davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL (FL)

Since XXXX, I have been disputing Synchrony bank over the validity of a Walmart account on my credit report. The account, along with several others, from Synchrony bank, was fraudulently opened between XX/XX/XXXX and XX/XX/XXXX. The Walmart card was opened XX/XX/XXXX according to my credit report. It was not until XXXX that I discovered these accounts while trying to obtain credit. I later found that two accounts were opened for Walmart through Synchrony bank. After disputing and sending police report, one of the accounts was removed. The other Walmart account was not and I had to do a settlement Synchrony in order to obtain my home loan. I was informed that the trade line would be removed just like the first Walmart account. It has not. Since then, I have submitted numerous disputes to no avail. I spoke to several representatives today for both Synchrony and XXXX XXXX XXXX as they acquired some Walmart accounts in XXXX ). When speaking to supervisors for both, they both inform that they do not have record of the account and to call the other. I have been going in circles for month with the Credit Bureaus as they tell me that someone is " blocking '' the dispute but both companies say that they do not have it. They both state that they have no record when looking up the account using my social, birthdate or account number and that they can not do a dispute with the credit bureau on my behalf because they do not see any account for Walmart for me. I am also having the same issue with my XXXX account, yet they still somehow show verified. When I initially did the police report, I only reported two accounts from Synchrony and throughout the year became aware of more as the year went on. They utilized the police report for other accounts, including the second Walmart account, as they found it suspicious that many of the accounts were opened on the same day and/or within a short time period from each other. These accounts are hurting my score and everytime I dispute they seem to hurt my score even more as they report it as if it is a new debt. At this point, I have become increasingly frustrated as I am already dealing with financial issues surrounding COVID and to have both companies telling me they can not help in this matter does not make it better. I have even paid these accounts that were fraudulently obtained in the first place and I still can not get any resolution.
Consumer complaint received 2021-01-12
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)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL NUMBER AND PHOTO ID TO OPEN SEVERAL FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT WITH LOCAL AND FEDERAL AGENCIES I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAS. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a XXXX of XXXX XXXX. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Consumer complaint received 2019-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NE)

Here are my notes from this dispute ... XXXX says i have A {$5000.00} loan dispirited to XXXX in which i was unaware of, XXXX never received, it is not on the national student loan website and there is no promissory note for this loan provided. It is ruining my credit score!!!! On top of that, i did have a {$2500.00} loan for XXXX University which i knew About, was applied towards XXXX and XXXX ( what was left over i only Attended XXXX for one semester ), i have And was provided a promisorry note on both sides and is on the national student loan website. They took my payments and dispersed my payments to both loans showing i never Paid off my original loan even though i did. Forced me into forbarence and did not offer me a repayment program due to my income without my knowledge. Ive disputed this with them and ombudsman group and i am Taking further action due to my age, family, income, and credit score diminishing due to this frustration. I just Want the loan removed as i never Signed for it, was granted it ( my parents make too much money ) and never received the loan! 
Student LOAN Ombudmanson says there is a promissory note false signature file dispute they say there is a note through XXXX  for a promissory note but none has been provided or found when asked from XXXX XXXX XXXX  ask for promissory note for XXXX loan and dispute for a false signature case XXXX if they dont resolve it call ombudmanson back XXXX   dispute : XXXX received promissory note for XXXX XX/XX/XXXX XX/XX/XXXX ombudmanson group case number : XXXX XX/XX/XXXX feedback.studentaid.ed.gov case number XXXX submitted dispute XXXX days pw : XXXX 
called XX/XX/XXXX to follow up because i did not hear from someone transferred to ombudsonsens group - closed with emailed me on the XXXX of this XXXX XXXX complaint case number need to call the ombudmansons group again - XXXX XXXX XXXX XXXX ombudmanson group new case number XXXX studentaid.gov/ombudmanson sending forward today contacting in 7-10 business days Gave up due to XXXX lawsuit in progress
Consumer complaint received 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (WI)

I have disputed the account balance with the credit bureaus. Exeter refuses to update the correct balance. My Exeter account # XXXX is being handle by XXXX XXXX XXXX ( acct # XXXX ) for which I pay on every two weeks and payments are submitted to Exeter. My current balance is {$6500.00}. Exeter continues to report the credit bureaus that my current balance is {$9500.00}.
Consumer complaint received 2020-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. ()

We have been attempting to enroll in a Covid 19 program for payment assistance since XX/XX/XXXX. 
Here are the notes we have on our end : XX/XX/XXXX > first call to inquire about the program found on your website offering Covid 19 payment assistance. 
XX/XX/XXXX> emailed insurance declaration XX/XX/XXXX>spoke to a rep about a specific program ( temporary reduction via refiance for 4 months @ 6 % APR ) ; We were told that 1st Investors was not reporting any late payments at this time. 
XX/XX/XXXX> emailed insurance declaration again to another rep who said they could not find it XX/XX/XXXX>spoke with XXXX  for an update XX/XX/XXXX>Spoke with XXXX XXXX manager for an update XX/XX/XXXX>Spoke with XXXX for another update ; We were told that everything was received an we were awaiting for the next steps. We asked about credit reporting and he relayed to us that they were not reporting any late payments during this Covid crisis at the very least and not to worry about it at this point. 
XX/XX/XXXX> spoke to XXXX due to XXXX not available because of vacation and that the case # was now missing on the declaration for the insurance. 
XX/XX/XXXX> Spoke to XXXX XXXX ( another manager ) who said the insurance was still not updated in their system but was updated on the insurance system ( a conference call with the insurance company verified it was completed and on their system. XXXX at this point offered another program to enroll in if we were unsuccessful with the current one and was going to call us back with details. ( one month deferral program ). We never received another call back since. 
XX/XX/XXXX I spoke with a manager whom indicated that we still were not enrolled in a program and that we could start the process for a different program at which point I informed her that we were already attempting to refinance with a credit union. I asked her if we needed to make a payment in order to have to time to refinance which we knew could take about 10 days and she was unsure and directed me to call another #. 

At this point in time we have given up on any program and have successfully secured new financing from XXXX XXXX XXXX of XXXX. 
How ever, I was un pleasantly surprised to find any creditor reporting late payments of any kind while we are in this Covid Crisis period. 
We are both now unemployed and have no idea as to how long this will continue base on government guidelines. However the loan will be paid in full with in the next few days and I would like the credit department to remove the late payment and correctly place a paid in full closed account remark instead. 
I respectfully ask that this be done immediately
Consumer complaint received 2021-08-23
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. (NY)

Since XX/XX/XXXX I have have been disputing an un-validated account with XXXX XXXX XXXX. I have been requesting for validation ( NOT VERIFICATION ) of an account that they are claiming belongs to me. Since my initial contact, XXXX has not been able to provide me the proper validation documents that I have asked for. I have contacted XXXX twice in XX/XX/XXXX then XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I requested " if XXXX  is unable to provide validation of the account that the bank please contact the credit bureaus to have the account removed ''. 

My 2nd contact with XXXX XX/XX/XXXX I started to receive notices for collection. The account in question then appeared as a revolving account, my credit score begin to decline and I was receiving notices to pay {$2100.00} out of an XXXX balance. I did not refuse the offer if the account was validated as mine. JPMC could not provide validation. 

In XXXX, XXXX and XX/XX/XXXX ( recently in XX/XX/XXXX ) I have contacted XXXX, Equifax and XXXX XXXX but neither of the agencies were able to retrieve validation from XXXX  account. But, the credit bureaus allowed the account to revolve and remain as active. 

In XX/XX/XXXX I checked the update on the XXXX. The account was reported as delinquent, a high revolving account and a closed account. Today, in XXXX I continue to receive " an offer to pay {$2100.00} from XXXX. They have not and can not validate the said account. 

I want XXXX  un-validated account removed from my credit history because it is not mine.
Consumer complaint received 2020-01-18
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: Experian Information Solutions Inc. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2022-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (GA)

my original credit card with universal card account was used somewhere else in the US by a person who did not have my card or permission. there was a XXXX balance at the time. when i received a bill i called the card company and told them about the fraudulent charges of over {$3000.00}. They closed that account and issued me a new card with the promise of an investigation. I received the new card and put in in my safe until the problem was resolved. Then the new card was also used in a fraud. The card issuer canceled that one and issued another. When it arrived i did not activate it. From the beginning of XXXX till now i have spent over 5 hours on the phone with universal card fraud Dept. trying to resolve this issue. Each time they say it will be taken care of and to call back in a week. Now its XXXX and the problem remains. Universal card knows the purchases were made at a Best Buy in another state. They claim the store has no record of the purchase. only that it was probably made there. The store asked for no id nor was there camera footage of the sale.
Consumer complaint received 2019-02-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

The company, Mr Cooper took over my mortgage from Nationstar in XXXX of 2018. They lost my XXXX payment, added property tax to an escrow without my consent and have completely lost track of my payments, due to the most complicated accounting math I have ever seen. I have NEVER missed a payment. They have added late fees & service charges to my bill. I have been trying to resolve these issues with Mr Cooper for 11 months with NO success. The huge number financial papers they have sent me will require a CPA to decipher. I have submitted my bank records showing proof of my regular payments. 
I have made dozens of phone calls trying to correct these problems. I have all required documentation showing the ridiculous data they have listed on my account, saved. I can mail, email, Fax, what ever is needed. NO regular person would be able to understand these financial statements. They have lost track of there own complicated mathematical process and continue to harass me via constant phone calls & emails. They stole my payment and want to charge me for being a payment behind. I have never had a problem with a loan in 45 years. Mr Cooper is the WORST company I have ever dealt with. Your assistance would most appreciated!
Consumer complaint received 2019-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX {$690.00} est XX/XX/XXXX XXXX XXXX XXXX {$140.00} XX/XX/XXXX XXXX XXXX   {$4300.00} XX/XX/XXXX inquries XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX addresses XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX, pa XXXX XXXX XXXX ct XXXX XXXX pa XXXX I was victim of identity theft and the bureaus did not remove all the info associated with this crime. I filed identity theft report in XXXX XXXX please assist me in removing all negatives due to identity theft
Consumer complaint received 2020-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am writing this complaint over an inaccurate late payment. I was protected under the XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX # XXXX. I have never been late on this account. I am also contesting the charge off on the XXXX XXXX # XXXX. 

I am requesting that the late payments be removed from my report. I was serving my country from XXXX - XX/XX/2019 as a XXXX.
Consumer complaint received 2020-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Capital One is refusing to go to Arbitration under the Federal Arbitration Act regarding the terms and conditions of the Card agreement. 

They are refusing to pay the billing for Arbitration to XXXX  REGARDING THE TERMS AND CONDITIONS OF THE Card agreement.
Consumer complaint received 2021-01-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MA)

I believe Wells Fargo intentionally limits the functionality of their website from processing recurring payments. The ability to establish reoccurring payments on their website has been glitch ridden by limiting dates you can establish payments to process. 

I thought I properly established a reoccurring payment on the wellsfargo.com website only to find a late payment letter in the mail some 42 days after I missed my first payment. They have charged me a late fee and no doubt will report me to the credit bureaus thus adversely affecting my credit score. 

I quickly logged onto the wellsfargo.com website to pay the late payment and tried to process a second payment to pay the second month 's late payment only to be denied ( they claim I can not make two payments on the same day ). 

I believe these to be predatory practices to deceive borrowers from the ability to pay their mortgages on time. It's not hard for this bank to correct these errors on their website, however, they have no incentive to do so.
Consumer complaint received 2021-08-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (PA)

This company is attempting to collect on out of statute debt which is unlawful under the Fair Debt Collection Practices Act. Please confirm the information shown in this account and REMOVE COMPLETELY FROM MY CREDIT REPORT. 
ERC ( Original Creditor : XXXX XXXX  ) XXXX-Balance {$1600.00}
Consumer complaint received 2019-02-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NJ)

I have tried over 6 times to get my loan re certified for the income based repayment plan. When I finally did get my loans into the repayment plan I have a monthly bill of {$120.00}. I've told Navient numerous times that I cant afford a monthly bill. My income is the only income available to pay bills. I'm paying rent, car insurance, water bill, electric bill and oil heat bill. On top of the bills I also have to pay for groceries. I'm struggling and I need proper assistance. Navient isnt answering my phone calls, returning my phone calls or responding to my emails. What navient does do is send me harassing emails. I'm sick and tired of Navient playing around with my livelihood. I cant afford for my paycheck to get garnished. I need help and I'm not getting any.
Consumer complaint received 2019-02-03
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: Credit Karma (CA)

Credit Karma has had a temporary frozen dispute since XX/XX/2018 can not get them to correct problem contacted them # 6 times so I can not dispute balances on credit card balances which are usually # 2 month behind So this is keeping my credit scores down
Consumer complaint received 2021-08-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc. (GA)

Since XX/XX/2021 I have attempted to obtain resolution from The Bureaus INC., regarding an alleged owed debt that is a result of fraudulent activity. The organization continues to send me copy of bills as debt validation. As a victim of identity theft I am requesting the original contract with my wet signature. Such documents do not exist because I did NOT authorize this account or the purchases made.
Consumer complaint received 2020-01-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

On the day of XX/XX/2020 i sent an amount of {$300.00} dollars to XXXX XXXX he took the money then sent over the goods. but 2 days later he took it back so i can't access it. He Scammed me.Now i lost my money and the digital goods.
Consumer complaint received 2022-10-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: U.S. BANCORP (NV)

To whom this may concern : US Bank refuses to act on a obvious fraud by an individual. I have lost {$250.00} caused by a fraudulent action by an individual using fake XXXX emails. I provided US Bank this info and their response to me was " {$250.00} posted as Requested ''. They did no investigation. The individual is still out there ripping people off. 
Here is a letter sent to U.S. Bank this week. 

To whom this may concern ; I am in receipt of your letter dated XX/XX/2022 regarding my claim of fraud and your denial of that claim. 
I find it incredible that U.S. Bank sanctions fraud and deceit as long as the fraud Posted as Requested. You obviously did no investigation. I expect to have my {$250.00} returned to my checking account. 
I explained to the claim taker I have fraudulent XXXX emails the individual used. Obviously that does not matter to U.S. Bank. There is no way that I am going to let this go. U.S. Bank is allowing a thief to continue to rip people off using U.S. Bank and XXXX. I have reported the criminality to various government agencies including the Federal Trade Commission, XXXX XXXX XXXX XXXX, and the Office of the Comptroller of the Currency since your company makes it impossible to file an XXXX Complaint. 
I expect to hear back from you no later than XX/XX/2022. I expect you to do a complete investigation and I expect you to refund my {$250.00} which was stolen by a XXXX impersonator. 

Sincerely ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX
Consumer complaint received 2019-02-03
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. (NY)

I have no records of doing business with the companies I found on my credit report. I have filed a FTC ID theft report for the following accounts : XXXX XXXX XXXX, XXXX   XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX. please delete/remove these account they are not mine. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX NEW YORK XXXX.Please remove any other address.