davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-05
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)

XXXX XXXX is being reported on my XXXX, XXXX, and Equifax credit reports. This account is a fraudulent account and documentation has been sent to the reporting agencies stating that i was a victim of ID theft and that this account does not belong to me and should be immediately suppressed and blocked from my report. All agencies have stated the verified this belongs to me without providing any type of documentation that shows I opened the account and signed up for the accounts. This documentation was sent over to all agencies by me from XX/XX/XXXX to XX/XX/XXXX but they have yet to verify with documentation that they accounts belong to me.
Consumer complaint received 2019-02-21
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: EQUIFAX, INC. (CA)

I received the letter dated XX/XX/2019 that your company ( equifax ) completed an investigation of items in which I disputed and requested written verification and validation of items you have listed on my credit report. Your response failed to do an accurate and reasonable investigation but sent back a letter without doing so.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying them for their reporting services could fax, mail or email in a fraudulent account.

They have not abided by the law Their was someone with the same name as I have that filed a bankruptcy
Consumer complaint received 2017-11-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (OH)

There has been a huge miscommunication between XXXX XXXX AND XXXX  ( XXXX ) I have a XXXX balance turn in al my equipment and no longer have any contract whatsoever with either company. I dispute this debt. I was current and paid off, never late.
Consumer complaint received 2020-11-24
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 — Problem with personal statement of dispute
Company: AMERICAN HONDA FINANCE CORP (WA)

Subject : Late payment was reported to credit bureau bringing down my credit score Company involved : Honda Financial Services I bought a XXXX XXXX from " XXXX XXXX '' dealer in Arizona in the year 2017. It was financed using honda financial services. My paperwork was mostly handled by the dealer, i was just asked to sign few papers and later they did rest other paper works. I even shared my debit card details, set up my insurance etc. After talking to the dealer i was under the impression that autopay has been set up for this account. I took the vehicle home. One day after 3 months, when I woke up, my car was not present in my parking lot of my gated community apartment. I checked with the leasing office, they were not informed of any such events. When i called 911, I got to know that my car was repossessed. Being fresh out of college and being an XXXX, i was not aware that something like this can happen. I called the dealer and they said because payment was not made from 3 months, they have taken your car. I told them that i was under impression that autopay was setup by dealer as I gave my card details for the same. I even told I have money to payoff my car loan in just one shot, then they asked me to pay around {$1200.00} to get my car out of the tow company. Dealer and the honda finance said they tried to contact me via phone but i never received any call. 
I have an email where I clearly stated that " please correct my phone number as in all the finance papers it's incorrect '' and i got also asked for the updated papers. The email i got in return from the dealer was that they will correct it in the system and everything will be fine. Because they did not update the correct number, Honda financial services were calling me on incorrect number. 
Honda financial services had my address to pick up the vehicle, illegally tailgating and dragging my vehicle out of gated community without informing, but how come they could could not send a mail regarding the same. Also, if they were reaching out to incorrect number, why they did not reach out dealer to get the correct number. 
My only fault was to not check my account balance that whether {$330.00} is getting deducted from my account or not. How come this shows I have abad credit and I am unable to pay any amount. I do not want to take all the blame, honda financial services and XXXX  XXXX both are equally responsible for my credit hit. I do not want to take a credit hit for something which was not completely my fault. After i got to know the payment was not set as auto pay, i did set an auto pay and everyone can see that i have not missed even single payment in last 3 years. I just want the late payment credit hit removed from my credit history as it was not completely my fault.
Consumer complaint received 2019-11-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF THE WEST (CA)

I opened an account at bank of the west in XXXX XXXX on XX/XX/XXXX with a coupon, that advertised XXXX dollars bonus if I qualified. I did everything that was required, and advised by the XXXX XXXX, who helped me open the account. 

I opened my account with XXXX dollars and deposited in my account the XXXX dollars required for the following 4 months. Now im being told a bunch of different reasons of why am I not elegible for the promotion. This is false advertisement. 

the promo states : Requirements to Receive Up to {$250.00} Bonus : Open a new personal Any Deposit Checking account at a branch or account application submitted on bankofthewest.com between XX/XX/XXXX - XX/XX/XXXX with any opening deposit amount ( {$0.00} or more ). Opening deposit must be funds new to Bank of the West ( Bank ) received and posted to the account within 30 days of opening. This offer is also available for any other consumer checking account ( minimum to open {$100.00} ). UCB Student Checking and Premier Checking excluded. 

To receive the {$250.00} bonus, customer must make at least one deposit of {$250.00} or more for each of the first four consecutive calendar months following the month in which the account is opened. Calendar months do not necessarily coincide with statement cycles. Two or more separate deposits in a single month that add up to {$250.00} do not qualify. Qualifying deposits must be funds new to the Bank. All deposits must be posted by XX/XX/XXXX.
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

Equifax set the username and password to their server in XXXX XXXX as " admin '' and " admin '', got hacked, and now all of my personal information ( name, date, SS # ) has been released.
Consumer complaint received 2019-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

My student loans were in default status due to intermittent unemployment and persistent underemployment. Therefore, I entered into the Loan Rehabilitation Program with XXXX XXXX XXXX on XX/XX/XXXX. The Repayment Agreement was signed and submitted via email on Friday, XX/XX/XXXX and Thursday, XX/XX/XXXX. The Repayment Agreement states that I was supposed to make at least nine ( 9 ) monthly payments of {$5.00} each month. I have made and XXXX XXXX XXXX XXXX XXXX has processed ten ( 10 ) payments, which was more than agreed. However, XXXX XXXX XXXX XXXX XXXX has neglected to provide this accurate information to all three credit bureaus. I have complied with all requirements regarding timely paperwork and payment submissions. However, the incorrect repayment reporting to all three credit bureaus continues to adversely affect not only my credit score, but also my attempt to secure credit. 

I have submitted all requested payments before or within the payment timeframe. The following payments, in the amount of {$5.00} each, have been submitted to date : No. Payment Date Payment Type Comment 1 XX/XX/XXXX Payment Card Submitted on XXXX website 2 XX/XX/XXXX Payment Card Submitted on XXXX website 3 XX/XX/XXXX Money Order # XXXX 4 XX/XX/XXXX Money Order # XXXX 5 XX/XX/XXXX Money Order # XXXX 6 XX/XX/XXXX Money Order # XXXX 7 XX/XX/XXXX Money Order # XXXX 8 XX/XX/XXXX Money Order # XXXX 9 XX/XX/XXXX Money Order # XXXX 10 XX/XX/XXXX Money Order # XXXX
Consumer complaint received 2021-09-16
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: Experian Information Solutions Inc. (CO)

ALL CREDIT BUREAU 'S KEEP ADDING THE SAME NEGATIVE ACCOUNT TO MY CREDIT REPORT EVERY YEAR FOR THE PAST 5 YEARS. XXXX IS NOT OWED ANYTHING!! I HAVE SUPPLIED THE INFORMATION FOR LETTER TO VALIDATE AND FAILURE TO DO THIS AND THEY KEEP ADDIN G IT BACK TO MY CREDIT FILED, AND IT HAS BEEN ADDED WITH 4 DIFFERENT COLLECTION AGENCIES AND 2 ANOTHER.
Consumer complaint received 2021-09-16
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. (CO)

ALL CREDIT BUREAU 'S KEEP ADDING THE SAME NEGATIVE ACCOUNT TO MY CREDIT REPORT EVERY YEAR FOR THE PAST 5 YEARS. XXXX IS NOT OWED ANYTHING!! I HAVE SUPPLIED THE INFORMATION FOR LETTER TO VALIDATE AND FAILURE TO DO THIS AND THEY KEEP ADDIN G IT BACK TO MY CREDIT FILED, AND IT HAS BEEN ADDED WITH 4 DIFFERENT COLLECTION AGENCIES AND 2 ANOTHER.
Consumer complaint received 2021-09-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A. (VA)

Fidelity closed all of my accounts withput notice and refused to issue a check for yhe $ XXXX left in my account. The remaining funds were from a debit card refund from XXXX, who only refunds to the card used. Fidelity stated that they would send my money back to XXXX instead of to me, and claimed they needed to " review '' my balance, and offered me no answers.
Consumer complaint received 2021-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Social Finance, Inc. (NC)

I signed up for the SoFi credit card on XX/XX/XXXX with the sign up bonus of XXXX rewards points ( {$100.00} ) which would be added to my rewards balance 45 days after my first purchase. I made my first purchase on XX/XX/XXXX and have not received the points. I have called several times and had tickets filed by representatives but there is no follow-up and no resolution as of today.
Consumer complaint received 2018-04-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Globe Acceptance, Inc. (NC)

I have a loan through XXXX XXXX on a vehicle. Ive had it for 3 years with only 11 payments remaining. My payment Is due on the XXXX each month and this month I had to wait till the XXXX to pay. XXXX, a gentlemen at the company called my work 7 times yesterday. I was busy when he called but he was giving out information about my account to other employees and even threatened to send someone to my job if they did not have me call back. The collection tactics with this company are unreasonable and completely illegal. I am also speaking with an attorney about rights that were violated by the comments made to employees at my job. I will be pursuing a lawsuit within the next 2 weeks. With the written statements I have from work and clear violations this company has made, theres more than enough to put them back in their place
Consumer complaint received 2017-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I called XXXX an explained that I was affected by XXXX as a flood victim and to please do a coutesy late removal for the XXXX XXXX late payment. The amount owed was {$7.00}. She stated there was nothing they could do for me and that the late fee would stay on my account.
Consumer complaint received 2023-02-06
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. (IL)

XXXX accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # 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.it also states a consumer reporting agency can not furnish an account without my written instructions XXXX accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. XXXX I have the right to privacy. 

15 U.S.C 1681 section 604 A.it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c-2 ] XXXX Collections Account # XXXX ( a ) XXXX. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft
Consumer complaint received 2020-10-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

I have never had the account that the debt collector is trying to say I owe. this has gone on for years dating back to 2016. I have contacted PORTFOLIO RECOVERY ASSOCIATES many times over the years to dispute this debt and they keep telling me that it is my debt.They tell me it is an account from XXXX XXXX Original Creditor. I have not had any accounts with this bank ever.
Consumer complaint received 2020-07-10
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc. (FL)

NCB Management continues to call me at my place of employment. I have advised nicely that it is a place of business and that personal calls are not allowed and they continue calling my job at least once a day, often multiple times per day.
Consumer complaint received 2018-04-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF NEW YORK MELLON CORPORATION, THE (CA)

On XX/XX/XXXX I read an e-mail from XXXX regarding a new debit card that was mailed to my home address. I had not received the card, so I logged into the XXXX web site and noticed unauthorized transactions. All POS Debit transactions from XX/XX/XXXX to XX/XX/XXXX are fraudulent. On XX/XX/XXXX I called XXXX and spoke to a customer service representative who transferred me to a representative in the fraud department. I received an Affidavit of Unauthorized Debit Card Transactions form which I filled out and faxed to them and a case number XXXX. On XX/XX/XXXX I received a phone call to answer additional questions about the fraudulent transactions. On XX/XX/XXXX I made a call to them about the status of the claim and they stated that the claim was denied. I filed a CFPB complaint, XXXX and received a letter from the bank with the details of why the claim was denied. I mailed a letter back to them disputing their claims on XX/XX/XXXX and have not received any response.
Consumer complaint received 2017-09-14
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TENET HEALTHCARE CORPORATION (IL)

I 've been for the past few months in contact back and forth with XXXX, Central Financial Control and XXXX XXXX XXXX in reference to my medical bills and with all the disputes gotten no results.. I was told by Central Financial Control and XXXX XXXX XXXX that all I needed to do was send in proof that I had coverage during the time of the hospital visits in XXXX XXXX XXXX and I did so. I Sent them a copy of my XXXX showing that I was covered during that time and was told that that was n't good enough and that I needed to have Illinois XXXX XXXX XXXX XXXX to write them a letter stating that I was covered. When i originally got this form from XXXX  XXXX XXXX XXXX XXXX I was told that this is all I would need and that this would be proof of coverage. Central Financial Control and XXXX XXXX XXXX is telling me this is n't good enough and that i need them to write a letter.
Consumer complaint received 2021-04-28
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. (FL)

I have been attempting to communicate with Experian about this issue for six months. They have failed to comply with the law after multiple attempts. There is an account they are stating is mine and has been " verified '' and continues to fail to show me the verifiable proof that is required by law.

FCRA Section 611 Procedure in the case of disputed accuracy ( 15 USC 1681i ) ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general, if after any investigation of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or CAN NOT BE VERIFIED, the consumer agency shall : ( I ) Promptly delete that item of information from the file of the consumer.
Consumer complaint received 2021-07-20
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. (TX)

I have several inquiries on my report that DOES NOT belong to me. I have called the actual company and they have no record of me. i have written to the 3 bureaus and asked them to remove or verify the inquiry. Here is the inquiry : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2021-07-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (NJ)

I used a forbearance from XX/XX/XXXX until XX/XX/XXXX. I completed partial claim paperwork and I began making my mortgage payments again in XX/XX/XXXX. Amerihome did not properly process my partial claim and misapplied my XXXX mortgage payment to XX/XX/XXXX causing each months payment since to be applied to the previous month. I have made no less than 100 phone calls to resolve the issue and each person I speak to does not have full access to my account information. Some agents are able to see that I made all of payments and some tell me these funds have been misapplied. I have requested my payment history which clearly documents all of my payments and where the misapplication occurred. I have spoken with several supervisors who promise to fix this issue however it has not been addressed as of XX/XX/XXXX. This is negatively affecting my credit. I can not refinance, I can not sell, I can not separate myself from Amerihome until they fix this issue and correct my credit report. I have started receiving letters threatening my right to live in my house.
Consumer complaint received 2021-07-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (NY)

I received a collection letter XXXX XXXX a debt that was not mine it was fraud I do have a police report. I asked the company when the debt was they said " activated XX/XX/XXXX ''. First it is not my debt second it is well over 7 yrs old this is the first I am hearing about it. I wrote to them sent police report and request to stop all communications they said they were reporting it to credit bureau XX/XX/XXXX. IT IS & YRS OLD AND FRAUD! (! please help )
Consumer complaint received 2021-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

On XX/XX/2021 I sent Equifax a request challenge the accuracy, compliance and reportability of listing XXXX Acct # XXXX. This account does not belong to me. 
Asked to validate this information with XXXX and provide me with copies of any documentation associated with this account, bearing my signature. My letter was received by their Equifax Representative and picked up at the USPS post office on XX/XX/2021, tracking # XXXX XXXX XXXX XXXX signed by XXXX XXXX XXXX. 

Today, XX/XX/2021 I did not receive any response from Equifax that they are working on my XX/XX/XXXX letter. I have sent another letter to Equifax for 30 day Non-Response to my request. I am being completely ignored for what they are reporting on my credit file. XXXX  XXXX was not able to substantiate XXXX account in their file therefore was deleted on XX/XX/2021. I have enclosed and uploaded all letters, USPS delivery signatures and XXXX  XXXX deletion letter.