davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-03
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. (OK)

Good Afternoon, I am struggling to get the credit bureaus to remove these hard inquiries from the XXXX XXXX XXXX company. My husband and I started the process of refinancing our house in late XXXX and it ended up taking more time than it should have. XXXX decided to run our credit over 6 times without our permission. I have been trying to get the credit bureaus to remove all duplicate non authorized inquiries off my record. They advised me to call XXXX XXXX and I did that I spoke with a XXXX today ( XX/XX/XXXX ) who told me I have to dispute them with the credit bureaus. So here I am needing assistance since they won't remove them. I need all 4 of these removed since they were not authorized by me these all duplicate inquiries they did without my permission and they can't provide any proof that I signed off on this. EQUIFAX MORTGAGE SER XX/XX/XXXX, EQUIFAX MORTGAGE SER XX/XX/XXXX, EQUIFAX MORTGAGE SER XX/XX/XXXX, EQUIFAX MORTGAGE SER XX/XX/XXXX,
Consumer complaint received 2016-01-27
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (CA)

I have my business and personal banking at Wells Fargo and have for 20+ years. I am in the process of refinancing my equity line on my $ XXXX house. I got approval, but they claimed my XXXX credit score was XXXX vs. the XXXX rating of XXXX which is a gap of XXXX. I have asked to understand the difference and see the report, but they decline. They state the only obligation they have is if my credit is declined. Given I was not declined they can state without any checks and balances what my credit score is and I have no recourse. This has caused for my equity rate to go from XXXX + 0.25 % to XXXX + 1.75 %. The only action he stated was to reprocess the application, but given I have no visibility to what they use as the basis for their underwriting and pricing, I am subject to whatever they decide to offer. This is not how lending is suppose to be under the Fair Credit Act. Please advise what recourse I have as this is not the way lending should be for a consumer. Moreover, this completely relegates or negates XXXX and the XXXX credit agencies as a basis of judgement for credit. Again, please advise my recourse and options available. Thank you, XXXX XXXX XXXX - XXXXXXXXXXXX
Consumer complaint received 2021-09-03
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. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : XXXX XXXX XXXX-Date of Inquiry XX/XX/2020 2020
Consumer complaint received 2021-09-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (GA)

At the time I was contacted about the debt by the collection agency, I told them that the balance is incorrect and that there is a court order for exactly what the balance is. I told them that I wanted them to look into so we can move forward. They said they only go by what is given to them and that the landlord is not cooperating with them any further for more information so they will continue to pursue the the amount that the landlord wants.
Consumer complaint received 2019-02-28
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. (WA)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2024-01-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (IA)

On Monday XXXX some random guy on XXXX I met wanted to purchase XXXX pair of XXXX from me for a XXXX dollars. I talk to that person over the phone so we can meet to do the exchange I sold him XXXX pair of XXXX and he said he will send my payment thru XXXX I gave him my phone number to send the XXXX payment I watch him pull out his phone and send me the payment then we both went out separate ways after the transaction my funds didnt come available in my account until Wednesday XXXX now today which is XXXX my bank which is Navy Federal Credit Union is closing my account because the XXXX dollar XXXX payment I received for my XXXX  are being reported as fraud transaction why is my account being close because of someone reported that transaction as fraud which had nothing to do with me all I did was sell a guy some XXXX  and received a payment
Consumer complaint received 2022-03-03
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)

I have two accounts with XXXX XXXX that were both charged off as of XX/XX/XXXX. Now this company has said these have been charged off again starting XX/XX/XXXX. At this time this data in inaccurate for I do not believe they are able to charge them off twice. They have changed this information on my credit report and now it will not pull correctly on credit reporting sites.
Consumer complaint received 2019-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2022-09-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Credit Network Inc (TX)

Date Assigned XXXX XXXX, XXXX Account Number open Fin Cr Netwk Original Amount Owed {$150.00} that I owe. 

I have never signed any written document saying that I owe this debt to the collector. they are violating my right of the FCRA as a consumer. I do not know who they are and have not written consent from my end. also, they have not verified that I owe this debt to this alleged company. Please have this removed from all three credit bureaus. 

XXXX XXXX
Consumer complaint received 2022-03-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (CA)

My credit report shows a collection account with a company that I have never done business with. A collections company has reported this debt which recently hit my credit report and has negatively affected my credit score. Apparently someone used my name and social security number to open a XXXX XXXX account with an address in a different state. The collections company only has my name and social security number but the incorrect address. I have never received any information from the collections company, only found out about the situation from monitoring my credit score and viewing my credit report where the collections information is available. I never opened a XXXX XXXX account nor lived in the state that was used fraudulently in this case.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

As XX/XX/24 I noticed that Experian has allowed false information on my credit file, violating FTC Section 807, associated with a closed XXXX XXXX Account ending in XXXX for {$13.00} & or {$13.00}.
Consumer complaint received 2019-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE DISPUTED THIS ACCOUNT ( IDEAL COLLECTION SERVICE OPENED XX/XX/2018 ) WITH THIS BUREAU TIME AFTER TIME FOR THE LAST 3 MONTHS. I HAVE NOT RECEIVED ANY PROOF BACK OR ANY TYPE OF RESULTS. THIS ACCOUNT DOES NOT BELONG TO ME AND I DID NOT AUTHORIZE ANYONE TO OPEN THIS ACCOUNT. THE BUREU OS NOT COOPERATING WITH ME AND THIS ACCOUNT IS HINDERING ME FROM OBTAINING ANY FURTHER CREDIT.
Consumer complaint received 2017-06-19
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: EQUIFAX, INC. (MI)

i contacted the three credit report agencys. equafax, XXXX, and XXXX concerning the inquires that are on my credit report. 6 months ago I contacted them with a letter asking for them to be removed as they are not mine and they are not associated with anything I own or have ever owned. I then received letter back from all three that were just computer generated saying they have investigated and they belong there. I sent them out letter again stating these were not mine and asked them to provide proof they have these inquires are mine and I approved someone to run my credit.. during this time of the second letter I froze my account through some agencys and am trying to make sure nobody is accessing my credit again. I received the same generated email from all three companies stating the same thing but did not provide me with any documentation that they received proof these items are mine and I approved anyone to run my credit. I reached out to several of the companys that are listed as inquires and have never gotten a response back or anything letting me know who would give permission to run my credit.
Consumer complaint received 2021-11-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (FL)

The account has been reinserted onto my credit report after previously being deleted under a previous company XXXX with a report date of XX/XX/2021 in the amount of {$770.00}. This is a request as authorized by the FCRA. In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions.
Consumer complaint received 2017-06-19
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. (VA)

The credit bureau is reporting an address and phone number on my credit report that are not mine. I have never lived at " XXXX XXXX XXXX XXXX, XXXX, VA XXXX ''. Also, my phone number has never been XXXX. This information is inaccurate and needs to be removed from my credit report. I do not want someone who checks my credit in the future to associate me with this address or phone number that I have never used before.
Consumer complaint received 2017-06-19
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: Experian Information Solutions Inc. (LA)

I put an fraud alert on all  XXXX  credit reporting agencies because I did n't authorize any of the following inquiries. I sent letters to the credit agencies and also the company in which inquiries where pulled from and they still remain on my credit report.             XXXX   :  XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  (  XXXX  )  XXXX  Inquiry Type : Individual Requested On :  XXXX / XXXX / XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  (  XXXX  )  XXXX  Inquiry Type : Individual Requested On :  XXXX / XXXX / XXXX    XXXX    XXXX  BANK  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  (  XXXX  )  XXXX  Inquiry Type : Individual Requested On :  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  Inquiry Type : Individual Requested On :  XXXX / XXXX / XXXX
Consumer complaint received 2021-09-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (FL)

1. ) BACK IN XX/XX/XXXX WHEN I STARTED MY FIRST PAYMENTS WITH CROSS COUNTRY MORTGAGE I BEGAN ADVANCE PAYING AHEAD 3-4 MONTHS AND MY MONTHLY STATEMENTS NEVER REFLECTED THOSE PAYMENTS. I CALLED TWO MONTHS IN A ROW AND SENT A CERT LETTER COMPLAING ABOUT NOT HAVING PROPER ACCOUNTING. THEN FINALLY GET THE STATEMENT dated XX/XX/XXXXSHOWING THE CORRECTIONS for advanced payments thru XX/XX/XXXX., BUT NOW RECEIVED A LETTER DATED XX/XX/XXXX SAYING THEY NEED AN ADDITIONAL 15 DAyS TO RESOLVE THESE ISSUES. they just demonstrate they dont know what they are doing 2. ) THEN ON XX/XX/XXXX I GET NOTICE THAT BECAUSE OF THE SIGNIFICANT INCREASE IN MY HOME OWNERS INS. THE ARE REQUIRING AN ESCROW INCREASING MY MO.MORTGAGE FROM {$2500.00} TO $ XXXX..COMPLETELY IGORING MY CONTRCT SPECIFIES NO ESCROW FOR TAXES OR INS...

THEIR PROJECTION FOR MY INS. INCREASE IS EVEN FALSE, SHOWING COST TO GO FROM {$2000.00} TO {$2600.00}. THE FACT IS MY INS WENT DOWN TO XXXX.. EITHER THIS MORTGAGE CO IS TOTLLY INEPT OR THEY ARE UNEHICAL..
Consumer complaint received 2021-09-03
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: Santander Consumer USA Holdings Inc. (GA)

I reviewed my credit report. I have an auto loan reporting from Santander a loan I never opened nor applied for. The applicant apparently lives at an address I also have never lived at. I sent this information to all the credit reporting agencies that are reporting this incorrect information so as to have it removed. I also notified the lender in question that the loan being reported on my credit report is not mine as I have never applied for a loan with Santander nor purchased a vehicle from the dealer of record.
Consumer complaint received 2018-02-01
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: Eagle Home Mortgage, LLC (TX)

Hi, As part of the purchase process with my new construction home - the builder XXXX require you to have a credit check with their lender, Eagle Home Mortgage in XX/XX/XXXX. 

The house is still under construction and is not scheduled to be complete until XX/XX/XXXX. I have not decided which lender I am expecting to use and was planning on shopping for rates at a date closer to closing. 

This morning at XXXX I received an email from XXXX XXXX a Loan officer at XXXX XXXX. 

" XXXX XXXX, Your credit report is expired and invalid. Credit reports are good for 120 days. This is notification that our Processing Department is updating your credit report for your XX/XX/XXXX closing with XXXX. 

XXXX XXXX Senior Loan Officer NMLS # XXXX '' I responded at XXXX as below. 

" XXXX please do not pull my credit report. 

I do not give you permission at this point. 

Thanks, XXXX XXXX '' I then received this response " Greetings, I called immediately to halt this action but the report had already been pulled by processing. Your credit scores are still very good and this will have no negative affect on your loan approval here or at any other lender. My apologies this was not run by you first. 

XXXX XXXX Senior Loan Officer NMLS # XXXX '' I did not give this Lender permission to pull my credit report and I am extremely upset with the assumption that they assumed they could pull this. 

This is the reason I am filing this complaint. 

XXXX
Consumer complaint received 2017-06-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (GA)

On XXXX XXXX 2016 I saw a company calling themselves Enhanced Recovery Company come up on my credit report. They say I owe them {$420.00}. I received a phone call from them asking me if I wanted to pay to delete this off of my report. I told them this was not my debt. It 's been a year and it is still on my report messing up my credit score.
Consumer complaint received 2021-09-03
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 am XXXX I`m a victim of Identity theft. I have provided proof of my ID, Identity theft report from the Federal Trade Commission and a notarized Identity theft Affidavit proving it is in Fact me that submitted this report. And a letter citing all the fraudulent accounts on my credit report. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.
Consumer complaint received 2021-09-03
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (PA)

Synchrony closed my XXXX XXXX XXXX credit card in XXXX of last year and I have regularly made my payments, they are still reporting the activity on the card as if it was open. I had a promotional plan honestly I forgot about but they had lowered the amount available on the card enough so that when the promotional plan expired it showed a XXXX available on the account they then reported this to the credit bureau and my credit score was lowered 13 points because of it.
Consumer complaint received 2017-05-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (NC)

I completed and submitted the package for refinancing my home. This package was completed and submitted in  XXXX  '  XXXX . This package was submitted and received by OCWEN in  XXXX  '  XXXX .     As of this date  XXXX   XXXX ,  XXXX , OCWEN has used the ploy of asking for additional information. Like water from a dripping faucet, they ask one question, you answer that question. Then they ask another question. Now that we have been through every document, OCWEN is saying that they have not received documents.     I am working with/thru  XXXX , who keeps a file of all that I submit. OCWEN has complete access to the  XXXX  files. Currently, they say that they do not have access to the  XXXX  files. Therefore, all submissions go to  XXXX  an d OCWEN. OCWEN contin ues to say that they have not received documents I have sent.       DO NOT SEND MY DOCUMENTS TO OCWEN!!
Consumer complaint received 2017-06-19
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. (CA)

My student loans were rehabilitated and as promised defaults were going to be removed from my credit report. The student loans were sold to another company, the company that previously owned the loans still reports the student loans in a negative status, and the negative status should be completely removed from my credit report.
Consumer complaint received 2021-09-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (FL)

To whom it may concern, I opened a checking & savings account with Citibank on XX/XX/21. I wire transferred {$200000.00} from my other bank to my new Citibank checking account. Last night on XX/XX/21 I could not log into my accounts to check if the wire transfer cleared. This morning on XX/XX/21 I called Citi & they told me they closed my account. They did not specify a reason. They said they would issue me a refund check in 30 to 60 days. I do not think it is right for Citibank to hold my money for so long. I in good faith deposited my money into their bank & this is how they treat me. They get to play around with my money for 2 months if they choose to.
Consumer complaint received 2018-02-01
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NC)

Synchrony Financial/XXXX XXXX XXXX I have never made any late payments and paid card off within month of usage. Tonight I reviewed account to ensure no unauthorized charges had been made as I am a part of the XXXX Security Breach.. My account had been closed XXXX balance XXXX credit limit.. 
I called the company for an explanation and was advised an automated system pulled account and I was a possible risk.. 
I am filing this complaint to expose Synchrony Financials of their unfair credit practices. This act has created a drop in score and its punishing me for paying off and keeping credit line in tact.. Now this bank has dicided to close my account for being a good customer?? Im confused.. how can I be a Risk..
Consumer complaint received 2017-06-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (FL)

A company called IC System has just reported that I owe them {$980.00} on my credit with account number " XXXX ''. I responded to a notice I received from them on XXXX XXXX asking for an explanation for what this money was for but I have not received a response. I am attaching a copy of the letter I mailed to IC System. I requested more information on XXXX/XXXX/2017 and instead of responding, they chose to report this debt on my credit! This company has not provided me an explanation as to why they are charging me this money. This is not the only problem. Another company called " XXXX XXXX '' is also reporting this same account on my credit report! They have a different account number of " XXXX '' but the money they are asking for is {$980.00}. Is n't it illegal for two collection companies to try and collect on the same debt at the same time? I do n't know what this debt is for!