davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ONY GLO, INC. (WA)

We applied for a home refinance in XX/XX/2020 with XXXX XXXX at XXXX and paid for an appraisal. We were unable to continue our refinance due to the pandemic as my partner was put on leave. I spoke with XXXX XXXX at XXXX to let her know that my partner would be returning to work in XXXX and I expressed my concern about the monies we paid towards our appraisal and if we could use the appraisal and we didn't want to miss out on our rate. 

XXXX let me know over the phone that she should be able to extend the rate lock and use the appraisal. 

When my husband returned to work, I reached out to her via email and she advised that I needed to submit a new application. When i reached out regarding the appraisal we paid for and if we could use it, she did not respond to my email. I tried to call her and she did not answer and I left her voice messages. 

I finally called the customer service line for XXXX and the gentleman I spoke with could not assist and told me that our appraisal is to about to expire in XXXX and we can not move forward with the appraisal since the rate lock since XXXX never filed an extension as she promised and if we put in a new application, we would have to pay for another appraisal. 

The gentleman, I think his name was XXXX or XXXX, mentioned he would reach out to XXXX but I never got a call back or any follow up from either of them.
Consumer complaint received 2022-08-02
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. (NJ)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These accounts areunknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX, XXXX XXXX
Consumer complaint received 2020-08-06
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2020-08-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (OH)

I have an account with Citibank that I opened in XXXX of 2020. With the pandemic, I was not able to switch over to the account that I opened. The account was charged a monthly fee of {$30.00} per month. I requested that Citibank reverse the fees for two months. The fees were reversed. The next thing I requested was to change my account type to avoid fees until I could switch over. Today XX/XX/2020, I was charged a {$34.00} overdraft fee for another {$30.00} account fee. I chatted with the customer service team and was told they can not reverse the fee or close my account. How can I be charged a fee for a bank fee? This is not right at all. The account has had no debits generated by me.
Consumer complaint received 2022-07-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (NY)

XXXX XXXX credit card company call everyday multiple times a day. I told them Im not working right now and dont have the money. They ask me how am I paying all my other bills like rent and why wont I just borrow from someone else. They are very disrespectful and the excessive calling is damaging
Consumer complaint received 2018-11-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (SC)

I find it criminal how payments are handled. I graduated in XX/XX/2010and starting paying back the loans upon graduation as required. I have been using the Autopay system and often pay more than owed ( for example, paying {$140.00} instead of {$86.00} monthly ). My original loan was for {$7500.00}. According to my most recent statement, I have paid {$4200.00} towards my principal from the start date of my loan and {$3400.00} in interest since the start date of my loan. After fees ( {$13.00} XXXX for an unknown reason, I have now paid {$7700.00} yet I still currently owe {$4900.00}. Nelnet, along with other loan companies such as XXXX, have made it nearly impossible for me to survive. I find it unacceptable how payments are applied ( primarily to seemingly unending interest ) so that I will be paying on this loan for another 10+ years when I have already been paying faithfully every month for 8 years.
Consumer complaint received 2022-08-02
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. (TX)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud pursuant to Section 605B of Fair Credit Reporting Act. 
XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ;
Consumer complaint received 2019-09-01
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. (MI)

In response to a denial of an extension of credit I checked with one or more consumer reporting agencies and detected inaccurate information being furnished to your company by XXXX. XXXX indicates that the information being furnished to your company is invalid. Your company is required to perform an investigation with regard to the accuracy of the information being furnished to it, and if found to be inaccurate is required by law to remove it.
Consumer complaint received 2021-11-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (WA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Reports : MERCHANTS CREDIT XXXXX Balance {$210.00}
Consumer complaint received 2022-08-02
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: ACIMA CREDIT, LLC (NY)

I sent a letter to XXXX Credit Bureau on XX/XX/2022 to removeACIMA CREDIT FKA SIMPL XXXX Balance : {$1700.00} that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any account or information not later than 4 business days after the XX/XX/2022 letter .Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again.,
Consumer complaint received 2020-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: JPMORGAN CHASE & CO. (OK)

Bottom line is my credit has unjustly been damaged. My house payment originated with XXXX  XXXX XXXX, then we went bankrupt ourselves in XXXX, and the house was " NOT '' reaffirmed, so they stopped reporting immediately, then XXXX took over, always asking if our intention was to keep the home, ( it was ) in all correspondence. Then XXXX got the mortgage, they honored the law, and didn't report either. But when XXXX XXXX too over, unbeknownst to me, started reporting me, and stated " they weren't told '' about the bankruptcy??? So even last week, synchrony refused to reinstate my credit line, my score has crept up a little, since it, thru dispute, was finally removed, but the damage still lingers as my score is in the low to mid 600 now. 

On about XX/XX/XXXX XXXX took over, from XXXX. The letter from XXXX 's bankruptcy people stated not to send a payment, so we didn't, and when we got a letter from XXXX they stated we were 2 months behind, we sold, and paid off, our house following around XX/XX/XXXX and by then it showed 3 months behind. That remained unchanged, not showing paid, not removed, or at least corrected, for about 1/2 a year. We began contacting them, early XXXX with them promising a correction. But they never did correct it. 

XXXX has lowered and closed all of my credit lines. XXXX has lowered my line. Chase has lowered my credit line. My score dropped to the low 500 's from high XXXX XXXX 's. 

The credit bureau 's have finally removed last month ( late XXXX ), after a lengthy dispute, worsened by temporary Covid delay, but my score and credit lines are still severely damaged, due to lowered, and closed credit lines, affecting my credit utilization. 

Bottom line is, House the house was " NOT '' reaffirmed, so this should have never happened.
Consumer complaint received 2022-08-02
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. (FL)

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of XX/XX/2022, XXXX XXXX XXXX XXXX TransUnion has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX XXXX believe it was reporting in error.
Consumer complaint received 2018-11-06
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

on around XX/XX/2008 our mortgage company XXXX and also under Wells Fargo reached out to us by mail offering a program available to us that may help us. We contacted them via phone and they told us that yes there was a government program but we needed to show hardship and their advice was to stop paying our mortgage. We can prove that before that we had never been late or on default with our mortgage. I have a paper trail that include names and fax, dates with times of our communication with a representative from the mortgage company. They even wrote me a letter via fax on our behalf with how we can show hardship. They connected us with a company Making Home Affordable. Gov this company charged us through XXXX XXXX XXXX Phone number XXXX a total of {$1900.00}. This ruined our credit and they also tagged 20 years to our mortgage without ever mentioning it to us. Years later we get a letter stating that our mortgage was going up because of our interest rate. We then started researching and found that they had put us in a bad loan. We contacted now Wells Fargo and they gave me the run around for months if not a year. To then send me a letter saying they could not do anything for us. I then have been working on gathering proof and I was finally able to find all the supporting documents.
Consumer complaint received 2022-08-02
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. (KS)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TransUnion Addresses : XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX : XXXX XXXX Inquiries : XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Name : XXXX A XXXX XXXXXXXX XXXX : XXXX AND XXXX XXXX XXXX KS XXXX Addresses : XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX, KS XXXX Inquiries : XXXX  XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX Collecons : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX FL XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Inquiry : XXXX XX/XX/XXXX
Consumer complaint received 2023-01-20
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. (FL)

I value you setting aside some margin to DELETE a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. XXXX XXXX XXXX Open Date XX/XX/2015 Balance : {$0.00}
Consumer complaint received 2022-08-02
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: Experian Information Solutions Inc. (TX)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, GA XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collections : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Addresses : XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Inquiries : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-07
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC. (DC)

On XX/XX/XXXX and XXXX I received calls from Navient to my business line. I returned the call on XX/XX/XXXX and realized It was Navient 's attempt to collect a debt. While I do have student loans with Navient they are being paid and not in default. I was previously contacted on my business line on XX/XX/XXXX about the debt. I went through the prompts and the woman realized that they had called the wrong person. I asked her to not call my business line again and she obliged. 

So when I got the call in XXXX I was surprised. When I spoke to the woman I immediately said, I asked you not to call this line. She immediately went on the attack and threatened to sue me ; I explained to her that I'm not even who she was looking for. Again, she used very abusive language but when she went through all the identifying information, she realized ( as I tried to tell her ) it wasn't me she was looking for and then she hung up. 

I called Navient customer service to complain and ask that my business line not be called. Apparently they have no real process for this and could not identify who to call. They said call the person who initially contacted you. It was a direct dial to that person so I'm supposed to complain directly to the person that's the issue? I was told to leave a message asking for a manager to call me back. I've been calling for a week with no answer and no response. I want them to 1 ) not call my business line 2 ) stop calling me about a debt that's not mine 2 ) be fined for continuing to call a number I asked them not to. The person at issue is XXXX XXXX or XXXX her direct dial is XXXX. I spoke to her the morning of XX/XX/2018 around XXXX.
Consumer complaint received 2022-08-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd. (CA)

I receive many ( daily ) calls from all sorts of numbers all asking me to call XXXX. There are many complaints against this company called Collection Bureau of America found via a internet search of this phone number. They always leave a message. I do not have any debts that are in arrears. I own my home outright and all of my vehicles are paid off. 

I have not received any billing or notice that I have a debt outstanding. I believe these scammers are attempting to collect on a debt that has been paid. I will not respond to any phone solicitation in any matter. If this were related to a legitimate debt, they would have contacted me in writing.
Consumer complaint received 2020-08-06
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)

Please be advise that XXXX XXXX XXXX has agree to remove Account # XXXX from my credit file, please process this request as soon as possible, I'm sending the original CFPB complaint and their responses as proof.
Consumer complaint received 2020-08-06
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. (CA)

On or about XXXX of 2020 I noticed a fraudulent account on my credit profile from XXXX XXXX XXXXXXXX. I started a fraud dispute with all 3 credit agencies and I reached out to XXXX  XXXX XXXXXXXX and they stated that they would be removing the account from my credit profile and still it's reporting on my credit profile. Please help me with this issue.
Consumer complaint received 2020-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (NY)

Hi, to whoever this may concern, I contracted XXXX at the beginning of XXXX of this year, I had a very hard time recovering from the XXXX, I was at home by myself for almost a full month not being able to work or get in contact with anyone, it is hard to explain the difficulties of coping with such a situation, on top of that I still had to worry about my financial bills, you can not imagine what it is going through such a situation, on top of that I was not able to go through my emails that frequently so I am not even sure if I got the bill or not, I hope you understand my situation and i ask that you kindly help me out.