davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (WI)

We have had a HELOC on our home for the past several years. It has largely gone unused. There is a XXXX balance on it. 

A couple of months ago, Specialized Loan Services, the company who had bought our loan from XXXXXXXX XXXX, began sending notices that they suddenly required flood insurance on this XXXX balance loan. ( Which hadn't been required for several years of this loan. ) Several attempts were made to contact the number regarding the insurance issue on the notice. Also note that in no place was the general customer service number for the company provided. Most of those attempts at contacting their insurance division led to a voicemail system that failed after the information was put in. Honestly, they very well looked like they might be scammers. 

Finally, after another notice, I was able to get through to that insurance verification department and get the general customer service number to cancel this loan, with a zero balance on it. I called this department on XX/XX/XXXX and informed them of the intention to cancel. They advised that a payoff statement would arrive in 5-7 days ( for a XXXX balance loan ). It didn't. I called back on XX/XX/XXXX and learned that they had charged the insurance to my loan for the amount of XXXX. They informed me that it was bought on XX/XX/XXXX, the FIRST day I called, and it says issued on XX/XX/XXXX, the SECOND time I called. 

They took these actions without my consent or authorization and did so coincidentally on the days of both phone calls to cancel. Again, this was a XXXX balance loan and they had every right to cancel it if something didn't meet some new, criteria. This is the height of unethical behavior to apparently farm money from a loan not being used. 

Coincidentally, our house was never even noted as being in a flood plain.
Consumer complaint received 2023-03-23
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. (TN)

I am interested in processing disputes with Equifax to help clear my file. these reports are inaccurate an I need these items removed asap. review the information listed an update all items on my credit report.
Consumer complaint received 2021-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

i got a statement from my bank when i tried to raise my credit line they sent me a paper that said i was turned down because of late payments on one of my accounts. i have never been late on any of my credit card or loans payments. so when i got my credit report it said i lived in georgia and had a phone number in georgia which i never did and the late charges started when my account address and phone number changed to georgia. plus if you look at where all the charges were made they were all made in georgia. i called the company and told them i never lived in georgia and i never had a phone number in georgia and i never made the charges on my account. the company said that all info was correct and said there was no fraud
Consumer complaint received 2021-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I really hope you can help me with this issue I am having with Experian I have a charge off from XXXX XXXX account # XXXX open XX/XX/XXXX. This was closed XX/XX/XXXX and charge off. XXXX Experian has changed the date to XX/XX/XXXX this is totally wrong and they need to delete this from my report. They do not have the right to change a date to mess with my credit. I now want to this remove completely from experian since they are falseise report things that arent true
Consumer complaint received 2022-10-15
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. (CA)

XXXX ACCOUNT # XXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
HIGH BALANCE, DISPUTE STATUS, DATE OF LAST ACTIVE, DATE OPENED, LAST PAYMENT ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates
Consumer complaint received 2020-02-10
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: 1ST FINANCIAL, INC. (VA)

Every month I receive an " Expiration Notice '' regarding accessing my equity through my mortgage company. The " expiration notice '' is NOT from my mortgage company. The notice is from a third party : 1st Financial , Inc . This third party uses my current mortgage company 's name in their notice as way to appear legitimate. The purpose of 1st Financial, Inc. is what I believe is to obtain my personal information. Why would they mail an " expiration notice '' every month and request I call them to discuss how to access my equity. I have called their XXXX to request removal of my name from their mail list but their is no answer.
Consumer complaint received 2020-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (UT)

I was approved another Discover account with a {$3000.00} credit limit with a Hard pull on my XXXX  credit report recently. However after receiving the credit card by mail. Discover then locked the card and stated they needed verify my identity but after more research I was informed they needed for me to sign off on a 4506-T to verify income however Discover own legal application process allows customer by law to include combined household incomes including stocks and bonds and business income. Matching tax returns income for an approval or denial when their is combined household income to me is " Income Discrimination '' additionally this isn't an industry standard procedure with other lenders. Furthermore, I am concluding this random check is due to fraud that wasn't properly resolved on a former account that I have tried actively try to resolve with no resolution.That account is reflecting a fraudulent balance of {$350.00}. Discover has both police reports information in regards to that matter. I applied with Discover seeking to develop a solid relationship with the bank for a longterm plan. This procedure should be modified to ensure the process doesn't discriminate against people with various incomes sources.
Consumer complaint received 2020-02-10
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)

XXXX XXXX XXXX # XXXX is reporting an account to Experian that is not mine. It belongs to my ex boyfriend and I should not be responsible for it. I was involved in a XXXX XXXX case and got a restraining order, this account is his but is still reporting on my credit and needs to be removed.
Consumer complaint received 2021-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: OPORTUN FINANCIAL CORPORATION (GA)

I did apply for the card on XX/XX/21, but I didn't activate it. Oportun sent me an email on XX/XX/XXXX reminding me to activate the card. I decided I didn't want the card due to the high annual fee, so I did not activate the card. On XX/XX/XXXX, Oportun sent me an email saying that my payment would be due on XX/XX/XXXX. I also received a text message on XX/XX/21 stating that my account was past due. They have been calling me everyday, but I haven't answered the calls because I was told that if I communicated with them they may be able to hold me liable. I did not activate this card, and I certainly don't want to do business with organizations that do business like this. I want them to close the account and revoke any false reports they may have made to any credit reporting agencies.

Thank you for your assistance in this matter.
Consumer complaint received 2020-02-10
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)

XXXX XXXX XXXX # XXXX is reporting an account to XXXX  that is not mine. It belongs to my ex boyfriend and I should not be responsible for it. I was involved in a XXXX XXXX case and got a restraining order, this account is his but is still reporting on my credit and needs to be removed.
Consumer complaint received 2020-02-10
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: R.M. Galicia, Inc. (CA)

Progressive Management System # XXXX is reporting an account to XXXX  that is not mine. It belongs to my ex boyfriend and I should not be responsible for it. I was involved in a XXXX XXXX case and got a restraining order, this account is his but is still reporting on my credit and needs to be removed.
Consumer complaint received 2020-02-10
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (LA)

XX/XX/XXXX I went to XXXX XXXX XXXX dealership to purchase a vehicle. I purchased a XXXX XXXX XXXX. I slightly knew my car salesman so I was ok doing business with him. " I thought ''! I came into the dealership around XXXX XXXX and begin the actions of purchasing the XXXX SUV. The salesman sat and asked for my employment and he asked some other questions. Afterward, I passed him my driver 's license and he ran to do a credit check. He ran back excitedly about 5 min later and threw my employment information on the desk in front of me and yelled, " You're Approved! '' I was confused because I knew my credit score so I knew I would be approved I just wanted to have a good interest rate approval. That was not the case at all, my credit score is XXXX  now, and it was the same at the time of the vehicle purchase. I asked the salesman what is my interest rate? he hesitated, then finally said 9.645 % I said " WHAT! '' So I said you went with the first bank? You must try another one. Afterward, he went and grabbed his supervisor, he was being very dishonest to justify the very high-interest rate. I just couldn't believe my ears! So I asked the salesman supervisor what's going on with my interest rate? He replied your zip code and credit score decide your interest rate. FLOORED! My credit is XXXX. Be aware!
Consumer complaint received 2020-02-10
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)

I received a notification from XXXX XXXX that I got a inquiry from some place I am not familiar with. I then reviewed everything on my XXXX XXXX and there are several accounts that had been open under my name. I believe someone has been trying to purchase something using my name for sometime because there is several accounts that do not belong to me. I have taken action to prevent anyone from opening anything else under my name. Please remove all these fraudulent accounts from my credit report. 

XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX XXXX {$450.00}
Consumer complaint received 2021-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (MD)

CitiBank dropped my credit limit by {$7500.00} on my two credit cards ending in XXXX and XXXX in a letter dated XX/XX/XXXX. 
The card ending in XXXX was reduced from {$3000.00} to {$500.00} and the card ending in XXXX was reduced by {$7000.00} to {$2000.00}. 
My card ending in XXXX was opened around XXXX - XX/XX/XXXX. 
The letter indicated that XXXX  reported my credit score as XXXX on XX/XX/XXXX. But my XX/XX/XXXX XXXX XXXX was around XXXX as per the XXXX XXXX report. My credit score never dropped by XXXX points in 1 day! 
I called the customer service of Citi bank and they asked me to open a complaint with XXXX. I called XXXX  and they mentioned they can only give me my 'current ' credit report and not any historical report. XXXX  can open a complaint only for a mistake on the credit report and started asking money for historical reports. 
I notified Citi Bank and they asked me to send the XXXX XXXX report to a specific address. 
I sent 4-5 letters to Citi Bank and all were sent with XXXX priority mail and tracking showed that all letters were delivered from the past 6 months. But Citi Bank didn't respond by letter to any of my letters. 
Because of the actions of Citi Bank and a bad response to its long-term customers, my overall credit percentage compared to credit limit increased that impacted my credit score. My credit score reduced by this massive drop. Other credit cards followed the suit and the credit limit further dropped by nearly {$10000.00}. 
Other things they mention in the letter is that generic statements saying my card balance on other credit card is high. Question is, how does Citi Bank know if the other credit lines I have are with 0 % APR or not? You look at credit cards with your bank first and see how much effort I had made to pay off the Citi Bank cards and improve

my credit score. The action of Citi cards only indicates
that they do not want consumers to pay off their credit cards.
Consumer complaint received 2020-02-10
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on identity IQ and there are two unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible please. I have already taken action to prevent anyone else to try and open anything under my social security number.
Consumer complaint received 2021-11-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Client Services, Inc. (IL)

Client Services INC. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mo XXXX. Has been sending me a Collection notice with balance {$2600.00} The credit has been reported as a pass due balance. I dont know this company. I never had done any business with this company.This company doesnt have a contract or signature of mines.
Consumer complaint received 2018-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (LA)

XXXX XXXX and Experian did not remove all inquiries that was not affiliated with my open accounts I provided police report that clearly states that I was an victim of identity theft
Consumer complaint received 2023-02-10
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: CORELOGIC INC (UT)

Hello, I see on my credit report there are XXXX inquiries from CREDCO on XX/XX/2022. This shouldn't be XXXX separate inquiries, it should be XXXX inquiry. I did not authorize XXXX inquiries on the same day.
Consumer complaint received 2018-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

TransUnion XXXX and XXXX did not remove all inquiries that was not affiliated with my open accounts I provided police report that clearly states that I was an victim of identity theft
Consumer complaint received 2023-04-09
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: EQUIFAX, INC. (GA)

I am writing to delete the following information in my file. The item I need to be deleted is listed in the report. I am a victim of identity theft and did not make the charge. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the item as soon as possible. 

I sent a letter to these agencies about a month ago and they still have an inaccurate item listed on my credit report. Please see the attachment for the details of the account still listed. PLEASE SEE ATTACHED. 

Your office is in violation of my consumer report given to me by Congress as a federally protected consumer. YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, it has come to my attention that your office ( XXXX, XXXX, and Equifax ) have again violated my privacy. 15 USC 1681 ( a ) ( 4 ). You also have placed false inaccurate collection accounts on my consumer credit report that I would like to remove.
Consumer complaint received 2024-05-03
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (VT)

I have had a XXXX XXXX account for many years, and have used it to make purchases/pay them off - always on time but often early - using their interest-free feature. They use Synchrony Bank to 'handle ' this account. The sudden decrease had an immediate and negative affect on my credit scores. I have already complained directly to Synchrony Bank, and received a series of reasons, none of which were valid, and at least one which was absolutely untrue. ( That complaint has now gone to the XXXX XXXX XXXX, as the reply given through CFPB was not satisfactory. I am therefore making a complaint about XXXX XXXX, as they are directly responsible for my no longer being in a position to use my account, as any purchases I would wish to make far exceed the {$100.00} limit. I was a great customer, and I have many XXXX products. The fact that XXXX cares so little ( if at all ) about the damage Synchrony Bank is doing to the credit scores of thousands of its customers is both bad business and, in my case, as at least one of the " reasons '' given for the precipitous drop in my limit was utterly invalid ( they said I was paying off my mortgage debt 'too slowly '. I own my own home, with an estimated XXXX XXXX equity, and the only mortgage debt I have is a very small HELOC and an energy loan, both of which are always paid on time in accordance with the term set out by my lenders. )
Consumer complaint received 2022-10-15
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. (CA)

XXXX broken several laws 15 U.S.C1681 section 602 A I have the right to privacy.

15 U.S.C 1681 604 A Section 2 a consumer reporting agency can't furnish a count without my written instructions. XXXX XXXX has been reporting this information without my permission for over 45 days. I been asking them for months to delete this inaccurate information and they just say they are reinvestigating and never give back any results of the investigation. They haven't shown that they are Metro 2 compliance or how the verified this information to begin with. XXXX has defamed my character on purpose.
Consumer complaint received 2019-03-12
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: CITIBANK, N.A. (CA)

On XX/XX/2018 I booked a trip ( 2 tickets myself and my wife ) from XXXX to XXXX XXXX. The " to '' XXXX XXXX flight was overbooked so my reservation was canceled. I contacted XXXX XXXX  on XX/XX/2018 ( they were the airline on my return XXXX XXXX to XXXX flight ) I informed them that my " to '' flight with another airline was canceled. They told me since I had booked the tickets and was cancelling them within 24 hrs that there would not be a problem with a refund. The 2 charges appeard on my credit card statement in the amount of XXXX for each ticket. ( 2 charges of XXXX ) I waiting until my statement closed and there was no refund issued. I filed an online dispute with my credit card Citibank XXXX Visa card. The Citi system only allowed me to dispute 1 of the XXXX charges. I called Citibank and they said there was a system issue and the dispute would apply to both XXXX charges. about a month went by and I was informed that the dispute was resolved in my favor. I received a permanent credit of XXXX. I called Citi bank and inquired as to why I only got 1 credit of XXXX instead of both XXXX charges. I was told there was no record of me disputing the other charge of XXXX so I did it with the rep over the phone for Citi. I was told there would be no issue since the first charge was ruled in my favor. A few more weeks went by and I was informed that the second charge of XXXX was ruled in favor of the airline. I called Citi for an explanation as to why 2 tickets for the same flight could be disputed and only 1 ruled for  me and the other the airline. I was told there was nothing they could do me. I asked again how 2 tickets for the same flight for the same family could be ruled in my favor and against me. I was not given an answer.
Consumer complaint received 2018-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (OH)

I have tried three times to get my annual credit report from Experian on the annual report website and get the same message " problem with their system '' I also tried once by phone on their system and now got a letter back saying not enough information given!!!

It is my contention that they purposely have all of these " Roadblocks '' in an effort to get you to give up and not honor their requirement to give the FREE annual report