davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: 21ST MORTGAGE CORP. (TX)

I'm in the process of closing two loans for two prefab homes with 21st Mortgage one is going to be a secondary home. After being completely qualified for the loan because I mentioned my mother in law would be staying in one of the units that loan was put on hold until she submitted an application with 21st Mortgage. She did not want her credit ran because it reduces her credit score. 21st Mortgage said they needed to run it to make sure she did not have a defaulted loan. She did not have a problem with them checking but was forced by 21st Mortgage or they would not give me the loan. To prevent it from happening to me she signed application.

I don't believe 21st Mortgage should hold a loan hostage and force someone to submit an application just because her name was mentioned. My loan should not be used to try and clean up their books. They ran my Mother-in-Laws credit by coercing and threatening to denying my loan if she didn't.
Consumer complaint received 2021-08-03
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION (TX)

As of today, we have been through XXXX loan servicing companies : XXXX. XXXX XXXX XXXX XXXX XXXX, then changed to XXXX. XXXX XXXX XXXX XXXX, account sold to XXXX. SN Corporation SN Servicing Corporation Account Representative XXXX XXXX XXXX XXXX, CA XXXX Office : ( XXXX ) XXXX ext. XXXX Direct Line : ( XXXX ) XXXX Email : XXXX We paid the balance of the loan ; however, loan servicing companies changed their names-from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX, and subsequently sold our information to another company, SN Servicing Corporation. They all kept harassing us, demanding to pay them the alleged debt which we do not owe them. We have sent them evidences which include XXXX ) Payoff Statement/Final Balance ; XXXX XXXX Cashier 's Check. They hired lawyers to collect the alleged debt and we provided them with the same documents ; they stopped. Our house was damaged by the snowstorm in mi XXXX of 2021, Insurance company sent them a payment on XX/XX/2021, they keep the money and refused to forward the payment to us. We filed a complaint with the Texas XXXX  XXXX XXXX, they investigated but then closed the case without any result.
Consumer complaint received 2022-08-24
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: Bread Financial Holdings, Inc. (FL)

XX/XX/XXXX - identified fraudulent charges on my card and notified Comenity the card Holder ( Comenity Bank, XXXX XXXX XXXX, XXXX, OH XXXX ) a division of Bread XXXX  XXXX XXXX XXXX XXXX, OH XXXX The Customer Service agent confirmed the fraud, took details and advised a new card was to be issued. Charges were removed. 

XX/XX/XXXX - fraudulent charges were reapplied to my account and received an email to call Comenity, XX/XX/XXXX - called Comenity and they said they had no knowledge of any fraud and directed me to fraud department. 

On phone with Fraud Department- was told Comenity had a computer " system update '' and they can not access my account. 

XXXX from the Fraud department tells me there is " literally nothing they can do '' - they can not see my account nor resolve any inquiries. 

Shocked to hear that I asked XXXX to repeat that as I could not believe what I was hearing - she confirmed that Comenity can neither access my account, nor speak about the fraud. She did say that I am responsible for the payment. 

I asked for a XXXX. I asked her to close my account. 

She said XXXX can not do so at this time as the system is locked.
Consumer complaint received 2022-08-14
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX coded my credit report on all 3 credit bureaus 30 days late for XX/XX/XXXX. My XXXX XXXX was due on XX/XX/XXXX, which is due on the XXXX day of each calendar month. I paid my XXXX XXXX payment on Saturday XX/XX/XXXX in the monthly due amount of {$550.00} on the XXXX XXXX XXXX with is corrected to my XXXX XXXX XXXX Account, the payment posted and was deducted from Checking Account on Tuesday XX/XX/XXXX. I have attached a copy of my XX/XX/XXXX Checking Account Statement supporting my compliant. My payment was not 30 days late.
Consumer complaint received 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

This complaint was the result of their non-compliance to my request and for their refusal of getting the accounts, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the FederalCredit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned accounts for they were found erroneous and unauthorized. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Consumer complaint received 2019-07-25
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. (PA)

Fraudulent account in my name unknown person stole identity to open credit card in my name to obtain stolen goods XXXX XXXX XXXX Amount XXXX XXXX XX/XX/XXXX 2013
Consumer complaint received 2022-08-03
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. (UT)

On XX/XX/2022, I received a notification that there was a hard inquiry on my credit report from XXXX XXXX XXXX - CPU made on XX/XX/2022. I did not recognize this inquiry, and I had not used or applied for credit to make any purchases. I contacted XXXX 's on XX/XX/2022. The person I talked to could not help me but took down my information to have someone call me back. Nobody from the company ever called me back, and I received another notification that there was a second hard inquiry from XXXX 's on XX/XX/2022. I called XXXX 's again on XX/XX/2022, and they said someone had tried to buy a laptop on credit in my name on XX/XX/2022. I did not try to buy a laptop, and if I had, I wouldn't have needed to apply for credit to do it. I told XXXX 's that the person who was trying to get a laptop was not me. They said someone would call me back, but I have not heard back from them. 

I contacted Equifax, the company where the hard inquiry showed up, to ask them how to resolve this issue. They directed me to file a complaint with the Federal Trade Commission and to send in the report.
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

The list of accounts below is reported inaccurate on my Equifax consumer report. 
As mandated in 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX,
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

In accordance with a Fair credit reporting act XXXX XXXXXXXX XXXX account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 602 A. Section 2 consumer reporting agency can not furnish my account without my written instructions.
Consumer complaint received 2022-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

THIS IS NOT A DUPLICATE COMPLAINT : I have been reviewing my credit report from the XXXX credit bureaus ( enclosed herein ), and which is dated XX/XX/XXXX. I have noticed inaccuracies reported on my Equifax, XXXX, and XXXX consumer reports regarding XXXX XXXX. I am not working with a credit repair company ; I've downloaded this information on my own computer using my own information and I have enclosed my identification documents. Allegedly, my disputes with XXXXXXXX XXXX have been " Verified as Accurate ''. XXXX XXXX has also sent me information prior that is very different from what the XXXX bureaus are reporting and I have submitted to the CRAs. Now, an example of this inaccuracy are as follows and enclosed : " The Date Last Reported '' along with your reported payment history and delinquencies, are inconsistent. XX/XX/XXXX, Equifax reports 30 days past due, while XXXX and XXXX are reporting OK ; XX/XX/XXXX, Equifax reports 60 days past due while XXXX and XXXX are reporting 30 days past due ; XX/XX/XXXX, Equifax reports OK while XXXX and XXXX are reporting 60 days past due ; XX/XX/XXXX Equifax is reporting 30 days past due, while XXXX and XXXX are reporting OK ; XX/XX/XXXX Equifax is reporting 60 days past due and XXXX and XXXX are reporting 30 days past due ; XX/XX/XXXX Equifax is reporting 90 days past due, and XXXX and XXXX are reporting 60 days past due. This account was closed in XX/XX/XXXX, so how is Equifax still reporting a payment history until XX/XX/XXXX ; and XXXX is not reporting ANY HISTORY for XX/XX/XXXX when the final payment was received by XXXXXXXX XXXX?. Reporting of consumer information for an account should be 100 % accurate per the FCRA laws ; and Equifax, as well as XXXX and XXXX are inconsistent and not following these laws.
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

Upon covering from XXXX for the second time, I began reviewing mail including copies of my credit report that I did not order. Upon reviewing my Equifax credit report, I notice the appearance of multiple bankruptcies and incorrect items on my credit report with Equifax. At the beginning of XXXX, I began the process of disputing several items. The most recent investigation involved the multiple bankruptcies being reported. I submitted the dispute online as I had filled out the paper document that was sent with the credit report, but an investigation never started. Because Equifax did not initiate the investigation, I submitted the investigation online. I did receive a confirmation number. Thirty days passed and Equifax sent me another credit report stating that the information was verified. I then sent another request of Equifax asking for the company to send the information that was verified to them. I did not receive the answer that I requested, Instead, Equifax conducted another investigation that lasted another thirty days and I receive the same response that the accounts had been verified. Unknowing to Equifax, I sent a certified letter to the source of the information listed by Equifax. I received a response from the original source that they do not verify information and that I had to contact Equifax. I have since sent Equifax the same letter from the source that was sent to me. The document was sent to Equifax via mail and electronically.
Consumer complaint received 2022-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2019-07-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (CO)

Received a debt collection letter from XXXX XXXX XXXX XXXX around XX/XX/XXXX for a debt of {$110.00}, after investigation found this was a fraudulent JC Penny account : XXXX, created in XX/XX/2014, based on stolen identity. After contacting JC Penny the account was closed on XX/XX/2014, JC Penny admitted error and close the account. But JC Penny lied, instead correcting their mistake, they sold the debt to the debt collection agents, and report the fraudulent account to all three credit agencies. I have filed a new complaint on XX/XX/XXXX this year to JC Penny, so far hasn't received any response from JC Penny.
Consumer complaint received 2016-05-18
Product: Credit card — 
Issue: Balance transfer — 
Company: FIRST NATIONAL BANK OF OMAHA (CA)

I was notified by my credit card company ( firstbankcard ) of fraud on my card. They immediately cancelled the card and notified me that a new card would be issued and that my old card balances would be transferred onto my new account. In addition, I would not be able to access my online account until the new card and balances were transferred. When I got the new card and viewed the online statement I was charged late fees and interest for an overdue payment on the old account/card which I had no way to access or know about. When I contacted the credit card company the fraud investigator ( XXXX ) from firstbank card was hostile and told me I just should have known it was owed or called them. I told her I could n't even access my online account during the time period in question because they closed it out and I do n't even have any detail on the balance due that I supposedly should have paid.
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX  Account # XXXX, XXXX {$3500.00} Account # XXXX, XXXX XXXX AUTO Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX {$2500.00} Account # XXXX, XXXX {$2800.00} Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, have violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-02-18
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. (LA)

I noticed a ton of inquiries on my credit reports that I did not authorize. I started disputing these unauthorized inquiries with the credit bureau on XX/XX/XXXX and they did nothing. I went on to dispute these inquiries on XX/XX/XXXX, XX/XX/XXXX, and just recently on XX/XX/XXXX. They have not done the proper investigation into these items and they continue to unlawfully validate these inquiries yet failed to provide sufficient proof of validation.
Consumer complaint received 2022-04-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

I did mobil check deposit on XX/XX/22 and everything was normal how it has always worked the check was pending I received the XXXX until rest of the check cleared, I transfer XXXX dollars on XX/XX/22 to my regular checking account to pay a bill which I did. Later that evening I went to grocery store and my card declined, so I went to see why at the atm and it showed I was XXXX in my account. They pulled the XXXX back from me and slapped me with a negative balance. Following day XX/XX/22 I went to XXXX XXXX california branch to find out why this had happened I was told the fraud department put the hold on my account and that if the funds cleared tomorrow the hold would be lifted.That same night I go to check if there has been any change to my account and I magically have XXXX dollars in my account, so I pay my phone bill go to bed wake up the following morning and Im now XXXX in my checking out so now Im XXXX in the negative between my checking and savings account. So now its XX/XX/22 XXXX oclock at night my car payments due and they still have not lifted the hold even though I was told the check has cleared and was a good check, so Im late on my car payment now which will now have fines for me to pay.
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (UT)

Investigation upon dispute of accounts on my credit report took more than 30 days. My dispute letter was received by Equifax on XXXX XXXX and dispute results show XX/XX/2022 and I didn't receive the dispute results letter from the credit bureau days after that.You are required to fully verify the above disputed items within 30 days, or you must delete the items from my credit report. You are required to do this under the FCRA 609/611 provisions. 

See attached for documents.
Consumer complaint received 2022-08-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Law Offices of Hayt, Hayt & Landau, LLC (PA)

I have a credit card with XXXX XXXX that was closed by the issuer and subsequently charged off. 

While working with XXXX XXXX on a payment plan, the account was " apparently '' transferred to a law firm named Hayt, Hayt & Landau. I have no specific knowledge or communication from XXXX XXXX the account had been transferred to this firm. 

The firm " acting on behalf of it's client '', supposedly XXXX XXXX has obtained a judgment against me. 

The firm contacted me in XX/XX/2022 to arrange a repayment plan on behalf of " it's client '', XXXX XXXX. 

Terms had been discussed and was advised notification of terms would be sent vial email. That email was not received and a follow up phone call to the firm representative, XXXX XXXX went unanswered. Approximately 30 days go I received the first postal communication requesting an installment payment. Due to timing of receipt as well as current financial status, I had not been able to submit the " demand '' payment. 2 days ago, I received a notice of deposition. The law firm acting on behalf of XXXX XXXX is attempting to seize assets and garnish wages. 

Upon reviewing my credit report, XXXX XXXXXXXX has reported my account as " Closed, Account Canceled by Credit Grantor ''. If the account has been canceled, how and why can a law firm obtain judgment and furthermore seize assets, garner wages? 

I have attempted to contact XXXX XXXX to resolve this matter and my calls get immediately redirected to the law firm. 

Upon speaking with the law firm today, the firm is not interested in arranging a payment plan. Merely, pay the balance in full or be deposed.
Consumer complaint received 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

There are several mistakes on my credit report after disputes still no results or correction has been made speaking with the credit agencies has not done any good as well unfair credit score reflects bad trying to obtain credit or make purchases I uploaded paperwork showing debts was paid but still no results when you ask for proof of and dispute and a consumer send that proof the companies should not have a leg to stand on but all of the credit agencies are not making the correction on the consumer credit report siding with the companies and making incorrect reporting on the consumer reports I have tried making corrections for several years so when you ask for dates there are several
Consumer complaint received 2021-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I sent a letter to XXXX XXXX and the 3 Credit Bureaus ( XXXX, XXXX  and Experian ) on XX/XX/2021, XX/XX/2021 and again on XX/XX/2021 to verify information questioning the bankruptcies listed on my credit report and wanting to find out how the accounts were verified. When I wrote to my Courthouse, they responded with a letter and stated that they do not report to the bureaus. I have attached the letter to this complaint. I am asking that both bankruptcies be removed from ALL 3 of my credit reports and XXXX XXXX. This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is rather a request for a Method of Verification where the following items should be provided to ensure the validity of the item ( s ).

Please provide the following items : identify it

em ( s ) by the name of source, such as creditor or tax court, and identify type of item, such as credit account, judgment, etc. 1. The name of court representative you spoke with 2. The court address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute I am anticipating a time response to my request. If you are unable to respond in a timely manner and provide the above items, please Delete the account ( s ) from my credit report
to prevent further damage.