davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-18
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: BARCLAYS BANK DELAWARE (VA)

There was an account listed on my Credit Report from XXXX 's that was shown as Charged Off and closed in XXXX. I disputed this with all three Credit Reporting Bureaus ( XXXX, XXXX and XXXX  ) stating that I was no longer liable for this account, as it was dismissed in District Court after XXXX 's had sued me in XXXX. The response each time, presumably by XXXX 's, has made matters worse. Each time I have re-disputed this account, by my adding more information, such as uploading the Dismissal in District Court, XXXX 's has added more false information, for example stating that it is in Collections ( it is not, it has never been in Collections on my credit report ) and updating the last payment date to XXXX, on an account that was closed by XXXX 's in XXXX, evidently in a false attempt by XXXX 's to restart the Statute of Limitations, which had already passed, as far as their taking any future action against me. A Judge ruled that they had insufficient evidence that I was liable for this account and dismissed the case in Court and that should have been the end of it, they should not continue to report an account that I am not liable for. I am XXXX years old,  my only source of income is Social Security XXXX for XXXX XXXX and other Health Issues as well and this is exacerbating my XXXX and is harassment. Please have XXXX 's remove their reporting of this account to the Credit Bureaus, or have the three Credit Reporting Bureaus properly remove it.
Consumer complaint received 2016-10-07
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (ND)

I use Wells Fargo company strictly as a reserve banking institution, because all of my everyday spending and drafting from companies come out of XXXX XXXX XXXX Accounts. For a majority of my history with them all I do is deposit funds with the hopes it will stay out of sight out of mind and build up for my families future. I had a checking account only, but signed up a month ago for a savings account and was supposed to get a XXXX bonus for that. So far no credits. Over the last month I have put a large amount of money in this savings account ( only making deposits ) and Yesterday XXXX/XXXX/2016 I noticed my balance was lower than expected. When going back to check this online I found a XXXX XXXX was taken out of my savings account ( XXXX ) in the amount of XXXX posted on XXXX/XXXX/2016 but apparently performed XXXX/XXXX/2016. 
Through horrible service I was disconnected multiple times and routed from one group to another who kept saying I had to go to Merchant Services, and when I spoke with them they would n't even talk to me since I was n't a business. I finally got someone to say they would file a claim however I find it very disturbing that money can be taken out of my account without my permission. 
From my understanding someone must have gotten into my account when I was logged into an unsecure business, and according to one rep someone named XXXX was put on the account as an Authorized user???? How can this happen that Wells Fargo can allow this without Authentication and my signature to allow someone to be on my account. They definitely used enough security demanding me 17 times to prove who I was trying to dispute this, why not when protecting my money. That to me is a breach of customer privacy and protection. I would like someone to please assist me in returning these funds to me.
Consumer complaint received 2015-10-09
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC (OR)

We have our house under contract to sell with a closing date of XXXX/XXXX/2015 and have been attempting to get a payoff from Greentree/Ditech since XXXX/XXXX/15. Through multiple emails and daily phone calls from the title company and ourselves, we can not get any resolution. Despite having names and employee ID numbers, when we reference these that person is always " not in this department '' or is unavailable. We were told on on XXXX/XXXX/15 that we would have a payoff no later that XXXX/XXXX/15. When the payoff did not arrive, we were told that we had never been told that, and in fact they had not had any prior conversation with us. We asked for them to pull up the copies of the recorded conversations, ( per their own statement before you talk to someone that all calls are recorded ) and not surprisingly, they do n't have access to them and they are only kept for a couple of days. Today 's story from Greentree/Ditech when we called them went as follows : " The request has been sent to the regional office and we are waiting for it to come back. ". The representative for Greentree/Ditech went on to say that they can not check on the status of the payoff at the regional office because they have no way to communicate with them. They have hundreds of regional offices and no way to call or email them. Sounds like nothing but avoiding to provide us with a payoff. Our mortgage is and has been current with them despite what feel like their attempts to have it in default. Amazingly they never putting the amount of payment due on the statement, if one comes at all. Previously when we foolishly mailed payments they were inevitably " misplaced '' and not posted right away which we learned very quickly so we then paid it over the phone with their company and happily paid a {$12.00} fee to know our payment would be posted immediately. Since then we have had it processed through our bank 's bill pay and have not had any posting problems. At this point we are having to pay {$880.00} to extend our buyers lock to hopefully not lose the deal over their refusal to furnish us with a payoff on our home.
Consumer complaint received 2022-02-10
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)

While checking my credit report, I notice an account from XXXX XXXX XXXX that I believe is not being reported correctly on my credit report. XX/XX/2021, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. ( See Attached ). After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2021, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, along with my incident report, ( which is attached ), asking them to verify or remove the negative report on my credit report that XXXX XXXXXXXX XXXX  is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Consumer complaint received 2015-04-16
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (IA)

I was instructed by my bank to obtain a fraud alert after my social security number was stolen. I followed the instructions using Equifax. In the mail, on XXXX XXXX or so, I received instructions from Equifax on how to obtain my free credit report pursuant to the fraud alert I had requested. I utilized the online tool provided by Equifax, but the final screen said it could not print my report. When I turned to the automated phone system provided by Equifax, the phone system did not ask for my full mailing address but did manage to extract my social security number. The system did not allow me to order my free report but rather gave me options only for a paid credit report. The automated system had no option for talking to a human being so that I could actually obtain the free report to which I am entitled. Equifax is making lots of money by hiding the ball as to how to obtain the free report to which I am entitled as a victim of fraud. Thank you. XXXX XXXX
Consumer complaint received 2023-03-27
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. (GA)

In accordance with The Fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX and XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXXXXXX XXXX XXXXXXXX # XXXXXXXX XXXX XXXX XXXX # XXXX and XXXX 15 U.S.C 1681 SECTION 602 A. STATE I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A. SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C 1681C. ( A ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORTS CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATESYTHE REPORT BY MORE THAN 7 YEARS 15 U.S.C 1681s-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THE INFORMATION IS INACCURATE
Consumer complaint received 2015-06-14
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I am a victim of Identity theft and someone stole my personal information and identity to open a Capital One Bank credit card ending in: XXXX. I never applied for a Capital One Bank credit card. The account that was opened with my stolen identity is unauthorized, fraudulent and do not belong to me.
Consumer complaint received 2015-06-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Works & Lentz of Tulsa, Inc. (LA)

This company has continually reported these debts on my credit report. I have spoken with them and sent letters in which I stated to them this is the debt of my ex wife. Oklahoma is not a community state so therefore her debts are hers. She was never on my insurance and I did n't even live in the state at the time of this bill or years before that. They said I am past the 30 days of disputing this debt, however this debt was never sent to me before it went to collections or on my credit report otherwise, I would have disputed it then.
Consumer complaint received 2022-02-10
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. (TX)

Greetings in XX/XX/2021 I reached an agreement with XXXX XXXX XXXX on behalf of XXXX XXXX XXXX for a {$27000.00} debt. We settled the debt for {$13000.00} which was paid in full on XX/XX/2021. At this time I was working on a refinance and was able to get the account updated through the XXXX XXXX only to have it reverse a month or so later. I have submitted disputes with and without supporting documentation and although XXXX  state they received the funds and it shows as a payment received in XX/XX/2021 the account balance was not updated to {$0.00} & cleared stating it was settled for less than the debt owed. This is the 2nd of two in which I had to wait over 2 months to get cleared up. Attached is supporting documentation of the settlement agreement, proof of payment, cleared payment from my bank, and a letter from XXXX stating the account has been paid in full. In spite of providing these documents to the 3 credit Bureaus they claim XXXX said the information is reported accurately and refuse to provide any proof as to how XXXX  verified the accuracy after sharing with XXXX  my proof.
Consumer complaint received 2016-10-11
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC (CT)

My payment with BMW Financial Services is due on XX/XX/XXXX, account number XXXX. The vehicle is not in my possession, it was not able to be registered due to past due property taxes and the dealership is well aware of this. They have the vehicle in storage until taxes are paid. However, the tax bill is quite high and can not cover car payment as well. The tax bill is around XXXX and do not have enough to cover both. I need payment deferred a month to XX/XX/XXXX in order to buy time to pay taxes. I believe this to be reasonable, considering I do not have the car in my possession and they can verify this with BMW dealer, BMW of XXXX. They are also looking for a payment on a previous account, XXXX, which was paid off by XXXX. However, a small amount was left over, around XXXX I believe. I do not have exact amount available to me at the moment. The GAP company, XXXX claims, paid out the claim with no benefits so amount was not paid out. Their reason ( s ) for non-payout vary and are inconsistent/bogus. Please advise BMW Financial Services I refuse to pay and if they are still seeking payment they need to contact either XXXX and or XXXX Claims.
Consumer complaint received 2023-03-27
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. 

The list of account below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer Reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer Reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2022-09-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Here recently XX/XX/2022 I pulled my credit report from transunion.com and noticed several inquiries for auto loans and credit cards over the course of the last few years that I have no knowledge of and did not authorize. I placed a freeze on my credit report on XXXX after receiving notifications via email that my Transunion report had been recently checked by a lender I reached out to Transunion on XXXX to inquire about these inquiries and to get further assistance on getting them removed because they should not be on the report but the representatives I spoke with could not assist and refused to further investigate. I spent several hours on the phone with them speaking to supervisors, fraud and being transferred countless tomes to get to the bottom of this. I still have not gotten a resolution with Transunion! The inquires on Transunion that were unauthorized are listed below : XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have sent letters certified mail to Transunion on XXXX as well as filing this complaint in hopes to get them removed and for further investigation to be done. The credit freeze will remain in place.
Consumer complaint received 2022-02-10
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP. (CO)

Currently I am in the process of going through insurance claim due to damages. Mortgage company is stating that i have to pay off complete amount due and other part of loan on fix amount, when its 13 year prior to being due. They have not sent me a new contract with them taking over the loan when they took it over and i called them wanting the new contract they sent me the old companies contract and said they followed it. They increased my mortgage and blamed it on my insurance company saying that what makes the amount go up or down. They stated that this doesn't come off with paying off early. This company files late charge before the month is due. Company 21st mortgage treats mortgages as debts not loans.
Consumer complaint received 2016-09-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: State Collection Service, Inc. (TX)

I called to have this account disputed but the company is not showing anything under my social. I asked why it would be showing under my social in my credit report but they did not have an answer.
Consumer complaint received 2016-09-20
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: R & B Corporation of Virginia (VA)

According to the Health Insurance Portability and Accountability Act ( HIPAA ) Act of 1996 to protect my privacy and medical records from third parties I have never authorized the company named 'Credit Control Co ' to access ANY of my or families medical records from XXXX Hospital XXXX. I have contacted them for them to prove to me that I authorized them to have access to my families medical records and they sent me bills, dates of service, and personal information that does NOT verify I gave them permission to access. They have broken the HIPAA law regarding privacy.
Consumer complaint received 2022-02-10
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Alliance Collection Agencies, Inc. (IL)

On XX/XX/2022, I sent a letter to Alliance Collection Agencies, to validate the account. I requested o send me the agreement and contract with my signature on it. In addition, I requested to provide me with the XXXX with my signature on it. Instead, they keep calling me every day XXXX  a day. They also don't inform me who is calling me. I need them to stop calling me. I have sent many letters to them to provide me with accurate information and they continue to ignore it. Today XX/XX/2022, they called me XXXX times. These phone calls have to stop.
Consumer complaint received 2022-02-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (NE)

In XX/XX/XXXX, I noticed that I started receiving statements from Synchrony Bank related to a card from them that I had not used for over three years, a card I did not have in my possession. I contacted them at that time by phone, and was assured by a customer service representative that they were going through and cancelling all the charges. Some charges were cancelled, but over {$1000.00} of charges were not. 

In XX/XX/XXXX, I noticed that I was still receiving statements and logged into my account. I sent Synchrony a message via their online portal asking them to resolve the fraudulent charges. 

In XX/XX/XXXX, I noticed I was still receiving statements and went to complain again. I noted that Synchrony had notified me that I needed to call in to start a fraud claim, so I did so : I was on hold for a total of two hours before I was able to get ahold of a fraud agent and begin the fraud claim. I received a form letter informing me that Synchrony was going to temporarily reverse the charges during the fraud and would notify the credit agencies about the fraud. During this call, I requested that my account be cancelled, because I was unhappy with the customer service I'd received over the previous six months. 

Later in XX/XX/XXXX, I was informed by the credit agencies that Synchrony was reporting my account for non-payment, despite the active fraud investigation, and my credit rating dropped as a result. I attempted to log into the Synchrony site to complain, but they have removed my account from display and I have no way to contact them except via phone and excessive hold times. 

On XX/XX/XXXX, Synchrony informed me that they were denying my fraud claim. They claim that I authorized the purchases, that I've made payments on the account, and that I've been receiving statements about the account for over 12 months, all of which are false. I have not authorized any payments to Synchrony bank since these charges were posted, I have only been receiving statements since XXXX or XXXX, and I was in no way involved with these charges being made. 

My card was stolen, I'm a victim of fraud, and Synchrony refuses to recognize that fact. I have many other credit cards with much higher balances, and I have adequate income to make payments on the Synchrony account. Furthermore, Synchrony has locked down access to my account information online, so I can't even provide screenshots of statements to support my case, which is blatantly scummy, anti-consumer behavior.

I value my credit rating more highly than I value a cheap buck at Synchrony 's expense. I have NO MOTIVE for committing fraud against Synchrony, as it would cost me more in interest on future credit than I'd gain from the fraud itself. I refuse to be shaken down by this company for actions taken by a criminal who stole my card, so I'm issuing this complaint.
Consumer complaint received 2020-11-24
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: CCS Financial Services, Inc. (PA)

I REVIEWED MY CREDIT REPORT AND FOUND ERRORS. I SENT IN A WRITTEN DISPUTE CERTIFIED MAIL AND I HAVE YET TO SEE ANY RESPONSE FROM THE CREDIT AGENCY.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

Due to inaccuracies on my credit report its reporting accounts as PAST DUE and I ask the the accounts be deleted. Under the FCRA ( fair credit reporting acts ) companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate accounts that are incorrect and inaccurate. Here are the creditor name & accounts : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Creditor Name : XXXX XXXX XXXX Account Number : XXXX Creditor Name : XXXX XXXX XXXX Account Number : XXXX