davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-20
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: EQUIFAX, INC. (MI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-09-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Bureaus, Inc. (FL)

All I've ever gotten from this company is a collection letter in XXXX and phone calls! I have demanded they stop calling me, and they haven't! I've written them many times demanding validation which I haven't received, and I am Furious! They violated so many federal laws with this account it hurts! PLEASE GET ME THE JUSTICE I DESERVE AND REMOVE THIS ACCOUNT!
Consumer complaint received 2024-01-28
Product: Credit reporting 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. (GA)

Experian This is my SECOND time contacting you about these fraudulent inquiries showing up on my credit report. I previously sent you a request to investigate these inquiries and to remove them from the credit report. 

I have already contacted every creditor directly and they have no proof of the permissible purpose of the inquiries. 

Once again, let me be clear that I have already contacted every company listed and most do even not have a record of me at all. I'm being very cordial and requesting that you abide by the Fair Credit Reporting Act and remove these fraudulent inquiries immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-10
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. (IN)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account, 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 2016-08-29
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (IL)

I have been current and never late on my account. I received a call from the Ditech, the loan servicor, and then a new statement stating that my account was past due since XXXX 2016 and I have unapplied funds. I called on XXXX/XXXX/16 ( 2nd phone call in the month about the same issue ) and they said that they made an error it would be corrected in 5 days which it has n't and my online account is not corrected either.
Consumer complaint received 2017-06-20
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MD)

I had been having problems with making payments with my credit cards the past couple of months so I made a loan to pay off all of credit cards and cancel the cards. On XXXX XXXX, 2017 I called Victoria Secret 's ( Comenity Bank ) and spoke with a customer service rep and told them that I wanted to pay the account in full and close my account. He gave me a final balance of $ XXXX-I completed the transaction with the rep on that day. Two days later, I received an e-mail from VS stating that I owed {$45.00} for a finance charge. My payment was due on XXXX XXXX, 2017 and I paid XXXX XXXX, 2017. I e-mailed VS two times and finally called on XXXX XXXX to speak with a representative. He was rude and disrespectful. I repeatedly explained that I made it clear on XXXX XXXX I wanted to pay the account in full and close. Why did n't the rep give me the full amount as I requested? He could n't answer me, all he could say was that I missed my payment due date and was charged a finance fee for not paying on time. I was asking for the finance charge to be removed so that account would be zeroed out and they would not take care of it. I experienced the same issue with XXXX, also Comenity Bank, I paid that card in full on XXXX XXXX, 2017 also and two days later I received an e-mail stating I had an outstanding finance charge. I neglected to call Comenity because of my previous conversation. I was on the phone over 20 minutes with a customer service rep who was condescending, rude and disrespectful. I will share my story of unfair and illegal practices by this credit card company.
Consumer complaint received 2016-10-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (IL)

I paid my mortgage with a personal check to OCWEN on XXXX/XXXX/2016 for my mortgage. It took them 12 days to cash the check. The check was cashed on XXXX/XXXX/2016 and on XXXX/XXXX/2016 they send me a statement stating that I am past due. I am not past due. I called them today XXXX/XXXX/2016 and spoke to XXXX, relationship manager, and she confirmed I am not past due and she has NO IDEA why they sent me this notice dated 5 days after my payment stating I am past due. I would like to have a corrected mortgage statement. Someone is making errors at the bank on my mortgage.
Consumer complaint received 2015-10-23
Product: Prepaid card — Payroll card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (CA)

I have a rush card and I am unable to access my funds since XX/XX/2015 I am a single parent and I am in need of my funds I reported this issue to my employer and my employer stated my funds were already loaded to my Rush Card when I call customer service for Rush Card the first time I waited XXXX hour and XXXX minutes to speak to a representative this was on XXXX XXXX they stated they were going to issue me another card and I should receive it no later than 7 days, to this date I still have not yet received my new card. I have called customer service to check on the status of my account to only be hung up on numerous calls. I am frustrated that no one can help me with my questions I can no longer be without money.I emailed Rush card and no one has responded back to my concerns.
Consumer complaint received 2022-09-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (TX)

National Credit adjusters you are here by put on notice that CEASE AND DESIST any and ALL claims that your company may have on me under 15 U.S.C.1692cc, and 15U.S.C.1692e { 8 }, cease communications of ALL collections and debt information that you have, to ANY BODY OR COMPANY other than myself by mail only this is a official notice
Consumer complaint received 2022-03-03
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. (GA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2018-03-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (MD)

I received a letter in the mail on XX/XX/2218 from ERC stating I owed a debt to XXXX XXXX in the amount of {$150.00}. I called them and they had no information to tell me about this debt. I than called XXXX XXXX and explained what was going on, I gave then the info reference # XXXX   from the letter. XXXX XXXX has no information of me having a XXXX XXXX   account on my own, I have been on my mothers account of which XXXX XXXX  checked and showed proof of no other account. I want this fake debit removed from my name and credit report. XXXX XXXX XXXX   1XXXX XXXX XXXX XXXX MD, XXXX
Consumer complaint received 2018-03-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (NY)

On XX/XX/2018 I went to Wells Fargo at XXXX XXXX XXXX   and the Banker informed that I need Photo ID and debt card or another verification and make a deposit of {$25.00} said that with the United States that all Banks check credit to open account is that legal because many individual with the United States try to establish credit and open a bank account could be one form of establishing yourself what give any Bank or Financial Agency credit my credit or any one to open account if that was the case then they should not as for a deposit I use be former employee of XXXX XXXX  and the account that I have with them was not treated as employee account they charge me fees please investigate this Bank ensure that they operating according to United States Federal Regulation with opening accounts process all banking products with the United States and no discrimination against me and anyone else and all misconduct and mismanagement found all individuals involved be convited according to United States Federal Regulations
Consumer complaint received 2024-05-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (PA)

I filed my income taxes back in XXXX and I'm still waiting for them to be approved though the IRS. I don't know what's going on. I don't know why it's taking so long. It's only {$550.00}.
Consumer complaint received 2022-09-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

On XX/XX/2022, I used the Cardtronics ATM inside of the XXXX store located at the intersection of XXXX XXXX and XXXX XXXX XXXX. I attempted to withdraw {$400.00} from my XXXX card provided by Fifth Third Bank. The ATM malfunctioned and I received a receipt saying that my transaction was denied. The money was still removed from my account. I called the number on the machine and the agent referred me to my bank because there was NOTHING that he could do. So I called my bank on numerous occasions, and each time I was told that my money would only refunded within 45 business days and that there is NOTHING that they can do. I even spoke with a manager called XXXX who insisted that I won't have any money until the investigation is complete. 
Obviously, I need the {$400.00} to pay bills. Please help. There should be a way for me to have access to {$400.00} before 45 BUSINESS DAYS!!
Consumer complaint received 2022-03-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (MS)

XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX. I called the XXXX XXXX, i also called Chexsystems about the Reported balance of {$190.00}. Im unable to open up a checking account because of this negative balance being reported in the chexsystem.
Consumer complaint received 2017-06-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (MO)

Ability Recovery has failed to provide proof that there is some contractual obligation which is binding on me to pay this debt. Ability Recovery has also failed to provide copies of any HIPAA authorization since this is a medical account or copies of any agreement that bears the signature of the alleged debtor wherein he or she agrees to pay the creditor agreement that I have with their client that grants them the authority to collect on the alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES : and SEC.13407 ( 1 ) BREACH OF SECURITY.
Consumer complaint received 2017-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/XXXX, a check of {$1200.00} was about to cash from my Wells Fargo checking account. My account did not have the balance to cover so an overdraft fee was incurred. I did not write this check. After hours of communicating with bank rep over the phone, I got the image of the check, and confirmed that 's not a check from me ( not even have my name/address/signature on it ). The rep confirmed it 's a bank error/fraud, however refused to credit the fee back to my account, saying additional investigations needed. On XX/XX/XXXX, I wrote online message to the bank, bank confirmed that the executive office will follow up this case with me within two days. I have not heard anything from the bank as of morning of XX/XX/XXXX. I have no choice but filing the case with CFPB, hoping the issue can be resolved swiftly and reasonably.
Consumer complaint received 2016-07-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Caliber Home Loans, Inc. (HI)

From Friday, XXXX XXXX, 2016 until Friday, XXXX XXXX, 2016, XXXX XXXX XXXX XXXX and Her True and Lawful Attorney-in-Fact XXXX ( hereinafter " XXXX '' ) has made it crystal clear via faxes sent and eighteen phone call conversations with CALIBER HOME LOANS, INC., during the timeline as stated above that XXXX XXXX XXXX has been deceased for approximately three years and eight months, and secondly, the property that CALIBER HOME LOANS, INC., is attempting to attach to CALIBER CONDUIT ACCOUNT NO. XXXX, is not and has never been property that was or is a part of THE ESTATE OF XXXX XXXX XXXX. ( open first " XXXX Attachments. '' ) CALIBER HOME LOANS, INC., was also clearly notified on Monday, XXXX XXXX, 2016, via a " GENERAL POWER OF ATTORNEY '' that no USPS mail or any other mode of mailing shall cease and desist from being shipped to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, but CALIBER HOME LOANS, INC., has now violated the FAIR DEBT COLLECTION PRACTICES ACT twice by shipping USPS mail to mailing address as stated above, instead of following what the GENERAL POWER OF ATTORNEY clearly instructs, which is to mail to XXXX, XXXX XXXX XXXX, c/o XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX. ( open " Fourth Attachment. '' )
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX Dear XXXX Please, I am disputing the date of the last activity for account number XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX delete this item. 
It has been re-aged. 
I demand the following accounts be verified or removed immediately. 

XXXX XXXX XXXX - XXXX - This account is in violation of 15 U.S. Code 1681a ( 4 ), which grants consumers the right to privacy. This bankruptcy should not be included in my credit or consumer report. I demand that you delete this account. 

XXXX - XXXX - This account is in violation of 15 U.S. Code 1681a ( 4 ), which grants consumers the right to privacy. This bankruptcy should not be included in my credit or consumer report. I demand that you delete this account. 

XXXXXXXX XXXX XXXX - XXXX - This account is in violation of 15 U.S. Code 1681a ( 4 ), which grants consumers the right to privacy. This bankruptcy should not be included in my credit or consumer report. I demand that you delete this account. 

XXXX XXXX - XXXX - This account is in violation of 15 U.S. Code 1681a ( 4 ), which grants consumers the right to privacy. This bankruptcy should not be included in my credit or consumer report. I demand that you delete this account. 

XXXX - XXXX - Delete this item immediately. It is a public record that can not be verified and is incorrect. 

XXXX - XXXX- Delete this item immediately. It is a public record that can not be verified and is incorrect. 

XXXX XXXX - XXXX - This is not mine - please remove this inaccuracy from my report Sincerely, XXXX XXXX SSN : XXXX XXXX : XX/XX/XXXX
Consumer complaint received 2022-03-03
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. (MD)

I have been reaching out to TransUnion, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from TransUnion and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CO)

I have always paid my bill online every month with a company using their websaite and they always show that they receive my payment. however, one time this bank sent me notice in 30 days that they never received the payment even when the website said they did. This caused a late pay to show up on my report. Their website clearly stated when i made the payment that it was made on time initially. I have tried to get the negative reporting removed with the company as well as thru the bureaus but have had no success.
Consumer complaint received 2018-03-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: McCarthy, Burgess & Wolff, Inc. (CA)

I was a victim of ID Theft last year ( XX/XX/2017 ) and have had multiple debt collections dismissed as a result. I have a police report filed as well and have put a Freeze on my credit report. This company has been calling me several times a day, evenings, and weekends. I took a picture of the number of times they've called me. It's harassment and I want it to stop.
Consumer complaint received 2022-03-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

After selling my house XX/XX/2021, I reached out for a mortgage loan. I have no experience with credit cards and know little how loans and credit work. My house loan was under my ex fiance because of my little credit ( school loans, medical loans ). I found out there was a " charge off '' under my credit score through Capital one. I never opened a credit card on my own. After speaking with capital one, the credit card was opened XX/XX/2021 and now charged off for {$440.00}. I asked for the representative to verify the address on file in which he could not. I gave my address to where my fiance and I lived which differed from the one on file. My brother recently had theft for {$30000.00} recently occur from an address we lived at 5 years ago when we first moved to NC. I remembered that and told the representative the old address. He confirmed that was correct. I have attempted to speak with capital one regarding this. I even attempted to pay off the balance. Even so, the representative told me the email on file belonged to a " XXXX ''. This email is not mine. I was then told it would not matter if I tried to take the balance off. I am now unable to even be approved for a small apartment due to this matter. It is truly saddening this has occurred, although not {$30000.00}, this has affected my means of living.
Consumer complaint received 2021-09-03
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: DISCOVER BANK (CO)

I received in the mail a student loan application from Discover on XX/XX/2021 in the amount of {$74000.00}. I did not apply for a student loan. The application had my current address, date of birth and social security number. It also had my incorrect phone number and incorrect email address. I contacted the Discover fraud department and the application was withdrawn and Discover will investigate.
Consumer complaint received 2023-01-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL (NJ)

Synchrony bank, ( the credit card company ), canceled my card for no reason, and then demanded immediate payment ( {$2700.00} ), I couldn't pay it all immediately and they refused to work with me. They called me day and night, sent numerous emails, left numerous voice messages and called before and after normal business hours. I once got a call from them at XXXX on a Sunday morning. Sometimes they called XXXX times per day. It was mentally exhausting. I told them to stop numerous times, but they continued for months.