davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-13
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Finance of America Holdings LLC (CA)

I applied for a XXXX XXXX XXXX reverse mortgage with Finance of America Reverse LLC ( FAR ) in XX/XX/year>. I had the appraisal on XX/XX/year>. On XX/XX/year>, I received in the mail a GFE outlining the terms of the loan. 
After that, I received no other written communication and only received verbal updates through my broker. Despite the fact that reverse mortgages are based on equity and that I have more than $ XXXX of equity in my condo, FAR is continuing to stall in financing the loan claiming I don't have enough income. 
My income is based on part-time XXXX employment and self-employment. My credit report and score are " very good. '' I have provided them with every piece of financial data they have asked for, including letters from the XXXX and my boss attesting to the income plus months of pay stubs and tax returns. 
I contend that they are not acting in good faith, that they are engaging in a 'bait and switch ' from their original GFE  and that there is no indication based on all my financial documents that I can not pay the property tax and insurance that they are claim they are so concerned about. 
FAR  is the only company that offers the XXXX XXXX XXXX XXXX Mortgage. I want to warn other consumers to beware when working with this company. They do not act in good faith.
Consumer complaint received 2024-07-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (AR)

Someone made charges on my account without my knowledge. I filed a complaint. My charges were cleared, but the company is still charging me interest on the cleared charges. 
Barclays XXXX XXXX XXXX XXXX, PA XXXX The last recorded time contacting this company was XX/XX/year>. At that time they told me my account balance was {$0.00}.
Consumer complaint received 2023-05-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

I have been dealing with a foreclosure action on my residential home in New Jersey for over two years. I have lost my job, am on XXXX and in long term care due to XXXX. Despite my XXXX, over the past 12 months my family and I have worked with my Servicer, Select Portfolio Servicing XXXX Inc., ( SPS ) to try to complete a short sale workout. My goal is to resolve this negative litigation in a more favorable end result for myself and my wife that will mitigate the negative credit on our consumer records due to this litigation. 
In XXXX and XXXX of 2023, the Ocean County Sheriff in NJ, set a sale at the same time my Realtor and Short Sale negotiator, XXXX XXXX XXXX, had a short sale offer in place. SPS representatives advised my negotiator that they needed 37 calendar days ( prior to the sale date ) to review the short sale offer. I requested two sheriff sale adjournments and attained an adjournment totaling XXXX days before the sale, to allow SPS to review the package ( see the attached Sheriff Sale adjournment verification letter ). 
Despite being provided over 37 days to review the offer, SPS has refused our efforts and advised in a rejection letter that they would not review the package because " there is a sheriff sale scheduled '' ( see the attached denila letter from SPS ). Given that they advised that they would make a good faith effort to review the package and that they too are allowed up to 60 days of adjournments in New Jersey, it is my position that the rejection was not adequately supported by the facts nor their promises to fairly review the offer ; they have acted in bad faith, and that by doing so, their actions will have a negative impact on my family 's credit. I would like to have this reviewed with them as soon as possible in order to allow my family a chance to resolve this issue through a short sale loss mitigation option, to benefit my family 's future credit.
Consumer complaint received 2024-01-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (CA)

AMSHERCOLLECTIONSERVICE XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Al XXXXhas report this account to the credit bureaus. They refuse to validate the debt and can prove this belong to me. 
AMSHERCOLLECTIONSERVI CES Last reported XX/XX/XXXX  {$360.00} Open balance XXXX XXXX  XXXXXXXX XXXX XXXXXXXX Original creditor
Consumer complaint received 2024-03-20
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. (CA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

ive disputed this numerous times that this is a fraudulent account with XXXX XXXX  and previously Sent a fraud report per the law fcra section 605b this account should be deleted within 4 days and that time has surpassed I'm asking the credit beaurus remove XXXX XXXX  credit card immediately.
Consumer complaint received 2023-04-20
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. (MD)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON , DC XXXX XXXX XXXX Balance : {$17000.00} XXXX  XXXX Balance : {$13000.00} XXXX XXXX Balance : {$17000.00} XXXX  XXXX Balance : {$13000.00}
Consumer complaint received 2023-08-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (MO)

My debit card was used without my consent on XX/XX/2023 in the amount of {$400.00}. I did not authorize this charge or have the card in my possession. I misplaced my wallet on XX/XX/XXXX at a local hospital where I was present for an appointment. I did not notice my wallet was missing until the next morning. I called the hospital and was told it was located and was in lost and found. I retrieved my wallet latter that day ( XX/XX/XXXX ). Seeing that all my cards and ID were present I thought little of it. I noticed about a week or so later that {$400.00} had been charged on my debit card. When I contacted the business that charged the card it was for vehicle lockout service. I asked for the vehicle information and they told me it was for a XXXX XXXX. I told them that I own a XXXX XXXX and my keys can not be locked in my car because my vehicle automatically unlocks the doors if it senses the keys inside the vehicle and the door gets locked. 

I asked them to refund my money and explained that situation with my card. They refused to refund my money. I then contacted Navy Federal Credit Union and they did investigate this incident and issued a temporary refund. Then they told me that because my card was used locally it was not fraud and took the credit back. I do not think I should be responsible for this charge and would like help in getting my funds returned to me.
Consumer complaint received 2020-11-25
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)

Pulled my credit report on equifax, there is a late payment from XXXX XXXX  credit card in XXXX, which i do not have. 
I closed the acct years back so there should be no reason the late payment would show up.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXXXXXX Date of inquiry : XXXX Account name : XXXX XXXX  Date XXXX XXXX XXXX XX/XX/XXXX Account name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account name XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX  XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account name XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX, EXPERIAN, XXXX I am writing to update/correct my personal information on file with your company. 
My ONLY Address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX Please remove all the other addresses off my report XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX XXXX GA, XXXX as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 
PLEASE STOP PUTTING THESE ADDRESSES BACK ON MY REPORT AS THEY ARE NOT MINE YOU ARE IN VIOLATION OF MY RIGHTS My name is XXXX XXXX Please remove any other aliases. 
Please remove all phone numbers. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-01-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CLGF Holdco 1, LLC (GA)

CB/ IndigoXXXX XXXX has information that is reported to my credit file on XXXX which is incorrect and does not reflect XXXX XXXX XXXX XXXX This is not my account and I would like for it to be removed from the credit file.
Consumer complaint received 2023-05-14
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)

I am a living human being, a natural person ;. I have rights under consumer law 15 USC 1681. Equifax is governed by 15 USC 1681 and have violated my rights numerous times. I demand the accounts listed below be removed because according to 15 USC 1681 ; I have the right to privacy. also, I have not given Equifax written consent nor permission to furnish these accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-12
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. (KY)

I have multiple unauthorized inquires on my credit file. I have attached a copy of my etc report as well. 

XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX bank ) XXXX Bank XXXX bank ) XXXX Bank  XXXX XXXX XXXX bank ) XXXX XXXX  ( finance ) XXXX XXXX Bank ( bank ) XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( bank ) XXXX XXXX ( finance ) XXXX XXXX ( finance ) XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  ( auto XXXX XXXX XXXX Of XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( finance ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Bank )
Consumer complaint received 2024-01-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: COLUMBIA BANKING SYSTEM, INC. (OR)

On XX/XX/2023 a deposit had cleared and was available by the Treasury dept for back pay for XXXX benefits. Amount was XXXX. The bank felt there was a mistake and restricted my entire account. I attempted to transfer online to another institution it processed the bank manager stopped it. The ATM declined my request to withdraw and the bank refused to allow me to withdraw from my account. They said they wanted proof that the money was mine and not fraud or a mistake made by the Treasury. On XX/XX/XXXX I returned with proof from the social security office confirming that the deposit was for me. The account was then released to withdraw. But because they discriminated against me by believing that someone like me could not have that amount of money. They have always been rude and shaming. They had no reason to question that deposit directly made from the government and then to withhold not only the amount of the deposit but froze my entire account.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-09-17
Product: Credit 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: WELLS FARGO & COMPANY (NC)

Dear Sir or madam : This contest is about unapproved credit transaction in XXXX, XXXX on Wells Fargo Cash Visa card. I traveled to XXXX between XX/XX/XXXX and XX/XX/XXXX, during my stay in I have rented vehicle from XXXXXXXX XXXX XXXX. The rental fee paid by Wells Fargo Visa card. After returning the rental vehicle to the agency, I received another invoice from the XXXX agency regarding traffic violation. I have not been pulled aside by XXXX traffic police during my car rental period or received any actual traffic violation ticket. I have requested the car rental XXXX agency a copy or picture of the ticket violation from XXXX traffic police to accept the violation traffic fine invoice, But the agency did not show any document from XXXX police, just stated that they have paid my traffic fine and I am liable to {$110.00} and, they stated that they dont have to get an actual proof or document in regard to traffic ticket violation. I have contested the charges to Wells Fargo credit company and asked them all I need a copy of traffic violation from merchant for proof, but Wells Fargo after over 2 months wait and constant phone calls for update, Wells Fargo failed to obtain the copy of the traffic violation from merchant as I request as only the evidence to proof the fine invoice and they restated the charges into my account. Wells Fargo stated based on the agreement contract that Im liable to pay whatever charges without any supporting document or evidence which I did not find such details at contract agreement. 
I hope you can address the issue with Well Fargo, customer should not be liable for any man-made charges without supporting evidence. 
The Claim number with Wells Fargo is XXXX, Disputing amount is {$110.00}. 
File Date is XXXX. 
I have included links for XXXX police to obtain ticket or plate number on case, but no info shown. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Hello : I have a personal loan with XXXX XXXX from my XXXX degree that I completed in XXXX. I recently went into repayment as of last year and XXXX XXXX failed to update my address and deliver the notice of repayment to me via either email or phone or even regular mail. I spoke with them on the phone about this when first noticed this and they admitted and acknowledged that it was indeed their fault and they would fix it on their end. In addition, they proceeded to immediately report me to credit bureau following the call for being delinquent on my student loan even though I made a payment during the call to make my account current and set up an automatic payment for the lifetime of the loan. I am currently in my XXXX program in XXXX XXXX, XXXX. I submitted a dispute with the credit bureau to attempt to get this information removed from my report or at least a note added about the situation and it was denied after speaking to XXXX XXXX about everything even though I had documentation and proof that was provided about the situation. My credit score took a major hit because of this situation which I found highly upsetting as I was relocating to XXXX  for my XXXX XXXX  earlier this year during the summer. It was almost impossible for me to get approved for an apartment out here. Thankfully my father was willing to co-sign for me and as a result I have to live in student housing at age XXXX years old even though I can afford to live in a real apartment. So I currently reside in a studio apartment due to this issue with XXXX XXXX that has carried over all these years despite it not being my fault. Now, I am reaching out to you to attempt to resolve this issue. Possibly have them dismiss the entire debt because of this error in reporting on their part as I have suffered more than enough due to their incompetence and am tired of dealing with them. For the sake of reporting them to you, I attempted to log into the website and my user account could not be found even though I know the information like my own ssn but, of course the website was down. I was actually happy they sold my loans to XXXX the majority of them and excited about the letter received that notified me I currently had no business with XXXX XXXX back in XX/XX/XXXX. However, imagine my surprise when realized we still had a relationship I was unaware of in XX/XX/XXXX. Anyway, please call me at XXXX to further discussion this issue. I am sick of being messed over by XXXX XXXX and I am surprised they are not at the top of the list of most disputes filled against a company. Thank you for your time and have a blessed day.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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