davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (OH)

The accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (NV)

Hello : I attempted to sign up with my PHI on Experian XXXX. I was alerted that I already had an account. 

When I attempted to log in using my over decade long email address and most commonly used passwords, I couldn't get in. So I requested a new password though the forgot password link. I received a message my password reset request was going to an email address I'd never used before. 

I've reached out to experian and received the full email address XXXX from the representative. The representative informed me that the account was just opened on XX/XX/XXXX and not been accessed until I attempted as mentioned above. 

The experian XXXX rep XXXX informed me that he updated my email address so I can log in with my real email address. 

However, after disconnecting the email address is still set to XXXX. 

This email rang familiar because we were looking for a new place back in XXXX of this year, 2022 ; We ran into a scammer who was using the same email address.
Consumer complaint received 2020-10-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: AMERICAN EXPRESS COMPANY (NJ)

Owned card for 21 years, never late. Amex offered a 'payment ' agreement, under Covid, I recorded the agreement with my wife on the phone, they didn't record the agreement. I paid the agreed amount in XXXX and XXXX, yet they reported the account 30 days late to all credit reporting agencies damaging my credit. All my calls are routed to XXXX XXXX where nasty, disrespectful representatives try to collect the money making false threats of improvement and arrest. Under Fair Debt collection Practices Act they have violated all rules, late calls from XXXX, 12 times a day on my phone making false threats, I have recorded the conversations as well. Call them 7 different occasions, I have 4 supervisors id 's and nothing has been resolved. 
I will proceed legally with a lawsuit as well as for all damages this has caused me and my wife.
Consumer complaint received 2023-01-11
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 been violated my rights 15 USC 1681 XXXX XXXX # XXXX Has violated my rights 15 USC 1681 section 602 A,. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish account without my written instructions 15 USC 1681 ( a ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2021-04-30
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. (GA)

I was declined credit from XXXX XXXX because of some incorrect information that Experian reported to them. See below what they submitted to XXXX XXXX : The revolving balance ( s ) on your XXXX XXXX accounts is too high. 
The number of credit card accounts on which, in our estimation, you have not paid a majority of the balance in recent months as indicated in your credit report. 
The amount of your payments in relation to the overall balance on your XXXX XXXX account ( s ). 
Proportion of loan balances to loan amount is too high. 
All that information is incorrect. 
I don't carry any balance with XXXX XXXX. I pay them off before the due date. 
I don't have any credit cards with balances. I have a XXXX  % Utilization.
Consumer complaint received 2021-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

THESE COMPANIES WILL NOT UPDATE THAT THE ACCOUNTS WERE COVERED UNDER A CHAPTER XXXX BANKRUPTCY THAT THEY DID NOT FILE A CLAIM TOO AND NOW THEY WANT TO CONTINUE TO HOLD ME HOSTAGE BECAUSE THEY FAILED TO RESPOND TO THE BANKRUPTCY COURT IN A TIMELY MANNER XXXX XXXXXXXX XXXX FOR XXXX XXXX  Original creditor : XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX THESE ACCOUNTS WERE COVERED IN MY BANKRUPTCY PLEASE REMOVE THEM FROM ALL 3 CREDIT REPORTING FILES
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: EQUIFAX, INC. (OH)

The accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TN)

SOMEONE IN THE XXXX  AREA HAS USED MY INFORMATION OPENING ACCOUNTS AND USING MY NAME TO BUY THINGS I LIVE IN THE XXXX AREA I HAVE NEVER LIVED IN THE XXXX AREA.
Consumer complaint received 2020-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NJ)

In XXXX of XXXX I noticed two fraudulent charges on my Citibank Visa card by a company called XXXX XXXX. The charges were made on XX/XX/XXXX for the amount of {$2400.00} and XX/XX/XXXX for {$2400.00}. 

The following month ( XXXX ) there were two more charges : one on XX/XX/XXXX for {$1400.00} and another on XX/XX/XXXX for {$1400.00}. 

When I initially disputed these charges in XXXX I was told there would be an investigation of the disputed charges, and soon after I received an email that the dispute was corrected and the charges were rectified. 

In XXXX these charges seemed to be resolved and I was issued a credit for them by Citibank. 

In XXXX there were two more charges in the amounts of {$2400.00} on XX/XX/XXXX and {$1400.00} on XX/XX/XXXX, these charges were categorized as " Reverse " from XXXX XXXX. I immediately contacted Citibank and they very rudely explained that I had been credited twice once by XXXX and again by Citibank Visa and that is why I was being charged again. I have no dealings with XXXX and never received credit from them, maybe Citibank was credited but I was not. This explanation was explained rudely and condescendingly by a woman named XXXX and a man named XXXX in Customer Service. After what seemed like hours I was directed to the fraud department where I requested an audit of my account. I was told someone would be contacting me soon to let me know my current balance. As of today, I have not been contacted by anyone in the fraud office.When I went online to view my current statement there was another " reverse '' charge to my account. 

I was not credited by XXXX and these charges should be permanently removed. I now have a substantial bill and have been rudely dismissed by XXXX, XXXX, XXXX and other Citibank representatives. My feeling is that if a merchant has billed someone in error, the fraudulent charges in dispute should not be my concern, the resolution should be Citibank 's. My concern is I don't want these charges on my card and I don't want my credit disrupted by incompetence and fraud. 

Please tell me how I can correct this situation and not pay any interest or fees relating to this dispute.
Consumer complaint received 2020-01-21
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. (DE)

My complaint is with XXXX and Experian Credit Bureaus.I have verifiable proof from the agency ( Attorney General Texas Child Support Account number # XXXX ) reporting info. And it is opposite of what XXXX  is reporting. XXXX  is Reporting my account over 180 days late as is Experian. XXXX   says they verified it, but there is no way. the same is true of Experian. I have submitted documented proof admissible in a court of law showing all my payments have been up to date. They must correct this info or delete the derogatory info. It has hurt my ability to obtain credit. I have filed complaint with XXXX  3 times online always getting answer verified. And 2 times written to XXXX  with the same answer. This is false info. I have submitted all documents proving my case. Please help me as this info they are reporting for Attorney General Child Support account # XXXX is totally false. I am attaching all documents for you to see. I have asked over in over to correct it or delete it from my reports.
Consumer complaint received 2022-11-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$330.00}
Consumer complaint received 2021-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (GA)

I purchased a product from Mayfair online at the time covid 19 was at it high point XXXX  I bought a awning for my house, the ironing was {$350.00} I made contact with Wayfair to return the product, Wayfair at that time was not excepting any returns because of covid 19 and they told me to keep the product and they were going to give me a store credit as though it was returned, the awning also had insurance on it at the time... Comenity Bank took over Wayfair account and claimed I owed them for the awning, l sent them 4 certified compliants with documents from Wayfair showing the account was paid in full and the account was closed, they continue to change me and add late fees to the account and place a negative report to my credit report, please advise me to what I should do ... thank you
Consumer complaint received 2021-04-30
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)

There are 6 accounts on my credit report that do not belong to me I need these removed asap I have filed for FTC I have been disputing these since XXXX of 2020 and I am getting pretty ticked off since I am spending days and days on these trying to save my credit from accounts that are not mine they do not belong to me I have no idea how these are on my credit and who put these there. I own no such cards or accounts. 

Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX BANK Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX BANK Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account
Consumer complaint received 2020-12-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (AZ)

I believe that my Heloc is taking advantage of me through their charges on my monthly payments, I have been paying ballooned payments to the principle for over a year now on those over payments they are taking service fees out of the principle payments I believe this loan as is is charging me way to high interest charges I need help to see if I'm not getting taken advantage of, I am retired and on a Budget.
Consumer complaint received 2018-07-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC (IL)

In a letter dated XX/XX/2017, Monterey Financial Services LLC located at XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, CA claimed that they have been assigned a debut form XXXX XXXX XXXX for servicing. The debt balance is listed as {$50000.00}. 

We replied with a letter on XX/XX/2017 with specific instructions of providing detailed info re this debt but have never received any response. 

We have never engaged or used XXXXXXXX XXXX XXXX in any way in the past of present and do not believe this debt is ours to pay. 

Since that letter, we have been called on a regular basis by XXXX XXXX XXXX to try and get us to address the debt. Now, this same group is calling relatives in an effort to bully us into paying for a debt that is not ours.
Consumer complaint received 2018-07-20
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Onity Group Inc. (OK)

In XXXX we filed for Chapter XXXX and a repayment plan. Ocwen Mortgage bought our mortgage in XXXX of XXXX. We came to the end of the Chapter XXXX at the end of XX/XX/XXXX. Ocwen signed all the necessary documents showing the end of this plan. Starting in XXXX of XXXX, Ocwen started billing us for back interest and late payments and any other fees they could come up with. The bankruptcy court notified Ocwen to correct all of these additional fees. They were also in contempt of court due to not showing up for the court hearing. The payment on this loan has not been paid since XX/XX/XXXX due to the attorney telling us not to make it until everything was corrected by Ocwen. Ocwen is hiding all of this and not even reporting it past due on the credit bureau.
Consumer complaint received 2023-01-11
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. (GA)

This XXXX XXXX XXXX account just showed up on my credit report and does not belong to me. I have included the fraud report as well. Please remove this asap. 

XXXXXXXX XXXX XXXX XXXX XXXX Report Date : XX/XX/XXXX Account Number XXXX XXXX  Date Opened XX/XX/XXXX XXXX
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 — Account information incorrect
Company: EQUIFAX, INC. (LA)

On XXXX XXXX I mailed notarized disputes to each of the credit bureaus after reviewing my reports and noticing some inaccuracies. It has been 90 days and still no response. In addition I called on today and they claimed to have never received them. I am well aware that by law the bureaus are allotted 30 days to conduct and investigation and respond. It has been triple that amount of time and I feel like that this is a gimmick to prolong and or avoid responding to my disputes. By law these items need to be removed completely! Each of the bureaus have already violated my rights as a consumer. 
I have attached the referenced disputes to this complaint in hopes that this will make this comply with the LAW! I will proceed with litigation if we can not come to a resolution in a reasonable timeframe.
Consumer complaint received 2022-08-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WSFS FINANCIAL CORPORATION (PA)

On XX/XX/2020, Pennsylvania ordered an eviction and foreclosure moratorium. Per the order, any XXXX XXXX notice sent after XX/XX/2020 would be considered as sent on XX/XX/2020 after the order expired on XX/XX/2020. For reference, please visit : https : XXXX % XXXX % XXXX % XXXX Borrowers were sent an XXXX XXXX notice on XX/XX/2020. Therefore, that notice should have been deemed to be sent on XX/XX/2020 and borrowers should have had XXXX  days to consult with an approved XXXX Credit Counseling service. Instead, however XXXX filed a XXXX XXXX XXXX XXXX. 2020 XXXX XXXX XXXX on XX/XX/2020. That premature and unlawful foreclosure action caused the following : - Borrowers were negotiating their Loan Modification after the Foreclosure was filed, and were already in a position of severe disadvantage in negotiating a fair modification because the date for Borrowers to answer the Foreclosure complaint was quickly approaching and Borrowers did not want the legal proceedings to continue. 
- Borrowers were left with little choice but to agree with the XXXX viable option presented to them for Modification which included a payment that was nearly {$1000.00} more than their original payments had been. 
- Borrowers were assessed a significant amount of fees related to the Foreclosure action which should never have been assessed because of the premature and unlawful Foreclosure filing.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again
Consumer complaint received 2018-07-20
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc. (MD)

Over the past month every day during the week and on the weekends. I receive a phone call from XXXX from XXXX XXXX. She has called my job at least 3 times and two times after the first time I told her not to via a voicemail. She keeps trying to pressure me into a cost in which I told her at this time i can't have phone conversations with you either i'm at work or I need to legitimately need to look to see if I can afford the cost by looking at my incoming and outgoing expenses. However, she calls every day not even allowing a chance of reprieve. Calling my job was really the last straw as I told her I can have issues at work, if she continues with her calling my job.They never even say the company in which I owe they just state their collection agency moreover, they give an added cost to the loan ( payday ) They include at least XXXX dollars more than what I actually owed. This started Second week in XX/XX/2018 and is still occurring at this time. I stated to her the reasons I couldn't afford to keep paying the loan company was because I couldn't afford the ridiculous interest rate and asked them if they could reduce and they wouldn't. I do have intentions of paying the company that I loaned this money from however, I do not have intentions of paying a debtor who may or may not have acquired my debt. Due to my husband loosing his job and me trying to care for a family of XXXX it has not been financially feasible.
Consumer complaint received 2019-05-14
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CO)

I had 3 store credit cards where Synchrony Bank was the bank. An Amazon Store Card, Guitar Center Card, and a Lowes card. All cards were paid and never late. All cards had {$0.00} balances. My credit report does not have any late payments. In the last couple weeks, Synchrony has closed at least 2 of these accounts without notice.