davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-04
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. (FL)

XX/XX/2017 Equifax XXXX XXXX by XXXX XXXX XXXX did an Hard Inquiry on my credit report. They never informed me that they where going to pull credit. XXXX had just started conversation about rates and terms when all of sudden they must have pulled my credit report without me knowing.
Consumer complaint received 2018-12-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.M. Galicia, Inc. (CA)

I was never notified that I had debt in collections with this company. I was unaware that I had collections accounts open through XXXX XXXX XXXX until I was trying to purchase a vehicle on XX/XX/2018 and XX/XX/2018, and was repeatedly turned down for financing due to a poor credit score. Only then did I learn that there are 7 collections accounts open in my name from this company, totaling a crippling amount of {$73000.00}.
Consumer complaint received 2016-07-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CA)

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2015-05-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (MI)

I asked for a dispute on XXXX for XXXX XXXX XXXX of Deed about a tax lien placed on my credit report. I called the number listed and it was the wrong number, I found the XXXX XXXX XXXX of Deed office and they did not have a tax lien against me. I gave that information to Experian and they refuse to remove the item, nor did they follow up on the information. I again am trying to dispute this item and they refuse my dispute. The same information was given to XXXX and XXXX and they verified and remove the line item on my credit report.
Consumer complaint received 2017-04-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

Loan Number :  XXXX  Loan Servicer : Ocwen Loan Servicing LLC  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL.  XXXX  Loan Owner :  XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX  rate has been considered a Predatory rate currently at 8.37500 %, the rate has increased base on the  XXXX  market ( "  LIBOR '' ) as published in the Wall Street Journal not the Federal rate. These type of loans were under the scrutiny of the Government and were sup posed to be eliminat ed. The Servicing Company wants you to refinance the loan when they should have modified it based on the new laws. Was assigned a Relationship Manager by Ocwen but, after 9 attempts  have not had any communication with her (  XXXX   XXXX   XXXX   ).
Consumer complaint received 2021-01-26
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Upstart Holdings, Inc. (CA)

Due to inflection in use of language. I feel my loan was denied based in an unspecified biased. The company continued to try to find reasons not to fund my loan. My Credit and income met the underwriting requirements. The reason given ultimately for the denial is suspect. The verbal reason was in reference to a credit report from an alternative company. The credit report used in the original qualification matched the credit report that was claimed to have disqualified me. The company refused to give me a detailed accounting on why my loan was denied in writing.
Consumer complaint received 2019-05-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (GA)

Hello, I was inquiring about any accounts that may be open in my name and SSN # My name is XXXX XXXX and my SSN is XXXX. I'm also inquiring about any custodial account they may be opened in my son 's name " XXXX XXXX SSN # XXXX and my daughter. XXXX XXXX # XXXX. I believe the account have been open fraudulently by a close relative without my knowledge. if there are any account open under our name can you please close them immediately and send any remaining balances and final statement to the address above. Thanks for your time!!!
Consumer complaint received 2015-04-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (FL)

Equifax removes and reinserts so that WE pay big bucks but it is n't to watch others it is to watch XXXX! XXXX is supposed to be removed from my credit report. Seems only Equifax has problems reading XXXX. I have reported them multiple times to XXXX XXXX, Attorney General 's Office, as well as the XXXX to no relief. 

See letter to REMOVE XXXX from my credit report.
Consumer complaint received 2016-06-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TX)

I recently disputed the creditor XXXX '' status of showing '' Open '' and listed under ''Installment Accounts ''. This account was included in my XXXX that was discharged on XXXX/XXXX/16. 
I 've disputed this matter 2X 's with them as well as with CFPB, i was advised by Equifax on the CFPB Website that this matter was not showing in the open status, and showing currently in '' XXXX Discharged as of XXXX/XXXX/16. This is not true both myself and CFPB have been misled and told false information. PLEASE See Attachment showing Equifax Credit Report XXXX showing that this account is indeed showing ''Open '' and listed under ''Installment Accounts '' Please see CFPB Complaint as of XXXX/XXXX/16 stating ''CFPB Complaint Resolution '' I 've continue to deal with these inaccuracies as well as others on my credit report, with Equifax , these inaccuracies are not only causing an issue to my credit but to me and my family.
Consumer complaint received 2016-04-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (TX)

This account has been disputed for more than 2 months and has not been deleted. by law company has 30 days to answer a dispute and they have not. 

Item : I dispute XXXX XXXX XXXX - XXXX - this account is paid in full. Not Charge off. I have disputed and the company has taken more than 30 days to verify, please delete.
Consumer complaint received 2021-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Getting a line of credit — 
Company: Synovus Bank (FL)

Within the past few years to present day, I've opened multiple accounts with Credit Union such as Credit Cards, Personal Lines of Credit etc. Till this day none of the accounts that I opened with this bank hasn't been reported on my credit report. By this issue keep happening, my credit scores should be higher but their not. Its keeping me from purchasing a home that I deserve and work so hard to try to achieve but since accounts isn't reporting its but a damper on owning my dream home.
Consumer complaint received 2017-03-15
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: GLA Collection Company, Inc. (CA)

I was XXXX when this was opened and in a foreign country. I did not receive any notifications at all on this. I was unaware of this going to collections. Is there a way that I can just have this removed due to the Sailors relief act.
Consumer complaint received 2018-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE (IN)

On XX/XX/XXXX, I opened a XXXX XXXX checking account online. On XX/XX/XXXX, I signed up for online banking and was able to deposit {$2000.00} through the app ( mobile check ), from my other account at XXXX XXXX. By XX/XX/XXXX, I was not able to access my account online or on the app because it said that the account was locked. I called back and it was because the check was still being processed and my account was put on hold and that I should contact them by the XXXX. In the physical letter I received, it also said that I should have access to the money by the XXXX. In the meantime, I also deposited XXXX through ACH directly from the other account ; this is in order to meat the XXXX minimum balance for avoiding the monthly fee. 

I called back on the XXXX, and the representative reported that the holds department is not letting go of my account until after Friday. I called back today ( Saturday, XX/XX/XXXX ), and they now say that I will not be able to access my account until XX/XX/XXXX. I feel as if enough time has passed such that the original {$2000.00} check should have cleared through the bank. Checking my XXXX XXXX account, they sent both {$3700.00} and {$2000.00} on XX/XX/XXXX, and 8 business days has passed by since then. 

I believe a hold on the mobile check is reasonable, but even that given time frame has passed. However, I do not understand the hold on my account such that I can not log in and such that I can not access any of my money at all. Even though I have received my debit card, I have not been able to activate it in order to deposit or withdraw money ( even the amount they said was " available. '' Additionally the customer service agent hung up on me today after I told them I wanted to file a complaint with them.
Consumer complaint received 2015-07-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: CORELOGIC INC (NY)

In my credit report, it shows my brother information and mine. I think my brother and I are mix together. Some information are my brother. Please help me to correct my credit report. My phone number is XXXX. If any information want to know, connect me. Thank you!
Consumer complaint received 2022-02-11
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: ProCollect, Inc. (OK)

Procollect , INC is reporting on my XXXX and XXXX credit reports. This account does not belong to me. I have tried several times sending in my FTC report. Please send to these companies ASAP this account does not belong to me!
Consumer complaint received 2015-12-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CA)

I have attempted several times to get the tax lien removed however experian ignored all my attempts. I have applied with XXXX and got an approval for withdrawal which I sent to county of XXXX XXXX who confirmed that this is NO longer a public record and they are NOT reporting this to the bureaus which I have submitted to experian with hopes that they will remove this inaccurate information from my credit report. However, all my requests were ignored and nothing was done to correct this
Consumer complaint received 2015-11-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK (PA)

On XXXX/XXXX/15 I opened a Discover Bank Cashback Checking Account. The mailing that I received said that I would receive a {$100.00} bonus if 1. I opened the account between XXXX/XXXX/15 and XXXX/XXXX/15 using offer code " XXXX '' and 2. a minimum current balance of {$1000.00} must be met within 2 weeks of account funding. Furthermore it said that the bonus would be issued as a credit to my account WITHIN 30 days of completing all requirements. I complied with all of it when I opened the account. The rep specifically asked me for the offer code which I gave. I printed a confirmation of the account opening listing all the information ( Acct #, name, address, funding info, etc. ) which did not mention the {$100.00} bonus so I called and spoke to a rep named XXXX ( XXXX E.S.T. on XXXX/XXXX/15 ). I said nothing was mentioned on the confirmation about the {$100.00} bonus and she said that my account showed XXXX and nothing was printed on the confirmation because that offer was n't available to everyone. I have an email dated XX/XX/XXXX saying that they rec 'd my request that my bank transfer {$1000.00} as an opening deposit which would be credited to my account within 3 business days. Deposit was shown in the account on XX/XX/XXXX. Today being XX/XX/XXXX ( 30 days since XXXX had 31 days ) and my account did not show the {$100.00} bonus, I called ( XXXX ) and spoke to a supervisor named XXXX who said that the reason I did n't receive the {$100.00} was because my account was n't coded for the bonus. When I said that they had asked me for it and that I had called XXXX to confirm it, he said she ( XXXX ) thought I was talking about a different offer. XXXX chances to code the account and neither one was done correctly???? Do n't they record all these calls?? XXXX then said he would file a dispute with customer service but that would take 6-8 weeks to resolve! So, now I have to wait another XXXX weeks for their decision? AND leave the entire {$1000.00} there until then?
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OK)

This complaint serves as a follow up request to rectify the inaccurate information present on my credit reports. Enclosed are my personal documents and FTC Report # XXXX for your review. Below, I have delineated the inaccurate information by bureau : XXXX : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2021 -- -- -- -- -- -- XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. In accordance with the Fair Credit Reporting Act, I respectfully urge the removal of these listed addresses from my claim. I request the immediate deletion of the aforementioned inaccurate addresses. Additionally, I request the issuance of a corrected copy of my credit profile to the address provided. Pursuant to Fair Credit Reporting Act Section 605B ( a ), you are obligated to remove any items opened without my knowledge, consent, or authority within four business days, upon receipt of ( 1 ) appropriate proof of consumer identity ; ( 2 ) an identity theft report ; ( 3 ) identification of the disputed information by the consumer; and ( 4 ) a statement from the consumer affirming that the information does not pertain to any transaction by the consumer. Thank you for your attention and cooperation.
Consumer complaint received 2017-05-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Sprunger Law Office, LLC (IN)

On  XXXX   XXXX  of  XXXX , I was ordered to appear in  XXXX   XXXX   XXXX   XXXX  in  XXXX   XXXX , Indiana to defend myself for a credit card debt through  XXXX   XXXX   XXXX   XXXX . I appeared that day, signed in with the desk to notify them I have arrived, and was called upon in the hallway by  XXXX   XXXX   XXXX , of  Sprunger Law offi ces located in  XXXX  Indiana. The attorney did not identify himself as the defense attorney for  XXXX   XXXX   XXXX   XXXX  and asked a series of question for personal information. I assumed he was the courts clerk to verify my identity. Once he obtained his information and I had signed the documents he said  " Ok, thank  you. You are free to go. ". Puzzled I asked why I was not attending this hearing, where he then explained that he was the defense attorney for  XXXX   XXXX   XXXX   XXXX  and he had all he needed, then walked away. I then left, confused. I later understood what had happened once I received a garnishment order for 25 % of my paycheck for a total amount of {$9600.00} plus costs.   On  XXXX   XXXX ,  XXXX , I sent a certified letter to  XXXX   XXXX   XXXX   XXXX  requesting all of the documents bearing my signature to prove the debt was mine and to file a dispute. Note : I checked my credit reports the same day to verify the account had not appeared as disputed in the comment section. This certified letter was signed for on  XXXX   XXXX ,  XXXX .   My letter was then forwarded t o Sprunger Law Office, whe re  XXXX   XXXX  retuned an envelope with documents bearing my signature, but without all of the documents I requested in accordance to the FDCPA and FCRA.   I then waited over 31 days and sent another certified letter on  XXXX   XXXX ,  XXXX  stating that neither  XXXX   XXXX   XXXX   XXXX  nor  Sprunger Law Office ha ve contacted  XXXX ,  XXXX , or  XXXX  to note that the account had been disputed in the comment section. Note : This letter was signed for on  XXXX   XXXX ,  XXXX  at  Sprunger Law Office. I reminded them that neither Sprunger Law office, n or  XXXX   XXXX   XXXX   XXXX  were in compliance with the FCRA  623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ]. A s they have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other action ( or inact ion ) on their behalf may result in a sm all claims action against their company, and would be seeking a minimum of {$1000.00} in damages per violation for defamation, negligent enablement of identify fraud, violation of the FDCPA, and violation of the FCRA.   I have yet to receive any documentation of their stance for this debt removal and my wages are still being garnished.
Consumer complaint received 2016-03-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (OK)

I sent in a copy of the police report from XXXX XXXX attesting to the fact I did not authorize anyone to open a XXXX Bank XXXX in my name. Experian, XXXX, and XXXX all agreed to block it. As of today, Experian has yet to do anything. I demand that this account be blocked in accordance with federal law.
Consumer complaint received 2015-11-07
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: WELLS FARGO & COMPANY (GA)

wells fargo sent a new card to an address that is not mine and did not request refused to take false address off my account. refused to resolve problem or help me find the person that canceled my card and had a new card sent to them. told me they could not take false address of my account. no help offered status of account. do not know if crook is out running up charges on my account or not .the crook has total control they claim I can do nothing.
Consumer complaint received 2024-01-26
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: National Credit Systems,Inc. (GA)

I went to try to purchase a home and was denied because it showed that I had an open collections with National Credit SystemsXXXX XXXX XXXX XXXX XXXX XXXX ) a property in the amount of {$9900.00} that was on my credit report in collections and an eviction. I have never stayed at this property nor have I signed a lease for the property. As I stated, i'm not sure who used my information, but it was fraudulently used to obtain this property, at the time I did not have a job so there was no way that I could have even afford this property if I wanted to. I've also received bills from XXXX XXXX  ( {$3800.00} ) as well as water companies/credit card companies and I've never had a home/apartment let alone a credit card. I stayed with family because I wanted to save up to buy a home. I've been at the same address for years, and I noticed other addresses on my report all properties that I never resided at. According to 15 U.S.C 1681 it is a defamation of character because I cant get anything let alone buy a home because of it and you guys continue to report false and inaccurate information on my credit report. I've reached out to credit bureaus such as ( XXXX, XXXX, XXXX ) and I've also submitted my supporting documents in which I had to file identity theft because my information has been used by someone in whom I do not know to have this removed and not one credit bureau have yet to do a investigation, I only received the automated " This information is proven accurate ''. I have disputed it as well with third parties like XXXX XXXX, so if they have this information disputed how is it it being verified? I am disputing this account and requesting validation of debt. ( 15 USC 1692g Sec.809 ( b ) ). I am NOT requesting verification but I am requesting validation. I request that you provide me with evidence of the debt, including the results of your investigation. I have been battling with this for 3 years now and it is very troubling, I can not even get a place of my own because of it and this information is fraud and a defamation of character!!! After reviewing my credit report I must inform you that I am NOT responsible for the above listed accounts as I have been a victim of identity theft. I have already notified both my local police department and the Federal Trade Commission by completing an identity theft report which I have included for review. Please delete these accounts from my credit report immediately!
Consumer complaint received 2016-07-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (IN)

This was a tax lien that was listed for XXXX XXXX XXXX. It was in error so I disputed the record. The XXXX investigated and reported that the lien was " Released '' but it was in-fact expunged as it was filed in error. I checked with the Court and they show it expunged filed in error. I spoke with XXXX and XXXX from XXXX who told me they use a third party vendor who they refused to identify that the vendor verified the information as being accurate. I asked XXXX what happens when the vendor is providing false information? I was transferred to XXXX ID # XXXX who stated that they disputed the information and the courthouse advised them the lien was released and satisfied. I checked with the court who advised anyone checking would be advised it was EXPUNGED and filed in error. XXXX stated they can not advise how the verified the information because it was " internal policy. '' Clearly they are not doing primary source verification which is a violation of all applicable rules.
Consumer complaint received 2024-01-26
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: Experian Information Solutions Inc. (TX)

I found some inaccurate information in my credit report after looking into it. By Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must authenticate these accounts. ( A ). It is unacceptable to regard these reporting accounts as unverified information if evidence can not be produced within the allotted time frame. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX