davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

TO WHOM IT MAY CONCERN XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX ACC # XXXX XXXX XXXX XXXX # Opened Date XXXX $ {$4500.00} XXXX ACC # XXXX Inquired that is not mine 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 This address is not my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I never live there please removed The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2017-02-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (TX)

I requested validation of bankruptcy reference # XXXX, # XXXX, and # XXXX on my credit report from Experian and Experian sent me a letter stating that they verified the public records through XXXX XXXX. I contacted XXXX XXXX and requested a report of everyone who has requested my public records and Experian Credit bureau was not listed as one of the ones who requested validation or verification of the public record. See attracted report for validation of my claim. 
Therefore Experian has never requested validation and has violated the FCRA by not provided me with viable validation bearing my signature to validate that this public records belong to me.
Consumer complaint received 2021-04-21
Product: Credit card or prepaid 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)

On XX/XX/2020 I purchased motorcycle fairings from ebay from a vendor with multiple positive reviews. When I received the fairings I attempted to install them only to find out the fairings did not fit the motorcycle. 

I called the vendor to notify them of the issue and after exchanging several pictures of the misalignment they offered a {$20.00} credit or I could ship them back to an address in XXXX for a full refund. 

Shipping back to the address they requested would cost twice the original purchase amount of {$570.00}. 

I asked to return to the origin address shown on the box the fairings arrived in, a California address, only to be told that I had to ship to XXXX. 

I opened a dispute with Pay pal credit and presented the pictures of the defective fit, the communication between myself and the vendor, as well as the cost to ship to their requested return address. Paypal credit denied my dispute 3 times stating the vendor is willing to accept the return and I have to follow their rules. 

This is a scam. How is this not treated as fraud when a vendor is shipping misrepresented merchandise and then forcing the customer to accept the item without a reasonable return option?
Consumer complaint received 2015-07-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Senex Services Corp. (TN)

Around XXXX I submitted a complaint about a debt collector ( XXXX XXXX ) that resulted in a removal of the debt from my credit report due to their failure to send notice as well as their failure to validate that I owed it. 
Since then, the debt was sold to a company named Senex Services Corp. This collection agency also reported the same account as a legitimate debt to the credit bureau without sending me notice. I contacted the company and requested validation and they have not provided it and will not remove the information from my credit report. They reported it in XXXX. Thank you.
Consumer complaint received 2020-06-20
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: Lending Club Corp (NY)

I filed a complaint with XXXX XXXX Credit reporting that information on their credit report was incorrect. They failed to correct the incorrect information. 

I have recently filed a CFPB complaint against Lending Club asking that they correct information reported to credit companies. Concerning my Lending Club loan account ending in # XXXX, and pursuant to my prior CFPB complaint No. XXXX, Lending Club admitted that they incorrectly charged off my account and failed to honor my hardship agreement. They stated in thier XX/XX/XXXX response to me : " Due to an oversight on the part of our customer service, the hardship plan for loan # XXXX was broken on XX/XX/XXXX. Because of this error, the entire past due balance became due and your loan was charged off due to non-payment on XX/XX/XXXX. We sincerely apologize for this error. Please note you did not incur late fees or other charges due to this error and as such no refund will be provided. On XX/XX/XXXX we corrected how your loan was being reported to credit bureaus. " However, the result from my XXXX XXXX Complaint, dated XX/XX/XXXX clearly states that my loan is clearly " charged off '' and not current. That must be changed due to their error.Additionally, since my loan is now charged off, I can not make any payments on my loan, because I receive no statements from lending club and no information about my loan is reported on Lending Club 's website for customers. 


Additionally, when I call, Lending Club says they will take my payment on the phone, and they confirm it in writing, but the payments since XX/XX/XXXX have not posted on my bank account, i.e., they fail to accept my payments.
Consumer complaint received 2015-12-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (SC)

I requested twice that this debt record be removed from my credit report on Equifax as it is 13 years old. The debt was originally from XXXX XXXX and now listed as XXXX. XXXX XXXX has removed the debt from my credit report. Equifax has not and keeps returning a response that the debt belongs to me and does not address the age of the listing on my credit report. I have spoken to Equifax by phone and made a written request. 
XXXX has never contacted me or sent a statement. The amount of debt listed is incorrect. Please assist me in getting this debt removed from my credit report.
Consumer complaint received 2022-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA (NJ)

1 ) initial payment, paid on time, was sent back to bank. 
2 ) credit card company initially said bank requested money 3 bank denies this. 
3 ) now credit card company CAN NOT explain why they did this. 
4 ) credit card company did not notify me. 
5 ) next billing cycle they charged a late fee. 
6 ) the next day they sent me a notice of rejecting a complaint, for a lessor amount, that was not part my initial complaint. 
8 ) they insist on me waiting for 90 days to resolve this. In the meantime, they are going to continue charge a late fee. 
7 ) the decision seems to be at their discretion.
Consumer complaint received 2016-05-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (IL)

On XXXX XXXX, 2016 at XXXX a.m. I contacted The XXXX XXXX XXXX XXXX that is listed on my credit report about a civil judgement and I spoke with XXXX in the records department and he informed me that XXXX XXXX XXXX XXXX does not report to the XXXX credit reporting agencies and there was no way that they could have verified anything with them. On XXXX XXXX, 2016 I sent Equifax a letter stating that this account is not reporting accurately and for them to delete this account. On XXXX XXXX, 2016 I was able to look up the results of my dispute online and find out that the Judgments have been verified by the XXXX XXXX XXXX XXXX and was provided with their contact information and to contact them for any questions. The results of their investigation is completely untrue and a lie due to me contacting XXXX XXXX XXXX center myself and was told that they do not verify nor report anything to the XXXX credit reporting agencies. I then contacted Equifax on XXXX XXXX, 2016 at XXXX XXXX at XXXX XXXX XXXX XXXX and spoke with XXXX and asked about the results of my dispute and how was these XXXX judgments were verified when this company does not report to you all, he said that the company did in fact verify this information. I then requested to speak with a Supervisor and her name was XXXX supervisor of XXXX XXXX and she came on the phone and said something different then what XXXX provided me. She said that they send someone out to the courthouses to verify public records. I then informed her that on my credit report I was not provided with that information. I then asked her to provide me with the name of the individual that went to the court house to verify these XXXX judgments and she was not able to provide me with the information. This company are reporting inaccurate information to my credit report and also reporting fraudulent information to me about how they verified the XXXX judgments. 
I have upload the results of the investigation and the information that they provided me
Consumer complaint received 2015-05-01
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP (NY)

U.S. Bank, NA offers a product called the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The most valuable benefit of the card is the " Bonus Award Night. '' The Bonus Award Night is a free night on multi-night award stays. When I applied for the card, the marketing materials stated that the benefit is conferred upon the cardholder in exchange for the {$75.00} annual fee. I paid the annual fee on XXXX XXXX, 2015. On my very next statement, I was informed that the Bonus Award Night is no longer a benefit. I think that it is dishonest to cancel the most valuable benefit directly after accepting payment for the annual fee.
Consumer complaint received 2016-05-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NE)

I received a printed credit report from Equifax and it appears to be correct. However, I first attempted to request a credit report online, on their website, the security questions did not pertain to me, therefore, I was unable to get a direct online report and had to request the printed version. I understand that Equifax provides the security questions for the Social Security online site also. Because those SAME security questions do not relate to me, I am unable to create a SS online account. I have tried several times to create an account and been locked out multiple times. Phone calls to both my local SS office and the national XXXX number have been of no help! Now I am wondering if someone has used my SS # to access a loan or was the information just recorded incorrectly. If this matter could be corrected, it would be VERY helpful.
Consumer complaint received 2016-06-12
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Ditech Financial LLC (AL)

Ditech had a mortgage with me that was charged off in XX/XX/2012, they have since applied a new account number to the same account and reported a balance on the closed account using the new account number. Because of the time lapse of 4 years on the account they have submitted a derogatory mark on my credit history resulting in a severe drop in my credit rating.
Consumer complaint received 2016-09-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (NC)

Per FCRA. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Complaint Equifax has reinserted the following Accounts and Tradelines onto my credit file without the proper notification. 
XXXX County Case # XXXX, XXXX County Case # XXXX, XXXX XXXX Account # XXXX, XXXX # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX US Bankruptcy Case # XXXX, US Bankruptcy Case # XXXX, XXXX XXXX XXXX Account # XXXX I spoke with a female representative on XXXX XXXX, 2016 at approximately XXXX for over XXXX minutes, at which time I was transferred to the Special Handling department. I advised the representative that many accounts had been removed or deleted from my file to which she said that they were re verified, I proceeded to ask her how that took place and she replied that the tax liens were verified through the courts. I asked her who they speak with and she just repeated " the courts '' I asked for the number and I called the courts directly and spoke to an court clerk and she advised there was no way to prove that someone Equifax had called to verify my alleged accounts. I have spoken to both XXXX County NC Clerk of Court and US Federal Bankruptcy Courts and they both advised there is no record keeping system or verification pertaining to credit investigations from Credit Bureaus. I have yet to receive a definitive answer from either court. So I question the validity and verification process from Equifax. 
I was never given the proper notice on the aforementioned accounts there for my Equifax has denied my right for due process afforded to me under the law. I am demanding that Equifax remove these accounts and tradlelines from my credit file. These injurious actions have lowered my credit scores and there by jeopardizing my ability to secure a mortgage or loan with beneficial interest rates and terms.
Consumer complaint received 2020-04-18
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. (TX)

ftc violations enclosed : The Fair Debt Collection Practices Act ( FDCPA ), Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX ( and as subsequently amended ) is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. The statute 's stated purposes are : to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information 's accuracy. [ 1 ] The Act creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. [ 2 ] It is sometimes used in conjunction with the Fair Credit Reporting Act. [ 3 ] [ 4 ] XXXX XXXX XXXX XXXX XXXX has agreed to settle Federal Trade Commission charges that its MINI Division violated the Magnuson-Moss Warranty Act by telling consumers that XXXX would void their warranty unless they used MINI parts and MINI dealers to perform maintenance and repair work.XXXX XXXX XXXX In XXXX of XXXX, Equifax announced a data breach that exposed the personal information of 147 million people. The company has agreed to a global settlement with the Federal Trade Commission, the Consumer Financial Protection Bureau, and 50 U.S. states and territories.XX/XX/XXXX
Consumer complaint received 2016-05-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ProCollect, Inc. (OR)

This company continued to attempt to collect on a move out fee that was paid prior to being submitted into collections. After sending proof that the debt was not owed they still attempted to collect and refused to remove the collection from my credit. This caused an issue due to me attempting to put through a house loan at the time. According to their online reviews this is not the first time they have attempted to wrongfully collect a debt.
Consumer complaint received 2016-07-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: KEYCORP (NY)

I opened a checking account with various requirements to receive a {$200.00} cash back promotion. I satisfied the requirements and after XXXX phone calls and XXXX visits to the branch over the course of more than a month the reward has not been deposited into my account.
Consumer complaint received 2023-02-08
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: EQUIFAX, INC. (GA)

Equifax Information Services XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX I need you to attend to the following shown items in this letter which contains data taken directly from my credit report which you have provided. 

Company Information Dates *XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX Delete these unconfirmed inquiries lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S. Code 15 U.S.C 1681 ET SEQ. Section 04 of Fair Credit Reporting Act Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported. 

Once you have finished your investigations, send me an updated credit report to the address stated above.
Consumer complaint received 2016-01-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NV)

This item " Derogatory Trade '' for Ditech reported XX/XX/2015 is STILL inaccurate. I was reported to the credit bureau for 30 days late for XX/XX/XXXX and XXXX 2015. My payments were made on time however, Green Tree was not honoring my loan modification from my previous lender which is a violation of the FCRA. GreenTree then tried to raise my interest rate and throw in old escrow charges that ultimately made my payment increase, although with a loan modification this is a violation. I continued to make my payments according to my loan modification. XX/XX/2015, after I was threatened by Green Tree they would be foreclosing on my house due to late payments, I sought assistance from XXXX XXXX XXXX to assist me with the issue as Green Tree. Green Tree finally honored my loan modification but REPORTED me to all credit bureaus as late and has now ruined my credit to purchase a new home. Green Tree will not remove the late reporting even though they have proof I paid my mortgage. I was paying according to the loan modification, not their terms. I cant get a hold of anyone to help me, nor can I afford an attorney. Green Tree has several of these same issues against them and we all experiencing credit issues. This is fraud, misrepresentation and a violation of the FCRA.
Consumer complaint received 2015-08-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (IN)

My mortgage company XXXX sold my mortgage to Green Tree Servicing in XXXX. I was told that it would be seamless. Instead, I started receiving collection notices even though my payment was made to XXXX in XXXX from my auto-pay with my bank. Green Tree says they have not received the payment even though I have submitted the documents requested including my bank statement showing the loan amount deducted from my bank account on the scheduled day and the email from XXXX acknowledging receipt of this payment. A representative from XXXX also conference called a customer service representative named XXXX and reaffirmed my payment and the date the file was transferred to Green Tree. Also, I was originally told I could n't make my XXXX payment until the XXXX payment issue was resolved, so that payment was also outstanding. Finally on XXXX XXXX, the collection department urged me to make and accepted a payment for XXXX over the phone which is now showing as having paid my XXXX payment. Where is my money I paid in XXXX? Why is it taking so long to clear up a very easy situation. Please help me get the XXXX payment applied as it should have been by XXXX XXXX in this transition according to the information I received about the move to Green Tree Servicing.
Consumer complaint received 2016-02-25
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (OH)

I have a home mortgage through Ditech, formerly Greentree. I mailed this month 's payment on XXXX XXXX, 2016 and Ditech cashed my check on XXXX XXXX, 2016 but did not apply the payment to my account and has since lost the payment/paperwork. This was all unknown to me until I started getting phone calls at all hours of the day and night multiple times a day from Ditech stating my payment was late. When I explained they had already taken my money from my bank account for the payment, I was hung up on or told to fax them a copy of the check from the bank showing the endorsement on the back. After doing so and getting my bank involved, they proceeded to tell my bank that they had never called me or talked to me and they do not have my payment. My bank faxed over a copy of the check they had cashed and Ditech still is unable to find these funds and has yet to apply them to my account. My bank was forced to reissue the payment and has since started mitigation against them as a fraud claim to attempt to get their money back. They are still considering my payment to be late and have assessed fees stating so even though they are responsible for losing the payment, as they have had it in their possession since at least XXXX XXXX, 2016.