davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

Equifax continues to report a bankruptcy that is not mine - I did not file this bankruptcy, I did not hire an attorney to do so, I did not authorize anyone to file this in the bankruptcy court. I have complained against them previously with your organization as well as the attorney general for CA, the XXXX and the FTC. Someone filed this and it was not me. I also provided the proof to them that I was n't even IN THE COUNTRY from XX/XX/XXXX to XX/XX/XXXX, so how could i have possibly filed this??? I have the border stamps to prove this, which I did send to them. 

In addition, I was able to get XXXX to remove this because IT DOES N'T BELONG TO ME, so how are they keeping this on there, when I provided the proof that those are not my signatures on the bankruptcy paperwork? I provided everything that they need. I WILL take them to court if they do n't remove this, but I 'm giving them the chance to save themselves some money. 

Fact # 1 : The signatures on the bankruptcy do NOT belong to me, were not made by me and I have included enlarged images of my CA state driver 's license as well as my passport for you to see the blatant differences in the signatures on the petition which do not belong to me. 
Fact # 2 : Not only was I not in the country during the date it was filed, I was not in the country during the entire year. I was out of the country from XX/XX/XXXX-XX/XX/XXXX and I am enclosing enlarged images directly from my passport which verifies this information with border stamps. These prove that I was not in the country not only on said dates of filing, but out of the country that entire year. 
Fact # 3 : The accounts included in the bankruptcy are not only not my accounts, but they are not even on my credit report. 

US BK CT XXXX XXXX Docket # XXXX - this bankruptcy must be blocked and removed pursuant to section 605B of the FCRA. I did not initiate, agree to, sign for, file or have anything to do with this
Consumer complaint received 2015-12-21
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (NC)

Synchrony Bank, during the month of XXXX 2015 closed my Gap Credit Card Account XXXX. Synchrony Bank failed to properly provide reasons of why my account was closed ; for this is a violation of the Equal XXXX Opportunities Act. For only XXXX reason was given by Synchrony Bank in which it stated the Gap Credit Card account has been closed due to returned payments on another Synchrony Bank Credit Card Account. The referenced returned payments were additional payments on account ; a payment that was due for the regular monthly payment has never been returned nor has any account been late. 

According to the Equal Credit Opportunities Act Synchrony Bank 's reason was not specific to the account it closed and the reason was only XXXX which did not apply to the referenced account. Due to Synchrony Bank 's discriminatory acts which Synchrony Bank disproportionately utilizes against its minority consumers in violation of the Equal Credit Opportunities Act this has caused me damages.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UNITED STATES MINOR OUTLYING ISLANDS)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2016-08-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NJ)

Equifax is reporting that my account with XXXX XXXX / XXXX which was owned by XXXX XXXX at the time of the reported late payment in XX/XX/2014 and later sold to XXXX. XXXX is reporting the late payment information. I have spoke with XXXX XXXX and they state they have corrected the mistake and are reporting the account to XXXX as paid on time. XXXX is reporting it as paid late and I can not get any information from them because they did not own the account at the time it was reported late.
Consumer complaint received 2017-03-06
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (FL)

I 've repeatedly told XXXX my personal data was shared online and people were applying for credit under my name. They continue to release my credit report. Additionally, the fraud alert does n't even have my current phone number, which is XXXX. Equifax needs to remove the fraudulent inquiries from my credit report.
Consumer complaint received 2015-08-21
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (TX)

I began contacting Barclay/Juniper for an account I had in XX/XX/XXXX. I had filed bankruptcy in prior years and came to learn three years later that Barclay/Juniper ( amongst others ) had increased my interest rate from or about 3.5 % to over 29 %. At no time did wIe miss or was I late on a payment. Barclay/Juniper, along with several other credit card providers, discovered the bankruptcy, in which I did NOT include any credit card debt I owed, and started slowly increasing the interest rate. After several years of paying the invoices I discovered the large increase and notified each credit card company that followed this process and demanded that they reduce the rate and provide a refund. Many did but Barclay/Juniper did not. I quit paying on the card and continued to demand a refund, which would have resulted in me owing nothing on the card. In XX/XX/XXXX, when the write-off showed up on credit report, I began writing Barclay/Juniper, the credit reporting companies and eventually a collection company that contacted me about the debt in an effort to have the charge off removed from my credit report ( see attached letters ). Along with the letter I provided a spreadsheet showing each invoice from the beginning of the account, when it was paid ( to show they were not late ), the interest listed on the invoice and paid, the amount of interest that should have been invoiced and the amount of overpayment ( see attached ). I also requested information that was outlined in the Fair Debt Collections Act in each letter. I have just been turned down for a mortgage refinance on my home because this item is on my credit report. My savings in monthly payments due to the reduced interest rate would have been over {$1200.00} a month, a loss of roughly {$72000.00} over the next five years. 

My wife had a Barclay/Juniper card and had the same problem. Her debt was eventually sold to XXXX and a similar letter and spreadsheet was provided showing she did not owe the debt. XXXX immediately relinquished her from the liability and removed the debt from the credit reporting agencies.
Consumer complaint received 2024-10-22
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 2015-07-15
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2015 I contacted Capital One credit card company to get a full pay off balance on my accounts and to close the accounts.They gave me a full pay off balance which I knew to be double the amount owed.Against my better judgment I payed off the accounts approximetly $ 2300.00.within 14 days I received a refound of {$510.00} I promptly contavted them they assured me I was owed the refund.I cashed the check and within 14 days received a letter from them stating I owed them {$510.00} due to an error in their record keeping.I called them and contacted them in writng telling them wht they were attempting to do was fraudulent and they could be held liable, and they responded by laughing and mocking me.I fully understand credit card companies feel they are above the law and maybe they are but this is not rite.accounts were ending in # XXXX and XXXX.Please help.this cant be legal.
Consumer complaint received 2016-08-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

XXXX ( XXXX XXXX XXXX ) is trying to collect a debt that is no longer owned by the loan holder that they claim is the loan holder ( XXXX XXXX XXXX ). I spoke to several people at XXXX as I was trying to pay a debt that was originally placed on my bankruptcy and resolved, however, I was told its a possibility of it re-surfacing. After speaking to XXXX and them telling me they were not the loan holder and they could not change anything with my loan, I asked who is the loan holder and contacted who they said is my loan holder which is XXXX XXXX XXXX. My XXXX XXXX said they do not own my loan and have no records of it. I then called back to XXXX and was told, " no one owns my loan ''. I now know that they are just a collection agency trying to collect a debt that was resolved in my bankruptcy in XXXX. I want them to take this off my credit and to stop harassing me.
Consumer complaint received 2015-12-06
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: STONEGATE MORTGAGE CORPORATION (TX)

Stonegate Mortgage representative issued us a pre-approval letter at 5 % down payment for the property we were interested in buying. Once we got the pre-approval letter, we made an offer on the house, came to agreement on the contract, hired an inspector, etc. During the 10 day period, the Stonegate representative left a voicemail saying she was " having to step away for personal reasons '' ( we now know that all XXXX Stonegate branches had closed ), and that she passed on all of our information to a representative with another company without our permission. About three days before our 10 day option period ended, the new representative called us to tell us that with the way our finances were, there was no way we could afford to buy that house we had already spent {$970.00} on ( Inspection fee, Termite inspection fee, and Option period fee ) and that we could not be issued the loan for the house. Another day later ( 2 days before the end of the option period ended ), he called again to say the only way we could buy the house was to put 10 % down instead of 5 % ( our original pre-approval letter from the representative at Stonegate was issued for 5 % down ). We could not afford the 10 % down as that was not part of the original pre-approval letter. If we had known that in advance, we would never have spent/wasted almost {$1000.00} on a house we were n't going to get a loan for, and on a house we should never have gotten a pre-approval letter for.
Consumer complaint received 2017-01-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MD)

After I graduated from college, I was unemployed for 8-10 months. During this time I would get a lot of harassing calls from Navient. They set my monthly payments to $ XXXX for my student loan payment. I was unemployed and there was no way I could pay that amount. So I called and called to get a better rate, during this time they sent me to a debt creditor. Now I am a college graduate with a credit score of 500 ( due to Navient student loan ) and unemployed. So this put me on hold from getting my Federal Clearance. Now I ca n't get this good job on the XXXX and I ca n't receive a Top Secret Clearance because of my poor credit score. 
Navient then sent me to a debt collector called ( XXXX ). XXXX was the worst headache of my life. They first tell me, I ca n't become current in payments until I make ( 9 ) consecutive payments/months. So this means my credit will be awful for at least a year. So I begin to make the payments, now my total loan amount is creeping up daily. After the third payment, they stop collecting my money. I call daily trying to make a payment, they then tell me I have to start my program over because I missed payments ( payments they REFUSE to take out of my account ). 
So then I consolidate my loans, so no more XXXX. So I become current in my ( {$83000.00} loan ). Mind you my school fees were $ XXXX, so I have no idea why I am paying {$83000.00} and this is not including my Masters Loan. So I am trying to set up a payment plan Navient. The payment they tell me is $ XXXX, so we come to an agreement to pay {$230.00} after I sent them my monthly bills and income. Now I am still unable to acquire a Top secret clearance, my loan is increasing Daily, and now they only take the money out for the first month. Then I check my statement again and they never continue to take the payment, so my credit score will never increase and this is just a big head ache. I just wanted to go to school and become successful, I never thought the result will mess my credit up so I can now never receive a Clearance, buy a house or a car.
Consumer complaint received 2024-10-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MN)

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 2016-07-05
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: PNC Bank N.A. (NJ)

PNC BANK ALLOWED XXXX TRANSACTIONS TO MY CHECKING ACCOUNT THAT ALSO HAS A DEBIT CARD. THESE TRANSACTIONS WERE COMPLETED BY SOMEONE IN XXXX. I HAVE REQUESTED THE BANK FOR A PRINT OUT TO WHICH IT IS ON FILE. AT THE SAME TIME MY MOTHER KNEW HOW TO FILE A REPORT WITH XXXX SO THAT WAS COMPLETED THIS AM. I DEMANDED THE BANK TO PUT THE FUNDS BACK INTO MY CHECKING ACCOUNT THAT TOTALED {$740.00}. PNC IS ONE OF THE LARGEST BANKS AND TO THINK THAT THEY ARE NOT ON TOP OF THIS
Consumer complaint received 2019-09-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical-Commercial Audit Inc (CA)

MCA Management Company out of Missouri placed a collections on my credit report for {$1500.00} back in XX/XX/XXXX. I don't recognize this account and will need verification of this account and what the {$1500.00} is for. There wasn't any mail in regards to what the collections is for. 

As highlighted in the FCRA Reporting Act, please provide verification of this collection. Also, please cease any collection calls immediately if there are any in the near future.
Consumer complaint received 2023-04-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have asked the credit bureau to do a verification of everything on my credit report and they did and stated that everything was accurate so I did a thorough research myself and found improper inaccuracies on my report after the research. 


XXXX Account XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account XXXX 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 can not furnish a account without my written instruction.
Consumer complaint received 2016-10-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: United Shore Financial Services, LLC (CA)

Property Address XXXX XXXX XXXX XXXX XXXX CA XXXX I had a hardship. I went was laid off, placed on XXXX then XXXX. during this Time, I reached out to my mortgage company for a home modification. 10 months later ( sending documents, being told my account was with the underwriter, reisending documents ) I received a foreclosure notice on the door XX/XX/2016. This is after months of Submitting and resubmitting the documents, the same documents over and over. From XX/XX/2016 until XX/XX/2016 the same thing continue to happened, However XX/XX/XXXX they did n't push my sell date, claiming the Friday before the Monday it was to be sold, that they had n't received a document that I sent and had proof of sending. So I contacted a Bankruptcy Attorney. That Monday, my attorney reached out, they advised him that the sell date was postponed and that they had received my documents and that it was under review. Within a few weeks, I began to receive request for additional documents. The attorney reached out XX/XX/XXXX to get an update and to ask what was the plan because we need the information for court. The same day the modification was approved. and faxed over to my attorney. During this time I was forced to go back to work because they would n't help. The mortgage company has charged me over XXXX in fees. I have no issue with paying what I owe for not paying the mortgage. my issue is that my financial income has not changed in terms of what I make and was bringing home via XXXX. If they could approve the modification now, why did n't they approve it when I first submitted the documents. I would n't owe this much. I believe that they purposely did n't approve the modification because my house is in an area where the property value shot up due to the XXXX coming to my city. I purchased my house at XXXX with XXXX % percent down. The modification is for XXXX. Those are fees associated because they would n't approve my modification loan for months. Why should I have to pay for the underwriter workers dragging their feet, waiting 30 days to ask for documents, then waiting another 30 days and ask for the same document this was a continuous cycle, planned to either wait until I did n't submit a document to sell my house, or rack up fees to make my property un-affordable for me. This practice is not fair. I am a single mother, with a XXXX, XXXX XX/XX/XXXX. I had to go back to work, which the doctors did not approve all because the bank would not modify my loan. then when they do decide to modify my loan the payments are the same. The loan amount his higher along with the property Taxes. I am so confused, how can they do this to me! please help me ... I am so in need of your help!
Consumer complaint received 2016-01-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (TX)

I have dispute several items with Experian. Those items are for XXXX and XXXX XXXX XXXX. Each time they send a response saying the accounts disputed are verified however, they never attach proof of this verification with my results or my credit report. In addition, they do not attach information regarding how they verified the account and they are supposed to.
Consumer complaint received 2015-05-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MD)

These accounts below are over/pass the statute of limitations and shows up as late payments on all three credit reporting agencies ; for more than seven years and have no further rights or remedies with respect to these claims. Please, expedite the removal of XXXX XXXX and XXXX XXXX from my credit report. 
They sent them to XXXX different collection agencies thought out the years and then took them back based on info found and the statements from the agencies. I have a total XXXX and these accounts were sent to " XXXX '' a XXXX agency/company which sense it to the all three credit reporting agencies as a discharge/charge-off accounts. Thank you for your time and consideration.