davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIRST NATIONAL BANK OF OMAHA (IL)

First National Bank of Omaha, XXXX account. 
The credit card issuer is refusing to dispute the charge with the merchant. 
In the first week of XXXX I called the bank to dispute the purchase on my card which was a recurring charge from XXXX XXXX XXXX at XXXX that happened on XXXX XXXX when I was out of the country. I have cancelled the service on XXXX XXXX pursuant to new automotive coverage I purchased on XXXX XXXX deeming the service no longer necessary. After a very long wait time the representative told me that the purchase will be disputed and the temporary credit issued ( it was n't ). I also XXXXquested that the XXXX XXXX XXXX charges be no longer accepted. However when I received the statement XXXX weeks later it appears that the purchase was not only not disputed but the new charge from the XXXX XXXX XXXX dated XXXX XXXX allowed. When I called about this, again after about XXXX min wait, I was told that the XXXX purchase was not disputed since the company has 30 days from the original time to have the dispute initiated, contrary to what I was told on the first call in the beginning of XXXX. I requested the supervisor to review the call and inform me why the XXXX charge was not disputed contrary what was communicated. Furthermore on XXXX/XXXX/XXXX I received a statement from the bank that it will not dispute the charge after all and that it is my responsibility to contact the XXXX XXXX XXXX ( I did so twice in XXXX and XXXX ) to have the charge credited. 
Issues : 1 ) Why the the bank has a very long wait times to even get a basic service? 
2 ) Why the CSRs are misrepresenting the dispute process and telling people that the dispute will be initiated and escalated when it is n't? 
XXXX ) What does it say for the corporate culture that is not protecting consumers from unauthorized charges and allowing 30 days for additional unauthorized charges and possibly illegal behavior to occur? 
4 ) Why is it ok by the bank representative to say to the consumer that the dispute is initiated when in fact it is n't and the bank feels it has 30 days to do so contrary to what is represented? 
5 ) Is the refusal to dispute the charge a form of retaliation for the criticism of its operations as it appears to be in my case? 
6 ) In its communication to me the bank stated it requires proof of the cancellation of the XXXX XXXX XXXX service. Since the enrollment and cancellation transactions took place on the phone does it require both transactions to be recorded? Since it is illegal for anyone in IL to record transactions without prior consent, does it mean that as consumer of the bank I have to violate the law since the XXXX XXXX XXXX reps refused to give me a consent for the call to be recorded? 

Sincerely. 
XXXX XXXX
Consumer complaint received 2022-04-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

I applied for a loan modification for my home since XXXX and have been steadily denied help to avoid foreclosure. PHH Mortgage has constantly been denying my application for three years, stating that I have been missing documents or there have been problems with the mortgage title. They denied my loan modification after waiting a month for information on whether it had been approved or not. According to Civil Code section 2924.10, a servicer must notify you within five business days of any missing information, other errors, and deadlines for completing your application. PHH Mortgage has not done that and has waited a month to deny my application, stating that I did not send in the correct documentation. In XXXX, I applied for a loan modification, and it was approved. I made the trial payments on time, and then a month later, I was denied saying that there was a problem with the mortgage title. I called and asked them what the problem was, and they told me I had a lien on my mortgage title, but they didn't know what the lien was for. I was reassured I could apply again, and it would be approved. I have been applying since XX/XX/XXXX for a loan modification. A month after I apply, I will get notified that I am missing documents. In XXXX, I applied AGAIN for another loan modification. It was approved, and I started making the trial payments for three months on time. Also, in XXXX, a valuation was done on the property showing the TITLE/LEGAL ISSUES box was checked off as NO. On XX/XX/XXXX, I received a letter saying that my loan modification was denied AGAIN because I didn't send in my living trust. I applied again, faxing my living trust and a new loan modification application. I got a letter two weeks later stating that I submitted all the required documentation and that no further documentation was needed. Today on XX/XX/XXXX, I got a letter stating that the loan modification was denied because I didn't meet the agreement. I called PHH Mortgage, and they stated that I didn't show them proof that the lien was taken off the mortgage title. They never asked for more documentation other than what I had given them, and they sent a letter stating that they had all the documentation. I feel like this company is not trying to help its customers. PHH Mortgage has been sued twice before this as well. I am now facing foreclosure, and I am devasted and stressed.
Consumer complaint received 2018-09-25
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC. (MA)

There is a collection for {$3700.00} from XXXX XXXX  on my report that I never incurred or signed for, can't imagine what it is. I'm XXXX yrs old and this is very distressing. 

The collection agency is listed as : CAINE & WEINER COMPANY INC an internet search comes up with their site as : https : //www.caine-weiner.com/
Consumer complaint received 2021-07-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Coinbase, Inc. ()

i have my Coinbase account blocked since XXXX, XXXX, 2021 I have try to complite my personal dates, reset my account and solved the problem with them but without success. 
For this reason i cant move or remove my money from taht count.
Consumer complaint received 2020-07-10
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: EQUIFAX, INC. (AR)

My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.
Consumer complaint received 2021-07-20
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. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-07-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/2017 Balance : XXXX Reason : Identity theft Please remove it from my credit report
Consumer complaint received 2018-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I suffered a XXXX  XXXX in XX/XX/XXXX. My wife has been handling our families finances. In XX/XX/XXXX we began receiving debt collection notices that we had never known about. I suspected identity theft .i am unable to obtain credit report from transunion or XXXX. Im unable to answer security questions because they dont pertain to me. Please help
Consumer complaint received 2021-05-23
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Santander Consumer USA Holdings Inc. (TN)

Santander consumer USA agreed upon a class action settlement from the year XXXX to present. The agreement state that are to forgive any loans provided between the year XX/XX/XXXX with qualifying factors. One of the factors being that the account had to have defaulted between the yearsXX/XX/XXXX in which my loan had done twice as a result of me not being able to keep up with the payments because of the increased interest rates. My states Attorney General did file a complaint within the class to deem all account holders eligible under those certain circumstances. I can provide proof upon request. This account is holding up from getting a house for my children. Any help provided will be greatly appreciated. This account is under litigation and should be deleted from my credit report.
Consumer complaint received 2018-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I have contact all three major bureaus regarding public record reporting invalidly they refuse to properly investigate and remove invalid account from report. Chapter XXXX Bankruptcy has wrong reference/ case number, filing date, liability amount. Liability/asset amount not XXXX, did not file XX/XX/XXXX or XX/XX/XXXX. Also based off new public record law XX/XX/XXXX " All Account invalidly reporting will be removed ''. been trying to get this item removed for 2 years now
Consumer complaint received 2020-10-13
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-10-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: International Computer Systems, Inc. (MO)

I paid my bill in full. The collections was deleted from my report but still remains on my report as a reason to why my credit score is still lowered. I was told when I paid in full it would be removed from my credit report and increase my score.
Consumer complaint received 2018-09-25
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. (FL)

I am extremely tired of Experian 's games. I have been disputing for a couple of months now with them and the other major bureaus, making sure that all reporting accounts have been properly verified & validated. Every single one of the disputed accounts were deleted from my XXXX because they could not be verified or validated. Now, please tell me how in the world these SAME ACCOUNTS are found to be " verified '', " valid '', and " accurate '' with Experian! Furthermore, I actually gave them PROOF of their deletions due to not being able to be verified/validated. I have attached my letter to Experian and the enclosure. An account is deleted when there is no original documentation ( bearing my signature ) that makes me responsible for a debt ; so, again, how is an account verified and unverified at the same time?? Experian is complicit in allowing these companies to violate the law and using illegal business practices. I know from previous experience that Experian loves demanding proof of the consumer ; I gave it to them, and they're STILL being XXXX. To top things off, they did not give me the full 30-day investigation. They " investigated '' in a matter of a few days claiming these unverified accounts are verified. Seriously?? I demand that Experian delete the disputed accounts. It makes absolutely no sense for accounts to have been proven & reported 'deleted ' and 'unverified ', yet claim the opposite and try to remain elsewhere.
Consumer complaint received 2018-09-25
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: AES/PHEAA (TX)

FEDERAL STUDENT LOANS are on only one credit report ( XXXX ) but has been removed from XXXX and XXXX. XXXX was breached as well as XXXX XXXX and my information was compromised. I filed an Identity Theft Report and XXXX has refused to remove the disputed accounts which is not uniform with the other 2 credit bureaus.
Consumer complaint received 2022-04-06
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. (NJ)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( Account Number XXXX ), has violated my rights. 

n accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX ( Account Number 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
Consumer complaint received 2021-09-16
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. (GA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2018-09-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (CA)

Repeating phone calls to my home, asking for payment. I have told them I do not have an account with Wells Fargo and my birth date and social security number are different. Please stop calling me for collection. I was told they would stop, several times. I have received 27 more calls from Wells Fargo since XX/XX/2018 : ( from XXXX ) XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX ; XXXX ; XXXX ; & XXXX XX/XX/XXXX @ XXXX ; XXXX ; XXXX ; & XXXX XXXX @ XXXX & XXXX XX/XX/XXXX @ XXXX & XXXX XX/XX/XXXX @ XXXX ; XXXX ; XXXX ; & XXXX XX/XX/XXXX @ XXXX ; XXXX ; & XXXX
Consumer complaint received 2018-09-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: United PanAm Financial Corp. (TX)

Vehicle was a volunteered repossession and was declared in a Chapter XXXX Bankruptcy proceedings. This company is FRAUDULENTLY reporting on my credit report as an active account and this account has been closed for at least 5 or more years. Company is trying to FRAUDULENTLY INDUCE myself, a real living man, to make payments on a repossessed vehicle, as if I'm still in possession of the vehicle with a FRAUDULENT CONTRACT in which my name in CAPITAL LETTERS is the debtor. I am not the surety for this name in CAPITAL LETTERS!
Consumer complaint received 2023-01-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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 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 XXXXXXXX In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions
Consumer complaint received 2021-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

XXXX XXXX AND EQUIFAX ARE SHOWING LATE PAYMENTS ON MY XXXX XXXX ACCOUNT WHICH WAS CORRECTED BY XXXX XXXX AND UPDATED INFORMATION WAS SENT OUT TO BOTH BUREAUS. THESE LATE PAYMENTS MUST BE UPDATED AND CORRECTED IMMEDIATELY
Consumer complaint received 2018-09-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

Opened the account on XXXX. 
Received a direct deposit on XXXX. 
Still have not received the {$400.00} bonus yet. 
Have already contacted the customer service. No response.
Consumer complaint received 2021-07-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation (IL)

Shortly after I got the loan from this company they fraudulently took money out of my bank account without my permission they wrote a check and took money out of my bank account when I never even had a checkbook or anything like that I contacted my bank and they fixed the issue within my bank account but the company fraudulently took take money out of my account under false pretenses. When I contacted the loan company about this they hung up on me.
Consumer complaint received 2021-02-09
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am currently on unemployment in California and my recent payment was stolen on XXXX due to a fraudulent withdrawal at a Bank of America ATM in XXXX XXXX. I reside in XXXX. I have my unemployment debit card in my possession. I have tried to call Bank of America regarding this fraud because they are the ones in charge of disbursing funds but they referred me to EDD. EDD doesnt have a single clue how to handle this, meanwhile Im out {$2000.00} which I desperately need to pay bills/Mortage. Why is it so easy to steal our money? Why cant the red tape be cut so I can take care of my family? EDD is a mess. BofA is a mess. Who will lose their job over this because my tax dollars are being well dispersed among thieves and the desperate tax paying people who need them are again the losers. Please get me my payments.
Consumer complaint received 2017-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Trouble contacting Equifax. Need to have the following shown on Equifax Report XXXX. XXXX, dated XXXX XXXX, XXXX show " ACCOUNT CLOSED BY CUSTOMER '' under " COMMENTS '' by item numbers as follows : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

My credit report is showing late payments to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative.