davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-07
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Onity Group Inc. (CA)

I have a 100 % flawless record with PHH, yet they have referred me to collections. Sent me a letter that they are attempting to collect on a debt, and will inform the credit agencies with a negative report. I called them twice and both times when I asked why they sent me to collections they hung up the phone. A third call asking to talk to a manager and they refused. 

Calling into their automated system confirms my account is up to date.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PR)

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. Notation of the late payments for XXXX XXXX are inaccurate. Pleas investigate and verify that all data for this account is report accurately including every notation date and balance whether reported or not. 

I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to XXXX all statements and payment transaction records from the ere that would prove that my payment was not submitted on time g my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late please update my payment history to PAANL status ( Paid As XXXX Agreed, Never Late ) according to consumer protection laws. 

XXXX I contacted them and was to receive a call back, never received it. 

XXXX I contacted them again, no response. 

XXXX No resolution.
Consumer complaint received 2021-04-27
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I am writing to file a formal complaint against Experian regarding the failure to conduct a reasonable reinvestigation into inaccuracies on my credit report, as stipulated by the Fair Credit Reporting Act ( FCRA ). On XX/XX/2023, I mailed a dispute letter via XXXX certified mail tracking # XXXX, requesting an investigation into the following items : XXXX XXXX ( XXXX ), XXXX XXXX  ( XXXX XXXX ), XXXX XXXX ( XXXX XXXX ), and Bankruptcy ( Reference # XXXX ). Additionally, I disputed incorrect names and addresses listed on my credit report. To assist in verifying my identity and address, I enclosed a copy of my photo ID, social security card, and a recent bill. Despite my efforts to adhere to the FCRA 's dispute process, I received a response from Experian dated XX/XX/2023, stating : We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. This response indicates a failure on Experian 's part to recognize and process a dispute initiated by the consumer, as required by the FCRA. The Act explicitly mandates that if the completeness or accuracy of any item in a consumer 's file is disputed, the credit bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. I am submitting copies of my dispute letter, XXXX certified mail proof of delivery, and Experian 's response as evidence of my efforts to rectify the inaccuracies on my credit report.
Consumer complaint received 2022-08-15
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. (OK)

My identity/ personal information was stolen and used to fraudulently open several accounts. I have spent the an enormous amount of time contacting the 3 credit bureaus to dispute the in accurate information to no avail. Im asking you to help me get my life back. 

TRANSUNIONXXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX  {$500.00} XXXX XXXX  XXXX. {$100.00} XXXX XXXX. {$5100.00} DEPT OF EDXXXX XXXX {$7900.00} DEPT OF ED/XXXX {$5500.00} XXXX XXXX XXXXXXXX {$200.00} XXXX XXXX {$9900.00} XXXX XXXX {$5400.00} XXXX XXXX  {$0.00} XXXX XXXX {$0.00} XXXX {$0.00} XXXX XXXX XXXX  {$0.00} BANKRUPTCY XXXX XXXX XXXX XXXX XXXX XXXX$400.00} XXXX XXXX {$350.00} XXXX XXXX {$480.00} XXXX XXXX  XXXX {$930.00} XXXX XXXX XXXX {$3300.00}
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I have no public records associated with my credit report. I find this situation unacceptable. I urgently request that you rectify this and remove these entries from my report. The situation is causing me significant XXXX and distress
Consumer complaint received 2024-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (FL)

On XX/XX/XXXX I called Mohela to request a refund of all my payments done during the covid relief period. I have on my records I did XXXX payments of {$99.00} to Mohela and XXXX payments of {$99.00} to XXXX. They were only able to see payments done to Mohela. I was told they would further investigate but nothing happened. I requested my payment history and when received it didn't included the XXXX payments to XXXX. 

I messaged them directly on Mohela website on XX/XX/XXXX regarding the missing records, they never replied. 

I called on XX/XX/XXXX and they said they already requested the refund, that they can't give any other updates and I can just wait for the refund. They provided me XXXX transaction id numbers for their refunds issued on XX/XX/XXXX, but didn't explained what those were or disclosed the refunds amounts. Still, no information from my XXXX records. In the meantime I receive XXXX refunds of {$99.00} each ( total {$190.00} ). 

I called on XX/XX/XXXX and was told to wait, that payments are still in process, nothing more. 

I called on XX/XX/XXXX and they dont ' have any access to my payment history before I requested the refund. The only evidence is my payment receipts and emails. The agent transferred me to a supervisor to leave a message and be called back in XXXX hours, but the supervisor didn't returned the call. 

I called the Department of Treasury on XX/XX/XXXX and they can see Mohela sent a paper check to me to refund XXXX payments of {$99.00} ( total {$890.00} ) on XX/XX/XXXX, as they sent a deposit on XX/XX/XXXX but my account was closed so the check was returned to the sender. 

I have requested my payment history several times and they don't provide the full records. I have letters and emails from XXXX and Mohela that state all XXXX records were to be transferred to Mohela, so they should have those records and are just not researching them. Is outrageous they deleted all my payment history without notice, no email, no letter, and never found my XXXX payments done to XXXX.
Consumer complaint received 2022-08-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cedars Business Services, LLC (CA)

This is an update to my previous report today. Number Not Available. 

I incorrectly stated the time when I stopped processing Credit Cards, I still had done some processing through XXXXXXXX XXXX  XXXX, as I kept advising Client 's to find another CPA. However, after that date I did not process any more credit cards to date XXXX XXXX XXXX. Additionally, I mailed back their Credit Card machine to them. The Credit Card Company charged me through XX/XX/XXXX ( should have stopped in XXXX ). Another Credit Card Company showed up in a later year charging me and I had this stopped through the Bank.
Consumer complaint received 2020-12-06
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. (FL)

I am writing because I do not recognize certain items on my credit report. I have never done business with many of these companies, and dont understand how I would owe money or have anything that would appear on my credit report from them.
Consumer complaint received 2022-08-25
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: EQUIFAX, INC. (NJ)

I am a victim of fraud and this company is reporting numerous accounts on my consumer report i have asked this company to remove these accounts and they refuse to i have a FTC report and the number is XXXX. 15 usc 1681 A section 2 states that a consumer reporting agency can not furish a account without my written instructions and i challenge this company to provide the proof that they have my written instructions.
Consumer complaint received 2024-01-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I been advised to give EXPERIAN XXXX last chance to cure. I'm a FEDERAL PROTECTED consumer and federal laws have been broken. We have been dealing with this since XXXX. I been patient through this process and I been given the run around. So I want to be clear I do not want we still working on this. I do not want a simple its been verified, or this is a duplicate. I have to ask over and over because the items have not been presented. I do not want payments XXXX stolen from someone! To be clear I have not been given the wet signature contract between ME and XXXX stating I will pay alleged debt, or me given written instruction to furnish ANYTHING on my consumer report. I will have the CFPB send this to the FTC! Also on top of the items above I asked for. I also asked for the license to collect a debt in Florida, the license number and the date. Also the name on the license. The following federal laws have been broken. FCRA 609 and 605 as well as 623. Also 15 USC 1681a ( 2 ) ( I ) and 15 USC 6802. Also EXPERIAN have late payments, which VIOLATES my federal protected rights 15 USC 1681a2ai. Also 15 USC 1692g. So to be clear XXXX  AND EXPERIAN have not presented me said items, but yet continues to furnish said negative item on my consumer report. I DEMAND IMMEDIATE PERMANENT DELETION!!! IF NOT CFPB WILL HELP WITH LITIGATION AND REPORTING THIS TO THE FTC!!! 

XXXX- # XXXX Opened- XX/XX/2020 Chargoff account
Consumer complaint received 2020-07-07
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. (AR)

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me.
Consumer complaint received 2020-09-03
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

During Covid i have been out of work from XX/XX/2020 still until now husband caught XXXX from work and every family member got sick we all are not working. 
I check my credit report and i have 101 late payments on my credit file. all during covid ihave had my credit go from XXXX to a XXXX. I wrote all the companies telling them im not working due to underlying medical conditions and XXXX XXXX XXXX XXXX XXXX  with XXXX, its a high risk position so i have been out. XXXX XXXX -- reported me 13 times late XXXX  XXXX -- reported 7 times late, Capital One XXXX -- - reported me 21 times late, Capital one credit limit XXXX XXXX -- reported 16 times late, capital one XXXX -- reported 10 times late, XXXX XXXX XXXX reported 4 times late, XXXX   XXXX  XXXX -- -reported 10 times late, XXXX XXXX XXXX XXXX XXXXreported 8 times late, Capital one XXXX -- -reported 15 times late and possible could be the same accounts reported duplicates. I have 101 late payments and this is preventing me for getting any help. SBA just denied me by this information from XXXX, XXXX  and XXXX. All these compnies need to remove every late fee from XX/XX/2020 until Now. The president signed into effect the cares act and i can not get any assistamce due to my credit report entries of 101 late payments by companies listed above.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX via certified mail tracking # ( XXXX ), I sent Experian a letter disputing unauthorized accounts and info on my file, XXXX  XXXX Employees Credit Union ( Account No. XXXX ) as well as requesting documentation of my consent under FCRA Section 609. Experian did not fulfill these obligations. In addition, on XX/XX/XXXX I filed an identity theft report and claim with Experian per FCRA Section 605B. As you know, the FCRA requires bureaus to complete identity theft investigations and remove any fraudulent items from files within 5 business days of receiving a report under Section 605B ( a ) ( 1 ) and Section 605B ( d ). It has now been over 30 days since filing, yet Experian has failed to remedy the ID theft as federal law mandates under 15 U.S.C. 1681c-1. I believe they are in willful noncompliance with these consumer protection statutes. I urge the CFPB to investigate and compel Experian 's full correction of these matters, including immediate deletion of unauthorized personal details as prescribed by law. Justice demands no further violation of consumer rights and prompt resolution of ID theft damages. Thank you for enforcing consumers ' rights to privacy, consent and prompt fraud resolution. I stand available to provide support for your inquiry. Regards, XXXX XXXX
Consumer complaint received 2020-07-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (SC)

discover financial repoted to the major credit bureas that i am reponsible for A credit card debt that was open in my name. during the time the card was open i was in the hospital XXXX  XXXX and my home was robbed. I filed A poice report and the debt was deleted. then A year later they placed back on my file. the company removed it from my file twice, then put it back on. i am A victim of identity theft. my whole credit history has been ruined because of this.
Consumer complaint received 2020-07-07
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)

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me.
Consumer complaint received 2017-01-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

I was in the process of consolidating some items and my credit report was request. The lender indicated that Bank Of America was reporting payments late back about 7 years ago. I had the item researched with the credit bureaus and yet no one can give me valid proof as to when this account fell behind. I then turned my attentions to Bank of America directly with the hopes they would be able to send the information to me and they did not respond to the request. I would like to see the full history of this account.
Consumer complaint received 2020-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NJ)

On XX/XX/XXXX I sent XXXX through my XXXX account to Elite Travel ( XXXX ), for a trip to XXXX from XXXX XXXX. I was given this inforation about the company through a friend who works for an airline. This company offers deals traveling, all inclusively to the XXXX, XXXX XXXX, or internationally for a discounted price. During this time XXXX XXXX only accepted " XXXX '' payments bevasue of COVID 19. Once the documents were signed ( via online ) with dates of the trip and the hotel that was " reserved '' ( XXXX XXXX ). I changed the dates ( in the beginning of XXXX XXXX of the trip to the beginning of XXXX, because of COVID-19. I have not received any confirmation update about the trip. 

I called customer service and the representative stated the they will be back in the physical office on XX/XX/XXXX and then I would receive an updates confirmation. 
The representative stated the the hotel would contact me 15 days prior of the trip, even if the reservations was cancelled ( which is a call I have not received ). 

XX/XX/XXXX had arrived and went and I still have not received any confirmation. I then contacted the company again on XX/XX/XXXX, asking for a conformation. The representative stated that I would not receive one until 15 day prior to the trip ( which was stated for the first booking and I was never contacted ). I asked to speak to the supervisor and was given an email ( XXXX ). I sent an email on XX/XX/XXXX and XXXX and did not receive any reply. I attempted to dispute it with my bank ( Wells Fargo ), but because it was a " XXXX '' transaction I was not able to dispute it.
Consumer complaint received 2020-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (IL)

The company started charging me with Interest and Fees for payment delayed due to technical and COVID-19 reasons. 

The payment was discussed and was reported with the agreement that if the payment gets delayed and the computer generates automatic fees and interest, it will be rectified and adjusted. 

The fear came true, however, the credit card company started demanding those charges and refuse to adjust it to XXXX. The payment due was paid in full and the company does not have any issues with it. 

Originally I disputed the wrong reporting with the credit bureaus, however, to retaliate the company closed the account discriminately.
Consumer complaint received 2020-09-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (VA)

I have contacted Suntrust bank numerously since the beginning of XX/XX/2020 until XX/XX/2020 for mortgage receipts from payments from my origination date. They continuously told me to call the mortgage department but the mortgage department continuously told me to go to the bank where payments were made. I am only requesting a hard copy of my payment receipts with the payees name on them so that i can use them for another loan. They gave me the run around and then finally when i was at peaks end someone decides to help. She tried her best over the phone and even got in contact with the bank manager where the payments are made through and the manager agreed to do something. When we scheduled an appintment she accepted ownership but a bit too late and filed a paper so that we can get our needed receipts but to only call us the next day and tell us that they cant. I expected that. I have voice recording with the branch manager telling me she will order payment history with payee name on it but she couldnt come through with her promise. I lost the house i had an offer on due to the incompetency of the bank and tellers.
Consumer complaint received 2015-05-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (CA)

I submitted a written request to Experian to delete all other names other than my legal name, social security number and addresses with attached proof, it was denied stating it needs to be on record. The information they have is inaccurate and have provided all necessary documents needed to make corrections. Furthermore I disputed an collections account that is not mine I have resolved the issue with XXXX, they are stating the collection account is mine but XXXX fraud department has investigated and declared the account as fraudulent.
Consumer complaint received 2020-12-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

Hello, On XXXX XXXX I withdrew XXXX euros from my Coinbase account to my bank account using my credit card. On XXXX XXXX Coinbase accessed my bank account without authorization and stole those XXXX euros back to I-don't-know-where. The money is neither in my bank account nor my Coinbase account. I have sent like 20 messages to them and have no answer yet. Their phone number allows me only to solve account problems by talking to a machine. No human beings at all. I'm from XXXX and I feel totally XXXX since I'm afraid they have stolen my money, which I will never see again. 
XXXX.