davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-14
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MONEY SOURCE, INC., THE (CA)

I requested a refinance of my loan ( XXXX ) with The Money Source XXXX XXXX XXXX in XXXX of XXXX. I was informed that the loan would be processed in a timely manner and to provide the necessary information. I completed the information as requested and waited approximately 2 months for a response. Late XX/XX/XXXX i received a loan offer which I was then instructed to have notarized and returned within 2 weeks. i provided the notarized documents in 5 days. I was informed 2-3 weeks later that there was an issue with the paperwork. The start of the new loan was to begin on XX/XX/XXXX. I asked if there was any notable change to the new document to the monthly amount or the rate and was told that there was no change. I was informed that the issue was caused by the Money Source, XXXX XXXX XXXX. I was told that another document was coming. I have not received any new documentation. I was then told to make an additional request for refinancing the loan.
Consumer complaint received 2020-11-04
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)

I am writing because some wrong account in credit report is not belong to me. Some personal info was stolen and used. I am requiring to remove this fraud items from credit report. 
Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine. 
Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Consumer complaint received 2023-04-01
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 contacted " XXXX XXXX XXXX  '' to remove the incorrect information of the account they closed that is being reporting as a " Charge Off '' negative account. I made yet another payment for the balance they claim that I owe and they have not honored my request to delete this incorrect account information from all credit bureaus to-date. Thus, I am asking that the all the credit bureaus remove this incorrect account information from my respective credit reports. Thank you.
Consumer complaint received 2023-04-03
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST GUARANTY MORTGAGE CORP (MD)

I applied for a loan assumption. My girlfriend XXXX offered to take over my loan. XXXX ran her credit. XXXX lost mitigation department then told us that we needed to send in {$900.00} for the assumption application fee. Two weeks later were calling XXXX trying to get an update. When speaking with the representative at XXXX were told that the {$900.00} application fee was being mailed back due not getting the amount of whats due. That afternoon past due amount was sent to XXXX but we still had to wait for the fee to mailed to me in prefer to be mailed back. When the check arrived to my home it wasnt even the actual check that I originally sent. It was a copy of the check. When I received the check three weeks later I immediately sent it back to XXXX. Less than two weeks later Im being told that the loan assumption was denied. The loan was denied during the process. And the only reason given was that XXXX no longer had vendor.
Consumer complaint received 2021-09-13
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (TX)

I made a purchase on XXXX and paid for it with the XXXX credit card from Synchrony Bank. About 15 minutes later I received an e-mail from XXXX that the charge had been denied and advising me to contact Synchrony Bank. I called the Bank, spoke to a representative and then asked to speak to a manager. The manager informed my that the Banks credit terms provide that the Bank can cancel the credit card for any reason. I said I have no problem with that ; I have a problem with not being notified that the card has been cancelled! Her response was " We don't HAVE to notify you. '' Consumers should not have to use a CC, have the charge refused, and then call the issuing company to learn that the card has been cancelled. If the CC company can send notification of interest rate changes, arbitration changes, minimum payment changes, etc., they can certainly send a notification that the card has been cancelled!
Consumer complaint received 2022-04-07
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. (TX)

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion, and XXXX 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 are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance {$7800.00}, XXXX XXXX Balance {$380.00}, XXXX XXXXXXXX Balance {$7100.00}, XXXX XXXXXXXX Balance {$3200.00}, XXXX XXXX XXXX Balance {$230.00}.
Consumer complaint received 2022-04-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (PA)

On XX/XX/XXXX I noticed 2 withdrawals from my checking that I did not initiate. After speaking to bank I was told they would order new card and send paperwork for refund. A week later I received new card and tried to activate it, the card would not work. I was told after several hours on hold that they now needed my license. So card and tax docs. I faxed  as requested. It was now XXXX and still no access to my funds kept being told faxes were to light to read. This time I tried from my phone it worked on XX/XX/XXXX card was activated then on XX/XX/XXXX after purchasing XXXX dollars worth of groceries my card was declined police were called I am a XXXX man, I was put in handcuffs until my fiance paid the bill immediately called bank was told they now needed proof of residency due to my address being different as to my physical address, I did change w dmv online due to pandemic. I faxed proof of address change after several hours on hold my card was reactivated and told my  account was notated as such. That brings us to XX/XX/XXXX while leaving a restaurant after trying to pay my card was declined, police were called again was treated like a criminal. My fiance called bank was told that they did not believe me as to documents and they were taking 10 more bus6days to recheck faxed documents. I believe they are racially profiling me. And the 2 withdrawals were not fraud but they were bank error. This has caused severe consequences including police pointing guns at me for not being able to pay. I need help with us bank.
Consumer complaint received 2021-09-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (CO)

I HAVE BEEN TRYING TO SAVE MY HOME FOR THE LAST YEAR GOING BACK AND FORTH WITH FLAGSTAR WITH THE HELP OF MY COUNSELOR XXXX XXXX. 

WE HAVE PROVIDED EVERY DOCUMENT THAT THEY HAVE ASKED FOR BUT THEY CONTINUE TO MESS UP ON MY LOAN. I AM TRYING TO SAVE MY HOUSE AND I AM ABOUT TO LOSE IT BECAUSE THEY DON'T WANT TO HELP ME. 

EVERY BANK STATEMENT THEY ASKED FOR HAS BEEN PROVIDED AND EVERY DOCUMENT THEY HAVE ASKED ME TO CORRECT HAS BEEN PROVIDED. WHERE DOES THE RUN AROUND END! WHEN I LOSE MY HOME TO FORECLOSURE SALE BECAUSE THEY FAILED ME!
Consumer complaint received 2021-09-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

I am filing this complaint because Portfolio RC has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
Consumer complaint received 2020-05-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

I received a notice on my credit report for a collections. This brought my credit down 43 points. I have no idea what this charge is for nor did the company attempt to reach out to me via mail or phone or any other communication prior to adding this to my credit file. The creditor claims the account was open on XX/XX/2020 and reported this on XX/XX/2020 for the amount of {$280.00}. First, I am not even sure what this collections is for because I have never opened an account with this company. Second, the company never reached out to me to even allow me the opportunity to dispute or take care of it. I am disgusted at the way this company does business because I feel I was blindsided and forced into an obligation that is not mine. I have worked hard to clean up my credit and have paid everything that I actually owed. {$280.00} is not a big amount and if it were mine, I would have paid that too. I have filed a dispute through XXXX  and awaiting the results but I wanted to file a c complaint as well. This should have never happened and I feel proper business measures were not taken. 
Company : Enhanced Recovery XXXX XXXX XXXX. XXXX FL XXXX XXXX
Consumer complaint received 2021-09-13
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: EQUIFAX, INC. (MA)

I am XXXX XXXX, the consumer and natural person under law and I am submitting this complaint myself and there is no 3rd party involved. My federally protected consumer rights have been violated pursuant to 15 U.S.C 1681 Permissible Purpose of credit reports. The Fair Credit Reporting Act has been put in place to ensure that consumer reporting agencies maintain fair and equitable reporting. The attached letter contains accounts that are not fair and equitable to me as the consumer. I sent the attached letters XX/XX/2021 and I have yet to receive any response from the consumer reporting agencies listed. Please investigate this issue immediately. I am prepared to seek all proper remedies in this matter. The attached letter contains the the accounts that are adversely affecting me. Reporting Act 15 U.S.C 1681b Permissible purposes of a consumer report, which clearly states that .Any consumer reporting agency may furnish a consumer report under the following circumstances and no other. 1 ) In response to the court order of a court having jurisdiction to issue such an order or subpoena issued in connection with proceedings before a Federal grand jury 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave any written consent to report anything on my consumer report, and no court order having jurisdiction to issue such an order or subpoena issued in connection with proceedings before a federal grand jury has been issued. Also, I have not authorized any of these transactions. A consumer credit report should be equitable and fair to the consumer and should not contain any information that is adverse to the consumer pursuant to 15 U.S.C. 1681d Disclosure of investigative consumer reports. The following information is adversely affecting me and is a violation of my consumer rights. I have listed the items in the attached letter and below which are in violation of the FCRA and need to be deleted from my credit file immediately. my credit file immediately 1.XXXX XXXX Account Number : XXXX 2XXXX Account Number : XXXX 3.XXXX Account Number : XXXX Please follow the law. The response of " Unauthorized third party '' will not be accepted.
Consumer complaint received 2020-04-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (AL)

I opened a SunTrust checking account ( Account Number : XXXX ) online and made an initial deposit of {$1500.00} verified by SunTrust customer service on XX/XX/XXXX, but SunTrust closed my account a week later without any valid reason. On XX/XX/XXXX SunTrust sent me a letter stating the following : At the time of account closure, SunTrust Fraud Operations performed a thorough review to determine the status of the funds in your recently closed account ( s ). We have determined that the remaining funds in your account ( s ) will be mailed to you in the form of a check within 5 business days.

So I waited for 3 weeks but did not receive my {$1500.00} fund as promised. I started calling SunTrust. SunTrust told me the fund was being held without providing any reason and asked me wait for one more week. Then I called again a week later and got the same answer. In the past 6 weeks, I called SunTrust at least six times to request my funds, but SunTrust was still holding my funds. At this point, I was so frustrated by the SunTrust unprofessional and nearly fraudulent conduct.

SunTrust closed my new account even though I did nothing wrong. To make it even worse, SunTrust has been holding my {$1500.00} funds for two months, especially when I really need this money to get through the current Covid-19 crisis.
Consumer complaint received 2021-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

What the XXXX is going on? I sent you my dispute letter on XX/XX/2021, I have been advised that under section 611a you are legally obligated to respond to my dispute letter within 30 days but to this day, almost 2 months have passed but I still haven't got any response from you. you been ignoring me huh. I am keeping record of everything because if you continue to ignore my disputes I am going to seek litigation for all the trouble youve caused me. Im trying to get these errors yall reportin but youre ignoring it. My information may also have gotten to the hands of the wrong person because of XXXX  data breach and you need to do your part to investigate and clean up these errors.
Consumer complaint received 2021-04-04
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: LEXISNEXIS (TX)

I received a reinvestigation letter dated XX/XX/2021 response from LexisNexis case XXXX regarding incorrect address and the Bankruptcy, stating the information was VERIFIED. I had requested a Legal Method of Verification of DATA FURNISHER for the Bankruptcy, which I didn't received. I received a document response through Consumer Financial Protection Bureau on XX/XX/2021, from LEXISNEXIS that Ms. XXXX 's profile was REMOVED. But I keep getting letters in the mail from LEXISNEXIS stating all their investigations are all VERIFIED, I am not understating how the information was legally verified. Especially now when LexisNexis is inaccurately reporting information within their company of my records they have on file, from unverified sources, even when the courts stated they don't report any Bankruptcy files to any credit reporting agencies. I am including the documentation that was sent to me XX/XX/2021.
Consumer complaint received 2021-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC (TX)

I contacted Aldous & Associates to advise them that payment was made directly to XXXX. The rep became hostile and stated I still owed the debt. I informed the rep to contact XXXX to verify the payment was submitted and the account was cleared. The rep declined and started shouting on the phone. The rep did not allow me to speak and he was very disrespectful. 

I told the rep several times to stop contacting me, because the account was paid off. He refused XXXX is the name of the rep
Consumer complaint received 2021-04-04
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I sent a letter to Experian on XX/XX/2021 regarding an inaccurate account and that the account is currently in litigation. The account I am referring to is XXXXXXXX XXXX XXXXXXXX. Here it is XX/XX/2021 and I have not received any response as to the accuracy of this account or that to the fact that this account is in litigation. I feel like Experian is taking advantage of me and they are ignoring my dispute. What I do know is that Section 611 ( a ) plainly states that a failure to investigate this item within 30 days they have to immediately remove those items from my credit report. This is causing me extreme emotional stress due to the fact that I am in the process of applying for a job in the financial industry and inaccurate information will jeopardize my chances of being hired. I demand this account be deleted immediately or I will file for litigation due to the stress Experian is causing me.
Consumer complaint received 2019-03-04
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. (GA)

I have called numerous times concerning this address XXXX XXXX. Each time they dispute it and I'm being told it's being removed its never done. I have authenticated my information numerous times and still they can't seem to get it right.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TRANSUNION IS PROVIDING RENT SPREE AND OTHER AGENCIES WITH INVALID EVICTION INFORMATION. 

THEY ARE STATING THAT I HAVE AN EVICTION RELATED JUDGEMENT AND I HAVE NEVER BEEN EVICTED! THEY HAVE A CAR LOAN JUDGEMENT WITH XXXX XXXX XXXX THAT HAVE BEEN PREVIOUSLY DISCHARGED IN MY BANKRUPTCY LISTED AS AN EVICTION! 

YOU CAN NOT LIST A CAR JUDGEMENT AS AN EVICTION! THATS WRONG.
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX, XXXX XXXX XXXX, GEORGIA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, US DEPT OF ED/XXXX., US DEPT. OF EDUCATION, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXXXXXX, XXXX XXXX XXXX. have all violated my 609 rights by reporting incorrect information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, telephone number, and names corrected on my report this is a violation on my consumer protection rights.
Consumer complaint received 2020-05-30
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC (VA)

We are senior citizens. I am XXXXyrs old, XXXX & a XXXX veteran. We qualified for a VA mortgage & applied for a home refinance with Veterans United. Process was completed XX/XX/2019. For the next 8 months, we have been told that the loan is in underwriting. They keep giving us new closing dates. They want us to pay for repeated updated pest and well water inspections. We have spent {$900.00} thus far and now they want us to repeat these tests as the dates have expired because they delayed too long. They have also repeatedly pulled our credit, causing it to drop considerably. We can only assume this is a way to make us Walk away from our application without them blatantly declining us for age or nationality. This is emotionally and financially distressing. Is there any recourse?
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NJ)

I've been trying to fix my credit, the three credit reporting companies have been showing me a higher score then what its been sending to people that inquire. as of right now XX/XX/2023 my experian shows XXXX and when I tried to refinance my auto loan through XXXX XXXX  on XX/XX/2023 they pulled a XXXX from XXXX, but used an experian pull for my when my wife tried to do the same. 
I have been paying 30 % interest on an auto loan for about two years and can't get a better rate because of all the inconsistencies with the reporting bureau 's and the choice to use on instead of the other is causing me to pay an outrageous fee to own a vehicle.
Consumer complaint received 2022-09-15
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: LEXISNEXIS (AR)

Hello, I had noticed that a previous bankruptcy was reported to the bureaus without my consent nor permission. This has violated my right to privacy. I mailed a letter to LexisNexis to advise them of this and I have not yet heard back. The bankruptcy was a discharged in 2019. This has prevented me from being able to use my credit for anything.