davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (FL)

According to Wells Fargo my " account originated as a XXXX, adjustable rate Pick-A-Payment account. The loan closed in accordance with the proper regulations and guidelines in place at the time of origination. The account was properly evaluated and a loan modification was approved for the account. '' The problem with that response is that I was repeatedly denied a loan modification that would allow me to keep my home while making mortgage payments within my means. Wells Fargo as no shame or bears no responsibility for the destructive Pick-A-Payment loans, which have since been deemed illegal loans, that they've upheld then and now as regulatory and fair loans. All of which are lies as they've been caught again and again violating peoples court ordered rights.
Consumer complaint received 2021-08-19
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. (NV)

I have sent over 10 legal documents to your company and you have over and over responded with nothing except we need more information. XXXX has reached out to you and I have sent your company a legal document form XXXX stating for you to correct this fraud matter. Your company is stating that I have negative credit on my XXXX account. All other credit reporting agencies show me with XXXX credit and never had any negative accounts. I have attached XXXX legal document for Experian to stop reporting negative items on my XXXX account. You have been served with supporting documents and have them. 
I have spoken to your legal team many times. This is total fraud by Experian reporting this on my credit account form XXXX.
Consumer complaint received 2021-02-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NETWORK CAPITAL FUNDING CORP (AZ)

After making 6 months of payments with Network Capital, I am attempting to refinance house with new lender. Network Capital is refusing to send payoff statement and not providing any correspondence on why the payoff is being held XXXX. Notice of error was sent out on XX/XX/2021 and have received no feedback from company. When contacting customer service they have repeatedly gave me numbers that are not in service.
Consumer complaint received 2018-02-09
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: Bridgecrest Acceptance Corporation (AZ)

I pulled my credit report on XX/XX/XXXX and noticed that a company Bridgecrest were reporting XXXX days late. I don't recall this to be the case so I sent them a certified return receipt letter on XX/XX/XXXX and on XX/XX/XXXX asking for verification of the late payments with my signature. They sent me a copy of my contract. I am not disputing the debt as this account is paid off. I'm disputing the error in my payment history that are being reported. I sent certified letters to all 3 credit bureaus and did not get anything resolve with them either. I did not get anything back from any of them showing this reporting is correct. I don't believe it is fair to report this error without giving me proof of such. I am requesting that they provide my proof of these late payments or delete this error right away. This is gravely affecting my credit scores and needs to be removed immediately. I am sending a letter today to the XXXX XXXX XXXX and the XXXX  XXXX XXXX as I want this to be taken care of right away.
Consumer complaint received 2019-05-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (AZ)

Disputed several errors on Equifax credit report. I cant access the credit report online anymore.Tried three different times. No response to mail or email.
Consumer complaint received 2020-11-05
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7900.00}, {$11000.00}, {$12000.00}, {$320.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$7900.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 


-- COLLECTION ACCOUNT 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$320.00} -This is not my account.
Consumer complaint received 2021-02-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Card Acquisitions Group (TX)

On XX/XX/XXXX Foster and Monroe was contacted in reference to this debt. I spoke with a gentleman named XXXX XXXX. He stated that the amount owed was {$13000.00} however with interest added the amount added up to {$37000.00} which dated back to XX/XX/XXXX. As of today I have not received any correspondence from the company. 
According to the FDCP act the company has not validated this debt, the account is well beyond the statute of limitations, they have re-aged the account and they have added a substantial amount of interest on the original debt which was originally {$13000.00} but now its {$37000.00}. There should be paperwork provided with what they are stating instead of a verbal response or written response to validate this. It is unfair for companies like this to abuse consumers let alone someone who served their country. This debt should be deleted immediately. This is an illegal tactic that collection agencies use. When this was purchased, the collection agency can not re-age the account to restart the clock. 
After filing one complaint the company responded on XX/XX/XXXX, stating that I had made no attempts to contact them. This is false information due to the fact that I have definitive proof that they were contacted. I am forwarding a letter to the State Attorney General and will be contacting the Federal Trade Commission as well.
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (AZ)

I got two letters in the mail from PayPal Credit indicating I have a balance that needs to be paid. When I call the number listed to find out more information it asks for my social security number without giving me the option to talk to a representative. I go to the website ( paypal.com ) and there's no indication of any payments that need to be made. I tried to close my account and it says I cant unless I transfer the sum of money to my debit card. I believe this is a scam.
Consumer complaint received 2021-06-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC (CO)

I disputed the validity of this debt with Credit Control. I asked for specific information to verify the debt. As required by the FDCPA. I asked for 1 ) A Signed original copy of the contract between myself and the original creditor. 2 ) The proper legal assignment contract between you the collection agency and the original creditor. 3 ) proof that you are licensed to collect debts in Colorado. 4 ) A line by line accounting of the ORIGINAL account ( transaction history, a full breakdown, not just pages and pages of a n account in the negative being charged fees. 5 ) Proof that you the collection agency are in compliance within the statute of limitations in the state of Colorado.

I have attached the original letter requesting to confirm the debt. I also attached their response. Pages and pages of phone numbers that i don't recognize.

Credit Control doesn't get to dictate what they will or won't use to verify a debt. I would caution Credit Control in continuing to harass me. I have taken numerous credit collection agencies to small claims court and won. 

CFPB please see all of the attached documents i have provided. Credit Control is in violation of FDCPA
Consumer complaint received 2024-03-22
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

On XX/XX/year> Someone cashed a check for XXXX on a compromised checking account and when the check was returned, they took the XXXX out of my savings account, even after they was told that I was not the one who cashed this check. Called the bank several times after filing a complaint and also have asked several times for the fraudulent check and what bank branch this check was cashed at. First call to the bank was on XX/XX/year> when noticed it was on hold, and told them that I did not authorise any money to be taken out of my account and that it was suspected fraud. Seen on XX/XX/year> it was taken out of savings account and called them again and filed a claim. Called the bank again on XX/XX/year>, XX/XX/year>, XX/XX/year> and was told it was filed wrong and supposedly another claim was filed. called again on XX/XX/year> and XX/XX/year> and no one could give me answers, spoke with a manager and again explained what happened and told him that I was not the person who cashed the fraudulent check, also asked him for copy of check and bank branch this check was cashed at. They closed the claim without returning my funds to my account and no copy of check or bank branch location. called them again and told them they need to reopen this claim. That is where I'm at now.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (GA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX XXXX Account number : XXXX
Consumer complaint received 2023-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX I went to Chase bank on town center parkway on XXXX XXXX. I had a large glass jar full of cash that I had collected for about a year which was roughly XXXX XXXX dollars. I went to the teller and asked to get the cash deposited into my account. The teller instructed me to separate the bills by XXXX, etc. I asked the teller do you want me to count it again she said no. I separate the bills and when I was done an employee a woman named XXXX instructed me to use the atm instead of going to the teller. She stood there and oversaw the process. She instructed me to put a chunk of the money into the atm I then asked XXXX should I count how much XXXX putting in at a time? She said no the atm will count it. The first chunk of cash that went into the atm was counted and amounted to be {$1200.00} but the atm did not give me a receipt. We did another chunk of cash after that and XXXX stepped away while the atm was counting it. While she was gone the atm jammed and showed an error message but did not display a dollar amount nor did the atm print a receipt. No money was deposited into my account from either transactions. When XXXX came back I explained to her what happened and the atm still had the error message displayed. XXXX told me there was nothing she could do and had to get her XXXX XXXX involved. XXXX got involved and still did not have a solution for me. The only thing he was able to do was get me two temporary credits one of {$1200.00} for the transaction that displayed on the atm and one for {$300.00} to amount to {$1500.00} so I could pay my bills that were coming in a week. XXXX assured me that the atm would be audited and the remaining money I was owed would be deposited into my account within XXXX weeks. Today XX/XX/XXXX nearly a month after the incident I reached out to the customer service line to check on the status of my missing money and was told that my claim was only for {$1500.00} which is wrong because I told both XXXX and XXXX the day of that the jar had roughly {$3000.00} in it. Customer service told me there was nothing they could do and to go to the branch. I went to the branch and spoke to a XXXX XXXX who was extremely dismissive and unhelpful she told me the machine had to be audited to find out how much money I was owed even though I explained to her that this happened a month ago and that should have been done already. XXXX also refused to let me speak to XXXX the XXXX who dealt with the original issue and would not allow me to make an appointment to see the branch XXXX XXXX. I called chase again to make an XXXX complaint to have it documented that the situation took place and after my complaint I was told that the bank did their investigation and decided I was owed {$1200.00} and that they took {$240.00} out of the {$1500.00} credit that they gave to me. I told them there was no way this was correct and again I was met with theres nothing else we can do.
Consumer complaint received 2020-11-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7900.00}, {$11000.00}, {$12000.00}, {$320.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$7900.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 


-- COLLECTION ACCOUNT 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$320.00} -This is not my account.
Consumer complaint received 2018-02-09
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. (AR)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX have been reporting negative accounts reflecting {$900.00} ( XXXX ) and {$130.00} ( XXXX XXXX ) to EXPERIAN, XXXX, and XXXX. XXXX removed the accounts from my report, however EXPERIAN and XXXX continue to publish these fraudulent accounts hindering me from obtaining credit, thereby causing me to suffer for the last 6 years when the ability to obtain credit would have made life turn out better than this lowly state I feel forced to endure. I am confident that neither furnishing nor reporting parties can validate these debts, although, every time I dispute the accounts I am notified that the accounts are up to date and in compliance with FRCA standards, but I have not seen any evidence to verify these statements. I demand recourse in actual damages for conspiracy, deprivation of rights, fraud, defamation of character, and intentional infliction of emotional distress. I feel it necessary that punitive damages be awarded as well for willful and malicious disregard as well as blatant disrespect for sanctions found within the FCRA.
Consumer complaint received 2022-04-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: OneMain Finance Corporation (CA)

I have been getting the runaround from One Main Financial no matter how many times I call, including 3 calls today last week in one day. I get a different answer each time I call. I've called at least a dozen times and each time I get a different answer and no solution. They assigned me to a branch and when I called the branch, XXXX was very abusive and told me he was going to hang up! As of last week, I've tried to get a payoff amount and get the run around with that. They charge me 36 % interest. The new loan is going to save me 11 % interest and will not have to have a lien on my car! On XX/XX/XXXX their website indicated I have until the XX/XX/XXXX to pay it off, on XX/XX/XXXX, XXXX tells me I have one day to pay it off! Please forward this complaint to the CEO XXXX XXXX. So, he knows how dysfunctional One Main Financial Customer service is! The payoff balance today is more than I borrowed last year, XX/XX/XXXX and is {$10000.00}. 
I have repeatedly contacted OneMain Financial to provide the payoff amount by XX/XX/XXXX and the initial documents that the branch did not provide! I have called them ; emailed them, complained to the executives and the XXXX. The only thing they indicate at their website is that I qualify for another loan. Of course, they are strictly gold-diggers, they charge 36 % interest and still demand a lien on my car! They are costing me 36 % more for my loan! My credit rating was ruined with XXXX XXXX XXXX. I then found out who the liberal banks were, XXXX and XXXX Banks and now OneMain Financial! However, my score then was XXXX but one-time XXXX  In California don't pay me or my son, everything went haywire. I must get the initial documents, the payoff amount and to stop ignoring me. We're severely XXXX seniors ; thus, now a days, liberals don't have qualms about discriminating and victimizing seniors due to our XXXX, ancestry and age!
Consumer complaint received 2023-02-15
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. (TX)

In accordance with the fair credit Reporting act XXXX  Account # XXXX XX/XX/XXXX {$52000.00}, XXXX XX/XX/XXXX {$11000.00}, XXXX XX/XX/XXXX $ XXXX XX/XX/XXXX {$250000.00}, XXXX XX/XX/XXXX {$1000.00}, XXXX XX/XX/XXXX {$7500.00}, XXXX XX/XX/XXXX {$500.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$500.00}, XXXX XX/XX/XXXX {$500.00}, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under XXXX.1 open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-02-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

When loans were presented by school I was told after twelve consecutive on time payments co- signer ( s ) would be released. All promissory notes were electronic. Now that I have met the requirements they are refusing to release co-signer ( s ) & doing a run around on information. Original promissory notes are no longer available.
Consumer complaint received 2022-04-29
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: Experian Information Solutions Inc. (NV)

In accordance with the fair credit reporting act 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 Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

XX/XX/19 -Disputed incorrect data on my accounts with equifax , they failed to verify and correct errors on my credit file. No proof provided to me. 
XX/XX/19-same as above.

XX/XX/19-same as above accounts : XXXX duplicate accounts XXXX account XXXX doesn't belong to me XXXX XXXX incorrect data XXXX XXXX duplicate accounts XXXX XXXX incorrect data XXXX XXXX XXXX XXXX XXXX XXXX incorrect late pay and data