davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-06
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: EQUIFAX, INC. (PA)

XXXX XXXX XXXX : {$770.00} Date Opened : XXXX, XXXX, XXXX Youre reporting an account that does not belong to me. Im requesting a 30 day investigation to prove this debt belongs to me. If you can not send me proof please delete this from my credit report immediately. Below are a few things I need to see in 30 days if not please remove from credit report. 

* Please show the original contract with my signature that shows I owe this debt. 
* I need to see the assignment contract between you and the original creditor. 
* Proof that this debt is within the statute of limitations in the state of Pennsylvania. 
* Proof that you are a licensed and bonded debt collector and can collect debt in the state of Pennsylvania. 

Thank you Ill be looking to hear back in 30 days, if not please remove this unknown account from my credit report.
Consumer complaint received 2023-05-01
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

To whom it may concern, I am having issues with Equifax and XXXX regarding my credit score. 

My credit score with Equifax and XXXX dropped XXXX points from XX/XX/XXXX to XXXXXX/XX/XXXX.I reached out numerous times to both companies and they refused to assist me, only giving me the credit report but not telling me what changed in my credit rating. It is interesting because I am preparing to buy a home, therefore I have not in the past months opened a new credit line ( any loans whatsoever ), I have maintained for years now a credit usage below 3 %, my salary has increased, and my outstanding loans ( student loans and auto loans ) have decreased in balance. 

I have been trying extremely hard to understand from Equifax and XXXX what new information caused them to drop XXXX points with XXXX success. 

XX/XX/XXXX and XXXX, both have me rated between XXXX and XXXX, which is where I was with Equifax and XXXX until they decided to lower my score XXXX points and can not explain to me why... 

Equifax and XXXX are preventing me from obtaining a loan for a home ( would be my first home ) because of their poor credit rating whenever they can not substantiate their reporting. 

I beg for assistance, they keep sending me to different departments and no one ever helps me... 

Regards, XXXX
Consumer complaint received 2019-06-18
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. (TX)

I wish to bring actions against TransUnion for knowingly depressing my credit scores without any valid reason. During the month of XX/XX/2019 to XX/XX/2019, my credit score fell from XXXX to XXXX, reason gives : Oldest account is too recent, Lack of sufficient credit history, real estate account balances is too high compared to their loan amount, too many inquiries on credit report. None of this depiction is back by quantitative facts nor do they reflect the true picture of my financial management practices. 
*Oldest account is too recent/Lack of sufficient credit history : as a hold of a security clearance I made it a practice to live well within my means by not creating debt. Transunion should not be able to depict my credit standing as poor for managing my finances as recommended by the Adjudicative Guidelines. 
https : //www.consumerfinance.govXXXX *Real estate account balances are too high compared to their loan amount : This statement is without any form of supporting evidence of facts. My home was purchased for {$270000.00} XX/XX/2019, my current balance as of XX/XX/2019 is XXXX ( I have paid off {$6800.00}. ) Who are they comparing my mortgage to and what balances can provide to warrant this statement? 
*Too many inquiries on credit report : the inquiries listed are duplicates in which I have to ask to be combined.
Consumer complaint received 2019-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX XXXX # XXXX is reporting a balance that I do not owe. I have already paid this off. I should not have a balance on this account nor should it be reporting to my credit. I have paid this and it should not be reporting.
Consumer complaint received 2019-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

XXXX XXXX XXXX # XXXX is reporting a balance that I do not owe. I have already paid this off. I should not have a balance on this account nor should it be reporting to my credit. I have paid this and it should not be reporting.
Consumer complaint received 2019-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX XXXX # XXXX is reporting a balance that I do not owe. I have already paid this off. I should not have a balance on this account nor should it be reporting to my credit. I have paid this and it should not be reporting.
Consumer complaint received 2019-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CO)

On XX/XX/XXXX, we closed selling our house. Our proceeds were provided to us in the form of 2 cashiers checks from our title company, XXXX XXXX. One check was for approx. {$1400.00} and one check was for approx. {$150000.00}. We deposited them on the ATM of our local wellsfargo and were informed that a hold would be placed on the funds until XX/XX/XXXX. On XX/XX/XXXX, I went to a branch to speak to the manager about receiving our funds and we were told that {$5000.00} of the deposit would be made available to us at midnight on XX/XX/XXXX. None of the funds have been made available. Ive called the branch and they said to call customer service who then referred me back to a branch location. We are now being told none of our funds will be available until XX/XX/XXXX, which is more than 7 business days past the initial deposit on XX/XX/XXXX. This is in violation of the funds availability act and the exception holds.
Consumer complaint received 2015-12-03
Product: Credit card — 
Issue: Transaction issue — 
Company: AMERICAN EXPRESS COMPANY (VA)

American Express is not allowing me to make payments to my account. When I have asked why, I have been told XXXX separate things by different chat representatives:1. That there is a thirty day hold after you make your first payment from a new bank account. This is not true, because I have made XXXX payments so far from that account. 
2. That you can only make a payment up to your current statement balance. This is not true, because I have already made a larger payment than my current statement balance. 
3. That the system sometimes will not allow payments but there 's no reason to explain why. 

I am disappointed that these XXXX explanations contradict each other, and that none of these were explained in my cardmember agreement.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2019-06-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

I have a credit card bill on my Equifax credit report from XXXX and I have never had a XXXX account. When I contacted the number that appears in my credit credit for XXXX XXXX I gave the customer service rep my information ( ssn ) and she was not able to pull any information under my social security number. However, Equifax is reporting this on my credit profile.
Consumer complaint received 2024-02-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

I am writing to file a formal complaint against Citizens Bank regarding what I believe to be unfair lending practices in connection with a Home Equity Line of Credit ( HELOC ) application. 

On XX/XX/2024, I applied for a HELOC with Citizens Bank, attracted by its advertised Annual Percentage Rate ( APR ) of prime rate minus 0.5 %. However, upon receiving the lending disclosure, I was shocked to discover that the variable APR of the HELOC may be as high as 21 %. This drastic increase from the advertised rate to 21 % is alarming and appears to be unconscionable and usurious. 

Furthermore, the lending disclosure provided by Citizens Bank failed to adequately explain under what circumstances the APR could escalate to 21 %. There was no clear indication or transparency regarding the triggers for such a significant rate hike. Additionally, the document did not outline any process for notice or appeal in the event of an increase in the APR. This lack of transparency and clarity puts consumers like myself at a significant disadvantage and leaves us vulnerable to arbitrary and unjustifiable rate increases. 

Moreover, I am deeply concerned by the fact that Citizens Bank required me to sign the lending disclosure document without providing a copy of the signed document for my records. This lack of transparency and failure to provide essential documentation undermines consumer rights and raises serious questions about the bank 's commitment to fair and ethical lending practices. 

In light of the aforementioned issues, I urge the Consumer Financial Protection Bureau to thoroughly investigate Citizens Bank 's lending practices and take appropriate action to address any violations of consumer protection laws. I believe that it is imperative to hold financial institutions accountable for their actions and ensure that consumers are treated fairly and ethically. 

I appreciate your attention to this matter and look forward to a prompt resolution. 
The application number is # XXXX.
Consumer complaint received 2023-07-05
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: Experian Information Solutions Inc. (AR)

The following companies have taken more than 30 days or more to respond and not resolving my complaints being made. This is the last warning before legal action will be taken against them I have documented over 35 CFPB complaints that have all come back with untruthful verified claims. I also have COPIES OF ALL CORRESPONDANCE WITH EXPERIAN, XXXX AND XXXX WHO FAILED TO REMOVE THE INACCURATE INFORMATION. EXPERIAN STATED THEY WOULD NOT REMOVE ANY ADDRESSES CONNECTED TO CREDITORS WHO CLAIM THE ADDRESSES ARE MINE. I HAVE ALL THIS ON RECOREDED PHONE CONVERSATIONS WITH EXPERIAN, WHICH I HAVE PROVEN ARE NOT MY ADDRESSES. I ALSO HAVE IN WRITING AND WILL BE USED BY MY LEGAL COUNSEL AGAINST XXXX XXXX, XXXX XXXX XXXX XXXX, EXPERIAN, XXXX, XXXX, XXXX XXXX AND XXXX XXXX WILL ALL BE SUED IF NOT DELETED IMMEDIATELY THIS IS THE LAST AND FINAL WARNING BEFORE LITIGATION. IDENTITY THEFT AFFIDAVITS AND AFFIDAVITS OF TRUTH HAVE ALL BEEN SENT AND WILL BE USED TO SUE FOR DAMAGES AS ALL FCRA AND THEIR CLIENTS REFUSED TO RESPOND. WE WILL BE ASKING FOR THE AMOUNT OF {$500000.00} FOR DAMAGES AND LOSS OPPPORTUNITIES. 

THE FOLLOWING ACCOUNTS NEED TO BE DELETED IMMEDIATELY OR FACE FEDERAL LAWSUIT XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-11
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. (CA)

I contacted Equifax about some unauthorized inquiries on my credit report. The following inquiries are fraudulent : XXXX - XX/XX/2020 Equifax XXXX - XX/XX/2020 Equifax XXXX XXXX  - XX/XX/2020 Equifax I was told to file a FTC report which I did and was given a fax number to fax the report which I did on XX/XX/XXXX and was verified receipt from the fax printout. I called on XX/XX/XXXX to confirm receipt which they stated they had not received. I then sent a copy certified mail on that letter was confirmed receipt on XX/XX/XXXX. Ince again I contacted Equifax to verify receipt which the again stated they didnt receive the document! I have proof they have on two occasions. 
Lastly yesterday they responded with a letter stating the needed additional documents because they couldn't locate a credit file with the identifying information I provided which again is false!
Consumer complaint received 2019-04-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Valentine and Kebartas, Inc. (CA)

Repeated phone calls before XXXX, even though they have my mailing address in California. the supervisor said I should change my number, I don't understand why i have to change my number for them to follow the Fair DEBT COLLECTION PRACTICE ACT
Consumer complaint received 2016-11-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch (FL)

We have been attempting to qualify for a loan modification for over three years. We have submitted countless packages and documents to the lender/servicer XXXX XXXX. To this date we have not received an actual response either granting or denying a loan modification. Instead every time we contact the lender they advise us that our documents are under review and we are instructed to submit more documents each time. To make matters worse, our mortgage/servicer just changed on XXXX XXXX, XXXX. The new servicer BSI, states that the last set of documents the previous servicer XXXX XXXX provided them are from XXXX. This is completely erroneous as we had provided XXXX XXXX with documents countless times since then, most recently on XXXX XXXX, XXXX and XXXX XXXX, XXXX. Even after XXXX took over our mortgage on XXXX XXXX, XXXX, it took them over a month for our file to appear in their system. I continued to call them for weeks to no avail as our file had not been uploaded. This was time that was wasted by the servicer as during this period my loan modification could have been worked on. After finally speaking to a representative from XXXX who stated they had no financial records from me since XXXX, he advised me that I probably do not qualify for a loan modification because my actual loan is too delinquent. This statement was made without any knowledge of my current financial situation or the fact that I have submitted a substantial amount of financial documents to the previous servicer, XXXX XXXX. The way this has been handled by the banks/servicer is completely unacceptable. I currently have the funds and salary to qualify for a loan modification and save my home. This is my homestead and where I have raised my children. Given the chance of being provided a loan modification, I will be able to pay the monthly payments and save my home. I now have a sale date of XXXX XXXX, XXXX and am I still attempting to save my home.
Consumer complaint received 2015-09-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NJ)

URGENT SHERIFF SALE TOMORROWXXXX XXXX WELLS FARGO HOME MORTGAGE IS A FRAUD & gt ; HE TOLD ME LAST THURSDAY HE WAS INVESTIGATING ALL THE CFPR COMPLAINTS AND WOULD POSTPONE MY SHERIFF SALE IF HE WAS STILL INVESTIGATING. 
TODAY HE SAID HE WAS STILL INVESTIGATING AND HE DID NOT CARE ... I WAS GOING TO SHERIFF SALE. MY HOPE COUNSELOR WAS HORRIFIED AT HIS TREATMENT. 
YOU MUST INVESTIGATE THESE HORRIBLE BANK TACTICS. I AM A BANKER FOR OVER 25 YEARS AND HAVE NEVER BEEN TREATED SO BADLY BY A BANK. 
WHY ARE N'T YOU IN THERE LOOKING AT WHAT IS GOING ON?????? 
NOTHING IS WORKING, PLEASE HELP. THESE PEOPLE ARE MAKING IT SO DIFFICULT TO GET A LOAN MODIFICATION. I HAVE HAD XXXX PEOPLE HELPING ME WITH THE MORTGAGE ... THEY ARE A SCAM & lt ; FRAUD. WHY ARE YOU NOT IN THERE????????
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sequoia Financial Services (CA)

I have items on my credit that is not mines 3-4 Collections in various locations and different states I have disputed this with XXXX, XXXX and XXXX and even called and they states on credit update items not removed because the creditor states it is my collection. Problem is its not my collection and I have provided proof but creditors will remove and resell debt and I will be stuck with the debt all over again. They are not practicing fair credit reporting I have asked for proof and none is provided
Consumer complaint received 2023-07-17
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. (FL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-04-29
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. (MI)

In accordance with the Fair Credit Reporting Act, XXXX, XXXX and Equifax have violating my rights by publishing inaccurate information about me and my account with XXXX XXXX XXXX XXXX. 

I was one of the thousands of consumers affected by XXXX XXXX XXXX XXXX deceptive business practices. I made my payments on time and XXXX XXXX intentionally altered, delayed the payments so they would appear late. I disputed and complained many times to the credit bureau the inaccurate XXXX XXXX XXXX XXXX information in my credit file but I am continuously ignored. 

Can you help me? 

XXXX XXXX XXXX XXXX  Account number beginning XXXX
Consumer complaint received 2019-03-09
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: Experian Information Solutions Inc. (MO)

I've tried a few times to remove these unverified and unknown accounts from my credit report, however the major credit bureaus insist on keep reporting information inwhich is taking from one side, the supposed creditors. I have requested and questioned their Method Of Verification and have not received anything. My next step will be to file a law suit against the reporting agencies. The Fair Credit Reporting Act states that if the credit reporting agencies can not provide consumer with request and physical documentation of what's being requested then the accounts shall be removed immediately. I'm Demanding that these accounts either be blocked from my credit report or the reporting agencies provide physical documentation along with their Method Of Verification into these accounts. Who verified these accounts, when and how did they verify these accounts, At what time, hour and day/ date did they verify these accounts. Inwhom did they communicate with and what methods of communication was used. And if this can not be met in a timely fashion then these accounts shall be deleted immediately. 1. XXXX XXXX XXXX {$1000.00} ... ... ( 2 ) XXXX {$920.00} ... .. ( 3 ) XXXX XXXX XXXX {$390.00} ... .. ( 4 ) XXXX XXXX {$130.00}
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: First Financial Credit, Inc (KY)

When I took out my loan last year I told them I did not want any insurance on the loan well months later when i looked at my papers i seen where i had all the insurances they offer and an auto insurance also i phoned office was told i did not have insurance on my loan i told them it was on my paperwork so they told me to bring it in ... .so i work over 40+hours out if town its hard to get time to go in so when i finally took a day off to go in today they had me sign a paper that says I wanted to drop life and disability and told me come back next week sometime they would have me a check ready then so when I left I took paper to my girlfriend she ask about auto club as it was not on the paper the paper was also dated for that day instead of being backdated to my loan date I have been given the run around for like 6 months now on this issue I talked to supervisor today told me that she was called about dropping insurance on a loan but that the office didn't say anything about dropping the auto which she found out hadn't been dropped at all so I inquired about other insurance like person property she told me I had to have that and I know by law I dont have to so she wouldnt drop the property insurance at all. So supervisor called me back said they were gon na send me check in the mail for the ones they dropped sometime next week. I dont know why this has been such a hassle and I have been lied to so many times