davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-30
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: U.S. BANCORP (OR)

My recent complaint ( XXXX ) filed XXXX was closed WITHOUT CLEAR EXPLANTION of why XXXX XXXX XXXX  XXXX has NOT reported my existing loan since XXXX XXXX through XXXX to the credit reporting agencies. 

While US BANK had the right to the legal process it took, the RESULT and HARM TO ME was to wipe my mortgage off my credit report completely. There was NO follow up with XXXX County Circuit Court to notify them I had Satisfied the Judgment. 

I do not have CREDIT for one of my longest creditors through XXXX, XXXX  or XXXX.
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (CA)

I ran an employee application ( Custom Id # XXXX ) & the Checkr Background showed an infraction ( that by the way doesn't show up on XXXX XXXX ) or shouldn't. 

It seems like I've been targeted & the same people tried making it look like I had a criminal background. This offense is not a criminal offense & is an infraction. 

I requested they remove it because I'd it isn't on the XXXX record, it shouldn't show in an employment background. 

The court said it would not show up on Employment background reports & I would like for it to be removed. It's misleading & gives the appearance there is a criminal charge when there isn't. Even though the criminal records section shows clear, it even shows up in the criminal report section & I do not have any criminal charges. This infraction is noncriminal therefore shouldn't show up at all. It is a minor infraction. 

Furthermore. I have a dispute regarding this infraction because I was not using my phone or texting while driving. I initiated the dispute & am moving to have it removed from my record completely. 

I was looking for a VC or other code to support this request. I may have to go to the law library later to locate it's origin. If you are aware or have an acquaintance that has supporting code ( s ), I'd appreciate it. Otherwise, I'm requesting removal in 'Good Faith '. This code is an infraction & backgrounds generally ask if you've been convicted for a Misdemeanor or a felony ( Infractions excluded ). This, any reporting entity shall otherwise exclude also. 

Thank You.
Consumer complaint received 2021-10-15
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am hoping you can help me with my issues I am having with some creditors. I have a debt with both Kohl 's and XXXX XXXX. On XX/XX/2021 I called both companies to resolve my debt with them when they asked me for the last four of my ssn ( XXXX ) I gave it to them. They told that wasnt my ssn. Well that odd because that it too my ssn. It confusing to me that both company do not have the right information. If they have the wrong information how can they be reporting to my credit?. They refuse to help me because of this mix up which is not my fault. I am at a lose as to what to do on this. I have attached my SSN card and Driver License to prove who I am.
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: Experian Information Solutions Inc. (GA)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.
Consumer complaint received 2023-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2023 I woke up to a text saying my account was negative XXXX dollars, my brother than sent XXXX dollars and my account said negative XXXX dollars. I was supposed to get paid today, but instead they released my check on XX/XX/2023 with a total of {$420.00} dollars. They took my money out, and I had a balance of {$340.00} dollars last night. It is very unprofessional and inconvenient for me to lose this money. I am a college student who is already struggling. I have bills to pay that are due today that I can not all because of a mistake they made. After calling they said they can not guarantee a date of when my money will be returned. It has left me in emotional distress from me crying all morning and evening because I have no money and no one to depend on with helping me get money to last me until Monday. I would like to file a lawsuit against Wells Fargo. This is completely absurd and just have had enough.
Consumer complaint received 2020-12-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Constar Financial Services, LLC (AZ)

Account was closed XXXX 2018 after it was repossessed unknowingly. There is an amount for {$4600.00} left over on the account. I later found out from my credit report that it was sold at an auction. I didn't didnt get any letters or notices stating the delinquents. Nothing stating the reposition nor that it was sold.
Consumer complaint received 2020-08-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (GA)

Loan originally signed with XXXX XXXX company, XX/XX/XXXX. 
Loan was transferred to XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX. 
Green Tree Servicing LLC acquired my loan from XXXX. I applied for a loan modification due to a hardship on XX/XX/XXXX with Green Tree Servicing LLC. In XXXX, my loan was changed from 30 year fixed to a 40 year fix without my knowledge nor consent.

DiTech Financial, purchased Green Tree Servicing LLC, then XXXX of this year my loan was transferred to XXXX XXXX. I attempted to refinance my loan to a 15 year fixed at a lower rate, loan officer with XXXX XXXX advised me of my 40 year fixed loan. I retrieved ALL of my mortgage documents to do a full review. I discovered Green Tree Servicing LLC abused multiple homeowners/borrowers.
Consumer complaint received 2020-07-22
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: Experian Information Solutions Inc. (PA)

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. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. Please delete the items as soon XXXX possible.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2020-10-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
Consumer complaint received 2017-12-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

I was doing a shortsale with JP Morgan Chase, my agent received an email on XXXX/XXXX/XXXX stating that the offer had been approved by the investor ( XXXX XXXX XXXX XXXX and that she would submit the file for decision with Chase and that a response would be received in 5-7 business days. 

Then on XXXX/XXXX/XXXX my agent received communication from Chase stating that the offer had been declined by management. 

When my agent followed up the same day trying to find out how that is possible since the offer was already approved by the investor. 

Because of this the current buyer withdrew their offer, but my agent found another buyer who stepped up and signed a contract to purchase the property for the same amount of the previous contract which my agent submitted to Chase. 

But on XXXX/XXXX/XXXX she received an email from a XXXX XXXX at Chase stating that the shortsale had been declined by the servicer. 

She was told by the negotiator XXXX XXXX that they new offer would be reviewed. 

No response has been forth coming since that day.
Consumer complaint received 2020-10-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Credit Adjusters, LLC (IL)

I received an email about a non-existent debt from an old checking account with XXXX bank. I still bank with XXXX so the accusation of debt and check fraud is invalid. The email was a gmail account not a business account and the email included my driver 's license number, social security number and old bank account number. I am terrified that someone now has breached my security and has my social security number and circulating it in an email is not safe. The company signature says National Credit Adjustor but the email XXXX XXXX XXXX XXXX using email address XXXX. I will add some safety measures on my credit report but need to stop this from going any further. Hopefully you can help me or guide me in the direction of someone who can help. Attached is a copy of the email they sent me. Thank you.
Consumer complaint received 2020-10-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
Consumer complaint received 2020-12-09
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)

XX/XX/XXXX During the month of XX/XX/XXXX, I became aware that XXXX XXXX had run two unauthorized inquiries on my Social Security numbers, they were done on : XXXX XXXX, XXXX & XXXX XXXX, XXXX I contacted XXXX XXXX about the issue. The call was escalated to the Fraud Department Supervisor, who verified all my information and informed me that he was deleting both the inquiries and would be updating all three credit reporting agencies, such as Transunion, XXXX & XXXX  authorizing them for removal of the inaccurate information from my account, which would be updated within the next 60 90 days. 
XXXX XXXX, XXXX The information was not deleted as agreed. I once again contacted XXXX XXXX to have it resolved and was informed to send it in writing, which I did on XXXX XXXX, XXXX by registered mail. I followed up again and was told to send it again on a XXXX XXXX Form, which I once again did. 
XXXX XXXX, XXXX XXXX XXXX I contacted XXXX XXXX and spoke to the Fraud Department. I was placed on hold for 1 Hour and 5 Minutes. The person identifies herself as the Manager of the Fraud Department and only gave her name as XXXX and refused to give me any additional information or her last name. XXXX stated that her Employee number was XXXX. She informed that though they had received my documentation on XX/XX/XXXX, they could not process it and wanted me to send it to them once again. I asked which address it should have gone to and they stated the XXXX XXXX address in UTAH. It is the same address which I have been sending all the documentation to. 
Bottom Line I believe XXXX XXXX is playing games with removing the fraudulent information and in addition retaliated against me by reducing the credit line on my credit card under the guise of me not using it. They need to fix this issue, as they created it.
Consumer complaint received 2020-10-30
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: Global Lending Services LLC (SC)

In XXXX, my husband and I went to a XXXX auto sales place in XXXX SC. We both signed a document that allowed the sales representative to pull our credit. I am XXXX XXXX and my husband is XXXX XXXX. Once the sales package was presented to us on a XXXX XXXX XXXX, my husband, XXXX XXXX, declined the sales offer. In order to purchase the auto in just my name, I had to come up with more down payment. I have tried for 5 years to straighten this out with XXXX XXXX who handled the loan and they continue to say my husbands signature is on the loan when it is not. Due to XXXX XXXX refusing to remove my husbands name and derogatory credit history from all 3 bureaus, it has caused my husband to not qualify for other credit products. My husband wants this unfair credit reporting completely removed from his credit file. Whatever signature XXXX XXXX is going by is not my husbands signature
Consumer complaint received 2023-03-10
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: SYNCHRONY FINANCIAL (FL)

We purchase a mattress on XXXX last year, we cancel the order and recived a confirmation of cancelation from the company, we asked to refund our credit card and the credit car it is refusing to gives our money back. We dont understand why we need to pay something that we do not have. It does not make senses. 
the credit card company is Synchrony
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to follow up on my previous correspondence regarding the delayed processing of my accounts opening with Credit Bureaus. Despite my previous communication, I regret to inform you that the issue remains unresolved, and the accounts opening process has yet to be completed.

As a prospective client, the continued delay in opening my accounts are not only frustrating but also reflects poorly on the efficiency and professionalism of your organization. I have submitted all required documentation and have complied with all necessary procedures, yet the delay persists without any explanation or indication of progress.

I understand that administrative processes may encounter occasional setbacks ; however, the prolonged delay in this instance is unacceptable. It has not only inconvenienced me but has also hindered my ability to engage in business transactions with your company in a timely manner.

I urge you to prioritize the resolution of this matter and expedite the processing of my accounts opening without any further delay. Timely action is crucial to restoring my confidence in your company and facilitating the commencement of our business relationship.

Furthermore, I request that you provide me with regular updates on the status of my accounts opening and the steps being taken to rectify the situation. Clear and transparent communication will help alleviate concerns and demonstrate your commitment to resolving this issue promptly.

I trust that you will take immediate action to address this matter and ensure that the necessary steps are taken to expedite the processing of my account opening. Failure to do so may compel me to explore alternative options and escalate this issue further. I am asking for your assisstance to correct these accounts in my credit file : 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 2021-08-19
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. (LA)

I agreed to a settlement amount with XXXX XXXX  XXXX  the terms of the settlement company agreed to correct payment history to alXXXX XXXX XXXXA. The information is still not reporting correctly I contacted XXXX XXXX to do a investigation they sent me a letter stated they needed to correct the payment history still not corrected I tried disputing the information and it still has not been correcting this account is showing a negative account and it should not this is messing up my ability to obtain new credit.
Consumer complaint received 2020-10-20
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. (TX)

XXXX XXXX XXXX XXXX  {$4600.00} Original creditor : XXXX XXXX XXXX XXXX Overview You have 100 % left to pay on this collection. 

Balance {$4600.00} Highest Balance {$4600.00} Opened XX/XX/2020 ( 8 mos ) Account status Open Type -- Responsibility Joint Remarks Consumer disputes after resolution Original Creditor Name XXXX XXXX XXXX XXXX