davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (VA)

i have a lean on my house and i dont know why i was told XXXX XXXX  that i owe XXXX someplace called XXXX  was out of business it was sold to cavalry portfolio and i was told it could be a master card or a loan.this was back in XXXX no contact with them at all and dont even know who they are but they have my address why didn't they send me anything after all these years so cavalry portfolio sent it XXXX  in the amount of XXXX and then send it to the lawyers office. still no contact until i called them because i need to refinance my mortgage but after 7 years they are telling me i owe money i dont owe it and i am on XXXX and they tried to take it from my XXXX check as paid wages.its wrong a business goes out and you sell it to another company no way this is there phone numberXXXX XXXX XXXX XXXX the lawyer they are using isXXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TX)

I managed my account. But every so often I would see an NSF charge. 

And it increasingly continued. 

I worked out of town as a nurse and just paid it. 

I made decent money but I was curious as to why I was paying upwards of {$600.00} in NSF charges.
Consumer complaint received 2019-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (CA)

When I pulled my credit report last week, I noticed a few accounts that are reported inaccurately. I would like to refinance my Mortgage in a few months and these inaccurate accounts are pulling down my credit score. I need to see a new report that shows the differences in the accounts I applied for a credit card with XXXX XXXX yesterday and was denied. Im assuming itss due to my credit score ( and the scores low because of the accounts ) XXXX This account needs to be deleted because it is reporting inaccurately. this account Date last active was re-aged from XX/XX/XXXX to XX/XX/XXXX. How can this account be re-aged if it was reporting once as a discharge through bankruptcy chapter XXXX? this is reporting fraudulently and needs to be deleted from my credit report. 

I have attached proof with credit report that I have pulled from XXXX to current
Consumer complaint received 2019-12-17
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. (CA)

When I pulled my credit report last week, I noticed a few accounts that are reported inaccurately. I would like to refinance my Mortgage in a few months and these inaccurate accounts are pulling down my credit score. I need to see a new report that shows the differences in the accounts I applied for a credit card with XXXX XXXX yesterday and was denied. Im assuming itss due to my credit score ( and the scores low because of the accounts ) XXXX This account needs to be deleted because it is reporting inaccurately. this account Date last active was re-aged from XX/XX/XXXX to XX/XX/XXXX. How can this account be re-aged if it was reporting once as a discharge through bankruptcy chapter XXXX? this is reporting fraudulently and needs to be deleted from my credit report. 

I have attached proof with credit report that I have pulled from XXXX to current
Consumer complaint received 2023-01-22
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. (TN)

I have the following credit inquries on my consumer report that I did not authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (WA)

I had a fraud charge on my Discover card XX/XX/2019 and called Discover and had them cancel and transfer my account to a new card and open a fraud investigation. XXXX weeks later no card arrived and I had a update on my Credit that I had closed out my account and it negatively impacted my credit by about 25 points.

6 weeks later on XX/XX/XXXX I am trying to close on a home and I get denied because the day prior I apparently had a new inquiry into my credit and opened a new credit card with Discover hitting my credit for 41 points. Later that day discover called saying I was late by 3 months and delinquent. On the XXXX of XXXX I get another credit update i am delinquent and lost another 41 points on my score.

Because I lost my house I had to extend my lease putting down more rent and now discover says I owe over {$1000.00} in 2 weeks. I have spoken to Discover and they have sent a report to fix my credit but cant promise it will totally fix the situation point for point. Also they wont do anything to help with the balance when it's there fault it's a situation at all. They put me out of a house, they messed up my credit score by over 100 points and when I requested to cancel my card, they informed me it will hurt my credit worse. So I am stuck in a bad situation as a consumer and the company that inconvenienced my life a lot wont do anything in regards to there mistakes.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (PA)

I would be overdrawn in one bank account transfer money from my other bank account to cover it and would still be charged a {$35.00} overdraft fee and when I would call the bank they would refuse to refund me
Consumer complaint received 2019-12-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (OK)

On XX/XX/19, I requested a reappraisal from SunTrust in order that we might pay down our loan and lower our LTV enough to remove our monthly {$320.00} PMI payment. I requested that someone " contact me via phone or in a way that I can reasonably ask follow-up questions. '' At the end of XXXX when I had not received a reply, I submitted a fax to SunTrust. SunTrust confirmed on XX/XX/19 that the fax was received, and the following note was added to their online chat portal : " A faxed deletion request has been received to delete PMI. '' On XX/XX/19, I added a note to the online chat : " I would like to know how I can reappraise our home to lower our LTV. '' Later, another note was added by SunTrust : " A deletion request can take upto 30 days to be processed. Upon completion of the review, a letter will be mailed with the next steps, if any are necessary. '' On XX/XX/19, I added another note to the online chat portal : " I have sent 3 requests to Suntrust to reassess my home value. We would like to pay down the principle in order to get rid of PMI. '' When asked if I had additional feedback, I said, " I'm trying numerous avenues to get in touch with someone regarding my PMI. It certainly feels like Suntrust is intentionally making this a difficult process. '' On XX/XX/19, I made another note on the online chat platform : " I need to follow up on my PMI inquiry. Can you please provide an update? This system is terrible, and I don't understand why I can't talk to a human being. '' On XX/XX/19, I mailed a signed document along with a {$150.00} check, requesting to order a " Brokers Price Option '' in order to better determine our LTV. 

On XX/XX/19, I added yet another note to the online chat portal : " A couple of weeks ago, I mailed our Request to Remove PMI and a {$150.00} check. Can you confirm that this has been received, and let me know what the next step in the process will be? I have been attempting to get this taken care of since XX/XX/XXXX. '' Each month that this process persists, I am required to pay another {$320.00} PMI payment. As I noted to SunTrust, it certainly seems as though they are intentionally making the process to remove PMI a difficult one, and I believe it is unfair.
Consumer complaint received 2019-12-17
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. (TX)

XXXX have been reporting inaccurate information about several of my accounts. i have written multiple letters for them respond and correct these items that are hurting my credit score greatly and affecting my family is ways they do not understand nor care about. Below I will list the items they have been misreporting for over two years now and I have almost given up. Please Help.XXXX XXXX**** How is it possible that the account was transferred 2 years ago but “Date Last active” was XX/XX/XXXX? It can’t be both. XXXX  says 120 days late and XXXX  says 180 days. It cannot be both. XXXX  are also reporting 120 days late (9 times)..Equifax  shows late 120 days 1 time. It cannot be both. REMOVE and DELETEXXXX XXXX****XXXX  are reporting that this account is a “Charge Off” and that there is a “Balance” and “Past due” amount of $XXXX? It cannot be both. XXXX  are reporting “date last active” as XX/XX/XXXX and “date of last payment” was XX/XX/XXXX. No payments have been made to this collections account ever. Equifax is showing “date last active” is XX/XX/XXXX and  “date of last payment” wasXX/XX/XXXX.That doesn't match the other credit bureaus.This account is being RE-AGED also and is illegal. Remove and Delete immediately.XXXX XXXX****AGAIN, with this account you are reporting that this account is a “Charge Off” and a “Past due” amount of $XXXX? It cannot be both!  You are reporting “date last active” as XX/XX/XXXX and “date of last payment” was XX/XX/XXXX. No payments have been made to this collection account ever. Equifax is showing “date last active” is XX/XX/XXXX and  “date of last payment” was XX/XX/XXXX. The other bureaus report different. This account is being RE-AGED to show it was late active and last payment was this year also and is illegal. Remove and Delete immediately.
Consumer complaint received 2021-08-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted. I XXXX XXXX, have created and submitted this dispute solely and only for me. Do not respond stating otherwise. Thanks.
Consumer complaint received 2019-12-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Search ROI, LLC (MA)

XXXX XXXX XXXX XXXX XXXX is using a misleading adverting on XXXX showing XXXX XXXX  males showing off free cash. In reality the adverting link is forward to a high interest rate. XXXX XXXX XXXX XXXX XXXX address is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Kansas XXXX with a phone number if XXXX. 

Please look into the misleading advertising that XXXX XXXX XXXX XXXX XXXX is using on XXXX ( XXXX XXXX XXXX ) Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-17
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-12-17
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2023-01-22
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: CAPITAL ONE FINANCIAL CORPORATION (WA)

Submitted a billing error dispute with Capital One under title 15. USC. 16666 within 60 days of my last received statement. I notified Capital One that there was a billing error and Capital One proceeds to not only close the account, but charge the account off. Per 15 USC 1666 ( d ) this constitutes as a violation. There was a computation error as the disclosure documents specifically the document that details how the interest is calculated was not clearly and conspicuously disclose within the statement.
Consumer complaint received 2019-12-17
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. (CO)

Equifax and XXXX  are reporting incorrectly that I am ( 120 ) days late on DPT EDXXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. ( Please see attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2019-12-17
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)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: FIRST ADVANTAGE CORPORATION (OH)

Background check obtained from XXXX comes up with this information which is incorrect : SOCIAL SECURITY VERIFICATION NAME AND ADDRESS INFORMATION OBTAINED FROM : XXXX Customer Provided Information SSN XXXX DOB XXXX SSN State Issued XXXX Year Issued XXXX Name Type Report Subject Name XXXX, XXXX XXXX Addr Type Residence Address First Date XX/XX/XXXX Last XX/XX/XXXX Address XXXX XXXX XXXX XXXX, OH XXXX Addr Type Former Address First Date XX/XX/XXXX Last XX/XX/XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX Addr Type Former Address First Date XX/XX/XXXX Last XX/XX/XXXX I never lived at these locations and have requested 3 time to have them removed. 
Also Only employment from XXXX to XXXX is XXXX XXXX XXXX and XXXX as well as Ohio XXXX and XXXX nobody else.
Consumer complaint received 2019-12-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MD)

After 25 years in my home I am on XXXX. I M in XXXX XXXX an XXXX XXXX. I asked for a modificationAnd I was told that I would be given a modification. Mr XXXX   told me to give him $XXXX.
Consumer complaint received 2019-12-17
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. (TX)

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove  this however, I have not been successful.
Consumer complaint received 2019-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (ID)

I received an email from Experian cancelling my free credit monitoring as a result of hacking in XX/XX/XXXX. They also informed me that my credit freeze was lifted. I have tried to log into my account with no success to put the freeze back on. Am unable to access my account.
Consumer complaint received 2023-02-21
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. (GA)

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts in my file listed below : XXXX XXXX & XXXX ( Original Creditor : XXXX XXXXXXXX XXXXXXXX ) XXXX Balance : {$3300.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$830.00}, XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$990.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$830.00}, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$990.00}
Consumer complaint received 2019-12-17
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: SUNTRUST BANKS, INC. (FL)

My mother 's Sun Trust master card was used for two fraudulent transactions. One on XX/XX/XXXX for {$240.00} and one on XX/XX/XXXX for {$240.00}. Both seem to be the same. My mother has not used the card for either transaction. The fraud department says they've investigated and they keep insisting the charges are valid. I suggested they investigate my mother 's history with that card and clearly they haven't because if they had it would be clear that she did not charge either one of these. Someone at a restaurant perhaps used it before they returned it to her. Both charges appear to have been placed at XXXX XXXX. My mother is XXXX years old she doesn't travel and if it's a mall she hasn't been to a mall in 10 years.
Consumer complaint received 2024-01-09
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (CA)

The Chase charge off that's on my credit report. I had my attorney send letters asking them for the original application for that account showing that I personally guaranteed for the XXXX Credit Card, banker stated to me it was a no XXXX XXXX credit card. The bank did not respond back to what we had asked for.