davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-02
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: CNG FINANCIAL CORPORATION (NC)

I called XXXX XXXX XXXX 's collection agency ( XXXX XXXX XXXX ) in XX/XX/XXXX to start the resolution process. I requested that XXXX XXXX XXXX provide a  documentation of the loan, proof that the loan was mine, and that the loan wasn't paid off according to the terms, as I paid this loan off in XX/XX/XXXX. There was a " process '' to get this information. I waited 24 hours and received a phone call back and was told they could give me no further information. 

As there can be no documentation provide from the creditor this loan should not be reporting to my credit report. I filed a dispute with XXXX with no resolution. When I called XXXX to discuss the dispute, I was told that the creditor just said that the loan information that was being reported was correct. I have still received no proof of the loan being legitimate.
Consumer complaint received 2023-01-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (OH)

This Debt For XXXX allready went to court and garnished my wages until it was completly paid off. this is not a debt on my credit anylonger and this needs to be investigated as i dont appreciate them tryting to collect again. XXXX  reference number XXXX
Consumer complaint received 2018-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (OH)

I made application for a XXXX credit card through Synchrony Bank. I was denied credit based upon my credit being frozen with the credit reporting agencies. 
I then lifted the freeze temporarily and reapplied but was denied based upon " prior application submitted too recently ''. 

Freezing ones credit is highly recommended by not only the federal government but various consumer agencies. It is unfair to categorize an applicant with frozen credit the same as an applicant with poor credit. The implementation of a waiting period to reapply is nonsensically under these circumstances. My credit is superb and I refuse to lift my credit freeze permanently. Synchrony Bank has stated that there is nothing that can be done.
Consumer complaint received 2017-09-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

When I originally got the loan we never signed all of the paperwork. The lady they sent said she would bring back some papers and never did. All of the papers are not signed by me. The loan is now illegal, it is a loan where the payments and interest goes up every year. The payment amounts do not match what is on some of the paperwork that we received. The payments have always been higher than they were ever supposed to be. We have tried for years to get a modification with them and was denied every time. I got forced into bankruptcy many times because of this loan. There are many discrepancies with this loan and the mortgage co will never send us any papers we ask for. I am again in bankruptcy due to this loan. I am XXXX and not in great heath. This company is Wells Fargo. They are already proved to be frauds with all aspects of their company, from all the way back in history with XXXX XXXX. Wells Fargo should be held accountable for what they do to people. They have never tried to help me. I would really appreciate any help you could give me. Thank you for your time
Consumer complaint received 2018-07-13
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: Alorica Inc. (FL)

I sent a certified letter to the company multiple times and tried to call the company to remove the inquiry from my credit report and was informed to contact the company that did the inquiry to have them remove the inquiry from credit report. I contacted the company and was informed by the company to contact the credit bureau.
Consumer complaint received 2024-02-16
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: EQUIFAX, INC. (FL)

There are unauthorized inquiries on my Equifax credit report. My consumer credit report with Equifax is displaying inquiries that I never made for credit. From XX/XX/2024 to XX/XX/2024, inquiries were made on my credit report from lendors or creditors that I do not have relationships with ( with the exception of XXXX XXXX because I have had accounts with them, however, a recent and unauthorized inquiry was made. ) I believe this is a result of identity theft before earlier in the year, I tired to open a checking account and I was denied by the bank due to a XXXX XXXX XXXX that showed multiple identities linked to my social security number. I have already submitted a dispute with XXXX XXXX and they claim to have removed any accounts associated with my ssn that do not belong to me. However, I am under the impression that my information is still compromised. As a result, I have frozen all of my reports with all of the main consumer reporting agencies.
Consumer complaint received 2022-04-05
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. (FL)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2018-07-13
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: Exeter Finance, LLC. (FL)

I sent a certified letter to the company multiple times and tried to call the company to remove the inquiry from my credit report and was informed to contact the company that did the inquiry to have them remove the inquiry from credit report. I contacted the company and was informed by the company to contact the credit bureau.
Consumer complaint received 2018-04-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (TX)

We opened this account because it was not suppose to have overdraft option after having another account. If an item tried to post and the funds were low, PNC was suppose to reject the payment. However, over the years, they have apparently changed our account and now we are being charge overdraft fees AND some " continuous overdraft fee ''. We have spoken to PNC many times regarding this issue to no avail. We NEVER agreed to these charges and was told they would not happen. That has not been the case since having the account. We would like to see PNC refund or delete all charges.
Consumer complaint received 2017-04-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Duncan Solutions, lnc. (NY)

Professional Accounting Services call my home several times a day to collect on a debt that is n't mine. They were told this. They continue to harrass me. i am a senior citizen and they are trying to scam me. Whoever they represent needs to understand I am not responsible and to stop calling me.
Consumer complaint received 2022-04-05
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. (FL)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2018-04-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (NV)

I sent a dispute letter asking this company to validate this debt they say I owe on XX/XX/2018. They received the dispute letter XX/XX/2018 at XXXX. In the letter it states the following : Pursuant to Section 809 ( b ) of the Fair Debt Collection Practices Act : If the consumer notifies the debt collector in writing within the 30-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer  requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

After they received my dispute letter they flagged my credit report again as a collection account. In states that all collection activity is to cease until they validate this account and proof it is mine. They did not abide by the law. 

Please pay attention to all the dates on my attachments.
Consumer complaint received 2023-01-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ATLANTIC BAY MORTGAGE GROUP LLC (SC)

I applied for a loan to purchase a condo in South Carolina with Atlantic Bay Mortgage with XXXX XXXX. In the beginning, I secured the transfer of my job to the new clinic XX/XX/XXXX which was prior to closing on the XXXX. Note : I would have been agreeable to postpone closing should it have been necessary. I had notified all parties of the confirmation letter of my acceptance of the secured job but XXXX XXXX proceeded to process the loan as an investment rather than a primary residence. This IS my primary residence. I DID provide proof of employment and confirmation of the transfer. It appears it would have been too much trouble for him to save me any money on the loan by processing it as a primary residence because it had already done the work for an investment loan.
Consumer complaint received 2022-04-05
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: AMERICAN HONDA FINANCE CORP (NJ)

I pulled my credit reports in XXXX of 2022 to see what is on my credit due to my credit scorXXXX being so low. Upon receipt I noticed multiple fraud accounts with opened and closed statuses. I reached out to all the creditors with no relief, so now I am submitting a formal complaint.
Consumer complaint received 2024-02-15
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Comerica (CA)

Please see exact dates in the attached document. 

Late XX/XX/XXXX, we tried to transfer money out of our Direct Express account, but were denied multiple times, even though their website explicitly states that we are able to. They required verification documents consisting of a photocopy of my drivers license and my bank statement showing my account and routing numbers, which we also sent multiple times.

With no other options, we called DirectExpress multiple times, and they said the same thing, to keep sending in the verification documents. Finally, we asked them to close our account, in which they told us to contact the Social Security Administration. We contacted the SSA, but SSA told us only Direct Express has the authority to close our account and give us our money. We relayed this information to Direct Express, in which they told us to keep contacting the SSA.

Direct Express then sent us an email and letter claiming that if we do not respond to their communication in regards to this issue after XX/XX/XXXX, they will consider this matter solved. This is completely false ; we have responded to all their attempts at communication through text and email, but they were the ones who did not respond back to us. This is EXTREMELY shady. 

Please see attached document for exact dates and screenshots of our text and email conversations.
Consumer complaint received 2018-04-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lockhart, Morris & Montgomery Inc. (AR)

On XX/XX/18, I was getting preapproved for a home loan. The loan officer called me back and told me I was denied for low credit score and that there was a debt collector that had sent me to collections in the amount of over {$6000.00}! I told her I had no knowledge of it and I will try and straighten it out. I filed a dispute with the credit bureau and told them that I didn't have any knowledge of the account. They're investigation turned out in favor of the company Lockhart Morris and Montgomery, with them telling the credit bureau the account belonged to me. I then wrote the company on XX/XX/18 disputing the account and asked them to verify it and send me any paperwork that I had signed with them, Lockhart Morris and montgomery and they sent paperwork to me from XXXX XXXX. They still didn't tell me who they were. So I rewrote them again disputing the account and asked them to send me paperwork from them showing I signed anything with them. This time I decided to call and spoke with XXXX XXXX on XX/XX/18, and I asked him when did they send me a letter or had their first communication with me since I am the cosigner on this loan. It took him several minutes and when he returned back to the phone he told me that from what he could tell, they never sent me a letter not have they communicated this debt to me. So I sent them another letter dated XX/XX/18 where I told me they had violated the FDCPA guidelines and they sent me another letter that I received on XX/XX/18 and they responded back saying they were not going to investigate it and that the letter was similar in nature to the other letter. This is a false claim because the other letter was dealing with me disputing the letter and calling it fraud because I had no knowledge of it and the latter dealt with the FDCPA violation ; two separate letter two different reasons.
Consumer complaint received 2018-04-02
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. (WI)

I found out I was part of the equifax breach. My credit score keeps dropping, but I have no late payments. I did not sign up for their free credit monitoring or anything. What are my options. I would like to sue them for this. Please let me know. 

XXXX
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (TX)

I previously filed a complaint with CFPB in regard to Navient negatively reporting on my XXXX credit report. XXXX blocked me from filing a complaint on this account with reporting # XXXX. This account was previously disputed and updated reflecting paid as agreed on account # XXXX. This information is reporting negatively since XX/XX/XXXX which was the last update on this account. This is a old account opened since XX/XX/XXXX and still impacting my credit score XXXX day to XXXX day past due. This account need to be deleted.
Consumer complaint received 2020-05-14
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. (GA)

XXXX  and Transunion are displaying a serious delinquency of 60 days or greater in violation of the of the FCRA. 

Backstory : I was entitled to the post XXXX XXXX XXXX  and the school, VA Education Office, and VA DMC reported a BAH ( basic allowance for housing ) overpayment of XXXX which they sent to collections in XXXX of XXXX during their internal retroactive audit. I graduated in XXXX. According to the VA, the school I attended allegedly adjusted a course I was enrolled in which led to the BAH overpayment. They VA are fixing their internal process issues as they have antiquated notification systems. I had paid it immediately when XXXX via XXXX XXXX notified me of the account with no will for evasion. 

On topic, this was an overpayment and not a loan, so it is erroneously being reporting as a collection because I never agreed to borrow that money. An overpayment doesn't constitute money borrowed and legitimately can't be reported as collections for debt. 

I am handling the details of the VA 's failure with the state via constituent reporting to the offices of the Senator -- but it will take time. I contacted XXXX  and Transunion multiple times and they have not corrected disputes via their online system given the details that this was an overpayment nor have they responded proactively. XXXX  shows my normally " very good '' score so I do not have any issues with them. 

I feel this is a direct violation of the fair credit reporting act as it is a false identifier of my credit and is causing me financial burden. Thank you.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX sent me an offer to the balance during the COVID pandemic. I paid the balance. It was XXXX. The reported to the credit bureau a balance of XXXX. 
They also sent me a 1099 tax liability to for the amount I paid which was the XXXX for XXXX  taxes
Consumer complaint received 2023-01-30
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. (NC)

Please update personal information which I saw your credit bureau to be missing or incomplete. 
I see that my personal information you are reporting is not accurate and that concerns me as a consumer. This is inaccurate. I am asking that you help me have this inaccurate information. 
corrected. 
Name : XXXX XXXX Address : XXXX XXXX XXXX Social Security Number : XXXX DOB : XX/XX/1990 Current employer : XXXX  This is the only information that should be reporting as it has to be accurate in order for it to be retained and reported. Since my banking institutions and credit card companies have this correct information, so should you in order for it to be correct and truthful. 
Please mail me a new and updated credit report once corrected.
Consumer complaint received 2018-04-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Delbert Services (VA)

This company was formally " XXXX XXXX '' There was a settlement for XXXX according to the Virginia Attorney General 's office. Now they are operating under the name XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX. I have filed a previous complaint ( # XXXX ). They sent me a payment arrangement schedule.
Consumer complaint received 2018-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (MD)

Ally financial is the company were having problems with Ally financial is reporting to the credit bureau for my wife and I that we were 30 days late on our XXXX XXXX and 30 days late on a XXXX XXXX when I called financial I told them that I have two letters from my credit union stating that this was a error of theirs. The air was that my wife and I have automatic bill pay and there was a glitch in their bill pay system which calls the payments to be late to Ally financial I have spent six months trying to get this problem resolved I have been told that this was going to be taken off my credit report then they said it wasn't going to be taken off the credit report I have faxed six sets of this letter as they requested in the still no avail Their customer service is been very poor and in accurate it seems like the left hand doesn't know what the right hand is doing since this was not an error of my wife and I and I provided documentation and proof that it was not our fault we've asked them to remove these derogatory comments off of our credit report which are hurting my wife and I 's credit score. I happened like two numerous times and have been treated like a third class citizen for something that we didn't take part in our credit report is good but it has taken a beating for a credit score I really need your help in trying to straighten this out because we are at wits end now
Consumer complaint received 2021-08-09
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. (IL)

I perviously made a complaint about this issue with TransUnion. They closed the complaint stating they needed authorization from me in order to move forward with the complaint but when i called today on XX/XX/XXXX i spoke with agent XXXX XXXX about my CFPB complaint id # XXXX and i was informed it was closed completely. After reviewing my consumer report again i see that TransUnion willingly and knowingly agrees to take action against my federally protected rights. Pursuant 15 USC 1681a ( 2 ) ( A ) ( i ) Any report containing information solleey as the transactions or experiences between the consumer and the person making the report should be excluded. Person is defined in 15 USC 1681a ( b ) Any individual partnership corporation trust etc. I am the consumer and XXXX XXXX XXXX  XXXX XXXX  ( XX/XX/XXXX ) and XXXX  XXXX, XXXX ( XX/XX/XXXX ) is the corporation in this case Which puts you in violation reporting late payments. TRANSUNION is also using criminal means to harm my consumer reputation by reporting late payments on these accounts violation 15 USC 1692d ( 1 ). I am demanding that you remove the late payments listed below from my consumer report immediately as it is is a violation of my rights as a federally protected consumer under title 15 Chapter 41. Also labeled as exhibit a is proof of the violations and attached is a updated copy of the late payments still being reported