davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-24
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2020-06-16
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)

I got my credit ran at the XXXX dealership today XX/XX/20 because I'm trying to buy a car and my credit report came back with two accounts in negative standing ; I had no idea these accounts were on my credit report because I did not open either of them nor do I have any written/verbal contract with those companies. The companies in which these accounts were opened are called XXXX XXXX & XXXX XXXX. I am not affiliated to these companies in any way and I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not make any payments towards these accounts. I have filed a police report regarding these unauthorized accounts.
Consumer complaint received 2018-10-26
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch (RI)

Received XX/XX/XXXXstatement in XX/XX/XXXXand amount due was listed as {$1200.00} ( 4.375 % rate ) which I have been paying. I have my payment withdrawn automatically and the amount they withdrew was {$1300.00} ( 5 % rate ). When I did discover a shortage in my checking account I researched only to find that XXXX   deducted a different amount than my statement. Upon numerous calls, why has there been no return call from XXXX  with resolution? I was told that there is a note on my file stating that the account is under investigation. Who does not call a client when there is a problem and who changes/reverses an account 'completely ' without discussing it with a client. I had a modification done XX/XX/XXXX and the rate was taken to 4.375 %. I have the paperwork which is signed and notarized. Next statement I received reversed my legal agreement of XXXX XXXX and changed all the statistics WITHOUT DISCUSSING OR REVIEWING WHAT IS GOING ON WITH ME. It's now well over a month ago and when I do call I am being told that it is still under investigation. My XX/XX/XXXX payment of {$1200.00} is not being properly reflected and I'm getting calls asking when I am going to make a payment ... which they already had. Personally, I feel this is a computer glitch and should have been resolved within a week. I canceled my auto payment and sent a check in the amount of {$1200.00} for XX/XX/XXXX as per our agreement enclosed and notarized. Any wrongly withdrawn monies, {$66.00} to be exact should be applied to my principal. I need XXXX to make the corrections back to 4.375 % and legally honor my XX/XX/XXXX agreement. I have sent them a copy of the agreement that they signed and notarized.
Consumer complaint received 2022-07-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aldridge Pite, LLP (AK)

Clear Recon Corp ( CRC ), AKA Aldridge Pite , LLP ( AP ) is illegally foreclosing non judicially on XXXX loan that was secured by a deed of trust recorded on XX/XX/XXXX in the XXXX, Alaska, Recording District XXXX and natured in XX/XX/XXXX on a XXXX XXXX XXXX alleged default stated by Clear Recon Voluntarily as XX/XX/XXXX. Unknown party referred the loan to AP for foreclosure in XX/XX/XXXX already time-barred in AK. Thereafter, CRC who can not record Substitution of Trustee to themselves also recorded Notice of Default on XX/XX/XXXX for the time-barred date XX/XX/XXXX, which notice set the trustee 's sale for XX/XX/XXXX. Due to a bankruptcy petition filed by the Consumer on XX/XX/XXXX ( XXXX XXXX. XXXX ), the trustee 's sale was postponed multiple times and eventually canceled because the statutory number of maximum postponements had been reached. On XX/XX/XXXX, the bankruptcy court granted a relief from the automatic stay to XXXX  XXXX XXXX that does not own the loan but not to XXXX erroneously allowing the foreclosure action to proceed. CRC was instructed by unknown servicer to proceed with the foreclosure, however, the file was placed on hold due to the COVID-19 moratorium. After the COVID-19 moratorium ended, on XX/XX/XXXX, the servicer instructed CRC to place a hold on the file for loss mitigation. Once the loss mitigation hold was released, CRC prepared and recorded a Voluntary Termination Notice rescinding the XX/XX/XXXX Notice of Default. A second Notice of Default was recorded on XX/XX/XXXX setting the trustees sale for XX/XX/XXXX. CRC has not responded to the Consumer regarding the CFPB Complaint and does not intend to so. Clear Recon Corp filed on XX/XX/XXXX an illegal non judicial notice of default and sale on his home with a XXXX XXXX XXXX stated default date on XX/XX/XXXX, years time-barred past the Alaska statute of limitations on mortgages, and requests that this time-barred non-judicial foreclosure be stopped. On XX/XX/XXXX, the Consumer filed an Adversary Complaint in the U.S. Bankruptcy Court, Alaska District, as Case No. XXXX ( Adversary Complaint ) for wrongful foreclosure naming CRC and the servicer as defendants. On XX/XX/XXXX, CRC filed its Motion to Dismiss Adversary Action erroneously alleging the Consumers claims are barred by res judicata or claim preclusion. At this time, there has been no ruling issued in the action on the Adversary Complaint, and a hearing was set to XX/XX/XXXX. CRC is violating AS 34.20.070 ( a ) that clearly precluded 4th non-judicial bite of the apple after judgments have already been given in the previous case.
Consumer complaint received 2022-07-25
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX  account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-25
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: Experian Information Solutions Inc. (TX)

XXXX XXXX  Report Date : XXXX XXXX, XXXX CLOSED ACCOUNT STATUS Closed accounts stay on your credit report for up to 10 years since the date of last activity. Negative information such as late payments or collections, generally stay on your XXXX credit report for up to 7 years from the date of first delinquency. 

Details Payments Overview Account Number XXXX XXXX Account Status CHARGE_OFF Owner INDIVIDUAL Account Type REVOLVING Creditor Classification Loan Type CREDIT_CARD Original Creditor Name Months Reviewed 1 Activity Designator Terms Frequency MONTHLY Term Duration Purchased From Sold To Balance and Amounts Balance {$2700.00} Credit Limit High Credit Available Credit Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity Date of First Delinquency XX/XX/XXXX XXXX XXXX  Report Date : XXXX XXXX, XXXX CLOSED ACCOUNT STATUS Closed accounts stay on your credit report for up to 10 years since the date of last activity. Negative information such as late payments or collections, generally stay on your XXXX credit report for up to 7 years from the date of first delinquency. 

Details Payments Overview Account Number XXXX XXXX Account Status PAYS_AS_AGREED Owner INDIVIDUAL Account Type REVOLVING Creditor Classification Loan Type CREDIT_CARD Original Creditor Name Months Reviewed 38 Activity Designator Terms Frequency MONTHLY Term Duration Purchased From Sold To Balance and Amounts Balance {$0.00} Credit Limit {$2500.00} High Credit {$2800.00} Available Credit {$2500.00} Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity XX/XX/XXXX Date of First Delinquency
Consumer complaint received 2021-06-24
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)

Thank you in advance for your assistance. I have been trying to get this issue resolved with Equifax for some time now. I notified them that some has been trying to open accounts with XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX in my name. I did not apply for anything. I have attached an identity theft report to have these things deleted.
Consumer complaint received 2022-08-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: TRUIST FINANCIAL CORPORATION (CA)

I applied for a personal loan from LightStream which is run by Truist Financial Corporation. Truist, LightStream, and the LightStream logo are the service marks of Truist Financial Corporation. The Loan was declined on XX/XX/2022. After submitting application they send me an email to answer questions about my application. I called the number provided in email and answered all questions their agent asked. I was asked to submit more documents in addition to documents and details already given in my application. 
I complied and submitted several documents only to be told in another email that my loan is declined and I can " check '' the reasons after logging on their website within XXXX  days. I never received any call any letter or any reasoning from this company. Based on their advertisements online, my credit score and my annual salary as a XXXX and my investments and saving, I believe that I am discriminated by this company based on my XXXX my XXXX, my XXXX. This is a sham company which should be investigated and if required prosecuted. 

XXXX XXXX
Consumer complaint received 2018-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

Citibank was ordered by the court to reimburse the over charged interest rate fees. They owed me {$3100.00}, they took the money, applied it to my balance owed on the credit card, dropped my credit card limit, they told me that it was all legal. My question is, is that legal?
Consumer complaint received 2022-08-01
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. (MO)

This company continues to violate my consumer rights and the law but telling u that they are doing there job and following rules which i proof multiple time with document of how they just put all the accounts in dispute on XX/XX/XXXX but now it comeback as updated but they will tell u that they doing there job.
Consumer complaint received 2018-10-26
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: SYNCHRONY FINANCIAL (FL)

XXXX XXXX TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX XXXX XXXX XXXX   XXXX TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX SYNCB/ XXXX  TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX TO WHOM IT MAY CONCERN, This letter is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named federal law. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( Equifax, Experian or TransUnion ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for at least the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information to a credit reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, then by law all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

I would also like to request, in writing, that no further telephone contact be made by your offices to my home or to my place of employment. If your offices continue to attempt telephone communication with me it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 

It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 

Regards,
Consumer complaint received 2022-07-22
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. (NJ)

I am filing a complaint for the following inaccurate information on my credit report. I have highlighted the items that are inaccurate on my credit report. I have also attached screenshots of the inaccurate information on my credit report. 

The following items are inaccurate on my credit report : XXXX Incorrect account number Incorrect high balance Incorrect date of last activity Incorrect date reported Incorrect date opened Incorrect date closed Incorrect payment status Incorrect creditor remarks Incorrect last payment date XXXX  XXXX Incorrect high balance Incorrect last verified date Incorrect date of last activity Incorrect date reported Incorrect date opened Incorrect date closed Incorrect creditor remarks Incorrect last payment date Incorrect credit limit XXXX Incorrect account number Incorrect high balance Incorrect last verified date Incorrect date of last activity Incorrect date reported Incorrect date opened Incorrect date closed Incorrect creditor remarks Incorrect payment status Incorrect last payment date Incorrect credit limit XXXX XXXX XXXX Incorrect account number Incorrect high balance Incorrect last verified date Incorrect date of last activity Incorrect date reported Incorrect date opened Incorrect date closed Incorrect account rating Incorrect creditor remarks Incorrect account status Incorrect last payment date XXXX  Incorrect high balance Incorrect last verified date Incorrect date of last activity Incorrect date reported Incorrect date opened Incorrect date closed Incorrect creditor remarks Incorrect last payment date Incorrect credit limit To resolve the problem, please investigate this matter and contact the credit bureaus to have them update or delete this inaccurate information from my credit report as soon as possible.
Consumer complaint received 2022-08-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (AL)

I filed bankruptcy, I experienced a financial hardship due to XXXX, I lost my dad ( a veteran ) due to XXXX, and I was fired from my job. I applied for a forebearance, and I have explained that I am currently experiencing financial difficulties, but I want to keep the home and I am requesting a lower payment. They sent me a refinance, which INCREASED the monthly payment, increased the interest rate, increased the amount owed to be HIGHER than the original amount purchased in XXXX, and started the loan over to a new 30 year mortgage! I REFUSED to and agree and I told them this was predatory lending!! 

They then stated they would do a " partial claim '' for {$31000.00} and HUD would put a lien on the home and I would owe a " balloon payment '' at the end or the current mortgage, or if I sell them home. XXXX delivered the modification papers on Saturday, XX/XX/XXXX and the interest rate has still changed to 5.5 % ( which is higher than the original 4.25 % ), and it says the loan is now 40 years to XXXX, instead of XXXX which should be remaining and my loan ends in XXXX! My last mortgage statement shows the balance is {$160.00}, XXXX but this paper work says the new balance will be {$210.00}, XXXX!! I do not understand how and/or why they are changing these figures, but it seems like a scam or rip off and they are taking advantage of people due to a Pandemic and financial situations that are out of anyone 's control!
Consumer complaint received 2022-10-24
Product: Credit card or prepaid card — Store credit 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: WELLS FARGO & COMPANY (CT)

Wells Fargo XXXX card pay 100 % a merchant for a service was never completed 100 %, I was going to start an orthodontics treatment for my wife and they charged 100 % of the money without starting the process without my consent, I disputed with Wells Fargo and it passed 20 days and nothing happen.
Consumer complaint received 2022-07-25
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-08-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (CA)

I have a Savings Account with Marcus by Goldman. I am withdrawing only {$5500.00}. This criminal outfit Marcus by Goldman.blocked my transfer and blocked my saving account without no cause - causing significant signifcant problems. it is my money- not this criminal outfit 's money. Furthermore, criminal outfit Marcus by Goldman countiunes to discriminate and harass me.