davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I sent an email to equifax that the car loan with XXXX was paid in full and should not be showing an open balance. I got the run around that I had to send another request to someone else. I think that is hog wash. The ball is still in their ball park. They should have taken the initiative to forward that email to the correct person. They are the ones who have it wrong. I should not have to go through a song and dance with 20 different people. I think these so called credit bureaus have too much power over information that should be more readily available. The account has not been updated since XXXX of 2017 when the account was paid in full. I am trying to get my credit score repaired so I can get a reliable car.
Consumer complaint received 2017-01-17
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE (TX)

XX/XX/XXXX@XXXX. My old Western Union account was compromised. I had n't used this account since XX/XX/XXXX. Someone stole my information and made several money transfers to XXXX, XXXX XXXX. I spoke to XXXX at Western Union and told her I never made these transactions and she told me not to worry about it, it 's just a spoof. I demanded to be transferred to a supervisor. XXXX ( employee number XXXX ) told me my account had indeed been hacked and my information and my son 's information was used. My name, address, social security number, telephone number, my credit card number, my son 's name XXXX XXXX and his old telephone number XXXX XXXX. Per XXXX, XXXX XXXX used a passport to pick up the money and he has a credit card in my name and transferred money. XXXX would n't send me a fraud email because it 's against Western 's Policy. He provided me with a fraud number. I 'm displeased with Western Union for the simple fact they downplayed their hacking issue. XXXX told me only my Western Union account had been hacked and he would suspend the account. Since then, someone has created XXXX accounts and charged services in my name. All my information has been compromised and people are charging items, applying for credit cards, and sending money/transferring money. This is fraud. I did n't authorize the use of my information, my son 's information, or any transactions.
Consumer complaint received 2021-07-07
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 — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL (NY)

As per FTC and FCRA implementation : Disputes to Furnishers You must investigate a consumers dispute if it relates to : the consumers liability for a credit account or other debt with you. For example, disputes relating to whether there is or has been identity theft or fraud against the consumer, whether there is individual or joint liability on an account, or whether the consumer is an authorized user of a credit account ; the terms of a credit account or other debt with you. For example, disputes relating to the type of account, principal balance, scheduled payment amount on an account, or the amount of the credit limit on an open-end account ; the consumer 's performance or other conduct concerning an account or other relationship with you. For example, disputes relating to the current payment status, high balance, date a payment was made, amount of a payment made, or date an account was opened or closed ; or any other information in a consumer report about an account or relationship with you that affects the consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or lifestyle. Furnisher Rule 660.4 ( a ) You must : conduct a reasonable investigation review all relevant information provided by the consumer report results to the consumer, generally within 30 days notify each CRA to which you provided inaccurate information if the investigation finds the information was inaccurate. Furnisher Rule 660.4 ( e ) I have never received the results of investigation.
Consumer complaint received 2017-11-28
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 (NJ)

One XX/XX/XXXX XXXX XXXX of XXXX XXXX XXXX XXXX charged my card with out any authorization from any part. He did not obtain a signature from anyone authorizing the transaction or any written consent to do so. A dispute was filed for services not provided and fraud in XX/XX/XXXX and now again in XX/XX/XXXX for fraud again. The banks the processed the transactions XXXX XXXX, Capital One, and Capital One 360. Did not due there due diligence in investigating the claim. The never made a followup to allow me to address his false position and defend myself against XXXX XXXX defaming letter ( s ). They never even made any attempt to verify if the charges were indeed authorized which they were not. There is not any correspondence or signature to authorize the claim. In one letter to XXXX XXXX the letter state the charge was " Called In '' and the receipt shows it was swiped. 

These banks failed to protect me as a consumer and this attorney has indeed committed fraud. 

I pray for you assistance in this matter. 

Respectfully, XXXX XXXX XXXX
Consumer complaint received 2022-12-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

On XX/XX/2022 I have been reaching out to Equifax in regards to incorrect information reported on my credit report. I have been requesting information from them and still haven't received any reply. This has been an on going issue and I would like it to be solved
Consumer complaint received 2022-03-31
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NVR INC. (VA)

XX/XX/2022 I locked in a rate XXXX with NVR had my loan estimate signed and completed. my loan officers plan was to use part of my down-payment to pay off my lease to keep me under 50 % debt to income ratio. XXXX I get contacted my the loan officer with an issue with his plan. The paying off the lease would not change my debt to income ratio. so eventual he got back to me saying they would get me to 2.75 % and that would work. I said ok. The lender then sent me a revised loan estimate on XX/XX/XXXX which supposedly brought my mortgage down. cost of home is XXXX, loan amount is for XXXX closing cost total XXXX, down-payment XXXX, already paid XXXX, seller credit XXXX and total owed at closing XXXX so today I recieved my closing disclosure total cost/loan amount I'd the same down payment total is XXXX less, seller credit is now XXXX. total due at closing now is XXXX the lenders excuse to why they were different were because he was playing with the numbers to get me where I needed and just said the XXXX was an error. but him and I had a conversation on the phone when I received the loan estimate and asked if this was the correct amount I will be paying at closing he stated yes. never did he say this was just him playing with the numbers. I never recieved another loan estimate after the one on the XXXX with any changes that he claimed he was playing with. now less than a week before closing I get a closing disclosure XXXX more than the last loan estimate my original rate at XXXX was matched to XXXX  XXXX XXXX with just a fee of XXXX matching them. when they dropped my rate the amount went to XXXX but the XXXX seller credit squatched it. now there claiming that it was not XXXX on any of the other documents and I examined because the rate charge was only the XXXX we agreed on. NVR lender messed up causing the issue and the reason for the rate charge. that's what I assumed the XXXX was for. now they are tryi.g to get put of it and have me pay for their mistake. I told the lender these are all legal documents I signed the last loan estimate because it was exact to what I will be paying otherwise if he was just playing g with number I should have recie Ed an exact document with the correct information. not a completely different document 6 days before closing.
Consumer complaint received 2022-12-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XX/XX/2020
Consumer complaint received 2022-12-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XX/XX/2020
Consumer complaint received 2022-03-31
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. (CA)

My student loans are currently in deferment yet XXXX  is still reporting my payment status as late and it is severely affecting my score
Consumer complaint received 2021-07-07
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: AMERICAN HONDA FINANCE CORP (NJ)

I am a victim of identity theft. The accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I never received any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 

I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

You also do not have any permissible purpose to furnish my personal information to any third party. 
15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2022-03-31
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 (CA)

Major identity theft issues here in XXXX XXXX California USA USofNA pertaining to my personal legal/lawful identity that has always been and always will be lawfully/legally owned by myself personally that was originally established and originally created for myself legally/lawfully in real life and in my real life uncut and unedited original Federal documented films photos and audio as a real life Federal FBI CIA Agent and in my movies I never gave any lawful/legal permission to remake/duplicate at all.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to express my deep frustration and disappointment regarding the numerous unsuccessful attempts to correct late open accounts on my credit report. Despite multiple communications and efforts on my part to rectify this issue, it remains unresolved, causing significant distress and harm to my financial standing. This complaint serves as a formal notification of the ongoing problem and my expectation for a prompt and effective resolution. 

Over the past several months, I have made repeated attempts to address the presence of late open accounts on my credit report. Despite following the proper procedures outlined by Credit Bureaus and providing all required documentation, the late open accounts persist inaccurately. 

I have contacted your customer service department on several occasions, spending considerable time and effort to resolve this matter, yet to no avail. Each time, I am assured that the issue will be investigated and corrected promptly, but the inaccuracies persist, adversely affecting my creditworthiness and financial opportunities. 

The presence of these inaccurate late open accounts not only undermines my efforts to maintain a positive financial reputation but also erodes my confidence in the credit reporting system. As a responsible consumer, I expect accurate reporting of my credit history to reflect my financial behavior accurately. 

I demand immediate action to rectify this issue and ensure the accurate reporting of my credit history. Specifically, I request : The prompt removal of all late open accounts from my credit report. 
Written confirmation of the removal and updated credit reports reflecting the correction. 
Compensation for any damages incurred as a result of the inaccurate reporting, including but not limited to, adverse effects on my credit score and financial opportunities. 
Failure to address this matter promptly will leave me with no choice but to escalate this complaint to the appropriate regulatory authorities and pursue legal action to seek redress. 

I trust that you understand the urgency and seriousness of this matter and that you will take immediate steps to resolve it satisfactorily. I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX Balance : {$170000.00} ; XXXX XXXX Balance : {$35000.00} ; XXXX XXXX Balance : {$550.00} ; XXXX XXXX XXXX XXXX Balance : {$380.00}.
Consumer complaint received 2017-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (AK)

When paying for online services for some companies such as XXXX and XXXX you can only set up monthly recurring payments rather than pay for a year at a time. 
The timing of the charges is inconsistent and frequently is charged right before payroll direct deposits. 
When there arent available funds, Wells Fargo pays the company and then tacks on a {$35.00} over draft fee for transactions under {$10.00}. I have personally spent an hour or more in front of bank managers asking Wells Fargo to not decline authorization for these transactions when the account has insufficient funds. The Wells Fargo company policy specifically states that Wells Fargo reserves the discretionary right to decline these transactions. 
These arent critical services I dont want them authorized when there are insufficient funds. 
Not all vendors do this. If you attempt a recurring transaction on XXXX from XXXX and funds are insufficient the transaction is declined and service is suspended as it should be.
Consumer complaint received 2021-07-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd. (IL)

I received another letter from Harris & Harris, Ltd.dated XX/XX/2021. I requested them to provide me the information under the Fair Debt Collection Practices Act ( FDCPA ). I requested a VALIDATION made pursuant to 15 USC 1692g Sec 809 ( b ) of the FDCPA. They continue to ignore my request and instead they continue sending letters after letters for the same reason. I do not have any knowledge of this account. I am requesting for them to provide me with what I am asking. They need to provide me a validation of HIPAA with my signature on it. In addition, a contract with my signature on it. All my letters were sent certified letters with a returned receipt just to ensure they received my request. Certified number for the first letter is XXXX and the second letter is XXXX.
Consumer complaint received 2018-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NY)

I am writing today in hopes to obtain your help. Currently I am working on reviewing my credit, paying down my balances, and working toward better credit worthiness. You play an important role in this process. I am inquiring about the account number referenced in this complaint. I see you have reported me 30 days late to the credit bureaus ( XXXX, XXXX and XXXX  ) on XX/XX/2018 and I am writing to get this remark retracted. I had believe I had made all my payments on time, the only I could think of, is that my statement didn't get to me in time.
Consumer complaint received 2017-11-28
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: SLM CORPORATION (CA)

I had a savings account and investment account that was closed for no reason. The company gathered all my personal information. Took my small opening deposits, and closed my account. There was absolutely no valid reason to close my account. When speaking to repeesentative over the phone I was treated very poorly and unprofessional without any real answers.
Consumer complaint received 2021-09-11
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. (NY)

I contacted Equifax, XXXX, and XXXX XXXX several times about fraudulent activity on my account. I sent my XXXX drivers license and passport serveral times and can not get my reports.
Consumer complaint received 2017-11-23
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (OK)

I had a final balance of {$68.00} due to Conns in XX/XX/XXXX, unfortunately i was not able to make the final payment until XX/XX/XXXX. I logged into my account www.conns.com and clicked on " Pay your bill '' on XX/XX/XXXX and attempted to make a payment of {$68.00} plus the late payment bringing the final balance of {$72.00}. I got a message stating credit card payment declined. Do no honor. Please contact customer service to make a payment. 

I received two collection letters for XX/XX/XXXX and XX/XX/XXXX stating my balance is {$72.00} and that the benefits of paying conns is no more collections calls. The letter also stated I could make a payment at www.conns.com, the same website that will not honor my debit card. 

I am continually getting up to 20 calls a day on my phone to resolve this issue. I will not talk to any customer service and about my payment. I want to make my final payment of {$72.00} XXXX and not through customer service.
Consumer complaint received 2017-11-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (KS)

Carrington Mortgage assumed my loan from XXXX in XX/XX/XXXX this is the third company this year to have my mortgage. I was in the middle of a modification with XXXX XXXX XXXX when the mortgage was sold to XXXX. Then again began a modification with XXXX and the mortgage was sold to Carrington. I received a request to pay stubs for the previous thirty days from Carrington due by XX/XX/XXXX I had just started a permanent job also sending Carrington the offer letter received from my current employer. I began the job XX/XX/XXXX. I did send my previous pay stubs from a XXXX position which ended XX/XX/XXXX. I have received two checks from my current employer emailed everything to Carrington. I had only received on check by the time frame given and emailed directly. They have now cancelled the request because they did not receive the information when requested! How ridiculous. I was injured at work in XX/XX/XXXX had XXXX XXXX XX/XX/XXXX and was unable to work for several months and had not received work comp benefits for several months. There is a letter from my attorney stating this!
Consumer complaint received 2018-06-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (NJ)

The mortgage servicer SETERUS , Inc. isn't following the Mortgage servicing rules. 
I always make my payments on time. Please verify my records. 

According to my bank ( XXXX XXXX XXXX XXXX ), SETERUS, Inc. always cashes my checks between the XXXX  and XXXX day of each month. 

However, on XX/XX/2018 SETERUS sent an offer to reduce fees owed. The letter states that my account is in good standing but I owe {$1000.00} in unpaid late fees. 

I believe that SETERUS, Inc. is committing fraud because I have never been late with my payments. 

Enclosed is a copy of a letter received from SETERUS, Inc. that was sent to me. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-11-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NC)

Have been paying my Student Loan for the past 10 years ; XXXX XXXX was the Lender but they change to Navient and my Loan keeps going up instead of going down. I called them many times asking for how much interest I have to pay before payments go to principal and no one knows anything. Also I called today to ask why my monthly payments are going up without letting me know and they said that a 2 years payment arraingment have finished and I have to pay XXXX monthly. I said I ca n't pay that amount monthly and they offered me to pay XXXX monthly for a year and renuew payment plan every year to see if I still qualify for it and in 25 years will be forgiven my loan without counting this 10 years I '' ve been paying. This is too much, I need help! Thank You.