davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-06
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: CITIBANK, N.A. (MO)

I have recently obtained a copy of my credit bureau –XXXX credit report.  It showed an inquiry by your company that I do not recall authorizing.  It is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so.
Consumer complaint received 2018-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Perfection Collection (IN)

This company sent the exact same response from my 1st complaint to my 2nd complaint I want them to acknowledge I was never notified via mail or phone we were taken to collections.

PRODUCE MY ORIGINAL CONTRACT!!!

Perfection Collection never notified us via mail or phone that we were taken to collections. We did not have any idea we weren't sent to collections until I called the company. XXXX   never notified us via mail or phone that they sent any debt to collections. There salesman also lied in our agreement. We stated we would be moving within 2 years and he stated we could cancel at anytime if we move. He was trying to make a sales on false claims. Either company can not produce our original contract.

We are taking legal action unless Perfection Collection removes all collection notices from my credit report.
Consumer complaint received 2022-08-17
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: EQUIFAX, INC. (CO)

I notified XXXX EQUlFAX, andXXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 : XXXX XXXX XXXX XXXX XXXX 4 : XXXX XXXX XXXX XXXX XXXX 5 : Dept of EducationXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And supplied documents supporting why accounts were inaccurate including Billing statements, Bank Statements and Copy of Credit Report and to their Fraud Dept I sent Letter from FTC that the following accounts were due to Identity Theft and I included Police Report # XXXX Affidavit and FTC report 1 : XXXX XXXX XXXX XXXX XXXX XXXX 2 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 : XXXX XXXX XXXX 4 XXXX XXXX 
XXXX XXXX XXXXXXXX XX/XX/2022 XXXX sent by Certified Mail a letter requesting investigation of all accounts previously stated to investigate if every piece of information was 100 % correct if found to not be correct to remove from my Credit Report The credit Bureaus stated Accounts was properly investigated but how is that possible if date Last Verified is inaccurate, Date Reported is inaccurate, date Opened is inaccurate, Last Payment date is inaccurate, Account Type is inaccurate, Creditor Type is inaccurate, and Payment History is Inaccurate, and Payment Frequency is not accurate. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 Section 604 ( A ) Section2 The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 
I haven't given these accounts written permission to furnish these accounts on my credit report as well 15 U.S..C 1681 Section 602 ( A ) States I have the right to privacy 15 U.S.C 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) ( A ) ( i ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; 15 U.S. Code 1681b ( a ) In generalSubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I never supplied written instructions to furnish Report to anyone
Consumer complaint received 2021-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I reported my credit card stolen on XX/XX/XXXX to Bank of America. There were two unauthorized charges on my account one to XXXX for XXXX and one to XXXX XXXX for XXXX. The first time I called the Bank they did not enter in all of the information correctly resulting in my claim being denied. The second time I called the bank they said that I should write a written report and I did but my claim was still denied. The Third time I called they asked for a police report so I got one and the bank said it should be resolved, but my claim was still denied. I reopened the case again and told me It was denied because an after pay charge was charged after I reported my card, and I let them know it was an after pay charge and I cant control what day it gets charged. They have made me call them at least 6 times- each time they tell me it will be resolved because the details are all there but then each time it is denied and I have to call and retell my whole story over and over. Each time I spend at least 30 minutes on the phone with them. I have banked with them since XXXX  and Im having such a hard time getting my money back for these fraudulent charges.
Consumer complaint received 2018-02-05
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. (CA)

Previously filed complaints not resolved. The wrong name, XXXX XXXX, with an address in XXXX still show-up on my credit report. The fact that the false collection shown by these agencies is now removed, doesn't nothing to fix the underlying problem. The next time this bimbo has a late charge or collection it will again show-up on my credit report because her information is falsely shown on my credit report!
Consumer complaint received 2018-03-30
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

NOTATION : This is a CHALLENGE and NOT A DISPUTE I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ).  Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of its reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is attached to this complaint and must be deleted immediately, so please do so without delay. 
I have attempted to resolve the issue directly with the respective parties, however found that they were non-compliant as per the FCRA and CDIA requirements
Consumer complaint received 2020-11-25
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. (OH)

This is my second dispute notice and as I was going over my credit report once again I noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. Other accounts have been transferred to other offices and are now showing up twice on my credit report. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Account listed below : - XXXX XXXX XXXX XXXX # XXXX - XXXX XXXX XXXX XXXX # XXXX - XXXX XXXX XXXX # XXXX
Consumer complaint received 2020-01-22
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (TX)

I was referred to Freedom Mortgage Corporation by my current Mortgage company, XXXX XXXX XXXX for a streamlined FHA mortgage refinance and I submittted the application on XX/XX/2019 and I was advised that the loan would close within 30 days and that I would not have to pay my Mortgage for the Month of XX/XX/2019. 
After 30 days, Freedom Mortgage loan Agent will not take my calls or provide an update, I finally got referred to a supervisor who claimed that he will escalate the process and they re-issued another loan documents now stating that closed will now be for another 30 days. They have misled me not to pay my existing mortgage because the loan was closing and they have kept pushing and stringing me along with the approval process for the last 4 months and have now refused to process my application and I believe that the decision is discriminatory and meant to cause me to loose my home through a loan default.
Consumer complaint received 2018-02-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (IL)

I have debt cancellation XXXX but XXXX in trying to collect on the debt I have faxed documents to for of XXXX and XXXX from XX/XX/XXXX thru XX/XX/XXXX no resolve I was contacted and told by an advocate from XXXX that she would review and get back to me this was XX/XX/XXXX no response XX/XX/XXXX I contacted the advocate i received an email to confirm the email was received
Consumer complaint received 2024-05-05
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Leaders Financial Company (NY)

Dear Consumer Financial Protection Bureau, I am writing to bring to your immediate attention a distressing situation regarding an ongoing dispute over a repossession ( LEADERS FINANCIAL COMP ). Despite my repeated attempts over the past five months to resolve this matter, I have not received any response. This lack of action has adversely affected my family 's ability to move out of a dangerous neighborhood due to credit bureaus ignoring my disputes and sending stallment letters. 

The continued disregard for my disputes and the resulting inaction by the credit bureaus have placed undue stress on my family, causing trauma and depriving us of essential resources. This situation is untenable and urgently requires your intervention to provide relief and resolution. 

I implore the Consumer Financial Protection Bureau to investigate this matter promptly, address the erroneous reporting, and take necessary steps to rectify the impact on my family 's financial stability. Your swift action in this regard is crucial to restoring peace and security to my family. 

Thank you for your attention to this matter.
Consumer complaint received 2020-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

I was under a credit counseling program as of around XX/XX/2019, but around XX/XX/2019 I decided to quit the credit counseling program. I thought that the credit counseling program coordinator contacted all creditors to inform them of this so that it would not appear on my credit report anymore. However, after checking my credit report recently, I see that USAA federal savings bank has a remark on my credit reports stating that I am still managed by a credit counseling/debt management program when I am not. and I have proof. I sent them proof, called them and they still refuse to remove the remark and take me out of the program on their end. This company is hard to deal with. Ive heard some bad things about this company and I want nothing more to do with them.
Consumer complaint received 2021-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (AZ)

I've asked Ally 3 times now at this point to remove a dispute that I had on my account reporting on XXXX. My loan officer told me this would impact my ability to qualify for a mortgage if I keep the dispute on. Despite the multiple attempts calling Ally and speaking with 3 different supervisors who refused to give me a direct line, they are directly impacting my ability to buy my first home since they didn't do their jobs. I'm not sure what else to do and I don't understand why they're not removing my dispute. They keep telling me they have to submit a back office request that just sits in this queue waiting to be assigned to a representative. These calls occurred on XX/XX/21, XX/XX/21, and XX/XX/21.
Consumer complaint received 2021-11-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (FL)

Hello. I dont know what to start with. XXXX my first account, theres were fraud mobile deposit that I hadnt made but someone apparently got accessed to it. They closed down. XXXX XXXX, they closed down for no reason. They told me that they cant tell me why. XXXX closed down because someone also had accessed to online banking same as XXXX. Check returned. XXXX  XXXX XXXX and XXXX, Someone used my SSN number to created it and it was fraud also. Now Im going through with a Suntrust. My phone was stolen with no passcode on it and someone went in my online bank on my phone. Theres were user and password on my phone in the notes so of course they deposited a check apparently thats what Suntrust said. I dont know. They dont show me what my account looks like. 2 or 3 weeks ago, I came there to change my number because I had another phone since my XXXX was stolen. Suntrust also gave me another account while the account are under review. I was able to use it until yesterday. Few days ago I deposited my check and I was able to swipe before yesterday then I found out today by calling them they said its in processing closing my account with my money in it. First off, why did they gave me another suntrust account then let me Deposited it in the first place then in process of closing. This none makes sense. My rent money is in there. Unfortunately, they said I can not withdraw my money at all until they close also. I dont know how to do fraud or scam thing so it couldnt possibly be me. One day Ill be arrested for something I didnt do.
Consumer complaint received 2021-11-07
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. (OH)

on XX/XX/2021 XXXX XXXX reported an unauthorized inquiry to XXXX  and equifax. i didnt receive any service or good or give permission to report. 
i submitted a FTC report and sent it to both credit reporting agencies on XX/XX/2021. no response.
Consumer complaint received 2021-11-07
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. (OH)

XXXX XXXX  reported an unauthorized inquiry to equifax on XX/XX/2021. i did not give permission to report. 
i submitted a FTC report and sent it to equifax on XX/XX/2021. no response.
Consumer complaint received 2018-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (CA)

I reported fraud to synchrony bank ( XXXX master card ) for the amount of XXXX back in XX/XX/XXXX, they denied the claim because one of the agent misunderstood me saying i have the card with me and the chipped was used, i immediately called back and told them about the situation, they re-opened the claim on XX/XX/XXXX and I have provided back to them a form stating that I do not have my card with me, only used it once way back before and lost the card in around XXXX. I don't really use this card so didnt relaized it was lost, but reported it right after. case was closed and denied again, I tried calling them back and talking to them because I was supposed to have XXXX liability for something I did not use but bank was stating that that only works if they think the transaction is legitimately fraud. I got turned down and they said there is nothing they can do for something i did not spend.
Consumer complaint received 2018-02-06
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: United Debt Holdings, LLC (OH)

This is from years ago, when I really need the money. It was only about 150 dollars. Now they want to settle with over 350 dollars. I said okay, but I cant do it now. He said it has to be done now. He is a legal courier for XXXX XXXX   Where I live. He left me a voicemail today threatening to come get me implying either arrest or something worse. His name is XXXX XXXX he has been calling me non stop and leaving these kinds of voicemails.
Consumer complaint received 2024-03-11
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC (CO)

I used my XXXX XXXX credit card ( Concora Credit ) back in XX/XX/2023 to get a watch. I got a letter in the mail a month later asking to verify my identity which I did. I sent them, in certified mail, my Colorado state drivers license. They got my ID but still shut down my account without second notice, I guess saying that my legal ID was not sufficient. There was no fraud, I provided exactly what they asked for, yet they still closed my account.
Consumer complaint received 2021-03-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (WA)

On XX/XX/XXXX, SOUTHWEST CREDIT SYSTEMS add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. 
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :
Consumer complaint received 2019-11-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (TN)

I applied at Wells Fargo for a home loan for XXXX. I XXXX XXXX XXXX and I wanted to move to Florida. I finally found a house under XXXX so I immediately jumped on it Wells Fargo said 3.6 interest rate than a week before closing they decided this is an investment property even though I'm living there more than 9 months out of the year. XXXX XXXX XXXX than changed the interest rate a day before closing to 6 percent. Than I called them to figure out why and they said no was reason to do that and they will change it back. Now they have it at 5 percent and made me extend the closing and the seller almost walked away. They literally try to ger XXXX extra on a XXXX house and than got caught and now they are jerking me around. My son 's wife is pregnant and she was suppose to move in with me but they are trying to take advantage of women not looking at the numbers for interest rates. 
XXXX XXXX also called me and tried to make it seem like all they did was change the closing costs but they XXXX  107 interest rates. I have all documents to prove they tried to take advantage of the elderly and women
Consumer complaint received 2018-02-06
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Accounts Service Team Inc. (TN)

For the last 3 months this company by the name of Fast has been contacting my grandmother on her home telephone number about a balance on an old apartment from college. They have been advised by both me and my grandmother to stop calling as this is not my phone number. Tonight I received a phone call from the person working for a company called FAST, they gave a mini XXXX and asked was I XXXX XXXX. I advised them not to call this number again as this is not my number. She told me she will make as many calls as she wants as much as she can and would be calling again tomorrow. I advised she would continue to go to voicemail. She was very nasty and rude and told me directly she will call everyday! Please look into this matter and enjoy them paying for it own their dime!