davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX has reported an account delinquency on a paid off account. I owe no balance on the account since XX/XX/18. They originally ove rcredited the account giving me a surplus balance which was intended for another credit card, same company. Both numbers were listed on the check and both payment slips were included to correctly identify the amounts. 
On XX/XX/18 I realized they had made a mistake and called to have it corrected. The XXXX XXXX employee backed out the payment and once again credited the incorrect account. On XX/XX/18 I owed nothing in XXXX they reported a 30 day overdue payment for the original amount {$57.00} plus XXXX in interest. I have had this happen with XXXX XXXX over a 13 year relationship a number of times and so am currently calling in my payments separately for each account but they charge additional fees for that. 
On XX/XX/18, I called and they rectified and backdated the payment to reflect ALL 3 errors on the part of XXXX XXXX,  and are sending me a letter with the specifics in the meantime I have a delinquency on my credit report and my score dropped about 20 points which could change my interest rates in other credit cards.
Consumer complaint received 2018-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (FL)

I was reviewing my credit and noticed a 30 day past due in my sync/XXXX account number XXXX in XX/XX/2012, i am not sure why this happened, i believe that i had made my payments to you on time, my only thought is that my statement did not get to me on time.
Consumer complaint received 2018-12-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

NATIONSTAR IS ENGAGED IN SYSTEMATIC ILLEGAL ACTIVITY AND CONSUMER FRAUD. THEY HAVE CONFIRMED THIS LOAN WAS FRAUDULENT, THEY HAVE CONFIRMED ESCROW FRAUD HAS OCCURRED, AND INSTEAD OF HELPING, THEY ADDED THEIR OWN FRAUD WHICH WAS UPLOADED FOR PERMANENT PUBLIC RECORD AND FOR MY RETRIEVAL FOR THE LAWSUIT WE WILL BE FILING AGAINST INDIVIDUALS AND CORP ... .. WE HAVE CONFIRMED LOAN DISCLOSURE /ORIGINATION FRAUD, A COPY IS PROVIDED ) .WE HAVE CONFIRMED LOAN SERVICING/ ESCROW FRAUD. ( A  COPY IS PROIVIDED ). BOTH COPIES CAME FROM NATIONSTAR ... .THEY ARE FULLY AWARE AND VERY VERY COMFORTABLE WITH CRIME AND FRAUD ... .IN ADDITION, WHILE WE TRIED TO RESOLVE THIS, WE REQUESTED PMI INSURANCE/FEES BE REMOVED, ALSO OUR LEGAL RIGHT, AND THEY HAVE REFUSED TO DO THIS FOR WELL OVER A YEAR, COLLECTING PRINCIPAL WITHOUT PROPER CREDIT. WE ARE WELL OVER 50 % EQUITY AND STILL PAYTING PMI TO THESE DISHONEST SCUMBAGS. IN ADDITION, BECAUSE I UPLOADED EVIDENCE TO CFPB, THEY HAVE BLOCKED OUR EMAIL ADDRESS AND WE ARE BEING DISCRIMNATED AGAINST, UNABLE TO ASK ANY QUESTIONS VIA EMAIL, YET ANOTHER FORM OF ABUSE, PREDATORY LENDING AND FRAUD IN ADDITION TO VIOLATING BOTH OUR CONSUMER AND CIVIL RIGHTS
Consumer complaint received 2022-06-13
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2020-12-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (TX)

I noticed a new credit card appear on my credit report in XXXX with the title SYNC/PPC - after some research I found out it was Synchrony PayPal Credit Card that had been opened in XXXX. I did not open this card and so I called Synchrony to work with them as to a fraud claim. The information that was given was in my maiden name and at an address that I have not lived at in at least 15 years. I had no idea of the balance of the card or what it has been used for. The three credit bureaus removed it from my account and closed my dispute. On XX/XX/XXXX I received a letter from Synchrony Bank stating that they were unable to approve my fraud claim because : " You authorized, participated in, or benefited from the purchase. '' and " Payments have been made by you on this account. '' Neither of these statements from Synchrony are true. I have never authorized the use of a card that was fraudulently opened and I have never made any payments to an account I didn't know existed. I called Synchrony and they told me to get a Police Report and maybe they would re-open my claim.

I am extremely angry that Synchrony is holding me liable for {$3300.00} for an obvious case of identity theft and fraud. I have contacted the XXXX XXXX XXXX and will be filing a report but I also want Synchrony sanctioned as its obvious that they did not investigate the dispute properly and are now using my inquiry as to what this account was as an attempt to collect a debt not owed by me.
Consumer complaint received 2022-06-13
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. (FL)

In accordance with the fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CITIBANK, N.A. (TX)

I have 4 address on my credit report that I have never lived at on my credit report with XXXX.Also the companys that are reporting these address also have collection accounts in my name as well as the incorrect spelling of my name and the wrong names.I have reached out the these companys with no resolution.
Consumer complaint received 2018-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PRESTIGE FINANCIAL SERVICES INC (MI)

Prestige Financial Services is incorrectly reporting the balance owed on my account on all three credit reports. The actual balance as of XX/XX/18 was {$8000.00}. I make payments biweekly and this balance will go down every month. Prestige needs to accurately report the balance owed monthly! It says on my credit reports that the last time they updated the balance owed was XX/XX/2018 and left it at XXXX obviously this is false.
Consumer complaint received 2023-04-10
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. (GA)

How are you doing this is XXXX XXXX ; I sent out letters on XX/XX/2023 ; The letters went out to Experian, XXXX, XXXX. However, it's been more than 30 days and the credit bureaus failed to send my investigation break. This is not making any sense. 

According to the law 15 U.S. Code 1681i -Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX Account # XXXX ***** XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXt # XXXX
Consumer complaint received 2018-12-06
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. (FL)

The dispute process with XXXX began in XX/XX/2018. I sent a dispute letter certified with return receipt ( see attached ). XXXX  did not respond until XX/XX/2018 ( see attached letter ). This is unacceptable and a violation of consumer law. The response that was provided from them on the attached letter is a mere, arbitrary number that lacks veracity. In my request to them, I requested an agreement that stated their authority to collect on this alleged debt, date this alleged debt became payable, original delinquency date, as well as complete accounting of the alleged debt. XXXX failed to provide any of these. To date, they are currently reporting this entry on Transunion and it should not be reflected on my credit reports. My request is for this entry to be immediately DELETED from my credit reports and for Transunion to send a fully updated, current report to me that reflects this outcome.
Consumer complaint received 2023-04-10
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. (WA)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2018-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (TX)

On XX/XX/XXXX, I applied online for the Citi ThankYou Premier Card and was granted the account with a limit of {$6200.00}. I then received a social security verification from Citi saying my account was not actually approved, and they needed this paperwork back in the mail before approving and opening my account. However, Citi mailed me the card anyway. I called Citi and was confirmed by a representative that my account was not actually approved and there was a hold on my account until I returned this social security verification via mail ( they would not accept via email or fax ). I got frustrated with Citi 's communication and decided I did not want an account with their company. Therefore, I asked the representative what would happen if I did not mail back this form. I was then informed that this was a part of my application and if they did not receive this paperwork back, that my application would be canceled and would not be processed. I was assured that my account would not be opened and that after they do not receive this verification, that they would cancel my application. I received emails from Citi on XX/XX/XXXX and XX/XX/XXXX about online statements and activity on my account. I waited a few weeks to allow them time to realize I would not be sending it out and to cancel my account. I never used or spent this account. I called Citi on XX/XX/XXXX to understand why my account was showing open on my credit report as well as with Citi. I was then informed they still needed this social security verification anyway, and that my account was transferred to fraud department and investigations team. When asked to be transferred to them, they do not have a number. When I informed the rep the information the previous rep gave me about canceling my account, she confirmed that was not correct and to send in the paperwork so they could close my account. I told her I did not want my account closed, because I never opened one to begin with and I needed both Citi and the credit bureaus to show that I never had any account with Citi to begin with. She could not explain to me why I needed to confirm my SSN in order to cancel an application. She informed me that this paper was not part of my application, contrary to what I had been told by a previous rep. I was told that there was a freeze on my account for both me and Citi, and they can not make changes until they receive this paperwork in hard copy. I should not have to mail in a form with my SSN on it in order for Citi to cancel my account and application and remove it from my credit bureaus.
Consumer complaint received 2018-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One has reported an account delinquency on a paid off account. I owe no balance on the account since XX/XX/18. They originally ove rcredited the account giving me a surplus balance which was intended for another credit card, same company. Both numbers were listed on the check and both payment slips were included to correctly identify the amounts. 
On XX/XX/18 I realized they had made a mistake and called to have it corrected. The Capital One employee backed out the payment and once again credited the incorrect account. On XX/XX/18 I owed nothing in XXXX they reported a 30 day overdue payment for the original amount {$57.00} plus XXXX in interest. I have had this happen with Capital One over a 13 year relationship a number of times and so am currently calling in my payments separately for each account but they charge additional fees for that. 
On XX/XX/18, I called and they rectified and backdated the payment to reflect ALL 3 errors on the part of Capital One, and are sending me a letter with the specifics in the meantime I have a delinquency on my credit report and my score dropped about 20 points which could change my interest rates in other credit cards.
Consumer complaint received 2018-12-06
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. (GA)

I am a victim of the data breach in XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, IRS Data Retrieval Tool for FAFSA and I am very concern about the privacy of my information has been compromised and it is all over in the dark web, accounts had been open in my name. I was told to file a complaint, police report and ID theft report which are attached. I am requesting these information to be block from my credit report a in accordance with the FCRA.
Consumer complaint received 2018-12-06
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Ditech Financial LLC (DE)

Ditech provided a modified loan payment program ( attached ) starting in XX/XX/2017. The payment schedule is in the attached. I made all of these payments on time during that program and yet they showed my account late in every single month ... they even accelerated the delinquency all the way up to 90 days. I disputed this with the credit bureaus and they left the status and historical payment information the same. 

Section 623 of the Fair Credit Reporting Act provides that data furnishers ( Ditech ) have the same responsibilities under this law as credit bureaus. Ditech is reporting something they know to be incorrect by listing this delinquency during these months.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights . Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (NV)

CITI CARDS/CITIBANK Address XXXX XXXX XXXX XXXX XXXX SD XXXX Phone number ( XXXX ) XXXX I submitted application through XXXX XXXX and was advised that inquiry would be a soft inquiry ; however after checking my report through XXXX it shows as hard inquiry and point dropped as a result. I reached out to XXXX who advised me to reach out to XXXX XXXX who advise me to reach out to bank directly and no one was able to assist. 

Inquiry happened on XX/XX/2022
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Your credit reporting agency has been consistently providing inaccurate and incomplete account details to my credit file. I am deeply concerned about the presence of these inaccuracies within my credit profile. It appears that your reporting agency has not implemented effective procedures to ensure the highest level of accuracy in the credit information it reports. This lack of diligence may expose your agency to potential liability under 15 U.S.C. 1692g, specifically concerning the validation of debt. Additionally, referencing the legal precedent set in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), your reporting agency could be held accountable for engaging in false reporting. It is imperative to adhere to credit reporting laws, which mandate that bureaus only report credit information that is entirely accurate. 

1. 15 U.S Code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies XXXX XXXX XXXX Account Number : XXXX This Account is inaccurate and Im seeking litigation please delete at once.
Consumer complaint received 2022-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed account below is erroneous. I did not incur any late payments. Ive made every payment paid on time. You did not proofread the report and did not make sure it was 100 % correct. Here are the details : XXXX / {$9300.00} / XX/XX/2021
Consumer complaint received 2018-04-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Consumer Portfolio Services, Inc. (VA)

I got a car loan from Consumer Portfolio inXX/XX/XXXX at an interest rate of 16 % for 6 years. On XX/XX/XXXX I requested tow payments be extended at the back of the loan, but the company extended my loan untilXX/XX/XXXX, which is basically another year on the loan.

Also, I notice different dates that my interest rate goes up, or isn't applied to the loan but only the interest. I have had this car for 5 years and the loan has only went down XXXX. Which almost 19K went toward the interest.

Inquire as to the interest rate being applied in various amounts over the course of the loan and some months no interest was applied at all.

Inquire as to the XXXX that has been paid in interest.

Inquire as to why the amount applied to the principal is only around 5K over the course of 5 years.
Consumer complaint received 2017-09-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (IL)

We closed the house on XXXX XXXX 2017. Please find attached closing documents file. We were approved with 3.9 % conventional loan but up to the last moment and keep changing techniques by loan officer- final loan interest rate charge/set is 5.37 % which is out of range as per regulation Z at that time frame. They also charged bunch of fees unnecessarily.
I asked government agency to file a complain against this company and US bank ( Mortgage Services III, LLC NMLSR ID # XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ) and Usbank.com who accepted and servicing this loan.
Phone : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate discrimination and fraud for mortgage.
Please have them set our mortgage terms to 3.9 % and conditions and pay them damage cost and refund. If we refinance it will cost us extra {$5000.00} more.
We look forward for your help in this regard. You can asks our credit report to this officer and they can provides details about this loan.
We called US bank and other refinance agency/bank and they were surprised when we say this is a conventional mortgage rate we have. They said there is no way they can do this because regulation Z is prohibiting them to doing thisXXXX XXXX XXXX XXXX