davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-12
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. What's going on there at the CFPB and to Equifax? This is so unbelievable! How can you guys let these multiple complaints pass? I know I have stated this again and again but I have submitted this complaint numerous times already and I have attached all the information and documents needed such as my DL, SSN, Proof of Address, the dispute letter I sent to the bureau, the FTC report which I filed on their website to prove that I'm an identity theft victim. What else do you guys want?! PLEASE DO NOT IGNORE my request and DELETE the accounts which I do not own. 

XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}, XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7600.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00}
Consumer complaint received 2020-08-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (FL)

I have been fighting with Phoenix Financial Services on and off for almost 5 years. They are trying to collect a debt that I dispute as services were not rendered. They previously promised they would cease collection attempts, but have started again recently. They have ignored my dispute letters and started reporting it to my credit report.
Consumer complaint received 2021-03-01
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. (DC)

For years I have been trying to get items removed from my credit report that these third parties, I.e credit bureaus are holding on too. These items are causing hardship in continuing in commerce as well has been a defamation of character in addition a serious lack of confidence in the banking system especially when there is NO mention of a XXXX, or XXXX score in the FCRA, FDCPA or TILA. I, XXXX XXXX XXXX, the natural person, living man, flesh and blood, am the authorized representative ( cardholder ) for XXXX XXXX XXXX ( Social Security Account ; credit card ) # XXXX. I never gave written or oral consent or was consent received from a court of competent jurisdiction to have my personal identifying information ( social security number ; name ; address ; etc ) be shared to these third parties ( credit bureaus ). This is identity theft per 12 CFR 1022.3h. In addition this is trespass and INVASION of of the consumers legally protected interest ( PRIVACY ). I XXXX XXXX XXXX the living man have all power above these companies and demand my request be honored. I am the CREDITOR per the FDCPA 15 USC 1692a ( 4 ) These are my written instructions per 15USC 1681b ( a ) ( 2 ) to XXXX  regarding my consumer report. Letter attached In addition Per 15 US Code 1681a ( 2 ) ( B ) - any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; is to be excluded from the consumer credit report. XXXX is in violation of this code.
Consumer complaint received 2018-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX I contacted XXXX, XXXX, and Experian about unauthorized inquiries o my credit report due to fraud. I sent letters. I received no response from XXXX and Experian. XXXX  said they would remove the following accounts but didn't. I have been dealing with fraud ever since my car was stolen in XX/XX/XXXX. Inquiries which are hurting my reports. Since my original complaint in XX/XX/XXXX, I have new inquiries which are not authorized by me. Some inquiries are from companies I have had for years. Why would I authorize a inquiry on open credit lines I've had for years, I already have accounts them!!
Consumer complaint received 2018-06-20
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: The Outsource Group, Inc (OK)

I recently disputed a collection account that was on my report from XXXX XXXX. It had dates and charges I didn't recognize. I sent them a certified letter on XX/XX/XXXX and they received XX/XX/XXXX. I requested for them to investigate the account they had on my report as I have never done business with them or any XXXX XXXX XXXX XXXX. I have never been to an integris XXXX XXXX XXXX nor do I even live or have ever lived in XXXX XXXX. I asked them to provide DOCUMENTATION that the account belonged to me with signatures and any identification that was taken so we could track down who was behind using my name or have a similar name to checking into this hospital. 2 days later is the response I got They sent me a letter that I received on XX/XX/XXXX stating They determined the balance on the account is accurate and my responsibility. No documentation or anything.
Consumer complaint received 2020-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (MD)

I use a service called XXXX to invest my money when I can. I tried to update my PNC Account number with XXXX  and they report that PNC Changed something and they can not longer perform transactions based on my requests. This was not a problem for me to set up initially with PNC. However, I want to link a new card that I received from PNC and the service is now not able to link to it. I want this service to link to my PNC Checking/Bank Card to round my money up and invest that money on my behave.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MA)

The date that this card was opened is XX/XX/2023. The card is from XXXXXXXX XXXX and I have called them to disable that account since I never inquired from them personally. Fortunately they provided the address and email where the card was attached to. The address is XXXX XXXX XXXX XXXX XXXX, NC. The email address ( from memory ) was XXXX but I would rather have XXXX tell me the email again. The credit card has a limit of {$2000.00} and the person who used it spent ~ {$1900.00} on it and did not pay it off.
Consumer complaint received 2021-03-01
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: TD BANK US HOLDING COMPANY (FL)

I paid this line of credit off early and there are no fees for paying early. I was charged {$80.00} twice when I paid {$6000.00} on XX/XX/XXXX. 
Interest charges throughout the loan were not calculated correctly. I paid because I was afraid of reporting me late. I have over paid by at least {$500.00}. My last payment was {$180.00} and paid on line and was final payment. 

I am done with banking violations! 
I spoke with Mr. XXXX from the CFPB the last complaint I made. Why is CFPB in place of you allow TD to keep committing banking violations.
Consumer complaint received 2018-02-25
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: BARCLAYS BANK DELAWARE (CA)

As an XXXX XXXX XXXX XXXX XXXX I opened a XXXX 's Luxury Gold Card in XX/XX/XXXX as it offered a waived {$990.00} annual fee with 0 % APR for purchases, cash advances, and balance transfers month other annual gifts. The annual fee was advertised to be waived under the XXXX for the duration I was on XXXX XXXX which I remain. After about a year of having card, they notified all service members that they are changing policy where the {$990.00} annual fee will only be waived if you received the card prior to coming on XXXX XXXX. Now, service members are stuck with a card that they either have to close or pay an annual fee which was not what was originally agreed upon. Many feel this was a bait and switch. I'm very appreciative of the initial incentives and bonuses, but this does not sit well with me or many other service members. Barclays should have known better.
Consumer complaint received 2020-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NJ)

On XX/XX/XXXX Citibank responded to a dispute I filed for a {$2000.00} charge from XXXX XXXX to my Mastercard, temporarily crediting the charge off my credit card. XX/XX/XXXX Citibank informed me that they had charged the {$2000.00} back on my Mastercard, due to the merchant sending them copies of everything I signed, but not justifying why XXXX XXXX XXXX refused to refund anything. XX/XX/XXXX I responded by certified mail to Citibank, stating that they had no justification for the chargeback to my Mastercard, as the merchant had not responded with any justification why he was offering no refund. XX/XX/XXXX, I wrote back again by certified mail to Citibank advising them I was going to turn this matter over to federal authorities if they did not refund the {$2000.00} which I was justified to receive and that I had supplied them with copies of all my emails between me and XXXX XXXX, showing that Mr.XXXX XXXX was not trying to work with me. XX/XX/XXXX I wrote by certified mail to XXXX XXXX CEO Citibank asking him for help with the {$2000.00} dispute and another dispute for {$260.00} with XXXX and never received any response. 
I also had multiple phone conversations with Citibank disputes agents on XX/XX/XXXX, XX/XX/XXXX, etc. The last phone conversation I had with XXXX ID # XXXX. He told me on XX/XX/XXXX, that he was trying to work with the merchant to get the dispute resolved, but that the merchant was not cooperating. He also told me on XX/XX/XXXX, that the investigation team had been working on my dispute since XX/XX/XXXX and that the dispute will be settled by settled within 7-10 days. It is past that date and I am tired of being given the run around by Citibank. I want the {$2000.00} and the {$260.00} back, plus all interest charged, plus punitive damages for the dishonest way Citibank has conducted themselves. I have hard copies of EVERYTHING I have spoke of here, so I can prove everything I have said.
Consumer complaint received 2020-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX XXXX XXXX This is being reported on my credit report and I dont even know what this is. Plus this debt is 8 years old and I am not sure why XXXX  and XXXX  have removed this debt and Experian is the only one reporting. This needs to be removed from my credit report IMMEDIATELY!
Consumer complaint received 2021-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (PA)

On XX/XX/XXXX I sent a letter to Experian for method of verification fo accounts on my credit report for which I have documentation that they received this request on XX/XX/XXXX. On XX/XX/XXXX I received a letter from them dated XX/XX/XXXX that the projected completion date for my request was XX/XX/XXXX. I in return sent them a letter advising for method of verification the response was 15 days and not 30 and to remove the items from my credit report, for which they received this request on XX/XX/XXXX. Experian did not remove the items so i filed a complaint with the CFPB and received complaint document number XXXX. The response from Experian was one that I did not supply them with the information requested, how they assumed that. I do not know, however I wrote and sent each letter of request for which they received. I noticed on my credit reports that Experian continue to state that the Third Party XXXX XXXX verified the accounts to be accurate, so I wrote to XXXX XXXX to receive their method of verification for accurately reporting this account to Experian, for which they did not respond. I again wrote to Experian advising them of this on XX/XX/XXXX for which they received the request to remove the items again on XX/XX/XXXX. On a letter stated from Experian on XX/XX/XXXX they once again stated verified as accurate via XXXX XXXX. On XX/XX/XXXX I prepared a letter to send to XXXX XXXX, however ; I phoned and spoke with XXXX at XXXX XXXX instead, he stated that a letter dated XX/XX/XXXX should have been sent out to me stating those accounts were deleted from my report as per their earlier investigation of the letter they had received from me. They resent this letter and on XX/XX/XXXX I sent a copy of this letter to Experian stating that they immediately delete/remove the accounts from my credit report as per their third party reporting agency these accounts as been deleted as of a result of their investigation. I received a letter from Experian on XX/XX/XXXX stating accounts remains as per XXXX XXXX verified accurate. This is not factual and I believe they did not even view the letter, they just used a computer to erroneously verify this information
Consumer complaint received 2018-02-25
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (CA)

Ocwen Loan Servicing, its crooked lawyer XXXX XXXX intentionally failed to respond to my request for loss mitigation options to avoid fraudulent trustee sale. XXXX XXXX assisted troubled Ocwen with financial white collar crimes so that troubled pretender lender loan servicer could embezzle my property temporarily increasing its revenue. Since XXXX XXXX avoided my request for loss mitigation options and assisted troubled fraudulent Ocwen with white collar financial crimes slandering my title all over again recording another fraudulent notice of trustee sale I am left with no choice other then to litigate my matter in chapter XXXX.
Consumer complaint received 2016-07-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NJ)

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2021-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK (NJ)

I found XXXX hard inquires on my credit reports opened XX/XX/2021 that I did not apply for, XXXX XXXX XXXX XXXXXXXX Discover XXXX. I think someone stole my information and attempted to open accounts in my name. I have contacted both XXXX XXXX and discover, they can not find the inquires and no XXXX will answer at XXXX XXXX XXXX XXXX  XXXX is sending me a letter with the information to call the company but I did not open any new accounts.
Consumer complaint received 2018-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

There are several delinquent payments were inaccurately reported on my credit report when I was actually in deferment. I have initiated contact via several letters certified mail and via email for you to update my credit report to CRAs to show that the payments were not late and actually in deferment. I have attached an FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ). The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. 

Navient representatives told me that because the delinquent payments were accurately reported in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX that any subsequently initiated deferments would not allow for XXXX to update reports to CRAs to show that the payments were not late and actually in deferment. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point. *
Consumer complaint received 2020-03-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Student Services (TN)

Made pants to XXXX XXXX XXXX co for consolidation to a servicer in the amt of {$47.00} in 2014. Relating to the XXXX 0 plan. I was told that my pymt was going to the dept of ED but yet nothing was applied to my school loan. When questioned, they said the money was ONLY to the servicer as a fee to show my account as being pd for an amt of time.XXXX was the number I called. More like a forbearance pymt, I think. It started in XX/XX/XXXX! Said it was with XXXX. No money was ever applied to my account during that time. Now 13 years after my initial loan of {$12000.00}, I still owe {$9000.00}!!! But have been making regular pymts to attempt to get this resolved! Help!
Consumer complaint received 2018-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (IN)

My application for a credit card was rejected because my " identity can't be verified '' by Experian. I went online to check my Experian report and they said the same. I'm OK with XXXX and XXXX, but can't get Experian to even recognize who I am, meanwhile, the credit card application is in limbo. I tried to resolve this online and by phone with no good results. 

I'm a little concerned that I might have been hacked or have some unknown breach that prevents Experian from recognizing me. 

HELP!
Consumer complaint received 2017-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

There is an unauthorized inquiry on my credit report made by XXXX XXXX XXXX on XX/XX/17 that does not belong to me. I have spoken with the creditor who claims I must contact the credit bureau. When I speak with the credit bureau, I am told to speak with the creditor. This inquiry does NOT belong to me and is adversely affecting me.
Consumer complaint received 2018-06-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (IA)

In XX/XX/XXXX, I made a call to Loancare to make my mortgage payment. I asked the rep to help me sign up for autodraft, so I could more conveniently make payments. She did so. I told her the XX/XX/XXXX of every month. My mortgage is up to date, and my payments are around 660. So I was pretty shocked to see my bank statement come up as Loancare debiting my account on XX/XX/XXXX for XXXX, which is a lot more than my mortgage payment. Immediately I called them up. They said there was no history of any payment for XXXX. I told them my bank statement said otherwise. I sent the bank statement in to the payment department and received confirmation they received it. I also obtained the ACH transaction details from that draft and sent that in too. Within 48 hours, they emailed to say my issue was resolved. When I called them, they claimed I had actually sent in two separate payments, one for the amount and then extra. I told them I most certainly did not and I dont have the kind of cash to be doing that. The call was dropped, no one called me back. So I called again. This woman told me that the extra money had been applied to the principal, paying me up until XXXX. I told her thats not what I asked for, I wanted my money back, and she said she would forward it over to a supervisor for a call back. I never got one, so I called again. Yet another rep told me my check was in the mail. I thought this whole nightmare was over, and then I got an email saying my running bank statement was not enough proof that the XXXX had cleared my account, only that it had been attempted. So I went to my bank again, and I resent my bank statement, the transaction details, a letter from my bank stating that the payment had cleared the account and affected my balance with a phone number and an invite to call them with questions, as well as a screenshot of transactions showing the payment successfully being debited from my account and a positive balance after. And still I have no refund. Ive asked them never to autodraft my account again, because they claim there was no autodraft yet they went in and took a random amount out of my checking account somehow. Im in fear for what they will take out next month ans whether I will see any of my hard earned money again. I have had to spend at least four hours during work time, postpone important vehicle repairs, and undergo serious stress due to this. Whatever evidence I show this company that I made this substantial payment, they deny it and ask for more evidence.