davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-07
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. (TN)

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX ( XXXX XXXX ) & XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : Proof of my identity for verification purposes. ( front of ID, and copy of information on vehicle. ) A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-03-29
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. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-13
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. (TX)

THIS NEGATIVE ACCOUNT APPEARS AS AN UNPAID CHARGE -OFF WITH AN OUTSTANDING BALANCE XXXX. THIS ACCOUNT 'S REPORTING OPEN DATE IS ON THE XX/XX/2014. PLEASE REMOVE THIS ACCOUNT IMMEDIATELY. IT IS REALLY AFFECTING ME A LOT.
Consumer complaint received 2023-03-29
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: Experian Information Solutions Inc. (FL)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2021-09-23
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 — Their investigation did not fix an error on your report
Company: Amsher Collection Services, Inc. (TN)

I reached out to AmSher Collection Services on XX/XX/2021 asking for VALIDATION of account XXXX XXXX. I was not sent any VALIDATION I was only sent a statement. This is not any VALIDATION the account belongs to me, I demand this account be removed from my credit profile immediately.
Consumer complaint received 2018-07-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LCO Financial Services, LLC (AZ)

I applied for this loan not knowing the interest rate of the loan, was never disclosed to me over the phone. My loan amount was for {$350.00}, so far I paid this company {$900.00} only to still have a balance. The interest rate is at 754.62 % which is over the legal limit allowed from Arizona. I was wondering why I still had a balance, so I had to sign up on the lenders website to look at my balance and was shocked to see the high interest rate. AZDFI no longer licenses payday lenders as of XX/XX/2010 and interest rates over 36 % is illegal as of XX/XX/2010. I have contacted the Arizona attorney general and learned that payday loans were prohibited in Arizona. A consumer complaint has been made.
Consumer complaint received 2020-01-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION (MA)

I, XXXX XXXX, believe that I am a victim of a predatory foreclosure scam that violates the Consumer Protections of RESPA and 12CFR1024.30-41. 

I received a loan modification from my previous mortgage servicer XXXX XXXX and can attach the Trial Period acceptance letter in XX/XX/XXXX. I began making the trial period payments in XXXX, XXXX and XXXX. 

What happened was I failed to call and accept the modification. I just paid the whole Trial Period of 3 months, expecting the trial modification would become final, only because the letter " only stated they would cancel if I did not pay ''. 

I figured I could skip the first sentence that said call us to accept. Their letter did not say and was not clear they would cancel, if I didn't call and accept. 

So, XXXX XXXX servicing corporation considered that a fail and transferred my mortgage to SN Servicing Corporation who I sent payments to starting from when they invoiced me from XXXX and XXXX. 

I made a request for information as per 12CFR1024.36 last week and the mortgage holder SN Servicing Corporation has not provided a written response to that information request in violation of 12CFR1024.36 ( c ). 

Further, SN Servicing Corporation failed to provide me with adequate written notice as per the requirements of 12CFR1024.39 ( b ) and thus should be prevented from proceeding with foreclosure at this immediate time. 

The last payment they returned was mailed back to me XX/XX/XXXX. As per the 45 day rule of section 12CFR1024.39 ( b ), SN Servicing Corporation should be prevented from proceeding to foreclosure until the earliest date of XX/XX/XXXX.
Consumer complaint received 2018-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/2018 There was a mobile deposit into my bank acct with wells Fargo. My bf was contacted by some random individual who states he was doing loans through the govt and he would be eligible for a loan once he gave bank info to prove his identity so be proceeded to fall for the scam and provided the info. The money was deposited he was instructed to follow through the next morning by pulling the deposited amount of {$1500.00} and to go do a XXXX to XXXX transaction, so he goes to XXXX pulls the money after trying to use the debit card for one transaction In the amount of XXXX ( I believe it was ) and once the card declines after trying to do the second transaction he is instructed to get the cash and get the balance in prepaid gift cards so of course he does so as he is promised a XXXX loan once the transaction is complete. Once I am made aware of the situation I contact the bank tell them to not allow any transactions so the rep closes the acct and proceeds approx a week or two later. Wells Fargo went into a totally different acct which was my childs account and withdrawls {$1500.00} to cover their loss of the funds after they allowed the check to process after I advised against it. The acct that they deposited into and took out of was not in my bf name either
Consumer complaint received 2020-09-07
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}, {$330.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

2. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$330.00} -This is not my account.
Consumer complaint received 2018-07-27
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. (MO)

My identity has been compromised, and the credit reporting agencies is not making it any better. I'm still dealing with the damage of losing my ID. I would really appreciate if the following inquiries were removed from my credit report. I have no knowledge of these inquires whatsoever. ( 1 ) XXXX XXXX - XX/XX/XXXX, ( 2 ) XXXX XXXX-XX/XX/XXXX, ( 3 ) XXXX- XX/XX/XXXX, ( 4 ) XXXX- XX/XX/XXXX, ( 5 ) XXXX XXXX XXXX -XX/XX/XXXX, and XXXX XXXX, XX/XX/XXXX
Consumer complaint received 2024-02-04
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. (PA)

I XXXX XXXX Currently have Fruad accounts and inquiries appearing on my credit report. 

1. XXXX XXXX XXXX {$1700.00} 2. XXXX XXXX XXXX {$2100.00} 3. XXXX XXXX XXXX {$1200.00} 4. XXXX XXXX XXXX {$820.00} Inquiries 1. XXXX XXXX XXXX XXXX XXXX 3 XXXX XXXX XXXX
Consumer complaint received 2021-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

This is not a duplicate complaint, please do not flag this as such. 

I am XXXX XXXX, and I alone, am submitting this complaint. 

I am not willing to be the middleman in this issue, as it is ultimately between you ( XXXX ( XXXX  ) ) as a Data Furnisher and the CRAs ( Equifax - today ). 

The request is to fix your data and in compliance with Metro2 data standards, so the record in your system - produces itself in a file then sent to a consumer profile/report correctly or delete it. 

Please let this complaint, reiterate the Do not Contact request previously supplied to you, except and as allowed through this portal, and then the laws that govern them. 

This complaint, nor the previous one - was never a request to validate any alleged debt. Instead, it is and was based on this Data Furnisher ( XXXX ) reporting inaccurate, incomplete and then misleading data intentionally - to CRA 's, and have failed to respond to the noted issues. 

The responsibility of a Data Furnisher, I am relying on is based on FCRA FDCPA and XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX & XXXX & XXXX & XXXX FICO Score Calculations are based on 5 elements of a Tradeline, or Tradelines existing in/on a consumers profile/report. I have attached the description from XXXX  as XXXX  FICO Ingredients, the source. FICO Scoring calculations, are not different for each CRA. 
Payment History Amount of Debt Length of Credit History Amount of New Credit Credit mix Understanding this by then sending data to a CRA, maliciously / intentionally / or ignorantly data, that should be known with forethought, validation and oversight / QA, as the result becomes almost unreasonable to me, and then industry, governance, legal and compliance expectations. It is not until missed payments, collections and the like occur does the data go so far south that one must question its intent. 

IT testing, when files are sent or built, are part of a typical SDLC where expected results are defined. XXXX is in acceptance of the demonstrative issues in this complaint, or any previous. 

I have attached a Document - with screen shots of the accounts and from Equifax. 

The DOFD/FACRA date, Pay History, Balance History ( or lack there of ), Available Credit ( on supposed Closed tradeline ), Debt To Credit Ration ( on a supposed Closed account - etc - are the complaints, and from a FDCPA - FCRA state with the Creditor/Data Furnisher and the the CRA 's. 


Please Fix the tradeline so that the data collected from your systems, is produced in a file that is Metro2 compliant, sent to a CRA, and then as a Debt collector - or delete it. 

The Data exchange between the OC and the CRA with due diligence, and or discovery can and will flush this out. SDLC in theory verifies the true expected results XXXX is saying is acceptable.
Consumer complaint received 2020-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (DC)

See attached documents. 
Equifax has erroneously prevented me from opening an account with XXXX. Equifax has an error on its side I need it to correct. I am unable to reach Equifax by phone or on-line, as explained in an attachment.
Consumer complaint received 2020-09-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC (TX)

collection company keeps harrassing me all hours of the day they have contacted me over 4 to 5 times a day I don't know complaint keeps calling me and harrassing me I have never ordered their product XXXX XXXX this is a fraudulent activity that was on my account under my name I want this removed immediately this company calls me non stop from multiple numbers even when I asked them to stop they continued this is illegal and their tactics.
Consumer complaint received 2020-11-22
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: EQUIFAX, INC. (GA)

I sent a letter to Equifax, XXXX and XXXX on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been over 60 days and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.
Consumer complaint received 2021-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF THE WEST (CA)

Banking fees charged to my account excessively. The more funds added to my account the more fees popped up. Opened account XX/XX/XXXX. No additional fees up to Mid XXXX. 

XXXX deposited {$13000.00} fees assessed were {$240.00} XXXX {$28000.00} fees assessed {$70.00} XXXX {$14000.00} fees assessed {$1000.00} As of today XX/XX/XXXX ... .My account is $ XXXX I have had to take out 3 loans and I am still unable to keep a positive balance. I have made disputes and requested my account be reviewed and I have only received {$700.00} returned to my account. Deposits are being made but I can no longer keep up with my growing negative balance. Please help!!
Consumer complaint received 2021-07-14
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: EQUIFAX, INC. (PA)

I sent multiple dispute letters for couple of months and still haven't received a response from the credit bureaus regarding this account : XXXX XXXX Account # : XXXX
Consumer complaint received 2020-09-07
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. (NY)

I sent a complaint to the CFPB for Transunion, I would like to know how is it that a fraudulent account can be verified as accurate, I am stating that i am a victim of identity theft
Consumer complaint received 2017-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Purchased airfare thru XXXX on XXXX XXXX, XXXX. Tried to cancel tickets XXXX XXXX, but was told I had to pay {$1900.00} upfront to cancel. Capital One ( Credit Card ) told me not to pay, they would dispute amount. Have been disputing since then, and have been rebilled the original amount plus {$600.00}. During this dispute process, Capital one has reported me as late on my credit reports, has frozen my account and told me to seek legal council. They can no longer help me unless I pay them what is owed!
Consumer complaint received 2020-09-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (NC)

XXXXSynchrony bank offered me a promotional purchase ; Instead paying {$240.00} ; If I paid the {$210.00} by XX/XX/XXXX, XXXX my Credit Card balance would be paid in full. I paid the {$210.00} on XX/XX/XXXX paying my XX/XX/XXXX bill early. The company did not honor the promotional offer. Following month XXXX a bill was sent me a I spoke with customer service representative whom refuse to allow me to speak to a supervisor, she claimed her supervisor was just going to tell me the same thing. I did leave a message went though the companys dispute process. I ask to have a extended period pay until I spoke with a supervisor the customer service representative refused and told me she was add a {$36.00} late fee to the {$26.00} bill, I closed account my XX/XX/XXXX because of a fraudulent balance of {$62.00} & a disrespectful lying customer service representative. I had never been late with a payment to Synchrony/Care credit. They reported to the credit bureaus a fraudulent balance of {$65.00} as well as other false payment history for XXXX & XXXX
Consumer complaint received 2017-12-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

I have been dealing with Ocwen sinceXX/XX/XXXX regarding being behind on my mortgage and was never offered a repayment plan in this process. I can apply for a Hardship with my 401K Plan but need a Demand Letter or Notice with specific language as how many days or months the loan is in default, the amount I need to pay in order to avoid foreclosure proceeding and a future date in order to bring the account current. I have been corresponding the past month with XXXX, an Escalation Manager at XXXX, ext. XXXX. We spoke on XX/XX/XXXX and I stated to her that I would fax over the 401K Guidelines. I faxed over the document on Wednesday, XX/XX/XXXX in order for me to be approved for the Hardship ( I was previously denied in XX/XX/XXXX ). I was off from work for two days due to my mother pre-op appointments. I spoke with XXXX to discuss the faxed information in regard to her submitting the information for me to receive a letter and an updated Reinstatement Quote. To date, I only received a Response Letter and a Reinstatement Quote which shows different amounts that I owe. I can not submit that because the money amounts do not match. I called on Tuesday, XX/XX/XXXX and requested the same Notice or Demand Letter with the specific language. I was told that the request would be put in. Why? This should have already been put in the system. I then called on XX/XX/XXXX for an account update and spoke to a Customer Service Rep. and requested to speak to an Escalation Manager. He listened to my request of what I needed from XXXX and he noted this in the account as he stated. This is why Ocwen was sued because of mishandling of accounts. My Servicer was changed but Ocwen still services the loan?
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (KY)

The Installment Loan from XXXX was Paid Off on XX/XX/XXXX. I closed my account shortly after. 

My credit report has yet to be updated to reflect correct balance / account closure. 

When contacting XXXX  customer support, my problem was not resolved. 

When disputing with Experian, the investigation led to XXXX refusing to properly update the credit report.