davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TN)

On XX/XX/XXXX I went to apply for a mortgage loan and the lender informed me that I was denied due to not having a credit score or history with Equifax. I immediately contacted Equifax and after several unsuccessful attempts of trying to verify my identity I was told I would need to fax over my identification and other documents to verify my account. After faxing the documents in I was told I would need to wait 7 businesses days until everything could be processed into the system. After waiting a full 14 business days I was then told to try back later because they still did not have the documents or to try resending them. I eventually was able to successfully reach an Equifax agent through the Equifax Mortgage department who after verifying my identity informed me that nothing had been reported to my account since XXXX, they did not have an address on file for my account and the issue was not on their end that I should try to contact my creditors and make sure they are reporting to Equifax. 
After contacting both creditors they assured me they were reporting to all three major bureaus and XXXX XXXX even went as far as to call Equifax with me on the line and Equifax told us that they were unable to disclose any information at this time and I should try back later. 
At this point with no clear issue or direction I am unsure which route to take. Both XXXX XXXX and XXXX  have all of my data on file and are accurately reporting my debt, According to Equifax the issue is not on their end but Myself and no other creditors are able to pull a report or score from them and they refuse to provide me with any clear direction. My family and I are in jeopardy of being displaced and the one major credit bureau whose in control of credit monitoring refuses to resolve this issue that they have caused.
Consumer complaint received 2020-08-26
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: AMERICAN EXPRESS COMPANY (FL)

I have a loan with AMEX, XXXX, and XXXX I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, AMEX, XXXX, and XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-26
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: CL Holdings LLC (FL)

I have a loan with XXXX XXXX XXXX and JEFFCAPSYS ( Original Creditor : XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX, XXXX XXXX XXXX and JEFFCAPSYS ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2016-12-11
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

We are under contract to purchase a Condo. On XXXX XXXX, XXXX we submitted a mortgage application to Citizens Bank N.A., XXXX XXXX, XXXX XXXX XXXX, XXXX, RI XXXX for {$190000.00}. We are putting down 20 %. To date we still have not closed. They have put all kinds of conditions on this mortgage. Our credit ratings are all in the XXXX 's and have over {$150000.00} savings in the bank. We own a rental condo in XXXX which is fully paid for and the same tenant has lived there over 10 years. Our debt is under {$15000.00} except for the home we current are living in which will be sold when we move. We have approx.. {$150000.00} equity in these XXXX current properties. We have an annual income of {$90000.00} per our XXXX federal income taxes. I work for the Town that we live in and have been there over 16 years. I have no current plans to retire anytime soon. I am in the XXXX pension and XXXX deferred Compensation programs and have been for the 16 years I have been employed by the XXXX. My husband is retired. This bank has dragged their feet and made many demands which we have meant every one. Now they have approved us for an {$80000.00}. mortgage with no explanation why. I have pressured them for an explanation and now they are saying it was because we had a loss on the XXXX condo. The loss on the condo last year was {$4300.00}. of which {$1500.00} was depreciation meaning they are denying us the full amount of the loan for a loss of {$2800.00}. This property has now been paid off per their demand so there will not be a loss on this property this year. I feel that we have been age discriminated against. They requested copies of our XXXX driver 's license so they know that I am XXXX and my husband is XXXX. We want to move into a condo because our current home is on over an acre of land and has a long driveway. I no longer want to spend my free time mowing which takes almost 3 hours a week and we have the driveway plowed but still have to shovel the sidewalk and the back deck so our small XXXX dogs can get off of the deck. If we do n't close on this property we will lose our {$10000.00} deposit and there are many other fees which we will be responsible for.
Consumer complaint received 2017-03-05
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (TX)

I signed up for american express platinum card on XX/XX/2016 because i saw them advertise ( XXXX Membership Rewards Points if you spend $ XXXX in the first 3 months ). After spending $ XXXX in 2 months, i was awarded the points. When i went to redeem the points, XXXX put a block on the points and are investigating my account. I called them and see what is going on but was not given any reason or timetable to when the investigation will conclude. This is false advertising. I paid all my bills in full and my balance is XXXX. I did not do anything wrong to be treated like this. I have many XXXX cards and this is the first time i 'm being investigated. 
please help
Consumer complaint received 2017-06-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ORG GC GP BUYER, LLC (CA)

On  XXXX   XXXX ,    2017  I received another letter from  GC Service Limited Partnership af ter I had explicitly expressed to them and the original creditor that this debt was a result of identity theft. I have provided  XXXX  and GC Services with all the necessary documentation including a Police Report, FTC Identity Theft Affidavit, CFPB Complaints, FTC Complaints, Identity Verification Documen  ts i.e. State ID & Social. After receiving all the necessary docum
entation from me to block this fraudulent account from my credit profile per 605B o  f the FCRA they had removed it from my credit report.
<P/>
All though they had removed it from my credit report they continued to harass me via mail for what is now almost one year. They have recently bega  n to call my phone again twice a day every day for the last month trying to collect on a debt that is deemed fraudulent. This willful negligence is now causing damage to my person and there bombardment of calls is now effecting my quality of life. I will be seeking legal remedy granted to me by Fair Credit Reporting Act and The Fair Debt Collections Practices Act.
Consumer complaint received 2017-06-09
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Hunt & Henriques (CA)

I have sent written notification to Hunt & Henriques requested they validate t  he Chain of Title and to only communicate with me in writing to my home address and to stop harassing me with calls.
<P/>  The debt they are wanting to collect on is the same debt I made a complaint on before with the CFPB. The debt was placed with an agency which misrepresented itself as a legal office and failed to provide any supporting documentation validating the debt. Instead the debt buyer placed the debt with  XXXX  separate collection agencies at the same time and each continues to contact regarding the debt.  <P/> I have supporting documentation regarding all communication with all agencies for reference.  <P/> Attorneys at Law  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX
Consumer complaint received 2022-09-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: On Q Financial (MO)

XX/XX/2022 {$14000.00} was paid to OnQFinancial from the XXXX program for COVID19 help. They are unable to tell me where the money was applied. It has been months. This is the second complaint I have filed. They do not return phone calls or emails. I have been on transferred up to 6 different people during a call with no resolution. I am on hold for up to 2 hours at a time. This is poor management and harassments. They are refusing to apply 2 payments made prior to the money sent in XXXX. I received a letter stating they would be returning it. I have never received it. I had my roof repaired and they are punishing me for a " status '' that they can not hold up to or define. This has been going on for 2 years now. I want it fixed. Please help. 

It's my belief this is fraud.
Consumer complaint received 2022-01-07
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. (FL)

I lost my wallet somewhere in XXXX XXXX ever since I lost it years later I found out my credit history is weird so I contacted the credit bureau like XXXX, XXXX, XXXX for years they never do anything about it so thats why Im here making this complaint on those companies.
Consumer complaint received 2024-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (AL)

I made transfer from my other bank account which is XXXX XXXX  and it carried my name. I made the transfer into my SOFI BANK via XXXX. Ever since i made the transfer last year XXXX till this very moment, my SOFI BANK account has been restricted, I can't take my money out nor can i make deposit or withdrawal either.
Consumer complaint received 2021-09-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

XXXX XXXX XXXX promised me XXXX a new XXXX  XXXX if I traded my car in they would use part of it as a down and the rest cash, they said oh they can do it then they change their tactics saying I need to put XXXX down I am complaining to the Nissan Motor Acceptance Corporation Fulfillment department for denying credit, I was discriminated against for credit denial, I want to purse this matter XXXX XXXX XXXX needs to give the XXXX for XXXX down, and low payments, they pressured me into trying to get it wonder if they took my trade, then I could not even maybe get my car back and would have to return the car,
Consumer complaint received 2017-06-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (TX)

I have been informed that negative information was reporting on my credit report by a collection agency with the name CMRE. I contacted this company by certified mail twice. on  XXXX / XXXX /   2017  &  XXXX   XXXX ,    2017  to get validation of debt amount owed. This company has failed to reply or send me any type of mail about this debt that they are falsely reporting on my credit report. I have received confirmation through th e USPS  that this company received my certified letters but have yet to respond in a timely manner. I gave this company well over 30 days to send me validation of debt owed on the first go round and have not received anything since. This company states I owe  XXXX  $ but I will not pay this collection agency any of my money without validation. This company have not contacted any of the credit bureaus to mark my account and disputed which now they are violation of Fair Debt Collection Practices Act &  Protection under the FCRA Section 623.    I need this to be removed from my credit report due to this inconvenience.
Consumer complaint received 2017-10-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NH)

My interest has sky rocketed, starting around 8 % now is at 10.65 %. When I would pay my payment online the automated system would say it did not go through. It would then go through partially. I would choose a specific loan of the XXXX to pay and it would disperse the payment however the program saw fit. Not allowing me to pay the largest amount to the loan with the highest interest. When I called to say I was struggling greatly with my loan payments. I am working and can not afford to pay them and eat, the customer service representative advised me to take out a loan to pay my interest payment. I have been paying my loan consistently and I owe more than I did when I graduated from college. I do not see how I will ever be able to get out of this. I am in a financial prison. I make around XXXX dollars a year and I live in poverty because of my student loans. I have no other type of debt.
Consumer complaint received 2015-05-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (TN)

I recently pulled my credit report and discovered that this company has reported that I owe them several debts to my knowledge I received not prior notification that I owed them any debt. My rights under the FDCPA have been violated as I was not granted the right of validation
Consumer complaint received 2020-05-05
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: Experian Information Solutions Inc. (NC)

I found several errors on my credit reports and sent an initial dispute to all 3 bureaus on XXXX XX/XX/XXXX to investigate the following accounts that were inaccurate : Receivables Performance in the amount of {$1400.00}, XXXX XXXX XXXX in the amount of {$1900.00}, XXXX XXXX XXXX in the amount of {$880.00} and XXXX XXXX in the amount of {$670.00}. After my initial dispute, XXXX XXXX XXXX and XXXX XXXX were both deleted from all 3 reports. 

I sent a second and third round of letters to all three bureaus in XXXX and XXXX requesting a validation of the two remaining accounts, XXXX XXXX which is a credit card debt and XXXX XXXX XXXX which is a medical debt. I asked for a re-investigation and requested to be given any documentation that shows how the balances were achieved and any documentation with my signature that they have on file that was sent from the original creditor. All 3 bureaus have failed to provide me with any documentation as requested. It's clear that they don't have any as required by law. XXXX and XXXX have also failed to explain their process of investigation or how the accounts were verified as I requested. None of them have sent me anything other than the results of the investigation. 

The XXXX XXXX debt in the amount of {$1400.00} was sold to another company, XXXX XXXX. Not only was this debt added back to my credit reports without the bureaus notifying me within the required 5 days ( or at all ) but the account was also re-aged by two years, which is illegal. They didn't provide me with documentation for a validation of this debt as I requested either. This was an unlawful re-insertion and they have failed to delete this account again as requested. 

I reached out to XXXX XXXX on XXXX XX/XX/XXXX, which is a medical debt requesting documentation that they have on file in order to validate this debt. They sent me information about my hospital visit but the document was printed from their computer and it didn't include a HIPPA release form which is a clear HIPPA violation. They do not have my permission to maintain my personal health information in their company database. The company and bureaus have refused to delete this account even after the HIPPA violation and I plan to pursue this issue further in court if this item is not deleted from my credit report immediately. 

***All letters were sent certified mail so that I could verify that the bureaus received my requests and I have documentation of all of the interactions that I've had with them if needed in the future.
Consumer complaint received 2020-07-21
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: Experian Information Solutions Inc. (GA)

There are several accounts that are reporting incorrectly on my credit reports : Personal Information : Name : XXXX XXXX XXXX  XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX  ) Address : XXXX XXXX XXXX XXXX ( Experian XXXX Address : XXXX XXXX XXXX XXXX  ( Experian XXXX Address : XXXX XXXX XXXX XXXX  XXXX Address : XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX Inaccurate late reporting : XXXX  - XXXX XXXX, XXXX  XXXX Experian XXXX ; Opened - XX/XX/XXXX ( XXXX  ) ; Opened - XX/XX/XXXX ( Experian XXXX XXXX  XXXX ; Balance - {$90000.00} ; I was never late on this account, please remove late reporting. 

XXXX XXXX  - ( Experian XXXX ; Opened - XX/XX/XXXX ; Balance - {$2700.00} ; I was never late on this account, please remove late reporting. 

XXXX XXXX  - ( Experian, XXXX, XXXX  XXXX ; Opened - XX/XX/XXXX ( XXXX  ) ; Opened - XX/XX/XXXX ; Balance - {$2600.00} ; I was never late on this account, please remove late reporting. 

USDOE/GLELSI - XXXX XXXX XXXX XXXX  XXXX ; Opened - XX/XX/XXXX ; Opened XX/XX/XXXX ; Balance - {$0.00} ; I was never late on this account, please remove late reporting. 

The following accounts are reporting either due to error or Identity Theft, Please remove the following items : US DEPT ED - XXXX XXXX, XXXX, Experian XXXX ; Opened - XX/XX/XXXX ( XXXX  ) ; Opened - XX/XX/XXXX ( XXXX  XXXX Experian XXXX ; Bal : {$11000.00} ; This account belongs to someone else or it is a direct result of identity theft. 

XXXX XXXX XXXX - XXXX Experian XXXX XXXX  XXXX Opened - XX/XX/XXXX ; Bal : {$1100.00} ; This account belongs to someone else or it is a direct result of identity theft. 

XXXX XXXX XXXX - XXXX XXXX - ( Experian XXXX XXXX  XXXX Opened - XX/XX/XXXX ; Bal : {$1100.00} ; This account belongs to someone else or it is a direct result of identity theft. 

US DEPT ED - ( XXXX, XXXX, Experian XXXX ; Opened - XX/XX/XXXX ( XXXX  ) ; Opened - XX/XX/XXXX ( XXXX  XXXX Experian XXXX ; Bal : {$3800.00} ( XXXX  ) ; {$0.00} ( Experian XXXX ; {$3300.00} ( XXXX  XXXX. This account belongs to someone else or it is a direct result of identity theft. 

US DEPT ED - XXXX XXXX, XXXX, Experian XXXX ; Opened - XX/XX/XXXX ( XXXX  ) ; Opened - XX/XX/XXXX ( XXXX  XXXX Experian XXXX ; Bal : {$8200.00}. This account belongs to someone else or it is a direct result of identity theft. 

XXXX  - ( XXXX, XXXX, Experian XXXX ; Opened - XX/XX/XXXX ( TU ) ; Opened - XX/XX/XXXX ( XXXX  XXXX Experian XXXX ; Bal : {$0.00}. This account belongs to someone else or it is a direct result of identity theft. 

The following inquiries was not authorized by me : XXXX XXXX XXXX ( 3 TIMES XXXX XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There are several accounts that are reporting incorrectly on my credit reports : Personal Information : Name : XXXX ( XXXX  ) Address : XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX TU ) Address : XXXX XXXX XXXX XXXX ( XXXX  XXXX Address : XXXX XXXX XXXX XXXX ( XXXX  XXXX Address : XXXX XXXX XXXX XXXX  XXXX Address : XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX Inaccurate late reporting : XXXX  - ( TU, XXXX  & XXXX ) ; Opened - XX/XX/XXXX ( TU ) ; Opened - XX/XX/XXXX ( XXXX  & XXXX  ) ; Balance - {$90000.00} ; I was never late on this account, please remove late reporting. 

XXXX XXXX  - ( XXXX ) ; Opened - XX/XX/XXXX ; Balance - {$2700.00} ; I was never late on this account, please remove late reporting. 

XXXX XXXX  - ( XXXX, TU, XXXX ) ; Opened - XX/XX/XXXX ( TU ) ; Opened - XX/XX/XXXX ; Balance - {$2600.00} ; I was never late on this account, please remove late reporting. 

USDOEXXXX  - ( TU & XXXX  XXXX ; Opened - XX/XX/XXXX ; Opened XX/XX/XXXX ; Balance - {$0.00} ; I was never late on this account, please remove late reporting. 

The following accounts are reporting either due to error or Identity Theft, Please remove the following items : US DEPT ED - XXXX XXXX, TU, XXXX  XXXX ; Opened - XX/XX/XXXX ( TU ) ; Opened - XX/XX/XXXX ( XXXX  XXXX XXXX XXXX ; Bal : {$11000.00} ; This account belongs to someone else or it is a direct result of identity theft. 

XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX  XXXX Opened - XX/XX/XXXX ; Bal : {$1100.00} ; This account belongs to someone else or it is a direct result of identity theft. 

XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX Opened - XX/XX/XXXX ; Bal : {$1100.00} ; This account belongs to someone else or it is a direct result of identity theft. 

XXXX XXXX XXXX - XXXX XXXX, TU, XXXX XXXX ; Opened - XX/XX/XXXX ( TU ) ; Opened - XX/XX/XXXX ( XXXX  XXXX XXXX  XXXX ; Bal : {$3800.00} ( TU ) ; {$0.00} ( XXXX  XXXX ; {$3300.00} ( XXXX  XXXX. This account belongs to someone else or it is a direct result of identity theft. 

US DEPT ED - XXXX XXXX, TU, XXXX  XXXX ; Opened - XX/XX/XXXX ( TU ) ; Opened - XX/XX/XXXX ( XXXX  XXXX XXXX  XXXX ; Bal : {$8200.00}. This account belongs to someone else or it is a direct result of identity theft. 

XXXX - ( XXXX, TU, XXXX  XXXX ; Opened - XX/XX/XXXX ( TU ) ; Opened - XX/XX/XXXX ( XXXX  XXXX XXXX  XXXX ; Bal : {$0.00}. This account belongs to someone else or it is a direct result of identity theft. 

The following inquiries was not authorized by me : XXXX XXXX XXXX ( 3 TIMES XXXX XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TRUIST FINANCIAL CORPORATION (FL)

Sun Trust back has out a account review on my account and has restricted access to my funds. They tell me they have no time frame for an update, this is not good as they are holding all of my money.