davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-16
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. (NY)

I have submitted disputes for inaccurate information that has been put on my credit report and XXXX refuses to investigate properly so that the items can be removed. XXXX   wont reinvestigate although i have advised them some of the accounts are not mine. I have been trying to get these accounts removed for over 6 months.
Consumer complaint received 2021-05-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (VA)

On XX/XX/2021, my husband and I reached out to Mr. Cooper to refinance one of our investment properties. The purpose for selecting Mr. Cooper was the mortgage is currently held by this company and there was a streamlined process. We could provide loan estimates from other lenders and be on our way. We provided the required documents on XX/XX/2021 and were in constant contact, providing 3 months worth of paystubs from each of our employers, tax returns x 3 years, discussed the cash out options, uploaded copies of homeowners policies, etc. I received a call requesting an explanation of my pay as you are taking home less than half your salary each pay. I provided an explanation, I am approaching retirement age in 5 years, pay State and Fed taxes, OASDI, health benefits, retirement savings life insurance-they should be able to determine these routine deductions. 
***After the appraisal was completed, we had to add batteries to the smoke detector and send pictures to prove this was done. I was asked to provide a statement explaining my Allotment SV which is only {$150.00} per pay allocated to my savings account ( a secondary direct deposit ). The most disturbing request was to submit a bank statement showing we have at least {$5200.00} in reserves-checking or savings. XXXX** My credit score is over XXXX, my husbands score is high XXXX, the mortgage is currently with Mr. Cooper and we have not been late or requested forbearance, etc. ***We were also asked to show proof of home owners insurance on the property Mr. Cooper is paying for monthly. XXXX The home appraised for significantly more than our current loan to value on the property ; we qualified for this refinance with using only income from our employers, although we have been in business more than 10 years and I have income from a second job as a real estate agent. 
I am not sure what the scrutiny is related to, however, as of XX/XX/2021, we feel there is something more to this refinance process that is NOT being revealed, because we are being asked to justify and/or provide very insignificant items related to this effort. Some investigation into this company is warranted, as we are well-established having stellar credit, longevity on our jobs, own several properties and have purchasing power. 

Please help get to the bottom of this/1
Consumer complaint received 2017-12-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Protection Association, L.P. (TX)

I noticed that this company has posted this item on my credit report even though I am paying a small amount every month. The company is also holding my XXXX XXXX XXXX Check which is at least enough or almost enough to pay this debt in full.
Consumer complaint received 2021-11-28
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. (OH)

Pursuant to 15 U.S.C 1681 ( a ) ( XXXX ), the banking system is dependent upon fair credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

With that being said, Equifax 's consumer reporting agency is furnishing unauthorized inquiries, accounts, and inaccurate personal information to my consumer report. Not only do these items not belong to my consumer report but more importantly, they violate several Fair Credit Reporting Act laws that protect me as a consumer.
Consumer complaint received 2021-05-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Dynamic Recovery Solutions, LLC (FL)

To whom this may concern : I XXXX XXXX checked my credit report and notice a debt.. that I never seen nor heard about! I never received a letter or a phone call about this debt and I would like for this debt to be removed.. because I never verify this debt! I dont think its fair to mess up someone credit, because you can! Im seriously upset about this. Because I never got a chances to verify the debt and my score dropped over XXXX points.. It will be nice if someone could remove this and send me a letter and give me a chances to verify the debt!! Ive leave in the same place for 5 years with the same number.. and no letter from this debt company! Please remove please and thank you!
Consumer complaint received 2019-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I have submitted a dispute over a transaction back in XX/XX/2018 in regards to a transaction appearing as XXXX XXXX XXXX. This is an online merchant gaming website. There was several issues with the use of there website, I have supplied screenshots of the errors. I have also supplied sufficient documentation regarding the reason for dispute as well including a statement from me why this transaction should be disputed. I have also sent many messages to Capital One between me and the merchant. I have supplied Capital One with ALL needed docs to process this dispute request. I have never been able to resolve this issue with the merchant nor Capital One. I have also made a request to have this dispute re-opened by a manager and he stated he will do it. Well shortly after I received a call from Capital One stating they had to close the dispute. This was not handled right at all.
Consumer complaint received 2023-02-01
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: Thaxton Investment Corporation (TN)

On XX/XX/XXXX I noticed that my credit score had dropped XXXX points. I found that Covington credit had opened 4 accounts. After speaking with them I was told they did not know why and could do nothing about this. The last time I had business or any communication with covington was XX/XX/XXXX. Thank You
Consumer complaint received 2022-04-03
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: SYNCHRONY FINANCIAL (CA)

My credit report showed a 60 day late payment from Synchrony Bank. I called them to report the problem and explained that their account which is PayPal Credit is only accessible through PayPal ( a completely different company ) that was closed. I was sure that since PayPal was closed PayPal credit would send me statements so I can pay. I never received statements since XXXX/2021. I accidentally checked my credit report and discovered a 60 day late payment. I called Synchrony Bank ( servicer for PayPal credit ) and found out that the address they had on file for me was an unknown address. I immediately paid the past due payments and asked them to investigate and remove the late payment reporting. They assured me that they removed the late payment fees and that their credit disputes department will investigate and remove the late payment reporting and would provide a letter confirming that to my correct address. I checked my credit report in a few weeks and saw that the negative reporting changed from 60 to 30 days late.
Consumer complaint received 2020-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc (MN)

I called chime on XX/XX/XXXX. I told them that there were a bunch of fraudulent charges on my account. Not only did they not give my my money back but in the timeframe of the investigation they allowed another fraudulent charge to go through and allowed them to overdraft my account.
Consumer complaint received 2022-01-10
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. (TX)

XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULETN ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXXXXXX -- -> : {$50000.00} XXXX XXXX XXXX XXXX -- XXXX : {$8100.00} XXXX XXXX  XXXX -- -- XXXX : {$630.00} XXXX XXXX XXXX -- -- XXXX : {$6000.00} XXXX XXXX XXXXXXXX -- -- XXXX : {$920.00} XXXX XXXX XXXX -- -- XXXX : {$5500.00} XXXX XXXX XXXXXXXX -- -- XXXX : {$3000.00} XXXX XXXX XXXX -- XXXX XXXX : {$3000.00} XXXX XXXX  XXXX -- -- XXXX XXXX {$6400.00}
Consumer complaint received 2017-12-20
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: HYUNDAI CAPITAL AMERICA (FL)

XXXX XXXX XXXX XXXX XXXX XXXX. Account no.XXXX. Repossessed XXXX/XXXX/XXXX. Credit reports not posting XXXX XXXX payments, city of XXXX just mailed to taxes due from XXXX XXXX this XXXX XXXX first received XXXX. city of XXXX hired XXXX XXXX. I am XXXX since XXXX, on fixed income and not able to work. For a year now I had to get rides to medical appointments and missed some.
Consumer complaint received 2020-09-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (IL)

PHH Mortgage has my account funds in suspense back from XX/XX/2020. I have NEVER missed a payment in 10 years I have had this Mortgage. I have called them repeatedly to resolve this issue. I am closing on a refinance and I am unable to finish through UW without the correct payoff statement. They told me this would be fixed within 48hrs and that was 2 months ago. I have been calling them hourly for the past 2 days because this needs to be fixed by Tuesday XXXX or it will jeopardize my refinance and closing. The customer service reps state they are working on it and thats all. They also confirmed there is no reason for my funds to be in suspense. I need your help.
Consumer complaint received 2019-08-14
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. (AL)

I submitted a police report, my identification and other supporting documents to provide that the accounts was not mine. A police report is on file with the company. Equifax removed the other fraud accounts but did not remove the fraud address and other fraud account. One account was reinserted without notification to me. Another XXXX XXXX stole my identity and they have picture of guy and police report. We have same name just different race. I submitted for fraud address to be removed and they did not
Consumer complaint received 2019-11-03
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. (CA)

I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Also, update my personal information to my credit report.

See attachment for the following : A summary letter FTC Complaint form A copy of my Identity Theft Report Police report proof of my identity ; a copy of my drivers license and Social Security card Proof of address A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Consumer complaint received 2019-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (FL)

Back in XX/XX/XXXXof 2018 I started receiving Fraudulent activity on my account I let navy federal know about it they didn't do nothing to protect my account they deny my claims and then froze my account saying that I can't use for 1yr until XX/XX/XXXXof this year, so I got my Financial aid check from my school and then they basically told me that I will have to pay them 200 dollars to unlocked my account but they saying the reason why because there was a charge back of XXXX and 30.00 but they can not give me what the Institution name but I don't know why if I let u know that I have Fraudulent activity on my account I let them know I didn't make that deposit because I had to sign a Affidavit saying it wasn't me
Consumer complaint received 2022-01-10
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: SYNCHRONY FINANCIAL (TX)

On XX/XX/XXXX, I reported an unauthorized XXXX account was opened using my personal information. Based on my report, they opened a fraud claim and referred the case to there fraud department for investigation. they concluded the investigation on XX/XX/XXXX with the fraud claim not resolved in my favor. 

Per request, they reopened my fraud claim for an additional review on XX/XX/XXXX, XXXX their additional investigation concluded on XX/XX/XXXX with the decision to overturn the previous denial and resolve the claim in my favor. And said the credit reporting bureaus were notified to delete any derogatory information pertaining to the unauthorized account from your credit bureau report. And asked to allow up to 60 days for the credit bureau to update.
Consumer complaint received 2021-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

For the past two month, I have been trying to get a total of 12 hard inquiries removed from my credit report that i did not authorized. The inquiries and unauthorized dates are listed below : XXXX  XXXX ( Wednesday, XXXX XXXX ) XXXX fXXXXn ( Wednesday, XXXX XXXX ), XXXX XXXX ( Sunday, XX/XX/2020 ) XXXX XXXX ( Monday, XXXX XXXX ) XXXX XXXX ( Monday, XXXX XXXX ), XXXX XXXX ( Monday, XXXX XXXX ) XXXX  XXXX  ( Monday, XX/XX/2020 ), XXXX XXXX ( Monday, XXXX XXXX ), XXXX ( Monday, XXXX XXXX ), XXXX XXXX ( Friday, XXXX XXXX ), XXXX  ( Wednesday, XXXX XXXX ) XXXX XXXX XXXX XXXX  ( monday, XX/XX/2020 ), XXXX XXXX ( Monday XXXX XXXX ). I sent dispute letters to Transunion to verify these inquiries and the information comes back verified. I called and they prompted me to call Each creditor to retrieve a '' Letter of Deletion ''. When i called the creditor to request a letter of deletion, Each creditor informed me that there is no record of a '' XXXX XXXX '' in their system. So, I sent Transunion another letter to verify their method of verification and requested specific details to ensure verification and Transunion failed to do so ; these inquiries again came back as verified. I called the bureaus again to seek further assistance in these inquiry deletions and no one seems to help resolve this matter. As a consumer, I feel my rights have been compromised and violated. I have done all that was requested of me and feel devalued as a consumer and customer of Transunion. At the time of these inquiries, I was and still is in college and was not seeking credit of any sort. Please remove these inquiries as requested. They were not authorized.
Consumer complaint received 2019-08-14
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: Experian Information Solutions Inc. (CA)

I am a victim of Identity-Theft and have previously reported this to the Local Police, FTC, XXXX, XXXX, Experian and Creditors. I have placed Fraud-Alerts and a Freeze on my reports previously. I have once again befallen to Unsolicited or Unauthorized Inquiries from creditors that I have not given permissible-purpose to acquire. 1.XXXX  XXXX  XXXX XXXX ( XX/XX/2019 ) 2. XXXX ( XX/XX/2019 ) 3. XXXX XXXX XXXX ( XX/XX/2019 ) 4. XXXX XXXX ( XX/XX/2019 ) 5.XXXX  XXXX  XXXX ( XX/XX/2019 ) 6.XXXX XXXX  XXXX  ( XX/XX/2019 ) 7. XXXX  XXXX XXXX ( XX/XX/2019 ) 8. XXXX XXXX ( XX/XX/2019 ) 9.XXXX XXXX/XXXX  XXXX  ( XX/XX/2019 ) 10. XXXX XXXX ( XX/XX/2019 ). 11 XXXX XXXX ( XX/XX/2019 ) 12. XXXX XXXX XXXX  ( XX/XX/2019 ) 13.XXXX  XXXX  ( XX/XX/2019 ) 13. XXXX XXXX ( XX/XX/2019 ) 14. XXXX XXXX ( XX/XX/2019 ) 15. XXXX ( XX/XX/2019 ) 16. XXXX XXXX  ( XX/XX/2019 )
Consumer complaint received 2022-04-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY (NM)

In XXXX I made a payment with a different check account for a vehicle loan I have with wells Fargo dealer services. I had been sick that I had forgotten to include acct number on the check for my payment but my payment was made, I was called about my check missing information. I went back the next day to provide info but I was not told I was getting penalties added to my account. This created a hardship for me being sick and unable to work, not knowing if my employer was going to pay me. I continued to make my payments regardless and for the following month, I called to Wells Fargo to dispute the penalties and was told it was a process and to look at my statements for the following months and noticed every month ongoing I kept receiving penalties added to my acct. 
I have called here and there cause I can not get through to talk to customer service and the local branch said they accept payments but are not dealer services. I called again and was told that there are no exceptions for anything including covid or for any reason. I asked just to clear that month and not that would stop the ongoing months of penalties. Recently, my vehicle needed a brake module sensor which is costing over {$2400.00} plus labor so the vehicle is inoperable. The mechanic wants to purchase the vehicle as I can not afford the repair so I called to get the payoff price to allow the mechanic to make the purchase and rep on phone told me {$380.00} are in penalties and the remaining balance is the vehicle payoff, I asked to have penalties removed and she stated no exception for anything wells fargo does not do that. I was unemployed for over 6 months due to covid and being terminated and sick after receiving vaccinations, declaring a hardship in every matter regarding my livelihood while wells fargo does not want to help or work with me.
Consumer complaint received 2020-09-05
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports/. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response.
Consumer complaint received 2021-09-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (CA)

Ive sent letters to National Credit Adjusters and XXXX XXXX XXXX ( XX/XX/XXXX, XXXX + XXXX of XXXX ) asking them for proof of original contracts with my signatures showing where I agreed that I was liable for the debt they are attempting to collect. To no avail, I spoke with representatives from both agencies XXXX XXXX at NCA and several reps with American names to avoid any personal legal action against them but it is clear these individuals are from XXXX, names like XXXX XXXX, XXXX XXXX, and XXXX XXXX at XXXX on XX/XX/XXXX regarding debts I was informed I owed and after sending out letters on the same day XX/XX/XXXX - same day of phone call, again I was met with a copy of a bill and balance from both agencies ( two different creditors one being XXXX XXXX XXXX XXXX XXXX  Credit Card - {$470.00} and the other XXXX - {$630.00} ) but no documents, paperwork, or contracts with my signatures or proof showing where I am legally responsible for the debt owed or proof that it is in fact my debt. Ive also sent letters to XXXX XXXX, and XXXX  asking them remove this incorrect, inaccurate information but they are still reporting this information. I filed a complaint with the FTC to report these accounts that dont belong to me XX/XX/XXXX and still this negative information is reporting and is preventing me from securing new lines of credit, employment and housing opportunities. I really am trying to avoid a legal suit but feel like this may be my only recourse.
Consumer complaint received 2017-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (WV)

I applied for and received a Citi credit card in XXXX XXXX. I never activated this card, never used said card, and cut card in pieces. Today I received XXXX bill for. {$95.00} annual fee charge. I called Citi customer service and stated I wanted to close this account. I also asked that since I never activated or used said card, that the {$95.00} fee be dropped. I was told the fee can not be cancelled. I feel this is a total ripoff.
Consumer complaint received 2023-02-24
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: Credit Karma (OH)

I have been trying to get an accurate credit score and credit report from CreditKarma for over a year. My XXXX credit report is showing it hasn't been updated since XXXX of XXXX. I have attached 4 screenshots showing that this has not been updated since XX/XX/2022.