davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-16
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: NAVY FEDERAL CREDIT UNION (TX)

i have these unknown inquires I wish to have them removed, I have sent letter to XXXX, I have reached out to the creditor that made the inquiry still no help.
Consumer complaint received 2019-10-16
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: DISCOVER BANK (MI)

XXXX XXXX XXXX XX/XX/XXXX credit card inquiry Discover bank XX/XX/XXXX credit card inquiry XXXX XX/XX/XXXX credit card inquiry These transactions were not done by me and I need them removed from my credit report.
Consumer complaint received 2019-10-16
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

Equifax did not resolve a dispute that was submitted in XXXX of 2019. My credit score with Equifax dropped over 30 points in less than a month without any derogatory information reported. My credit balances decreased within this time and all payments were on time. Equifax can not explain why my score dropped so drastically without any negative items being reported.
Consumer complaint received 2019-10-16
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: NAVY FEDERAL CREDIT UNION (GA)

I reviewed my XXXX credit report and I totally shocked that XXXX   reinserted fraudulent accounts on my credit report from 2-4 years ago. XXXX has violated my rights and I have filed a complaint with Attorney General office, XXXX XXXX   XXXX and Consumer Financial Protection Bureau. I am requesting for XXXX to delete and block these fraudulent accounts immediately : 1. NAVY FEDERAL CU | XXXXXXXXXXXXXXXXX Balance : {$5200.00} 2. NAVY FEDERAL CU | XXXXXXXXXXXXXXXXX Balance : {$1100.00} 3. XXXX XXXX | XXXX Balance : {$1600.00} 4. XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX did not notify me within five business days before placing these old fraudulent accounts back on my credit report. XXXX has violated my rights and I will be consulting with a consumer attorney sue XXXX for its negligence.
Consumer complaint received 2019-10-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (WA)

In XX/XX/XXXX my contract was sold to Shellpoint Mortgage. My contract specifically states that I am to pay my own homeowners insurance. Shellpoint/NewRez took it upon themselves to pay the insurance in XX/XX/XXXX for {$560.00} after I had made my payment to XXXX XXXX for {$120.00}. XXXX returned my payment to me. I contacted them to find out to my surprise that Shellpoint/NewRez had already payed them.I informed them that Shellpoint/NewRez was not suppose to do that because my contract states I pay my own premiums. For 8 months my mortgage amount did not change so in XX/XX/XXXX I re-embursed Shellpoint/NewRez the {$560.00} thinking that this would correct the problem. It didn, t. It made it worse. In XXXX of XXXX Shellpoint/NewRez raised my payments to {$800.00} a month from {$670.00}. I contacted them and asked why they did not credit my account with the {$560.00} payment I made back in XX/XX/XXXX. I was told they didn, t know. I then asked them why they paid my insurance they told me that they can.The rep told me that she was looking at a document that said that my insurance was in escrow.So I asked her to send me a copy of it and she then told me that I couldn, t request a copy and then hung up. I was not given credit for the {$560.00} that I sent them untill XX/XX/XXXX. It took them two and a half months to finally credit the payment. In XXXX of XXXX I received notice from XXXX XXXX that my premiums were due. I paid them on XX/XX/XXXX in full {$580.00}. To my surprise on XX/XX/XXXX Shellpoint/NewRez paid the premiums again. They then started to come after me for it and took my mortgage payments and applied them toward the insurance premiums putting me in default. I contacted them by phone and by mail to get this corrected and they put me in pre-forclosure. They now say that I am a month behind on my payments. They also raised my payments to {$970.00} a month now. They hit me with late fees that I should not be hit with because this was clearly their mistake. When a company purchases your contract aren, t they suppose to abide by the terms and conditions of the contract? They say they don, t have to because the Deed of trust says that they can do this. So then why do we even sign contracts anyway if they don, t abide by it. This is a problem that they refuse to correct.My payment should only be according to my contract {$670.00}. They now say that my payments are suppose to be {$720.00}. I don, t know if you can do anything about this I would really appreciate it. Thank You!
Consumer complaint received 2022-10-11
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: Experian Information Solutions Inc. (FL)

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 need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2015-06-02
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo acting as the Servicer of this Mortgage has failed to meet all of its requirements under XXXX and is attempting to illegally foreclose on our personal home by selling it at auction on XXXX XXXX, 2015. The direct violation of XXXX law is based on Wells Fargo improperly and unfairly reviewing our loan modification request for relief. We have submitted a complete loan modification direct via fax and have been forced to resubmit the same package several times. In addition, Wells Fargo has repeatedly denied us help several times we never get a single person to answer our questions honestly or directly. They always have hundreds of people pass off our file amongst each other just to create motions and delays. We intend to keep our and we meet all eligibility criteria. They have never offered any help or relief and continue to threaten to take our home. Wells Fargo Mortgage illegally commenced and is conducting a foreclosure while reviewing and attempting to find work out relief options for us. They have mishandled documents and our file several times and failed to properly communicate with us. They have clearly violated XXXX specifically under the ''dual tracking '' clause. Wells Fargo instructed and allowed the Foreclosure Trustee named XXXX XXXX XXXX to illegally start foreclosure on my property. The Wells Fargo and Know Your Options website gave the result that we are eligible for a loan modification with a lower payment to save our property. So there is no reason why Wells Fargo should have denied our request or started foreclosure on our home.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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 2019-10-16
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 have these unknown inquires I wish to have them removed, I have sent letter to Transunion, I have reached out to the creditor that made the inquiry still no help.
Consumer complaint received 2019-10-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SUNTRUST BANKS, INC. (MD)

I opened an account with SunTrust on XX/XX/2019. I made an opening deposit of {$50.00} shortly after opening the account. I deposit my employer paycheck of {$1100.00} on XX/XX/XXXX. 

The next day ( XX/XX/XXXX ), I was notified that a hold was placed on the paycheck for 10 days, and funds would be available on XX/XX/2019 by XXXX ET. The reason for the hold was " confidential information that the check may not be paid. '' The next week, I received my debit card and new account information by mail. 

When XX/XX/XXXX came, I called SunTrust Customer Service, and a CSR told me that my account was under review and couldn't give me further information over the phone. I went to the XXXX XXXX, MD branch and spoke with a banker the same day. She informed me that my account was actually going to be closed, " per the rules and regulations. '' When I said that I did not receive any notification of this, she said " well, we don't have to notify you. '' I took my complaints to social media, and a representative from SunTrust Bank 's social media team contacted me. He said that my account was " under review and will be closed ''. He also said that closure " takes 5-7 business days with no activity, then another 5-7 business days for the account to be closed, then another 7-10 business days for the funds to be returned to you via US Mail. '' It may be until XXXX before I get my money back, nearly {$1200.00} that I deposited in good faith.
Consumer complaint received 2019-10-16
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. (TX)

I HAVE ROPTED TO FTC, I HAVE WRITTEN XXXX  WHICH MAKES SO MANY MISTAKE TO HURT CONSUMERS, AND WRITTEN CREDITOR ABOUT THE INQUIRY
Consumer complaint received 2019-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (SC)

This complaint is regarding Equifax. Because of their breach I was forced to freeze my credit with them as well as XXXX  and XXXX. I signed up with accounts, passwords and PIN numbers which were issued by said companies. Over the past several years I have temporarily lifted the freeze so credit could be pulled. I have had no problems whatsoever with XXXX or XXXX. Their computer systems work beautifully but to date Equifax has been a nightmare. Today I needed to lift the freeze so a local oil company could pull credit. As always I go the " system is temporarily down '' notice so I called the toll free number. One question asked what my payment amount was. A single payment loan does not have payments therefore I answered to what I thought was appropriate. Now my credit is blocked until I send personal information through the XXXX mail or fax ... .ie, copy of DL and copy of social security card. I called Equifax and tried to deal with person who spoke broken XXXX to no avail. 

I can not believe that a company which caused the computer breach that effected millions of people 's credit does not have a computer system that will accommodate consumers. Nor can I believe that through no fault of my own I am now relegated to sending personal documents through the mail which could be another disaster. Equifax has gone from allowing their computer system to be hacked to not having an operational system at all. To compound the problem they employ non English speaking individuals. 

I can not believe that a US company is allowed to operate under these conditions. I am sorely disappointed in this company and unfortunately I can not op out of dealing with them.
Consumer complaint received 2019-10-16
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: JPMORGAN CHASE & CO. (GA)

I reported credit card transactions on a chase credit card of mine as fraudulent charges to chase credit card company. 
I see merchants listed for those transactions I reported, are some shape of business that sells merchandise and provide services, however I have not had any business with those merchants and have not received any merchandise or services from them. 
It seems that my chase credit card had been illegally charged by listed merchants that acted as money launderers that worked with an unlicensed online casino that I had used in the past. 
Chase credit company came to a conclusion after an investigation that I am responsible for all transactions I reported as fraudulent transaction.
Consumer complaint received 2022-03-21
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. (PA)

I recently checked my credit report and I see that my score went down because of a collection account that was reinserted. This account has not been properly verified and was apart of identity theft that was previously removed. It now has a new account name and number but the amount of the debt is the same. This account was opened fraudulently. I did not received notice that this account was being reinserted according to FCRA 15 U.S. Code 1681i ( B ) ( i ) this account has not been verified as accurate to even be reinserted nor did I get correspondence that this account has been reinserted according to FCRA 15 U.S. Code 1681i ( B ) ( ii ). Delete this account immediately. You are violating several of my Consumer rights and I intent to sue for damages, which can be fined up to 1000 per violation. The negligence on your end has cost me tremendously for all the inaccuracies you have been reporting including my credit score dropping due to inaccurate information being reported on your behalf. Remove this account immediately.
Consumer complaint received 2021-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AL)

I have several inquiries on my credit which I don't recognize. I have recently been working diligently to improve my credit and came upon unknown inquiries as well as fraudulent accounts. I have successfully achieved the removal of the fraudulent accounts but the credit bureaus have not been very cooperative with the removal of the inquiries. 
XX/XX/XXXXand Equifax all list the following inquiries which I am not responsible for : US SM BUS ADMIN ODA ( Federal Government ) Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX ( Local Telephone Svcs Provider ) Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX ( Local Telephone Svcs Provider ) Inquiry Date : XX/XX/XXXX XXXX ( Farm & Garden Supplies and Svcs ) Inquiry Date : XX/XX/XXXXXX/XX/XXXX ( Bank Credit Cards ) Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards ) Inquiry Date : XX/XX/XXXX XXXX XXXX XX/XX/XXXX( Services ) Inquiry Date : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( Miscellaneous ) Inquiry Date : XX/XX/XXXX XXXX XXXX ( Bank ) Inquiry Date : XX/XX/XXXX XXXX XXXX ( Bank ) Inquiry Date : XX/XX/XXXX XXXX ( Finance ) Inquiry Date : XX/XX/XXXX
Consumer complaint received 2022-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

On Saturday, XX/XX/XXXX at XXXX, I received an alert from XXXX that a hard inquiry was added to my credit report from USAA bank in Texas XXXX Additionally, an additional address was added to my personal information, which does not belong to me. I immediately set up a freeze to my credit and additional security alerts. 

On Monday, XX/XX/XXXX, at XXXX, I contacted the XXXX credit bureau to dispute this hit to my report. Additionally, I contacted USAA 's fraud department and reported that this was not me. I also filed a police report with XXXX XXXX, Virginia, where I reside. 

While I do not believe anything has been set up in my name so far, I believe that this was an identity theft or fraud attempt.
Consumer complaint received 2019-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion Credit reporting is still showing a derogatory remark account of {$200.00} that was paid on XX/XX/XXXX, on my XXXX XXXX app. XXXX has dropped the account in the same XXXX XXXX report. 
The account which was opened XX/XX/XXXX was for physical therapy I received for a XXXX XXXX injury. XXXX  shouldve paid it, but due to transient management and intransigent staff at XXXX, they didnt pay it. I received a settlement when I filed a grievance over my treatment during the time I had the injury and received a settlement in spring of XXXX from which I paid the bill myself.
Consumer complaint received 2022-03-21
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. (NY)

Equifax did not fix the problem and Equifax is reporting inaccurate information on my credit report. This XXXX XXXX  XXXX account is not mines and needs to be deleted of my credit report.
Consumer complaint received 2022-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the XXXX XXXX compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to XXXX XXXX compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2019-10-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (FL)

We have paid our mortgage payments on XX/XX/2019and on XX/XX/2019 and have not had them applied. Our accounts shows that we currently have a balance to pay for those two months, but we have proof that we have paid them. I also wanted to make sure we were not being charged interest for the amount that has been paid. I contacted the lender several times and they say its a computer issue affecting many others and should be fixed shortly. But it has been over two months already and it has not been fixed.
Consumer complaint received 2019-10-16
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I wrote and had notarized a signed letter and sent it via certified mail through the USPS to Experian. The letter was received by Experian on XX/XX/2019. 
The letter requested the physical verification of creditors and the information be sent to me of their legal ability to collect a debt and/or physical proof sent to me verifying these debts so that they may be removed from my credit report or remain listed. None of these unverifiable accounts were deleted and remain on my credit report. After further review, there are a total of 2 accounts now listed on my credit report that can not be verified as belonging to me.

The letter also requested incorrect addresses be deleted, the requested revisions were performed but on further review I have now found one more incorrect addresses that needs to be deleted. 
The letter also requested verification of several hard inquiries and the physical proof of applying for credit be sent to me. I have not received verification of application for credit nor have I seen these unauthorized inquiries deleted off my credit report pursuant to section 604 of the FCRA. 
The letter also requested my personal information cease being sold to marketers by placing a Promotional Suppression on my personal information. I have not received written notice that they are in compliance with my request. 
To date I have not received physical validation of a debt or application of credit from the credit bureau pursuant to the FCRA. Experian, did however email me a link to view my updated credit report with some of the wrong addresses being removed as well as a physical copy of my report dated XX/XX/19.