davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (KY)

In XX/XX/2019, I attempted to open a utility account with XXXX XXXX XXXX. They told me because of my credit report, I would have to pay a big down payment in order to receive utilities. I had a roommate so she opened the account in her name. They sent me a letter dated XX/XX/2019, which stated that I had a bad mark on there and a utility debt owed to XXXX XXXX. I called XXXX XXXX to see who and what they were. They told me that I had a debt of {$94.00} for services that I had received in XXXX XXXX Florida. I explained to them that I did not live in XXXX XXXX Florida and someone must have opened the account with my name. The people used my name and Social security number to open the utility account. They did not pay the remaining balance of the debt. Now it is on my credit report. XXXX XXXX told me that the perpetrators also used my information to open an account in XXXX XXXX Florida. The perpetrators were living at an address at the active account and XXXX XXXX said that they would immediately turn the energy off. XXXX also gave me information to report the identity theft. I started the process of reporting the identity theft. Due to the holidays and then Covid 19, I forgot about the process. I found the papers in my drawer and started the process again. I called Online Information Services and they told me unless they have the police report, they can not remove the account from my credit report. I called the XXXX Kentucky Police Department and they told me to call the XXXX XXXX Police Department to make the report. XXXX XXXX told me that I needed to call the XXXX Police Department to file the report. I then asked to speak to the police chief at the XXXX Police Department. The chief department told me I needed to call the FBI to file the report. I went online and sent a report and I have not heard anything back since. I have XXXX XXXX and do not have the energy to continue this process. I called the online information services and they told me that until I get a report from the police department I would not be able to get this written off. How do I proceed from here.? No one is helping me file a report. Can your service help me to get a police report so that I can file this and get this taken off of my credit report. This is the only negative report that I have on my credit.
Consumer complaint received 2020-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX   XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2021-09-15
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. (VA)

XXXX XXXX XXXX XXXX- This account is not mine. They have been billing me and I made payments because I do not want to mess up my credit. I have called them numerous times to demand validation of the said account and get the account closed but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I have requested multiple times for verification of the said account which is reporting on my credit. The creditor has refused to provide any information. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation as this inaccurate account is being reported in my credit records and is hurting my financial stability.
Consumer complaint received 2021-03-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Love, Beal & Nixon, P.C. (OK)

The original creditor is XXXX XXXX XXXX, and the credit card was closed by the creditor due to fraudulent/suspicious activity. I reached out to the original creditor to go over my credit card account. However, the customer service representative who was based out of XXXX wanted me to send him copies of my checking account bank statement. I told him that I did not feel comfortable sending him copies of my bank statements, so the customer care representative based out of XXXX would not help. I disputed the original creditor on all three of my credit bureaus, and the account was removed from all three credit bureaus. This issue took place back in the Fall of 2019.
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (OH)

Several calls were placed to XXXX, Equifax, and XXXX Consumer Solutions reporting agencies on XXXX XXXX and XXXX XXXX to inform them that these names addresses phone numbers and employers are inaccurate which have been reported without my consent nor to my knowledge.
Consumer complaint received 2021-03-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (DC)

Requested a loan modification 3 times working with a community organization. The note holder also paid HOA fees in the amount of {$13000.00} and demanding unreasonable repayment options. The note holder also refuses to reduce the interest rate of 6.50 %. 
This company I believe is trying to make it almost impossible to stay in my property I purchased in 2004.
Consumer complaint received 2023-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC. (OR)

Someone has put my information out to home loan applicant XXXX XXXX mortgage company as well as Equifax mortgage trying to pass off as me wanting a loan from them. They ran a credit check on me which impacted my credit score. All this was unauthorized by me. This credit check was made XX/XX/2023. I have already made a report to the local sheriff 's office as well as trying to contact XXXX XXXX and Equifax mortgage solutions. When called I only got the recorded line and have yet to receive a call back. I called XX/XX/2023.
Consumer complaint received 2024-01-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC (CA)

I received a call from 'Wakefield & Associates XXXX, phone number : XXXX The message stated I had an outstanding balance with my local hospital. I have them no information, and upon contact with my local hospital, I had no outstanding balance. 

This is obviously a scam of some kind. 

XXXX XXXX XXXX
Consumer complaint received 2021-07-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NV)

I HAVE DISPUTED THIS CREDITOR AND INQUIRIES THROUGH EQUIFAX. I SENT IN ALL PROPER DOCUMENTATION AND THEY ARE REFUSING TO REMOVE THESE ITEMS FROM MY CREDIT REPORT. I AM ALSO A VICTIM OF INDENTITY THEFT. I FIRST DISPUTED THE ITEM OF {$3900.00} AND INQUIRIES IN XX/XX/2021 AND AGAIN XX/XX/2021. MY DISPUTE WASNT OPENED AND I SENT IN DOCUMENTS.
Consumer complaint received 2020-10-22
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: Sequium Asset Solutions, LLC (TN)

Report submitted by Sequium Asset Solution on behalf of XXXX XXXX about collection of a delinquent account that is not mine. Report submitted to both XXXX  and XXXX. 
No one contacted me about the 'debt ' before the report appeared. 
I have resided in my current residence since XXXX, bought and paid for. 
I have not lived in XXXX XXXX since the mid XXXX. 
The property noted was not built until XXXX.
Consumer complaint received 2020-10-22
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. (FL)

Greetings ; I sent 5 rounds of letters to the credit bureaus such as XXXX, TransUnion and XXXX  but they dont ' investigate about my problem beacuse I have not recieve any letters of them.
Consumer complaint received 2021-04-26
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2021, XXXX XXXX in Colorado requested XXXX and XXXX Bank Statements from my son, XXXX XXXX, for a current home loan transaction. Upon receipt of the statements, the lender rep ( XXXX XXXX ) contacted XXXX regarding the " Undisclosed Account funds ''. XXXX contacted me immediately and we found that Chase ( in error ) had attached XXXX as an authorized user on MY Premiere Savings Account. This is my most private and sensitive account. XXXX was NEVER authorized to be on this account and now MY most sensitive account information is attached to XXXX XXXX Bank Statements going back months and years. 
I went into my local Chase branch to get the error corrected. After 45 minutes with the branch manager, I was told that they fix it going forward but couldn't fix it the history at their level and the issue was routed through Chase Internal Customer Service. I was contacted approximately 10 days later and told " to reference page 18 of my Deposit Agreement ''. My Agreement talks about CD 's and Retirement CD 's on page 18. Nothing about Chase attaching Unauthorized Users. I was also advised that I was " at the top of the complaint department and anything further would need to come from an external representation. '' I contacted XXXX XXXX Consumer help and was given email for the Chase CEO of Consumer Accounts. Her office sent my request back to the Internal Complaint department and 10 days later I was told again to refer to page 18 of the deposit agreement and that they wouldn't change the error history. My information will remain exposed to unauthorized users forever because it is against Chase 's policy to correct the historical statements. Even if they are in error.
Consumer complaint received 2018-09-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIZENS FINANCIAL GROUP, INC. (UT)

In XXXX of 2017, I purchased an XXXX through XXXX, who uses Citizen 's One as their third party partner handling loans for the devices. I was not aware that I would be paying to Citizens One every month, but rather thought it would be XXXX directly. I believe that I got a new credit card and it never got updated with Citizen 's One. My monthly payment to finance my phone has not gone through since XXXX of 2017 and now my account with Citizens One has gone to their collections department. I only found out this information because I called XXXX in hopes to upgrade my phone this year and they told me I have a balance through Citizens One still. I have not received any form of communication from Citizens One. They have not called, emailed, mailed, etc. any notification or bills to me. However, when I talk to them on the phone, they tell me that I owe the full amount of the phone which is around {$860.00}. I asked them if they could please send me an email verifying how much I owe on the loan and they told me they can not email me at all. Their recovery department has told me that they don't report these loans to the credit bureaus and that that is why they can not reach out to me in any form. However, their billing department told me it could effect my credit and to just make sure to pay off the loan, yet they don't know any deadlines or logistics of when and what I have to pay. If I mail in a payment, I have been told that I will not receive any confirmation for my payment. If I pay over the phone, they say that I will receive an email confirmation, however, I'm not sure I trust them. At this point, I am afraid to pay because I don't know if I will get the full confirmation that I feel I deserve. I would feel more comfortable if they could do things through writing rather than all verbally. However, they have made it clear that everything must be verbal. There is no access online because my account has moved to their recovery department and I no longer have access to my account online. My biggest concern is that this account does not affect my credit negatively.
Consumer complaint received 2020-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL (CA)

On XXXX I notice something funny in my bank account usually my payment was supposed to be XXXX a month threw XXXX XXXX  on XXXX XXXX  in XXXX calif. My payment was going smoothly when all of a sudden I saw synchrony bank went into my bank account and started to take XXXX then XXXX then XXXX then XXXX I called my bank and got them on the phone and told them I will pay them but to not go and take out what you feel like taking I did not give you permission so my bank reported fraud I had my debit card in my possession. On XXXX XXXX I was under stress synchrony bank they keep calling me every day when on XXXX I told them I will pay them what happened I got so stressed out On XXXX I blank out 1 minute from the store my purse got stollen I made a police report the police helped me all of my money was gone on XXXX I got my purse in the mail the XXXX police found it I was in tears but happy tears not only this happened the XXXX  got to me helping my XXXX mom I did not need these creditors to call me harassing me I told them what happened but they still called me and harrased me on my phone I told them quiet nothing me I am waiting for my new debit cards to come in it takes 5 to 10 days. I can not pay now all of my money is gone. But I told them on XX/XX/XXXX I will give them something. What I am here today on credit wise I keep getting alerts that the synchrony bank keep taking my points every day I was up at XXXX points all of a sudden When my purse got stollen with all of my money I am down to XXXX points this is a big jump thats fraud they can not keep taking my points away If I dont have my money I keep telling them my purse got stollen. I made payment arrangements and they still called me and harassed me 2 yrs ago I lost my father taking care of a XXXX mother the best way I can I havent greaf over my father passing I am having it hard I am stressed out where my bank help me and the police dept I want to make a fraud report they dont have the rights to take what ever money in my bank my contract says I only pay XXXX a month sometimes I pay XXXX a month
Consumer complaint received 2019-11-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Happy Money, Inc. (DE)

On XX/XX/2019 I authorized an online payment from my checking account. I noticed it had not come out. I called them. forwarded them the confirmation email that I received. they then took 2 weeks to figure it out while calling me saying I was late. They finally took it out on XX/XX/XXXX and did not effective date it for XX/XX/19 when I originally made the payment and provided such proof for. 
For XX/XX/2019, I called and advised them I needed to make a payment from a different checking account due to a XXXX  XXXX issue and a protective order. they took the month from the account I specifically asked them not to touch ever again. I asked 4 times if he was sure it was coming from my XXXX XXXX XXXX XXXX account. he responded yes. I called back and had to wait for my ex to be refunded and then be able to make a payment from my account. This is a huge hassle because we are unable to speak to each other. I called last week and advised them he was threatening to have me arrested for something that is none of my fault. Via a mediator I was able to calm him down and reassure his money will be refunded. Payoff stated it was a back office  issue. 
Low and behold, they call me yesterday and set up a payment for today and I ask several times if it is coming from the XXXX to avoid another issue. Well, its pending today from my ex 's account. And the police are on their way here. 

This is ridiculous. This could ruin my XX/XX/XXXX year career as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Why is this continuing to happen?
Consumer complaint received 2019-11-01
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Didn't receive terms that were advertised
Company: SLM CORPORATION (DC)

We applied to Sallie Mae for a 1-year CD with an advertised rate of 2.35 % on Monday XX/XX/2019 and initiated the process to fund the CD with funds that were available in our main savings account. We provided our personal financial information, bank account information and accurately responded to security verification questions at that time. And then we heard nothing from Sallie Mae - not an email, phone call or acknowledgment of any kind. We weren't given the opportunity to set up an account, a confirmation number or a way to check on the status of the application. Four business days later - on the evening of XXXX XXXX - we received an email from " XXXX '' requesting additional documents that should have been requested at the time of application. We contacted Sallie Mae twice by phone with time-sucking attempts to understand the status of the application. A lengthy XXXX XXXX phone call earlier in the day had revealed the application hadn't been processed after sitting with Sallie Mae for four business days. We during that call were unable to learn when the application might be processed or get information on why the application was delayed. The Sallie Mae representative said she had no way to send confirmation or other details about the application to us electronically. We on XXXX XXXX canceled the application by email. In our opinion, Sallie Mae is falsely advertising returns that are higher than competitors, gaining access personal financial information in the process, and then suspiciously not following through. We on XXXX XXXX turned to an online competitor and opened an account and CD in 15 minutes, with funding confirmed the next business day. Why Sallie Mae didn't do that, with advertising to open an online account at an attractive rate, is a mystery.
Consumer complaint received 2020-11-22
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: EQUIFAX, INC. (PA)

The first inquiry in question was apparently made by XXXX XXXX XXXX XXXX  on XX/XX/2020 and I have no recollection of doing any business with XXXX XXXX XXXX XXXX. 

The second inquiry was made by XXXX XXXX on XX/XX/2020 and I have no recollection of doing any business with XXXX XXXX. 

The third inquiry was made by XXXX XXXX XXXXXXXX on XX/XX/2020 and I have no accounts with XXXX XXXX.

Two inquiries were made by XXXX  on AXX/XX/2020 and XXXX XXXX. I have no accounts with XXXX. 

Another two inquiries were made by XXXX XXXX on XX/XX/2020 and XX/XX/2020. I have no primary accounts with XXXX XXXX
Consumer complaint received 2023-01-20
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. (FL)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX 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 2021-09-15
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. (VA)

XXXX XXXX XXXX XXXX- This account is not mine. They have been billing me and I made payments because I do not want to mess up my credit. I have called them numerous times to demand validation of the said account and get the account closed but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I have requested multiple times for verification of the said account which is reporting on my credit. The creditor has refused to provide any information. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation as this inaccurate account is being reported in my credit records and is hurting my financial stability.