davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-22
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: Experian Information Solutions Inc. (FL)

I have inquiries that I did not permit and they have not replied to my request for an investigation. 




By not replying in a timely manner to my initial letter on XX/XX/2020 you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communication with you for the purpose of filling a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. 
Failure on your behalf to provide a copy of my alleged contract or other instrument bearing my signature may result in small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623- b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My Contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organization below : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Consumer complaint received 2020-10-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital one auto finance Has denied request to move payments to end of the loan due I have been out of work due to Covid and waiting on unemployment since XXXX saying that I have to pay even with representatives calling at XXXX and XXXX at night
Consumer complaint received 2020-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (MD)

on XX/XX/2020, I deposited a check into my checking account, due to a miscoding error made by my bank none of the checks in my checking account cleared and were returned for insufficient funds {$41.00}. That was not the case, I had more than enough money to pay my bills. I have been a Macy 's credit card holder in good standing for 42 years with no problems with an excellent credit history. 
Due to the returned check XXXX XXXX is being beyond unreasonable and has put a hold on my credit card and no orders will process. This is unbelievable and unfair business processes.
Consumer complaint received 2019-05-15
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

XXXX is the only company that shows 2 accounts not listed on XXXX or XXXX. I demand XXXX remove the capital bank and XXXX XXXX account off my report immediately.
Consumer complaint received 2021-09-22
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 — Their investigation did not fix an error on your report
Company: Exeter Finance, LLC. (FL)

On XX/XX/ the vehicle I had co signed to financed was involved in a car wreck. The person at fault had XXXX XXXX for insurance. I contacted them within days of the wreck. They deemed the car a total loss. XXXX XXXX emailed that they would send me a check so that I could pay off the car to the lender ( Exeter finance ). Some weeks went by and when I contacted XXXX XXXX they said that they paid XXXX to Exeter finance in XX/XX/ instead of sending me the check. That left a {$400.00} balance to pay off the car. So in XX/XX/ I contacted Gap ( XXXX XXXX ) to move forward with getting the rest of the car paid off. During this entire process I was contact with my lender Exeter finance. They confirmed that they had received the XXXX check in XX/XX/ and I let them know that XXXX  said they would pay the remaining balance of the {$400.00}. It may have been a little more. However Exeter finance put a charge off on my account at the end of XX/XX/. They were given XXXX in XXXX. When I spoke to a manager at Exeter finance in XXXX concerning the charge off they said I should of paid out of pocket. The check from the Insurance was mailed to them instead of me. I had no controller over that. I should have not gotten a charge off at the end of XXXX. I worked really hard to to stay in contact with XXXX XXXX and XXXX XXXX to make sure that they received their money to get the car paid off. This charge off should be removed. I did not neglect to pay. Again {$8000.00} was paid in XX/XX/ and only a small amount was left to pay on my XXXX XXXX XXXX. Please remove this charge off. I did sent letters to the credit bereus but nothing was done
Consumer complaint received 2020-11-15
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. (TX)

The Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). To ensure compliance, the agency pursues an aggressive enforcement program aimed at the main players in the consumer reporting system CRAs, those who send them information, and consumer report users. The FTC has sued CRAs, charged companies with furnishing inaccurate information to CRAs, and charged users of consumer reports with failing to notify consumers when they make negative decisions about them based on a consumer report. underage with XXXX  XXXX XXXX, XXXX XXXX XXXX, AND XXXX XXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. see attach ftc violations Fair Lending Laws and Regulations XXXX  to Pay {$570.00} XXXX as Part of Settlement with FTC, CFPB, and States Related to 2017 Data Breach. Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report. 
FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING.
Consumer complaint received 2023-03-04
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: CITIBANK, N.A. (NY)

To whom it may concern it was brought to my attention that someone opened a Citibank credit card using my name they have removed it from the other credit bureaus, but from XXXX XXXX they removed it and put it back on. I dont understand that.
Consumer complaint received 2020-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

countless times since XX/XX/2020 i have sent certified letters to XXXX XXXX XXXX asking for proof that they sent me a certified letter or proper notice accordingly to IL Law stating they were going to sell my vehicle and that they gave me a chance to get it bank. they have not supplied me with such notice as of today XX/XX/2020.
Consumer complaint received 2020-04-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (WI)

Hi Team, I am using Remitly Money transfer app to send money to my home country for my family help. 

Today, sudden I got pop up messages that couple of transaction happened in remitly account, I was socked because I didnt do that. 
Total XXXX $ been transferred, and XXXX $ has been transferred successfully and rest of the amount did cancel by bank. 

I dont know about the person detail who was added into my remitly account, top of that I can not understand that how someone added himself into my remitly account whereas I didnt get any text regarding this addition, I cake to know when amount has been transferred. 

Remitly customer service are so bad, since morning I was trying to connect with them and they are available only on chat, and waiting queue is 2-3 hrs, after 2-3 hrs when would connect suddenly they will close the chat. 

I am 100 % sure, it is completely remitly issue, their side only some days loss happened and they are hiding it. 

I want my money back and action against the person, who did that. May be he will do same to others in future. 

My remitly user : XXXX Cell : XXXX Please reach me anytime for any information. 

Thanks, XXXX XXXX
Consumer complaint received 2024-08-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (NJ)

CHIME STOLE MY MONEY!!!!!! I want all my money back that i had in my account when it was closed. I will be looking to sue your company!! You guys hung the phone up in my face when I tried to update my address, your company needs to be shut down!!!
Consumer complaint received 2021-09-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY (GA)

As the debtor I am asserting my rights to per my contract with Wells Fargo. I am asserting my right to rescind the transaction. Pursuant

to 15 USC 1635. Pursuant to 16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER Wells Fargo used deceptive and misleading paperwork to conduct a consumer credit sale transaction. Pursuant to 15 USC 1692 J. The vehicle was paid by the promissory note that is the negotiable instrument. This is in fact unfair practices and a violation of my rights. Pursuant to 15 USC 1692 F. This is violation of federal law. Wells Fargo blatantly violated my rights as a consumer by advertising down payments and installments. Pursuant to 15 usc 1662. Wells Fargo coerced me into making monthly payments.Violations of my consumer rights is violation of Regulation B as well as the Equal Credit Opportunity Act. 

Wells Fargo gave my private information to another organization which is unfair. My rights to privacy have been infringed.
Consumer complaint received 2024-08-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: SOFI TECHNOLOGIES, INC. (AL)

Ill have been working for two different families from SoFi and they deposit money into my accountXXXX  so fi has closed my account and will not give me any of my funds its almost XXXX  in my account. They say they investigated my account and I will not be given any of my funds thats not right when the account is in my name and the money is mine I want all of my money
Consumer complaint received 2021-09-22
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: NOVAD Management Consulting, LLC (DE)

I received a letter advising that a mortgage was reassigned from Novad Management Consulting, LLC. to XXXX XXXX. However, while my address is referenced in the letter, I have no mortgage with Novad or XXXX. I attempted to contact Novad at all of the numbers listed in the letter and on their website but could not get any answer after several hours of sitting on hold. I also attempted to contact XXXX, but their number directs people to contact HUD directly and hangs up. I emailed Novad at the email address on their website but have not received a response. 

I confirmed with my county 's Recorder of Deeds that I have not entered into a loan with Novad or XXXX, nor have any of my existing loans been assigned to either of them. 

This is a fraudulent claim to hold a mortgage against my property.
Consumer complaint received 2020-10-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

On XXXX XXXX received an email from work that Asset acceptance was to garnish 25 % of my wages again, same thing happened in XXXX. I requested a hearing and filed at court a notice saying I made less than XXXX a week They canceled the process in a week or two. Now I get it again, went to court and did the same thing. I dont remember what year I asked for them to identify the debts and they never did. Some time between XXXX I do not know if this is legal. Non of that shows in my credit report. What to do? They will keep doing this every other year? They never mail me anything but they mail it to my job. 
The Final Judgment entered on XX/XX/XXXX in the amount of {$8100.00}. Statutory interest accrues in accordance with Section 55.03, Florida Statutes, from the date of the Judgment until the Judgment is paid in full.
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

CREDIT COMPANY DROPPED MY CREDIT SCORE 77 POINTS. TWO COLLECTIONS WERE REMOVED AND THERE WERE NO OTHER CHANGES SO WHY DID MY CREDIT SCORE DROP AFTER I CALLED AND MADE A COMPLAINT. IN ADDITION I REQUESTED TO HAVE WRONG INFORMATION REMOVED FROM MY REPORT. 

XXXX XXXX XXXX-listed as sent to another credior does not have updated information about account. account is not mine was sent back as verified without any verfication sent to me from transunion. it shows that i have 1 account in collection but does not show the one account listed. I have no collections at all.
Consumer complaint received 2021-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2021-09-22
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: CREDIT ACCEPTANCE CORPORATION (NY)

The following information is being reported and it is all incorrect! 
CREDITOR : CREDIT ACCEPTANCE CORP ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE OWED : {$15000.00} BUREAUS TO DISPUTE : XXXX, XXXX, XXXX CREDITOR : XXXX  XXXX  XXXX  ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE OWED : {$18000.00} BUREAUS TO DISPUTE : XXXX CREDITOR : XXXX  XXXX  ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE OWED : {$18000.00} BUREAUS TO DISPUTE : XXXX CREDITOR : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE OWED : {$16000.00} BUREAUS TO DISPUTE : XXXX, XXXX CREDITOR : XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE OWED : {$16000.00} BUREAUS TO DISPUTE : XXXX CREDITOR : XXXX XXXX  ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE OWED : {$1600.00} BUREAUS TO DISPUTE : XXXX, XXXX CREDITOR : XXXX. XXXX, XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE OWED : {$130.00} BUREAUS TO DISPUTE : XXXX
Consumer complaint received 2020-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CO)

On XX/XX/XXXX I tried to add my Citi card to a mobile wallet ( XXXX XXXX ) and the app said I had to call Citi to finish verification. I called the number given and provided my phone number, card number, name, and security word. The Citi representative said he could not verify my identity unless I had another account with Citi ( checking, savings, credit card ). I said that I did not. He then asked if he could have the phone number of someone else in my family, which I didnt understand since there is only one phone number associated with my account. When I tried to use my card today it was declined. I called Citi to try to get my card unfrozen and this time the representative said they would mail me a letter with a 4 digit code and once I had the code in 7-10 days they would unfreeze my account. They again said my identity could not be verified because I do not have any additional accounts with Citi.
Consumer complaint received 2021-09-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

For those who don't know, PHH Mortgage is one in the same as fraudulent Ocwen Loan services. For years we have been trying to retain our property to no avail. We have heard every excuse on this planet from Ocwen and PHH as to why they couldn't approve the loan modification. PHH claims that the account arrears are to large for alone modification. If the consumer financial Protection would review the HAMP guidelines and the XXXX  XXXX  protocol for loan mod 's, you'll find that arrears what ever they are is irrelevant for a loan modification because that's where forbearance comes in depending on the appraisal value. I am attaching a copy of the RMA and other financials for you're review. Our combined monthly income is {$5800.00}. We clearly qualify for the XXXX XXXX standard loan modification. We are asking PHH to STOP the nonsense and the Unfair Business Practices before we filed a complaint for the XXXX district Federal Court. We also have extensive proof that PHH have engaged in fraud in connection with the foreclosure action and matter should be brought up to the XXXX  District Court of Florida. We will file a separate complaint in regards to the fraudulent foreclosure complaint and how Ocwen and PHH was involved.
Consumer complaint received 2020-11-15
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. (IL)

, i have requested proof of ownership of an account from XXXX XXXX Auto from XXXX and experian and still have not received any proof. however they are still reporting this account on my report with no proof. the amount is about {$9000.00}, i have sent certified letters stating these facts since XX/XX/2020 and no answers to this date XX/XX/2020.
Consumer complaint received 2020-04-22
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TN)

A collection from National Credit Adjusters remains on my credit reports. This alleged debt was recently removed when it was owned by XXXX XXXX. All of a sudden now National Credit Adjusters has purchased it for pennies on the dollar and is now trying to use me to turn a profit. It has be OVER 30 DAYS since they were supposed to validate. They can't validate it because I DON'T OWE ANYTHING!!!! I just went through the same thing with XXXX XXXX before this horrible company bought the debt.
Consumer complaint received 2020-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (FL)

Due to the pandemic, Barclay 's wanted to run promotions that were relevant to the new conditions we found ourselves in, which included running a promotion for XXXX XXXX. I happen to be a fan of XXXX XXXX so it was a win/win. Around XX/XX/2020, I received an email from Barclay 's with the new promotion that stated " Take-out never tasted so good-get a {$20.00} statement credit '' I have attached an image of the promotion as well. But in short, all I needed to do was make 3 purchases with XXXX XXXX and I will get a statement credit for {$20.00}. I made the purchases and it has been 5 months and I have yet to receive the bonus. 

I have contacted Barclay 's directly several times about this. The representatives I got on the phone made it clear that it is a known issue within the department and I will receive the bonus within 7 business days of the call. I last called a month ago and still, nothing.
Consumer complaint received 2020-04-22
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

From XXXX to XXXX I ( XXXX XXXX XXXX ) attended University XXXX XXXX. I graduated with an XXXX XXXX and continued my education there, in efforts of achieving a Bachelors in XXXX. 

I currently have a few debts owed to the XXXX XXXX XXXX organization that has been sent to creditors. I have had trouble paying the amount of {$85000.00} ; this has impacted my credit report. 

I recently hire some legal aid to assist me with disputing to XXXX, XXXX  and Transunion and other creditor about removal so that those loans don't impact my credit score. I have been told by my personal Legal Agent that over 7 years would enhance my odds of having them removed so they don't impact my credit score. It has also been suggested that I contact your organization about this issue and having the XXXX XXXX  removed from my credit score so I may continue working to improve my score. 

I am discussing arrangements now to repay the loans with the creditor these loans have been sent to. 

The legal aid service pursuing this claim is call XXXX XXXX - they have sent some notices and recently escalated this issue since it has been seven years and although we have reach out to national creditor services like XXXX, XXXX and Transunion they have yet to respond in our favor