davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-14
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: SYNCHRONY FINANCIAL (NV)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
XXXX XXXX XXXX XXXX lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or update the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor, otherwise update this account immediately. UPDATE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
SYNCB/PPC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (MO)

On multiple occasions since 2018 XXXX XXXX/Resurgent Capital/LVNV Funding LLC have placed collections on my credit reports. Ive challenge it multiple times and the credit bureau would remove them, then after 30, 60, 90, 120 days or longer these two companies which are the same Resurgent Capital and LVNV Funding LLC have gotten the credit bureaus to put the negative false debt information on all three of my credit reports. I will include copies of the multiple certified mail letters that I sent them in which they never responded nor provide proof to me of the alleged debt. They have willfully engaged in fraud and violation of the FCRA and are involved in racketeering and fraud.
Consumer complaint received 2022-12-14
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. (CA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX  XXXX .... Balance : {$8500.00} XXXX XXXX XXXX XXXX XXXX XXXX. Balance : {$290.00} ; XXXX XXXX XXXX XXXX. Balance : - ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX CA XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX
Consumer complaint received 2022-12-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (GA)

The mortgage offered Covid relief and did not disclose the balloon payment.and refused to extend me loan modification. I received a modification in 2018 and according to them the investor allows one modification for the duration of the loan. 
I requested a current mortgage statement but they will not release the current mortgage statement. I explained that current mortgage statements is required by Georgia XXXX XXXX in order to receive aid. 
Instead they have placed my home in foreclosure using fraudulent assignments that have well known robo signer. I have sent QWRs twice this year and neither have been resolved. Im over XXXX  years and they have clearly taken advantage of me by not advising me about the year deferment. Theres no way I would have accepted this if I would have been given the all of the facts. 
The assignment are definitely conveyed after the cutoff date of the trust that filed with SEC. This loan was also apart of the global wide settlement.
Consumer complaint received 2019-05-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (PA)

In XX/XX/XXXX I applied for a loan modification. Following the tr oak procedure i was told the y would be withholding a mo XXXX  's payment and it could possibly show up as a late payment but it could be explained and fixed. And besides it would go away after 12 months on my credit report. No matter i made the payments anyways received the modification and my credit was fine. When it showed up as a late payment i had Ocwen Mortgage contact the credit bureaus. They fixed it and the payments showed up as current and my payment history was 100 %. In XX/XX/XXXX XXXX XXXX took over my mortgage. When this happened Ocw an closed out my mortgage with showing up a LATE mortgage payment AGAIN for XX/XX/XXXX! This has also happened in XX/XX/XXXX when Ocwen took over our mortgage from XXXX!! This is WRONG and I want it fixed ASAP
Consumer complaint received 2016-11-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I have contacted Equifax with regards to an unknown collection account # XXXX reporting on my credit file. This company is unknown to me and this debt do not belong to me. I have informed Equifax that I had been a victim of identity them and they continue to ignore my request to remove this account from my credit file. I need your assistance in getting this matter resolved once and for all.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSWORLD SYSTEMS INC (CA)

This is for a Perkins student loan. I did not receive any statements ( online or via mail ) starting after XX/XX/XXXX for my account. Every time I logged in to my account online, it said {$0.00} was due and that no interest was accruing. I thought that this was because of the federal student loan pause. In the middle of the month in XX/XX/XXXX, my account all of a sudden showed past due and interest had accrued ( my balance went up due to interest and late fees ). I did not receive a statement for this. I called the company in XXXX to ask what happened that they told me it was an internal error that erroneously marked my account as matured, and therefore it stopped sending me statements since XX/XX/XXXX. It was flagged in XX/XX/XXXX and then the account payments resumed, without them notifying me. I had just happened to log in to my online account for a second time that month to find out about the balance going up and past due payments. When I called the company in XX/XX/XXXX, they assured me this would not be reported to the credit bureaus and that I would need to file a forbearance form. I told them I didnt want future forbearance, but to have the past due amount and related interest removed from my account. I filled out the form anyway stating all of this info, and the they changed my account information online to show I was current and had late fees removed ( but interest from this time period was never removed ). In XXXX, I received notice from my credit monitoring service that my credit scores from all three credit bureaus had gone down by an average of 40 points due to a missed payment on this student loan account that had been reported. I called the loan servicer to ask for this to be removed since it wasnt my fault, and they said it would be removed at the end of the month ( XXXX ) since the account now says current. I also filed a dispute with all 3 credit bureaus stating what happened. The dispute did not change the past due payment listed on the account. As of today ( XX/XX/XXXX ), my credit reports all still reflect the erroneously reported past due payment. I called the loan servicer today and they showed on their end they had reported to the credit bureaus that there are no past due payments and there was nothing else they could do. I asked them for a formal letter stating all of the above information in case I need it as an explanation for the negative mark on my credit report. They said they can send an email to me and request a formal letter, but it is not guaranteed.
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Westlake Services, LLC (GA)

I have contacted this company multiple times. As shown in my history with cfpb. The debt with this company was included in XXXX XXXX  by Westlake and I was advised I was not responsible for the debt. Was discharged from XXXX XXXX XXXXXX/XX/XXXX and received discharge notice as well as letter from Westlake showing debt discharged and I'm not responsible. Westlake as of XX/XX/XXXX has went in and updated my report to show 5 months late XXXX XXXX XXXX XXXX XXXX all dates after my discharge date of XX/XX/XXXX. They have since updated my account credit report which once indicated discharged in bankruptcy to a charge off and dropped my score XXXX points. No reaffirmation agreement was signed.
Consumer complaint received 2023-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (TX)

In XX/XX/2022 a representative with Rental Recovery Solutions contacted me to recover a debt entered by XXXX XXXX XXXX XXXX. 

After repeatedly explaining to the representative of the debt not being owed, ( as the judge gave me a Writ of Re-Entry into the property ), the representative became belligerent and accused me of yelling at her. The conversation became even more hostile, resulting in my blocking the representative and the company from further contacts with me. 

To date, two bureaus removed the debt, CFPB referred it to the FTC, XXXX is still investigating, and XXXX is still contacting me regarding this debt, as it is actively being investigated, as fraudulent. 

Because Ive informed XXXX previously that I did not wish to communicate with her any further regarding this debt, and contacted CFPB accordingly, the company should not contact me to restart the collection period. Her obligations to collect should stop as its being investigated and removed accordingly from my credit reports as a fraudulent debt. 

The company is actively trying to collect a debt that is actively being removed from my credit and referred to the FTC and should be stopped from doing so, while in the investigation phase.
Consumer complaint received 2022-12-14
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: CITIBANK, N.A. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I have a loan with XXXX XXXX XXXX XXXX. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all three ( 3 ) credit reporting agencies & they too are withholding any verifiable proof, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I believe their records are wrong & Id like this matter handled ASAP. Please update to paid as agreed/never late. 

XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Consumer complaint received 2023-01-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

I was scam XXXXXXXX XXXX throughout a scamm I made a complaint 9 times to my bank and also a police report in 2022 instead of the bank Even give me back half of the money they close Down my relationship with them because they don't want to be responsible
Consumer complaint received 2023-06-14
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: EQUIFAX, INC. (CA)

I have been sending dispute letters since XXXX last year and they have completely ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone way past the 30 day mark and can not verify the account under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete Account # XXXX. Please resolve this manner as soon as possible thank you
Consumer complaint received 2016-10-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed :
Consumer complaint received 2023-06-14
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)

It is reported that I was 30+ days late on a Bill. On XX/XX/XXXX the company listed above charged me a fee of {$39.00}, prior to that day this account had a XXXX balance. 

On XX/XX/XXXX, I received a notice from a credit monitoring service that a delinquency was reported to my credit history by XXXXXXXX XXXX XXXX. I signed into my account with XXXX XXXX XXXX and observed that they charged me this {$39.00} fee which had a due date of XX/XX/XXXX. I immediately paid the balance. However, I never received a paper bill, an electronic bill, late notice, and/or a phone call that I had this balance with them. 

I contacted XXXX XXXX on XXXX XXXX and spoke with a representative and advised that I never received any notice of this bill. The representative advised that no bill was mailed or no electronic statement was sent. The representative advised a dispute would be put in to have the delinquency removed and advised it would take up to 14 days. 
On XXXX XXXX the delinquency was still showing so I followed up with XXXXXXXX XXXX XXXX and spoke with a representative who advise that the dispute was approved and should show removed. 

On XXXX XXXX the delinquency was still showing, so I contacted XXXXXXXX XXXX XXXX  again about the matter and was transferred to a supervisor. The supervisor advised that the dispute was denied. After providing all the above details to the supervisor, she advised that no notification was made because the email on file was not valid. I provided her with my email of XXXX, and she advised that email was the one they had on file. Also in the past Ive received previously from XXXXXXXX XXXX XXXX electronic statements. She also advised that someone attempted contacting me at XXXX ( my cellphone number ) on XX/XX/XXXX at XXXX pacific time ( XXXX central time my time ). I check my phone records and did not have an incoming phone call at that time. The supervisor advised that she would put in another dispute form based on the above information. 

On XX/XX/XXXX the delinquency was still showing, I contacted XXXX XXXX XXXX again. I was again transferred to a supervisor. The supervisor advised that the dispute was denied. I was instructed to mail a letter to dispute the matter. 

I am requesting an investigation into this matter and requesting that these delinquencies be removed from my credit history. Its apparent that an error occurred in regard to notify me of the bill, which I was capable of paying if aware of it, and I am paying the consequence of that error. I have never been late on any of my bills since being with XXXXXXXX XXXX XXXX  and Im willing to take this as far as necessary to have this removed because this is a very serious matter to me.
Consumer complaint received 2023-03-29
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: LEXISNEXIS (AL)

I disputed the bankruptcy on the report. the bureau sent back and said it was validated/ verified so I reached out to the courts and the court said they do not provide information to the credit bureaus so somebody is lying.
Consumer complaint received 2023-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (MN)

When I banked with Wells Fargo they talked me into a military account. When they switched my account, they inadvertently removed my {$1000.00} line of credit which was a free service and provides flexibility with finances. Assuming I still had a line of credit, I bought car tires before a check I was getting that week fully knowing I was using my line of credit to cover a portion of the cost. 

Wells Fargo charged me over {$500.00} draft fees for purchases like gum etc. I actually went to the XXXX, XXXX XXXXXXXX XXXX and explained how this happened. The manager even agreed how the mistake could have occurred but refused to remove the fees. The manager did said sorry, however their policy is a {$100.00} forgiveness. I told the manager fine, take this {$500.00} and close my accounts immediately for providing horrible service and I will tell many friends and family to never bank with Wells Fargo for converting an account and removing a free service which was the mistake of the Wells Fargo rep. I have successfully steered many of my family and friends away from Wells Fargo over the decade and know for sure they lost a ton of customers with poor practices of running a business not putting their customer service as a priority. During my XXXX program, I share this story with my class and not to my surprise many others have experienced poor service. XXXX employees of Wells Fargo was in my class and they admit they are ashamed of Wells Fargos practices and leadership but they have hopes that new upper leadership turns it around. I dont keep up on Wells Fargo or care to, but do hope they have learned a serious lesson to not be so scandalous and teach leaders to make right decisions. 
They need incentivize people off of great customer experience scores instead of financials for the company. In the end customer satisfaction, empathy, and good leadership is how they should bank.
Consumer complaint received 2020-10-09
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: Experian Information Solutions Inc. (GA)

I have sent disputes every 45 days since XXXX. XXXX  hasn't responded and when I call them they refuse to provide any information. One of the companies I was able to speak with over the phone has said they've requested the urgent to be removed from my  report since XXXX and XXXX has refused to respond. I have the email from XXXX executive office stating that it should be deleted and XXXX still hasn't responded. 
XXXX  keeps saying an account is verified but when I call the company they say they have XXXX the account out and is no longer able to assist me. I request documentation but hasn't received anything from them. XXXX  also refused to respond or update my file. Experian says the information is updated after receiving information that XXXX has requested it to removed from my credit report and all refuse to.
Consumer complaint received 2020-10-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have sent disputes every 45 days since XXXX. Transunion hasn't responded and when I call them they refuse to provide any information. One of the companies I was able to speak with over the phone has said they've requested the urgent to be removed from my report since XXXX and Transunion has refused to respond. I have the email from XXXX executive office stating that it should be deleted and Transunion still hasn't responded. 
XXXX keeps saying an account is verified but when I call the company they say they have XXXX the account out and is no longer able to assist me. I request documentation but hasn't received anything from them. XXXX  also refused to respond or update my file. XXXX  says the information is updated after receiving information that XXXX has requested it to removed from my credit report and all refuse to.