davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX twice XXXX XXXX XXXX XXXX attorney general XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX same with the inquires all the accounts are not mine
Consumer complaint received 2022-07-08
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/2018 Reference # : XXXX ACCOUNT NAME : XXXX  Account # : XXXX ACCOUNT NAME : XXXX  Account # : XXXX ACCOUNT NAME : XXXX XXXXXXXX Account # : XXXX ACCOUNT NAME : XXXX XXXX Account # : XXXX ACCOUNT NAME XXXX XXXX Account # : XXXX ACCOUNT NAME : XXXX  Account # : 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 2022-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank (PA)

Spoke with representative at credit card company Synovus Bank XXXX XX/XX/2022. The company refuses to help me fix a reporting error, which originated from their reporting. 
Synovus Bank is intentionally reporting inaccurate information - activity on a closed account, which is further damaging my credit profile. 

Explained to representative that my credit report is showing a closed account ( card was lost ) with one late payment and, the replacement card/account with one late payment. 

Rep stated only card ending in XXXX is updating. I kept explaining to representative while reviewing reports that the old card which was lost is still reflecting on credit files, with an update on XX/XX/2022! He did not believe me. 

Explained to representative that I am being assessed two late payments, and therefore, the account which is closed is being reported inaccurately ; it should be removed. 

The replacement card carried over a late payment, and the old card is still reporting as if I have two cards with two late payments. 

Placed me on hold several times. Unable to help and argued that there are no updates. 

XXXX and XXXX are reporting these inaccuracies and will not investigate.
Consumer complaint received 2020-06-17
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. (CO)

Equifax ; XXXX and XXXX should not be reporting a collection/chargeoff in the amount of {$850.00} on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) My out-of-pocket expenses, as well as my deductible was met. Any remaining expenses should have been covered by my insurance and because these expenses were covered there is no outstanding balance due and nothing to collect/chargeoff. ( I have attached a copy of ( 1 ) spreadsheet outlining all outgoing expenses ; ( 2 ) insurance card ; and ( 3 ) letter for XXXX  XXXX XXXX XXXX. ) This false reporting of a collection/chargeoff is seriously harming my credit score and these line items need to be removed and/or updated to report accurate information. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I have been unable to even contact Equifax to get an issue resolved that has been making me unable to have my XXXX XXXX student loan processed, on XX/XX/2022. 

Equifax seems to be unable to recognize that I exist as a human being - every time I request a report - or even try to contact them - they generate a code ( XXXX  ) and kick me out of the automated system. The automated phone system doesn't recognize me and tells me to try the website. The website doesn't recognize me and tells me to call. 

I am unable to get approval for credit because of them - my student loans, with classes beginning in XXXX weeks. 

XXXX and XXXX both work fine for me- they generate my credit reports and I have had no issue with them. It has been beyond frustrating that Equifax is potentially jeopardizing my academics because they don't have credit on me or believe that I am a person- when the other XXXX are doing their job just fine with no issue. 

I have even mailed them my documents in previous years to get this issue fixed, and still nothing.
Consumer complaint received 2022-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

In accordance with the fair credit reporting act XXXX  accounts : XXXX XXXX act # XXXX, XXXX XXXX act # XXXX, XXXX XXXX XXXX act # XXXX, XXXX XXXX XXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C. 1681 section 604A section 2. It also states a consumer reporting agency can not furnish an account t without my written instructions.
Consumer complaint received 2022-07-08
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)

In reviewing my consumer credit report with Equifax. It was discovered that an alleged bankruptcy is reporting contestable in accordance with FCRA Metro 2 Format XXXXXXXX This record is being reporting without known " Status '' which violates FCRA regulations. Per XXXX XXXX XXXX   " Any deviation from these standards jeopardizes the integrity of the data ''. I am demanding the removal of this record for this reason. This complaint is not a request for " Verification ''. I have attempted to dispute this unverifiable record several times and Equifax has refused to comply.
Consumer complaint received 2022-06-23
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (MD)

On Thursday XX/XX/XXXX I called to request a payoff amount letter because I was closing and selling my house on XX/XX/XXXX. I was told it would be sent that same day to the title company. I called back on Tuesday XX/XX/XXXX because the Title company stated they had not received the letter. That day the title company stated they did not have my request from the XXXX on file and that it takes XXXX business days. I was told XX/XX/XXXX was my request day and that it will take up to XXXX business days for the payoff loan department to send the fax to the title company. I called again Friday XX/XX/XXXX to see if the fax had been sent or if we still needed to wait. I was told my request was still being processed and to call the following week. On Monday XX/XX/XXXX I called the mortgage company again and I was told the fax was sent on Friday XX/XX/XXXX. The title company stated they had still NOT received a fax. The representative then stated that he would have another copy sent that day but that also did not go through. I called back again to the mortgage company on Tuesday XX/XX/XXXX, I then was told that there were no request in their system. I got very upset and told them that was incorrect I had called both the XXXX and XXXX for request and I was told on Monday that the fax was sent Friday the XXXX and that they needed to look further. The representative then stated oh I see the request now and that the fax had not been processed or sent and they would escalate as it was the 6th day since the request. She then proceed to give me the information of a manager named XXXX XXXX. I tried calling her but she did not answer and I was taken to their representative. I spoke to one again to XXXX and he stated they did not see my request until I told them to look further and then he was able to see them. He stated he would escalate to their supervisor. I then called back on Wednesday XXXX of XXXX and was told that I would have the letter by today Thursday XX/XX/XXXX. Today is the XXXX and I just spoke to XXXX and he stated that he saw the payoff would be for XX/XX/XXXX which is incorrect as we requested it on the XXXX. He also said he would speak to the supervisor above XXXX XXXX her name is XXXX XXXX to escalate. XXXX then stated that XXXX needed to speak to a Mr Cooper to release payoff. This has now been going on for XXXX weeks and I get different answers every day and I need the mortgage to be paid off as of the XXXX. It seems like the company is trying to extend this further and further to collect more interest and that is not right as we are trying to pay them off as of the XXXX. While all of this has been going on the Title company has also called them and have not been able to speak to any managers or get a straight answer either.
Consumer complaint received 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I was made aware of some accounts that were opened in my name without my permission. I found out about these accounts today XX/XX/20 because I got my credit ran since I am trying to buy a house. The real estate agent I'm working with told me I would not qualify for the home loan because of all of these accounts reflecting badly on my credit. I looked through each account and none of them are mine. I did not open any of these accounts and I have never allowed anyone to open any account in my name using my personal information. I have no idea who could have opened these accounts without my permission but I have already filed a police report. I do not have any written/verbal contract with any of these companies nor did I benefit anything from them such as money, goods, services or any other benefit nor did I ever make any payments towards these accounts. I also filed a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.
Consumer complaint received 2022-06-28
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: EQUIFAX, INC. (TX)

609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : I disputed inaccurate information I found within my credit report to all three major credit bureaus ( i.e. XXXX, Equifax, XXXX ). Neither bureau presented any evidence supporting the accuracy of their investigation into the issue I raised. Below are the companies believed to be in violation of the FCRA : 1. XXXX XXXX XXXX XXXX opened XX/XX/XXXX 2. XXXXXXXX XXXX  opened XX/XX/XXXX 3. XXXX XXXX XXXX opened XX/XX/XXXX 4. XXXXXXXX XXXX opened XX/XX/XXXX
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: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting Act XXXX XXXX. CHILD SUPPORT XXXX XXXX Account # XXXX. Has violated my rights. 

XXXXXXXX XXXX XXXX XXXX XXXX  Account # XXXX. Has violated my rights. 

XXXX. XXXX XXXX XXXX Account # XXXX. Has violated my rights. 

XXXX. XXXX XXXX XXXX Account # XXXX. Has violated my rights. 

XXXX XXXXXXXX XXXX  Account # XXXX. Has violated my rights XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX. Has violated my rights. 

XXXXXXXX XXXX XXXX XXXX Account # XXXX. Has violated my rights. 

XXXX. XXXX XXXX XXXX XXXX XXXX Account # XXXX. Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-06-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SYNCHRONY FINANCIAL (AZ)

MULTIPLE OCCASIONS WHERE SYNCHRONY BANK CHARGES FEES IN EXCESS OF {$39.00} FOR A LATE FEE. I ALWAYS PAY MORE AND ON-TIME AND DURING THE COVID 19 PANDEMIC SYNCHRONY BANK CONTINUES TO NOT HAVE ANY COMPASSION FOR THEIR CUSTOMERS.
Consumer complaint received 2022-06-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (FL)

I am having issues with mt mortgage company doing their job. So, the last two payments I submitted were not applied to my mortgage. On XX/XX/XXXX, I called Flagstar Bank and spoke with XXXX to ask why my last payment wasn't applied after seeing my mortgage statement with payment recorded on statement as Unapplied. She didn't know why but she did make a request to apply the payment to my account. Today when reviewing my bank transactions, I noticed that Flagstar Bank had returned my last payment for the month of XX/XX/XXXX. I called them today at XXXX XXXX  est and spoke with XXXX. He was no help and stated that I did not pay my last mortgage payment. I explained to him that Flagstar returned my money. He was argumentative and said he could no longer speak to me after I said I was filing a federal complaint. This is two months in a row and now they just refused my last payment. What is going on at this Bank? 

I fully believe that Flagstar Bank is retaliating for me filing a federal complaint last year on XX/XX/XXXX. I am extremely upset and believe this is just another way for the bank to take my home away. I am a military veteran, currently injured, and deserve better treatment than this.
Consumer complaint received 2022-06-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (TX)

I have applied for the XXXX waiver ( XXXX ). I am being told I am 8 months away from forgiveness or until XX/XX/XXXX. 
I calculate I should have already qualified. 

My question is, Why are some of my payments being labeled as eligible for XXXX and some are not? According to their counter I am short XXXX  months of qualifying for forgiveness. Yet, I have XXXX months they are not counting. They are not counting 3 months for XXXX, XXXX of XXXX, and 8 months of XXXX a total of XXXX months. If and when they count these I will not only qualify but be over the required number of months. 

I have emailed, called, and resubmitted forms. Yesterday I was hung up on, called again and was told yet again they don't know why they are not being counted. That it is best to keep on waiting. I don't want to have to start making payments in XXXX only to have them returned if it is not necessary. 
I am asking for an answer and am reaching out for any help you can give me. 
Thank you, XXXX XXXX
Consumer complaint received 2020-07-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (FL)

We have been trying to apply for relief from our mortgage for the initial 180 days according to the CARES Act. The mortgage servicing company is Dovenmuehle Mortgage CompanyXXXX XXXX. They will not return calls or answer questions on their secure portal. They have ignored my requests all together. I attempted to get their attention by not paying my mortgage payment but their response was to have their collections department call me but could not provide me with any information on the CARES relief. Out of fear of not paying my mortgage I used a credit card to make the payments for 3 months but now have reached a point where I am not able to continue doing this. All I would like to do is apply for the CARES relief from my FHA loan so I can get my family back on our feet from this pandemic. My XXXX, which is our only source of income was closed down for the better part of 5 months because of the CDC guidelines and the fact that we have XXXX XXXX XXXX children to care for at home. It just seems like nobody is accountable for not following a federal Act of Congress? Please help us!! 
Thank you The attached document is what they responded with after 3 months sitting in their secure message center
Consumer complaint received 2020-06-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: World Acceptance Corporation (TX)

On XX/XX/2020, a dispute letter was sent to World finance certified to verified the validity of the debt that is being reported om all three of my credit reports, I do not have any business with this company. I filed a police report which was sent as well. On XX/XX/2020 my credit report was updated where my balance had increased, I did not receive any information that I had requested instead they reported a higher balance.
Consumer complaint received 2020-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (WI)

Equifax removed two fraudulent inquires from my credit report, but I was told by them that they would remove all 6 inquires that was fraudulent. I also spoke to the company where someone tried to get an account with them and they said they have no information of me on file but after equifax investigated they said that the results were verified as accurate which is false and the are breaking the law.
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: EQUIFAX, INC. (WI)

XXXX XXXX {$84.00} closed XXXX XXXX {$8700.00} closed XXXX XXXX {$740.00} closed XXXX XXXX {$280.00} closed XXXX XXXX {$500.00} closed in accordance with fair credit reporting act XXXX Account # XXXX, has voilated 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 consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-22
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: LEXISNEXIS (OH)

The reason for my dispute is that there are multiple discrepancies still showing even after filing my ID theft report. Remove the following immediately : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX, PHONE # XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX 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 The information listed above is not only inaccurate and incorrect but also obtained without my knowledge, consent, or permission. PLEASE ADD A SECURITY FREEZE AND SEND ME A PIN NUMBER.
Consumer complaint received 2022-06-23
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. (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 XXXX has me at a score around XXXX. 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 XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2020-06-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A. (TX)

I opened the XXXX XXXX With XXXX XXXX checking account on XX/XX/XXXX. There was a promotion for a {$300.00} sign up bonus if depositing a direct deposit totaling {$5000.00} in to the account within 60 days. I made a {$5000.00} direct deposit on XX/XX/XXXX. I am self-employed and initiated my paycheck payment through XXXX to PNC. My statement clearly shows this being Direct Deposit - XXXX Transfer. 90 days passed and no bonus was posted to the account. I initiated a case with PNC XXXX support who opened the case for me and a PNC Retail Support Case Manager reached out to me. We spoke and she said my deposit did not count as a direct deposit even though it specifically says that it is a direct deposit. 

Per PNC terms on the signup page : " A qualifying Direct Deposit is defined as a recurring Direct Deposit of a paycheck, pension, Social Security or other regular monthly income electronically deposited by an employer or an outside agency into the Spend account of a XXXX XXXX with XXXX XXXX, XXXX XXXX  with XXXX XXXX or XXXX XXXX. The total amount of all qualifying Direct Deposits credited to your checking account must be at least {$5000.00} for XXXX XXXX with XXXX XXXX. '' While this says " recurring '', there is a graphic on the sign up page that says " Establish total qualifying direct deposit ( s ) of {$5000.00} or more to the new account. '' Note the ( s ) meaning one direct deposit should suffice.