davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AL)

Even after knowing all of the information of how institutions function in the United States to disempower certain communities and people of XXXX. It is still necessary to challenge the institutions to attain equitable treatment. The credit bureaus has an interconnection between financial institution, insurances companies, and credit unions, etc, who uses them for housing, redlining, and for devaluing an entire community by labeling all of its resident as " high risks ''. 

Equifax has attempted to devalue my credit health as the United States Government devalued XXXX Americans for homeownership in the XXXX. The Ponzi Schemes was used by the United States government to build projects for white privileged soldiers. Then the United States Government emerged with the G.I. Bill to allow white privileged soldiers to escape from the projects but kept XXXX Americans trapped in the inner-city by alleging the government did not have money to lend to XXXX Americans soldiers for the 235 homeownership program. 

The existence of economic and XXXX inequity continues to prevail with Equifax against my credit health. Equifax has developed a sense of superiority over my credit health on or about XX/XX/2019. Equifax distorted conditioning process was used to report to XXXX XXXX XXXX XXXX and other creditors that there are derogatory on my credit health. Such as a derogatory public record, or collection, and proportion of loan amount is too high on my credit health that all are unfounded in fact. 

Equifax knows that access to excellent credit health, or quality education, and health care, is the road to empowerment. Equifax internalized XXXX oppression has attempted to disempower me with inaccurate  credit information to my creditor. Equifax has generated their wide disparities in my life by their biases, stereotypes, and behaviors that characterize they're " real '' XXXX. America ( Equifax ) institutionalized racism is supported by your white power structure that allows you to loot America of goods, or steal goods, or plunder people of XXXX credit health. 

According to Professor XXXX XXXX companies of the upper socioeconomic class engage in much more criminal behavior as Equifax has done than the lower socioeconomic offenders.
Consumer complaint received 2019-10-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CT)

we were purchasing a bank owned home that needed work done. we were " sold '' a 203k loan by XXXX XXXX  out of XXXX, CT because this was our best option, with the promise that all receipts had to be collected and a HUD inspector was working in our best interest. XXXX XXXX   said it would hold our mortgage until the work was finished. Our loan was sold to freedom mortgage before the first payment was made. They never collected the subcontractor 's licenses/insurance information. {$140000.00} was paid out to the contractor ( XXXX XXXX    XXXX XXXX ) and the work is nowhere near completed. A subcontractor ( XXXX XXXX  XXXX XXXX, not a licensed plumber ) completed the plumbing work, and per a licensed plumber that came in confirmed everything needs to come out and be re-installed. everything they touched has to be redone correctly. we are now going through arbitration with the contractor, but I feel like the bank should have done a better job. I reached out to our HUD inspector multiple times and he never involved the bank. he advised me to just sign the checks so we didnt hold up the work. I am now paying a monthly mortgage on the full amount of the loan plus the additional money for the improvements. I have asked the bank if there was something we can do ( we were supposed to refinance after the work was completed, should have only taken 6 months ) we are going on 12 months. we can not afford this mortgage and I am trying to avoid foreclosure and ruining my credit.
Consumer complaint received 2017-02-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX, Trans Union, and XXXX are reporting XXXX XXXX account that was apart of Identity Fraud XX/XX/XXXX-XX/XX/XXXX. XXXX XX/XX/XXXX-XX/XX/XXXX paid out a Identity Theft claim for the XXXX account for Identity Theft. I have know knowledge of this account being reported. Requested the XXXX Credit Bureaus to provide physical documentation mailed to me, to support this account without any documentation sent to me. I have to confirm the Credit Bureaus physical documentation with the XXXX claim documentation.
Consumer complaint received 2021-02-17
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: JPMORGAN CHASE & CO. (CA)

On XX/XX/2021, I noticed 4 charges from Amazon that posted on my Chase credit card account that I did not make or authorize. The fraud charges totaled up to {$1100.00}. I called Amazon and verified that my credit card information was found on another customer 's account that turned out to be under my ex-roommate 's name. When I called Chase, the bank informed me that they had sent out an updated credit card with a tap feature in the mail, however I had never received the card in the mail and suspect it was stolen by my former roommate. I filed a police report and disputed the fraud charges with Chase. I provided Chase copies of my Amazon purchase history and the police report number. However, Chase denied my fraud dispute and did not provide a reason as to why as it was denied. Chase never informed me that they were sending me an updated card and I believe my rights as a consumer were not protected.
Consumer complaint received 2019-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Hi, My son applied for an auto loan and I was the co-applicant of that loan through XXXX XXXX XXXX XXXX XXXX. We applied for a pre-approval application online for an auto loan on Thursday, XX/XX/2019. We got pre-approved on Friday, XX/XX/2019. I provided my personal information to them which included my social security, pay stubs and my drivers license and my son provided his personal information to them. They called me today, XX/XX/2019 at XXXX am and told me that they have pulled my credit report and my date of birth does not match the date of birth that I have provided to them. They told me to provide them with a letter which will state that my date of birth has been corrected.
Consumer complaint received 2018-05-31
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (AL)

During discovery in a divorce case, I found that my soon to be ex got a Credit Card from Belk 's department store, in my name and Social Security number. 
She had been hiding the account by paying Online using an account I had no access to. 
After the divorce started, she changed the account address to C/O ( her name ) and changed the address to that of her parents. 
The present balance is approx {$3600.00}, and I don't know how much was charged for several years.This account showed up on my credit report. 
I inquired with XXXX, and Belk/Synchrony Bank about the account in XX/XX/XXXX. Since I didn't know the account number, I filed a fraud investigation report with Belk/ Synchrony, and the local police department. After a couple of weeks, several statements arrived. 
I did request in writing, copies of the originating documents on the account. 
After 2 months, Synchrony sent a letter stating " We are unable to approve your claim of FRAUD ... Because " Account opened greater than 1 year with verifiable payment history ''. They did not sent the requested documents of the account being opened. 
Then, today, XX/XX/XXXX, I get a billing statement from Belk 's, ( for the first time ). 
The Account number was changed. I don't have a card under any account number.
Consumer complaint received 2018-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (IL)

I am having trouble locating a release of a mortgage I refinanced out of that was previously through GMAC mortgage on XX/XX/XXXX. I've contacted the servicer that I recall was servicing the loan, OCWEN, which was unable to help us. They claim that they took on servicing in XXXX and had no records prior to that. GMAC mortgage went out of business or sold to various other parties after the refinance. We are unable to locate any party who is responsible for maintaining GMAC records closed prior to going out of business. We have contacted XXXX XXXX on advice of title insurer which believed that XXXX ( now XXXX XXXX ) took over many of the loans by GMAC.

We had to take out a personal undertaking with XXXX XXXX XXXX XXXX as a result of our inability to obtain the release. We are seeking assistance from the CFPB to assist in contacting OCWEN and other servicers to find who to contact for the release so we can discharge our potential future liability on the release.
Consumer complaint received 2022-12-15
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. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and updated from erroneous reporting in my file are listed on my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-03-12
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: Bread Financial Holdings, Inc. (FL)

I filed an ID Theft Report with the FTC on XX/XX/XXXX. I provided a copy of this report to all 3 CRAs on XX/XX/XXXX which then notified all creditors involved. 

One of the creditors was XXXX XXXX/XXXX. 

On XX/XX/XXXX, XXXX  provided me with their investigation results. I attached a copy of that report. As you can see, XXXX XXXX/XXXX was the ONLY creditor who refused to the blocking of their account. 

As I assumed this was an error, I sent XXXX a letter on XX/XX/XXXX by certified mail ( see attachment ) which was received XX/XX/XXXX, notifying them again of the ID-Theft and providing them with another copy of my Theft Report. I also notified them that I have not received any communication from them in regards to this matter. 

On XX/XX/XXXX, I received a response from XXXX ( attached ), basically stating that an ID Theft would be impossible on this account since it was opened and used be me AT SOME POINT and that they concluded their investigation and filed the dispute as complete. 

This forced me to send XXXX another certified letter on XX/XX/XXXX which was received by XXXX XX/XX/XXXX ( attached as well ). I clearly pointed out that this account was indeed opened and used by me but that the open balance was the result of ID-theft. I provided them with the same copy of the XXXX  results, a copy of a statement reflecting the last balance authorized by me and notified them when these charges were paid off. I attached the last statement reflecting authorized charges by me ( {$51.00} ).  This balance was paid off on XX/XX/XXXX. 

I requested the removal of the fraudulent account from my credit-reports within 30 days of the receiving of the letter. This deadline expired yesterday ( XX/XX/XXXX ). I also advised them that a case with the CFPB would be filed if they would not comply. 

As of today, XXXX XXXX has not provided me with any information whatsoever. As you can see, I requested detailed information about the alleged open balance, how this balance was calculated, what alleged purchases were made resulting in said balance and, most importantly, any proof of signature of me obtaining said goods. NONE of this was provided.
Consumer complaint received 2019-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Waypoint Resource Group, LLC (VA)

The FCRA states that the credit bureaus must verify all information that they get from the banks, credit card companies, etc., before putting it on your credit report. 

What the CRAs must have is the ORIGINAL SIGNED DOCUMENT from when I opened the business account that is posted on my credit report. 

Section 609 of the Fair Credit Reporting Act states that I should be sent the ORIGINAL SIGNED DOCUMENTS in order to verify if the accounts are valid. 

Since they have not sent me such ORIGINAL SIGNED DOCUMENTS they are obligated under the Fair Credit Reporting Act to delete those unverified accounts. 

Therefore, I am requesting that these accounts be deleted from my Credit Report Agencies. 
-XXXX -XXXX -XXXX Account related to this complaint : Collector : WAYPOINT RESOURCE GROUP Last reported XX/XX/2019 {$170.00} Open balance XXXX XXXX XXXX Original creditor
Consumer complaint received 2019-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (VA)

TheFCRAstatesthatthecreditbureausmustverifyallinformationthattheygetfromthebanks,creditcardcompanies,etc.,beforeputtingitonyourcreditreport.

WhattheCRAsmusthaveistheORIGINALSIGNEDDOCUMENTfromwhenIopenedthebusinessaccountthatispostedonmycreditreport.

Section609oftheFairCreditReportingActstatesthatIshouldbesenttheORIGINALSIGNEDDOCUMENTSinordertoverifyiftheaccountsarevalid.

SincetheyhavenotsentmesuchdocumentstheyareobligatedundertheFairCreditReportingActtodeletethoseunverifiedaccounts.

Therefore,IamrequestingthattheseaccountsbedeletedfrommyCreditReportAgencies.
XXXXXXXX-XXXXAccountsrelatedtothiscomplaint:Account#1:Collector:XXXXXXXXXXXXXXXXLastreportedXX/XX/2019{$630.00}OpenbalanceUNIVOFXXXXXXXXOriginalcreditorAccount#2:Collector:LVNVFUNDINGLLCLastreportedXX/XX/2019{$450.00}Openbalance12XXXXXXXXNAOriginalcreditorAccount#3:Collector:XXXXXXXXXXXXLastreportedXX/XX/2019{$170.00}Openbalance11XXXXXXXXOriginalcreditor
Consumer complaint received 2018-05-31
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: CITIBANK, N.A. (OH)

I have CITI credit card since XX/XX/2017 and I've been on good standing by using it since I opened it ... it was my main card and I was using it a lot because I had an offer for no APR for 9 months and % 3 cashback and I was shocked before a couple days ago while I tried to make a purchase and it didn't go thru and i called the creditor and they told me that my card has been closed for delinquency!!!!! and they took my reward and refused to give it back to me ... i disagreed this over and over but no solution
Consumer complaint received 2015-11-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX several occasion I have contacted TransUnion LLC in regards to some allege debt that has been reporting on my credit report as deragatory or negative items. I request on many occasion that this credit bureau validate the allege debts. The credit bureau is suppose to request verifiable proof not partially but in whole according to federal law. The law require the bureau to only report the negative item if they have 100 percent verifiable proof in regards to the negative item that they are reporting. The credit bureau is suppose to get the original contract along with other documents from the original creditors and within 30 days provide the information to me. TransUnion is reporting XXXX XXXX XXXX credit cards, XXXX XXXX bank XXXX credit card, XXXX XXXX XXXX, and a Bankruptcy as negative items or deragatory items on my credit report. On several occasion I have disputed these allege item and although TransUnion fail to provide me with require information that these allege debt are 100 percent accurate, TransUnion still reports these negative information on my credit report. I have receive letters from XXXX Bank XXXX stating that they cant provide me with validation on debt, I have letter recent as XXXX/XXXX/15. So if they are sending me these letters how is it that TransUnion is stating that allege debt has been verified. TransUnion needs to provide legitimate validation and fulfil their legal obligation by investigating the disputes. TransUnion is suppose to exercise their responsibility with fairness, impartiality and respect for all consumers. TransUnion never state how these allege debt was verified, whether by mail, by email, by fax, or by telephone. TransUnion is violating the Fair Credit Reporting Act, The Fair Debt Reporting Act, and other federal consumer protection laws. Verifiable proof not partially but in whole is required by federal law, and negative items are only suppose to be reported when you have 100 percent verifiable proof. Now TransUnion continue to report negative items on my credit report and fail to provide me with 100 percent accurate, legitimate validation of allege negatives that they are reporting on m y credit report.
Consumer complaint received 2018-05-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (FL)

I did not give the original creditor permission to share any of my information with this company, I also do not owe this company any money. I have sent letters also called for this company to remove this debt from my credit which is causing me not to be able to buy a house, this company is harassing me for a payment I do not owe them.
Consumer complaint received 2019-07-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

I deposited a money order from the XXXX post office  for {$11000.00} euros on XX/XX/2018. 
Citibank took to money order that is guaranteed like a US post office money order. They in turn lost the money order and sent me a copy advising they were unable to cash it stating : refer to maker This is totally ridiculous and no small amount. This is a guaranteed money order from the national post Office of XXXX. 
With Citibank losing the check, I have no recourse now when I go to XXXX. A copy will not be honored. 
By them messing the deposit up and not sending me back the original money order they have cost me {$11000.00} euros.
Consumer complaint received 2019-10-11
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: SYNCHRONY FINANCIAL (OH)

I reached out to Synchrony Bank for an Amazon credit card inquiry from XX/XX/2019. They advised me they didn't find any applications or inquiry at this time. They said there was nothing they can do. I want this inquiry removed since I never applied with them. I already reached out to XXXX and they tell me to reach out to the company, Synchrony. I didn't get anywhere with them and I shouldn't be penalized when Im not applying for credit. I put on all 3 of my credit reports, freezes and blocks.
Consumer complaint received 2019-10-11
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: EQUIFAX, INC. (GA)

I recently went to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a number of items on my report that are not mine. This is definitely fraud so I contacted the police locally and FTC. These items need to be deleted from my credit report. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX and these inquiries are not mine either : 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, XXXX XXXX XXXX XXXX.
Consumer complaint received 2015-10-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In reviewing my credit score online, I discovered a XXXX XXXX XXXX account that is not mine associated with my profile and a name and address that is also not mine associated with my profile. It seems as though someone else 's information has been associated with me.