davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-21
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. (CA)

Hello, Few weeks ago, I received a message from XXXX XXXX that I am eligible to apply for a personal loan at a very low rate. XXXX XXXX sent me a list of companies I can deal with and also stated, if I deal with these companies and my credit is pulled, " It will be a " SOFT '' pull and will not affect my credit ''. I called few companies to check on the offer and afterward to my surprise I have 13 inquiries on my credit report in which lowered my scores by almost XXXX points. I never consented to anyone to use my account for a hard pull. I trusted these companies that they are legit and they are telling the truth. Unfortunately, this situation is preventing me from acquiring the needed loan. I do appreciate your involvement, your help and influence in correcting this issue with the credit reporting agencies. I thank you in advance for your help.
Consumer complaint received 2019-03-07
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (NJ)

At settlement we, the sellers, were given a Payoff Statement and under 'Quote Detail ' there was Unpaid Principal, Interest Due, and " Fees Billed of '' {$5900.00}. We asked the company, Mr. Cooper, for a breakdown of those fees. They said it would take 2 weeks. I told them that one of their girls said she would have it in 48 hours. That was a week ago. That never materialized. In that " Fees Billed of '' we believe is a fee for XXXX ( 3rd party co. for Mr. Cooper ) for {$1500.00}. Mr. Cooper was supposed to register our property with our town when we got the mortgage 3 and a half years ago but they failed to do their due diligence and our property was tagged as a vacant lot by XXXX. We were anything but a vacant property. ( 4 bedroom house with a barbershop and a parking lot ). Several people I talked to at Cooper gave me different answers to the same questions. We are very suspicious of Cooper and believe they are trying to buy time to finagle the numbers. Even our title insurance co. is being very vague about the breakdown of fees. Honest Title Ins. was supposed to be working for us I presumed Apparently they are considering suing us because Cooper and XXXX XXXX worked out a deal where Cooper paid XXXX  's fees so they could turn around and sue us. For what? I'm not sure.
Consumer complaint received 2019-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

Equifax and XXXX are reporting incorrectly that I am 90 plus days past due on the XXXX   accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 8 and 9 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-05-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocean Lending Home Loans (CA)

XX/XX/19 I was randomly called and then texted by a company called Ocean Lending ( Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act - Lic # XXXX ) by XXXX XXXX XXXX. The voice mail states they have an active loan application with missing information. I have never requested a loan from them. Turns out it was a cold call to solicit a loan. My phone number is also on the National Do Not Call list. I re-add it to the list every three - six months. 

This is a pretty shady business practice from this organization.
Consumer complaint received 2021-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP (FL)

My partial identity was apparently used to open two different accounts with US bank on XX/XX/XXXX and on XX/XX/XXXX according to XXXX  records, both accounts were fraudulently opened using an address and phone number not associated with me and apparently they submitted payments using a bank account not associated with me as investigator XXXX from the fraud department of us bank was able to verify by calling the bank with me online and hearing from the XXXX XXXX agent that this account was not associated with me. 
I learned of the existence of these fraudulent accouts through XXXX  after reviewing the annual free copy of XXXX  and not because US Bank has communicated with me at the time these accounts were opened or any other time, neither by letter, nor by account statements., phone calls or emails, not even when I opened my first dispute through XXXX  in XX/XX/XXXX when I reported the two fraudulent accounts and on XX/XX/XXXX they denied my dispute without having 100 % accurate information of my identity and so on I was also denied on XX/XX/XXXX ensuring that the information had been verified as AUTHENTIC, which is not real as I can prove through my DL, phone number, email address etc. 
After several months trying to resolve this negative situation through XXXX  and XXXX  without any favorable or valid results, I decided to contact US Bank directly and finally this morning the agent XXXX from the fraud department called me with a defiant attitude and without any professional ethics. nor any valid proof, He try to make myself responsible for a debt that does not correspond to me and accuse myself of being a liar and forcing myself to call XXXX XXXX to verify with the bank that the account that US Bank had as a reference of payments made to those fraudulent accounts indeed did not belong to me, yet So he refused to remove those fraudulent accounts from my record claiming that he still has evidence against me even though the address, phone number, email and bank account from XXXX XXXX are not associated with me Upon hearing this, I asked him to speak to his supervisor to try to find a coherent answer, and he denied that option, telling me that the supervisor would call me in 48 hours.
Consumer complaint received 2019-05-22
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

This is in reference to a closed claim XXXX, I'm disputing the resolved claim stating that we linked a credit card opened by XXXX XXXX and XXXX XXXX XXXX XXXX for overdraft charges totaling almost XXXX, we never use a credit card to cover such charges we either use our savings or just deal with the charges at that time mentioned I'd spoken to USAA and let I was XXXX from the XXXX XXXX and would be closing my account due to needing a physical bank and wasn't happy on how we were being treated customer service wise and unfamiliar charges to our account which was pertaining to the Identity Theft which occurred by a visiting relative stealing our information back in XXXX before the 2nd identity theft occurred which I attached the information to you. My son XXXX should not be held responsible for these charges or myself, if we made the charges we would pay these but we are unaware of such charges. We changed to another bank during the time period of XXXX - XXXX so how can these charges have been implimented I've tried to access my previous account with USAA to view these claims and have no access. I won't the information sent to me via email or mail so I can review the for go charges mentioned, its sure is funny when my son ask for access to his account he was told that wouldn't be possible until he spoke to corporate office and you all send a resolution stating items on my account which was the same period he requested and was told it was to far back to pull anything up. This is really an issue as we are trying to clean up our credit so my son can purchase a home and my wife and I can enjoy our retirement with this hanging over our heads. Help would be appreciated in this matter.
Consumer complaint received 2019-05-21
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. (TX)

XXXX  and Transunion are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX partial account number ****XXXX-XXXX. ( Please see page 6 of the attached credit report. ) I have already called XXXX and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX   however XXXX and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Consumer complaint received 2019-03-06
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (MN)

I had a line of credit with OneMain Financial and paid off my entire balance in the fall and have never missed a payment. In XX/XX/2018, I received a statement for {$50.00}. I called and talked to one of their Customer Care Representatives and was told it was an annual fee for having an open credit line. I told him I didn't want one and he advised he was going to remove the {$50.00} annual fee and close my line of credit. In XX/XX/XXXX I got another statement now showing that I was past due, again I called and spoke to a female. She apologized and stated she was going to bring this to her Supervisor and have it removed and assured me this was going to be taken care of. Now in XX/XX/XXXX, I got another statement and now I am being reported as past due. I called and spoke to XXXX another representative and she told me she didn't show a balance and couldn't help. She refused to give me to their credit dispute department. I finally asked for a supervisor, XXXX XXXX and she apologized and said the past reps actually didn't do anything even though it was showing why I called. She said it would be removed but takes 21 days and wouldn't help remove the negative reporting. I want a letter stating I have a XXXX balance and my credit updated immediately as I will be looking to relocate and need my good credit rating.
Consumer complaint received 2019-05-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SUNTRUST BANKS, INC. (GA)

Hello, I opened my account with Suntrust Bank in XXXX of XXXX. There seemed to ne an issue immediately when a routing number and last 4 digits of an account number showed up. When XXXX  it came it wex bank, i called wex and repoorted that i have never had an account with them which they verified. I then filled a report with your agengcy. The report was closed upon Suntrust response that it was from a prior account. That cannnot be so beacuse the acct i had with them in XXXX was only a CD not able to make external transfers. Now the issue is that ( A merchant on behalf of XXXX has taken money from my account. XXXX has confimed they no longer have my auto bill info. I do belive that it is a merchant acting on behalf of XXXX and Suntrust allowd the transaction simply based on past purchases from a simularly named merchant. I would like to request an immedite investigation as i belive my account has been compromised from day 1. I will also file a report with the FBI. 
Thank you
Consumer complaint received 2019-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I sent Transunion CRA a identity theft report and letter stating I was a victim of id theft and referenced the fraudulent accounts. Under the FCRA 605B I asked that the fraudulent accounts be blocked and removed. Transunion notified me by mail that they were not going to honor my FCRA 605B request because they have determined that my request has either a ) been done in error b ) is a misrepresentation of material fact c ) you have obtained possession of good, services, or money as a result of the transaction issue.

I see no evidence that they have, for example, asserted that I have made any material misrepresentation. Transunion has not shown that my id theft report contained a material representation before they can legitimately decline to accept my id theft report.

I see clear basis for violation of the decline provisions under section 605B ( c ) and further indication of willful noncompliance, which subjects them to actual and punitive damages, and legal fees pursuant to FCRA 616.
Consumer complaint received 2019-05-22
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CNG FINANCIAL CORPORATION (TX)

This company has been calling repeatedly daily ( 4x today and I have spoken with them 4 times ) and called my husband, my mother and my father today and left voicemails with each of them. They are threatening that they are filing a case against me and going to send the sherriff to my job and home. XXXX told me I would not be able to purchase a home or car in the future due to this. I know this is not true and know it is harassment. The phone number they are calling from is XXXX
Consumer complaint received 2019-05-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On about XX/XX/2019 I opened two custodial accounts for my daughters ( minors ) with two checks from their great aunt dated XX/XX/2019. The checks were drawn on XXXX XXXX for {$15000.00} each which intentionally is the annual exclusion amount for 2019 as this was part of her estate planning. 
While both checks cleared from XXXX XXXX, Chase Bank decided that one of them was fraudulent, closed the account without notifying me, and I've been fighting with them for four months to get my daughter 's money back from them. It is currently held by them and was not returned to XXXX. 
Originally they asked that the donor call them but she was in failing health in a nursing home so we sent them the authorization from her Power of Attorney which they said would work. The donor XXXX in XXXX and now they want the executor to drive several hours from his home in XXXX to a chase bank in Ohio to prove he is executor and indicate the check is not fraudulent. I believe any reasonable person would find this unacceptable. 
Facts around the issue and expectation : The check cleared the XXXX XXXX account in XXXX of 2019 as did several others for the same amount and this is the only one with a problem. Chase had two accounts opened and funded by the same XXXX account, signed by the same holder, on the same day and neither one was returned by XXXX. Both checks were for the unified annual exclusion amount of {$15000.00}. At some point common sense should indicate their flagging this check as fraudulent was in error and they should give my daughter back her money.
Consumer complaint received 2019-05-21
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Bread Financial Holdings, Inc. (MI)

currently enrolled in debt relief program and have been instructed to not communicate with the creditors listed in my account. XXXX XXXX ( XXXX   ) has just contacted me at my employer. my debt relief company suggested i file the complaint due to this being illegal? XXXX from XXXX XXXX/XXXX   called me XX/XX/19 around XXXX XXXX. her call back number is XXXX XXXX  XXXX.
Consumer complaint received 2019-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

Account showing a 90 day late payment. Account was never 90 days late. It was always in deferrment. Even payment history shows account was current month before, then all of a sudden 90 day late payment. This is inaccurate reporting and needs to be removed immediately from all credit bureaus. See attachment from Experian credit report.
Consumer complaint received 2021-02-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Request for immediate and urgent removal of the following unauthorized/unrecognized/unwarranted inquiries from my XXXX, XXXX and transunion credit reports. 

XXXX ... ... ... ... ... ... XXXX XX/XX/XXXXXXXX XXXX  XXXX ... ... XXXX XX/XX/XXXXXXXX XXXX  XXXX ... ... ... ... XXXX XX/XX/XXXX XXXX  XXXX  ... ... ... ... ... XXXX XX/XX/XXXX XXXXXXXX XXXX ... ... ... ... XXXX XX/XX/XXXX XXXX XXXX XXXX  ... ... XXXX XX/XX/XXXX XXXX XXXX ... XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX ... ... ... ... ... ... ... ... ... ... XXXX XX/XX/XXXX XXXX  XXXX   XXXX  ... ... XXXX XX/XX/XXXX XXXX  XXXX  XXXX  ... ... ... XXXX XX/XX/XXXX XXXX XXXX XXXX ... ... XXXX XX/XX/XXXX XXXX XXXX  ... ... ... ... ... ... ... ... XXXX XX/XX/XXXX XXXX  XXXX XXXX ... XXXX XX/XX/XXXX XXXX Auto finance ... ... ... XXXX XX/XX/XXXX Action taken by me : All accounts are in dispute. Thanks for your prompt assistance.
Consumer complaint received 2019-03-07
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. (IL)

Equifax intentionally refuses to meet compliance with 609 ( a ) ( 2 ) ; ( a ) ( 4 ) ; 611 et. seq. and/or additional FCRA laws, & more importantly violation of the Fair Accurate Credit Transactions Act ( FACT Act ) of 2003 enacted by congress in which its behavior may have risen to either a criminally or civil liabilities claim.

Repeated requests to provide methods of accuracy & verification used by Equifax pursuant to FCRA 's promulgated statutes, rules, authorities and/or 611et. seq., remains intentionally silent or misdirected and thereby remains non-compliant of FCRA 's authorities to date.
Consumer complaint received 2019-05-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: SYNCHRONY FINANCIAL (SC)

On XX/XX/2019, I received a letter from PayPal Credit dated XX/XX/2019 thanking me for opening a PayPal Credit account. I have never opened a PayPal account or applied for a PayPal account. On XX/XX/2019, I called PayPal to tell them about this. I spoke to two people, neither of which could help me, but referred me to Synchrony Bank, stating that it was handling all new accounts for PayPal. I spoke to a person as Synchrony who could not help me but referred me back to PayPal. I then spoke with the third person at PayPal who said it was a Synchrony issue and should would get them on the line and stay on with me. She then disconnected my call. I called back to PayPal and left a message to call me and they never did. I then called Synchrony, talked to another person who could not assist me and then asked to speak to the supervisor. The supervisor said she would not help me unless I gave her all of my personal information and my only resort if I didn't was to contact the credit bureaus. I have spent approximately 3 hours talking to six individuals with PayPal and Synchrony who have set up a PayPal account in my name, but no one can help me close it as I do not want it. Please HELP!
Consumer complaint received 2019-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (FL)

I had a financial change and have tried on multiple occasions to set up payment plan options with XXXX  XXXX XXXX credit card to keep from having to file bankruptcy or work with a credit counseling service. They refuse to work with me to be able to payoff balance. Also, they did not have the automatic payment options I had tried to set up on multiple occasions which has cause a ridiculous amount of fees. I had excellent credit leading up to this last year and a half due to our financial change and they have done nothing but make our ability to try to handle it impossible.
Consumer complaint received 2019-03-07
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CT)

For the last 10 years have been paying granddaughters student loan as she is deceased. The lender tells me it doesnt matter that she is deceased as I am the co-signer. Students cant grt loans for college without co-signer I am on a fixed income
Consumer complaint received 2019-05-22
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. (WA)

I called Equifax today XX/XX/19 at XXXXpt to dispute something on my credit report because they still haven't fixed there mobile site after 12 months of it being broken .I was on the Equifax website and called there customer care and was greeted by a nice XXXX man named " XXXX '' who I gave all my personal info to including my SSN only to be told I didn't pass there security screenings and that I had to go to the BROKEN web page to file a dispute he also gave me another website www.investigate.equifax.com when I asked if he was Equifax he got very shady and tried to give me the run around so now I don't know who I just gave my personal info to neither does the company I called and I want my identity protected from this credit agency shady practices