davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

Creditor is reporting accounts that are invalid and unverified. Equifax, XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2023-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In According with the Fair Credit Reporting act XXXX XXXX Account # XXXX. Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency cannont furnish a account without my written instructions
Consumer complaint received 2018-12-10
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: WELLS FARGO & COMPANY (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX WELLS FARGO CARD SERVICE CREDIT BUREAU DISPUTE RESOLUTI XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX The above companies have collections and/or charge-off accounts on my credit reports I have disputed it. It has been over 30 days and the credit bureaus have not given me a response. This is not my account and the account was opened fraudulently. These accounts need to be removed from my credit reports.
Consumer complaint received 2018-12-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Absolute Resolutions Corp. (OR)

I have overpaid to XXXX XXXX XXXX XXXX XXXX ( hereinafter " XXXX '' ) for benefit to their client Absolute Resolutions Corporation ( " ARC '' ) {$1000.00}. I have been repeatedly assured by representatives from XXXX and from ARC that the overpayment which was received from my employer in the form of wage garnishments that the companies executed, then failed to stop upon receipt of payment in full, would be or have been returned to me. The most recent response from XXXX through the CFPB states that a refund in the amount of {$560.00} was sent to me along with a letter confirming that the judgment was satisfied on XX/XX/2018. As of this date ( XX/XX/2018 ) I have not received any satisfaction letter nor any refunded amounts from either XXXX or ARC. I have contacted 'XXXX XXXX ' at XXXX via phone on XX/XX/2018 @ XXXX XXXX XXXX and was told that the refunds had not been sent and that the XXXX accounting department would be contacted to follow up on the issue. I was also told that the additional {$480.00} which was garnished and sent to XXXX from my employer on XX/XX/2018 could not be located and I was asked to follow up with my employers payroll company for assistance in locating the funds. Both XXXX and ARC submitted responses to my CFPB complaint dated XX/XX/2019 that this matter was either resolved or in the process of resolution. As of XX/XX/2018 that is not the case.

I would like both companies to provide proof of every correspondence regarding this matter that has been sent to me as well as copies of the checks that have been received on this account and refund checks that have been allegedly sent to me on XX/XX/2018. As of this complaint, ARC through it's representative XXXX, owes me the total overpayment amount of {$1000.00}.
Consumer complaint received 2018-12-10
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: ID Analytics, Inc. (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the FULL Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply. My name is XXXX XXXX XXXX please remove any other variations of my name. I have recently discovered that my ID was used in XXXX for fraudulent charges and accounts. 
The following addresses need to be deleted they are not accurate : XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX   XXXX  XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX
Consumer complaint received 2018-12-10
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Community Health Investment Company, LLC. (TX)

Collector XXXX repeatedly spoke over me trying to railroad the conversation into whatever she earns commission for, ignored my questions was not knowledgeable about collections lied about the companies policy on validating debts, threatened to hang up on me when I got tired of listening to hear pretend she knew what she was doing. When I requested a manager shes transferred me to a lower ranked supervisor, probably a friend to try and make the problem go away.
Consumer complaint received 2018-12-10
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. (MN)

There are fraud items on my credit report, all the other credit bureaus have removed and corrected this information expect Experian although I have provided all the information they requested of me including police report. 

Fraud account ; XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXXXXXX XXXX   XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX Fraud Inquires XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX
Consumer complaint received 2018-12-10
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Violation of sec 609 ( correct inaccuracies ) Failure to complete proper investigations XX/XX/18 I received 2nd notice of ACCOUNT VERIFIED for account creditor-XXXX XXXX XXXX, from Transunion I have disputed inaccuracies with this account, twice. 
The account balance and terms reported are inaccurate, according to my original contract. 
Terms are higher. 
Balance is not calculated accurately, based on number of payments made. 
Last payment Made : XX/XX/2018 No payment amount listed for this last payment.
Consumer complaint received 2018-12-10
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

I was shocked when reviewing my credit report and found a late payment on the date below : XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2018-12-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Consumer Adjustment Company Incorporated (MO)

Consumer Adjustment Co added 4 collections to my credit report XX/XX/2018. An account duplication was also noted when reviewing my credit notifications. All debt with XXXX XXXX XXXX XXXX and Hospital are paid in full as of XX/XX/2018. This can be proven with receipts, or by contacting XXXX XXXX XXXX XXXX or Hospital. I already contacted them, they stated all debts are paid in full. These collections need removed. A dispute has been filed as of XX/XX/2018.
Consumer complaint received 2018-05-22
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Landmark Mortgage LLC (TX)

My personal experience that occurred on XX/XX/2018 with our builder ( seller ) which also happens to be the branch manager of a mortgage company were no longer offering FHA loans. When my loan officer was working for landmark mortgage the builder ( seller ) wanted to roll in the closing costs of approximately {$9500.00} into the loan. This was a great idea. However, when i went shopping around for a better rate with other mortgage companies he found out was very upset and told me that if I chose another lender besides his preferred lender, he would not help me pay for my closing costs ( or roll them in ). I have documentation where he stated that he would not honor what he originally had promised us. I spoke with him that he originally was going to assist me by rolling in the closing costs and he agreed. However, he signed amendment he will void the amendment if i decided to go with another lender or mortgage company.
Consumer complaint received 2018-12-10
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (SC)

We closed on our home XX/XX/2018 and were informed during the closing that in South Carolina we would have to demonstrate to the Tax Assessors office that we lived in the home in order to receive the 4 % tax rate. However, closing costs were calculated at 6 % and mortgage payments would be made at the 6 % rate until the assessor reduced the amount and sent us the final bill. We proceeded and received the XX/XX/2018 final bill on or about XX/XX/2018 and sent it to LoanCare ( attachment : Tax bill ). LoanCare responded XX/XX/2018 ( attachment : First response ). After that response, I called LoanCare who then told me that I needed to submit an Escrow Analysis request in writing which I did ( attachment : request ). I received acknowledgement of the request ( attachment : acknowledgement ). I called to inquire based on their response on or about XX/XX/2018 at which time I was informed that it was not complete yet. I followed up on XX/XX/2018 at which time I was told that an escrow analysis would not be completed until XX/XX/XXXX
Consumer complaint received 2018-12-10
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. (NC)

I have requested that the credit reporting agency validate the following information more than 5 months ago with no response. 
XXXX XXXX XXXX I XX/XX/XXXX {$1000.00} XXXX XXXX XXXX I XX/XX/XXXX {$1100.00} XXXX XXXX XXXX I XX/XX/XXXX {$470.00} XXXX XXXX XXXX XX/XX/XXXX {$34.00}
Consumer complaint received 2018-12-10
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (AZ)

On XX/XX/2018 I was going to buy a trampoline for {$80.00} on XXXX. When buying they advertised if you buy something for more then {$50.00} and apply for the XXXX XXXX credit card they will give me {$45.00}. So I applied for the credit card that same day and was approved for XXXX limit. I attempted to use the card online and it was impossible to use. I called Syncrony Financial and XXXX XXXX, and they were not able to help to buy the trampoline with the credit card I qualified for. I called multiple times that day, and no one was able to help. They said they would email me a link to make the purchase with the new credit card and nothing worked. Synchrony said they were not able to give me the credit card info for security reasons. They informed me once I receive credit card to make purchase and I will receive the promotion. When I got credit card almost 2 weeks after I went into XXXX XXXX Website and bought the trampoline, and called Synrony to ask when will credit be applied, and they are telling me because I did not buy the product with the credit card that same day they can not honor the promotion. Then I called a second time and they said they will put in a request and it should take two day. I called today and they told me they don't see the credit and that they will put another request and to give it two more days. At this point I have lost confidence in synchrony and I just want them to give me the XXXX dollar credit promotion as they promised. I don't need the credit card I could have bought this cash, but I wanted to take advantage of the card promotion and the points they offered. I am so upset at them that I don't even want to use the credit card anymore and I just want the credit. I am asking for them to be ethical and to give me the XXXX dollars they promised.
Consumer complaint received 2018-12-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have requested that the credit reporting agency validate the following information more than 5 months ago with no response. 
XXXX XXXX XXXX  I XX/XX/XXXX {$1000.00} XXXX XXXX XXXX I XX/XX/XXXX {$1100.00} XXXX XXXX XXXX I XX/XX/XXXX {$470.00} XXXX XXXX XXXX XX/XX/XXXX {$34.00}
Consumer complaint received 2018-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I have received and email from XXXX  on XX/XX/2018 of a complaint I did not submit. They claim that they have investigated this address which I have never seen or have lived in XXXX. The address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Single family and that Information on this item has been updated as shown above. They have a Report Number : XXXX  Date Generated : XX/XX/2018. I have never lived in XXXX nor been there. I disagree with the out come of this address which I never submitted in the first place. I want this unknown address removed immediately.

Also I have tried to have them remove addresses that do not belong to me.

XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX All of these address are incorrect and needs to be removed.
Consumer complaint received 2018-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

1. Collections : XXXX/XXXX Account Type : Collection Agency/Attorney Creditor Type : Rental/Leasing Date:XX/XX/XXXX Original Balance : {$2500.00} Dispute this company : Identity Theft 2.XXXX/XXXX Account Type : ChargeAccount Date OpenedXX/XX/XXXX Dispute this companyI payment on time, There's no reason to automatically close my account. 

3. XXXX/XXXX Account Type : ChargeAccount Date Opened : XX/XX/XXXX Hight Balance : {$1700.00} Dispute this company : Identity Theft 4. XXXX/XXXX Account TypeChargeAccount Date OpenedXX/XX/XXXX Hight Balance : {$2100.00} 5.  XXXX/XXXX Account TypeChargeAccount Date Opened : XX/XX/XXXX Hight Balance : {$1500.00} Dispute this company : Identity Theft 6. XXXX/XXXX Account TypeChargeAccount Date Opened : XX/XX/XXXX Hight Balance : {$180.00} Dispute this company : Identity Theft 7. XXXX/XXXX Account TypeChargeAccount Date Opened : XX/XX/XXXX Hight Balance : {$300.00} Dispute this company : Identity Theft 8. XXXX XXXX  XXXX Account TypeChargeAccount Date Opened : XX/XX/XXXX Hight Balance : {$300.00} Dispute this company : Identity Theft 9.  XXXX Account TypeChargeAccount Date Opened XX/XX/XXXX BalanceOwed {$930.00} Dispute this company : Every time I pay on time, I have paid off my arrears. 

10. XXXX Account TypeChargeAccount Date Opened XX/XX/XXXX BalanceOwed {$2100.00} Dispute this company : Every time I pay on time.There is no reason to close my account. 

11. CHASE CARD Account TypeChargeAccount Date OpenedXX/XX/XXXX BalanceOwed : {$2100.00} Dispute this company : Every time I pay on time, I have paid off my arrears.There is no reason to close my account. 

12. XXXX/XXXX Account TypeChargeAccount Date  Opened:XX/XX/XXXX BalanceOwed : {$1500.00} Dispute this company : Every time I pay on time. I have paid off my arrears.There is no reason to close my account. 

Appeal : I'm a wholesaler on XXXX. Closing my account has had a great impact on my business company and individuals. Every time I pay on time.
Consumer complaint received 2018-12-10
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: SYNCHRONY FINANCIAL (PA)

Several companies listed inquires on my report that I did not personally request. I have contacted XXXX and notified them that I have been a victim of this and got no resolution. 

XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/2018, XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone number not available Inquiry Type : Individual Requested On : XX/XX/2018
Consumer complaint received 2018-12-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (VA)

Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2018-05-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CO)

We have been hooked into a mortgage scam. Wells Fargo Home Mortgage holds our mortgage. We have had a financial setback that has us working with their specialists. During this process they have allowed ALL of our personal financial information to be released to a scammer. We were contacted by a " XXXX XXXX  '' calling on a Wells Fargo number ( XXXX ) who told us that they were with underwriting and that we had been accepted for modification however we needed to immediately replenish our escrow account with a very specific {$1300.00}. They wanted it sent either by XXXX XXXX or XXXX immediately to a " XXXX XXXX XXXX '' supposedly a Wells Fargo attorney in XXXX. I also had to call back XXXX at XXXX. Some red flags were going up so I grilled him -- he had ALL of our personal information -- my wife 's full name, our social security numbers, loan amounts, addresses, etc. When I questioned why I was calling XXXX to send money to XXXX, he asked if I wanted him to call back on the Wells Fargo XXXX  number -- I said yes and he did.

Wells Fargo has negligently allowed all of our personal data to be acquired by these scammers. None of what they were saying was true.
Consumer complaint received 2018-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

I got a letter stating all your Citi credit cards are closed. The reason was, too many hard inquiries. I called in on XX/XX/2018 at XXXX spoke to XXXX ID # XXXX asking why my accounts were closed she transferred my call because a different department handles that. XXXX from XXXX Call Center answered I said I do not have too many hard inquiries so the representative pulled a credit report and said she does not see anything wrong with my account and i did not have any negative relationship with Citi Bank since i have been a member and she will put in a request to open my account. On XX/XX/2018 at XXXX XXXX  I called in again because my accounts were not opened. I spoke with XXXX  ID # XXXX. She said she will put the request back to open my accounts and i will receive a reinstatement in 5-7 business days. She also pulled a credit report and stated she did not see anything wrong with the credit report. I followed up on XX/XX/2018 at XXXX XXXX  spoke to XXXX she stated the request is still in process and will send an email to the department that handles it so they make a decision. On XX/XX/2018 at XXXX XXXX  i spoke with XXXX from credit department ID # XXXX and she stated they will not open my credit cards because of too many opened accounts ( which is not true I will attach my credit report. In my credit report you will see there was only one credit card opened in the last 3 years ). I have opened a business so I applied for few business credit cards to build my business credit. One is XXXX XXXX which is showing on my personal credit report and one is from Citi Bank because I have been a member for 13 years and I considered it my favorite bank. Citi bank does not show the business credit card on my personal credit report.
Consumer complaint received 2018-12-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: First Technology Federal Credit Union (CA)

I applied for a personal loan with First Tech Federal Credit Union on XX/XX/XXXX for $ XXXX. Online advertised 24 hours loan approval decision, and its been 84 hours, and I have not gotten the loan approval from the XXXX XXXX. 

I was advised that I would get the approval within 24 hours from the Financial Representative helping me.