davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-13
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)

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 2017-01-15
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

Back in XXXX XXXX we applied for a refinance of our existing mortgage an interest rate of 4.73 %. The loan officer told us that we could get a lower rate if we refinance with my husband only on the mortgage since he had a higher credit score.The rate would be 3.50 %. We agreed. An appraisal was done on our home shortly after. It came in at {$220000.00} over the amount owed on our mortgage. At that point, the bank had all of our information and requested documents. They then requested a copy of my husband 's license. At that point everything slowed down. Three weeks after the appraisal was completed, the bank informed us that we needed to install a handrail going down to the basement before we could move further on our closing. We complied. Granted, the bank did not have a problem with not having hand rails when we purchased this home in XXXX and even threw in a credit line, which we did not need to close our loan at the time. They quickly took our {$120000.00} down payment. This is the same bank our current mortgage is with! A week later the bank again requested that we put handrails on the other side of the stairs. They were not clear about this. I had previously requested a copy of the appraisal. We called them and were told one would be sent to us immediately. We installed the second railing and had to have the inspector come out for the second time to reinspect. We again made a second request for a copy of the appraisal and were told that the appraisal is sent our right before closing. We had to request an extension on our rate lock because we were not going to close in time. The rate of 3.50 % was extended to XXXX XXXX, XXXX. The bank is now requesting a statement regarding my XXXX. They want to know If I can withdraw money and what the taxes and penalties are. Why? What business is it of theirs. I am told it is a bank procedure. I complied with their request. We were also told on Friday, XXXX XXXX, that the closing cost would be about {$8000.00} because they are not able to transfer my escrow account to the new mortgage. This right before closing. We were also told that we had to show where our money for closing is coming from. This is ridiculous. Both our checking account and savings is with this bank. We were planning to close on the XXXX of XXXX, but underwriters have to look at the XXXX withdrawal terms before and give their approval. Now we have to pay our existing mortgage again at the current interest rate of 6.25 %. It gets paid directly from our account tomorrow, the XXXX, ironically. 
We feel the bank has been dragging their feet on our loan application and most of all we feel we are being discriminated against. 
We are requesting your help in resolving this matter, We will not give in to their unfair practices.
Consumer complaint received 2023-01-11
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (AZ)

XX/XX/2022 for my graduation I was buying shoes from macys when the man at the counter told me I was getting a gift card from the store that I could use to pay for the shoes. I put it my information. A few months later, I realize it was actually a credit card as now I am getting calls from a collection agency??? My credit is shot as I am applying to law schools, I can not even buy my own apartment because of this.
Consumer complaint received 2020-10-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY (IL)

1. Effective XXXX, 2020, Wells Fargo Home Mortgage sold/transferred my home loan to XXXX XXXX XXXX - ( Documents 1 & 2 ) 2. XXXX XXXX XXXX didn't start reporting my account to the credit bureaus until XX/XX/2020. 

3. My XXXX  report reflects a good Fico score and a good payment history. ( Document 3 ). 

4. After XXXX XXXX XXXX started reporting to Equifax, on XX/XX/2020, my credit score dropped 60 points. ( Document 4 ). I still haven't heard back from XXXX.

5.. After XXXX XXXX XXXX started reporting to XXXX, XXXX XX/XX/2020, my credit score dropped 61 points. ( Document 5 ). No one at XXXX can explain to me why other than the Wells Fargo Home Mortgage was closed. 

I'm at my wits end! I have a 100 % pay on time pay history! These inaccuracies have severely affected me. I have tried to refinance my home to no avail and apply for a small business loan. 

The explanations for the changes in the XXXX  and XXXX credit scores do not make sense. The explanations provided do not equate to a 60 point drop. 

I need this matter investigated. Hopefully, you can get some answers.
Consumer complaint received 2018-07-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION (VA)

I have a NFCU auto loan that is not even 15 days past due. I get paid on the end of the month so I always pay the same month it is due. 
NFCU takes money form my checking or savings without my knowledge and applies it to this loan. 
Not only do they take any money that is in my account to apply it to partial payments, they charge me a late fee and overdraft fee 's after doing it. 

I tried to call and discuss this and was told it is a legal practice. I have a {$270.00} payment and they took {$37.00} out of my checking today which was the last amount that I wrote a check on the day previously so now I get a late fee and I also get bounced check fee 's because I did not know they were taking this out. 

thank you for looking into this. 

XXXX
Consumer complaint received 2021-04-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I HAVE 9 UNAUTHORIZED INQUIRIES ON MY TRANSUNION REPORT. I NOTICED THEM AND REACHED OUT TO THEM AND THE INQUIRIES ARE STILL THERE.

THIS IS THE LIST OF INQUIRIES : 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXXXX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2021-04-28
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)

Hello. i HAVE SENT A LETTER OVER A MONTH TO THE CREDIT BUREAUS ABOUT THE ACCOUNTS ONMY CREDIT REPORT. thEY SHOULD DELETE TO INACCURATE UNVERIFIABLE ACCOUNTS. THEY ARE IN VIOLATION.
Consumer complaint received 2018-07-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc. (FL)

In 2015 I went in to have some dental work done by XXXX XXXX. We began the process but was unable to finish because I moved to the state of Florida. Though we did not complete the process I was still charged in full. I was unaware until I received the bill from the collection agency that I still owed XXXX XXXX 's office. Despite not agreeing with the charge I still payed in full immediately.
Consumer complaint received 2021-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (PA)

i have contacted SYNCB/TJXDC and asked for validation of debt numerous times as well as challenged the reporting of this account ... each time it has come back verified ... how can this be verified if the reporting is all over the place ... btw XXXX deleted it because the could not verify this account and its time for the others to follow suit .... 

XXXX  is reporting {$1200.00} high credit limit XXXX is reporting {$0.00} high credit limit XXXX  is reporting {$0.00} credit limit XXXX  is reporting {$950.00} credit limit XXXX  is reporting XX/XX/XXXX as the date of last active XXXX is reporting XX/XX/XXXX as the date of last active -- -this account has been re aged look at the 2 year history ... none match and XXXX is reporting 150 day late XX/XX/XXXX and then 120 days late XX/XX/XXXX ... how is that even possible ... .these are all clear violations..i have attached a copy of the reporting
Consumer complaint received 2023-07-26
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. (FL)

I was a victim of identity theft. I had alerts on my credit reports. All credit reporting agencies, XXXX, Transunion, and XXXX were not allowed to give out my credit report information without first contacting me and me allowing and verifying that I auhtorized it. They are not doing it. I have Hard Inquiriess on all my Credit Reports and they will not remove them. They know they XXXX  up. Please make them remove all Hard Inquiries from my Credit reports. Thak you
Consumer complaint received 2020-04-28
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. (NC)

I have a car loan from XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX  reporting me 30 days late in XX/XX/2019. There was an error on their part. I was never 30 days late.
Consumer complaint received 2021-08-18
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. (CA)

I XXXX XXXX a natural living person never gave Transunion permission to report INACCURATE information on my consumers report define 15 USC 1681 B ( 2 ) its been 60 days since i sent them my affidavit of truth! an no response
Consumer complaint received 2020-11-16
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: Credit Plus Inc (FL)

On XX/XX/20 a company with the name of CREDIT PLUS has made a hard inquiry on my credit report/file. 

I do not know who this company is nor have I authorized them particularly to make an inquiry nor have I applied for any credit regarding this firm.
Consumer complaint received 2020-10-28
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. (NY)

XXXX, Transunion and XXXX have failed to respond to my disputes about accounts that are reporting on my credit report that does not belong. I WROTE THESE COMPANIES ON 3 DIFFERENT OCCASION. THEY ARE VIOLATING MY RIGHTS BY REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT
Consumer complaint received 2021-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: INVESTORS BANK (NY)

This bank doesnt get me or my concerns they have bad feedback when I give them I feel ignored why does their debit cars nit have tap pay go technology when many banks have already implemented this feature it is much nicer to have a card where you can tap their technology is old their behind with chip only insert with this pandemic they have to update their debit cards
Consumer complaint received 2023-01-11
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)

XXXX place has re aged an account they are reporting on my credit... .i have tried to challenge the 100 % accurate reporting between bureaus as required by law and each time they send a letter saying its validated ... ..i have attached proof of the re aging of this account... .there is no way that the bureaus have properly investigated this matter
Consumer complaint received 2018-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

Called Carrington Mortgage spoke to 2 managers sent DM on XXXX on XX/XX/18. Credit report shows missed XX/XX/2018 payment, payment was made on XX/XX/2018 not the first time reporting incorrect information, their process is to file dispute wait 30 days. This seems to be a reoccurring problem
Consumer complaint received 2023-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/XXXX XXXX credit card applications were were attempted to be opened in my name without my knowledge. I was able to block my credit report before the third was attempted on XX/XX/XXXX.
Consumer complaint received 2019-03-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: FIRST NATIONAL BANK OF OMAHA (TX)

This debt was discharged in bankruptcy, they filed a lawsuit illegally and did not notify me about it and obtained a default judgment. Neither myself nor my bankruptcy attorney was notified. 
In addition, the charges they disputed were from a stolen credit card for which a police report was filed.
Consumer complaint received 2022-08-13
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)

I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts listed below. I believe it was reporting in error. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$39000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$250000.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

On XX/XX/2022 I sent a letter to the credit reporting bureaus regarding inaccurate and unknown items on my credit. I have reasons to believe that my information was leaked, there are accounts on my credit report that are not mine. I made the credit reporting agencies aware of this issue, but it has not been resolved. I demand these accounts to be deleted immediately off my credit report because it it breaking the fair credit reporting act.
Consumer complaint received 2017-09-22
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. (KY)

Equifax failed to protect my data and the data of millions of others around the world. The one consolation for all was supposed to be a free TrustedId membership. I want to inquire as to why the technical issues with that site have not been fixed, and what the expected timeframe is for maintenance.
Consumer complaint received 2020-10-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (FL)

NATIONAL CREDIT SYSTEMS which is representing XXXX XXXX XXXX  has threatened me and my previous roommates about a debt from a rental agreement that was null and void due to non-action on a 7-Day Notice. Our apartment became infested with roaches, ants, and bedbugs and they would not let us out of the lease even after a month went by and 3 attempts by their on site pest guy. Then they were saying we ( the renters ) were responsible for the mitigation costs of a Reputable company to come and for the adjoining units. Not only did they break florida statutes that specifically mention the bugs above and that they can not waive our rights to being able to break the lease. When we cleaned the apartment and moved out and hired a lawyer they stopped bothering us but then suddenly they say we owe them for the entire rest of the lease and additional amounts they haphazardly added. I have documentation of the original contract that has " bugs '' written in the portion for issues with the unit before signing the lease because there was little XXXX when we did the walk through of the unit but they assured me that they covered pest control. They did not cover pest control and wanted me to be subject to their XXXX apartment that was {$1500.00} a month. This has damaged my perfect XXXX rental history and now I have trouble getting apartments. I have copies of the rental agreement with bugs on it, 7 day notices which mention the specific statutes in florida for renters rights, and I have email documents proving bites to my body and girlfriends body and the communication with them that went on for over a month with no remedy and yet expected funds without a livable situation. I retained a lawyer that had to provide me with a residence for a year because I could not move in anywhere due to their illigimate claims against me. I have proof and they do not. How can companies get away with damaging peoples credit without fair representation. I would like them to remove this false debt because they have no claim or warrant to it. I can also provide XXXX submission, complaint to Department of Agriculture and Consumers services, and XXXX review that has required the company to change names because no one would want to live in a bug infested apartment for that much money. Please help as this is not a legitimate debt because I was injured in this situation and now have negative credit rating because of it.
Consumer complaint received 2019-06-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC. (NJ)

XXXX XXXX XXXX on numerous occasions violated State laws, in relations to statutes of limitations on debt collection, by illegally garnishing my wages for debt which he knows is 20 years old, and has exceeded the statutes of limitations not only in the State of Michigan but in any state in the United States. 

On or about XX/XX/2019 XXXX XXXX XXXX knowingly and willingly made false statement and presented fabricated documentation to the State of Michigan XXXX XXXX XXXX XXXX XXXX in order to obtain a request and writ for garnishment ( periodic ) for a debt which he has been trying to collect for his client ( Midland Funding LLC as assignee of XXXX XXXX XXXX ( USA ) XXXX for the past 10 years. 

As of XX/XX/2019, XXXX XXXX XXXX through fraud, deceit and violating state laws on statutes of limitation on debt collection, has wrongfully collected a sum total of {$3500.00} in wage garnishments. Mr. XXXX deceptive and ruthless debt collection practices are an erosion to the laws and the judicial system at large. XXXX XXXX XXXX sued me in a stated in which I do not reside in.
Consumer complaint received 2022-08-13
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. (CA)

I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts listed below. I believe it was reporting in error. 
XXXX XXXX XXXX  XXXX Balance : {$39000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$250000.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2020-10-28
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Debt Recovery Solutions, LLC (GA)

I checked my XXXX  and XXXX credit report last week and noticed a " Alleged debt '' had been added by a collection agency by the name of " Debt Recovery Solutions '' I was never sent a dunning letter about this debt which is a clear violation of the Fair Credit Reporting act. I can affirm that I have never received a dunning letter about this alleged debt. I demand for them to remove this account from my XXXX credit report immediately.