davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (PA)

GM Financial Leasing filed inaccurate dollar amounts as delinquent notices to credit bureaus. I have called numerous times and supplied them with an explanation of events surrounding the claim twice. I supplied GM with screen shots from XXXX from my credit report. GM has responded but their explanations for not being able to resolve the issue or proceed with my request have been : No specific item was requested for investigation, no supporting documentation was received, the direct dispute is substantially the same as previous dispute.
Consumer complaint received 2021-03-26
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-02-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (NJ)

I got a phone call from a courier service ( phone number XXXX ) who left a message that they are trying to serve me with papers for a judgment against me. In the message, they said if I wanted to find out more about this to call XXXX. I called that number and the person who answered said she was with XXXX and XXXX lawyers. She proceeded to tell me that I owed over XXXX to a company called CareCredit and that I owed it since 2012. Theyve been attempting to find me and serve me paper and I should have gotten papers in the mail telling me all about this. She was extremely rude and wanted me to verify all my information. I told her I wasnt comfortable doing that, but she wouldnt tell me anything until I verified at least my birthdate, which I did. I didnt verify my social or address with her although she told me the last XXXX of my social and my address. I did not refer either with her. Obviously I was upset. I called CareCredit ( XXXX Synchrony Bank ) to make sure this was a scam. A representative from CareCredit could not even find me in their system. They sent me to their bank recovery department and they couldnt find anything either. Their exact words were the account is satisfied and closed. So this is definitely a scam. 

Im worried because I verified my birthdate with her. Im also a XXXX XXXX survivor and my address is supposed to be protected, yet they knew I had moved almost a year ago. What, if anything, can I do so this doesnt happen again? Thank you!
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2017-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

In XXXX this year, I received from USAA savings bank, a form XXXX, saying that they had cancelled my debt of {$3500.00}, and requiring me to report it as income to the IRS on my tax return. I reported it as income, as required, but USAA is still reporting the debt of {$3500.00}. This is unacceptable and annoying. How can they be reporting a {$3500.00} balance when they cancelled the full amount of the debt? On XXXX XXXX, XXXX, USAA received my dispute that I sent them through the mail, and today, XXXX XXXX, XXXX, I received from USAA the results of their investigation, which is that they claim they are reporting accurate information to the credit bureaus. When I sent XXXX a copy of the XXXX, they updated my report to having a XXXX balance and paid/closed, which is the correct information. XXXX and XXXX wo n't do the same thing. I am considering filing a suit against USAA for inaccurate reporting.
Consumer complaint received 2017-11-14
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: Experian Information Solutions Inc. (TX)

To Whom It May Concern, I received a notice of data breach from XXXX on XX/XX/17. This included accessing supporting documents that may have included my government issued id, home address etc.
Due to the sensitive nature of the information revealed in the data breach, I have requested from all 3 reporting agencies including XXXX remove all of my private information from its and its affiliate servers and anywhere/all places that information is stored. This information, including my name, social security number and accounts are being stored without my consent and to please remove and destroy any and all information immediately. 

They have not complied. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-07-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC (OH)

Capio partners recently reported two accounts to my credit report from XXXX. Both accounts is in the amount of XXXX and they both have the same date of X7. First of all, I was under the impression that the debt was written off since I applied for financial assistance and was approved. Secondly, this debt collection agency never contacted me via phone or US mail in attempt verify this account or collect the alleged amount owed. By law this agency was supposed to contact me regarding the account, given a right to dispute and validate the accounts before reporting anything to the credit bureau per the Fair debt collection practices act, neither of which they have done.
Consumer complaint received 2020-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (GA)

Navinet has been my student loan servicer since XX/XX/XXXX since my loans were consolidated and rehabbed. There are multiple incorrect/ inconsistent late payments reporting across all 3 credit bureau with different balance and dates. Not only are the late payments incorrect, I have documentation that the account was supposed to be in forbearance or deferred at the time. The loans originated from XXXX College XXXX University which is closed now due to fraud so I am unable to get any information from the institution. XXXX had the loans first they are now involved in a lawsuit. A new class action claim that was filed on XX/XX/XXXX against Navient also included my some of the situations I've dealt with. I have reached out multiple times to try to correct my file with no action the last time was XX/XX/XXXX. Per FCRA this needs to be addressed it must be taken off my credit or adjusted.
Consumer complaint received 2017-12-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (IN)

Wells Fargo issues with unethical behaviors, poor business knowledge, and refusal to refund money for services paid that they did not deliver. More details : Wells Fargo failed to acquire a mortgage in a 3 month period ( XX/XX/XXXX thru XX/XX/XXXX ), when another company was able to do so in 3 weeks ( XX/XX/XXXX ). As shown in the attached response from them, during Wells Fargo 's  attempt to acquire a mortgage they required flood insurance for a home not in a flood plain ( leads to questions of an insurance scam potential ), they routinely lost documents ( leads to questions of poor systems and identity theft problems ), they ignored timelines agreed upon by all parties most notably the purchase agreement timeline to provide proof of financing ( leads to questions of poor training and ignorance of contract knowledge ), and they pressured banks to provide information they were not authorized to do so ( leads to questions of unethical activities ). We fired Wells Fargo and requested they provide all doucments paid for and/or refund fees paid ( {$540.00} ). They were unable to provide the documents needed ( their agreement states those documents were to be provided, see attached email information ) and a second appraisal was needed for the new mortgage. They now refuse to provide any refund stating we authorized them to do the appraisal ( true ) but they did not provide the documents required for the appraisal to be used by a second company. We wish to have all money paid to Wells Fargo refunded and to alert others to their problematic services.
Consumer complaint received 2019-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (FL)

Fay Servicing who is the servicing lender of my mortgage loan # XXXX has continually delayed posting payments to my account until after the XXXX of the month and have so far charged me two late fees when in fact the payment has arrived on time prior to or on the XXXX of the month. I use my Bank 's bill payer service to send payments and they have a guaranteed delivery date of on or prior to the XXXX of the month. Fay Servicing delays posting these payments and does not post based on the day they receive the mail and waits several days to post. Most recent payment was sent out by my bank on XX/XX/2019 for guaranteed delivery by XX/XX/2019 and Fay Servicing did not post the payment to my account until XX/XX/19. They charged me a late fee of {$97.00} and I feel it is unjust. Fay Servicing has said they will not refund the late fee and that is not acceptable to me.
Consumer complaint received 2021-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CITIBANK, N.A. (NV)

Ever Since I paid off my personal loan, there seem to be like an unauthorized personal load after,, why would i want to open up another loan when i just paid it off. Once this loan has been open up again there seems to be so many issues, you guys are constantly billing me to pay it off this loan that wasn't made by me and also there numerous of unauthorized withdraw transaction and now my account is blocked and on hold and i can't even close it down. I want to close this account and take my money to go to a different bank because all you guys want me to do is to go broke. every pay check i get it go straight to you guys and i feel like you guys just want to take my money. I'm tired of this situation and i want my life back!!
Consumer complaint received 2021-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CO)

I have had a credit card with Chase XXXX  since XXXX. They were to email me bills which they never did. I had a charge on my account that I paid the balance for when they contacted me. They said they would waive the late fee. I received another call from them at such time they said I owed a late fee on the late fee. I told them the first late fee was credited. They still never sent me any paper bills or emails for any balances owing. I was sent a notice a late fee was charged for {$28.00}. When I called them they were going to have a supervisor call me back, no one ever did. I closed the account at that time because I do not want to have any further association with this company. I received another letter XX/XX/XXXX that stated my account had been credited and I would see it reflected on my next statment. I then recevied another notice on XX/XX/XXXX that stated I owed {$61.00}. I called them XX/XX/XXXX and they said I now owe over {$200.00}. I feel like they are scamming me and I need someone to help me get this resolved. If I keep giving them money how can I make sure they won't keep asking for more?!
Consumer complaint received 2017-11-14
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (CA)

In 2015, I retained California attorney XXXX XXXX who filed a lawsuit against Ocwen Loan Servicing. During pending litigation Ocwen Loan Servicing attorney XXXX XXXX presented a increased loan modification offer that I never applied for increasing the bogus principal balance to {$660000.00} with 2 % interest rate and a shady settlement releasing Ocwen from any liability. I declined the offer then dismissed the lawsuit without prejudice because of all the harassment and threats which was causing me uncontrollable XXXX attacks XXXX XXXX and more health troubles which my doctors will tell the Jury. I filed a Consumer Financial Protection Bureau complaint against Ocwen Loan Servicing. I am wonder if XXXX XXXX will respond to this consumer complaint and either confirm or deny ever sending an email to XXXX XXXX responding to my consumer complaint threatening that if XXXX XXXX files another Consumer Financial Protection Bureau complaint against Ocwen Loan Servicing that all settlement discussion are off the table. Please confirm or deny ever sending this email.
Consumer complaint received 2021-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (NJ)

Comenity Bank opened a XXXX XXXX XXXX in my name on XX/XX/2020. I did not open this credit card and never applied for credit from them. I never received a statement with an account number. I never received a credit card nor activated a card. 

XXXX is requiring an FTC complaint acknowledgment to report the card a fraudulent. When I tried to close the account with the Bank, they refused because I didn't have an account number for the account fraudulently opened in my name. I had to obtain the account number from the credit bureau to close the account with Comenity Bank. Most people wouldn't know enough to get the account number from the credit bureau.
Consumer complaint received 2021-03-31
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)

I recently purchased a house and i noticed a car loan from XXXX on my credit report without my knowledge. I have never did any business with this company. I am asking that this account be removed from my credit report please.
Consumer complaint received 2017-11-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: BorrowersFirst, Inc. (PA)

I applied for a personal loan through BorrowersFirst.com back in 2015. I am now trying to payoff my loan but unable to reach by phone or email. All numbers associated with the lending company has been disconnected and no response through email. Automated debited is still taken out of my bank but BorrowersFirst name does not appear on my bank statements. I would like to resolve this matter and payoff my remaining loan.
Consumer complaint received 2024-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (MO)

On XX/XX/XXXX I was suppose to receive the first direct deposit from my new job. I received an email from chime that I had three days to provide documentation to update my last name, because I was not aware they had not done this previously. I got married. I replied to this email with the documentation they requested. I waited until Monday and saw they still did not update my name and that they had returned the funds to my employer. My employer told me they will not send a special direct deposit because it will cost them money. I then sent the information again. I started calling every day and they kept telling me that the only way I could send the documentation to them was through a link that had to be sent through email only and I still to this day have not received this email. I have numerous other emails. After days and days of calling multiple times, I was able to get an agent named XXXX that read me the address to the link letter by letter and I sent the documentation that was requested. I waited until the next day, heard nothing, but name was still not updated. The agent on the line tells me they had sent me another email requesting more information. Again, an email that I have not received. They told me I have to confirm the name and address that I would like on my account. The license, social security card and marriage certificate was not enough. I was told to send this to XXXX. I sent this information. In the email I put my house number wrong. The next day the name was still not updated, so I called yet again. The agent informed they sent me an email ( that I did not get ) asking to verify my address. On Wednesday XX/XX/2024 I spoke with a supervisor that verified the address and told me that the name would be changed with in XXXX hours. I waited and it was still not changed. I called again and they just said they can put another ticket in. It is not 2 days later and this is still not updated. The supervisor that I spoke with at XXXX XXXX  today XX/XX/2024 gave me the ticket # XXXX. My paycheck is set to direct deposit today and I can not access this. I am getting late fees on my bills, and my electric is going to be shut off because I can not pay my bill.
Consumer complaint received 2018-01-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (CA)

XXXX XXXX is who I am disputing. 

They never verified anything nor have they sent me any documents stating how I owed this debt or how I am legally bound by it? 

Here is the information : XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX
Consumer complaint received 2017-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MO)

I ordered a copy of my credit report and notice that incorrect information is being reported on my credit report. I contact the credit bureau and they refused to remove invalid addresses as I am afraid of identity theft. They informed me that I needed to submit a copy of a piece of mail along with identification and social security card and was told to fax the information but the fax number that I was given was not working. So I tried calling back to get my information updated and was told to send in the requested information so they did not fix the situation.
Consumer complaint received 2022-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

reporting a 30 day late payment for XX/XX/XXXX on a CLOSED XXXX XXXX Mortgage account on my XXXX and Equifax Credit reports. 

I have a letter from XXXX XXXX dated XX/XX/XXXX that says clearly in ( black and white ) that I was never late for XX/XX/XXXX. 

Why is this still showing on my reports? I know it's old but it still is inaccurate.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Im honesty stumped. Regardless of how many times I claim to be the individual writing this letter it seems this messages is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. This item is UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 obtaining information under false pretenses that any person who knowingly and willfully obtains information information on a consumer from a consumer reporting agency under false pretense shall be fined under title 18 United States Code, imprisoned for more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous of Irrelevant ( A ) a consumer reporting agency may terminate a re investigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent non compliance ( 15 U.S.C, 1681o ) Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure : and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Here is the list of items which Is UKNOWN to me : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX Bankruptcy Reference # : XXXX