davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BANKERS HEALTHCARE GROUP LLC (AZ)

I had fraud on my accounts, so I ordered a replacement card. This company said they sent me 2 replacement cards in the mail. I never received either of them. I have called and they only want to charge me to ship the card to me a different way. I had to argue with the customer service representative for over 10 minutes on the phone before even getting him to put me on hold to even try to get to a manger the next time I called. Still unsuccessful of getting this company to send me a card a different way. I will no longer pay on my account until this is resolved. My other 2 bank cards had no issues sending their cards out the correct way. And we do not have a street mailbox where I live, we have post office boxes.
Consumer complaint received 2022-06-30
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. (GA)

In accordance with the Fair credit Reporting act XXXX XXXX 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 15 U.S.C 166b A creditor may not treat a payment on a credit card card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2020-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (TX)

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent accounts present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable accounts on my report. ( Copied from AFFIDAVIT** )
Consumer complaint received 2020-05-20
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. (AR)

I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.
Consumer complaint received 2020-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.
Consumer complaint received 2020-05-20
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. (AR)

I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.
Consumer complaint received 2020-05-20
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)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2022-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TN XXXX XXXX ( XXXX ) XXXX I have asked for information for the reporting company for any signed documents that this loan belongs to me and it could not be furnished. Despite the fact that someone else is paying for this loan in a timely manner, it does not belong to me. I have never needed a loan for school because my tuition was mostly paid by my federal financial aid.
Consumer complaint received 2022-08-19
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: U.S. BANCORP (WA)

I set up automatic payment with US Bank for my car loan. 
My online account to manage the online payment and visualize statements has had some technical issue since I have been a customer. 
Payments were not going through and I had no way to know as the portal was inaccessible. 
US bank charged me for a late fee and put a late payment on my credit. 
After talking with multiple US Bank representative, it was added in the notes that my account was not functioning properly, that I was not getting alerts for late payment and that the payment management portal was not working. 

The issue was resolved from a technical standpoint, my payment are not going through ( 5 payments all went at once ) and US Bank waived the late fees.

However US bank has not corrected my credit late payment, and I have now a credit score that is XXXX points lower than prior to the incident. 

I asked US Bank by mail to rectify the issue ( see attachment ), but they rejected my request.
Consumer complaint received 2020-05-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TN)

My wife and I have contacted our mortgage loan servicer ( collection agency ) Nationstar Mortgage d/b/a Mr. Cooper by phone on XX/XX/2020. We had spoken with them in XXXX making them aware that all payments to the Chapter XXXX Bankruptcy for me were complete on XX/XX/2020. We were told that as soon as the case was discharged they would get an update in their computer system and the mortgage would be released for full access on the Mr. Cooper website. Currently payments are paid through XXXX at a cost of XXXX per month. We have no way of seeing if our payments are being applied correctly. My wife and I made a final phone call on XX/XX/2020 requesting that they acknowledge my discharge from Chapter XXXX Bankruptcy that occurred on XX/XX/2020. We spoke with XXXX in the bankruptcy department. She said she did not see that the discharge information had come through so she was sending it to research. She said it would take 5-7 days to update the account. The 7 days has passed and the account remains frozen. 
We need government intervention to assist with the process.
Consumer complaint received 2022-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NC)

XXXX XXXX XXXX continues to break federal law. XXXX XXXX XXXX is reporting wrong data and different data to all three credit bureaus as you will see in the attached documents. 

With XXXX they are not reporting that this is a medical bill. 

With XXXX XXXX XXXX XXXX is not reporting that the account is In dispute They are misreporting the account type which should be medical billing. 

You will see how they are intentionally and maliciously reporting contradictory data across all three credit bureaus in fact not one report matches another whatsoever! 

With equifax they are reporting The status as unpaid when this should say closed With Equifax, XXXX XXXX XXXX is not reporting that the account is In Dispute With XXXX, XXXX XXXX XXXX are not listing this account as In Dispute With XXXX, XXXX XXXX XXXX is not lIsting this account as a medical bill Under account type You will see with XXXX the account type is being reported incorrectly as open account when they have closed it with another credit Bureau, and the account type should be medical bill which it is not. 

With transunion, you will see they have not even listed account status, XXXX XXXX XXXX just reports random data inconsistently and inaccurately across all three credit bureaus with no ryhme or reason, and this is illegal and it has gone on for too long! 

With Equifax, XXXX data is reporting in the account type here collection account completely different than the other two credit bureaus! This should be listed as a Medical Bill as the type!

And the account status in inconsistent with the other reports cause they just ignored that entry. All together! 


With XXXX, XXXX data is reporting in the account type here collection when they have reported it closed on other Bureau reports! 
This should be listed as a Medical Bill as the type!, And the account status in inconsistent with the other reports cause they just ignored that entry again this month All together!
Consumer complaint received 2022-08-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL (IN)

On or Before the Day I used my XXXX A.C.H.Checking Account and A.C.H.Savings Accounts, to AMAZON on XX/XX/2022. I used AMAZON Checking Account to make purchases and never received my Refund or My purchases.
Consumer complaint received 2021-11-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (AZ)

They past few month I have received a statement in the mail or online or or by phone communication for the debt. I recently moved and had all my mail forwarded. I also do not have consistent work right now due to some changes in income and a medical condition. The only way I found out I had fell behind was because they reported it on my credit report. I didnt get a call trying to collect the debt or any letters in the mail about the balance like a company normally does.
Consumer complaint received 2022-08-19
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 (TX)

I received notification from XXXX and XXXX that an alleged bankruptcy was verified through LexisNexis. I disputed with LexisNexis and was told the information was verified via PACER. I contacted PACER who stated they DO NOT verify or provide information to credit bureaus or credit reporting agencies. I submitted to LEXISNEXIS a letter from the bankruptcy court from XXXX and emails from PACER from XXXX and XXXX stating they do not verify these public records. 
I filed complaint XXXX which was closed stating LexisNexis wanted ID. I submitted my drivers license to Lexis Nexis on XX/XX/XXXX. Their reference number is XXXX. I would like complaint reviewed.
Consumer complaint received 2020-05-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I was victim of identity theft as a result of being homeless and did not have a physical address in 2012. Numerous accounts were open without my permission. The creditors calls and harass me daily for debt. I explained the set is not mines. They sent me some billing info with incorrect addresses and i explained are not mines. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and i am still fighting that. I hired a credit repair company to help me with these disputes, as i am new to this. They are not coorporating and states that they are willing to take a settlement. I don't know what else to do so i am finally coming to you guys for some guidance please. THERE ARE MULTIPLE ACCOUNTS PLACED WITH THIS COLLECTION COMPANY AND THEY ARE CORPORATING. Portfolio Recovery Associates claimed they investigated and verified the PRA accounts ending in XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. THIS company also states that sent its initial notification letters which is not true. We take compliance with all applicable state and federal laws very seriously. They reported incorrect addreses and name to the credit bureaus ( per credit bureaus ). They have engaged in harassing clients, failed to adequately cooperate, or engaged in misconduct regarding the relevant accounts placed with their company. I have sent them a copy of identity theft report by " FTC '' and no response.
Consumer complaint received 2022-04-14
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. (TX)

This is a formal complaint against XXXX XXXX XXXX located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2020-04-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (CA)

My initial loan with Navient was {$40000.00} and has ballooned to {$120000.00} for a loan I was coerced to take out by the University XXXX XXXX and unable to pay based on my family size, living expenses and income.The degree was not helpful and was pressure and falsely promised employment with amazing alumni to cover expense. Wasnt explained that it would triple in amount. 

I also filed a Formal grievance directly with University XXXX XXXX ethics office regarding the false advertising and pressure and misleading promises the enrollment counselor used to sale me on their XXXX XXXX degree.
Consumer complaint received 2022-08-20
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. (FL)

This is XXXX XXXX and I am submitting this CFPB complaint regarding the continued reporting of the fraudulent items on my Credit Report. It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts and items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agencies are required by law to remove any accounts and information which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records ( learned through more research both parties require ). Please remove these the Following items completely from my Credit File : XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}. If the Credit Bureaus feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2021-01-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NC)

I received my 2 stimulus payments and everyone that had it sent directly from irs is getting a temporary credit for them. I cant help that mine went to my tax preparer first but you can plainly see that it is a government payment. It says that right beside it. I also spoke to 2 supervisors that told me that they were filling out forms and that my money would be available in 2 business days. Im a single mother with XXXX children. I had told my landlord that it would be 2 days and I call back to check and the story has changed about having to be directly from irs. I really need this money. Please
Consumer complaint received 2020-05-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I have been affected by the XXXX pandemic. The bank is trying to take my house. I am in the process of short sale. The bank has been giving me the run around. Please help me. I have been affected by XXXX. I will like to enforce the force majeure clause in my contract. 
Please help me stop the bank from taking my house. 
I am a senior citizen too. My husband and I are retired. 
Please help! 

XXXX XXXX
Consumer complaint received 2022-05-04
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. (NY)

On XX/XX/XXXX, XX/XX/XXXX I sent letters to XXXX, Equifax XXXX XXXX XXXX ; Requesting VALIDATION of the following inquiries that never had a permissible purpose according to the FDCPA LAW - They have never responded and clearly have violated my consumer rights. 

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 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 & XX/XX/XXXX
Consumer complaint received 2022-05-05
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. (MI)

on. for 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 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX Account XXXX XXXX XXXX XX/XX/XXXX late payment was reported XXXX  Account # : XXXX XXXX XXXX late payment was reported XXXX XXXX Account # : XXXX XX/XX/XXXX late payment was reported XXXXXXXX XXXX Account # XXXX XXXX Date Opened : XX/XX/XXXX 15 U.S.C 1681c. ( a ) ( XXXX ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons.
Consumer complaint received 2020-05-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc. (FL)

In 2014 (? ) I opened a XXXX XXXX  XXXX for dental work. I was a recent widow and did not have dental insurance nor did I have a large bank account. Before I knew what was happening I was at the dentist every week and racking up a huge bill. When I realized I could not make a payment I called the company right away to let them know. I even wrote to them to work out a different payment plan until I found better employment. 
They would not work with me so they reported bad debt to the Credit Reporting agencies and sold my account to Credit Corp. At the same time they were still trying to collect from me. When I questioned that they told me since they sold it for less than what was owed they were permitted to do that. 
I worked out a payment plan that I could afford with Credit Corp and was making my monthly payments for over a year. In fact they would deduct it from my account. When I got laid off from my job due to the Coronavirus I called them to let them know that I would not be able to pay and that the checking account was also going to be closed. I would start making them again when I could. They told me I still needed to make them regardless. Now I am getting phone calls and mail regarding this. With all the payments I have made this is hardly impacted the dollar amount and it may have risen. 
Is there anyway to make these people cease harassing me until the pandemic is over? 
I have gone back to work but since it is commission based I am not earning a commission and don't see that happening the future. It's going to be a while before I can start paying again and I don't want them or XXXX XXXX to post negative remarks to my credit report again. 
Thank you for looking into this matter.