davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-06
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. (CA)

This is my 6th attempt to get this matter resolved but then again my request is still being ignored. I have a loan with the accounts below and I always made my payments on time. For some reason, I realized that there were 30 days past due from XXXX, XXXX and 60 days past due on XX/XX/20. I have read enough to understand my rights. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA.and is wilfully non-complying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payments from these accounts. Below are the accounts with erroneous information that I'd like to remedy ASAP. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-03
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. (FL)

I am writing because I do not recognize certain items on my credit report. The accounts are listed below. I have never done business with many of these companies, and dont understand how I would owe money or have anything that would appear on my credit report from them. However I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct.
Consumer complaint received 2018-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (MA)

On XX/XX/2018, I discovered a steep and sudden increase in the interest rate on ly business account, from an already outrageous 14.99 % to 18.99 % in one month. I have been a customer with American Express since XXXX who has always paid on time. I spoke with several representatives who called themselves " supervisors, '' XXXX, XXXX and finally XXXX XXXX who claimed that I paid on time, that I did nothing wrong, but after " reevaluating '' my account, this spike in interest was fine. XXXX would not allow me to speak to anyone in a position above hers to resolve the matter.
Consumer complaint received 2022-04-06
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. (CA)

This is my 6th attempt to get this matter resolved but then again my request is still being ignored. I have a loan with the accounts below and I always made my payments on time. For some reason, I realized that there were 30 days past due from XXXX, XXXX and 60 days past due on XX/XX/20. I have read enough to understand my rights. Experian is required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA.and is wilfully non-complying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payments from these accounts. Below are the accounts with erroneous information that I'd like to remedy ASAP. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-29
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. (CA)

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect a debt that is not mine.
Consumer complaint received 2021-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/21 my son was scammed on XXXX and deposited and wired money which was all fraudulent. He notified BOA soon thereafter and they open a fraud case and froze his account. Unfortunately my wife is co-signed on that account and they froze all of the accounts she is signed on a total of 9 including our personal account since XX/XX/21. We have called5-6 times waiting for this to resolve but they will not release our funds - milk, mortgage, car they have frozen XXXX dollors
Consumer complaint received 2019-02-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (AZ)

XXXX XXXX XXXX called my cell phone on XXXX and XX/XX/XXXX while I was at work. Did not identify themselves as debt collectors and attempted to get personal information. When I refused to provide them with the information, they threatened to keep calling me until I answered their questions. Then on XX/XX/XXXX I received a dunning notice from them. The notice was backdated to XXXX in an attempt to limit my time to respond and request for verification of debt.
Consumer complaint received 2018-09-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (GA)

I was hit by hurricane Irma in XX/XX/XXXX and never recovered and applied for a loan modification and sent in a complete package of 31 pages on XX/XX/XXXX before there was a sale date scheduled. As the review went on a sale date of XX/XX/XXXX was set. I was not worried because I had already submitted my documents and knew in the past Ocwen was very helpful in loss mitigation options. I was asked to send in more documents and sent in 13 pages on XX/XX/XXXX then they asked for more documents and I sent in 3 pages on XX/XX/XXXX.

All was still well because on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I was being assured that once that package is complete the sale will be placed on hold so they could review my package for workout options.

On XX/XX/XXXX at XXXX XXXX I went to the escalations department and they confirmed my packaged was deemed " complete '' I breathed a sign of relief.

On XX/XX/XXXX I call in and it's a whole different story, they claim I still need another document which was not asked for before and ignore the " complete package '' determination I had the day before.

On top of that they claim since I was less than 7 business days from a sale date they were not going to review me anymore?

I escalated it to the Ombudsman department who is trying to resolve it now especially since I was deemed to have a complete package on XX/XX/XXXX at XXXX XXXX and assured my multiple agents the days prior that the sale would be stopped once I reached that designation.
Consumer complaint received 2020-11-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: National Medical Administrators, Inc (CA)

I made a one time purchase with XXXX XXXX XXXX XXXX  ( company ) in XX/XX/2020, and now I am being harassed by a collections agency named " XXXX XXXX XXXX XXXX XXXX '' After my purchase of XXXX XXXX XXXX XXXX on XX/XX/2020, I called them and told them to cancel my subscription. I notified them that I did not open their product and would be sending back the product. They indicated that they would close out my account and would not be collecting any monies from me as a result of the unopened product being returned. They gave me the XXXX numbers to include on the package. I sent those packages back and they were delivered. 

On XX/XX/2020, XXXX, I called XXXX XXXX XXXX asking for verification that they closed my account. They mentioned that they could not close the account because I only sent one package and not two separate packages. I told them that I was never informed that the two products needed to be sent in individual packages. The represented from XXXX XXXX said, Oh, wow he forgot to tell you. Dont worry, if you pay {$18.00} today then I will close out your account? I informed her at that time that I knew that this was a scam. I asked her to transfer me to her Supervisor, because I would not be paying the {$18.00} nor providing her with any more credit card information. She stated that she would escalate my case to her Supervisor and that they would be calling me 24 hours later. 

On that same day XX/XX/2020 at XXXX, I called XXXX XXXX XXXX XXXX  again hoping to get a hold of another representative. The gentlemen explained to me that he could not close my account. I then received a cancellation email ( see Exhibit B ) at XXXX, right after we hung up from the original transaction I made on XX/XX/2020 at XXXX. 

I have formerly written National Administrators Inc. that they cease and desist all phone calls as they are harassing and incriminating in nature. They continue to call me and send me mail, asking to pay the balance of {$110.00}.
Consumer complaint received 2022-04-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Grain Technology, Inc. (MS)

Data from XXXX and XXXX Account Grain Technology Inc ( Grain Techno ) I dont recognize this account at all. This account is fraud. I have disputed this account 2 times through XXXX and XXXX. Both of companies said information is accurate but it is incorrect. I lost my wallet. I check my credit reports to see if there is any incorrect information recently. Then I dispute the incorrect information on the credit reports. I called XXXX and XXXX I spoke to the reps to file another dispute for a fraudulent account on my credit reports again. Please help me to get this issue resolved.
Consumer complaint received 2017-09-14
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MA)

I checked to see if I was part of the Equifax hacking leak on XX/XX/XXXX using the Equifax provided checking link. I received a mediocre response in that they said i " might be affected by the hacking ''. This is unacceptable it should be a yes or no response. Also, I asked a friend to check to see if they were effected by this incident using the same Equifax checking website and their response was identical on XX/XX/XXXX a few hours after I had check if I was involved. I believe this to be a fraudulent response from Equifax.
Consumer complaint received 2023-01-09
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. (CT)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2020-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (NV)

I returned a lease with XXXX, it specifically was an XXXX, and upon return I was misinformed the next steps. Furthermore, I did not receive any correspondence about approximately {$140.00} owed to close out the lease. XXXX locked out my online account and did not send information via mail, but submitting a report to the credit union. Specifically I owed {$140.00} of final payments, my auto-payment did not pick up the fee owed, but it was also reported that I owed more than {$21000.00} to the credit union. I was also told I signed documentation that I did not sign, not was able to be produced by  XXXX upon request. I My issue is that I was mis-informed, and never contacted before the submission to a collection agency. Furthermore, XXXX has not provided any documented proof for their credit report. I paid the amount owed immediately upon notification, which unfortunately was based on seeing my credit score go down rather  than being contacted by XXXX. 

XXXX has a history of not communicating to vendors and submitting a credit issue before following the terms of notifying and collecting additional payments. I was a customer of Acura/Honda and have never missed a payment before, but this has lowered my credit score by more than 200 points due to not only the late payment submission but  also the submission that I owed more than {$21000.00} instead of the $ XXXX that was owed.
Consumer complaint received 2021-07-20
Product: Credit card or prepaid card — Store credit 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: JPMORGAN CHASE & CO. (NY)

On XX/XX/21 an ordr from XXXX for {$59.00} was cancelled but the charges went thru to my chase card ending in XXXX. I called chase 2x- first time spoke to XXXX who said she would cancel my card and issue a new one- ut would not reverse charges. I then called again and asked for a supervisor- waited 27 minutes- no supervisor responded. I have attached the email from XXXX indicating i would not be billed for the $ XXXX and proof chase billed me for such.I have made a complaint to the Washington XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (GA)

Hello I recently I went to court and was ordered to pay XXXX XXXX XXXX XXXX {$320.00} for pro-rated rent. XX/XX/XXXX I have attached my proof to this complaint. The collection agency has put a crazy amount on all three credit bureau for XXXX. I do not owe this amount. I have already paid what I owed. I'm currently in the process of buying a home and this is impacting my process. I need the company to remove this collection from all three credit bureau 's. I need them to produce a lease with my signature for XX/XX/XXXX showing I owe this debt.
Consumer complaint received 2024-02-01
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: Experian Information Solutions Inc. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-29
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: DISCOVER BANK (NJ)

These accounts don't belong to me. Please remove them from all XXXX credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all XXXX credit reporting agencies. 

1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft DISCOVER FINANCIAL SER Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

14. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

15. Identity Theft XXXX Account Number : XXXX This is not mine. 

16. Identity Theft XXXX  Account Number : XXXX This is not mine. 

17. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

18. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

19. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

20. Identity Theft XXXX Account Number : XXXX This is not mine. 

21. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

22. Identity Theft XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

23. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

24. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

25. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

26. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

27. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

28. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

29. Identity Theft DISCOVER Date of inquiry : XX/XX/XXXX This is not mine. 

30. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

31. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

32. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

33. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

34. Identity Theft DISCOVERBA Date of inquiry : XX/XX/XXXX This is not mine.
Consumer complaint received 2020-03-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

Today XX/XX/2020 I received an alert that my XXXX XXXX/XXXX   bank credit card was reported as delinquent. This brought my credit score way down. The account is not delinquent. I tried submitting a dispute on XXXX  but unable to do so. This account should not be reporting as delinquent Ive also had many issues resolving a problem with this bank in the past.
Consumer complaint received 2023-01-09
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. (CA)

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (IL)

I am having problems with Wells Fargo who I've paid off the Home Equity Line of Credit, and they will not provide documentation for my lien release. I call every day, and each person does not help and are all very rude.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.