davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-17
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. (CA)

XXXX, which recently changed their name to XXXX XX/XX/XXXX, and now they are known as XXXX, is fleecing my husband and me as consumers. We are in agreement with the servicing center for a shared appreciation modification. Under this modification, 100 % of our deferred principal balance would be forgiven in equal installments over ( 3 ) years on each of the first, second and third anniversaries of the modification date which originated XX/XX/XXXX. This deferred principal is treated as a non-interest bearing principle forbearance and we are not obligated to pay interests or make monthly payments on any portion of it. This amount has never been reported to the three major credit bureaus over the past 2 years and 6 months since the signing of the modification until recently.

1 ) XXXX/XXXX/XXXX XXXX  has breached the terms of the modification by not forgiving one-third of our principal balance on the first anniversary of XX/XX/XXXX, this portion was not forgiven until XX/XX/XXXX, the second anniversary of XX/XX/XXXX which was not forgiven until XX/XX/XXXX and the third anniversary of XX/XX/XXXX which has yet to be forgiven. 

2 ) XXXX/XXXX/XXXX XXXX before XX/XX/XXXX was only reporting the regular principal balance to the three major credit bureaus. Once the company changed its name, they added the remainder of the deferred principal to our regular principle balance and increased our debt by {$46000.00}, thus, lowering or credit score by as much as 20 points.

3 ) Owen/PHH/New Rez has yet to take accountability for their actions after countless conversations with representatives. Today, XX/XX/XXXX we spoke with XXXX, agent identification number SDG, who stated that the remaining deferred principal of {$46000.00} amount would be added to the backend of our loan per a letter dated XX/XX/XXXX. She asked, " how much do you believe that you owe? '' We immediately asked for a supervisor and was transferred to XXXX, agent identification number XXXX, who stated that a letter was sent out which states that the debt would be forgiven on XX/XX/XXXX. 

4 ) Although we have arrived at our third anniversary, we have yet to have the remaining deferred principal forgiven. Our credit score has been significantly impacted by the actions of XXXX XXXX.
Consumer complaint received 2018-02-22
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: CITIBANK, N.A. (CA)

When i first signed up for the XXXX  Credit Card the Customer service rep. messed up and input the wrong social.Which i had problems to make a payments. I called the company and they fixed the social security issue but not the late payments issue which still appear in my report and is negativly impacting my score. After this i had submit a dispute to the creditor thru XXXX XXXX but didnt recive a feed back.
Consumer complaint received 2021-01-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

I went into the COVID forbearance with my mortgage provider, Wells Fargo, as a precautionary step in case I was not able to pay during the pandemic. I stopped the forbearance after two months because it looked as if I would not need to proceed with the third month. 

When I cancelled it, there was no mention by the representative at WFH about the missed payments, and now my loan is considered in default. When I called today, after I received their letter, the rep stated I had only one option and that was to repay the back balance instead of it being tacked in to the end of the loan, extending the payments by two months as I had originally thought was the case. 

I did not know that I was in default. I have not heard from WFH until now and I can not afford to raise my payments, or go through a loan remodification or refinance because this has hurt my score.
Consumer complaint received 2018-02-22
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: CORELOGIC INC (CA)

Credco Inquiry from XX/XX/XXXX I spoke to CREDCO They told me that the account CLOSED and they contacted all credit agencies. They told me that they had to " Re-Open '' the case and find out why it was not removed they pulled my credit on XX/XX/XXXX without consent nor permission. XXXX XXXX never responded and failed to provide " Factual Records ''. They also pulled my credit on XX/XX/XXXX and again on XX/XX/XXXX in 30 days that " XXXX '' " XXXX '' AND " XXXX '' Delete this from my records. Please see the attached Information from CREDCO and you can CONTACT Them directly to verify this was " removed '' yet you guys failed to remove it from my credit file I want " all three removed '' from my credit report in 30 days or Ill seek damages caused. They have submitted this request in XX/XX/XXXX and should of been removed then, CREDCO Claims they sent out all documents and request for removal. I checked my credit report and its still on my account. You have 30 days before I seek damages as this is stopping me from getting a loan to my property as this was " 15 '' points taken from my account without consent. 


Credco Inquiry from XX/XX/XXXX Credco Inquiry from XX/XX/XXXX " Credco you stated via telephone that all three bureaus were contacted for removal. The company XXXX XXXX Did not have consent nor permission to pull my credit - You Investigated this and found out I was correct and this was not " factual '' records. CREDO Told me that they contacted XXXX, XXXX   AND XXXX for removal back in XX/XX/XXXX - They never removed this from my credit nor has CREDO Calld me back to fix this issue. ( XXXX ) XXXX I gave them to many chances they pulled my credit in total of three times I want all three removed not just " One ''. I will cc my Attornery as I plan to sue you in a court of law. 

You failed to remove all three from my credit filed. 
You failed to contact me You failed to keep me updated You failed to send a letter of deletion for proof as your Representative stated he would have them contact me, He also Indicated that they have contacted all the agencies for removal and I had to re-call back in over 5 times requesting removal. 

CREDCO / Does not have permission to pull my credit nor did they have consent they contacted XXXX XXXX and failed to remove this. I will not wait more then 30 days and I did seek an attorney for damages as CREDCO Pulled my credit removing " 15 points from my credit and refusing to remove this and or send me a deletion record ... ...
Consumer complaint received 2021-01-04
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. (PA)

I have 30 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2021-08-18
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. (TN)

My privileges of privacy have been penetrated and intruded by this bureau which is an immediate infringement of federal law. This bureau reporting misleading accounts on their website without my written consent and this is another violation as well. it is their responsibility to ensure fairness, impartiality and protect the consumer 's rights of privacy. I am distressed with their negligence.
Consumer complaint received 2022-04-15
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (MD)

I currently have a Home Depot card that I had in my possession over several years who is back by Citibank recently I just noticed that they decrease my credit limit from $ XXXX {$1200.00} with no reasoning behind it never been late never went over my balance on my credit limit they just simply said that they was decreasing it I feel like as a consumer that is totally unacceptable is an disheartening and affect my credit report .I need this matter to get fix immediately.
Consumer complaint received 2022-10-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

My checking account was used to pay off several different credit cards from my Chase checking account. The payments were paid so available credit would be issued, to use my card fraudulently. The bank has initially credited my account and now has taken the amount back out. I did not authorize these charges the bank will not refund my charges.
Consumer complaint received 2021-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (NC)

Barclays AAdvantage MasterCard requires customers to provide last 4 digits of social security number to speak to customer service. I asked about using a different 4 digit code, but was refused an alternative. I never authorized Barclays to use my SSN in that fashion and feel this is an identity theft risk. Called to customer service, then was forwarded to security who could not assist. Finally spoke to customer service manager who said there was no other alternatives available. Calls happened on XX/XX/2021.
Consumer complaint received 2021-01-04
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)

I have Unauthorized accounts & inquiries on my Credit report. According to the Fair Credit Reporting Act, you are required by federal law to verify Any Unauthorized items on my report must be removed if not % 100 accurate & Verifiable. Please Remove this From my report I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed.
Consumer complaint received 2021-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

I contacted XXXX  and explained to them that my name is not correct on my XXXX. One name that is on my credit report as the same name as a person who lives close to me from Florida. I had to go threw a lot to get all his matter that was on my report off my report. And the other name on there, is wanted for XXXX, and I am always getting asked if I am that person. My name is XXXX XXXX XXXX XXXX, it shows this on my dr lic and it shows it like this on my birth certificate. I contacted XXXX  2 times in the month of XX/XX/2020, and explain this to them, both times I was told everything was off, and just my name appears on their. But when I go on line, I see different. So the second person I asked him to send me a copy of my XXXX  credit report. And just like it was on line, my info was still incorrect. I asked to speak to a supervisor multiple times, and keep being stuck in que on hold for hours. I just want my name and address correct, it is to much fraudulent things going on, and I am just trying to protect myself. And I should have only one address, Ive lived at this address for over 40 years. Sorry for this, but I cant reach out to XXXX, their customer service is horrible.
Consumer complaint received 2021-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MN)

I am having trouble with getting my credit report from equifax. There is information on there that is wrong, and I can't get into my report to even dispute or fix the errors.
Consumer complaint received 2019-02-06
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: SYNCHRONY FINANCIAL (NY)

Please note on XX/XX/XXXX I opened up a 13 month CD with Synchrony Bank at 2.65 %. for {$1.00} million. On XXXX XXXX I noticed the bank was offering 2.75 % for a 15 month CD. I called Synchrony on XX/XX/XXXX and spoke to " XXXX '' at XXXX and asked her if I was able to change to new 2.75 % 15 month cd without a penalty. She said yes because i was within the '' 7 day grace period '' This phone conversation was recorded. I recently received my XXXX interest statement and noticed Synchrony charged me a {$500.00} penalty for early withdrawal. I called Synchrony and spoke to a Supervisor XXXX XXXX at ext XXXX who said XXXX was mistaken even though she did say there was no penalty on the recording. I escalated this to a District manager XXXX XXXX in XXXX Kansas on XX/XX/XXXX and he said the bank made a mistake and " XXXX " was wrong but the would not refund my {$500.00} Penalty.. P ; ease help me obtain a refund of my penalty..If I was advised there was a penalty I would not have changed CDs. Thank You
Consumer complaint received 2021-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (SC)

Someone with a similar name filed a Bk in 2013 and it is listed on my credit report with XXXX and XXXX. I have never given Lexis Nexis written permission to provide this information to ANY consumer reporting agency. I have wrote the courts and the responded saying that they do not provide any personal information to any credit bureaus. I have reached out to XXXX and XXXX and they both said that Lexis Nexis provided them the information.
Consumer complaint received 2021-08-18
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)

Ive been a victim of fraud I have wrongfully Open the account under my name that has went delinquent and now closed and hurting my credit badly with the late payments and unpaid debt I have put security freezes and fraud alerts on all my reports so this doesnt happen again
Consumer complaint received 2021-01-04
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. (OH)

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2019-09-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (VA)

I originally reached out to capital accounts after seeing a charge on my account with XXXX for a very large, false amount that had never been reported to me by the collection agency or school themselves. I told them the debt was invalid with no supporting documentation with no help I went to the XXXX  of Virginia Department of Higher Education and they found that the school did not have any documents holding me financially responsible for this debt and ruled that i was not responsible. It was in fact invalid, it was noted XXXX did not take the proper steps and was at fault. Fast forward to now Capital accounts still refuses to take the account off and the school is not cooperating with me either despite what the director told higher education, me and supporting documentation. They are hanging up on my face, refusing to allow me to talk to management higher up positions, my calls are continuously " dropping '' despite being very polite, respectful, calm and showing all proper documentation. They are claiming to wait on the action of the school but the school is claiming to be waiting on them it is a entire run around. the main deal is the amount is not supposed to be on the and needs to be removed expeditiously.
Consumer complaint received 2021-01-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RUOFF MORTGAGE (MI)

We were not provided our closing cost until 24 hours from closing. 
Our loan officer did not inform us that our mortgage payment would be more we didnt find out until closing. 
Our loan officer told me in writing that my fiancee could be added to deed at closing we didnt find out that she could not be added until after we closed. 
Our interest rate was changed We were provided 4 different final amounts Our mortgage payment was changed from {$840.00} per month to XXXX
Consumer complaint received 2021-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (NJ)

After working extremely hard to fix my credit for years and busting my XXXX to make money I finally had the chance to apply for a Chase credit card. After I filled out my most recent application on XX/XX/XXXX they requested documents on my income. I uploaded documents of my accounts and never heard anything back. I called a couple times to get updates but finally on XX/XX/XXXX I was able to get some information. Everything I sent them wasn't good enough. The money is there and the income is there. I have offered to send them anything they need but nothing I offer is good enough. They are asking where the money is coming from and I tell them over and over the money comes from options trading and stock investments. All of the information is in my accounts. I have offered to send them detailed information of all of my buying and selling but they say no, you need tax returns. I will not have tax information for months and they know this. Every piece of information I offer them isn't good enough. This is insane. I am being discriminated against. They know exactly what to ask for that people can not get. They are professionals at discrimination.
Consumer complaint received 2021-01-04
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. (NY)

After reviewing my credit report I noticed that an account that was removed is still being shown on the XXXX  and Equifax credit companies. It was removed from XXXX  as well but somehow it is showing up on the other 2 companies. I have included documentation to prove that this account was removed so it should be consistent across all 3 credit bureaus. I don't understand how it can be removed and magically come back and hurt my score again. Please remove this account from my credit report and have it consistently report across all 3 bureaus.
Consumer complaint received 2022-08-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (IA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

Again, I was a victim of identity theft and this is another request to remove the account and information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/2022. Ive already included this report in my previous letter dated XX/XX/2022 & I am including it again. Also, the information theat some Credit Bureau provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. This letter is to notify the Credit Reporting Agencies that if they do not REMOVE the listed items on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Under the FCRA section 605b, I am requesting that the XXXX and Equifax Credit Bureuas remove the following items completely from my File : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX Balance Owed : {$300.00}
Consumer complaint received 2021-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NY)

XXXX XXXX XXXX, a US military XXXX service member, I have used a Citi credit card account for 3 years, Recently XXXX closed all my credit cards account for no reason, which makes me and my family very frustrated, I have never missed payment and any due. I use my card every year, have no risky behavior, often refer to a recommendation by friends with Citi products. In the recent epidemic, I serve the country, live in the military base also no anywhere can use credit card frequently, Kindly help check