davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-16
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. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS THAT DO NOT BELONG TO ME I AM A VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAS. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-10-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A. (CA)

I paid off my mortgage on XX/XX/2021. I am owed a refund of {$4500.00} ( as well as payoff confirmation letter, promissory note, etc. ). It is now XX/XX/XXXX and I still have not received anything from Flagstar Bank. Their website has a chat with customer support feature but every single time I check it says unavailable.
Consumer complaint received 2019-05-31
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)

On XX/XX/2019, I sent a letter and information via certified mail to XXXX, XXXX, and Transunion. I disputed a collection from XXXX XXXX in the amount of XXXX that appeared on my credit reports. The dispute was based on the fact that XXXX XXXX never proved debt validation and was in violation of the FDCPA, section 809 ( b ) So, I asked XXXX, XXXX, and Transunion to investigate the matter and the results came back verified. Next, on XX/XX/2019 I exercised my rights under 611 ( a ( 6 ) B ( iii ) and requested XXXXXXXX XXXX, XXXXXXXX XXXX, and Transunion 's method of verification and it came back verified again. 

XXXX, XXXX, and Transunion failed to provide their method of verification for XXXX XXXX # XXXX as requested on XX/XX/2019, under FCRA guidelines. I believe this account should be deleted because XXXX, XXXX, and Transunion all failed to comply with the FCRA 611 ( a ) ( 6 ) B ( iii ) They did provide a single document bearing my signature, showing that I have a legally binding contractual agreement to pay XXXX XXXX the XXXX that was allegedly owed, neither did they provide specific names, addresses, or telephone numbers of persons contacted regarding this alleged account.
Consumer complaint received 2020-04-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (AZ)

I have disputed this item on my credit report through XXXX. The collector is Midland Funding. I have tried several times to get this resolved to no avail. I disputed this account also through XXXX  and was successful in getting this deleted from my credit file. On XX/XX/20 I filed another dispute through XXXX  and it was resolved in a matter of 2 hrs. Which is not possible to do. The results where an update to my file. I dont understand how one credit reporting agency can delete this account from my file but yet another wont. Please help me with this matter.
Consumer complaint received 2018-07-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (MO)

I have not received any statements or phone calls about the loan. When I spoke to them back in XXXX I was entered into a deferment. I was notified that my credit score went down due to payments missed by Navient. But I have yet to receive a letter or a phone call. How is that allowed? They are just increasing my balance due and not evening contacting me.
Consumer complaint received 2019-05-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (MO)

I tried to open an account with the Robinhood app when they said my Social Security number is already in use and that I " already have an account '', I don't. I found out that my ex-husband has opened the account without my knowledge. The company, Robinhood ; will not give me any further information and are not being cooperative in this identity theft case.
Consumer complaint received 2020-12-09
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: CITIBANK, N.A. (FL)

I am writing to CITICARDS CBNA because I am having difficulties with applying for new credit cards. I paid the collection and do not owe anything, but the marks in my XXXX and XXXX reports prevents me from achieving the desired results. 
I am kindly requesting CITICARDS CBNA to remove this paid charge off account from my credit report as a gesture of goodwill.
Consumer complaint received 2020-04-29
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I have been enthusiastically working to rebuild my credit for over a year in order to buy a home and was just within reach when I decided to dispute an inaccuracy on a closed XXXX account. I had no idea that doing this would result in my score dropping 19 points because the closed, negative account was deleted. After looking online I see many other people outraged that Equifax is doing the same thing to them. ( Some having their scores dropped over a hundred points for having something deleted ) Nowhere was I informed that I risked my score dropping if I disputed an error. I never would have risked it had I known this was the case. I thought disputing an error was my right, not a punishment, and I would like to voice my complaint and request this behavior be investigated.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: M&T BANK CORPORATION (VA)

M & T bank is reporting charged off account on my report for about {$500.00}. I have never received any collections about this account. I have never had a M & T bank account. I reached out to find out more about this account and theyve been unable to assist me in resolving the matter.
Consumer complaint received 2020-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (OH)

I have submitted TWO REG Z BILLING DISPUTES TO XXXX AND THIS WILL BE THE FOURTH COMPLAINT! They just removed one month of negative reporting but left one still being reported!!! - They need to FULLY FIX MY CREDIT REPORT!! AND NOW THEY SEND ME A SBILL SHOWING XXXX DUE!! I 100 % dispute the late payment reported by XXXX AND THE BALANCE DUE. My account number ends in XXXX and the last four of my SS # is XXXX. I have been impacted by COVID. I was admitted to the hospital in XXXX. Not only did I have the XXXX  and was in the hospital for a long time, I lost my job. I spoke with XXXX and was advised My payments were deferred until XX/XX/2020. I get a credit alert and they have reported me as past due. This is a VIOLATION OF THE CARES ACT AND THE LATE PAYMENT NEEDS TO BE REMOVED! I WILL PAY THIS ACCOUNT IN FULL ONCE THEY CORRECT MY CREDIT REPORT AND REMOVE THE ERROINIOUS LATE FEES!!!!! I was told I was provided protections under the CARES ACT and they failed to adhere to what was offered to me! No one has called me from XXXX! I received no written notice or terms of the deferred payments/forbearance plan. All I had to rely on was what the Rep told me. I thought I was protected until XXXX. XXXX needs to make this right, AND COMPLY WITH THE CARES ACT AND FIX MY CREDIT REPORTING AND REMOVE ALL LATE FEES AND CALL ME ONCE THAT IS DONE! In either XXXX or XXXX, I was able to call XXXX and I had also filed a Reg Z billing dispute and sent to the designated address. The rep I spoke with saw the dispute in review. At that time, I paid the balance of my account but all a {$35.00} late fee THAT WAS IN DISPUTE! That was the only amount due. She told me, I would receive a written response. I NEVER RECEIVED IT! Not long after that call, I was back in the hospital due to complications from XXXX. I was just sent home yesterday. I was unable to take any action or call anyone regarding this account! XXXX needs to remove ALL THE NEGATIVE REPORTING THAT HAVE REPORTED AND TAKE MY BALANCE TO XXXX AND CLOSE MY ACCOUNT!!! THEY ARE IN TEH WRONG HERE!! HOW DO I OWE {$110.00} WHEN ALL I " OWED '' WAS {$35.00} THAT WAS IN DISPUTE??!! THEY NEED TO GET IT TOGETHER AND RESPOND TO THEIR REG Z DISPUTES AND COMMUNICATE WITH CUSTOMERS!
Consumer complaint received 2024-02-26
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CO)

I opened a line of credit with Wells Fargo. In early 2022, I got notification from Wells Fargo that they were no longer offering the Line Of Credit services. Around XXXX XXXX 2022, I requested a payoff amount and then payed that amount in full to close out this line of credit since the services were no longer going to be available. After paying the payoff amount, the line of credit was fully removed from my online banking and mobile banking, so it was no longer visible, as to say it no longer existed. After receiving statements from Wells Fargo just recently, we discovered that on XX/XX/2022, Wells Fargo applied a $ XXXX+/- charge to the non-existing line of credit and then in XXXX of 2022, Wells Fargo reversed the charges on their own, but Wells Fargo reported a delinquency of 60 days past due before reversing the charges. My husband and I are trying to buy a house currently and we are just finding out all of this information because it has drastically affected my credit score and is causing financial harm to our potential home loan. We were completely unaware that there was an interest charge over 15 days after we payed off the line of credit ( a requested payoff amount ) and we were completely unaware that Wells Fargo reported a delinquency which has affected my credit for a few years now.
Consumer complaint received 2022-08-08
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. (GA)

I asked the credit bureaus to a verification of some of the accounts listed on my report. They did and stated everything was verified. I did research after them and still found improper inaccuracies even after they did research. 

Account names XXXX Account no. XXXX XXXX XXXX XXXX Account no. XXXX XXXX XXXX XXXX Account no. XXXX XXXX XXXX  Account no. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX In accordance with the fair credit reporting act XXXX Accounts XXXX, XXXX, XXXX, XXXX, and XXXX quick recover has violated my rights. 

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

15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-10-28
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. (MS)

XXXX XXXX is reporting a bankruptcy on my credit. The courts name are reporting inaccurately and different between XXXX, XXXX  and equifax and the dates are reporting wrong as well. The original creditor is the Bankruptcy courts and they have communicated with me that they do not report this information to the XXXX XXXX are any other credit reporting agency. i would like to know your method of verification on how you verified this information.
Consumer complaint received 2021-05-01
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX had a covid extension/payment assistance that was to help people affected by the pandemic, well atleast what was advertised not what was done. After, speaking with a rep about my impact from the pandemic I was told by both the Rep from XXXX XXXX  and well as it was listed on their site/mobile app that due to the pandemic more payment options were provided with extensions and option for flexible payments throughout. As I made payment to best my ability through the pandemic I was still being dock for late payments fees AND late payments on my credit reports. Iam astound how XXXX XXXX XXXX  has handled this. Ive called multiple times for the past 2-3 months and each time the reps give you the run around tells you it takes 45 days for a response. They continue to change the dates transfer you over to a supervisor who dates are different from the previous .they cont. to give a run around and not acknowledge of your concerns. These lates need to be removed
Consumer complaint received 2018-08-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ORG GC GP BUYER, LLC (SC)

On XX/XX/XXXX when I received the letter I try to contact the company to let them know the debt had be settled.By email several times.But it wouldn't allow me to enter the site with the assigned account number.
Consumer complaint received 2021-10-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources (NC)

This collections is not from original creditor. I do not owe FirstPoint Collection Resources , Inc. at XXXX XXXX XXXX, XXXX, NC XXXX any amount. They may allege I owe the {$1100.00} the sum of {$470.00}, {$330.00}, {$300.00}. I never heard of FirstPoint Collection Resources , Inc.. I never did a contract with them. I ask them how they got my private information without permissible purpose from the consumer. I ask them valid questions regarding this alleged debt. They have not responded with any valid information. They have willfully report, reported, and continue to report inaccurate and incomplete information and are in violation of 1692g ( b ) & 1692e ( b ). They have removed two of the alleged collections {$470.00} and {$300.00} yet one {$330.00} still remains. The removal of this information is proof that I don't owe them anything as these alleged debts. I have suffered emotional and financially because of this situation. I am hurting and XXXX I need help because they won't remove it. My credit suffers from this! This has been going on for months. I have suffered deeply from this and the covid-19 pandemic as well.
Consumer complaint received 2020-10-28
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. (MS)

XXXX XXXX is reporting a bankruptcy on my credit. The courts name are reporting inaccurately and different between transunion, XXXX  and XXXX   and the dates are reporting wrong as well. The original creditor is the Bankruptcy courts and they have communicated with me that they do not report this information to the XXXX XXXX are any other credit reporting agency. i would like to know your method of verification on how you verified this information.
Consumer complaint received 2020-11-16
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. (OH)

Looking over my credit report and notice there were fraudulent accounts that doesn't belong to me and never authorized any contracts and business with these companies.The following accounts are listed below : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX  XXXX/XXXX  XXXX # XXXX, XXXX XXXX # XXXX , XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX  XXXX XXXX  # XXXX, XXXX  XXXX XXXX  # XXXX, XXXX XXXX XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX  # XXXX
Consumer complaint received 2020-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

On my Costco/Citi credit card XXXX statement I had a balance due of {$2000.00}, due XX/XX/20. On XX/XX/20 and XX/XX/20 I had two refund credits totalling {$2500.00}, two weeks before the due date. Therefore I had a credit balance of {$580.00} so there was no need to make any payment, correct? No, two Citi supervisors told me, the system doesn't work that way. 

I then received many harassing messages threatening reports to credit agencies, and insulting requests if I wanted credit counseling. I have a perfect credit score of XXXX. Citi closed my account. I then wrote to Ms. XXXX XXXX, President, Citigroup, and heard from their Executive Response Unit. After numerous calls and messages the rep ultimately said " a credit is not a payment ''. I told them I wondered if a court would buy that logic. 

I paid the subsequent month 's bill in full and the account has been restored. So, except for weeks of harassment and embarrassment of recurring charity payments being rejected, I haven't been injured. But surely, I would like this shabby treatment aired.
Consumer complaint received 2020-08-06
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Conn's, Inc. (TX)

I purchased appliances back in 2018, and it hasn't worked correctly ever sense I bought it. I have tried several times over the past year to reach the store regarding the issue and they have not reached out to make this issue right. I have thus far paid {$2500.00} for a washer and dryer and they want to continue to charge me but yet do not want to correct this issue, they said I purchased a warranty but yet they give me the run around.
Consumer complaint received 2020-05-17
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. (NV)

The credit reporting agencies did not correct my credit files whereas they are still reporting unauthorized accounts inwhich was derived from my identity being compromised and misused in away, I'm misrepresented. In light of my previous attempts I've also demanded physical documentation as well as the Method of Verification used in regards to these accounts. Before any escalation of these claims charging the major credit reporting agencies, I'm demanding that these accounts be removed and blocked as of this writing. Please remove the following : 1 ) XXXX XXXX   {$700.00} 2 ) XXXX XXXX {$300.00} 3 ) XXXX XXXX XXXX {$300.00} 4 ) XXXX XXXX 5 ) XXXX  XXXX XXXX 6 ) XXXX  XXXX 7 )  XXXX XXXX {$600.00}
Consumer complaint received 2022-08-13
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)

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 listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened XX/XX/2019 Balance {$2800.00} XXXX XXXX XXXXXXXX Date Opened XX/XX/2019Balance {$880.00} XXXX XXXX XXXX XXXX Date OpenedXX/XX/2019 Balance {$4400.00}
Consumer complaint received 2020-10-28
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. (FL)

Experian is reporting XXXX accounts with negative information. I requested proof of such bad debt and they failed to provide any proof, just referred me to contact the creditors. 

I contacted the creditors ; XXXX XXXX and XXXX, and neither XXXX provided any proof. 

Both accounts still showing on my Experian credit file.
Consumer complaint received 2022-08-13
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. (PA)

It appears that/my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$410.00} XXXX  XXXX XXXX  XXXX Balance : {$10000.00}