davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-15
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: EQUIFAX, INC. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX  XXXX XXXX {$73.00} XXXX XXXX {$130.00} XXXX  XXXX  XXXX {$100.00} DPT ED/XXXX XXXX {$6000.00} XXXX XXXX {$100.00} DPT ED/XXXX XXXX {$2200.00} XXXX XXXX XXXX {$94.00} XXXX XXXX XXXX {$6900.00} XXXX XXXX   XXXX {$130.00} XXXX XXXX XXXX {$6000.00}
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

I sent disputes on XXXX XXXX XXXX XXXX to delete the inaccurate addresses and names that are listed on my credit report. Based on The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, all information reported should be accurate and up to date. I've sent over my ID along with the requested information with the address where I live and the company refuses to delete the inaccurate information.
Consumer complaint received 2020-08-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (KY)

Effective XX/XX/2020, An account from XXXX XXXX was entered to my credit report. They previously submitted a collection letter both from XXXX, and Sequim. I demanded proof of debt, and neither XXXX  or sequim responded. I did not have an account with them. I want this debt removed now.
Consumer complaint received 2024-04-11
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TRANSWORLD SYSTEMS INC (OH)

I recieved a call at work from TSI. But not to my work number. They had been calling repeatedly last week, to a different employee, telling her who knows what. Now they contacted the XXXX XXXX Office to reach me as a tactic to embarrass me at work. She stated she was contacting me about debt from 2001 and that no XXXX existed for private loans ( not true ) I told her to not ever contact me at work. 

It is illegal to tell co-workers they are contacting me about a debt and next level to contact the XXXX for my information.
Consumer complaint received 2022-11-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (VA)

A company named Security Credit Services which also seems to do business as XXXX XXXX has reported a fraudulent collection of {$960.00} to my credit report. I have tried to resolve this issue with them but they seem to outsource all of their work to a company named XXXX XXXX XXXX and there does not seem to be anything that company can do to resolve my issue. The original debt was created with a company named XXXX XXXX, XXXX on XX/XX/2021 by someone who impersonated my identity and committed fraud. I do not know who this person is and was only made aware of the issue when I found the collection on my credit report. I have since filed a police report with the XXXX XXXX Police Department in XXXX XXXX, Virginia. I have called XXXX XXXX in hopes to clear this up. I have called Security Credit Services to clear this up. I have shared the police report information and besides the fact that I have little idea how to navigate these companies, they are not able to help me clear this up and get the information off my credit report. Specifically, the people at Security Credit Services are rude and not interested in helping to resolve this issue. I have disputed this with each Credit Reporting Company including XXXX, XXXX and XXXX with mixed processes and mixed results. XXXX has deleted the collection account from my report. XXXX still doesn't believe they have enough information. I have not heard back from XXXX yet. These companies are really hard to work with in a modern world. They have archaic systems, their phones are set up to push you to postal mail or their website and they seem very interested in selling their protection services more than they do resolving issues related to fraud and identity theft.
Consumer complaint received 2020-08-13
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. (MI)

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report XXXX from XXXX XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report
Consumer complaint received 2020-08-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NY)

XX/XX/2019 My XXXX XXXX XXXX mother wanted to refinance her mortgage to get a lower interest rate and to take equity from the house for home repairs. She contacted Carrington Mortgage, the holder of her mortgage. I offered to be a co-signer for my mother. When the mortgage specialist, XXXX, contacted me I told him I was only signing as a co-signer. I explained that the house belongs to my mother. He had access to that information as well. I do not appear on my mothers mortgage anywhere. This mortgage specialist said he understood. Carrington then ran a hard credit inquiry on both my mother and myself. they then sent all documents to us with my name appearing as primary on the re-financing with my XXXX XXXX XXXX mother showing as a co-signer. He hinted at my mothers age. I told him I was not the one taking out the loan nor was I the owner of the house and that he had to have the documents re-done to reflect my XXXX XXXX XXXX mother as the primary and me as a co-signer on the refinancing for her home. 
Carrington then ran another hard inquiry on our credit on XX/XX/2019 and sent a second set of documents for us to sign. Again my name appeared as the primary on the loan for the second set of documents at which point I told " XXXX '' to forget it. I told him that what he was doing was illegal. He did not want to have my mother as primary on her loan because of her age. He was treating her as if she did not understand things and decided to speak with me instead of my mother. On several occasions I had to tell " XXXX '' that he had to deal with my mother for details pertaining to her home. The two hard inquiries to our credit reduced our credit scores. Carrington laims that I had a new card or something on my credit and that is why they ran it again. they would not have known of the new credit had they not done a second hard inquiry. they also had not reason to do a hard inquiry within 30 days of the first inquiry. What Carrington did was discriminate against my XXXX XXXX XXXX mother because of her age. they had no reason not to grant my mother the refinancing so they get pushing documents at us with my name as the primary in hopes that we did not notice. We told Carrington to forget the refinancing and told them to remove the second inquiry from our creidt scores. to date they have not. We were unable to apply for another loan to refinance the house because the two hard credit inquiries lowered our credit scores. Carrington made sure that since we were not going to use them because of their underhanded discrimination tactics that we would not be able to secure the low interest rate we were seeking and were entitled to from any other lender because our credit score had now dropped.
Consumer complaint received 2020-08-13
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. (TX)

On XX/XX/2020, consumer disputed account online in which the consumer requested that the XXXX XXXX account be removed as the consumer is NO LONGER an AUTHORIZED user. The consumer is not the primary card holder and therefore the account should not still be reporting on the consumer credit file. Reason for the complaint is that Experian returned the results on XXXX XXXX. 2020 showing updated payment and balance on the account and also showing the account to be active. Experian did not conduct investigation as the consumer requested because if they did their job properly they would had removed the account from the consumer credit file. This reporting is not reflecting a true accuracy and it's effecting consumer 's credit score. The consumer also contacted XXXX on XXXX to verify if consumer was removed as an authorized user and they verified that it was done as requested by the primary card holder at the end of XXXX/early XXXX of 2020. Experian has failed to properly conduct dispute in timely manner with accurate updates.
Consumer complaint received 2020-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (CA)

I have had this Citibank credit card since XX/XX/XXXX. 

In XX/XX/XXXX Citibank raised the limit on my card from {$10000.00} to {$14000.00}. 

As of XX/XX/XXXX, the balance on that Citi card account was {$13000.00} To improve my credit score and eliminate revolving debt, I recently took a significant amount of savings and paid off or paid down all my credit cards with balances. 

On XX/XX/XXXX I paid {$10000.00} ( over 70 % of the balance ) to this Citi card account. 

The paydown on the account immediately triggered what the company calls a " periodic review '' of the account, and the limit on the card was slashed by {$10000.00} ( the same 70 % that had been PAID ) when the statement for the account closed a few days later on XX/XX/XXXX. 

The new limit is {$3400.00} and with the interest charged to the account at the end of the billing cycle, the card is now OVER LIMIT instead of having more than 70 % of the limit available. 

This is a predatory practice to justify higher interest rates and to prevent consumers from improving their credit score by paying down their balances. 

The company claims that the review of the account is " random '', but the timing, so close to the large payment is highly suspicious. Previous reviews of the account have appeared to occur on an annual basis in XXXX, the month the account was originally opened. 

They cited credit bureau information of accounts with " balances too close to the limit '', which I was addressing by paying such a significant amount to the account -- a situation they have ensured will continue on this account by their direct and intentional action of lowering the limit down to the new balance.
Consumer complaint received 2020-08-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Summit A*R, Inc. (VA)

On XX/XX/XXXX, I noticed a medical debt that I did not recognize added to my credit report. I immediately found the company, Summit AR, and contacted them to get additional information about this debt. They emailed back and verified the debt. On XX/XX/XXXX, I answered a phone call which happened to be from Summit AR, the collection agency. I said I'd happily pay the debt, but I had never received notice of the debt and thought it was inequitable that it was added to my credit report before I received a bill. I said that I would like for the account to be removed from my credit report. They refused. As mentioned, I never received a bill from them, though they claimed to send a single bill in XX/XX/2020. When I mentioned that I never received the bill, they told me to contact the postal service. I escalated to a number of supervisors, all of whom said I ignored bills and ignored my mail, and they would refuse to address the credit report.
Consumer complaint received 2020-08-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NC)

Like many people, my mortgage went into forbearance earlier this year with Carrington Mortgage. During this time, I did not make 2 monthly payments ( XXXX and XXXX ). On the Carrington website, it said that my forbearance period ended XX/XX/XXXX and that I had to communicate with Carrington to make arrangements. Carrington never reached out to me or advised what my next steps were. XXXX XXXX I call them and they direct me to an online survey they were working on ( that was down for system repairs ). XXXX XXXX I fill out the survey. In the survey it asks if I could start making payments, which I said I could start making in XXXX and pay 2x per month for 2 months to catch back up. I get no response after I submit the survey other than a brief statement saying they would be in touch. End of XXXX I call Carrington because I get a statement saying I am delinquent on my loan ( which has been in forbearance )??? I call them on XX/XX/XXXX and they say, ok, no problem, make your payments as planned 2x per month until you are caught up. I say ok, pay 2x on XX/XX/XXXX, and then again end of XXXX / early XXXX. But now they have reported me to the credit bureaus as being 60 days late that lowered my score 136 points! I spoke to Carrington multiple times, had an " escalation specialist '' even call me, agree with me, tell me they would fix with the Credit Bureaus and send me an email ... still nothing. I feel like this can not possibly be right and I feel like they are just so ill equipped to deal with this situation that they are steamrolling me.
Consumer complaint received 2019-10-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC (TX)

After reviewing my credit profile on XX/XX/2019, I identified a discrepancy with account listed under Ability Recovery Services. I requested a validation on XX/XX/2019 as this medical account has been paid for by XXXX. Credit report was reviewed again on XX/XX/2019 and the account is still reflecting on my report and I believe that they are trying to collect on an account that has been fully paid for and I believe that the creditor does not have authorization to legally access my medical records and to attempt to collect on this account. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account was not paid for in full by XXXX and that all information is correct.
Consumer complaint received 2020-08-13
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (FL)

It is impossible to get anyone on the phone. No matter what number you press when you call you are directed to a fully automated system and there is no way to get transferred to a live human. I want to refinance my loan and had to call a completely different number to finally get a human and was of course transferred. I am currently on hold and have been on hold for 2 hours and 35 minutes and counting! There system doesn't tell you how long the wait time is or what place I am in line so I have no idea if or when I will ever speak to someone. I had to hang up as I could not wait any longer. I need to speak to a human that can help me with refinancing ASAP. 

If you have the misfortune of having your loan transferred to this company I suggest you refinance with a different company and get out as fast as you can!
Consumer complaint received 2020-06-11
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: JPMORGAN CHASE & CO. (TX)

Between XXXX of XXXX and XX/XX/XXXX there were 185 fraudulent XXXX transactions on my card which Chases Fraud Department did not capture and I was not aware of. I made numerous attempts to resolve this matter and contacted Chase on more than 30 occasions between XXXX and XX/XX/XXXX. In XXXX, I received a letter stating I would be made responsible for these fraudulent charges. After an exhausting process of attempting to resolve this, I decided to inquire into a lump-sump settlement only to discover Chase would only allow for {$300.00} reduction in my total balance. 
I also attempted to qualify for a interest rate reduction and did not qualify for this. 

I am requesting Chase to take partial responsibility in this situation as their Fraud department should have alerted me of the excessive Lift charges applied to my account, especially since this activity is not typical for my transaction history. 

As a consumer, I am making diligent attempts to resolve this and it appears Chase is not willing to follow through on their promise to be a customer service focused company.
Consumer complaint received 2020-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Spoke with Capitol One on XX/XX/XXXX in regards to the status of an ongoing investigation and complaint submitted on my behalf by CFPB on XX/XX/XXXX. I was informed that they have came to the conclusion that I was responsible despite evidence submitted. They failed to update CFPB in regards to this update as their previous response was that they were still working on the issue on XX/XX/XXXX. If it is still being investigated it should not appear on my credit. If it was closed CFPB or myself should have been notified. I will note for the record that my credit card usage is over 350 % and I have 100 % on time payment history and my credit score was significantly impacted. Over 90pts.
Consumer complaint received 2020-06-11
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. (NY)

I have been trying to get this resolved since back in XXXX, I am so frustrated and angry, because neither Experian or XXXX  XXXX XXXX want to help me out. I have tried reaching out to higher management different supervisors different representatives, and I keep getting transferred from one department to another, and all are saying they can't help me. Experian and XXXX  XXXX XXXX refuse to remove this fraudulent account from my Experian credit report, I am exhausted and tired of this negligent behavior. They " verify '' the account to be accurate, yet they are not sending me any viable evidence pursuant to section 609E of the fair credit reporting act. I am a victim of identity theft, and I should not be suffering for something that was not committed by me.
Consumer complaint received 2022-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (CO)

I have now furnished Robinhood with pictures of my valid state ID, along with every other document that they requested to verify my identity. I received an email stating that my account will be closed, and is now in remediation and that I will be contacted with information about how and when I can withdraw my funds. 

I have repeatedly tried to get information about why my account was originally restricted and when I will have access to my direct deposited XXXX  payments via email, phone call, and chat, and have been given not one piece of information on why these restrictions were imposed or when I will be given access to my funds again. 

I am a veteran, and I have been completely cut off from my social security XXXX  payments with no reason, timeframe, or recourse whatsoever by Robinhood. I need access to this money immediately.
Consumer complaint received 2022-11-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (MA)

USBANK received a check on XX/XX/2022. The amount was for XXXX. USBANK incorrectly processed as XXXX. 
On XX/XX/2022 I found the error in my checking account at XXXX XXXX XXXX  XXXX. They immediately contacted the Federal reserve reference number XXXX which proves the XXXX was put in the USBANK account. 

Today XX/XX/2022 USBANK has failed to reduce our mortgage by the XXXX. They are " investigating '' still. I have reached to escalation and they have failed to do anything. 
I reached out to the USBANK fraud department however they only investigate credit card or bank account fraud. NOT fraud they commit in the Mortgage department. 

The federal reserve, USBANK and XXXX XXXX XXXX XXXXXXXX have been unable to resolve the matter. USBANK is the entity that refuses to correct their error. 

Please provide next steps on resolving this issue. 

Thank you,
Consumer complaint received 2020-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (UT)

Portfolio Recovery # XXXX is reporting an account with a balance to my credit report that I do not owe. This account has been paid off and should not be reporting a balance, this is in violation and needs to be removed.
Consumer complaint received 2022-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: OPTUM BANK, INC. (TX)

Experiencing an issue with Optum Financial and missing funds in a Flexible Spending Account. Transactions occurred in the following manner : XX/XX/XXXX Routine eye exam followed by purchase with XXXX {$730.00}, use XXXX. 
XX/XX/XXXX XXXX XXXX from Optum that {$270.00} ( prescription sunglasses ) did not meet guidelines. Instructed to reimburse XXXX. 
XX/XX/XXXX Contacted Optum and spoke with an agent. Requested an explanation for dollar amount that was not covered and why. Stated that no notes in system on how the analyst reached the decision and she could not determine based on the documents uploaded in the system. Opened an investigation and advised I should receive a reply in the mail. Requested an itemized statement that shows approved and not approved. 
XX/XX/XXXX Received correspondence from Optum which did not address or provide the information requested, itemized statement of what and why not covered. Only addressed that I reimburse the account. 
XX/XX/XXXX Reimbursed XXXX {$270.00}, posted XX/XX/XXXX XX/XX/XXXX Returned sunglasses to XXXX and {$230.00} refunded to XXXX. 
XX/XX/XXXX Contacted Optum regarding the refund from XXXX and whether I will be reimbursed. Agent communicated that XXXX refund {$270.00} posted on XX/XX/XXXX. Explained that the amount is not from XXXX but stems from my reimbursement. Next, the agent explained that he located the refund from XXXX but it was applied to XXXX expenses. Suggested I contact XXXX and have the correct it and apply to XXXX. After explaining it does not work that way, he agreed to open an investigation, XXXX opened case # XXXX, no update provided. Never received any communication. 
XX/XX/XXXX Placed subsequent calls to obtain factual information and what are my rights as far as what is due. No follow up from Optum. 
XX/XX/XXXX Followed up with Optum per refund from XXXX has not been posted to my FSA. Based on the claims, my reimbursement, and refund from XXXX, XXXX should reflect {$490.00} but instead only account for {$250.00}.