davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-08
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: TD BANK US HOLDING COMPANY (MI)

TD Auto Finance- Inquiry XX/XX/2021 This is a fraudulent inquiry on my credit report Ive been trying to get it off for months now I reached out to all 3 credit bureaus and the company already about this
Consumer complaint received 2021-05-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (MD)

I made payment on the XXXX of XXXX for XXXX XXXX it was debited from my account on the XXXX I was told by Wells Fargo I didnt have funds to cover it in my account when I did XXXX notified me that the payment was immediately debit from account but Wells Fargo hit me with over draft fee of XXXX XXXX  also I made payment on XXXX XXXX that was immediately debited from my well Fargo account and because at the time it was money there to use my XXXX XXXX which do not place a hold or wait period its immediately debited from my Wells Fargo account also I can not even use my XXXX XXXX  if there were not funds in there to cover it Wells Fargo is stealing my money I want to report it and file a complaint
Consumer complaint received 2019-08-19
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. (MD)

All the three credit reporting agencies , Equifax, XXXX  and XXXX XXXX  have wrong info on my files. I was a victim of identity theft and all the negative reports on my credit are all not mine. I reported being a victim of identity theft { someone used my name address and even my picture to obtain these accounts which are listed on the files.
Consumer complaint received 2017-11-04
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. (NY)

I wrote to Equifax, notarized and certified mail. Stating that there are inquiries that I do n't recognize and I did n't authorize or signed any documents. Therefore I want them deleted, they wrote back stating that a third party may access your Equifax credit file to assist in the underwriting of your request for credit.
Consumer complaint received 2017-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION (MS)

I contacted Navy Federal several times advising them that they have a written off account that is not mine and is reflecting on my credit report I was never responsible for the account and requested many time for them to delete the written off account since I was an authorized user and not the account holder but as of today 's date they have refused to delete the written off account from all 3 credit bureaus this is not my account and I was never liable to pay for this credit card nor did I ever sign anything pertaining to this. If I was responsible for this account i would have never been an authorized user I would be a joint account holder. I have never received a bill pertaining to this account in my name and as of today 's date I was never contacted. I am still trying to understand how can I have a written off account when I was never contacted to get an account current. This is causing my credit score to be lowered.
Consumer complaint received 2020-10-27
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Tenaglia & Hunt, PA (NY)

earlier this evening i was trying to speak with this collection agency about disputing the debt because they failed to validate the debt. with a third party on the line also the debt collector fully disclosed my debt without asking my permission to speak about it with the 3rd party on the line. i informed the collector that her first communication was using the threat of sueing me to get me to pay the debt is a violation of fdcpa. i tried to tell the collector that she had the wrong information. she informed me that since i am disputing this debt i have to send a request in writing. this company failed to send me validation since receiving my account in XXXX and even now refused to send me my requested information. there are many more stae laws and regulations that this company violated and im really upset over it.
Consumer complaint received 2020-10-27
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: CURO Intermediate Holdings (IL)

It was removed from two credit bureaus my XXXX  and my transit still sits on my XXXX  account Im Requesting that it be removed from My XXXX  at once it was fraud account open up not by me thank you Company XXXX XXXX XXXX Amount of debt : {$160.00} Collection agency Account number : XXXX
Consumer complaint received 2021-09-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (NJ)

I applied to Citi mortgage on XX/XX/21 to refinance my existing loan. Since then, I am getting regular requests to provide monthly statements and other documents that keep expiring as Citi is unable to close the loan. 

My loan has been in the C & I Approval Final stage since XX/XX/21 and Citi keeps moving the date back to actually close the loan. The process has been tremendously frustrating. I have asked multiple times to provide me clear instructions on what's needed and when the loan will close, but there is no clarity on this matter. All the documents that I originally provided are expiring as they are usually valid for 4-6 months at most.
Consumer complaint received 2019-08-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (IN)

In XX/XX/XXXX, my daughter asked me to co-sign for a {$7500.00} student loan for a XXXX XXXX school. My daughter passed away on XX/XX/XXXX with an outstanding balance ( due to a bankruptcy in which Navient wasn't included, supposedly due to being a Federal loan ) of {$7800.00}. I notified Navient of her passing and was told to fax her Death Certificate and loan would be discharged. I continue to monitor my credit scores and this Navient claim continues, so I continue to call. Over my calling Navient, I get Customer Service individuals pressuring me for payment as was a co-signer. I have contacted other Navient phone numbers and was asked to resubmit her Death Certificate, which I did and as recently as yesterday was told that the loan would be discharged soon. I have never received any mail, or phone calls from Navient, only my persistence in trying to get this cleared from my credit, I'm almost XXXX years old, on Social Security, and still upset on the death of my daughter, to get put through a company that gives incomplete and different answers. Most of those demanding that I must pay are impolite and curt. With all of the indecision as to the loan discharged, or not is upsetting.
Consumer complaint received 2019-08-19
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)

All the three credit reporting agencies , XXXX, XXXX and Trans Union have wrong info on my files. I was a victim of identity theft and all the negative reports on my credit are all not mine. I reported being a victim of identity theft { someone used my name address and even my picture to obtain these accounts which are listed on the files.
Consumer complaint received 2019-08-20
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. (GA)

There are several accounts on my credit file that I did not open. I'm not sure how these companies allowed someone to open accounts without my consent. I would like for the several companies to please provide CFPB and myself the applications used to obtain credit and along with a copy of the identification that was used. Equifax, XXXX  and XXXX has reported this information to my credit file in error. The account are as follows:  XXXX/XXXX/XXXX XXXX/XXXX/XXXX , XXXX XXXX, XXXX XXXX(2 accounts), XXXX XXXX XXXX and XXXX XXXX XXXX. Also there are many inquiries on my credit report as well please remove them as well from XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2018-07-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Family First Funding LLC (NJ)

On Friday XX/XX/XXXX my client closed on her property XXXX XXXX XXXX XXXX XXXX XXXX. 
The closing was very rushed and changed last minuet as per the mortgage company. They insisted we change to " their Title company '' because they needed to close on this day or the clients lock would expire and they current title company was not cleared to be a vendor for them or something of that nature. All that being said, when my client went home, after closing on the home she purchased after selling her house in XXXX XXXX, she realized the XXXX was incorrect and said the sale price was {$220000.00} and in fact was supposed to be {$220000.00}. The contract and Deed say {$220000.00} however thinking it was a typo I immediately emailed Title and Mortgage  of the error. Monday morning XX/XX/2018. I called the Mortgage company and they admitted they were wrong and made a mistake and would have the check to her by Tuesday or Wednesday. It is Friday and now they are trying to blame the realtors and not make up the difference, I feel there is so much wrong on this file someone needs to stop these people from their gross negligence and the lies they keep telling! The title company is XXXX XXXX XXXX XXXX XXXX, XXXX , NJ XXXX and the Mortgage Company is FAMILY FIRST FUNDING, ,LLC CONTACT INFO IS XXXX XXXX XXXX XXXX Please Help.
Consumer complaint received 2018-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (NJ)

I am writing to you to request that you remove the following unauthorized inquiry from my credit report. 
XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY
Consumer complaint received 2018-07-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC (MO)

I noticed a negative entry on my credit reports which was reported by Receivable Management Services, XXXX. regarding an alleged debt of {$78.00} owed to XXXX XXXX XXXX. I disputed the information with the three major credit Bureaus and Receivable Management Services on XX/XX/2018. The three major credit bureaus did not respond to my request for investigation, nor did Receivable Management respond to my debt validation request. I called XXXX and spoke to a representative who said she saw on the account that there was no balance. I was also able to locate a statement from XXXX showing that this amount was paid and was sent to collections by mistake. We did not owe this amount to begin with because our policy cancelled and we were not covered during the time in which this charge was assessed for. Under Arkansas code, the state in which we lived in at the time, " Consumers shall not be charged for services for which they did not receive. '' We were not covered during this time and we do not owe the balance claimed. It was by mistake that it was sent to collections and this collection agency has been willfully non-compliant with my request per the Fair Debt Collections Practices Act. This entry has been previously removed by the credit bureaus in the past due to a lack of production of documents verifying the validity of this information. A formal dispute has recently been filed under Section 623 of the Fair Credit Reporting Act with XXXX XXXX, as well as a Creditor Declaration and Request for Production of Documents, to investigate the accuracy of the records for this account and to substantiate the collection agency 's claim of a right to report this information.
Consumer complaint received 2018-02-28
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: U.S. BANCORP (MN)

There are two inquiries on my credit report I disputed recently through XXXX XXXX inquiry assist letters to US Bank 4-5 months ago for two different inquiries one of XX/XX/XXXX the other of XX/XX/XXXX and the company has not responded ...
Consumer complaint received 2020-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

My first name is misspelled on my credit report. An address I never lived at is listed on my report. I have tried multiple times to get Equifax to fix it and they claim it is fixed but the wrong past address is still there and they just sent me by USPS a letter addressed to the misspelled first name. 

I filed a complaint with the CFPB a few weeks ago and the company 's response had nothing to do with my complaint. 

Equifax CAN NOT BE TRUSTED with sensitive credit information.
Consumer complaint received 2022-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX, Account # XXXX ( XXXX XXXX XXXX  ) Account # XXXX ( XXXXXXXX XXXX  ) Account # XXXX ( XXXX XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXX XXXX XXXX ) The Accounts above Has violated my rights. 

15 U.S.C 1681 Section 602 A. States i have the right to privacy 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TCF NATIONAL BANK (GA)

The co-owner of an auto loan with Gateway One Lending & Finance filed Chapter XXXX bankruptcy which was granted XX/XX/XXXX. I, the party that did NOT file bankruptcy, continued making payments for several years with no default whatsoever before, during, or after the bankruptcy of the other party. No negative information transpired to my credit report throughout the life of the loan until I paid off the vehicle. I made my regular payment in XX/XX/XXXX, and on XX/XX/XXXX called and paid off the remaining balance. I then get a notification that my FICO score dropped from XXXX to XXXX which is how I found out that Gateway incorrectly charged the account off and report as XX/XX/XXXX being a serious delinquent payment. I have tried numerous times calling and they have advised that the account is protected under bankruptcy law and this is the way it is. They have dragged me down as if I was the one that filed bankruptcy and as if they never received payment for any of the months. They never sent me any statements or mail regarding the account. I could not see my transaction history online and had to call and request it. With that being said, they sent me one transaction history which was then revised after the dispute and I was sent a second "CORRECTED" transaction history of the loan.
Consumer complaint received 2018-10-02
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I checked my credit report and Portfolio recovery Associates has two accounts reporting These accounts are not mine I have asked portfolio recovery associates for verification and all I have got is fake screenshots of billing statements for both accounts. I have no obtain the proper information for portfolio recovery Associates to collect. 

These accounts are also not reporting correct on my credit report, theyre reporting these accounts as open and a factoring company they are a debt collection company. 

Im asking for complete payment history the requirement of which has been established via XXXX v XXXX XXXX XXXX XXXX ; XXXX XXXX. XXXX XXXX XXXX and Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor. 

Letter of sale or assignment from the original creditor to Portfolio recovery Associates.Letter of sale or assignment from the original creditor to your company. ( Agreement with the client that grants you the authority to collect on this alleged debt. ) XXXX v. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX., XX/XX/2002 ) - Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. 

Intimate knowledge of the creation of the debt by portfolio recovery I expect all reference to this account be deleted from my credit report
Consumer complaint received 2018-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX is the company on the credit file. Transunion is the company that will not do what is correct. They have reported an inaccurate late payment and I have contacted them and the credit bureaus. They have removed the account from XXXX and XXXX with no problems. Transunion keeps coming back with the account being verified when they have admitted it's an inaccurate late remark and was supposed to be removed. They are refusing to remove it and can not provide proof of the late payment. Neither can XXXX XXXX.
Consumer complaint received 2019-08-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pinnacle Asset Management, LLC (NV)

I called this collection agency after haven received a mailed document that I owed money to a previous apartment complex. The amount was erroneous. I wrote them in the allotted time; provided the copy of the lease that showed I had XXXX in deposits that was not being deducted from the balance. In a phone conversation they agreed and advised that they would be sending it back to the apartment complex for review and adjustment. Two weeks later they called my cell again requesting the wrong amount. I advised XXXX if she could read the notes and advise me what happened to the investigation. She could not. Instead she advised me that I didn't need to be so hostile. I was not. She advised me that since I was refusing to pay....I advised her per my letter to XXXX at no time was I refusing to pay my bill, I am refusing to pay the amount because it is not accurate. I asked to speak to a manager. XXXX  came on the line pretending to be a manager. XXXX advised me there was no investigation going on it wasn't ever returned to the apartment complex for an adjustment and I would pay the XXXX if that's what I wanted but the account wouldn't be considered paid off. He then said let me get you to a manager because I don't like the way this call is going. And put me on hold. In comes XXXX XXXX. XXXX  regurgitated the same things her coworkers said. At this point in frustration I yelled out as she kept talking over me!! These employees and this company are disgraceful!!! I have never experienced such rudeness and disrespect or lack of assistance in getting this matter handled. If I don't owe the amount, all they have to do is bring it back to the apartment complex for an adjustment and I would pay the final bill, which I still intent to do on the XX/XX/XXXX. I can't believe that XXXX XXXX is allowed to do business like this.
Consumer complaint received 2021-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XX/XX/2021 I sent a letter toXX/XX/XXXX, Transunion,XX/XX/XXXX and XXXX XXXX Risk Solutions to dispute bankruptcy. XXXX XXXX did respond to my dispute saying that they were unable to verify the accuracy of the bankruptcy, so they deleted the record immediately. Also, XXXX XXXX sent me a letter saying they tried to contact XX/XX/XXXX but they did not respond. I started the dispute since XXXX but the 3 Bureaus never responded to any of my letters regarding my dispute. Please help me reach out to the Bureaus because they ignore my request. I have applied for mortgage for several times but I always got rejections. I am really looking forward for your help anent this matter.
Consumer complaint received 2019-08-19
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CT)

I have an amazon store card through synchrony bank and I have recently had my credit limit reduced even though I have good standing with synchrony bank and this card. I have never missed a payment or been late. They have reduced my credit limit which is financial profiling and bias. I have every intention of maintaining my good standing with this card. I think it’s discriminatory to reduce my credit limit and bring it down to the exact balance so I have no room and the interest will put the card over.
Consumer complaint received 2022-04-28
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (MI)

Fay Servicing has illegally obtained my personal information and mortgage information from XXXX mortgage. Fay Servicing has failed to show any proof of legal contract ( XXXX contract and not XXXX ) in which they have the right to obtain or have my permission to have my personal or mortgage information. By failure to do so they have committed identity theft. They do not cease and desist all activities. And have a third-party of my choosing remove all my personal and mortgage information. Legal actions will have to be taken through Illinois state prosecutor 's office, the IRS and the FBI.

Failure to do so could also lead to additional charges in connection with embezzlement and misappropriation of federal government stimulus money by XXXX mortgage XXXX mortgage did not have legal right to sell/transfer mortgage without my permission. All payments have currently been paid to XXXX mortgage as shown in the pay stubs in attachments. 
Proof of this will be shown XXXX or legal action will be taken