davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BETHPAGE FEDERAL CREDIT UNION (NY)

After applying for a XXXX I received various notifications that the loan was denied because the " debt to income ratio did not meet guidelines ''. This was evidently due to a large part of my income depending on rental income. I requested detailed information about how they calculated the income, debt and debt to income ratio. My request was ignored. I subsequently wrote a letter directly to the CEO of the XXXX XXXX again asking for information about how the income, debt and debt to income ratio were calculated. The letter was not even acknowledged as I received no response at all. 
It is the XXXX XXXX 's prerogative to use whatever criteria they want in processing loans but when they deny a loan they should at least provide all the information to clarify the basis they used to deny it. Furthermore, they should respond to letters from members.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I recently applied for a XXXX XXXX loan, I was turned down and the denial letter from the bank listed Equifax as the reporting agency. They listed that I had 1.Serious Delinquency 's 2. number of accounts with delinquency 3. Too many Finance companies accounts 4. Length of time accounts have been established and 5. the FICO score is incorrect. 6.5 years ago I had to file for a XXXX XXXX bankruptcy after a serious injury and lose of income ( I realize it stays on my record for 10 years ), but since then I have worked hard to reestablish myself financially and have bought a number of large purchases and have paid them off in record time. I have 3 credit cards and they have been either not used or carry a small balance and are very current. I only barrowed money from one " Finance Company '' to pay for a tree removed from my property and they were paid off in 1 month., and I have had the same checking account with my Bank for the last 37 years. I presently have NO Delinquent Accounts since the XX/XX/2017 bankruptcy and my Fico score at this very reporting agency is XXXX, but the agency reports it as XXXX how am I to reestablish myself if the credit reporting agency keeps putting out incorrect information and I have no way to ask for a correction since it was from incorrect information in the first place. Equifax informed me that the FICO score is different and to to different companies? how the heck can there be so many different scores. Trying to fight this is almost impossible.
Consumer complaint received 2023-06-15
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AP)

I closed my checking and savings accounts with Bank of America on XX/XX/XXXX. I havent received my check of {$1100.00}. It was negotiated on XX/XX/XXXX, when I realized it was missing. It was fraudulently endorsed and I contacted the bank, and the police. Since then, Ive contacted Bank of America customer service countless of times, and I have only received photocopies and notification letters that Ive already negotiated the check, and that its been endorsed already ( the fraudulent endorsement ). The case was opened with Bank of America in XXXX, and I had to open it again in XXXX. I have given a correct address to them, and they repeatedly mailed to the old address where the check was intercepted. The last time I contacted them on XX/XX/XXXX to get my check mailed to where I am, they said it should be here XXXX business days. It is XX/XX/XXXX, and I still have not received anything but another notification letter that I have already beguiled this check and that it was endorsed and deposited ( the fraudulent one yet again ). They were able to send that letter to my correct and current address, but not the check.
Consumer complaint received 2018-06-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (MI)

I filed a complaint with this agency on XX/XX/XXXX # XXXX Mr. Cooper submitted the exact same documents that was mailed to my address on XX/XX/XXXX. I requested a copy of the Mortgage Service Agreement. I am requesting that this agency investigate Mr. Cooper 's RESPA violations.
Consumer complaint received 2022-12-23
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: Experian Information Solutions Inc. (MD)

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 name : XXXX, XXXX XXXX Credit Card, XXXX XXXX XXXX XXXX and XXXX has violated my rights I have no accounts attached to these inquires and have not requested. I also reached out to the credit bureaus and have not received any assistance in these matters. 

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 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (ND)

Re : Discrepancy in an Experian Address Change Dispute Report Number XXXX Dear Experian Dispute Resolution Team, I, XXXX XXXX XXXX XXXX am writing to address a persisting issue regarding the recent address change dispute filed with my Experian online account, under report number XXXX. Despite my initial complaint and subsequent investigation, the discrepancies in my credit report have not been rectified. 

On XX/XX/year>, upon reviewing and printing my Experian online credit report, I have verified that my address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Dakota XXXX ) was accurately documented in my online Experian account. However, on XX/XX/year>, I have discovered that my address had been tampered with. It appears that unauthorized individuals, under various names, including possibly fictitious or identical aliases, accessed my Experian online credit file account and omitted my apartment unit number, XXXX, associating it with false identities. 

Promptly on XX/XX/year>, I have filed an online dispute with Experian, providing evidence of my correct address through the uploaded first page of my contractual rental lease agreement with XXXX XXXX XXXX XXXX, operating as XXXX XXXX XXXX ( See Exhibit A ). Additionally, upon reviewing my Experian credit report, I have noted incorrect address ID numbers associated with the XXXX XXXXe Apartment complex ( address ID numbers XXXX and XXXX ) ( See Exhibit B ). 

Following the dispute submission, I have received an email notification from Experian stating that my " dispute is completed, '' and the " dispute report number XXXX results are ready for review '' ( See Exhibit C. However, upon review, it became evident that the discrepancies outlined in the initial dispute remain unresolved. My residential address still lacks the XXXX XXXX XXXX XXXX 

I am deeply concerned about the unauthorized alteration of my residential address and the potential implications of my identity theft problems. It is distressing that I received no notification from Experian regarding the change to my address between XX/XX/year>, and XX/XX/year>. This further raises suspicions that individuals using false identities have gained control of my Experian online account.
Consumer complaint received 2023-03-12
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: EQUIFAX, INC. (TX)

XXXX/XXXX/2023 Unknown Hard Inquiry placed on my Equifax credit file from XXXX XXXX/XXXX/2023 Unknown Hard Inquiry placed on my Equifax credit from XXXX Neither of these hard inquiries are ones that Ive authorized or even have any knowledge of. I have submitted disputes on both of these 4 times each to Equifax. They are not even looking at them and only using an automated system which is NOT checking the validity of these Hard Inquiries nor are they reaching out to the source to verify as the dispute cases are being automatically closed within a few hours. Within their dispute results they do not provide ANY type of documented proof or source of the reason the company drew a hard inquiry on my credit. I have no clue where or why these were placed on my credit and have yet to be provided with any factual information. 

The ONLY hard inquiries that I authorized in XXXX were for my auto loan for my truck and thats it. 

I am not sure if Im a victim of credit fraud or what but Ive placed a freeze on credit with all 3 credit bureaus. I really need this looked into by an actual person to help resolve. 

Disputes Submitted to Equifax : XXXX/XXXX/2023 XXXX/XXXX/2023 XXXX/XXXX/2023 XXXX/XXXX/2023
Consumer complaint received 2022-12-23
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. (MD)

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 name : XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX has violated my rights I have no accounts attached to these inquires and have not requested. I also reached out to the credit bureaus and have not received any assistance in these matters. 

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 2023-12-21
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: EQUIFAX, INC. (CA)

HI MY NAME IS XXXX XXXX, I BECOME A VICTIM OF IDENTITY THEFT. I WAS CHECKING MY CREDIT REPORT AND I NOTICE FEW HARD INQUIRES THAT DOESNT BELONGE TO ME. PLEASE HELP ME TO KEEP MY PERSONAL INFORMATION, AND PLEASE DELET HARD INQUIRES THAT I MENTION BELOW. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-12-23
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. (DE)

I'm victim of Identity Theft, my personal information has been stollen and as a result I got hard inquires on my report that I have never authorized. I have Filed FTC report and included in this matter. I'm not using any third party for this matter. 
Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 
Here are these hard inquires : 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/2022 I know my rights very well, please remove these items from my report as soon as possible.
Consumer complaint received 2023-06-15
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: Experian Information Solutions Inc. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX 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 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 2022-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (AZ)

GM Card was converted to G Marcus Goldman card in husband 's name. XXXX has been XXXX  since XXXX and I ( spouse ) inadvertently sent 2 payments to the XXXX XXXX ( that was closed ) in XXXX & XX/XX/XXXX - XXXX payments totalling {$6800.00}. 

I have called Customer Service at Goldman Sachs numerous times but no customer service person can do anything until I provide an Estate Administrator form which would have been obtain if husband 's estate went through probate. It did not go through probate and I don't have an Estate Administrator form. My attorney prepared an Affidavit for Collection of Personal Property indicating that XXXX XXXX can receive personal property for XXXX XXXX. 

Customer Service at Goldman Sachs will not escalate my issue to someone other than next level Customer Service and I am always told they can do nothing without the Estate Administrator Form. They are holding my {$6800.00} and have never made any effort to contact me to return the funds. Totally frustrated.
Consumer complaint received 2022-12-23
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. (NJ)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-11-09
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. (IL)

I have fraudulent inquiries on my TransUnion credit report and they will not remove them. I contacted the company directly and they did not help me. I did not apply for accounts with the banks on my report. I have fraudulent inquiries on my account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-21
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: EQUIFAX, INC. (NJ)

XXXX XXXX This Information is Incorrect. I never had late payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I paid my Cabelas 's Club card balance in Full on XX/XX/2023. On XX/XX/2023 Capital One charged me {$170.00} in interest. I talked to Capital One on Saturday XXXX XXXX without success. This charge is outside of my agreed upon terms and conditions.
Consumer complaint received 2022-11-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Surepay Lending Group LLC (UT)

On XXXX my car had a flat tire, I took my car into big o tires to get my tires replaced. Turns out that my car needs an alignment, XXXX of the tires are bald, XXXX is flat and my front control arm and axle need to be replaced and i needed all my tires replaced. I didn't have the money to fix all these issues at once but I really needed my car. I was sold a loan from the cashier, XXXX, about a XXXX interest free loan that could really help me for {$1300.00}. I was never told anything beyond that even when I asked question like " what happens after the XXXX  days ends? ", " how exactly does this loan work? Is it on a weekly payment plan or do I just pay when I want? '' None of these questions were answered properly or were answered vaguely. Even when I called the office, surepay finance, about further details of my loan details and information was withheld from me and i received no new information about the details of my loan or any rules that apply to my payment. or asked further questions to the cashier that sold this to me. I paid an application fee for the contract but when I logged in my contract details changed from a XXXX offer plan to a XXXX day Contract with interest which it's payments after the full year were more than double what I was originally lent. My car broke down a month later XX/XX/XXXX and I lost my job because of it XXXX days later. I didn't have money to pay my loan for about a month, the month of XXXX of XXXX. When I finally got a new job and money to pay off my loan. I logged into the web site to make a payment XX/XX/XXXX. Everything looked fine, I read through all the tabs and rechecked my contract status it still stated that I was in the XXXX day offer and that I still owed the amount I did free of interest. When I attempted to to make a payment the screen changed and said I owed XXXX $ instead of XXXX XXXX When I attempted to make the payment again it showed a new message that said that my contract status was delinquent, my loan was sent to collections, and that the XXXX offer was no longer valid, at this time it's only the XXXX day of my contract. I never received any notice of this change until I logged in today to make a payment. My questions were never answered. I never received emails or letters notifying me of this change but my loan was sent to collections and interest was charged to my loan. The office and the seller never answered any of my questions clearly or failed to respond to any further inquiries about more details regarding my loan or any special information regarding how or when payments needed to be made. I'm still trying to reach surepay finance to resolve this issue as I still fall within XXXX days of my contract and despite their failure to respond to any out reach or messages I have sent them to resolve this issue
Consumer complaint received 2022-11-09
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. (CA)

The Account I am disputing do not relate to any transactions that I have made or authorized. Please remove this account at the earliest possible time. Also, I have doubts about the accuracy and the reported payment history on this account is a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the account be removed to correct the information. 
XXXX XXXX XXXX XXXX .... Balance : -