davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: STATE EMPLOYEES CREDIT UNION (NC)

Ive received countless letters in the mail regarding my credit card. Besides the numerous phone calls that Ive been receiving. I have reached out to a third party company who was supposed to reach out to the credit union regarding a payment plan to pay down my credit card balance. I am unemployed 2 months out of the year and the credit union knows this! Yet I receive a letter in the mail shortly after the credit union responded to my complaint that I have 30 days from XX/XX/2017 to close my checking account due to non payment on my credit card. Which is in retaliation to my complaint to the consumer finance company. And XXXX XXXX did NOT respond to my any of my emails except for one email that I had sent to her specifically asking her for a reply. I have sent every piece of paperwork to SECU that they have asked for. I was told if I had submitted all paperwork that was needed then I would be given a small loan added to my car payment every month. Once I had sent all of the information to SECU. I was then told that I couldnt be helped. When I spoke with XXXX XXXX in person I brought a very successful business man along just for support and the way that I was spoken to and treated was unfairly. I will continue to send in complaints until I see that no one else is treated the way that I was treated Im very disgusted. Ps ... I have paperwork to back up everything that I am saying
Consumer complaint received 2017-08-20
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. (NY)

XXXX XXXX XXXX has two accounts on my credit report that should not be there. The first one is a credit card account number XXXX showing an opening date of XX/XX/XXXX. The second is an Auto Loan account number XXXX opened on XX/XX/XXXX. Each month different information appears on my report. I disputed the item and it was removed and then reappeared on my report. I wish to resolve this issue as quickly as possible by having this fraudulent information removed from my report.
Consumer complaint received 2017-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (MD)

This complaint is directed toward Lexis Nexis and its affiliated companies involved in consumer credit reporting. I have been trying to fix erroneous information being reported on my XXXX and XXXX reports. The information is being supplied by Lexis Nexis databases according to both CRAS.
I have requested my consumer reports from Lexis Nexis repeatedly through email, fax and letter and have been ignored. I would like every and all information that Lexis Nexis compiles about me and have all errors deleted.
Consumer complaint received 2017-08-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (MI)

This company is Comenity Bank which handles credit card accounts for Victoria`s Secret. I notified this company by letter of fraud for {$490.00} on XX/XX/XXXX. A letter was returned to me XX/XX/XXXX indicating I had no basis for the fraud. I submitted an identity theft report, proof of identity, police report and Notice of Furnishers of Information XX/XX/XXXXin written form via return receipt mail which was received by signature confirmation. I again received a bill from this company XX/XX/XXXX requesting payment.
Consumer complaint received 2017-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (IL)

On XXXX XXXX, 2015 I sold my condo under a short sale with XXXX and America Servicing Company. ASC reported my sale incorrectly as a foreclosure. I 'm writing you hoping that you 're able to help me get this reported correctly. XXXX reported it as a short sale. XXXX and XXXX are reporting foreclosure and XXXX is reporting short sale XXXX XXXX
Consumer complaint received 2017-08-19
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

This is the bank that provides the XXXX credit card. On XX/XX/XXXX, Comenity 's processing center received a check from me for {$29.00} the payment of my account in full, along with a request to close my account immediately. I know this to be the case because my bank had a note in my account that a payment was being processed on XX/XX/XXXX. For some reason, this payment did not post in the system until XX/XX/XXXX due to the national holiday. Subsequently, I received a letter from Comenity Bank acknowledging receipt of this amount and the closing of my account with a {$0.00} balance. Several weeks later I received another bill for this account charging a late fee of {$25.00} and interest of {$2.00}. When I called to find out what was going on and why a fraudulent amount had been charged to my account I was told that because the system had not credited the amount to my account on the XX/XX/XXXX or XX/XX/XXXX,  that they were counting it as late and had fraudulently reopened the account and charged me with two late fees plus interest. Be noted that I am filing a complaint against the bank with the Better Business Bureau because I find the actions of the bank and its personnel both unethical and fraudulent.
Consumer complaint received 2017-08-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

To Whom It May Concern : On XX/XX/XXXX I was pre-approved for a mortgage of {$200000.00}. I told the loan office my wife would be moving from XXXX to XXXX, XXXX before me as I was searching for employment. My wife already had a job in XXXX. It was never mentioned that I must show proof of income in XXXX. The loan process continued and I sent in XXXX 's, tax returns, ect. as instructed. I then paid {$550.00} for an appraisal that occurred on XX/XX/XXXX at XXXX. On XX/XX/XXXX I was contacted by XXXX XXXX and was told they needed my proof of income in XXXX. I stated, again, I would be living in XXXX, rent free, while I continued to look for employment. I went back and forth with the bank and eventually the VP of underwriting said my financing would not be approved. The financing was denied even before the appraisal results had come back. I requested a refund for the appraisal and home inspection ( {$300.00} ). I was told the inspection would not be refunded because it is required and the appraisal refund would be requested. I was told my appraisal would not be refunded because the bank did nothing wrong. I disagree with this decision and I believe the bank was deceptive by allowing me to pay for a service when they had no intention of financing this loan. I also believe they acted unfairly by never making sure I 100 % understood that financing while living in XXXX was off the table. I ca n't believe they would have the audacity to pre-approve me, take {$550.00} from me and then approximately two weeks before the scheduled close date inform me they will not move forward with the loan. I would like XXXX XXXX to refund my appraisal in the amount of {$550.00}. Thank you, XXXX XXXX
Consumer complaint received 2017-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Immediately following my successful Chapter XXXX discharge, I wrote a letter and provided a hard copy of my chapter XXXX information. This information included, Discharge Letter, Final Cure of my XXXX XXXX XXXX  Debt, all creditors that had and had not responded to the trustee at the meeting of creditors. All three credit reporting agencies received this document in XXXX 2017, however when I attempt to apply for credit the main reason for denial is " SERIOUS DELINQUENCY ON ACCOUNTS ''. The other issues are because of too many inquiries ( Which is correct ) and derogatory public information. ( Chapter XXXX discharge is also correct. ) XXXX XXXX XXXX XXXX is still not being reported on any of my credit reports and they have also been contacted by mail, email and phone. I have been making on time payments to this company and continue to make payments. Looking at the denial letter and going to the credit reporting agencies does not give me the information that is showing the reason for denial. There is NO DELINQUENT ACCOUNT information for me to view or dispute. But I am being dinged for this very reason.
Consumer complaint received 2017-08-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BMO Bank, N.A. (IL)

Multiple times I 've had my own identity stolen by my own sister and it 's easy for her to do bc she looks similar to me, she 's 5 years older, she lives close, knows everything about me, she went to school for an account, knew in her earlier high school years how to get illegal ssi numbers. Do n't know what she would want with that. So she 's opened credit cards with my social, drained empty multiple bank and checking accounts from 3 different branches, stole my inheritance from both my XXXX parents and signed the checks, claimed me as her adult adopted XXXX child on her taxes, I have to go to court in to weeks for a credit card she opened under my name, she does my taxes every year so I have to sit at the IRS, she 's stolen around 300 grand just from bank accounts alone. I 'm sick of this. She stole my moms XXXX XXXX XXXX, my XXXX XXXX with XXXX, tried to get me to buy her XXXXXXXX XXXX. She tells me how to make XXXX. Called me one day telling me there r bugs crawling down her walls and her body. She 's the governments biggest issue, I 've complained so many times but no one seems to care. It seems like they would rather be out doing stops for XXXX and speeding 5  miles over the speed limit than the serious issues we have to address. This has been going on big time since XX/XX/XXXX, the looking up socials was I believe XX/XX/XXXX.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am asking for your help with this incorrect account on my credit report. It has damaged my reputation significantly, and I need your assistance. Your improper handling of my report has severely hurt me, and the incorrect details need to be removed as soon as possible.
Consumer complaint received 2024-08-03
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: Experian Information Solutions Inc. (NY)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-08-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2017-05-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (PA)

I have been trying to get a loan modification for my property since  XXXX  of last year every time I submit the documentation they require I 'm always told it is missing something I have submitted bank statements resubmitted letters resubmitted application forms on a timely basis I resubmitted bank statements that were missing page number  XXXX  from my  XXXX   XXXX  and  XXXX   XXXX  bank statements only to be told they still have n't received them. This is getting to be a regular habit with them my  XXXX    XXXX   case manager has helped me through this process and has all the documentation that she has submitted on my behalf with my permission the representative of the bank I spoke with stay that she 's still missing complete I 'm difficult to believe because they were submitted in a timely basis I am running into obstacles on a consistent basis I need help if I become homeless I 'll be in  the street this is serious I have nowhere to go and there are no homeless shelters ava ilable I 've checked thank you for your time.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Account Info Account Name Account Number Account Type Responsibility Date Opened Status Status Updated Payment History XXXX XXXX XXXX Business Co-signer XX/XX/XXXX Account charged off. {$30000.00} written off. {$2800.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX Balance Balance Updated Recent Payment Monthly Payment Original Balance Highest Balance Terms On Record Until {$30000.00} XX/XX/XXXX - - {$35000.00} - 72 Months XX/XX/XXXX Experian is furnishing inaccurate data and it is Pertaining to an account involved in litigation this specific account is being reported as a charged off account that also showing a past due balance which is updated every month
Consumer complaint received 2017-05-10
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. (OR)

I 've submitted multiple request to have a child support account updated ; it appears on my reporting twice. I 've called my state agency and they said Equifax has to fix it and they are known to do this in the  State  of Oregon. Please help me ; it shows up as  XXXX  negative accounts ; impacting my credit score significantly.
Consumer complaint received 2017-08-19
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: AMERICAN EXPRESS COMPANY (CA)

OnXX/XX/XXXX, an online order was placed with XXXX XXXX for movies. I used my American Express card for payment. On or about XX/XX/XXXX, a neighbor indicated returned items in open box with two movies were left at her door. On XX/XX/XXXX, I called XXXX XXXX  customer service reporting not receiving stolen items and tampered items in box. The call was recorded as evidence. XXXX XXXX own documents support stolen items indicating " left with woman '' and it should be noted at a wrong address. See attached XXXX XXXX  documents. On XX/XX/XXXX, I called American Express to dispute charges. See attached letter datedXX/XX/XXXX OnXX/XX/XXXX, I returned two movies and reported stolen items to XXXX XXXX  store employee. I also showed as evidence tampered box. See attached receipts and XXXX XXXX documents. OnXX/XX/XXXX, I received American Express response with documents from XXXX XXXX supporting my position of stolen items to unknown woman and delivered to wrong address. On XX/XX/XXXX, I spoke with XXXX from American Express. I indicated to him of the wrong address and delivery to unknown woman. I also indicated I never received my order from XXXX XXXX. XXXX refused to dispute the charges and indicated my charges would not be credited. XXXX  also refused to credit the returned items showing XXXX XXXX had received the returned items. He advised me regardless I would have to pay the total charges.
Consumer complaint received 2017-08-19
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: EQUIFAX, INC. (FL)

I have several credit inquiries I did not authorize and they were illegally made in my name and asking that they be removed I have sinced added a fraud alert on my credit report as I thought I had one placed on my credit report.I do n't understand how this many inquiries does n't causes a red flag with the credit bureau.I live in a 3 bedroom apt with 8 people so I need verification that " I '' made these inquiries because having my address does n't prove that. Did " I '' authorize these inquiries????
XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX/ XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX/ XXXX XXXX XX/XX/XXXXXX/XX/XXXX/XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2017-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Resurgent Capital Services L.P. (NJ)

I did a balance transfer from the credit card in question on XX/XX/XXXX and as of today XX/XX/XXXX the balance is still showing on my on-line profile and the credit card that I transferred the balance to is also showing a balance. As a result I owe double on my credit file and it has affected my score. Also, I ca n't call customer service to request to close the account. It must be done by mail. Therefore ; I did so on the same day of the balance transfer, but the card is still open.
Consumer complaint received 2017-08-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (CO)

I went into a Wells Fargo in XXXX, Colorado to cash my WF-issued payroll check. They proceeded to open XXXX accounts under my name, which have accrued charges and fees. I have requested the accounts to be closed with no success
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Credit Karma (NC)

For the past week have been getting numerous phone calls on my home landline that I do not give out from various mortgage refinance companies claiming that I requested a refinance quote and that my   XXXX   credit report was pulled for this. I checked my  XXXX  report and the only inquiries that do n't look familiar to me were to soft pulls from credit karma one week ago.
Consumer complaint received 2017-08-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (FL)

HI, I 'M FROM XXXX XXXX, I OPENED AN ACCOUNT IN COINBASE, WHEN I WAS TRYING TO VERIFY MY ACCOUNT THEY BLOCKED MY ACCOUNT AND I HAVE ABOUT 60 $ IN THERE, I TRIED TO GET AN ANSWER FROM THEN BUT I DID NOT RECIEVED ANY ANSWER, I HAVE SEVERAL DAYS WITH THESE PROBLEM AND I NEED AN ANSWER, IM DESESPERATE, PLEASE HELP ME
Consumer complaint received 2017-08-19
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 TRIED TO FIX THIS PROBLEM THAT MY SON HAS THE SAME NAME AND ADDRESS THAT I HAVE HIS STUDENT LOANS ARE REPORTING ON MY CREDIT FILES. MY SON IS NO LONGER HERE HE XXXX XXXX. I ALSO HAVE FRAUDULENT ACCOUNTS SHOWING ON MY REPORTS.