davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-20
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: Perfection Collection (FL)

XX/XX/2018-I submitted two letters to XXXX regarding an account that recently showed up on my report in which I am disputing. I have no knowledge of this account and asked that the physically/manually verify this account information. The results of their investigation are simply, " verified '' however, i have asked that multiple items of this debt be verified because it does not belong to me. I have also found that the accounts in question Perfect Collection, based in Utah and XXXX, with an address in Ohio and Florid may not be licensed to collect in the state of Florida. I am in the process of submitting a complaint to the FTC Department. 


XX/XX/2018-I received results of the investigation simply stating the following, " the company that reported the information has certified to XXXX/XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. "  XX/XX/2018-I sent a certified/return receipt letter to XXXX formally asking that they provide actual EVIDENCE that I have a legal obligation to pay and ask that they provide detals of the monies they say I owe as well as provide me with a copy of the judgment they received, to identify the original creditor, copy of an agreement, as well as a copy of their license to collect in my state. I received noticed from them XX/XX/2018 simply providing a list of accounts with balances and no further details of what I had originally requested. 

XX/XX/2018-XX/XX/2018 and XX/XX/2018 I have also sent a re investigation request into the accounts that XXXX/XXXX/XXXX  claim that they have verified via certified mail. 

XX/XX/XXXX-I sent a letter to the collection agency Perfect Collection asking that they provide me with the full details of what they claim I owe, license information, original creditor information, payment history, proof they are licensed to collect in my State which I have found they aren't, as well as a cease and desist letter since they have attempted to contact me at my place of work as well as social media platforms on XX/XX/2018 and XX/XX/2018. I provided they with my findings and a copy of the Florida Statute they are in violation of. 

XX/XX/2017-XXXX  sent notice that the accounts in question had been removed due to unable to verify, however, XXXX  is refusing to comply.

I have been disputing the debt with XXXX since last year and XXXX is the only company refusing to comply and be in line with the other companies that have already deleted this information that could not be verified. In turn they are repeatedly sending me basic information as to how they verified with the third party these debt belonging to be which is a clear violation of my rights.
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (CO)

Reported to the Credit bureaus as 6 hard inquiries that impacted my credit score from XXXX XXXX XXXX XXXX in which was XXXX and also from the same company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX and the date of inquiry XX/XX/XXXX. Also, XXXX XXXX in which the date of inquiry was XX/XX/XXXX, INFORMATION XXXX, the inquiry date was XX/XX/XXXX, and XXXX XXXX XXXX XXXX, the inquiry date was XXXX and CITIBANK NAXXXX, XXXX XXXXXXXX the hard inquiry date was XX/XX/XXXX. XXXX XXXX XXXX  and Citibank are unrecognized credit companies to access my credit report for this reason. A recent company that goes by CITIBANK NAXXXX, XXXX XXXX reported a hard inquiry on XX/XX/XXXX. Inaccurate information was disclosed by the employee when gathering my information for the credit card application. I was told it would be a soft inquiry. The employee authorized permission to give his phone number which is 9704248812.THe dispute confirmation number provided by XXXX is XXXX For all the hard inquiries mentioned above, I didn't give the company authorization to access my credit report for this reason. All 6 hard inquiries from the companies have been reported as a dispute and submitted to the credit bureaus. The dispute confirmation number is XXXX
Consumer complaint received 2021-03-25
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 — Investigation took more than 30 days
Company: BARCLAYS BANK DELAWARE (NY)

I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any results from my investigation.
Consumer complaint received 2020-12-10
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: EQUIFAX, INC. (IL)

All three credit bureaus are denying my opportunity to live a better, prosperous life by reporting false information on my credit score. I have contacted the companies that the original creditors and they tell me they have closed and charged off the account and can not do anything about it. They continued to tell me that i need to contact the credit bureaus to remove them from my record. I have sent several letter giving the credit bureaus an opportunity to set things right but refused to do an accurate investigation and remove those damaging items from my record as well as unrecognizable hard inquiries. In these days with so much hardship going on as far as getting employment. This inaccurate information could prevent me from achieving a better life.
Consumer complaint received 2021-06-21
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: EQUIFAX, INC. (FL)

I Have reported these account to the credit Buro of Fraduelnt and ilegal, these accou t are not mine and are reporting illegality, they are the result of identity theft i have provided then with all documentition, 1- Federal Trade Commission Report 2- XXXX XXXX XXXX XXXX Report 3-Identity Theft Victims Complaint Affidavit 4- XXXX Identity Theft Affidavit all document llegally you can provided and they continue reporting these account in my rcredit 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 2020-11-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect (TX)

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 
I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.
Consumer complaint received 2022-08-06
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. (MS)

I have been submitting letters since XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Regardless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal and deletion of the unauthorized inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-07
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: SYNCHRONY FINANCIAL (NH)

I called about these issues and the call was transferred to a not active line. 

I did not make any of these charges : XX/XX/2020 EXTENDED STAY XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX  XXXX
Consumer complaint received 2023-02-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (WA)

I have a Wells Fargo credit card account that I received through XXXX XXXXXXXX in XXXX XXXX WA. It is XXXX interest for 5 years. I am paying {$300.00} a month, slightly more than the minimum payment. The payment is due on the XXXX of each month. I utilize my online bill pay through another bank to pay this. 

One of my payments posted on the XXXX of the month and the other posted on the XXXX of the month. Wells Fargo stated that they could only reverse one fee but not the other. Their reasoning was that it was a XXXX interest account and the payment had to be posted on the XXXX, and stated in their disclosure. I got this credit card through the furniture store and no discussion about fees was had ; simply the XXXX interest. These discussions should be had prior to getting these types of cards.
Consumer complaint received 2022-12-08
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. (OH)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent ITEMS in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
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 XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$1700.00} ( Original Creditor : ) XXXX Balance : {$520.00} XXXX XXXXXXXX Balance : {$600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (IL)

I have or had a Sychrony Home credit card. When the pandemic started I continued to make payments to them as usual. Suddenly in XX/XX/2020 they marked my account closed and written off. I have never missed a payment with them ever. I could hardly believe this. Since then I have contacted them and they said their computer makes those choices. They have continued to send me statements saying I have to pay which I have been doing. This morning I realized they are charging me a high rate of interest on my account that is closed. I FEEL THIS IS UNFAIR PRACTICE AND THAT SOMETHING NEEDS TO BE DONE ABOUT THIS COMPANY. I AM SURE I AM NOT THE ONLY PERSON IN THIS SITUATION. IT IS UNFAIR AND UNWARRANTED. I AM ALSO TRYING TO FIND AN ATTORNEY FOR A CLASS ACTION LAWSUIT. I cant believe they can or are still charging me interest for this account. I pay on it monthly but what they are doing is terribly wrong. I hope you can and will do something about this company. I have seen many other complaints on the internet.
Consumer complaint received 2021-10-04
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX  SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX typeApartment complex XXXX XXXX XXXX XXXX, FL XXXX THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by
Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX  SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2020-05-22
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. (IL)

On XXXX XXXX I submitted proof to XXXX and Equifax that the Bankruptcy item was unverified. On XXXX XXXX I received an alert from XXXX stating that they will notify me when my dispute is complete. They fail to remove the accounts that I proved to be unverified. I filed a police report I also filed a identity theft report with the FTC as well as an affidavit. This item remains on my credit hurting my score after I demanded removal with 609 credit letters which ask to send the original documents of these debts or remove the items within 30 days these companies failed to act in removing these items.
Consumer complaint received 2020-07-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

Equifax leaked my personal information as well as the information of over 143 million Americans. This situation has affected me mentally as well as damaged my overall credit score and credit health. The three major credit bureaus XXXX, Equifax, and XXXX are now reporting accounts to my credit file that are a direct result of Identity theft. Credit reporting laws ensure that bureaus report only 100 % accurate credit information, and every step must be taken to assure the information reported is completely accurate and correct. 

I have requested debt validation, yet I have yet received any information in over 90 days. I am distressed that this account is currently being reported to my credit file. While I prefer not to litigate and contact the media, I will use the courts and publicity to enforce my rights under the FCRA. I will bring this information forth to a judge in my area, if these accounts are not removed from my credit file. 

The Fair Credit Reporting Act requires you to remove this account from my credit report as soon as possible. My lawyer has taken the steps necessary in order to bring this information forth to a judge in my area if this account is not removed from my credit file as soon as possible.
Consumer complaint received 2020-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NJ)

I have been on unemployment since the beginning that the COVID-19 pandemic hit, XX/XX/2020. I have received weekly checks from unemployment direct deposited into my Wells Fargo checking account since XXXX. On XX/XX/2020, I was trying to use my card to pay for groceries and I received that my card would not go through. When I tried to take money out that same day, it also would not let me take money out. The next day, XX/XX/2020, I contacted a Wells Fargo representative only for them to inform me that my account has been frozen due to " fraudulent activities. '' I was never contacted by a Fraud Prevention Specialist or received a claim number to identify my case. I am now going on 3 weeks and I have been informed that the reason my account has been frozen is because the unemployment checks that have always been deposited into my account have my mother 's maiden name, which is XXXX. I called unemployment and asked them to please confirm that my name is correct and they made the switch. I took this information along with my mother and her passport to confirm that this was just a last name typo and the change has been made. The banker informed me that due to this being " fraudulent activity '' they will be closing my account by Thursday, XX/XX/2020 and I will not be having my money returned. This is not only tarnish my reputation and credit but also lose the money that belongs to me.
Consumer complaint received 2021-02-23
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Rocket Mortgage, LLC (CA)

Today XX/XX/2010 ; XXXX XXXX  on a call with Quicken Loan representative XXXX XXXX ( my not be correct spelling ), I indicated numerous times that I am interested just in getting a range of mortgage rates for the scenario that I have and he stated the range is 3 % And I made many comments that he is not authorized and quicken loans have no authorization at this time to pull my credit, because I am aware of the impact on my credit report. I mentioned to him I am a banker and know the impact please know that you can not pull my credit report. 
After giving me a range of 3 % and continually telling me pulling my credit will have no impact, I responded No do not pull my credit under no circumstances. 
As soon as I hung up I received notification that quicken loan just has pulled a hard pull on my credit. 
For the last hour trying unsuccessfully get this issue reversed with XXXX/ the person whom I spoke does not pick up the call and other representatives are telling me that they did not pull my credit, meanwhile I have credit report reflecting it. 
XXXX XXXX dose not have an option on line to dispute and phone calls ends in a chain of That has no such an option
Consumer complaint received 2017-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (ME)

I have spoken with Navient several times, I have been very confused about exactly what I owe and how many loans I have. My loan is confusing. I started off with 2 loans one for {$3500.00} the other for {$4900.00}. I was so hesitant to go back to school, this is why! I was divorced in 2007, I was raising XXXX kids on my own and working 2 jobs. One is as a XXXX in the XXXX XXXX, working with XXXX XXXX XXXX. I have done this job for 13 years. I thought I could become XXXX XXXX. Both Universities convinced me I would get all kinds of grants because I was a single parent. I did not receive much help at all. My ex husband paid no child support either. I saw the loans getting bigger and decided I could not pursue my XXXX XXXX because I could not afford it. My loan has been sold to different companies and now because of interest and several deferments I owe around {$20000.00}! Through the years I have spoken to people at Navient relaying this information, they kept convincing me to do deferment. I have had to constantly work 2 and 3 jobs in order to live so these loans were not priority. I recently went to apply for a small mortgage because I am trying to find something more affordable and on my credit report Navient has several negative reports also I thought I had 2 loans and it appears on my report as 3! It has brought my report down significantly! I have also asked several times with the job I do is n't there any sort of loan forgiveness? I work with XXXX XXXX XXXX in a XXXX XXXX! Now my loan to find a cheaper place to live is not going through! I am stuck, confused and very frustrated!
Consumer complaint received 2018-09-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ALLY FINANCIAL INC. (WA)

We applied for a mortgage with Ally Bank and were approved to close on XX/XX/2018. 

A problem came up last minute where the city refused permission to repair the existing septic and required a city sewer hookup instead. The city was not able to provide dates where this could take place. 

1 ) Ally refused to close without the work being complete. Other lenders will proceed with a hold back of funds for the work. 
2 ) Ally refused to allow a new rate when the lock expired, instead instituted a {$340.00} fee every 5 days rate extension fee until the work was done. This is the equivalent of a blank check, which is not workable. 
3 ) Ally refused to release our appraisal which WE paid for up front so that we could use it for a mortgage company that was willing to close with a funding hold back. 

Ally gave us no options except an open ended and rapidly escalating fee. I feel our appraisal is being withheld out of spite as other financial institutions will transfer appraisals. The situation was not our doing, yet Ally gave us no option but to pay them thousands of dollars in extra fees.