I sent emails and logged a support ticket as I could not review my statement or see my balance or payment due. No one responded. I could not even access a payment screen. So I went into my old XXXX account and found an old macy 's bill and paid a minimum payment due of {$25.00}. I was called on XX/XX/XXXX and told I owed an additional XXXX and I had late fees. I asked how, and no one could tell me why-they told me different payment amounts that were received, different interest accruals, and refused to offer ANY insight into why the site was down, why no one would call, and how I could see my statement. They also could not answer whether the false late payments were reported to my credit. They should have been able to answer ALL of these questions. I was not permitted to even VIEW my statement. So, I disputed late fees as I did not have a balance and they could not provide any information on the balance, even one rep said she couldnt tell where a {$180.00} balance came from and transferred me to fraud, then I was left on hold for XXXX minutes waiting for someone in tech support to pick up. So I finally got access to my account, and nothing was updated, no late fees were waived. but the payment due on an incorrect balance of {$440.00} was {$95.00}. I had just paid {$25.00}, but they said I paid it too soon, and it would n't be reflected in the XX/XX/XXXX payment, which is illegal. So I paid another {$50.00} -- totalling {$75.00} in payments on a {$400.00} balance that should have been a {$350.00} balance. Then I submitted an email requesting they provide the new balance with the late fees waived because their system was not updated, they refused to respond -- its been 3 days. SO I log in today to see if anything changed, and the late fees were waived, but they demanded an additional {$45.00} -- They forced me to pay a total of {$120.00}. XXXX on a {$350.00} balance. Obviously this is a blatant violation of the CARD act. They have had ample opportunities over the last 90 days to cure their technical issues, to respond to my emails, to pick up the phone while I 've waited on hold, and they refuse to abide by the law. In turn, I 've suffered financially because of their intentional and willful acts, and negligence in behavior and communication.
Consumer complaint received 2015-07-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I ve lived in a shelter for the past XXXX years and i have house mortages in my name and car insurances in my name also.somebody is staling my account information and thats fraudulant my name is XXXX XXXX i never owned a car orlived in my own home i also never gave my info out though it couldve been stolen by someone the person who is using my info.i want to start an immediate investigation and criminal and federal charges pending the party of fuaud ( s ) .i do have an finance account i cant acess because i didnt get my account number .please can you or a relating company give me any assistance.thank you. XXXX XXXX
Consumer complaint received 2020-11-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (VA)

On XX/XX/2020 I filed two complaints against XXXX XXXX , XXXX. Complaints XXXX, and XXXX. Complaint XXXX was closed as a duplicate. Complaint XXXX was resolved with the attached response. The response details information and timelines on the debt that I will neither confirm nor deny at this time. However, more importantly, in this response, XXXX XXXX , XXXX states that " due to the repeated complaints filed by the consumer XXXX XXXX , XXXX is opting to close both accounts out as a refusal to pay. XXXX XXXX , XXXX has recalled both accounts and placed them in a status that will prevent them from being reassigned or resold. '' However, on XX/XX/2020, nearly 6 months later, I received the attached two letters from DYNAMIC RECOVERY SOLUTIONS attempting to collect the accounts that XXXX XXXX , XXXX should have " closed out '', per the previous agreement. Note that XXXX XXXX , XXXX is named as the debt holder on both letters. According to the attached call recording, XXXX XXXX , XXXX had no intention on following through with this statement as the DYNAMIC RECOVERY SOLUTIONS agent had no idea what I was talking about when I brought this to their attention. The account had been reassigned to DYNAMIC RECOVERY SOLUTIONS despite the agreement made through the CFPB via complaint XXXX.
Consumer complaint received 2017-03-14
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (WY)

In a discussion last week with my Landlord & why they were cashing my " Bill Pay checks '' so late. Wells Fargo gets directed to pay all of my chosen creditors on the XXXX of each month as my XXXX gets deposited. Some are electronic and others are by paper check. The paper checks are rarely ( if ever ) delivered before the XXXX, this month ( XXXX was an exception ) showed in the XXXX. I did further checking and just about all of the other paper checks are cashed between the XXXX & end of month. This has convinced me that Wells Fargo cuts the checks & debits my account on the XXXX as requested but places the checks in a mail-room for a week so they can utilize customers funds longer. When they mail the checks, there is no postage meter stamp or postmark given to verify when the checks are sent. If they are doing this to all their Bill Pay customers, they are making an extra week or so profit off of the money not sent as requested! How many people are/were as oblivious to this game as I am?
Consumer complaint received 2017-03-15
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (PA)

A counterfeit check ( written XX/XX/2016 and cashed XX/XX/2016 made payable to XXXX XXXX XXXX in the amount of {$1300.00} - A copy will be attached ), using our account number and routing number was created, cashed and deposited at an unknown branch of Wells Fargo Bank. We have contacted a local police detective who has left messages to investigate this incident that have not been returned. This check shut our main account down and then we subsequently had an internal thief in our office take FULL advantage of our account being mandated to be shut down. We have reached out to Wells Fargo MANY times and they are ignoring us and continue to recuse themselves from having to abide by laws ( that i hope you enforce ). They will not tell us which branch it was cashed at so we can get a search warranty from the detective we are working with. We are VERY upset that a BIG bank thinks they are above the law and we are NEVER going to accept that answer. Wells Fargo is the bank that made us aware that we are victims of fraud and then disappeared. They also initially reimbursed us for our lost money ( due to a KNOWN false, illegal, not cool, dishonest, check ) and then took back the money and claimed they were innocent and never even cashed the check ( which they actually told the detective that ). I promise you that every institution we contact about this situation will be held to doing their job. We are NOT going away! We firmly believe this was an inside job at Wells Fargo and they do not want the bad publicity and that is not going to deter us.
Consumer complaint received 2016-08-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (AZ)

The mortgage company Specialized Loan Servicing LLC ( SLS ) took over my loan from XXXX in XXXX of XXXX. SLS has never sent a statement of what is owed on the loan or proof of payments received. They claim that because there is a bankruptcy ( discharged in XXXX ) on my credit history, they can not send any statements or information. XXXX sent statements throughout the bankruptcy with a disclaimer stating, " this is for informational purposes only ... '' Those statements showed payments received, escrow payments, principle and interest, etc. I have been told by 3 different representatives that SLS can not provide such statements. Are n't they required by law to keep me informed of my mortgage balance and payments received?
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " UPDATE/REPAIR '' THE FOLLOWING ACCOUNT. 

BANK XXXX XXXX XXXX Date Opened XX/XX/2014 Balance {$0.00}.
Consumer complaint received 2023-04-14
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: EQUIFAX, INC. (MO)

I am XXXX XXXX and I am making this complaint to alert you that I was the victim of identity theft. I recently obtained a copy of my credit report and was surprised to discover that there are numerous accounts on it that I did not open and am unaware of. I investigated how to delete the false accounts on my report and discovered that I needed to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to make a report and that Credit Reporting Agencies are obligated to remove any accounts listed on an ID THEFT REPORT under FCRA section 605b. Please see the ATTACHED materials for assistance in preventing the incorrect information that is being uploaded to my report. I'm talking about the following items : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX  XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/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 XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ), CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer designates as information resulting from an alleged identity theft within four business days of receipt.
Consumer complaint received 2021-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Currently I am trying to obtain my credit score from the 3 credit service providers and it seems that they all have different scores due to my lack of credit history. I know that my past in XXXX I had fallen into hardships and my credit score was not at its best. I was able to repair and clean off my debts. 

Its been 12 plus years and my credit should of have resolved that matter and I should be able to have a clean slate. I recently in XXXX of XXXX tried to establish a credit card with XXXX and they provided a score XXXX and was denied to lack of credit. I also tried to get line of credit with my current Bank of America which was also denied. I would like to request to have my credit score and report be provided during this time. I have done all that I can to try to establish more credit but I am unable too cause XXXX, XXXX and XXXX XXXX all have different scores but I am not able to get a report. I just would like to be given a chance to have accuracy of my credit score so I can rent during this pandemic. Its been extremely hard during this time and I understand that their is relief and help during this time that I can request to help my score and give me a chance to rebuild my score or be provided an accurate credit score.
Consumer complaint received 2020-07-10
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. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report
Consumer complaint received 2023-04-14
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. (FL)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (NY)

Lvnv funding is not willing to delete this off my credit report I have offered to pay but they will not assure me that they will submit a deletion. I have tried today XX/XX/2019 to call them about this debt because I was never sent a certified letter regarding this debt. They never properly notified about this deb I am asking for a deletion off my credit report
Consumer complaint received 2017-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

transunion is tryiing to commit an error saying that i do not own a mortgage when in fact i do. They have a wrong number on my credit report. I only  have one n umber that is legit and that is  XXXX   XXXX