davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

RE : XXXX # XXXX My mortgage loan is with Fifth Third Bank. I've been making extra monthly payments XXXX curtailments XXXX of {$450.00} that is automatically withdrawn from my checking account ending in XXXX. My checking account is also with Fifth Third Bank. Fifth Third withdrew {$450.00} from my checking account on XX/XX/21, credited my mortgage account but then reversed the transaction. Regardless of the reason for the reversal, the funds have never been credited back to my checking account.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. Im not sure why you have included the following student loan information on my credit report. These inaccurate items are not only inaccurate, but they are also preventing me from purchasing a home due to it showing me in a negative capacity. From what I understand, the following items below should all be reporting across all 3 Bureaus the same. Well, theyre not, and from what I understand its an FCRA Violation, and it allows me to ask for these items to be updated. So, please update these accounts due to the inaccuracies that are being reported.
Consumer complaint received 2021-09-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nationwide Recovery Systems, Ltd (GA)

I believe that I am a victim of identity theft. Due to the CoronaVirus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple Equifax Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I did. I did not receive an actual proof, physical firsthand documentation of the payment history and proof of last payment and these violations persist on my credit report. I just had to escalate to CFPB.
Consumer complaint received 2021-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Source Receivables Management LLC (TX)

On the XXXX of XXXX, XXXX I bought a phone and a line from XXXX XXXX, the term of purchase was that I can return the phone within 30 days. The nature of my job is delivery of goods and services and one major reason I bought the phone was ro help me navigate the road with the GPS but this phone was a total failure and disappointment as it could not perform my intended need. 
I returned the phone on XX/XX/XXXX which was within the 30 days of agreement and i paid the return fee of {$45.00} and i have the receipt with me and this was settled but this XX/XX/XXXX, I got a call from Source RM alleging that I am owing XXXX XXXX on the same phone that I have returned and paid return fee on. 
I had called XXXX XXXX about this and was told that i have returned the phone and that i do not owe any money. 
Please Source RM has reported me to the Credit bureau and this has destroyed my credit rating and i am going through a lot of untold inconveniences from Source RM. Please help me as i have all hardcopy and soft copy receipts. Thank you.
Consumer complaint received 2019-02-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SOUTHWEST COLLECTION SERVICES INC. (CA)

I am adding more documentation to a current complaint. The attached document further details line by line the payments I made to the center for children that was never credited to the ledger. Further, there are payments noted, however not recorded. The ledger attached has my payments, the billings and then the total amount the attorney billed me in full which was {$3000.00} on page 10 of the attached XXXX XXXX document billing statement. I paid that in full based on my payments that were recorded. The billing statement is vague, ambiguous and there is nothing to show for the billing 's validity. It is just a bill with nothing to prove it is legitemate. Further, I paid my portion of the billed debt. Lastly, there is a court action that dismissed this attorney on XX/XX/14. There was no valid or legal billings allowed after that date. 
This debt was purchased by Southwest Collections and is a third party debt. It is illegal and action needs to be taken to get it off my credit report immediately.
Consumer complaint received 2020-10-23
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 (CA)

There is multiple business credit card inquiries on my credit report. 

I only applied for a XXXX XXXX XXXX XXXX on XX/XX/2020 and now there is inquires from other Banks.
Consumer complaint received 2019-02-23
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. (NV)

In XX/XX/2017 my vehicle was reprocessed after only 30 days of delinquency. However my chief complaint is that I was never notified when the vehicle was auctioned or sold. According to the reprocession laws in the state of Nevada, as the consumer I was supposed to be notified of the date, location of the sale of the vehicle. Also I never received notice of how much the deficiency amount owed if any. This finance company is also reporting inaccuracies on all 3 of my credit reports. XXXX XXXX is reporting every month that I am delinquent which has added extra charges from original balance at the time of charge/off placed on my credit reports. None of the information is accurate that's being reported by XXXX XXXX to all 3 credit agencies. XXXX XXXX, Equifax and XXXX.
Consumer complaint received 2019-02-23
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. (NV)

In XXXX of 2017 my vehicle was reprocessed after only 30 days of delinquency. However my chief complaint is that I was never notified when the vehicle was auctioned or sold. According to the reprocession laws in the state of Nevada, as the consumer I was supposed to be notified of the date, location of the sale of the vehicle. Also I never received notice of how much the deficiency amount owed if any. This finance company is also reporting inaccuracies on all 3 of my credit reports. XXXX XXXX is reporting every month that I am delinquent which has added extra charges from original balance at the time of charge/off placed on my credit reports. None of the information is accurate that's being reported by XXXX XXXX to all 3 credit agencies. Trans union, XXXX  and XXXX.
Consumer complaint received 2021-09-17
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: AES/PHEAA (GA)

I already reached out to the credit bureaus ( XXXX, XXXX, XXXX ) and notified them of their error posting of information on my report. The account balance is in fact wrong. A charge-off should show a zero balance. I was never late on these accounts. I have been monitoring my credit report for any changes, but I am yet to see the correction that I asked for and desperately need. I requested to generate a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information was received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.
Consumer complaint received 2020-11-24
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. (CA)

On XXXX. XXXX, 2020, EQUIFAX MORTGAGE SER add a hard inquiriy on my credit report per Equifax. No contact information has been reported by this creditor.
Consumer complaint received 2024-02-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (TN)

The debt collection company marked my complaint as duplicate regarding the CFPB complaint of XXXX. The complaint was for a different account, so it has a standing. There were different complaint elements regarding the account as well. Negligence is also considered abuse. The issue in question was for the same company ( NATIONAL CREDIT ADJUSTERS ) regarding a different account. The account number is XXXX. There are two different accounts being reported from NATIONAL CREDIT ADJUSTERS regarding alleged debts.
Consumer complaint received 2022-10-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (MA)

There's is an amount on my credit report stating that I owe XXXX about {$3800.00} from sometime in 2019. I've NEVER EVER had an XXXX  account. I DO NOT have any accounts that I owe in that amount. I don't know what part of the information to say is wrong or incorrect because it's all wrong or simply not me. 
I do not owe anyone this amount. 
I never had a XXXX account. 
I did not open an account around this time.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-10-07
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. (AL)

In accordance with the Fair Credit Reporting ACT, the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX They have violated my rights.

15 U.S.C 1681 Section 602A states that I have the right to privacy 15 U.S.C 1681 Section 604A Section : It also states a consumer protection agency can not furnish an account without my written instructions 15 U.S.C 1681 c ( a ) ( 5 ) -- 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 2021-03-26
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: CORELOGIC INC (CT)

I went to a car dealership company in XXXX XXXX  XXXX looking for an XXXX XXXX XXXX specifically I was introduce to four different salesman as soon as the sale occurred from the beginning it was an unorganized and very inconsistent atmosphere, while Im sitting down in an office another agent comes in and tells me what I am qualified for I never put down any consent for anything but at the time I did not put two and two together as to how he knew what I was eligible for-for the down payment. I then later got a notification from my XXXX XXXX and XXXX  account saying that my credit score has changed from a hard inquiry and I have called the company back and they did not reach back to me
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (CO)

I wanted to know costs of solar panels. Got a quote from XXXX from door-to-door sales rep. I was told they had to run my credit report first and then I would get the price. I agreed to checking my credit. Within XXXX hours, I cancelled. No inspections, no work of any kind has been done. XXXX added this to my credit as a debt and they have placed a lien on my home. This company refuses to correct this. It's been XXXX months and after phone calls and complaints, XXXX XXXX, XXXX still has not made this right. This started in XX/XX/2023 and the amount showing is {$13000.00}. The rep ( I can't recall his name ) at XXXX confirmed my cancellation but XXXX refuses to comply. I want this removed from my credit report and removed from the XXXX XXXX XXXX 's. Thank you.
Consumer complaint received 2021-09-17
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (OH)

Recent email to XXXX XXXX Comenity Bank Credit Card. 
I am very upset how you have decided to treat your consumers. I made a large payment of {$310.00} on XX/XX/2021 and you decided to reconsider my payment/credit history on XX/XX/2021 and reduce my credit limit by {$320.00}. Was this a delayed punishment? I have had a good standing and despite the pandemic I have tried to stay afloat with my credit cards. You wait to " punish '' me and my credit as I was in the process of paying this credit card off. This makes me wonder if you are upset that consumers are trying to raise their credit scores and reduce their intertest rates which doesn't pad credit card companies pockets. FRUSTRATING. How dare you take my credit usage from 47.8 % to 94 % instantly. I will be reporting this practice to Consumer Financial Protection Bureau and filing a complaint with BBB. I was logging on to pay my card off, once I do this, I will be closing my account. It's not worth allowing you to control my financial future. I'll take closing this card now then to deal with you. 

They have reduced my credit limit multiple times. Most recent was after a substantial payment from me and reduced my credit availability and limit substantially. I have been update to date for the past 5 months, and when I wasn't I was in communications with them. 6 months later and when my credit score was actually highest in the past year, they use that and decide to reduce my limit. This becomes a vicious game from credit card companies to keep interest rates high by adversely effecting the score they dare use to evaluate credit worthiness for. This is also the same credit card company that has closed my XXXX account with no notice when the limit was {$1500.00} I owed roughly {$200.00} and was paying on time. I understand they have a " right '' to do this but they are unfairly applying that right and with no notification or valid reasoning until after the fact.
Consumer complaint received 2022-08-11
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: COMMUNITY FINANCIAL SYSTEM, INC. (NY)

Community Bank has discriminated against myself by an adverse action under congresses in 15 usc 1691, 15 usc 1681a and 12 CFR 1002.7. Law states it is unlawful for any creditor to discriminate against any applicants with respect to ANY ASPECT of a credit transaction, these laws are clear and Community Bank have violated these laws and committed these crimes against myself. Community Bank has no right to deny me for exercising my RIGHTS GRANTED TO ME BY CONGRESS ( 15 usc 1602 ), I hope community bank settles this matter immediately and does not choose to be willfully negligent and noncompliant to laws.
Consumer complaint received 2021-09-17
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. (LA)

I XXXX XXXX XXXX, recently discovered some unauthorized inquiries i did not consent, authorize nor benefit from and the consumer reporting agency know as Equifax still published this information onto my consumer report. Under 15 USC 1681b- Permissible purposes of consumer reports, In General, Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates. I did not give Equifax any written consent to furnish these alleged inquiries onto my consumer report, no consent is identity theft. I've attached a copy of my identity theft report with the inquiries listed on it. I need the following inquiries blocked and removed. 

1. XXXX XXXX XXXX- XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XXXX, XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11. XXXX XXXX XXXX- XX/XX/XXXX 12. XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XX/XX/XXXX 14. XXXX XXXX XX/XX/XXXX 15. XXXX XXXX XX/XX/XXXX 16. XXXX XXXX XXXX- XX/XX/XXXX 17. XXXX XXXX XX/XX/XXXX 18. EQUIFAX MORTGAGE SOL- XX/XX/XXXX 19. XXXX XXXX XXXX
Consumer complaint received 2020-11-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. (NC)

On XX/XX/2020 Best Buy corporation promised to pay me {$390.00} as compensation for their pathetic service regarding my purchase of {$4300.00} of appliances from Best Buy. Essentially every thing that could go wrong with the purchase went wrong so Best Buy promised to either credit my account or send an AWARD certificate in the amount of {$390.00} as a compensation for pathetic customer service. 
A case number was issued by Best Buy which explains the details and it is XXXX. 
I was told that I would have my compensation within XXXX business days. I have called Best Buy 3 times and get nowhere. Frankly now I want more compensation for all the wasted time I wasted trying to get this matter resolved over the phone.Their service is pathetic.
Consumer complaint received 2021-06-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PulteGroup, Inc. (OH)

Pulte Mortgage company cancelled my loan application for " violation of their policy ''. The policy I supposedly violated was never stated, just vaguely described, and roughly meant I had to verbally answer questions like my social security number and date of birth on a recorded phone line. I explained I was not always in a setting where I could do that, and requested we would communicate in writing if it was important. That alone was enough for the company to cancel my loan application. 

When I asked questions about why my loan was cancelled, they adjusted their story. They said it was also because " I had made accusations against them ''. I had indeed frequently pointed out that they kept changing their story when communicating with me, but am only speculating that those are the " accusations '' I am ( in part ) being denied credit for. 

The original source of our misunderstanding was where the loan officer told me to click on some links, but that nothing was final yet, as the anticipated closing date was very far out ( more than 180 days ). He mentioned on the phone that nothing was final and that I was not entering in a contract with them, and marked a similar statement in his emails in yellow highlight. Despite these assurances, they went ahead and deducted {$570.00} from my bank account in pre-paid fees. When I explained that was not in line with the promise that nothing was final and that we would not be entering into any contract at this point in time, they initially refused to refund my money. 

They have since promised to refund the fees they already took from me ( {$570.00} ) but they have not yet done so. They did run hard credit pulls with at least two credit reporting agencies, even though they then also denied doing that. 

The builder of my house ( Pulte ) had promised me XXXX off closing costs for using their affiliated lender. Although the lender per se is not causing me to lose that incentive, it's adding injury to insult.
Consumer complaint received 2022-10-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Resources, Inc. (TX)

XX/XX/2022 {$1000.00} XXXX sent a dispute letter and there's no validation of signature saying I have this debt or any type of validation that I stated to release any medical information They violated my HIPPA and my personal information