davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

This company agreed to remove this account from my credit report when I opened a new account with them in XX/XX/2019. The new account is currently opened and has had excellent reporting since being opened but this charged off account is still reflecting on my credit report after they agreed to remove it.
Consumer complaint received 2022-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This complaint is to detail a long history of inaccuracies & violations to my consumer report. All XXXX consumer reporting bureaus have repeatedly reported false " verified '' info after numerous written and telephone correspondence. I have tried to clear this matter with the bureaus and their source for info being reported, ( XXXX  Department of Revenue, acct # XXXX ). Enclosed are copies of my most current consumer report which shows several reporting inaccuracies that the reporting agencies claimed were investigated and verified. Transunion has also gone so far as to report this SAME account TWICE on my consumer report ( see attached ). All XXXX agencies also have different reporting info. That's an unlawful violation. Due to the inaccurate reporting, violations, and unprofessional sloppiness, I ask that these accounts be permanently removed from my consumer report. 

Furthermore, in accordance with the Fair Credit Reporting act, XXXX XXXX XXXX acct # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2016-09-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ORG GC GP BUYER, LLC (NY)

My wages have been garnished for this since 2010 and my employer says it was paid as per court docket now 5 years later GCServices is trying to collect additional funds and will not send me proof of all payments and total collected my employer states in access of XXXX and my pay stubs prove it just want to know how these companies can recollect the debt all over and start with harassing phone calls for a debt I know is paid in full
Consumer complaint received 2016-12-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ORG GC GP BUYER, LLC (PA)

My loan is with a collection agency titled GC services. The only way the company will set my payments up is if I have XXXX references. They already have XXXX on file and I can not find another source who lives outside my home. There guidelines state you need XXXX outside the home so because I do n't have a third reference I can not start repayment.
Consumer complaint received 2022-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In Accordance 15 U.S code 1692 C. Communication in connection with debt collection with the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, debt collector may not communicate with a consumer in connection with the collection of any debt. At any unusual time or place known or which should be known to be inconvenient to the consumer. 
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
Consumer complaint received 2021-11-10
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

I have been patiently waiting on the EQUIFAX response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : 1. XXXX XXXX XXXX Inquiry Date XX/XX/2020 ; 2. XXXX XXXX XXXX Inquiry Date XX/XX/2020 ;
Consumer complaint received 2022-05-13
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: SYNCHRONY FINANCIAL (CA)

I was scammed by a person working for the XXXX 's XXXX XXXX  XXXX, who really wasn't, and he maxed out the card to over {$12000.00} before CareCredit froze the card, back in XX/XX/2020. This is what started a large amount of money owed by me to many companies besides CareCredit. This credit card allowed me to charge vet bills then pay off the next few months, if necessary. The debt is now down to {$9000.00} due to high payments and interests. the main bill goes down slowly due to the very high interest. Check out people to see if employed by the one he/she said.
Consumer complaint received 2020-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NV)

Around XX/XX/2020 my " Chime Bank '' checking account, which I later learned issues their debit card thru " The XXXX XXXX XXXX  suspended my account and filed a " Suspicious Activity Report ''. Under the SAR 's Act I am unable to withdraw ANY of my funds which total approximately {$4000.00}. 

ALL of my deposited funds were ethically and legally acquired thru my small business. The account is in my legal name. The Social Security Number and Date of Birth I provided were both 100 % accurate. 

This account was approximately 6 months old at the time of suspension or closure. I am not sure which action was taken. 

For the past 9 months I have done what I was instructed to do by Chime bank employees : I faxed them a copy of my Driver 's License. a copy of my Social Security Card, Utility Bills, and an explanation of how I earned these funds. I have spoken to at least a dozen employees and none are helpful. They have no information for me. 

I learned my account was frozen when at the grocery store and attempted to use my debit card. It no longer worked. Chime never initiated communication with me, nor have they ever emailed or called me about this issue. It is almost like they are trying to just steal my money or are hoping that I will just forget about it or give up trying to have what is legally mine. Well, I am a single woman with no job and a small XXXX based business which has suffered greatly because of the pandemic. I am also in very poor health and need access to my {$4300.00} immediately as I am about to be XXXX  since I can not pay my rent. 

I am demanding that Chime Bank or XXXX XXXX XXXX  or whoever has my money to issue me a check for the full amount immediately. 

Thank You CFPB. Your help in this matter is greatly appreciated. 

Respectfully, XXXX XXXX
Consumer complaint received 2019-03-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (PA)

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2018 and XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2020-12-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (PA)

I have lost out on a promised rate. We feel we were offered a rate which was not legitimate which caused us to choose Amerisave over two other companies because of there insistence it was a legitimate rate. When push came to shove and I made our rep say it was legitimate out loud, on an e-mail, we were immediately ghosted. 3 month went by without any progress and only contact when we pushed hard. Now, 1 month after we cut ties with them, they are doing hard pulls on our credit. 

These people cost us at least 3000.00 a year for 15 years by trying to scam us into doing business. And the appraisal fee. 

I intend to take any and all steps to stop this from happening to other people.
Consumer complaint received 2021-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (PA)

Comenity bank is harassing me multiple times a day for over a month by phone after I told them to stop. This had caused an incredible amounts of XXXX. It's abusive and has triggered my XXXX XXXX multiple times. I feel like they are XXXX  me and is a really bad business practice. My cellular carrier and I have records of all the incoming calls. I have blocked them and they keep on using different numbers including Restricted lines to bypass all my blocking efforts. It's abusive and making my life more difficult. I am XXXX and live on XXXX. Life during this pandemic is difficult enough for poor XXXX folks. This is making it impossible.
Consumer complaint received 2020-12-21
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. (TX)

Equifax has a disputed amount listed on my credit report as " 60-89 Days Past Due ''. The subject matter of this report is a fraudulent, unauthorized charge which is the basis of an ongoing dispute with XXXX XXXX XXXX. 

On XX/XX/2020 I filed a complaint with Equifax regarding this incorrect item on my credit report, asking that the status be changed from " 60-89 Days Past Due '' to " Disputed '' which is correct, and I believe required by statute in this case. I supplied details of the ongoing complaint and offered to immediately furnish any and all documents relating to it. 

Equifax has not changed the incorrect entry on the credit report. They have not requested the offered documentation. There has been no reponse of any kind to the complaint, and Equifax continues to carry this false charge on my credit report.
Consumer complaint received 2022-05-13
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (SC)

I received a letter from Nordstrom Credit services that an application was denied. The first name was mine but the last name was not. They used my social security number, birthday and home address.

I never applied for any Nordstrom Card or credit. I called Nordstrom they placed fraud on the inquiry. I also contacted XXXX and froze my credit report.
Consumer complaint received 2022-05-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (TX)

I found out my minor child have a credit with this company and i am requesting these items to be removed from my daughter profile and frozen and i want mailed proof of doing this first mistake they have her birthday as XX/XX/XXXX when my child birthday is XX/XX/XXXX which is she's only XXXX XXXX XXXX they have her same social security number as my minor child as well i am including my license the mother my child birth certificate as well WITH MY RECENT BILL
Consumer complaint received 2019-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

I am a single father trying to purchase a home for my family, I was denied because of negative items on my credit. I was able to see my credit and there is an fraudulent item that on my credit that i did not authorize. 

Account Name : XXXX XXXX XXXX  Balance owed : {$910.00} Account Name : XXXX XXXX Balanced Owed : {$910.00}
Consumer complaint received 2023-03-17
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Certus Capital, LLC (NY)

We are first-time homeowners. 
We used Certus Capital , LLC, a mortgage broker. 
Because this was done with a VA loan, it was very hard to find a place that would accept us. When we finally found a place, we contacted this man, who said that this process was very tedious and that he would walk us through it. Upon the first meeting, he informed us that in the worst-case scenario, our mortgage would be XXXX per month..again, worst-case scenario. 
We should have known he wasn't trustworthy when lied to us about the assessment. We were frustrated at the lack of response from the other party so we wanted to back out of the deal- but he told us that the assessment came back over XXXX what we were paying, he told us we really shouldn't let this property go. When we asked for the papers, he wasn't responsive and at that point, we were just so eager to move because we had to leave our other place. He led us to believe that our property was worth more, and we trusted him. After asking him for the assessment many times, he finally gave it to us begrudgingly, and the number he had told us was a lie. He got very angry with us, that he had made an honest mistake... but we were a few days away from closing. 
He told us that we would lose all of the money that we had put for the down payment and that it was too late to back out. We were afraid to lose our XXXX so we continued, although we were weary. 
Now our payments come in at $ XXXX. After the first bill, our mortgage bank changed. We were also just sent a letter saying that we owe money from an escrow account. We are struggling every month to make payments, we're afraid we might lose our new home. We feel that there were some unethical things that were done. Please help us. I think he charged us a bunch of hidden fees, we'd like for someone to please look it over. 
I appreciate your time.
Consumer complaint received 2019-09-19
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. (WI)

Spoke w XXXX XXXX XX/XX/19 XXXX XXXX cat at TransUnion. Refused to remove unauthorized inquiries from XXXX, XXXX XX/XX/19, XXXX XXXX XXXX.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I am writing to bring to your attention a concerning issue regarding my credit with your institution. Upon reviewing my records, I discovered several items that do not belong to me. This discovery leads me to believe that my identity may have been compromised. According to section 605b of the Fair Credit Reporting Act ( FCRA ), it is mandated by law that any items found to be opened due to identity theft must be promptly removed from my credit report. As such, I am formally requesting the removal of these erroneous items from my credit report. Furthermore, I want to emphasize the importance of your compliance with the FCRA regulations. If there is any possibility that these disputed items belong to me, I insist on receiving all documentation that bears my signature. According to my research, it is your responsibility to verify with 100 % accuracy that each item is true, accurate, correct, complete, and verifiable. I trust that you will handle this matter promptly and in accordance with the law. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX - XXXXXXXX XXXX XXXXXXXX Balance {$360.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance {$3400.00} XXXX XXXXXXXX XXXX XXXX Balance {$1100.00} XXXX, XXXX XXXX Balance : {$48.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-13
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: Experian Information Solutions Inc. (CA)

I have reached out to both the creditors and bureaus and neither has given me resolution .... in my search for resolution I came to realize that my rights had been violated by -XXXX  XXXX XXXX XXXX XXXX -XXXX  # XXXX in accordance to the Fair Credit Reporting Act... .these creditors violated the following 15USC 1681 section 602A states I have a right to privacy...

also 15USC 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instruction and/or consent these are clear violations
Consumer complaint received 2022-05-13
Product: Money transfer, virtual currency, or money service — Money order
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY (DC)

XX/XX/XXXX, I deposited a money order into Wells Fargo. I noticed I confirmed for {$100.00} instead of {$1000.00}. So I submitted a claim for the remaining balance. 

So about 2 days later, I saw a deposit reflected in my account but not liquid. So I called to inquire. After not understanding why the money order was still being held outside of the minor issue with me depositing it, I asked to speak with a manager. 

XXXX said Wells Fargo needed to ensure they would be able to collect on the funds. I was confused since CASH was ALREADY PAID FOR THE MONEY ORDER so officially, they've collected on the funds. 

He told me they would probably release the funds on the XXXX of XXXX. It's baffling to hear him give a date as to when the funds would be released. So it's not that you're investigating anything, you're just holding them just because. And if there was a reason, I am entitled to justification because it's my money. 

And because he could not offer that info to me, I told him goodday and I can tell he was upset. So IN ADDITION to me not being able to touch my OWN CASH and it being unreasonably held excessively, without them being able to prove a lengthier hold is reasonable, XXXX FREEZES my account. 

I went to SEVERAL WELLS FARGO ATMs that night and could not get any money. My last try was an XXXX & XXXX XXXX  and i was told their were insufficient funds while looking at the funds. 

So on my good Wednesday night, I am outside of a CLUB, ON THE PHONE WITH WELLS FARGO bc I also CAN NOT XXXX  my sister thr money I just had to borrow from her. 

At first, the rep didn't see the problem but after he dug deeper, he saw ut and said my account shouldn't have been frozen. I mentioned the overzealous manager I spoke with earlier, who answered EVERY different question with the ONE ANSWER. And that's " we can hold anything paper and we are holding your money order until we can collect on the funds, '' NO MATTER WHAT I ASKED. 

He apologized and said one has NOTHING to do with the other and he removed the freeze. This is DISGUSTING to say the least. AND he isn't at fault so his apology won't suffice. NOBODY shoukd have that much emotional REACH over someone elses money. I want my money and I want proper justification as to WHY it was held this long. This isn't even the THIRD TIME I've deposited the money order and if I haven't called about my hiccup, i don't feel they would've held it. This has to be illegal, ESPECIALLY what XXXX did. He does NOT have the legal authority to make the sole decision to freeze or hold my account, especially over a tantrum. I want him reprimanded. I spoke to him on XX/XX/XXXX, around XXXX. The calls are supposed to be recorded so it shouldn't be hard to verify.
Consumer complaint received 2020-12-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

The mortgage lender claimed that I did not have HOA insurance on my property which is not true. I have the official copy of the HOA insurance and tried repeatedly to provide the proof of insurance to the lender via website, email, and phone. 
Every time I talked to a customer service agent from the lender, they assured me that the information I provided was sufficient and the problem would be solved. However, the lender kept sending me the letter saying I did not have the insurance and threatened to charge me {$45000.00}. And the lender has already started to change me. 
I again tried to provide my proof of insurance to the lender. But they have not accepted it yet.
Consumer complaint received 2022-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act. The List of addresses below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S. C. 1681 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an 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 or crimes with antendates the report by more than seven years.

15 U.S.C. 1681 ( 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. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-13
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. (TX)

Ive written Equifax numerous times and received my credit file dated XX/XX/XXXX, confirmation # XXXX today stating that inquiries are factual. I have explained that the inquiries were not mine and they continue to promote and condone identity fraud. I have a security alert on my credit file because of this. The following inquiries are not mine and I want them deleted from my credit file : XXXX  XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX. XXXX XXXX inquiry date XX/XX/XXXX Equifax Mortgage inquiry date XX/XX/XXXX Equifax Mortgage inquiry date XX/XX/XXXX XXXX inquiry date XX/XX/XXXX XXXX  XXXX inquiry date XX/XX/XXXX XXXX XXXX inquiry date XX/XX/XXXX By the FCRA the consumer reporting agencies MUST report all information accurately and when requested, they must investigate all discrepancies. I did not authorize any one to check my credit file.