davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

My current interest rate is about 5.9 %. I started the refinance process with Citizens mortgage ( the branch in XXXX Michigan ) back in XXXX of 2021. I supplied my loan officer with every document that they requested. Now we are towards the end of XXXX and I have not closed on my loan yet. Had my loan closed, I would have saved a considerable amount of money. I have requested that either we close or my appraisal fee be refunded to me so I can go to a different organization. Despite my multiple attempts to get a hold of anybody that can help me, no one has responded to my phone calls or emails.
Consumer complaint received 2021-05-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONRAD CREDIT CORPORATION (FL)

ACCOUNT NUMBER # XXXX I sent a debt validation letter on XX/XX/2021 to Conrad Credit Corporation located at XXXX XXXX XXXX XXXX XXXX, CA XXXX and they received my request via certified mail on XXXX company has failed to validate this debt by not responding at all. 

Please provide the following validation of debt request : - Proof of your right to own/collect this alleged debt - Balance claimed including all fees, interest and penalties - Contract bearing my personal signature If you can not validate this debt you must delete this information from my credit file and cease all collections activities immediately.
Consumer complaint received 2021-09-22
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. (DE)

Reference to complaint # XXXX, XXXX XXXX XXXX  ignores my main concerns, that is to send me proof of validation from data furnisher, XXXX or court, but they continue to delay or ignore.
Consumer complaint received 2021-04-07
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: EQUIFAX, INC. (TX)

Equifax is reporting that I have disputes and settle disputes on three of my revolving credit cards as comments these comments need to be removed because I did not request any comments and there is no legal reason the comments should be on my credit report especially on XXXX because its a brand new car along with XXXX and XXXX so theres no reason to dispute these new cards they are manipulating credit report
Consumer complaint received 2021-09-22
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. (NC)

The company EQUIFAX included on XX/XX/2021 in my credit score a dispute that affects my score without my approval. Unfortunately, this situation affects the acquisition of services and goods for the well-being of my family. 

I ask that the information about XXXX XXXX XXXX, XXXX be deleted from my credit report. Thank you
Consumer complaint received 2020-11-16
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: EQUIFAX, INC. (FL)

XXXX XXXX co and XXXX XXXX XXXX broke law andfair debt collections practice they said i was served with court documents but i was not uneven in town i sent demand letter asking for all negative reporting and court documents to be removed they agreed. Credit bureaus have failed to remove from report
Consumer complaint received 2023-01-23
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. (MD)

This is XXXX XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. these accounts need verification and their late payments updated. 

Here are the aforementioned accounts XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$15000.00}
Consumer complaint received 2020-10-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (CA)

My husband and I have joint protection on our Home Equity Loan from Well Fargo Bank, which is clearly stated on our contract that we signed on XX/XX/XXXX. Our Home Equity Loan is being paid monthly through an automatic payment taken out from our Wells Fargo checking account since we signed up for this loan. My husband passed away last XX/XX/XXXX and when I informed the bank on XX/XX/XXXX of my husband 's death, I was informed that my Smart Payment Plan was cancelled. The bank could not explain why this was canceled so I requested it to be reviewed. 
I requested for a review why our joint protection was canceled without my knowledge since I never changed my payment plan nor I ever signed any document that justify this request for cancelation. 
My automatic payment has been outstanding and never missed any payment. 
I was advised that it might take about 2 weeks to pull the contract to be reviewed. 
On XX/XX/XXXX, I left a message to the Bank representative because I have not heard any responses. 
On XX/XX/XXXX, I got a call back from the bank stating that there was no updates yet and he said to check again after a week. 
On XX/XX/XXXX. I called the bank for a follow up and left a message. 
On XX/XX/XXXX, I called again and spoke with the bank rep and I was told that there was no updates yet and that he will escalate it and will provide a call back on XX/XX/XXXX. 
I did not receive any updates the following week. 
On XX/XX/XXXX, I got a call from the bank rep stating that the Smart Payment Plan was canceled at my request on XX/XX/XXXX. I told the bank that I did not sign any cancelation and that my automatic payment is still going on up to date. And my automatic payment amount remains the same since the first payment of my loan. 
He provided me with a copy of my contract that has the joint protection and a copy of a notice where it says the Smart Payment Plan has been waived. 
Your help is much appreciated and thank you in advance.
Consumer complaint received 2021-05-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

Deposit of {$1000.00} was sent at XXXX XXXX Monday XX/XX/XXXX, trading is allowed until payment clears, before the payment cleared 1 day later, I attempted to sell the bitcoin I had bought with my remaining balance, I wasn't able to sell my bitcoin, the platform showed I had bitcoin but treated it like if it was stuck on an open order, I did try to set a limit order but it didn't go though. After that my funds cleared today and I'm still unable to withdraw or trade my bitcoin Case:XXXX I sent screenshots of the issue
Consumer complaint received 2017-09-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN HONDA FINANCE CORP (OH)

Honda Financial extended an auto lease for a period of one year for a co-signer without my signature or permission. I was contacted by Honda collections in XXXX XXXX, Indicated I had not authorized this transaction and requested supporting documentation. 

I received by mail a copy of the contract absent of my signature and mostly illegible. Assumed the issue had been closed. 

On XXXX XXXX, XXXX my credit monitoring agency notified me my FICO had dropped from XXXX to XXXX as a result of a 60 day past due, XXXX balance. Notified the three credit reporting agencies and at least one has replied indicating Honda Financial certified the account as mine.

I did not authorized this contract and Honda Financial has not, and will not be able to provide evidence to the contrary. Please advise as to remedy options. 

Thank you
Consumer complaint received 2023-03-31
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. (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 and did not make the charge. I ask that the items be deleted Immediately to correct my credit report.
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: Experian Information Solutions Inc. (CA)

The other two credit reporting agencies, XXXX  and XXXX  corrected the XXXX XXXX XXXX XXXX negative credit reporting based on the same information that I sent Experian. EXperian failed to change my payments to " OK '', like the other two agencies, thus creating a lower score by more than 30 points in comparison to the other two credit reporting agencies. This is malicious and irresponsible behavior from Experian. There was data available, but they want to live by their own laws in the state of /california XXXX 
I want the months that Mention " ND '', to be changed to Ok and my credit score increased accordingly.
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 — Account status incorrect
Company: Shellpoint Partners, LLC (IL)

I recently submitted a complaint to your bureau about Shellpoint Mortgage servicing improperly reporting two mortgages I have with them as delinquent on my credit report during a period in which they were under COVID forbearance. They responded that they had indeed reported those accounts improperly, and that they would be removing them altogether from my credit report. I have a third loan with them as well. It is loan number XXXX. This loan was also under COVID forbearance from XX/XX/XXXX to XX/XX/XXXX. When I filed the last complaint about the other two loans, there were no late payments reported on this loan in my credit report. So I did not include this third loan in my previous complaint. In fixing the two loans from my previous complaint, however, Shellpoint went back to XXXX and reported that I was 90 days delinquent on this third loan. Firstly, I was under their Covid 19 forbearance. Secondly, they didnt even bother reporting those dates correctly. They reported a random 90 day delinquency and all months before and after it are pays as agreed. And they need to fix the late fees they have been charging me for periods when I was either under forbearance or being transferred to deferment. I had to call 10 times before I was able to make a payment because they dont respond to email, or voicemails, and they dont pick up calls. They completely blocked me from making automated payments online and over the phone for many months. It was due to repeated emails that I was even able to make any payments once I came out of deferment.
Consumer complaint received 2017-09-21
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: JPMORGAN CHASE & CO. (LA)

On XXXX XXXX, XXXX, there was an inquiry request made by XXXX XXXX and was sent to the companies listed below. I contacted XXXX XXXX about the unauthorized inquiry and that it had to be removed because I did not authorize them. XXXX XXXX typed a letter stating that the inquiries were made in error and I did not fill out an application. Each letter was sent to the companies with my request to remove them and my request was not granted. Attached is a copy of the letter from XXXX XXXX. 

The following companies pulled my credit from XXXX : JP Morgan Chase Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto The following inquires were pulled from my XXXX : XXXX XXXX Auto Finace The following inquiries were pulled from my XXXX Credit Report XXXX XXXX Auto XXXX XXXX
Consumer complaint received 2020-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am experiencing negative credit reporting and negative impact on my credit score, this has resulting in reduced credit limit decisions on credit cards. COVID-19 has impacted my self employment. I want all negative credit reporting in 2020 removed from my credit reports from XXXX, Transunion, and XXXX. Also, XXXX is taking a long time on their Data Hacking Settlement.
Consumer complaint received 2016-05-31
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (TX)

Our problems started when Freedom Mortgage replaced XXXX XXXX manager of our VA loan. Freedom paid our homeowner 's insurance premium a second time. We were not aware of the duplicate payment until XXXX 2016 when we received a refund check from XXXX XXXX. XXXX We had not received any correspondence on this issue from Freedom. regarding their overpayment prior to received the ins. co 's refund.On XXXX XXXX, 2016 we sent a letter advising the refund and enclosed our check for {$1700.00} with a request that the money be returned to our escrow acct. The check cleared our bank on XXXX XXXX, 2016. We received a letter from Freedom dated XX/XX/2016 advising our escrow acct was being increased by {$170.00} per month to a total of {$610.00} per month. XX/XX/2016 we sent another letter asking why our payment was not credited to our account? We still do not know the answer. We have made multiple calls to Freedom multiple reps have not given any explanation in addition copies of my letters have been faxed twice to Freedom. XX/XX/2016 received letter requesting 30 days to respond to my claim, as of XXXX no response. XX/XX/XXXX rec 'd letter advising our acct in default, until {$170.00} paid. Letter indicated we would be sent to collections. To avoid late fees and possible black mark on credit history we allowed bank debit payment. Rep promised us that sup'r would call us within 2 days, still no contact. XXXX XXXX, 2016 Sent another letter with copies of my prior letters. Dispute now 3 months old, requested that we either get credit to our escrow or a cash refund within 10 days for our payment of {$1700.00}. Freedom Mort has caused us a tremendous amount of stress over their error. We are senior citizens and we feel the company is taking advantage of us with their total disregard for our rights. Their reps have apparently made no effort to correct their mistakes or to return our calls promptly as promised. Obviously, we need some help.
Consumer complaint received 2022-07-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (GA)

After careful consideration your firm that you represent " Enhanced Recovery Group has been practicing illegal credit acts.

Debt collectors aren't supposed to commit abuse, deceptive and unfair debt collection practices but your firm has done so.

By coercing me to pay on an extension of credit. This is a violation of 18 USC 894.

First thing, You do not have any lawful right to be in possession of my identifying information.

Secondly, I didn't give you consent to furnish this alleged debt, that is violation of 15 USC 1692d ( 4 ).

Coercing myself to pay you an alleged debt by ruining my financial reputation is a violation of 18 USC 894. Now because you all benefit at my expense, the debt collector, original creditor, and consumer reporting agencies are engaging in racketeering activity 18 USC 892 ( b ) ( 1 ) -Companies have no right to attempt to collect the alleged debt by way of judicial processes.

Again debt collections can't lawfully : Possess by identifying information, Contact me about an alleged debt, ruin my credit, or SUE me for nonpayment of a debt.

Please understand Debt Collector or your firm have no lawful standing. 15 U.S. Code1692i ( b ) Trying to punish me for a nonpayment of a debt by furnishing it to the CRAs is a violation of 18 USC 894 and carries a criminal penalty of 20 years.

The last thing Enhanced Recovery Group need to understand this is also aggravated identity theft 18 USC 1028A
Consumer complaint received 2023-01-11
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. (TX)

I filed a dispute complaint through XXXX, XXXX and Equifax Credit Bureaus about information being report on my file, and what the Credit Bureaus keep sending back over and over is that they verified the information and XXXX XXXX verified the account is mine. I am not disputing that the account is mine, what I am disputing is the balance that XXXX XXXX XXXX keeps reporting as being mine, it is not mine, and they are reporting it as being delinquent which has and still is affecting my credit score tremendously. I did not sign a contract with them for a credit card, the card that was sent to me by them did not have an Annual Fee, 2 months after I paid my account in full XX/XX/2022 they sent me an email saying that my account was delinquent, when I called them to find out, what that was all about, they kept transferring me around from one Customer Service Representative after another and no one could tell me why I owed a fee. I have sent Statements of this account showing the account paid in full since XX/XX/2022 to all 3 Credit Bureaus. XXXX XXXX XXXX  sent me a credit card through the mail that I did not apply for, I used the card and I paid the balance in full, there was no Annual Fee for this card. I asked them to send me a copy of a contract that I signed agreeing to pay an Annual Fee and they have not because there is not one. This is what I am disputing, the balance not that the account was mine. I have also asked them to close the account and they are refusing to do so and keep charging that account monthly and reporting it as being delinquent, I have explained this to the Bureaus and they continue reporting it on my Credit. I have worked really hard to build my credit, I have not had any late payments and because of this situation with XXXX XXXX XXXX  my credit score has gone from the XXXX 's to the XXXX 's.
Consumer complaint received 2022-08-13
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/2022 @ XXXXpm I received a Credit Alert that XXXX XXXX XXXX credit was closed out. XXXX. I immediate contacted XXXX @ XXXXpm and for 20 mins phone call conversation received the most unprefessional customer service respect from a supervisor by the name, " XXXX XXXX I encourage for her supervisor to pull that call that supposedly be recorded for quality and control. I was calling to see why my credit card was closed and she just did not let me speak and try to talk. I gave up talking to her and just knew I had my rights to compliant thru the CFPB. She said that " typically '' cards are closed after 12 months with no activity. With her disrespectful attitude I just let her go and I would like a darn good explanation why my card was closed without my permission?
Consumer complaint received 2020-12-04
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: Experian Information Solutions Inc. (MD)

On XX/XX/2020 about XXXX eastern time i called XXXX  XXXX XXXX  and Experian to kindly remove these account that arent mines and incorrect that are on credit report which is affecting my credit score but they were being rude, had me on wait for about 15mins and they just wouldn't comply.
Consumer complaint received 2020-12-09
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: Experian Information Solutions Inc. (MI)

Pulled up a copy of my credit report and seen there were some accounts that aren't mine and will need them removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, telephone number updated and remove any other names, addresses, and telephone numbers that do not belong to me. The following account in dispute are listed below : XXXXXXXX # XXXX. Also, please remove ALL following unknown inquiries : XXXX XXXX XXXX via XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX via XXXX XXXX, XXXX XXXX XXXX via XXXX XXXX XXXX, XXXX XXXX XXXX XXXX via XXXX XXXX, XXXX XXXX XXXX XXXX via XXXX
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7000.00}, {$5600.00}, {$3000.00}, {$2700.00}, {$3700.00}, {$1200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7000.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5600.00} -This is not my account. 

3. XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

4. XXXXXXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$2700.00} -This is not my account. 

-- COLLECTION ACCOUNTS 5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3700.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$1200.00} -This is not my account.