davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-15
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)

To CFPB, Please take strict action on Equifax for violation of the Fair credit reporting act. It has been more than 3 months since my consistent follow-up and several notifications from XXXX to Equifax regarding correction on the report. Despite of several notifications from XXXX XXXX  and me to Equifax, Equifax consistently violates the act and does not correct the report by removing the wrong hard inquiry of XXXX. Every time, Equifax only does drama ) '' we are working on your complaint '' ) and after taking the adequate number of days, just simply closes the complaint.. Attached is letters issued by XXXX XXXX  in this regard.
Consumer complaint received 2020-01-26
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. (TX)

I have a mortgage with XXXX XXXX, and have had it for over 10 years. For some odd reason in XX/XX/2019 they started reporting to the credit reporting agencies my balance being XXXX higher than it actually was, violating the terms of the loan disclosures in my closing documents.
Consumer complaint received 2018-02-10
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: Innovis (NJ)

I have received several Hard inquiries last year. I am very upset. I was VERY clear with them. they can feel free to pre-qualify me for the loan, give me their rate, and do a soft inquiry. for some reason they felt the needed to hard inquire me. Pre-qualifications for mortgages shouldn't be hard inquiries. I haven't even signed a loan agreement with them. 


Cbcinnovis XXXX XXXX/XXXX  XXXX/XXXX The only banks authorized them to do what they needed were XXXX XXXX XXXX and XXXX XXXX.
Consumer complaint received 2020-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CITIBANK, N.A. (AE)

On XX/XX/XXXX and XXXX of XXXX my Citi Master Card was used to make four purchases totaling {$1800.00} in Illinois. I disputed these charges with Citi because I do not live in the United States, I have been living in XXXX since XXXX. I was contacted once by Citi during their investigation and asked if the card was in my possession, which is it was. I explained to them, again, that I live in XXXX and was here when the purchases were made and it was impossible that I made the purchases. In fact the purchases were very much outside my normal usage of the card ( I only used the card for a monthly payment to an XXXX  sports channel @ XXXX euro ). I received a letter from Citi stating " Your dispute has been closed '' the reason they gave was " The card 's EMV chip was used to make the disputed transactions at a chip enabled card reader. You verified that your card was in your possession at the time of the transactions, so we don't consider this fraudulent activity. '' I have contacted the company twice, sent them a copy of my passport, copies of documents proving my residency in XXXX, copies of billing statement of My XXXX XXXX card which shows me making purchases in XXXX around the dates of the disputed charges ... ..anything I could think of to prove I was five thousand miles away from Illinois when and where these purchases were made. They have told me the dispute is closed and can only advise me to contact the businesses directly where the purchases were made and maybe they could do something, which is ridiculous. In the same letter they made it clear that if I do not pay the minimum by the due date ( XX/XX/XXXX ) they will report me to three different consumer reporting agencies. I have always paid my Citi Mastercard on time and always the full balance. I also have an excellent credit score. Please, any help or advice you can give is most needed, especially as the due date to pay is fast approaching.
Consumer complaint received 2017-01-12
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (NJ)

Walmart allowed someone to open a credit card in my name with my social security number, a different address than my own. I called to have them cancel the card and remove the inquiry from my credit report. 
It is now on my report as lost/or stolen making me look irresponsible ... 
I want the whole thing removed!!! 

It was opened fraudulently!!!!!!!!!!
Consumer complaint received 2021-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS (UT)

LexisNexis has inaccurate information on my report and they have claimed it is 100 % accurate information. They have sent my disputes back twice, and they also provided me with a way to review my report and the problem is still there. Also they claim to have contacted UTAH FEDERAL BANKRUPTCY COURT - XXXX XXXX when there is no such thing by that name. They are using the inaccurate information on my report to tell me they are accurate.
Consumer complaint received 2021-10-07
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. (WI)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-02-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (OK)

I have been XXXX  in the XXXX  XXXX  XXXX XXXX at the XXXX XXXX XXXX XXXX since XX/XX/XXXX. I recently obtained a current copy of my credit report to only find out that I've been a victim of Identity theft. I wrote a letter to Synchrony Bank regarding the Home store card open in my name without my knowledge or consent, along with a dispute with supporting documents showing my ( CRC ) consolidated record card along with my prison ID, social security number, a Identity theft sworn affidavits. Where the company said that my personal information match and denied the claim without an active investigation, its response was nothing more then a smoke screen dancing around the issue. Nothing in there response substantiated how I opened this account while being XXXX  for the past 14 years, they haven't sent any credit card to a XXXX. Any address on my credit report is a result of my Identity being stolen. This account has already been deemed fraud by XXXX XXXX XXXX, XXXX on XX/XX/XXXX when it was sold by synchrony bank. And I ask that this company remove this account from my credit report because I had not opened it nor authorized and one to do so.
Consumer complaint received 2018-02-10
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. (VA)

XXXX  XXXX XXXX XXXX keep putting information on Equifax, XXXX  and XXXX  stating I have accounts in collection. I have even gotten letters and called them and they confirmed I have no debt with them. Now they have reported to all three credit bureaus I have collection accounts and I have not communicated with them since the last letter received months ago. 

This is causing my credit score to drop and shows damaging information on collections I do not have.
Consumer complaint received 2021-02-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Hunt & Henriques (CA)

On or about XX/XX/XXXX I received a debt collection letter from Hunt & Henriques regarding an alleged debt on XXXX credit card account # XXXX. I promptly disputed and requested validation pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692-1692p., as there was no valid debt associated with that account. Hunt and Henriques failed to properly respond to my validation request. On or about XX/XX/XXXX Hunt & Henriques filed a lawsuit on behalf of XXXX , XXXX . case # XXXX. I did not know the correct procedure to Answer the complaint, and a default judgment was entered against me on or about XX/XX/XXXX for approximately {$30000.00}. In XXXX of XXXX I had to short sale my house, and it was discovered that Hunt & Henriques had put a lien on my house. My realtor negotiated a payoff of {$2000.00} which was sent to XXXX via Hunt & Henriques out of escrow to complete the short sale and remove the lien. On or about XXXX of XXXX, XXXX XXXX XXXX . returned the {$2000.00} check as a refund on the account proving there was no debt attached to this account. This also proves that Hunt & Henriques was fraudulently trying to collect on an alleged debt which again was never properly validated. At this point Im not sure how many violations of the FDCPA are involved. The have damaged my name and my credit, not to mention the stress, coercion, intimidation fraud and extortion actions. Shortly thereafter I found an administrative remedy to create a solution. This process started on or about XX/XX/XXXX and ended on or about XX/XX/XXXX. Both Hunt & Henriques and XXXX , XXXX . have failed to respond to my affidavits. My administrative remedy created an administrative judgment against them for damages. In XXXX Hunt & Hunriques stole {$120.00} from my bank account. I also recently discovered that on or about XX/XX/XXXX Hunt & Henriques filed a motion to renew the fraudulent judgment Case # XXXX and they have a hearing scheduled for XX/XX/XXXX. 
Hunt & Henriques have never properly validated the alleged debt they were trying to collect and failed to prove their claim. 
XXXX , XXXX . returned and refunded money to me sent to them on this same account proving there is no debt associated with this account. 
Hunt & Henriques and XXXX , XXXX . both have failed to respond to my affidavits with an affidavit thereby proving my claim, and admitting damages to me in the process. 
I have attached the refunded check and un-rebutted affidavits as evidence in this complaint. Hunt & Henriques and XXXX , XXXX . XXXX failure to respond in affidavit form rebutting anything I have stated in affidavit form proves my claim and damages owed to me. Case # XXXX needs to be vacated and or satisfaction of judgment needs to be entered. Failure to comply with in 30 days will result in copies of this complaint being sent to any and all governing bodies, XXXX, XXXX, XXXX, XXXX XXXX of California, and XXXX XXXX California XXXX XXXX. 
Without Prejudice, XXXX XXXX
Consumer complaint received 2021-02-02
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)

XXXX XXXX  is reporting the account attached incorrectly. The open date on Equifax and XXXX is XX/XX/2015 and on XXXX  its XX/XX/2015. The past due amount on XXXX  and XXXX  is XXXX and on Equifax its XXXX. On XXXX  and XXXX  it shows 120 days past due and on Equifax it shows 90 days past due. If all of this information is produced from the same place and sent to all three bureaus why is it incorrect? I would like this account deleted from all three bureaus since nothing matches up.
Consumer complaint received 2019-11-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (LA)

My wife loss her job a year ago XXXX of 2018 and it caused a hardship. During this time I reached out to Wells Fargo to request a loan modification I was told that I couldnt apply until XXXX of this year due to the previous loan modification I had a few years ago. So XXXX finally came and I went ahead and applied. The Representative that was assigned to me spoke with me once before the application was submitted then I never heard from him again. I got the notice in the mail stating that the loan modification was denied due to the fact that I was in bankruptcy and they couldnt raise the payment. I have been trying to understand their decision because I could have taken the home out of bankruptcy or they could have lowered the interest rate. I sent in appeal but I was told the appeal was denied and they couldnt give me a reason why it was denied. I have been trying to reach the Representative assigned to my case but He hasnt returned any of my calls. I have also tried to reach his manager and still no response! I feel that Wells Fargo see an opportunity to take the house so therefore, they are ignoring me.
Consumer complaint received 2021-02-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (TX)

On XXXX, 2021 I called Wells Fargo to apply for a refinance of my mortgage loan based on information that I found on my account page on the Wells Fargo 's webpage, it showed that I had a fico credit score of XXXX and I was told by a Wells Fargo representative that a fico credit score of XXXX was sufficient for refinancing my mortgage. On XXXX a letter of denial was mailed to me stating that my application was declined due a fico credit of XXXX.Why does Wells Fargo put misleading information on their account website that leads people to feel that they have a opportunity to refinance their mortgage for a much lower interest rate?
Consumer complaint received 2021-02-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ECMC GROUP, INC. (MS)

XX/XX/XXXX/ECMC is reporting false and inaccurate things on my credit report. They sent me a promissory note stating that I signed on it. I have attached the promissory note there is no eligible signature on there. There are just letters. This is not my account. Looking through the promissory note you can clearly see that there are other false and inaccurate information which is a violation according to 15 USC 1681. I attached the response that they sent me on the CFPB. I highlighted all my responses throughout this response. ECMC response violated many different laws. This is not my account this is inaccurate information on my credit report. Any inaccuraries on my report should be removed off of my consumer report. Any inaccurate or unverifiable information should be deleted off my credit report immediately according to 15 USC 1681 5 ( a ) ( 1 ) immediately! I have attached the promissory note, affidavit of Truth, ID and SSC, cease and desist letter.
Consumer complaint received 2022-10-05
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: ProCollect, Inc. (FL)

I contacted the collections procolect on my account. They said to get a police report and copy o My ID. I did that. I sent the the report number with my ID The colelction account is in Texas. I never have lived there. I have lived in XXXX and XXXX  only. I told them this. The charge is {$340.00} but it is not mine! I have very good credit paying my bills. This is llowering my credit score and needs to be removed. 


XXXX and XXXX I emailed my police report from XXXX XXXX Sheriff n Fl and my ID to dispute a fraud charge on my credit as collections. I have a police report number- XXXX for fraud on XXXXXXXX XXXX in Texas. I have never lived in Texas. I lived in XXXX for 42 years and XXXX  5. Please let me know you got this.
Consumer complaint received 2021-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

I keep sending letters in regard to a bankruptcy that they claim has been verified by XXXX XXXX but the information they are reporting does not match the XXXX XXXX Report, XX/XX/XXXX,XX/XX/XXXXor Equifax report. I also looked on Pacer and none of the information matches. 

I don't understand how all this information is being verified but none of the information is being reported the same from any of the Credit Reporting agencies and I keep getting ignored by XX/XX/XXXXXX/XX/XXXX and Equifax and XXXX XXXX about this. 

Name My name has only been XXXX XXXX XXXX. XX/XX/XXXXhas a reported name of XXXX XXXX XXXX which is completely inaccurate and needs to be removed. 

Bankruptcy XX/XX/XXXX, XXXX, Equifax, XX/XX/XXXXand XXXX all have different Docket # 's All credit reporting agencies are reporting different Court names and addresses which do not match Equifax confirmation # XXXX dated XX/XX/20 investigation was incomplete and did not list any information for the Bankruptcy being reported. 

File for Equifax shows court name Federal - but no information was provided in the investigation results. Report was blank that was provided by Equifax in there investigation results provided on XX/XX/20. 

XX/XX/XXXX File # XXXX dated XX/XX/20 Bankruptcy Court XX/XX/XXXX US Bankruptcy Court with address XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX, XXXX, FL XXXXXX/XX/XXXX Report # XXXX Dated XX/XX/20 US BKPT CT FL XXXX with address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Reference # 's are different on all files XX/XX/XXXX XXXXXX/XX/XXXX XXXX Equifax XXXX and XXXX shows XXXX How can every reporting agency have different information. How can I not get an answer to any of the letters being sent to XX/XX/XXXX. Why was my report incomplete from Equifax. Why isn't XXXX XXXX telling me how they are getting this information if they clearly have not verified this information with anyone since I had to reach out to the court and have told me that they do not verify this information. So how can any of this information be accurate?
Consumer complaint received 2021-02-02
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)

There are several inquiries on my report that I did not authorize on my report : XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX used my credit report without authorization, and thus put these unauthorized inquiries on my credit report, damaging my credit scores. 

EQUIFAX - continues to display derogatory information on my report with the following debt collection agencies, however have not produced any verification of the debt. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX - continues to display derogatory information on my report with the following debt collection agencies, however have not produced any verification of the debt. 

XXXX XXXXXXXX XXXX
Consumer complaint received 2023-03-06
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: Self Financial Inc. (PA)

In accordance with the fair credit Reporting act, this creditor has violated my rights. 15USC1681 Section 602 States I have the right to privacy. 15USC1681 Section 604A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B states A creditor may not treat a payment on a credit account under an open end consumer credit card plan as late for any purpose.
Consumer complaint received 2021-05-21
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 am victims of identity theft i made numerous attempts to rectify these fraudulent accounts that was opened in my name I sent police reports, FTC report still nothing please publish this and show people that if you are a victim of identity theft. Thanks
Consumer complaint received 2021-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

There is a public record on my credit report. I don't have anything negative against me whatsoever so I am unsure why something like this is being reported on my credit. I contacted the agency that is reporting and they indicated that they don't report any information to the credit bureaus. Please remove this erroneous information from my credit report as it's hindering me from purchasing another home. Thank you.
Consumer complaint received 2021-02-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (TX)

I have a question about the MLA. I couldnt get gap insurance apparently. So now I have to pay out of pocket for whats left on my Car note. Im not understanding this at all. Who do I need to talk to about this situation
Consumer complaint received 2020-01-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (OR)

I was prequalified for a jumbo mortgage through Better. Since my application, I consistently receive regular false communications in violation of TIL laws about a supposed guarantee regarding the rate. Whenever I try to reach out, I get excuses about the matter, but have stopped receiving the false statements about the guarantee via e-mail
Consumer complaint received 2021-06-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Real Time Group, Inc. (FL)

Real Time Resolutions ( RTR ) has been sending me notices regarding an alleged debt ( see attached ). I have sent numerous requests to them to prove up the validity of the debt and produce accounting records via qualified written request ( see attached ). Most recently, I have requested that RTR send a payoff demand and produce the rights to release the alleged lien. Their failure to respond to all of my requests has interfered with the ability to sell my home. Most recently a buyer backed out because RTR would not produce documentation that the title company requested. RTR is in violation of numerous FDCPA, HUD and RESPA laws. I am seeking your assistance on this matter before I proceed with litigation.
Consumer complaint received 2021-02-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BTH Management (AL)

I noticed on my credit report that Plaza servic just place a collection from XXXX XXXX XXXX on my credit report. They are not the original creditor. I never received a collection letter for me to dispute this prior for them placing this on my credit file. I mean for them to do this during this pandemic that the hardships is causing everybody is cruel and inhumane. They will try to claim they did send me a letter so it can stay on my credit file or say they can't find me.