davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (PA)

At some point in 2011, a representative from XXXX XXXX called my house and talked to a family member. The caller was trying to sell us credit cards. The family member, my husband - accepted the offer. Without consulting me, he gave the person my social security number, as well as his own. I *never even spoke to the person, * and I never would have accepted the offer of another credit card. I thought the card was my husband 's, when I used it *once* - to pay my annual dues to the XXXX XXXX XXXX XXXX I paid the amount due upon receipt. 

Two years later, I got a letter from an attorney, XXXX XXXX, who claimed to be suing me on behalf of XXXX XXXX, for over {$2000.00} in fees and interest. I wrote Ms. XXXX immediately XXXX per the legal requirement to dispute it within 30 days XXXX, to tell her that the " debt '' in question was not mine. 

During the last month - over ten years since the original card was improperly issued, I have gotten letters from lawyers and bills from a collection agency - for that same " debt, '' which is not mine and should not be deemed to be mine. The lawyer was actually, and appallingly, pitching a proposal whereby I would use the money I will receive due to the CARES act, to " repay '' the creditor. I believe this is called " zombie debt '' - with an additional appalling bid to get a hold of money being sent to all Americans to provide relief during an unprecedented and devastating health emergency ( one which has deeply affected my family ). I am attaching copies of several relevant documents.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-01-11
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. (MN)

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. I have carefully reviewed my credit report in Transunion. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-13
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NY)

I received a text from my credit monitoring system that a debt collection showed up in my credit report. Jefferson Capital system purchased the debt from XXXX for the amount of {$550.00} and the debt is not mine. I do not owe any funds to XXXX and my telephone carrier is XXXX. 

I would like this entity to remain this debt from my credit history as I am do not owe any funds to XXXX or any of its representative agencies. Please let me know how I can proceed with eliminating this charge from my credit. 

Thank you. 
XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2021-09-21
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

Experian CFPB XXXX responded on XX/XX/2021 we are in the process of contacting the inquiring creditor to verify the accuracy of the information with which you disagree. Please note that an investigation may take up to 30 days. Upon completion, the results summary will be provided directly to you for review.
Consumer complaint received 2023-01-11
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. (LA)

Experian completed an investigation of credit report, no resolution. Stated a company XXXX XXXX provided information. 

Company XXXX XXXX have no such information per a letter mailed to Me. Also inaccurate information still reported on file. Per Experian complete investigation on XX/XX/23 but informed your company its still pending. Spoke to XXXX at XXXX XXXX, no public information regarding bankruptcies only insurance information and also address and phone records. Reference XXXX XXXX  XXXX. 
FCRA 15USC 1681 a this is clearly a violation of this company. 

After your company notified them they adjusted my name as on your report to match information. I do not have a middle name NA. The letter from XXXX XXXX  contains a PIN number and hyperlink which displays all information held in XXXX XXXX  files. I have forward this info to Experian as well. Still no resolve
Consumer complaint received 2021-08-17
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: Experian Information Solutions Inc. (CO)

The prior questions did not really apply to my situation, so here it is. This is about XXXX XXXX credit cards. I have had several accounts over many years with this company, I have always paid my bills and never really had a problem with them, but since the pandemic started every time I would call in the rules would change from person to person. They were no longer on the side on the consumer but on their side. This last time I called about my XXXX card, asked why it wasnt working, I had paid it in full via a XXXX XXXX checking account. I was speaking with a woman XXXX I believe, she was nasty when she got on the phone, I had. A friend in my car with me the call was on speaker, he heard everything, it was like I was bothering her, she would not simply answer the questions she went around it and around it. I asked for another supervisor she told me at first there was no one else and that she was the only available one. I got into an argument with her about how everyone has someone over them unless you own the company. She got another, so I did also. I asked over and over to talk to someone else to deescalate the situation, she continued to be a XXXX. So she finally said she would transfer me or was hanging up on me I cant remember, I was so mad by now, I said fine and turned to my friend and she she is a XXXX. Now that operator was listening on the line and heard me say that about her, I know not flattering on my part but I was so XXXX off and she was continuing to make it worse. So it just came out. She screamed at me oh now youre going to lose you card, I hung up on her and called right back and got someone different, she was calm and answered my questions, I told her what had happened and that was not said to that person I had though she hung up and was saying it to my friend. Ten 10 days later XXXX  XXXX closed all of my accounts down and took me off my husbands cards. Like I said I always had paid the bills on time, I was late few years ago but I paid it. I did nothing wrong to have them treat me like that. I did not say it to that operator, I said it to my friend. I was never contacted by XXXX  XXXX to hear my side of the story, they just closed all of my accounts down. Now they have affected my credit score in a major way, I had 5 accounts and it was just reported that they were closed by the merchant which is hitting my credit like a brick. I have freedom of speech I can say anything I want ugly or not, my choice, I should not be punished for saying that to my friend about her. I actually was saying it behind her back. I worked very hard on my credit with that company and believe that if it isnt illegal for them to do this that itI should be. I want them to report my credit differently so it doesnt affect my score. This company has ruined all the years I have worked on my credit, if I can sue I will.
Consumer complaint received 2020-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (FL)

On XX/XX/2020, I went to check my credit card statement online, and found out that both of my accounts were closed by the company. I then immediately called customer service and they acknowledged that Citibank 's Executive Response Unit closed the accounts, refused to give me an explanation of why they closed the accounts, and refused to issue me new credit cards. Currently, I have no credit cards and have to resort to borrowing money from family to pay for food and supplies. The only solution they gave me was to write a letter to the president of the company and request that my accounts be re-opened. 

I had a picture of the web page showing the closed accounts but I could not upload it because it exceeded 10 MB
Consumer complaint received 2020-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ADIR INTERNATIONAL LLC (AZ)

I have noticed that this company had begun and continues to incorrectly report an account as derogatory and 30 days late exactly one year from settlement. I called this company multiple times since XXXX to correct the issue at which point they acknowledged there was something incorrect on the report and advised me it would be fixed and updated. At this point the reporting continues to be done incorrectly and no attempts to correct the inaccurate information from them to my reports have been made. I have spoken to several people including the credit department itself of this company but they are not correcting the information on my report. They initially never explained either the differences in the accounts they use nor do they inform you that when opening services with them that they open three accounts for you instead of one.
Consumer complaint received 2018-07-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

Ocwen LN XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX Short sale was started XX/XX/18 with Ocwen. 

XX/XX/18 Borrower was approved for a loan modification. As per Ocwens request the borrower responded on XX/XX/18 with a signed letter declining the loan mod and requesting a short sale. 

Per federal guidelines, this file should have been rolled immediately into a short sale. Ocwen is refusing to do this. Instead, they are requiring a brand new complete financial package from the borrower, and they are blaming this on investor as an investor requirement. 

This is not legal. This is NOT acceptable. 

In addition, Ocwens employees in XXXX have no idea what a self-directed IRA is, and are refusing to acknowledge this as a viable option for a buyer to purchase a property. Instead they are requiring XXXX documents. We have explained several times to Ocwen that this is a self-directed IRA and not an XXXX. Ocwens employees in XXXX are still refusing to move forward without XXXX docs. 

Ocwen is allowing people in a third-world country that can not properly read, write and speak English and have NO knowledge of how transactions are handled in the United States to make decisions that are affecting their clients ( I believe our experiences with Ocwen are very similar to what thousands of Californians have experienced in the past and almost led to Ocwen being banned from doing business in this State ). This is also NOT acceptable. 

I want the federal guidelines to be adhered to and this to be immediately rolled into a short sale with no further illegal action or investor-blaming on the part of Ocwen. 

I also want to know who the investor is immediately, so that we may file a federal complaint against them as well, for allowing their servicer to commit these illegal acts. 

CC : California Attorney General XXXX XXXX
Consumer complaint received 2018-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

For maybe more than 20 years trans union has been reporting and gathering wrong information on me which has affected my credit score and report. They were reporting my name as XXXX XXXX XXXX and My name is XXXX XXXX XXXX Also they have been reporting my birth date as XX/XX/XXXXand my birth date is XX/XX/XXXX. This has resulted in bad information gathered. The other two credit bureaus have my credit scores ranging from XXXX to XXXX at different times and transition stays from XXXX - XXXX. I have complained and ask them t fully investigate how the wrong information mah have hindered my score and ruined my life stopping me from lower payments, credit cards and many better things. They changed the information but nothing else not even an apology and my right score.
Consumer complaint received 2021-08-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC. (LA)

I have tried numerous times to apply for a line of credit i keep sending all the required documents and i keep getting denied it says unable to verify my identity i checked with all credit bureaus and my information is current in there systems. Netcredit could not give me a clear answer as to what identity they could not verify.
Consumer complaint received 2021-04-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: KEYCORP (CO)

I have asked to close my Key Bank Checking account twice ; once on about XX/XX/2021 and again on XX/XX/2021. Both times the Key bank representative, via online chat, said the account would be closed within 5 business days. The account has a XXXX  balance. The account remains open.
Consumer complaint received 2021-08-17
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: WELLS FARGO & COMPANY (MA)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft WF/XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Consumer complaint received 2020-10-24
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TN)

i received a letter from Synchrony bank dated XX/XX/2020 and they have decided to close my acct with Sams. This is the second one in a year Synchrony bank has closed my acct. i have never missed a payment with any account issued by synchrony bank and they have lower my credit limit and then decided to close my account without any notice. Synchrony closed my JC Penny credit card last year and now they decided to close my Sams credit card last week without any notification.  Both of my credit cards have XXXX balance on them, but the fact Synchrony bank close my account without prior notice was inconsiderate and disrespectful. I have increase my credit limit on most of credit card except for these two. i don't wish to ever get credit from this bank again.
Consumer complaint received 2020-09-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Contacted the Credit Bureaus on XX/XX/XXXX - XX/XX/XXXX - Its been over 120 days no response from Credit Bureaus. No update on credit report, regarding false accounts. There's no obvious sign of re-investigation on unknown accounts.
Consumer complaint received 2021-08-17
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. (MD)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-05-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates (IL)

I looked on my credit report and noticed that there is alleged debt that hasnt been validated placed on my credit report.. I do not owe any debt and this alleged debt is being advertised on my credit report to force me to pay this alleged debt. This debt collector is civilly and criminally in violation of the FDCPA laws. I have attached documents in hope to get this issue resolved or i will be seeking litigation.
Consumer complaint received 2020-05-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (NY)

We have a long lasting and exclusive relationship with chase bank, comprised of both personal banking and business accounts ( XXXX XXXX, XXXX  ) on both the Personal and business side this relationship includes a wide array of services including checking/savings accounts, credit cards, lines of credit. During the covid 19 pandemic your behavior and approach have left us in a precarious situation and with very little choice than to protest and claim foul play
Consumer complaint received 2023-01-11
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. (PA)

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX PA XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2023-01-11
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. (PA)

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX PA XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2021-08-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

My name is XXXX XXXX. I'm sending this complaint on behalf of myself, there is NO third party involved with this complaint. On XXXX I sent a 609 dispute letter to Transunion regarding the following account, asking for a immediate investigation and removal of this account. It has been well over 30 days and I have yet to receive any information regarding the investigation of this account. 

XXXX XXXX XXXX XXXX  DOCKET # XXXX CHAPTER XXXX BANKRUPTCY DISCHARGED. 
Date of account open : XXXX  Please remove it from my credit report