davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-19
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 (PA)

A few months ago an inquiry from Walmart credit showed up on my XXXX credit report. I contacted XXXX  and was advised by a representative outside the US that they could not assist and to call the police. The info seemed inaccurate but speaking to a supervisor did not help. I contacted Walmart and they confirmed they never had a credit inquiry using my social security number or name. They wrote a letter to XXXX advising but it has still not been removed. 

Also a XXXX XXXX inquiry is now listed as of XX/XX/2018. I purchased a car through XXXX XXXX on XX/XX/XXXX but did not use XXXX XXXX so that hard inquiry is inaccurate. Given approaching XXXX previously didn't work and only caused frustration I am approaching you for help to have both inquiries removed. These inquiries are not on my XXXX report.
Consumer complaint received 2021-02-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

Navient has sent several documents to show that they are correct on their side after my loans have been consolidated. I am requesting the information for my loans prior to the consolidation. The information on the Federal Aid site is different what was consolidated. I am requesting detained information on loans from XXXX and interest since on the Federal site has credits that the Navient information does not show. I am trying to identify that difference. Contacted Fed Aid website but was directed to contact Navient. Attached are copies directly from the Fed website which are in question.
Consumer complaint received 2021-02-08
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. (FL)

The last payment was made XX/XX/XXXX and the default was 30 days later in XXXX. 
The lender is attempting to make it appear the last payment and default are more recent. 
They show I was 60 days late in XX/XX/XXXX. 
This is not the first time the lender has done this. My score dropped 78 points.
Consumer complaint received 2022-11-27
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Continental Services Group, Inc. d/b/a ConServe (FL)

XXXX RECEIVED COLLECTION NOTICES FROM CONSERVE XXXX XXXX XXXX XXXX NY XXXX. ALSO AT XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX.

 THE DEBTOR WAS PREVIOUSLY OUR CLIENT, BUT NOT NOW
WE ARE THE FORMER ACCOUNTING FIRM OF THE DEBTOR.
THEY MAILED 3 COLLECTION NOTICES TO XXXX XXXX, I AM A MEMBER OF THIS ACCOUTNING FIRM. WE DO NOT WORK FOR THE DEBTOR ANY LONGER. WE  WILL ACCEPT ANY CONTACT FROM THIS COLLECTION AGENCY.

WE WILL SUE THEM IF THIS CONTINUES.
Consumer complaint received 2022-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXXXXXX 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 an account without my written instructions
Consumer complaint received 2021-02-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Chime Financial Inc (AZ)

$ ends up missing from account. I live broke off of my mother. It's what she send me. I used to have more XXXX The money I had/have disappears from my accounts. I constantly have password issues. I'm convinced that my electronics are hacked however apart of this process is hacking into web platforms, i.e. Chime Bank. Just the other day I logged into Chime and got two different platforms. I look at my account statements and they never reveal where my money has gone. I write emails and send chat messages the money is never recovered and my account statements never show money going in or out of the account and points with higher balances.
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I mailed in a order to reinvestigate my credit report for the following items and have not received anything back in the last 45 days According to Consumer Law, These agencies are required to complete investigations within 30 days or the items MUST be removed. 

XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX**************** XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX***************XXXX XXXX XXXX XXXX Account Number : XXXX**************** XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Consumer complaint received 2020-01-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Conn's, Inc. (NV)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2020-01-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Paypal Holdings, Inc (FL)

My name is XXXX XXXX, approximately two months ago my checking account at XXXX  XXXX XXXX  was hacked. Since that time we, ( the Bank and I ) have been trying to close the account. Because the hacking left the account in an overdraft I was unable to close the account until I had the funds to bring the balance back to XXXX. I reached out to all the vendors with a direct debit to that account to use a different account which I had set up. The account number in question is XXXX. The bank requires as you know the account have no transactions within 5 days and no overdraft balance in order to close the account officially. The only vendor that has continually hit that account, after several attempts to give them another option is PayPal. I have copies of a written transcript concerning resolving the issue and specifically asked them to use the new account. They assured me that the would close that account on their system. I checked my account this morning and PayPal have hit the old account again causing a overdraft fee against my specific requirements. I will attach a copy of the transcript. This is the third time this has happened and the bank was kind enough to waive the overdraft fee as i showed them the transcript from PayPal. PayPal agreed to send me a letter that they had closed the account from their records which they also failed to do.
Consumer complaint received 2021-02-08
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. (NJ)

On XX/XX/XXXX I made a purchase online from XXXX. During the checkout process, XXXX offered a XXXX XXXX option of 6 easy payments of {$49.00}. At no point during the checkout process, did XXXX notify me that a credit report would be pulled in order to use XXXX XXXX. In fact I never entered a Social Security number which is usually required to apply for credit. There was no notification, no pop-up box saying selecting value pay would authorize XXXX XXXX To pull a credit report. The item was {$300.00}, I have {$21000.00} in available credit and did not need to use XXXX XXXX. It gave me the option, and there was no disclaimer about how it worked. I made the purchase, chose XXXX XXXX and checked out. The very next day, I received a notification that there was a new inquiry on my credit report. I looked and to my shock, it was from XXXX XXXX. I immediately reached out to their credit department, and spoke with a representative there. She told me that Equifax allows them to only submit Name and Address to pull credit reports, and this was how they were able to obtain my credit report. How is this even allowed. I thought requesting credit required a social security number. Anytime in the past when I have applied, that is the one piece if information that I must supply. Needless to say, I told her that this was deceptive business practices and to have the inquiry removed. She told me they could not do that, and I would need to reach out to Equifax directly. So I went online to Equifax and disputed the inquiry on my credit report. I received an email back that they validated the information as correct and that I authorized XXXX  XXXX  to pull a credit report without my social security number. I believe these are false and deceptive business practices and I need this to be investigated by the CFPB. No one should be able to obtain a credit report without my express consent or without me providing my social security number.
Consumer complaint received 2020-01-28
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: ALLY FINANCIAL INC. (TX)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as  possible and confirmed to be correct. Thanks!
Consumer complaint received 2022-01-07
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Consumer complaint received 2021-01-13
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 XXXX Balance Owed : {$1800.00} This kind of account is in fact posted as a charged off account. The balance is in fact incorrect, make sure you reverse it to zero or erase the item totally. Make sure you also render documentation to be sure of all the charges and credits to this alleged account is mine. If you can't give these details and proof on this per my civil rights petition, you need to instantly Delete this wrong account. 

XXXXXXXX XXXX Balance Owed : {$2800.00} This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX/XXXX XXXX Balance Owed : {$1000.00} This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX Balance Owed : {$0.00} This account must be delete immediately due to years of late payments after account was already closed. 

XXXX XXXX Balance Owed : {$0.00} This account does not belong to me, please delete this account. 

XXXXI XXXX Balance Owed : {$160.00} Reporting unknown which means it's incomplete, please delete this account.
Consumer complaint received 2018-11-16
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. (VA)

Dear Sir or Madame, The purpose of this communication is to file a formal complaint against Equifax. I have repeatedly asked for evidence to support their reporting, but they have failed to provide me with a copy of viable evidence submitted by the following collection agencies reporting fraudulent collection accounts in my credit files. 

1 ) XXXX XXXX - Original Creditor : XXXX XXXX XXXX Balance - {$150.00} 2 ) XXXX XXXX XXXX - Original Creditor : XXXX XXXX XXXX XXXX Balance -  {$320.00} 3 ) XXXX XXXX XXXX - Original Creditor : XXXX XXXX XXXX XXXX Balance - {$120.00} Unfortunately, after not receiving any responses from the collection agencies reporting erroneous collection accounts on my credit reports. I disputed these accounts on three separate occasions with all 3 credit bureau 's by mail ( Certified mail return receipt requested ) requesting the following : 1 ) Investigation of the fraudulent collection accounts 2 ) " Burden of Proof '' Documentation bearing my signature, verifying that these accounts belong to me 3 ) " Fraud Alert '' be placed in my credit files with my phone number asking that goods or services not be extending without first contacting me personally and verifying all application information. 

Thankfully, XXXX  and XXXX abided by the " Fair Credit Reporting Act '' by working with me in a collective manner to rectify these fraudulent collection accounts ultimately deleting them from my credit files. However, I have little to no responses from Equifax in providing me with the " burden of proof '' or status of my investigation/re-investigation results within a timely manner. Most importantly, in my third written communication to all three Bureau 's I submitted a police report, a letter requesting a Fraud alert be placed on my file and a re-investigation of the fraudulent collection accounts. 

Therefore, I will be providing all supporting documentation to support my claim and attempts to communicate effectively with Equifax and the collection agencies regarding this matter. Lastly, I am asking for you to intervene for a fair judgment based on the Violation of The Fair Debt Collection Practices Act and The Fair Credit Reporting Act ( including but not limited to Section 623. ) and have any inaccuracies removed from my credit report.
Consumer complaint received 2022-04-24
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. (TX)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 
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 an account without my written instructions.
Consumer complaint received 2021-02-08
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: HYUNDAI CAPITAL AMERICA (FL)

My fiance and I went to XXXX XXXX car dealership in XXXX, Florida to trade in her vehicle for a new one. We were {$9000.00} upside down in the vehicle. They told us no problem. We told them to run our credit report once. We did not want them repeatedly running our credit. She found her dream car, a XXXX XXXX XXXX. I offered them {$500.00} down they told me to save it, it would only lower the payment by {$20.00} or {$30.00}. We took the car home that Monday night. The next morning she got alerts on her phone that her credit was still being inquired. I went to the dealership and asked the XXXX XXXX about it and he told me, after looking on the computer that we had two approvals and the deal is done. Fast Forward to Friday, we called the dealership about the remote start and they told us the XXXX needed to speak to us. He said, they were requiring {$2500.00} down to close the deal. We went back and we negotiated a {$1000.00} down payment with cash due in 30 days. They day before I was about to give them the first portion of the down payment they told us there was no deal and wanted the car back. Not only was my fiance crushed, we were now two months behind on the other car payment and our credit scores had gone down over XXXX points because they repeatedly ran the deal to 20 different primary and secondary lenders without our permission after assuring us we had two approvals and the deal was done.
Consumer complaint received 2021-01-12
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (AL)

XX/XX/XXXX : SYNCB/SCORE REWARDS DC reported a New Bank/Credit Card to my XXXX Credit File. 

XX/XX/XXXX : XXXX  got a copy of my XXXX Credit Report. XXXX made a Retail Inquiry by checking XXXX Credit File. A " hard inquiry '' may be placed on Credit File and it stays on the report for 25 months. 

XX/XX/XXXX : Disputed unauthorized activity from SYNCB/SCORE REWARDS DC. 

XX/XX/XXXX : Placed a fraud alert on all 3 credit bureaus. 

XX/XX/XXXX : Froze XXXX credit account preventing any new accounts. 

XX/XX/XXXX : SYNCB/SCOREREWARDSDC reported a New Account to my XXXX credit file. 

XX/XX/XXXX : SYNCB/SCORE REWARDS DC has reported to XXXX that a card has been lost, stolen, or replaced. 

XX/XX/XXXX : SYNCBCARE CREDIT made an Inquiry by checking my XXXX Credit Report. 

XX/XX/XXXX : SYNCB/SCORE REWARDS DC Highest balance {$2200.00}
Consumer complaint received 2021-02-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (MA)

Background : My partner and I tried to refinance our home mortgage through Rocket Mortgage starting XX/XX/XXXX. During the initial refinancing process, we were upfront with our loan officer and let him know that 1 ) I am a XXXX student and so my income is very minimal, and that 2 ) my partner owns a LLC and he is a consultant with 1099 forms. This means that his income is not as consistent as a W2 workers ' and that he will have periodic weeks of unemployment with no income while he is looking for new contracts. However, once he is able to successfully lock down a contract, his income is around $ XXXX. He also has enough saved in his savings accounts to keep himself stable while he is unemployed and then some. Our loan officer took down this information and told us that this is fine and that this won't negatively impact our ability to close our refinanced mortgage. We paid {$500.00} as a deposit and began the refinancing process.

Problem : Two months later ( XX/XX/XXXX ), Rocket Mortgage told us that they can not process our refinanced mortgage and they have to close our loan because there was a lapse in income. They said this because during the two months ( XX/XX/XXXX to XX/XX/XXXX ), my partner completed a contract and is in the process of negotiating a new contract ; he is unemployed and does not have any income at the moment. However, as indicated in the previous section, we had already let Rocket Mortgage know about our income structure and they indicated it would not preclude us from closing our new mortgage. As it stands, it feels predatory that they seemed to understand how our income operates but then penalize us when what we told them about our income plays out in real life. 

Current situation : Rocket Mortgage has closed our loan and we are trying to get our {$500.00} back.
Consumer complaint received 2018-02-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (IL)

I am filing this complaint because of deceitful if not illegal practices regarding the short sale of my property. 

1. OnXX/XX/XXXX after seven months in the short sale review and negotiation process, I received a written short sale counter offer from US Bank in the mail. 
2. The counter offer was to increase the purchase amount to no less than 95,000 and the facts in [ my ] application have remained the same. 
3. I accepted the counteroffer in writing and submitted as requested a valid Purchase Agreement [ ] byXX/XX/XXXX 
4. I included a settlement statement reflecting the conditions of the {$95000.00} price and all else remaining the same. 
5. The consideration for this agreement was an additional {$7700.00} in net proceeds to US Bank over my previous offer.

6. US Banks BPO on the property came back with a {$95000.00} valuation 7. OnXX/XX/XXXX I was informed that US Bank reneged on its own counteroffer noting an investor decision. 

In following up on this news, my attorney and I were told to call XXXX XXXX and discuss the issue with them. XXXX XXXX said because the short sale was in a foreclosure process, they could not talk to us. The agent said that an attorney needed to speak with another attorney at US Bank and referred us to the Legal Department at US Bank. They instructed me to call the toll free number for customer service and ask to speak with the Legal Department. We did that. The customer service agent at US Bank told me that she could not transfer me to the Legal Department because my account was flagged as mortgage assistance point, e.g. in loss mitigation. 

Instead, she transferred me to Loss Mitigation, who transferred me to another associate, who transferred me to one supervisor who transferred to another supervisor, who transferred me to a customer advocacy associate. The customer advocacy associate indicated ( as did the others ) that it was the negotiator who has the communication with the investor. We asked to speak with the negotiators supervisor and were told he would get back to us, but he would probably not be able to help because it was an investor decision. We were told the offer is rejected, but not denied. At that point, the customer advocacy agent advised me to file a complaint with the Consumer Advocacy Department. I did a week ago and have not received even an acknowledgment that the complaint was received. 

My position is that we have a legal and binding contract. US Bank sent me a counter offer, I accepted it and increased the price as consideration.