davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Westlake Services, LLC (NY)

Multiple calls have been made to Westlake and their attorney  XXXX   XXXX  for information on the homeowners case to see if they post poned the sale due to the filed arbitration complaint and lis pendens. The rep  XXXX  at  Westlake  said they didnt have the previous TPA submitted and asked me to email it to her. She refused to let me conference in the homeowner who has been desperately trying to get an update on his foreclosure. The assigned attorney for Westlake refused to also give us or the client an update on the sale date. She said on the phone even if I get your TPA I will not provide you any information.     A QWR was submitted and the lender has failed to respond prior to the sale date of the home.
Consumer complaint received 2023-02-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (FL)

My checking accounts were closed without giving me justifiable cause and they don't want to open personal checking accounts for me and they also don't want to open business accounts for me and I have an employer identification number ( EIN ) that the IRS assigned to me, preventing me from starting to operate with my business which contributes or is a cause of recession, if I can not have a checking account they are preventing me from meeting my financial obligations and paying my debts.
Consumer complaint received 2017-05-05
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: Fidelity National Information Services, Inc. (FNIS) (PA)

My ChexSystems report shows that an inquiry initiated by consumer action occured on  XXXX / XXXX /  XXXX   by  XXXX   XXXX  on behalf of  XXXX   XXXX  Now. I made no such inquiry. No money was taken but my concern is the use of my social security number for others to obtain payday loans.
Consumer complaint received 2023-06-23
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. (FL)

I am asking the following inquiries be deleted immediately from my credit profile. I have reached out to the companies to ask for validation of these inquiries with no response. I have not applied for the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-05-05
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: WELLS FARGO & COMPANY (MI)

XXXX  will not remove these inquiries from my credit report that i did not authorize, i have contacted them several times with no help at all.       XXXX   XXXX  - XX/XX/XXXX  and  XX/XX/XXXX    XXXX    XXXX - XX/XX/XXXX    XXXX -   XX/XX/XXXX  and  XX/XX/XXXX   XXXX - XX/XX/XXXX   XXXX   XXXX -  XX/XX/XXXX    XXXX   XXXX  - XX/XX/XXXX   XXXX -  XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX - XX/XX/XXXX   XXXX   XXXX - XX/XX/XXXX  WFDS- XX/XX/XXXX   XXXX - XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX   XX/XX/XXXX   Finance  XXXX    XXXX   XX/XX/XXXX   XX/XX/XXXX  Bank  XXXX   XX/XX/XXXX   XX/XX/XXXX  Credit Union   XXXX   XX/XX/XXXX   XX/XX/XXXX  Credit Union
Consumer complaint received 2023-02-06
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (AR)

I got a 1099-C form in the mail from Syncrony Bank . Upon talking to the agents from Syncrony Bank, I have realized that this amount on the 1099-C for {$800.00} is from a Walmart Credit Card that Syncrony use to hold and was sold to XXXX XXXX which now has it. I do recall the sale of this card and the transition went flawless from Syncrony Bank to XXXX XXXX. I also recall the balance transfer at the time of the switch over was the exact amount that was owed when it was with Syncrony. My complaint is that I will have to file this 1099-C as income this tax season and I will have to pay taxes on this with the US Government this year and since my balance was flawlessly transferred from Syncrony to XXXX XXXX XXXX if I was to pay my balance in full with XXXX XXXX ( I still have this Walmart Card active with XXXX XXXX ) I will be paying this total twice! It is not my fault or the fault of consumers that Syncrony settled all of their Walmart accounts with XXXX XXXX for a lump sum payment for XXXX XXXX to take over the Walmart cards and then try to fraud the consumers into paying the Charge offs so that Syncrony could not assume this debt. If you were to buy a house for {$70.00}, ooo and in turn sale said house for {$50.00}, ooo you DO NOT try to go back and get them to pay the other {$20.00}, ooo through a charge off through the tax system. That is FRAUD, and BASICALLY UNETHICAL BUSINESS PRACTICES. This company should not be able to regulate ANY credit Cards in the future and I do have an Amazon Card which is currently in good standing with Syncrony Bank as its provider currently and I am thinking of closing this card as well because of this situation. It is my belief that Syncrony Bank is doing this simply because most of American People are to busy to really dig into this and will just file the added Income on their 2022 tax return and just move along.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2022-12-12
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: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602A. 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-05-05
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: JPMORGAN CHASE & CO. (FL)

Notice and Demand for Payment  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  #  XXXX   XXXX , FLORIDA  XXXX   CHASE  CARD POB  XXXX   XXXX , DE  XXXX   XXXX   XXXX / XXXX /   2017  VIA : Certified Mail #    XXXX    Re :   XXXX  CREDIT REPORT #  XXXX  INQUIRY  XXXX  .2017 CE  Consider this notice that you have  30 d ays to respond point by point and with validation exactly according to the points in the attached validation letter or this stands as evidence in law that no debt is due to you.     Further, as a  Consumer and since Chase d id not have my consent or authorization to view my personal property, your actions were intentional, harmed and injured my person to the value of the debt that is invalidated on my persons credit report, the {$1000.00} fine value for the FDCPA violation and the {$1000.00} fine value for the FCRA violation. That makes the total due upon receipt of {$2000.00}. A notice of lien will be recorded against any and all assets both personal and business to recoup this amount due upon receipt, {$2000.00}.         BY :  XXXX   XXXX   XXXX  XXXX  XXXX
Consumer complaint received 2017-05-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (MO)

This debt is ov er 7 years old and i m still having problems with this company damaging my credit. This company chages there name everytime i dispute negative information on this company. the bureause will remove the item but this company vwill comeback as a new company and report negative things on my year,
Consumer complaint received 2023-03-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R.M. Galicia, Inc. (TX)

This month XX/XX/XXXX, I found out through my XXXX Credit Report that my credit scored decresed by XXXX points. It just reflected that a collection account opened in XX/XX/XXXX for Progressive MGMT SYSTE stated I owe {$580.00} from XXXX XXXX XXXX. I only visted that hospital once and that was before XXXX, to my knowledge, all my bills were paid by my insurance or through the sizeable Copay I paid when I was there. Furthermore, in the past two and half years I have received no emails or phone calls from neither the hospital nor the debt collection agency requesting to pay this supposed debt. Should I had a verification of debt or at least notice I would of course set matters straight and paid of the debt.
Consumer complaint received 2023-02-06
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

1. XXXX XXXX repossed my car even though i was in the military and protected under SCRA in 2019. I called the lender and they said they didnt care and that i have no right because i owed them money. I WAS NOT AWARE OF MY RIGHTS under SCRA.

The reporting of that account is wrong on payment amounts, dtaes the account was closed and the date of last reporting. Its different across all 3 credit agencies and i put a dispute some time ago and they reported that everything was correct. The dates do not match up to eachother from ahency to agency. 
2. XXXX XXXX, XXXX, XXXX also failed to get accurate date on last reported and last payment dates. Sent dispute to credit agencies and came back validated. Still the dates do not match from agency to agency. I need help. I am trying to fix my credit and I can not tell what debt is mine and what is accurate or what is not.
Consumer complaint received 2023-03-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

Be responsible enough for this matter! I am entitled to have an accurate report. Do not waste your time and please immediately deal with this issue. I will be waiting for the result within 30 days as per the law allows. Revise my file and provide me with a corrected copy once available. Thank you!
Consumer complaint received 2023-06-23
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. (IN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Has violated my rights. Or list of inquiries : XXXX XXXX 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-16
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. (AL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-06
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 — Their investigation did not fix an error on your report
Company: Texas Guaranteed (MN)

I keep having to dispute a company on my credit report. In the month of XXXX I disputed a company called Trellis Company on my credit report. The credit bureaus take this debt off my credit report because they verify that it is not mine, and then XXXX months later its back on my report and I have to dispute it again. I do not know who these people are. I contacted the company and was told it was a student loan. I have not had a student loan in 30 years. The student loan that I did have was paid off years ago, and the school is now closed down. I will not ever pay them. This Trellis Company is committing fraud and trying to get money from me that I do not owe them. They keep reporting me to the credit bureaus and the credit bureaus keep putting them on my credit report. I have had to dispute this at lease XXXX times now. I want them taken off my credit reports and never put back on there. I am sick and tired of having to fight something that I do not owe. I want the credit bureaus to stop reporting false information on my credit report as well. Just because a company says you owe something does not make it true and for them to just put things on my credit report is just plain wrong. I have proven that I do not owe this company a XXXX and they keep adding it to my credit report. I also want them to take off the bankruptcy from my report as well. They told me they verified the bankruptcy but that was a lie. I called the courthouse and was told that they do not verify bankruptcies, so how was it verified. I even have a letter from the court. Another example of how they just put wrong information on a persons credit report.
Consumer complaint received 2017-05-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (PA)

We obtained a mortgage to purchase a new home from   XXXX   XXXX   XXXX   ( a mortgage broker ),   XXXX   XXXX   XXXX   XXXX  ,  XXXX , PA   XXXX     to purchase our home at   XXXX   XXXX   XXXX   XXXX  ,  XXXX , PA  XXXX . The mortgage was sold to Amerihome Mortgage   XXXX   XXXX  ,  XXXX , NJ  XXXX . At the time of the mortgage sale to Amerihome we believed we had an escrow waiver from   XXXX   for the hazard insurance and real estate taxes. As it turns out, we only had the hazard insurance escrow waiver. On   XX/XX/XXXX ,  I paid the   XXXX   XXXX   XXXX     XX/XX/XXXX  R eal Estate Tax by electronic transfer in the amount of {$3600.00}. I later learned the Amerihome also paid the real estate tax in the same amount. I tried to ask Amerihome to request the refund from the   XXXX   XXXX   XXXX   for the overpayment so we did not have an escrow shortfall. On  XX/XX/XXXX , a supervisor at Ame rihome names  XXXX , promised verbally that they had initiated the refund and that the escrow shortfall would be correct then. As of today 's date that has not happened despite numerous calls to Amerihome and emailing them using their secure message system. My account number is   XXXX  . I can not initiate the refund reques t from the City bec ause I do n't want it to appear as a tax delinquency but Amerihome promised they would. I am totally current on my mortgage and also paid down the principa l in  XX/XX/XXXX   by {$370000.00} as the proceeds from my prior home 's sale.
Consumer complaint received 2023-02-06
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. (AR)

I had an XXXX creidt card account opened on XXXX XXXX. My accoount number is XXXX. They reported a {$5.00} charge as not being paid. I did not recognize this charge and contacted them after they already reported to my credit as a late payment. They said said they would not work with me and it was too late to dispute it. I paid the {$5.00} because I wanted to keep in good standing. They closed the acccount without contacting me and hurt my credit score over a charge I know nothing about.
Consumer complaint received 2021-10-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ready Capital Corporation (LA)

The loan was in forebearance until XX/XX/2021. After that I tried to get it reassessed to get a lower and more manageable monthly payment. I have had this house for 15 years. I am now a single woman and down to one income. They denied my application and said the only way to keep the house now is the pay all of the forbearance back now and resume full payments. {$13000.00} plus was the amount she told me.
Consumer complaint received 2023-01-24
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

Sent letters to XXXX, XXXX, and Equifax to investigate my accounts. It has been longer than 30 days. These consumer reporting agencies are in violation. 
According to 15 USC 1681i - XXXX, XXXX, and Equifax have 30 days to investigate and to send me the results. In addition, they failed to record the current status of the disputed information which is also a violation. 
Evidence attached. 
Thank you.
Consumer complaint received 2017-05-05
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC (FL)

On   XXXX   XXXX    2016, I  had an   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   and I could n't  XXXX .My doctor gave me a prescription telling me to go to  XXXX   Hospital, a   doctor will see me maybe in  15  mn. When I arrived my niece and an employee asked for a   XXXX   to help me. I did n't get it, I did all I could with   XXXX   XXXX   to get inside. They had done nothing, they just put my name and address in their system and asked me to evaluate the pain.I sat for more than  3 hours hop ing to be seen by a doctor.I would like to go to the restrooms but I could not then I called my niece to come back and pick me up. Now I have a bill for  XXXX  for what. I do n't know.
Consumer complaint received 2017-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (TN)

This account was my second mortgage. It has been paid in full; however, the lien holder states that the payments were late. I went through a Deed in Lieu with this mortgage company and the payments were slowed because of that. Please have all late dates and times removed from my XXXX and XXXX reports.

CITIZENS ONE HOME LOANS XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX
Date Opened: XX/XX/XXXX Responsibility: Individual Account Account Type: Mortgage Account 
Loan Type: SECOND MORTGAGE Date Updated: XX/XX/XXXX Payment Received: XXXX
Last Payment Made: XX/XX/XXXX Original ChargeOff: XXXXXXXX
Pay Status: >Account paid in Full; was a Charge-off< Terms: XXXX per month, paid Monthly for 180 months Date Closed: XX/XX/XXXX >Maximum Delinquency of 120 days inXX/XX/XXXX and in XX/XX/XXXXfor XXXX< High Balance: High balance of XXXX from XX/XX/XXXX toXX/XX/XXXX; XXXX from XX/XX/XXXX toXX/XX/XXXX Estimated month and year that this item will be removed: XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX