davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC (FL)

I had opened this credit card account recently and was scheduled to make a first payment. I made my first payment of {$100.00} on XXXX the XXXX of XXXX which went through and processed successfully. There was a technical error that occurred due to their website which allowed their system to attempt to process this same payment multiple times ( 3 other times to be exact ). I don't know how or why this happened but their website tried to process this same {$100.00} payment that was already successful for 3 other times on and it was unsuccessful due to me not having that amount of money in my bank account for it to process. 

This Credit card company closed my account due to this technical issue and will not allow me to reopen my account even though my account is up to date, my first payment was paid successfully on time ( before it was even due ). I never had a late charge, nothing. And this company closed my account due to an error on their own website! This is now going to go against my credit, I still have to pay off the remaining balance which they will allow me to do, however they won't reopen my account. Please help me! This is absurd! I literally had the account 1 month and it was in good standing the entire time! This is not right! Their supervisor says there is nothing they can do
Consumer complaint received 2023-05-05
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: EQUIFAX, INC. (PA)

I'm filing this complaint to alert you that I was the victim of identity theft. I looked into how to delete the bogus entries from my report and discovered that I needed to file a report with the FEDERAL TRADE COMMISSION or https : //www.ftc.gov. Credit reporting agencies are required by FCRA section 605b to remove/block any items reported on an id theft report. Please see the ATTACHED documents to help you stop the incorrect information that is being uploaded on my report. 

The following is a list of items that do not belong to me and were opened without my consent. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$10.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed XXXX {$6600.00} ; XXXX XXXX XXXX Balance Owed : {$450.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$340.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$370.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$500.00} ; XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXXXX/XX/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 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.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : 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 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$510.00} XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX Balance Owed : {$110.00} XXXX XXXX  Balance Owed : {$1400.00} XXXX XXXX XXXXXXXX Balance Owed : {$430.00} XXXX XXXX XXXX  Balance Owed : {$280.00} XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

On XXXXXXXX XXXX, XX/XX/2023, XX/XX/2023, XXXX IS REPORTING LATE PAYMENTS ON MY REPORTS AND THAT ABSOULTELY INCORRECT ... XXXX  IS SET UP WITH AUTOMATICALLY DRAFT AND I HAVE MY BANK STATEMENTS TO PROVE I WAS NEVER LATE THIS ON THIS ACCOUNT
Consumer complaint received 2024-02-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC (TX)

Sent verification request to this company on XX/XX/XXXX. Still have not received verification of the debt. I called in with my financial advisor to get more information why they have not responded and to identify the debt that is unknow on XX/XX/XXXX. This business refuses to respond to my request. I have no knowledge of this debt. Collection agency would not provide me details about the debt and told me I need to dispute directly with the bureaus.
Consumer complaint received 2024-02-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (CA)

I am due an annual tax and interest statement for XXXX from Mr. Cooper mortgage company. The loan was sold to XXXX in XX/XX/XXXX, so Mr. Cooper owes me one month 's tax and interest in a XXXX  statement. Their website says that these would be mailed postal mail by XX/XX/XXXX. I have not received any statement from them. When I logged into my online account with Mr. Cooper the only tax years listed for statements end at XXXX. There is no way to contact Mr. Cooper about this from my online account and there is no customer service telephone number provided by Mr. Cooper for contact. Please get me my tax statement in time for this year 's tax filing!
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Checkr, Inc (IN)

Checkr background 's explanation for displaying my ten-year background was that it is allowed in Indiana. However, XXXX 's background checks only go back seven years, and other Indiana residents had their backgrounds displayed for the same period of 7 years. This discrepancy feels like targeted unfair treatment. Intentionally to show an old felony and make it harder for my to be approved for a job offer.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2023-04-27
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: EQUIFAX, INC. (IN)

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please delete the following fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; 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, MO XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXXXXXX 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
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (FL)

Checkr reported inaccurate information to my contractor XXXX. I received background check report after my account was deactivated from Checkr. I reviewed report and noticed it was inaccurate information in that report about an incident that happened in XXXX XXXX Florida In the report it is reporting a pending case that was close no information as if it is current now. 
My license is valid according to the DMV I called the city courthouse & they supplied me with documentation to prove that the information Checkr reported to XXXX is in fact inaccurate. 

Background check companies like Checkr are required to comply with 15 U.S.C. 1681e of the FCRA, which requires reasonable procedures to ensure maximum possible accuracy of the reports being prepared for employment purposes The FCRA requires that Checkrs employment background check reports meet a legal standard of care in the processing of consumer data. Specifically, it must use reasonable procedures to assure maximum possible accuracy when collecting, reviewing, reporting, and investigating the data that goes into employment background checks. 

Checkr employment-related background check report contained inaccurate, misleading, or false information, that resulted in me getting my account with XXXX deactivated, or fired as a contractor If me as a USA abiding citizen breaks any laws I have consequences, you Checkr broke federal laws of the FCRA that governs you willfully and you should be punished to the full extent of the law. Checkr deserves punitive damages to be taught an exemplary lesson that it is simply unfair for such a company to make staggering profits off of procedures that are so inherently flawed that they keep struggling consumers from obtaining simple working class jobs. Checkr blames XXXX. XXXX blames Checkr, and who suffers? '' I am suffering. Economic loss for me on my end. I dont understand how these major corporations can get away with breaking laws and not being punished.
Consumer complaint received 2023-02-03
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (AZ)

On XX/XX/XXXXXXXX XXXX XXXX rescission of signature was recorded to public record in XXXX XXXX Arizona, XXXX # XXXX rescinding signatures on a Deed of Trust recorded XX/XX/XXXX XXXX # XXXX in XXXX XXXX, Arizona and removing the listed trustee 's, appointees, and beneficiary per Truth In Lending Act ( TILA ) 15 USC *1601 et.seq, and 12 CFR Part 226. 

Under this rescission the lender was required to cancel any security interest in the borrower 's property within 20 days. The lender acquiesced through non-response, affidavit of non-response recorded in XXXX XXXX, Arizona registry # XXXX. 

As of today, XX/XX/XXXXXXXX XXXX the lender, LOANDEPOT.COM, LLC has refused to respond or release any securities and is also pursuing foreclosure on the property in direct violation of the above. The required 20 days have passed and the lender has not complied with the rescission.
Consumer complaint received 2023-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC  XXXX XX/XX/XXXX ; XXXX XXXX CT XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$650.00} ; XXXX XXXX ( Original XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/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 ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
US DEPT ED XXXX {$3400.00} US DEPT ED XXXX  {$2500.00} US DEPT ED XXXX {$1400.00} US DEPT ED XXXX {$7700.00} US DEPT ED XXXX {$5500.00} US DEPT ED XXXX {$3400.00} US DEPT ED XXXX {$1600.00} US DEPT ED XXXX {$4200.00} US DEPT ED XXXX {$4100.00} XXXX XXXX XXXX Balance : {$22000.00}
Consumer complaint received 2023-08-31
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (KY)

I have had a Lowes Credit card through Synchrony Bank with a XXXX XXXX dollar credit limit for 20 years ( XXXX XXXX XXXX XXXX ). That account was used for major purchases on my house in XXXX  and then in XXXX. Those purchases totaled around XXXX XXXX dollars. While traveling in XXXX of this year, I was contacted by a XXXX  I consider my daughter. She had to move and needed a refrigerator of the new house. She found one at the Lowes in XXXX, XXXX. I was able to call and talk to the manager of the appliance section and they agreed to make the transaction of around {$650.00} over the telephone. When they submitted it, it was declined. I received a security text, on my cell phone, from Synchrony bank stating that they had declined the purchase as suspicious. I received a follow-up text asking if I had made the purchase and I replied that I had. The next text stated thank you for verifyingthe purchase. If the purchase was declined, re submit it. I called the Lowes and they resubmitted it and it was again declined. I then called Synchrony and they stated that I had to go through an elaborate process over the telephone which, after several attempts, did not go through while I was traveling. In XXXX I received a letter from Synchrony which stated that after a review of my account they decided to close my account because of the restriction placed on the account for suspected unauthorized use and subsequent inactivity on this account. The letter also stated that if I had any questions to call XXXX. 

I called that number and was told that they were unable to answer any of my questions and that they were unable to provide me with another number. The lady advised that she was an operator in the XXXX and was not able to provide me with a corporate or legal affairs number. She advised that I could send them a letter. 

I sent the letter advising them that they were in error and it had not been unauthorized use. I received a second letter from Synchrony with a different excuse. It stated that my account had been closed based on an evaluation of my consumer account using a sound credit scoring system that includes reviewing all accounts contained within a consumer 's credit files and it was a result of this evaluation that my account was closed. My credit is rated as excellent. They stated that if I had any questions that I could call the same number that I had originally called. 

I have copies of the letters and the text messages. I requested that Synchrony maintain all documents and phone records including texts from my cell phone XXXX. I originally sent this complaint to Fed Reserve and they referred me to you.