davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-25
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: Exeter Finance, LLC. (ID)

Upon receiving   XXXX   credit denial letters from Exeter, I was concerned since I had not applied for credit and I checked my credit monitoring service to find I had an inquiry with this company which was labeled for " auto loan ''. I did not ask for an auto loan or give this company authorization to pull and check my consumer credit report either time. I found that someone had used my personal information on the internet to apply for loans online. Upon notifying this company in writing with a certified letter which was received by their company on  X/XX/2017   . They responded to my letter stating that they received an electronic application from  XXXX   XXXX  and  XXXX   XXXX   XXXX   XXXX , and despite me not applying for credit with this company, and Exeter not providing any evidence or documentation that I did in fact provide an authorization to have my consumer report pulled they are refusing to remove the inquiries dated  XXXX   XXXX  and  XXXX   XXXX    XXXX  .     I have sent a second letter and demand in hopes they will honor the rights and protections afforded to the public under the Fair Credit Reporting Act as well as the  Federal Laws . I have asked that this unauthorized inquiry be removed immediately. I have not authorized this company or any third party to pull, view or use my credit consumer report, therefore it was obtained without permissible purpose.
Consumer complaint received 2017-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: SYNCHRONY FINANCIAL (CA)

XXXX card wo n't dissolve new card account. I closed account and received new card and did not authorize it and it is getting used by someone. 'I did not want it used. I ca n't make them understand to not use this account. 
I 'm also having problems with my other c/cards. My fraud people will go and change my passwords or pretend to be me and authorize my changes when I want to place a hold or try to cancel. 
There has to be a better system in place to keep my accounts safe when someone finds your ss #. I need help.
Consumer complaint received 2017-09-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: STERLING JEWELERS, INC. (OH)

Debt was paid in 2015. Legal agency called from XXXX stated they put out a warrant for my arrest regarding paid off debt. I explained to female at agency it has been paid off. She stated that she would n't be calling me if it was, demanded I take care of total immediately, stated she had list of friends and relatives phone numbers & would call them stating I owed the debt & ask them to pay it for me and then stated she was calling DMV to suspend my drivers license.
Consumer complaint received 2017-09-03
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: EQUIFAX, INC. (FL)

This is my second request to remove the unverified accounts listed below that remain on my credit report in violation of XXXX U.S.C. XXXX XXXX. XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, us bankruptcy court XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX. Equifax results say that my disputes were verified and updated. However they have not supply to me the verification documents that I have requested that they used to verify these accounts which is my right under the fair credit reporting Act.
Consumer complaint received 2017-10-17
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: Continental Services Group, Inc. d/b/a ConServe (NV)

XXXX XXXX is reportinig inaccurately on my credit report. There are several accounts that are not mine.This debt is showing from XXXX but I never received anything from them stating it was my account. I disputed with the credit bureaus and it was updated fraudulently with XXXX dates. I have no recollection of this debt and want it removed immediately from my credit report. I sent a certified letter last month no response as of yet.
Consumer complaint received 2017-09-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NJ)

I received a collection notice from XXXX XXXX out of XXXX Delaware. They allege I have seriously past due amount owed to XXXX XXXX XXXX for {$30.00} plus collection fees of {$4.00} for a total of {$34.00}. 

I do not have a XXXX XXXX account nor have I ever been billed by XXXX XXXX XXXX for any services correctly or incorrectly billed. 

I find the practice of Transworld Systems wholly intimidating and quite illegal. 

Please investigate this company and it 's unethical practices. The notice is dated XXXX XXXX 2017 The alleged invoice stated is XXXX XXXX the file number is XXXX my unique registration code is XXXX. The notice also states there main office at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA. 

Thank you
Consumer complaint received 2022-08-05
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: LEXISNEXIS (AL)

I applied for an apartment at XXXX XXXX in XXXX XXXX, NJ with XXXX XXXX XXXX and was denied because of an adverse action supplied by XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and LexisNexis are reporting a bankruptcy and or other adverse actions on my credit report without verifying this information. The New Jersey Court System does not report or verify any information relating to consumer reports with credit reporting agencies. XXXX, XXXX, XXXX, XXXX and LexisNexis are reporting Inaccurate Public Record/s on my consumer credit Report. This has caused damages and are violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq., as amended. XXXX, XXXX, XXXX, XXXX and LexisNexis have been reporting derogatory and inaccurate statements and information relating to my credit history to third parties ( the inaccurate information ). The inaccurate information includes, but is not limited to, a public record judgment/bankruptcy. The inaccurate information negatively reflects upon my credit history which is preventing me from obtaining proper housing and loans. It is affecting my character and representation of being financially responsible as a debtor and credit worthiness. XXXX, XXXX, XXXX, XXXX and LexisNexis have been reporting the inaccurate information through the issuance of false and inaccurate credit information and consumer credit reports that they have disseminated to various persons and credit grantors, both known and unknown.
Consumer complaint received 2017-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (FL)

The complaint I would like to file would be against XXXX XXXX and XXXX XXXX & XXXX XXXX. Recently I called XXXX XXXX office to get an updated log of my account for my records, as well as the original copy of the contracts and documents that I signed for the account. I called to speak with a representative from XXXX XXXX to get an original copy of my account and summary. The associates name was XXXX he did, confirm that my account was at a XXXX balance. 
After our conversation I asked XXXX If XXXXXXXX would be able to send me a letter summarizing what we had discussed concluding that the account was at a XXXX balance. He said he would have to talk to his supervisor to get an approval for a letter to be sent out. He came back and told me that they could in fact give me a letter and it would take about 48 hrs. To be sent out for me to receive it. After 2 weeks of not receiving it, I called back to XXXX, and they informed me I would have to call XXXX XXXX to get any further testament of my account. 
Once I was able to contact XXXX XXXX they informed me that my account was at a XXXX balance and they no longer had my account. I requested from XXXX a letter stating these facts about my account, but was denied this as they said they do not issue letters about account balances or status, I would have to get back in contact with XXXX for those records basically having me run in circles. I then had to call back to XXXX and I was able to speak with another supervisor there. She informed me the reason I had n't gotten a letter was because they do not send out and will not send out a letter concerning any details about my account. Because of this I disputed the negative showing on my XXXX on XXXX.17 as well the XXXX showing on the same day. I then proceeded to dispute the XXXX showing on XXXX17. All 3 credit Unions reporting agencies did not respond to my request within 30 days allowed. They did not provide me with any proof of the validation of the account that XXXX provided them. 
At this point I do n't know what was provided by XXXX to the credit reporting agencies. I spoke with a XXXX  representatives XXXX, XXXX and a supervisor by the name of XXXX on XXXX.17. I was told that a dispute came back from XXXX at a higher balance of {$1600.00} but previously it was {$570.00}. 

XXXX XXXX holds the account for XXXX and XXXX, as I have a XXXX credit card. Because of the dispute with XXXX,  XXXX XXXX informed me that they decreased my credit limit from {$700.00} to {$100.00}. I have never missed a payment and never am late on a payment. One of my big questions, is are they allowed to do that. I believe its unfair when I have always kept my account in good standings.
Consumer complaint received 2017-09-02
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. (FL)

XXXX Bank removed my inquiries from XXXX but they did not remove all them from Equifax. I have a inquiry XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX Please remove these inquiries because they were not authorized by me.
Consumer complaint received 2017-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

In XX/XX/XXXX, all my student loan accounts with XXXX XXXX XXXXXXXX were brought back current, positive reporting, and deferred until XX/XX/XXXX. XXXX is showing those accounts double on my credit report, in negative and standing and good standing. I called the XXXX XXXX XXXX and was told that these accounts should be showing current. XXXX had submitted what they needed to fix credit reporting. I have written in to XXXX about the issue back in XXXX and the delinquent reports are still showing. Status in both areas for these 3 accounts are showing transferred, closed/neverlate. The other XXXX accounts are showing open/neverlate. Deferred, payments begin XX/XX/XXXX. I called XXXX on XX/XX/XXXX and they stated that my credit reporting was approved and changed in the system in XX/XX/XXXX.
Consumer complaint received 2017-09-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica (TX)

Debit card cloned (? ), XXXX in cash withdrawals and XXXX XXXX transfers in 2.5 days. 

I informed the bank asap on XX/XX/XXXX. They claim to have sent a denial letter XX/XX/XXXX saying that because I had possession and was using the card during this activity there was no error on their part per the EFT act. I have made them reopen the investigation which they allegedly performed in less than 24 hours. The cash was taken from an atm at an address that appears on the statement. The XXXX in XXXX XXXX transfers were done in increments of around {$900.00} each. I filed a police report yesterday XXXX banks fraud unit did not not encourage this when we spoke. I asked if I should, they said I could but that the police wo n't do anything, and that this was obviously fraud. ) Bank claims they did n't flag the transactions because the pin was used.
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the XXXX Credit Bureaus about inaccurate information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX BankruptcyXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXXBalance : {$0.00} XXXX XXXXXXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXX*Balance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX XXXX*Balance : {$0.00} XXXX XXXX  XXXX XXXX*Balance : {$0.00} XXXX XXXXBalance : {$0.00}
Consumer complaint received 2017-09-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I use to think they credit bureaus at least followed the the laws set by the fair credit reporting act, but I guess not. No one can be that negligent, to forget to remove the XXXX XXXX XXXX Account. I think is illegal actively, as many times as Equifax does this to me. I have to watch my credit report like a hawk, because they make mistake after mistake or is it a mistake. I hope I do n't have to go through another 45 day investigation again, they should just look at my evidence and realize it was a " mistake ''.
Consumer complaint received 2018-06-01
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (IL)

I have not received any private student loans since XX/XX/2005. According to statute of limitations on private student loans which is 10 years company is now unable to collect under the statue of limitations Currently I am being harassed daily through phone calls, emails, written mails, etc by Navient for repayment of private student loan. As directed I have been making payments directly to US Dept of Education in XXXX GA for federal student loans for the past few years and I am current. I am XXXX and this harassment is a huge inconvenience and very unhealthy. I will be seeking a lawyer for this misallocated payments and all harassments
Consumer complaint received 2017-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

3 accounts that im not aware of that were previous removed and then added back on without a 5 day letter to let me know they were being readded ... were once again added again. 
Accounts : XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX and trust twice with 2 different accounts. Also a letter was sent verfiying that the bankruptcy ct dors not verify bankruptcys with credit bureaus ... and 2 of those were deleted and one remains and these accounts were under those bankruptcys in which these should be deleted because they were not mine or these accounts.
Consumer complaint received 2022-10-03
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. (FL)

Both of these accounts are fraudulent accounts which I don't recognize I try to fix this and nothing is getting done so please remove these account before I take legal matters. 
Account # XXXX Account # XXXX
Consumer complaint received 2017-09-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX Wells Fargo Home XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH. XXXX Subject : Notify us of property vacancy ( response ) Loan XXXX Homeowner : XXXX XXXX XXXX Property Address : XXXX XXXX XXXX XXXX, XXXX, NC XXXX Policy : XXXX Whomever it may concern : Our communication with you regarding this property has been extensive. We have made multiple attempts to work out some form of equitable solution for the return of this property including but not limited to Deed in-Lieu of Foreclosure and Short Sale. These communications with you are all clearly recorded in the conversations that you save when we call in. 

We offered to keep the property maintained to ensure the best price the market would allow, but you refused our efforts. We began contacting you about options in XXXX of XXXX 

In addition, the day we received your notices regarding insurance, XXXX XXXX letters dated XXXX & XXXX XXXX the property had all the locks changed and a lock box installed on the rear door of the residence. We received no notice that this was going to be done, which is against the law. We have been regularly harassed by Wells Fargo during the course of our occupancy of this residence by multiple tactics employed by your firm. In fact, we had our elected State Representatives office get involved with you informally and filed complaints that have been substantiated and recorded by the CFPB. Our experiences with WF included various unethical financial withholdings, improperly calculated tax documentation and subsequent amendments to taxes ( again this year, so we have to do ANOTHER amended return ), misapplied payments, improperly applied interest corrections and inaccurate reporting to multiple credit reporting agencies ( which continues today ). 

We did not abandon this property, but did vacate the premises with the intent of cooperating with the necessary steps to return it to you. The policy for the home was terminated at XXXX XXXX on XXXX. Our insurance carrier notified you of this. We have not received any funds related to policy payments from them. 

I assume that the correspondence to us via regular postal service is a legal requirement, since you routinely contact my wife and speak to her about this situation. 

The home is now inaccessible to us because all the locks have been changed. 

Regards, XXXX XXXX
Consumer complaint received 2017-09-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IN)

Equifax is suppose to resolve a dispute in 30 days. They have abused this and still have it pending after 4 months and it does not seem like they are following the Fair Credit Credit Reporting Act rules, FTC and CFPB violations. 

More than four months ago, I asked Equifax to hear my dispute with XXXX XXXX XXXX XXXX regarding a " charge off '' that was paid before the alleged charge off took place. Initially Equifax advised me they needed another 30 days. I have heard nothing in over two months. 

This has embarrassed me and my wife ( whose credit rating is perfect and she is a co-borrower on the disputed issue ). This delay affected my ability to get a timely VA refinance on my home. 

Please discipline Eqifax and require them to come into compliance with FTC and CFPB rules.
Consumer complaint received 2017-10-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

I recently filed a complaint against my mortgage servicer Wells Fargo, addressing various improprieties and misrepresentations they have engaged in while handling my loan. Wells did respond and gave their version of events relating to the origination, the illegal disbursement of insurance checks, and the failure of Wells Fargo to offer any type of path forward to resolve this matter. In their response letter they emphatically stated that they are " done with me '' that they have already offered me help on multiple occasions, thus they will not even CONSIDER my current financial situation. This is a violation of federal, state and internal protocols. Wells Fargo is obligated to review my CURRENT and CORRECT financial circumstances in order to determine eligibility. They CLAIM in their response that I did not qualify for any programs and that my loan had a negative npv, but they never provided me with a detailed denial letter listing the inputs and values that they used, nor a listing of the programs that I was reviewed for. Based on Wells reputation with consumers and being straightforward I find it hard to believe that the information used to conduct this review or assessment is accurate -- additionally, according to their timeline this review occurred TWO YEARS ago. Things have changed, my financial situation has improved, I have my daughter and son in law living with me and they are working and contributing to all household bills. I have increased my sales and commissions each year from my XXXX XXXX job and Wells does not have any of this information on record. It is disturbing to think that they are going to refuse to even consider my situation at this time because I have been a " difficult '' customer. 

There is precedent to support my contention that this is a predatory mortgage loan. My current interest rate of XXXX % proves that beyond a shadow of a doubt. Wells Fargo and XXXX XXXX claim that they have no responsibility or liability because I " signed the loan docs and did not cancel the loan. '' I beg to differ. I was misled as to the terms of the loan at origination, XXXX is a notoriously shady lender, and I requested the original loan paperwork which would document and prove my claims of malfeasance. Why ca n't they provide a copy of the loan application and the 1003? Instead they try to put it back on me and avoid responsibility. Perhaps the courts will be the ones who decide how this plays out. 

I appreciate the background on the insurance claim checks and Wells version of events. I have disputed these facts for several years but it seems that this is not going to change anything. 
At the end of the day my goal is to get this matter settled and behind me. Please work with me to resolve this matter and offer a plan to put me back into current status on this loan so that I can resume making regular payments.
Consumer complaint received 2017-03-22
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION (FL)

M & T Bank and XXXX XXXX have fraudulent foreclosed on my XXXX property in Florida with out bring in me in the case. They actually listed my property for sale in XXXX. XXXX started the foreclosure with out bringing me in, and when I filed a complaint against them, they immediately sold the loan in the middle of foreclosure to M & T Bank who finished the foreclosure. These XXXX banks had put a cloud on my title & Now XXXX is washing their hands and passing it to M & T Bank.