davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY (TX)

In accordance with the fair credit reporting act This creditor has violated my rights under 15usc1681 section 602 states I have the right to privacy 15usc1681 604a section 2 it also states a consumer reporting agency Can not furnish an account without my written instructions.

Under 15usc 1666b a creditor may not treat a payment on a credit card account Under an open consumer credit plan as late for any purpose.
Consumer complaint received 2016-12-13
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (CO)

XXXX issued me an American Express Card which I never received nor activated the card. American Express has turned their annual fees over to collections and have filed it on my credit report. I never received an American Express and the card that they claim was issued has never been activated. I need my credit repaired by American Express.
Consumer complaint received 2016-02-19
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Northeast Collection Bureau (CA)

I was called about an amount of {$260.00} that I owed to the bank XXXX XXXX from this number ( XXXX ) XXXX I made payment of the amount of XXXX from XX/XX/XXXX to XX/XX/XXXX I was expected and told to get up paper received in the confirmation of my payment for this account I never have gotten it
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XXXX did not block information on my credit report as promised im a victim of id theft information they reporting saying it accurate and i try many time to fix it with the compaines XXXX XXXX XXXX XXXX XXXX # XXXX # XXXX these account are do from id theft i sent mant document and police report ftc report they refuse to hornor my report they violating my rights 15 usc 1681i 605 b Section 623 ( a ) ( 6 ) Section 606 they not giving me fair reproting also linking my information to other credit llc.
Consumer complaint received 2022-08-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (FL)

I sent a debt validation letter on XX/XX/2022 they received the debt validation letter XXXX XXXX 2022 he took them well over 30 days to reply They had replied XX/XX/2022 with a letter informing me that they have sent out a deletion request to the credit reporting agencies on the accounts listed below XXXX, XXXX, XXXX, XXXX, XXXX I waited for the account to delete from the Credit reporting agencies it hasnt now I received a letter XX/XX/2022 verify my date with very very personal information that I did not Approve of Violating my hippa rights and quite frankly its embarrassing I didnt want nobody to know where I got seen for but the hospital and I
Consumer complaint received 2017-04-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (FL)

I spoke to a rep in the special handling department and I informed her that it was  XXXX  different social security numbers reporting on my credit report which are not mine. She informed that those socials was tied into  XXXX  accounts which is not mine! I 've sent experian faxes to prove my identity and they still wo n't remove those accounts from my credit report.
Consumer complaint received 2024-02-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Grain Technology, Inc. (MA)

I sent a second complaint to this company called Grain about a charged off account I have in my credit report THAT IS NOT MINE. This is what I sent. 


In XXXX, I realized that on my credit report there was an account from this company called Grain Technology showing a charged off account. From that moment on I put a Fraud Alert on my credit report and started fighting this case with complaints. They always close my cases saying that the company ensures that the information is correct. I have had problems all the time because the banks confuse my identity with my dad 's identity because we have the same name and before we lived in the same house. I want that company to remove that account from my credit reports and to show me that that account really belongs to me with my information. I have never had an account with these people, I did not know of the existence of this company until I saw that in my credit report, I tried to log in to their platform with all my emails and I have no way to log in BECAUSE I HAVE NEVER CREATED ONE ACCOUNT ON THAT COMPANY. This is something that affects me a lot because it is something that appears every time I want to move apartments or change my car. Right now I am living in a place that I don't want to live because it was the only place that accepted me because of my credit. This is lowering my chances of being able to live in a better place. I am tired of dealing with this situation and it is unfair that I have to have that incorrect information on my credit until XXXX when I have nothing to do with those people. 

There I asked them to show me proof that I opened that account and that they have ALL my correct information and they didnt. 

This is what they responded : Our compliance team completed an investigation into this account and found no evidence of fraud. 
All the information provided during the application process, such as phone and email, were verified. 


Is that complicated to send me all the proof that I am asking? If is true that they verified all the information why they dont show it to me? Maybe because that is A LIE and they dont have any information. 

IM ASKING FOR A PROOF!!! DOCUMENTS AND INFORMATION VERIFYING THAT I OPENED THAT ACCOUNT!
Consumer complaint received 2024-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (PA)

I asked mohela who could sign my XXXX forms to verify my employment and was told that yes, a former boss was eligible to sign. My former boss signed the document for XXXX XXXX XXXX, which is XXXX months of timeI only need XXXX per mohelas calcuationsand they refuse to accept it. The XXXX states they only keep employee records for 7 years, and I worked there from XXXX XXXX XXXX. The former boss was an option given to me by a supervisor named XXXX in XXXX XXXX XXXX, when i called to enquirer as to the status of my forgiveness under the waiver and that is when I was told they lost my paperworkwhich thankfully I had copies. 
Its a nightmare to attempt to speak to anyone, Ive spent hours of my life on hold trying to get to someone, with no luck. All I want is the forgiveness I have rightfully earned, under the temp waiver as I applied during that period and the paperwork I possess reflects this.
Consumer complaint received 2024-03-26
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: OPTUM BANK, INC. (IL)

XX/XX/XXXX I noticed XXXX unauthorized actions on my XXXX  with XXXX XXXX from XX/XX/XXXX one was for {$730.00} to XXXX and XXXX for {$54.00} was to XXXX for event insurance. I still have the XXXX card in my possession so someone must have got the card information from online somehow. I called XXXX XXXX customer service line to report the unauthorized charge. They said they would email me a form to fill out and cancel my old card and send a new card. They told me not to do anything else until I heard from their fraud department. I never received the form, I followed up on XX/XX/XXXX and requested a case number and a phone number to call someone in the fraud department who was dealing with the request. They did provide a case number # but said they would contact me and did not provide a customer service number. An hour later I received an email saying that they had completed all requested actions on the case. I still had not received a form or phone call from the fraud department and the unauthorized charge is still on my account.
Consumer complaint received 2024-04-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (TX)

Please see my previous complaint ( XXXX ) PayPay Credit merely needs to prove to the merchant that I closed the dispute so the merchant can refund my money. I spoke with the merchant and they are ready to refund my money since they received the product back at their office via XXXX in XXXX, however I have asked PayPay Credit to simply mail a letter to me to confirm that the dispute is closed, so I can get my refund. I had a conference call with a PayPay Credit supervisor in XXXX and they said they would send a letter to my home address indicating that they dispute is closed with the merchant so I can get my refund, however they have failed to do so. My request was made on a recorded line in XXXX, for verification.
Consumer complaint received 2024-03-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC. (VA)

I am trying to send an XXXX XXXX XXXX to a title company, which has a due date based on the ratified contact for the home we are trying to purchase. 

Ally Bank states on their website that wire transfers are completed by XXXX as long as the transfer is fully verified by XXXX of the same day. There is no status of " fully verified '' any where during the actual wire transfer process. However, my account was debited amount for the transfer, and was in the " final '' step prior to completion, at around XXXX. The wire transfer did not complete. I spoke with many customer service reps after XXXX on that day and prior to XXXX the following day, and was told it will send by XXXX the day after it was actually supposed to send. 

It is now past XXXX on the second day, and after speaking with another set of reps, I was finally informed that there was a technical issue, bank wide, causing everyone delays. The issue has been known for many days prior to my transfer request. Yet, Ally, on their website and status tracker, show no signs of any issue and proceed to tell you the transfer will be completed by XXXX.
Consumer complaint received 2022-08-25
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. (GA)

Resurgent capital services since 2021 XXXX in the amount {$420.00} has been trying to collect payment on a debt that was never mines. I have written them twice asking for verification of debt. Both occasions they have yet to provide proper documentation to validate. My consumer credit report has been greatly damaged & affected my ability to aquire a home or a automobile. 

Please resolve this matter
Consumer complaint received 2016-12-10
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NY)

Apparently Wells Fargo, who does not own my home nor anyone else for that matter, has sold my home at XXXX New York XXXX. I have been asking for proof as to has my mortgage and original promissory note and all I receive are these botched papers that are not true or even legal. XXXX who I pay my electric and water to, has switched my bill over to the gentleman who claims to have bought my home. I have received nothing in writing from anyone on this and have not even received any kind of paperwork from a bank, attorney, court or otherwise.I have had it with this, i am a consumer and my rights are supposed to be upheld and look how far this has gone. i demand to have my rights taken in to consideration. As far as I am concerned, this is theft and fraud and someone needs to answer.
Consumer complaint received 2024-04-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Rocket Mortgage, LLC (NC)

I am simply trying to search some heloc rates. Rocket mortgage advertising is pervasively popping up everywhere, baiting you into their quote flow. Finally, I relented and went through the screens as I was lead to believe that would show me a rough idea of rate. Nopeget to the end now they want to call me!! I dont want a call thats why Im looking online XXXX. And I know the call will be a disgusting sales pitch, and Ill probably now have my info farmed out to dozens of slimy phone pitch desk farms. 

All I wanted was to see a list of rough rate ranges. Why is that so impossible in this country? Why is rocket mortgage allowed to bait people into giving all their information insinuating that they would get what they wanted to see, only to then suck you into a hard phone call sales pitch gauntlet? 

Rocket mortgage should be transparent and very clearly and unmistakably say if you fill all this PII out, at the end you wont see rates. The next step will be phone calls
Consumer complaint received 2021-01-19
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: AES/PHEAA (TX)

During the year XXXX, I was in school working on my degree still and for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, Fedloan reported I had late payments on these particular months when I was set for an in-school deferment status as I have always done so since XXXX. They updated it to current in XX/XX/XXXX but failed to update the months in question that I am filing a complaint for. I have tried countless times to get this resolved and due to COVID-19, it has become even harder to reach a customer service representative to ensure this gets solved. I am still in school and I have a family to support now, I am filing a complaint due to it has been over 2 years now that I have tried to clear this up and provided numerous documentation to the lender. They have advised several times they would fix it however, now it is affecting my lending needs to I can buy a home for my growing family. I have paid close to {$1000.00} alone in credit monitoring with all credit bureaus and exerted an extreme amount of energy which is not good for me at this time.
Consumer complaint received 2024-04-11
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC. (MA)

I attended the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX for an XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  couldnt finish due to no financial aid remaining ). Recruitment tactics included misleading job placement rates. When finishing my associates portion of the degree, the career services offered applying to retail stores as a career. The only job I could get out of school was a XXXX XXXX  that didnt require a degree, of which many graduates worked at. 

I have been making semi consistent payments on my loans for $ XXXX a month for almost 10 years, and now I owe almost double what I borrowed. Ive come close to defaulting at least 3 times, and have had to return to a state school to get a degree in a totally unrelated field in order to afford my loan payments. 

the XXXX  has since been sued for fraud, shut down and parent company has closed. Navient settled to discharge loans of students in my exact circumstances but had defaulted- and I am stuck now with {$72000.00} in private loans from an associates with an unfinished XXXX degree.
Consumer complaint received 2017-01-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

Data IQ has been calling me non-stop, after I 've told them I can not pay them at this time. When I told them I could n't pay today, they said " well, I 'm sorry for what is going to happen to you next ''. They have implied threats to me, and are now calling me at work. I never received any notice that this account was being sent to collections in the first place, and now they are charging me interest!
Consumer complaint received 2016-07-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: CAVALRY INVESTMENTS, LLC (VA)

There is a company named Cavalry Portfolio Services that was deleted from my account on XXXX XXXX, XXXX and failed to meet FTC requirements for reporting information and now this trade line has reappeared on my credit report. They have reinserted the inaccurate information on XXXX XXXX, XXXX. 
CAVALRY PORTFOLIO SERVICES XXXX Reported Collector : CAVALRY PORTFOLIO SERVICES Account Number : XXXX Date Opened : XX/XX/XXXX Balance Date : XXXX Balance Amount : {$560.00} Date of Status : XX/XX/XXXX Status : Closed CAVALRY PORTFOLIO SERVICES XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX
Consumer complaint received 2017-04-21
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HW Holding, Inc (FL)

( Hunter Warfield Inc ), continued attempts to collect debt I do not owe.
I have disputed ( Hunter Warfield Inc ),   account number  XXXX  because the debt is not mine with the  XXXX   XXXX  credit bureaus on  XXXX ,  2017 ,  XXXX ,  2017 . But to no avail the item remains on my report an d ( Hunter Warfield Inc ), has 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.
Consumer complaint received 2016-06-24
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (IL)

PNC Mortgage has been sending every month me a bills for payment on mortgage which I allegedly own them. I have never contracted with PNC Mortgage neither with PNC Bank. I have never been notified that PNC Mortgage or PNC Bank is my creditor or servicer. Neither of this XXXX entities are in my property chain of title. As of this date they continued to contact me at home and demanding to pay this debt and pursue foreclosure. On XXXX XXXX, 2016 I sent a letter pursuant to FDCPA 1692 ( g ) Sec 809 ( b ). PNC Mortgage failed to validate the debt and failed to delete or remove derogatory information from my credit files. PNC Mortgage failed to provide me with evidence of Illinois license to collect a debt in this state, and the license number. PNC Mortgage has been reporting invalidated information to XXXX Credit Bureaus as they were a creditor though they know they are not. PNC Mortgage failed to mark as disputed item in credit report.
Consumer complaint received 2022-08-05
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/2020 Balance XXXX, XXXX XXXX Date opened XX/XX/2020 Balance {$12000.00}, XXXX XXXX Date opened XX/XX/2020 Balance {$1900.00}, XXXX XXXX Date opened XX/XX/2020 Balance {$7500.00}, and XXXX XXXX Date opened XX/XX/2020 Balance {$1200.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-05-21
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. (MO)

I have contacted Equifax 3 times in last year, XX/XX/2019 being last date I sent letter. I received no response. I have ask for proof of debt on account number XXXX as of today I have no idea what the out come of their investigation. I believe this debt is incorrect.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CL Holdings LLC (TX)

I have been at this point it seems like fight a 3 against 1 battle, 4 including a bogus collector on removing false and fraudulent information from my credit report. I have sent various disputes my mail and email with no response. According to 15 U.S.C. 1681 all incorrect information must be REMOVED from my credit file but i am having a very very difficult time getting the bureaus to see things from my perspective. Jefferson Capital Systems are fraudsters who have tarnished my character but no proof has ever been provided to me showing me i owe this alleged debt. Please if anyone reading could help me. I really wish this nightmare would be over.
Consumer complaint received 2017-01-07
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

My bankruptcy was finalized before the reaffirmation could be XXXX, so XXXX sold the loan and the new company ( Carrington ) is now reporting the mortgage as well on my credit report as " Debt included in Chapter XXXX Bankruptcy on XXXX XXXX, 2013 ''. So why are both XXXX and Carrington allowed to both report this when there was only XXXX loan that we continue to pay and pay on time.
Consumer complaint received 2015-10-26
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC (NY)

My employer direct deposited my payroll check on XXXX XXXX, 2015 on my Rushcardand some of my money is still not available to me. It automated phone is telling me my last deposit was on Thursday, XXXX XXXX, 2015. I work very hard for my money and I 'm XXXX, I need my money to pay for my medications which the pharmacy deducts from my Rushcard.
Consumer complaint received 2024-01-31
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (CT)

A refund in amount of {$300.00} was issued today XX/XX/year>, from XXXX. The payment methods used to pay loan are all now closed out, a total of three different cards used to pay. Since cards are closed out, I request a check sent including interest paid.