davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-10
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. (MI)

I found a fraudulent account on XX/XX/XXXX, for XXXX XXXX  XXXX XXXX XXXX. I notified them by phone on XX/XX/XXXX but they wouldn't make a claim because I wouldn't give them my whole Social Security number just the last 4 digits. I emailed them, sent them a hard copy letter demanding they remove the account with verification of my identity, a copy of my FTC.gov identity theft report, and police report number. I mailed the packet via tracked mail priority mail requesting they remove the false report within four days. I sent the same packet and a letter to each credit reporting bureau, and placed a freeze with all three credit bureaus. I started disputes with each credit bureau, and my packets were delivered on XX/XX/XXXX. I received a notice on my Experian credit monitoring that Experian dropped my credit score by 33 points on XX/XX/XXXX. I provided them with proof of my identity, proof of a fraudulent address used for the fraud account. Allegedly the fraud account was opened in XXXX, a delinquent charge off was made sometime in XXXX of XXXX, but there was never any report of this account by XXXX until XXXX of XXXX. The account was never on my earlier credit reports. I have credit monitoring and monitor my credit all of the time. I am a XXXX employee and have to maintain good credit. This could negatively impact my job. XXXX has not responded at all, and I have two other XXXX accounts in excellent standing. The credit bureaus are no help, and ignored the driver 's license I sent to verify my identity along with all the other documents I sent. This is a scam against consumers and XXXX  as well as the credit bureaus should be held accountable for their actions.
Consumer complaint received 2023-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

I received a check from the company I have worked for, XXXX XXXX XXXX XXXX, ( for over 2 years ), via mail on the XXXX of XX/XX/XXXX. I tried cashing it at my bank ( Wells Fargo ) on the XXXX. I was told Id have a 2 day hold on it due to my account. When I asked what they meant I was given no response. This was an inconvenience to me so I took it to get cashed elsewhere without success because bank had run my check and i had already signed it. I then had no choice but to cash it via phone through Wells Fargo app as I have done for many years. I was sent a notice via Wells Fargo app stating my funds would not be available until the XXXX being told to contact my employer/ company. I did so and was told check had no hold and was not a company issue but my banks. I have waited for an answer from the bank as to why I have been unable to use my funds and after speaking to several bank employees and managers, I have had no answers but just to refer to my employer. I have several bills I have had to pay and can not do so due to my bank I have banked with since XXXX withholding my check. I am negative on both my checking and savings due to this. On the XXXX of XXXX, growing anxious about funds not available to me and bills needed to be paid I decided to speak to a manager and demand an answer receiving several misleading responses. One response given to me was we can not disclose reasons. Another was nothing can be done until the XXXX of XXXX, were sorry. I then later that evening received a call from Wells Fargo collections dept stating they were demanding a payment to fix my negative accounts. I proceeded to state I could not pay because they had my funds on hold. They proceeded to respond there was no hold on my check and that i should call Wells Fargo customer service. At this point I am worried my funds wont be available and it will further affect not only my financial situation which is tough at the moment but also my credit. This is now going against my credit and its absurd how a bank Ive banked with for several years, since XXXX can hold a check that has been in fact been sent previously as a direct deposit for the past 2 years plus with out any issues ever arising. I am in a financial bind and afraid they will continue to hold any other checks I will receive as direct deposit. Please help me get this resolved as I feel this is unfair.
Consumer complaint received 2019-11-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NC)

My husband and I purchased our home XXXX with XXXX XXXX XXXX with a 30 year mortgage. 
We refinanced out home in XXXX with XXXX XXXX with a 15 year mortgage ( 180 months ). 
It was then sold or transferred to Option One Mortgage Co. in XXXX ( showing a 30 year mortgage? How can his be? We never signed off on loan in the amount of {$100000.00} and in looking at the HUD its shows that they paid a company the amount of {$270.00}. No way would we have refinanced for this amount.THIS is where the problem started.The loan # XXXX It was the sold or transferred to Ocwen XXXX account # XXXX, this company name changed to Homeward Residential Account # XXXX. 
The next company was sold to XXXX XX/XX/XXXX ( now XXXX XXXX as of XX/XX/XXXX, the account # with XXXX was XXXX. 
This was a constant flip flop.I see individuals account go into a bucket and companies just grab. Well with all of this I decided to refi with XXXX XXXX Account # XXXX XX/XX/XXXX. By now You know what happened? Oh yes it is now back with XXXX as of XX/XX/XXXX Account # XXXX. 
The next question you are asking is what have we been doing to straightened this out? 
We have been with 4 Attorneys to no avail. The most resent Attorney says the unable to verify whether our signatures were duplicated and referred me to you. So I guess this is the last result.I have sent letters to all involved. No response from XXXX.The ones received are attatched.
Consumer complaint received 2018-01-02
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. (GA)

I am disputing the following account with DEPT ED/XXXX account number XXXX this account was paid in full some how the update did not take place with XXXX XXXX XXXX this account is reporting 180 day past due which is incorrect I am requesting this account be updated by removing this information from reporting I am in the process of buying a home this incorrect reporting is affecting my credit score
Consumer complaint received 2021-09-11
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: Credence Resource Management, LLC (TX)

I do not know these account. These are hard to understand why they are appearing in my credit file without any identification and has a lot of missing information. I demand an investigation as to who is using my name and my information and using it to get services that will turn out in collections in the future.
Consumer complaint received 2023-01-19
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-09-15
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BBVA FINANCIAL CORPORATION (TX)

I received an advance payment of {$5000.00} from my flood insurance carrier-Allstate. It was made out to me, XXXX Bank, and Compass bank. My primary mortgage is with XXXX bank and I have a equity line of credit with Compass ( that has a XXXX balance ). XXXX endorsed the check immediately-no problem. Compass Bank, however, refuses to endorse it unless they receive a copy of the insurance adjuster report and an estimate from a contractor. I explained the {$5000.00} advance is to help with immediate needs and to help me get started on the rebuilding process. This explanation fell on deaf ears. They cited their policy and have refused to endorse the check. As of this writing I 've had the check in hand for over a week. At this point it is a worthless piece of paper. I 'm grateful I do n't need the funds immediately but others in this same situation are desperate for money. We, flood victims, are being victimized all over again.
Consumer complaint received 2020-11-24
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

Someone used my identity to purchase a vehicle from capital one as well as a credit card. When I found out, I disputed the charges and the accounts. The credit card has since then been removed but the auto loan has popped back up on two bureaus ; XXXX  and XXXX. This account is not mine.
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: EQUIFAX, INC. (NY)

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 Equifax. I have been turned down for a credit due to mis-reporting 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 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor XXXX XXXX XXXX
Consumer complaint received 2019-11-10
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: SYNCHRONY FINANCIAL (MA)

This account has a lot of inaccuracies, the date of last payment is missing in XXXX and XXXX. Please delete this inaccurate report.
Consumer complaint received 2021-09-11
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MD)

Please help. I have always paid my bills including my mortgage, car loans, and credit cards as agreed and on time. I stay within my monthly budget. I have a good stable job with the federal government. 
My complaint is about Experian 's credit score and monitoring system is in need of a major overhaul! The system is punitive and disproptionatly calculates a consumer 's credit score that results in a negative score. Thank you.
Consumer complaint received 2020-11-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

In 2015, I paid this debt off via bankruptcy court. I completed a payment plan. Years later, I forgot I paid it off and found the court documents last year. I started paying again so they actually owe me money. The last company I was paying is XXXX XXXX XXXX XXXX. There are various account numbers.
Consumer complaint received 2020-09-16
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. (IL)

Equifax is reporting a fraudulent XXXX business credit card, XXXX XXXX collection account that is result of identity theft, XXXX inquiry and addresses that does not belong to me. This incorrect information is effecting my credit score which could have an impact of my employment ; I am an accountant and it is required of me to maintain a good credit report at my job.
Consumer complaint received 2019-11-10
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (TX)

In XXXX I had a medical crises that required extended hospitalization and resulted in me moving in with relatives to be properly cared for during my rehabilitation. My student loan in XXXX were under a deferment. During hospitalization and after, my mail was was returned to the Department of Education. I was not aware that my loans had defaulted and not able to exercise my right to an oral hearing or a delay of garnishment because I did not receive the mail. I petitioned the Department of education to stay the garnishment and grant an oral hearing through their agency XXXX. I requested oral hearing to explain my circumstances and request hardship on XX/XX/XXXX and on XX/XX/XXXX. I sent all request via certified mail and both mailed and uploaded documents directly. The Department of Education has refused to grant my right to an oral hearing even though they know for a fact my mail was returned. I have explained that the Garnishment leaves unable to meet basic expenses or pay for the critical medical care I require. As recently as XX/XX/XXXX they refused my right to an oral hearing so that I may explain my hardship, and the circumstances that led to this action. I would like an opportunity to explain my plan going forward for repayment of my student loan debt. 

I, XXXX XXXX, am writing to request that the Department of Education review my request for a hardship reprieve from the Departments garnishment of my student loans. As, I've requested in the previous two garnishment hearings I am requesting an oral Hearing on this matter. I have not been allowed an oral hearing despite repeated request This garnishment poses a significant hardship for me. I am a single Mother of XXXX and am managing a chronic illness while employed full-time. The crushing stress and constraints brought on by the garnishment make it extremely hard for me to afford to take care of my children and afford medical care. 

I have supplied the Department of Education with my expenses previously. My expense have change and the garnishment is a severe hardship.
Consumer complaint received 2021-02-25
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. (MD)

My name is XXXX XXXX, I am submitting this complaint for myself and there is no third party involved. I reviewed my credit report and there are inaccurate accounts showing on my credit report. I am requesting that these accounts be removed. I have attached a list of the accounts I saw that is not accurate. I am a victim of identify theft. I am also submitting a copy of my ID.
Consumer complaint received 2019-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: First Advantage LNS Inc. (UNITED STATES MINOR OUTLYING ISLANDS)

I checked my credit score and it was down, so i logged into my XXXX  account. There was a pull on my credit from a company named resident data financial llc out of XXXX texas. The address on XXXX was XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. I have attempted to call and contact online but they have no website and the phone number isnt valid
Consumer complaint received 2019-11-10
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: SYNCHRONY FINANCIAL (MI)

I found a fraudulent account on XX/XX/XXXX, for Synchrony Bank Pay Pal Credit. I notified them by phone on XX/XX/XXXX but they wouldn't make a claim because I wouldn't give them my whole Social Security number just the last 4 digits. I emailed them, sent them a hard copy letter demanding they remove the account with verification of my identity, a copy of my FTC.gov identity theft report, and police report number. I mailed the packet via tracked mail priority mail requesting they remove the false report within four days. I sent the same packet and a letter to each credit reporting bureau, and placed a freeze with all three credit bureaus. I started disputes with each credit bureau, and my packets were delivered on XX/XX/XXXX. I received a notice on my XXXX  credit monitoring that XXXX   dropped my credit score by 33 points on XX/XX/XXXX. I provided them with proof of my identity, proof of a fraudulent address used for the fraud account. Allegedly the fraud account was opened in XXXX, a delinquent charge off was made sometime in XXXX of XXXX, but there was never any report of this account by Synchrony until XXXX of XXXX. The account was never on my earlier credit reports. I have credit monitoring and monitor my credit all of the time. I am a XXXX   employee and have to maintain good credit. This could negatively impact my job. Synchrony has not responded at all, and I have two other Synchrony accounts in excellent standing. The credit bureaus are no help, and ignored the driver 's license I sent to verify my identity along with all the other documents I sent. This is a scam against consumers and synchrony as well as the credit bureaus should be held accountable for their actions.
Consumer complaint received 2021-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

Well for years while I was younger my old brothers and sister use my information without me being old enough to give my permission or to know whats going on at the time I file my taxes now with an XXXX due to this problem
Consumer complaint received 2019-11-10
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: AMERICAN EXPRESS COMPANY (MA)

This account has a lot of inaccuracies, the date of last payment is missing in XXXX and XXXX. Please delete this inaccurate report.
Consumer complaint received 2019-11-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Weber & Olcese, PLC (MI)

Received in a envelope XXXX from XXXX XXXX  in XXXX, Ohio. Two pieces of paper for a Request and and Written for Garnishment that was enclosed in this envelope.. They have filed through State of Michigan Judicial Circuit - XXXX District. I have never banked with this company so I was utterly shocked. It was filed by XXXX XXXX XXXX, XXXX c/o Weber & Olcese, P.L.C. in XXXX Michigan. I have no idea what this is about. There is no information what this collection of debt is original from. This is a 3rd party that bought a old debt. This is a old debt through a credit card that was charged off and is way past the Statue of Limitation. There is no information of who the original debt was from or what year. I have received letters from this Company, stating I owe money but does not state who/what this is for. If this is a old bill, I know for a fact this is over Statue of Limitation for this bill but unsure what is all about, as they don't state why I owe this or who the original bill is from. What is the original date for this and who is the original debt that I am suppose to owe.
Consumer complaint received 2021-11-29
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. (LA)

I am added on a credit card with XXXX XXXX as an Authorized User I have no idea who the card belongs to or who this person is. Ive been trying to get XXXX XXXX to remove me from this card and this account from my credit report for over a year now. The only information I have for the account is Account number XXXX. Thats it. 


Please remove this account from my credit reports as I do not know this person, I do not know how they have access to my personal information and I do not know how a card was issued and I was added to this account without my consent.
Consumer complaint received 2021-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NJ)

The company deleted credit reporting my active account from all credit reporting agencies after six years of good payment history and an account in good standing causing my credit score to drop by 100 points causing a low credit score This loan is still active and not within seven years statue to delete hence this account have been over paid I feel by {$10000.00} this why I feel the company violated FCRA to hind the overpayment on the account Additionally I am owed the title for this Vehicle which has been overpaid