davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-04
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. (UT)

To whom this may concern, XX/XX/XXXX I am originally from the state of XXXX  and in XXXX I took a job in the state of XXXX. When I arrived in XXXX  I became a XXXX XXXX  phone customer. I was in the XXXX XXXX in XXXX  I wanted to update my cell phone, the salesman at the kiosk showed me a nice phone and told me he could get me a good deal on service. The service would be with XXXX and he would give me a deal on the phone he was showing me. There was an issue porting my number from XXXX XXXX, I started the paperwork to switch to XXXX and picked out the phone. I told the salesmen I needed to go to the food court and get something to eat while he worked on porting my number. I went to the food court and I decided at the last minute not to get the phone or the service. I never went back to the kiosk and I never finished the paperwork.

I found out later that the salesman finished the transaction and stole two XXXX. He also opened lines of service with XXXX in my name. I went to the XXXX XXXX that was in the XXXX mall and talked with the manager ( XXXX XXXX ). I also spoke with the District manager XXXX XXXX and they told me that the salesman at the Kiosk was not a direct employee of XXXX that he was a contract employee and they had no proof that he stole the phones. They said if he sells the phones on the internet they would not be able to find them. They told me if he uses the cell phone lines he opened they could easily track the phones. I went to the XXXX XXXX police and filled out a police report because this person used my information to open cell service with XXXX and he stole two XXXX 
When I moved to XXXX  the only place I could afford to live was in the canyons or in the mountains. There was no cell service or internet service so I did not check my credit report the entire time I was in XXXX. I lived in XXXX  approximately three years. I checked my credit report XX/XX/XXXX and that is when I see that XXXX reports that I owe them over {$2000.00} dollars. I was never a cell phone customer of XXXX and I never bought phones from them. I called XXXX and asked them about all of this, they told me this account was old and was sold to XXXX XXXX XXXX for collection. I asked XXXX if the phone lines that were opened were ever activated. They said the phone lines were opened but never activated. 
I called XXXX XXXX XXXX and spoke with XXXX ID # XXXX and told him what happened and I asked them to open a fraud investigation. He said he would open a case and he needed copies of my documentation. I am enclosing copies of my documentation to aid in this investigation of fraud. 

Equifax is still reporting this fraud even though XXXX  and XXXX  already took this fraud off my credit report. Equifax needs to delete this fraud from my credit report immediately.
Consumer complaint received 2020-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CarFinance Capital LLC, Irvine, CA Branch (AZ)

I have multiple inquires from CARFINANCE.COM that I do not recognize and I would like for those to be removed from my credit report please. 
Here are the dates. 

XX/XX/2018 - - Creditor Name CARFINANCE.COM XX/XX/2018 - - Creditor Name CARFINANCE.COM XX/XX/2018 - - Creditor Name CARFINANCE.COM
Consumer complaint received 2020-02-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4500.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4500.00} -This is not my account.
Consumer complaint received 2020-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FACTUAL DATA CORP. (FL)

PREDATORY LENDING, UNAUTHORIZED CREDIT INQUIRY On Friday, XX/XX/XXXX, I received an unsolicited call from XXXX XXXX. The banker said she would like to review my account and see if there are any refinance offers available. I did not authorize the banker to run a credit inquiry, and the call ended. I then received a notice from my credit monitoring service that all three credit bureaus had received a hard credit inquiry. I contacted XXXX XXXX  to make sure they knew I did not authorize a credit inquiry and they refuse to remove it. My phone number is also on the do not call list. I was also contacted by unsolicited texts without my consent. 

XXXX continues to falsify the story, dismiss the negative impact to my credit report, and is unable to provide any evidence of my consent to a credit inquiry.
Consumer complaint received 2020-01-08
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)

Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. 
Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job.
Consumer complaint received 2020-02-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

This complaint is against Citibank , N.A . due to the institution 's failure to issue a {$2000.00} credit balance refund. 

On or about XX/XX/XXXX, a debit card payment was made to a third-party, XXXX XXXX/XXXX XXXX XXXX and on or about XX/XX/XXXX, a refund for the same amount was issued to my Citibank debit card ending in XXXX. 

The problem is that the checking account associated with said debit card was closed days earlier ( the merchant issuing the refund was unaware ). Since the time of the refund, I have contacted Citibank Customer Service no less than five times, having spoken with at least two supervisors who have promised to have the refund of {$2000.00} sent to me by check in the mail. 

It has been a month and this institution has failed to resolve this matter satisfactorily. I request the assistance of the Consumer Financial Protection Bureau to rectify this matter as soon as humanly possible.
Consumer complaint received 2020-02-04
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: Experian Information Solutions Inc. (NC)

I submitted three certified letters to each credit bureau from XXXX XXXX XXXX XXXX, signed by XXXX XXXX, Chief Audit Executive, to correct the credit reports, which was advised by the NCUA to correct. Upon reviewing my credit history, the credit reporting agencies have failed to correct. Payments were being made and not applied and they wrongfully charged off the account, admitted to the error and stated that the ya want everything to each credit bureau to update, correct and/or delete the mistakes. This pertains to the personal loan and the line of credit only. Everything is outlined in the attachments.
Consumer complaint received 2020-02-04
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: KEYCORP (CA)

In XX/XX/XXXX, I experienced a severe hardship as the result of wildfires in the XXXX XXXX / XXXX XXXX areas, which affected my ability to work greatly, severely reducing income and inhibiting my ability to make my student loan payments. Shortly after this disaster occurred, FEMA declared this incident as a Federal Emergency ( as noted on their website as well ). While all of my other private lenders allowed for a 3 to  6 month Natural Disaster forbearance as permitted by federal law for declared disasters and emergencies, KEY Bank has refused to assist me during this exorbitantly difficult time, and have refused to return my calls or give me resolution for over one month - even after requesting repeated contacts from the Office of the Chairman in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX - most recently today, XX/XX/XXXX. 

In dealing with KEY Bank, I have spoken to XXXX XXXX in Loss Mitigation, whom promised me resolution one week ago, with no call back or contact since we last spoke. Additionally, I have left over 10 messages for the Loss Mitigation department to call me for assistance, all of which have gone ignored. I have been outright neglect by KEY Bank, misled on multiple occasions after another representative in Loss Mitigation had stated he would get me an exception to policy and honor a 3 month forbearance for this FEMA declared Emergency, and been refused contact from KEY Bank 's executive management after being told on multiple recorded and logged calls that someone would reach out to me " within 24 hours ''. KEY Bank has caused me extreme mental and emotional distress during this very difficult time after experiencing a disaster, where as all other private lenders have worked with me to aid me through this difficult process and time, and I am in need of immediate resolution to this ongoing issue with KEY Bank 's unwillingness to honor their commitment to their ailing and displaced customers, and their neglect and refusal to speak with me as promised to resolve this matter and offer assistance with my loans during this ongoing difficult time.
Consumer complaint received 2020-02-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Transunion and XXXX  are reporting an account on my credit report wrong, the name of the creditor is inaccurate, the account was sold to a different company, XXXX  is reporting the account as XXXX XXXX/XXXX  XXXX, TRANSUNION is reporting the account as XXXX XXXX  XXXX. Please delete the account as it is affecting my credit worthiness, the FCRA says that by federal law everything on my credit report needs to be 100 % accurate.
Consumer complaint received 2020-02-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (MA)

regarding complaints ID XXXX & XXXX I have submitted today and I want to submit additional documents. According to the company response that I never agree with because the information are not true. Please find attached documents for your review. 

name on loan is XXXX XXXX I am XXXX XXXX is person who applied, be responsible for the loans and dealing with loan service for errors they made and forced the borrower to accept the loan term even borrower never agree with.
Consumer complaint received 2020-02-04
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: EQUIFAX, INC. (NC)

I submitted three certified letters to each credit bureau from XXXX XXXX XXXX XXXX, signed by XXXX XXXX, Chief Audit Executive, to correct the credit reports, which was advised by the NCUA to correct. Upon reviewing my credit history, the credit reporting agencies have failed to correct. Payments were being made and not applied and they wrongfully charged off the account, admitted to the error and stated that the ya want everything to each credit bureau to update, correct and/or delete the mistakes. This pertains to the personal loan and the line of credit only. Everything is outlined in the attachments.
Consumer complaint received 2020-02-04
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: GRANDVIEW FINANCIAL SERVICES INC. (CA)

I AM A VICTIM OF AN IDENTITY THEFT, I HAVE SUBMITTED MY IDENTITY THEFT REPORT TO GRANDVIEW FINANCIAL NUMEROUS TIMES, I HAVE ALSO REACHED OUT TO XXXX NUMEROUS TIMES. THIS ACCOUNT WAS OPENED MAINTAINED WITHOUT MY KNOWLEDGE. THIS IS A FRAUDULENT ACCOUNT.
Consumer complaint received 2020-02-04
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: AMA Advisors, LLC. (AZ)

We applied for a VA cash out refinance with Homebridge on XX/XX/XXXX. On XX/XX/XXXX our loan was fully approved and " Cleared to close ''. All conditions and documentation had been provided. NO ADDITIONAL INFO WAS NEEDED- we were all set to sign our refinance paperwork after nearly 3 MONTHS of waiting. Our lock was expiring on XX/XX/XXXX and we had started making plans with the loan officer to sign documents at the title company. 

We were informed that our loan had to go through QC or Quality Control. Over 10 days went by with no answers from our loan officer or Homebridge 's management team. On XX/XX/XXXX, our loan officer informed us that the loan had been denied. No reason provided, there ultimately is no reason and that is why Homebridge hasn't given us an answer or opportunity to proceed. We have pensions and guaranteed retirement income, low debt to income, low combined loan to value ratio 's and superb credit. We are A+ borrowers.

I know that the loan officer was having issues with the company and I feel that Homebridge is punishing us, the customer, to resolve an employee issue ( or try to make him leave ).
Consumer complaint received 2019-08-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

We refinanced our home in 2007 with XXXX XXXX XXXX XXXX, on a adjustable interest it went from 8 % to 12.75 % after they sold the mortgage to SPS, Select Portfolio Sercving, which has denied all of deed in lieu, modifications, and now short sale, just so they can fireclose
Consumer complaint received 2020-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have a capital one spark business credit card, what i mistakenly over paid on XX/XX/2020 with the more then 30k using a bill pay service, so i have there a credit balance over 30k. 
and they are refusing to refund it to me, first they requested all type documentation, what i did supply them, but they are still refusing to refund me. i was forced to close my account in order it should be released, they promise me that will got the check by the end of last week, but noting arrived. 
As of now XX/XX/XXXX capital one keeps my money over 3 months, and i still didn't know when/if they will give me back MY MONEY
Consumer complaint received 2020-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC (AZ)

On XX/XX/2019, I received a letter from XXXX XXXX, from Loan Cares Office of the Customer, stating that my account would be reported as current starting XX/XX/2019. I am attempting to refinance my mortgage, and LoanCare has not updated the reports to the credit bureaus. After attempting to contact LoanCare, I was told that someone has verify that what XXXX XXXX did was correct. I have attached the letter sent to me by XXXX XXXX. As I stated, I am trying to refinance my mortgage, and LoanCare`s incompetency is preventing me from doing so.
Consumer complaint received 2020-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

I am in the process of refinancing my VA loan with XXXX XXXX XXXX   which was in the closing process when a credit reporting company ( XXXX XXXX XXXX XXXX reported an incorrect payment record on my Citizens One Bank home mortgage loan. This caused a crash in my FICO credit rating and my refinance application to be rejected. Citizens One bank my current mortgage lender ALSO through a process of malfeasance reports my correct payment record on their web site BUT reported two ( 2 ) monthly payments 30 days late. to XXXX XXXX XXXX  AND all three credit reporting agencies, My account is CURRENT and paid up to date BUT both Citizens One and XXXX XXXX XXXX intentionally misreported my actual payment record, causing 1 ) my refinance loan to be rejected and 2 ) my FICO  credit rating to be REDUCED from XXXX to XXXX. These illegal reports of late payments have caused me great harm.
Consumer complaint received 2020-02-04
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (MI)

My lease expired XX/XX/XXXX. The car was turned in and I never received any further information or bill from GM Financial. I then received an alert on my credit report stating I had {$410.00} 30 days past due and dropped my score even though I had not received a final bill. Upon calling GM Financial on approximately XX/XX/XXXX I spoke with a representative who stated a final bill was never sent out. She further stated that she would fix the inaccurate credit report and send out the final bill. The account got reported as being in good standing but still showed a late payment.
Consumer complaint received 2020-02-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (AL)

I have received calls from Sunrise concerning a bill with XXXX XXXX for services I never signed up for. I asked Sunrise for debt verification on two separate occasions on a recorded line and have yet to receive it. I have asked them not to contact me until they do. I have been a XXXX XXXX customer for years and have no need for XXXX XXXX. I plan to hire a credit protection attorney to look into this matter. I have asked for any contracts, signed work orders, receipts, or notes agreeing to pay for their services. This is not my account and the address they have on file is a rental home and is not my legal address.
Consumer complaint received 2020-02-04
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Bread Financial Holdings, Inc. (VA)

Good afternoon, I enrolled my XXXX year old son in XXXX back in XX/XX/XXXX in XXXX, XXXX. I dis-enrolled him in XX/XX/XXXX because I did not see any results as promised and I found a teacher in his school who could provide tutoring to him after school. I signed him up for 110 sessions and we only used 31 of the sessions at the time of dis-enrollment. When you enroll in XXXX you have the option to take out a loan with Comenity-Your Tuition Solution Bank for the amount of your sessions and if you dis-enroll XXXX is supposed to notify Comenity-Your Tuition Solution in writing and I am supposed to receive back from Comenity-Your Tuition Solution the money for the unused portion of the loan. I met with XXXX on XX/XX/XXXX to dis-enroll and have been trying to get my account closed and settle with Comenity-Your Tuition Solution since that date. I have contacted XXXX numerous times and have always been told that someone would call me back or that the manager Ms. XXXX XXXX was out of the office and she would call when she returned. I am in the military and have been stationed in XXXX since XX/XX/XXXX, so I am no longer in XXXX XXXX. I did go to the office several times to speak with Ms. XXXX but she was never in the office. The amount of the loan that was taken out to over the tuition was {$5300.00} for 110 sessions. I have contacted Comenity-Your Tuition Solution and they informed me that I had to work with XXXX to get the account settled. I have attached the documents I received when I dis-enrolled, if you review the attached documents you will see that I should only have been required to pay {$2200.00} for the sessions that XXXX had completed. I do not believe that he even completed the 45 sessions that are stated on the receipt page 5 because on page 1, 2, and 7 it shows that he attended 30 classes would should have been approximately {$1400.00}. I am still receiving bills and continue to pay because I do not want this to ruin my credit. If you can please help me get this resolved I would greatly appreciate it. I am sure that other families in the XXXX area are dealing with the same problem and it is such a shame that this company is taking advantage of Soldiers. 

Thank you
Consumer complaint received 2020-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Screening Reports Inc. (IL)

SCREENING REPORTS, obtained my background check and credit report without my permission or signed consent. I did not authorize any housing application with Indiana housing to consent to a background check with this company. Nor did I give SCREENING REPORTS, INC permission to place a hard inquiry in my credit report as well. SCREENING REPORTS, INC also reported incorrect information in my credit report as well. SCREENING REPORTS, INC has refused to remove the hard inquiry from my credit report and I want it removed.