davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-12
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: Experian Information Solutions Inc. (NV)

I have been requesting all three credit bureaus for well over a year to remove my bankruptcies as well as my student loans from being shown as public property and is ruining my credit because they are derogatories. I can't count how many times I've requested my address to be based only foXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX  as my only address but they refuse to remove multiple addresses located all over XXXX XXXX XXXX  as well as an old XXXX XXXX in  XXXX XXXX, I have requested numerous times to remove XXXX XXXX XXXX who is on bkXXXX discharged as ofXX/XX/XXXX but they keep popping up on my credit report even as of this date XX/XX/XXXX ; not only XXXX XXXX XXXX  but also XXXX who is on bkXXXX, XXXX XXXX XXXX who is on student loan deferment program because I am XXXX, XXXX XXXX  who been paidXX/XX/XXXX because I used them for one month pre paid service to stay in an emergency circumstance as a weekly apartment along with all their multiple collection agencies that appear as some type of holdings or securities payment through my disadvantages with them that are fraudulent $ XX/XX/XXXX,. XX/XX/XXXXabsolutely refuse to be off my credit bureau and I found out they said I have some type of loan with them for a car/house or both that is false. XXXX XXXX is a fraud account I have never applied for as well I keep requesting to be moved but yet in still they are present on XXXX XXXX. I would like my bankruptcy case # XXXX  filed XX/XX/XXXX discharged XX/XX/XXXX to be removed from public access on my credit report as well as my student loans to be removed from public access on my credit report for the amount of {$54000.00}. I have sent multiple request to remove as well as received documentation from the Bankruptcy Court District of XXXX XXXX XXXX. stating that they do not authorize or give consent to reporting my bankruptcy on my credit report.
Consumer complaint received 2019-10-24
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: EQUIFAX, INC. (OH)

I recently conducted a review of my Equifax credit report, and I noticed that their agency showed Nine ( 9 ) credit inquiries that I find to be problematic which may be due to a breach of their system. 

The first inquiry in question was apparently made by XXXX - XXXX XXXX XX/XX/XXXX. XXXX XXXX from XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. 
Along with ACCOUNT XXXX XXXX ( NOT MY ACCOUNT ) I have no recollection of doing any business with the listed. 

I contacted Equifax and asked them to take action to get this inquiry and Account removed from their records and to erase any record of the inquiry. They told me they CAN NOT. 
Which has prompted me to Complaint here and prepare to file a lawsuit? 

Please investigate/Remove these inquiries and Accounts at your earliest possible convenience or I will go forward with my lawsuit. 

Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 

Thanks for your prompt attention to this matter,
Consumer complaint received 2018-03-16
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: Experian Information Solutions Inc. (AZ)

I am a victim of identity theft. The following XXXX XXXX XXXX  XXXX credit card account : XXXX thats listed on my XXXX, Experian and XXXX XXXX credit report, is a fraudulent and unauthorized account. The account is not mine. I never applied for a credit card account with XXXX XXXX XXXX.
Consumer complaint received 2019-10-24
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC. (AZ)

My student loan is in default. My monthly social security check payment has been garnished ( 15 % of net income ), and income tax refunds for the last several years as well. Prior to being eligible for Social Security, my wages were garnished through my employer. For some unknown reason, XXXX. XXXX and XXXX ( collection agency for Navient ) began calling me at work through the school office ( I'm a part-time teacher ), and to date they have also phoned 3 co-workers at my school via their cell phones. 

I have written and mailed a letter to both XXXX. XXXX and XXXX, and Navient asking them cease and desist from calling my place of employment and co-workers, yet they continue to harass me. 

They have my current address and phone number, yet have not attempted to phone me or send me written correspondence. I have tried to reach them via telephone, yet when I call the telephone just rings and rings, and finally disconnects.
Consumer complaint received 2019-10-24
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: EQUIFAX, INC. (FL)

XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 Reported : XXXX XXXX, XXXX XXXX XXXX Reported : XXXX XXXX, XXXX XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2021-10-07
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. (TX)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-10-24
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: EQUIFAX, INC. (NH)

The main 3 Credit Bureaus are attempting to ignore Federal Laws and statutes. I have contacted all 3 Bureaus in an attempt for them to investigate and remove these fraudulent inquiries from my credit report. They are currently in violation of 15 U.S.C 1681c-2, 15 U.S.C 1681s-2 & 15 U.S.C 1681m. 605B of the FCRA states ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
All of which has been given to the 3 main credit bureaus. They are in direct violation of Federal Law and open themselves up to a Lawsuit!
Consumer complaint received 2019-10-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDICO. INC (OH)

First and foremost, the gentlemen that I spoke to was kind, courteous and professional. My compliant lies with what may be a poorly created policy or maybe the agents were trained to deliver the policy. When I spoke to the agent, I asked what could be done on mine and my husbands accounts regarding payment. I was provided a three month payment plan for both accounts. I stated I was unable to make those payments, but could pay {$100.00} a month on both accounts and pay off in five months or less. I was advised that the system is only set up for three, six, nine, or twelve month payments so that the balance would pay off in full accurately. I was then asked to complete an application to see if I was eligible for one of these payment options. I agreed. When it was time for payment, I was asked if I had my checking account information, I did not, I had my debt card. I was then told since I was paying with my debit/credit card, I could pay however much I wanted today, but would not be able to set up automatic payments. That automatic payments are only possible with checking accounts. I was able to pay {$100.00} on my husbands account, but due to system processing, I was unable to make a {$100.00} payment on my account at that time. 
This was deceptive. I was lead to believe that I HAD to complete an application to see what other payment arrangements were available. I was lead to believe that these would be the only options. The truth was, I was able to pay {$100.00} a month, but I would have to call in each time to make the payment because the systems are not set up to process debit/credit cards. I provided information that was not necessary to process payment/s that I had already stated I could make.
Consumer complaint received 2019-10-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

When submitting payments by mail to the Mr. Cooper, formally known as Nationstar Loan Servicer, I date all of the mortgage payments on the day that they are due ( First of the month ). These posted-dated checks are being cashed before the date. In order to comply with the loan servicers ' rules on late payments, all of my checks are sent at least a week prior to the due date to allow a reasonable time for shipping. On XX/XX/XXXX, I reached out to Mr. Cooper asking that they not cash my checks before the indicated date, however they would not accommodate my request. I am fearful that if I turn in my payments on the first of each month I will inquire late penalties that I feel would be unreasonably assessed. How can they be allowed to cash checks well before the indicated date?
Consumer complaint received 2021-03-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ATG Credit, LLC (IL)

On XX/XX/2020, [ ATG CREDIT LLC add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold to a third party collection agency Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA and HIPPA MERCHANTS CREDIT GUIDE has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2019-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NV)

Synchrony Bank Paypal Mastercard. Their site does not disclose the posting guidelines for payment cut off times to be considered on time. When I made a payment recently, it was a Sunday, XX/XX/XXXX to be exact. I looked on the site to see what the posting deadline was. I was in a trade show all day, and completely overlooked it was the XX/XX/XXXX. I saw no posting policy, nonetheless I made the payment. When payment was made I got a reply that said, " You paid before the due date. If a late fee appears, it will be automatically removed '' The late fee was indeed on my account already on the XX/XX/XXXX.

I checked the account on the XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX. Fee was still there.

I entered a chat with a representative on the XX/XX/XXXX and assured that it would be gone by the end of the night. 

Today, XX/XX/XXXX, the fee remains. I entered a chat again with XXXX XXXX, an escalation account manager. While he did waive the fee, and confirm it was done, I am filing this complaint with the CFPB as XXXX told me there is NO POSTING ON THEIR SITE OF POSTING TIMES! 

How can a consumer RELY on a DEADLINE, if the bank takes the position, " I am not sure if I can share that information with you '' - this is what he said to me in chat. 

I do believe bank laws and Fair Credit practices are in place to protect consumers from banks " making rules as they go '' - which in this case, and no published policy on their website, they can absolutely do, ultimately harming the consumer.
Consumer complaint received 2019-10-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (NC)

To start with, in 2012, I opened a checking account with Wells Fargo and when my debit card came in the mail a credit card came as well. However, I do not recall authorizing Wells Fargo to issue me a credit card nor do I recall signing for one. Thus, although I admit to using the card, because I did not sign for the card, then I should not be legally held to the contract. Not to mention, a class action lawsuit was filed against Wells Fargo for opening unauthorized accounts. Lastly, the credit limit for the credit card was {$600.00}. Yet, Wells Fargo has charged the card off for {$990.00}. Given these points, I am asking for Wells Fargo to provide me with ( 1 ) proof of contract bearing my signature and ( 2 ) full accounting for the amount claimed to be owed using generally accepted accounting principals.
Consumer complaint received 2019-10-24
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)

Over the last 3 months I submitted and sent in numerous dispute investigations to Equifax, XXXX, and XXXX about the inaccurate and false accounts that I allegedly owe. All agency tell me that they contacted the collector and it is verified. I asked numeroud of times to send me actual documented ( Signed ) proof of these alleged accounts and they never do. Per the FCRA if the disputed accounts are not properly investigated with documented proof of my signature and data the it MUST BE DELETED!! ALL AGENCIES FAILED TO COMPLY. 
Below are the accounts i filed for disputed and that were inaccurately investigated : XXXX : XXXX XXXX XXXX {$550.00} XXXX XXXX {$220.00} Equifax : XXXX XXXX {$1800.00} XXXX XXXX {$550.00} XXXX : XXXX XXXX   {$1800.00} XXXX XXXX XXXX {$550.00} XXXX XXXX {$220.00} The above accounts were NOT VERIFIED CORRECTLY. Per the FCRA they can not verify consumers accounts by the collectors saying its accurate, VALID PROOF should have been investigated then they would have realized these accounts ARE NOT MINE. My next step is to file legal actions against the 3 agencies, i am a litigious consumer and i have all rights to fight for this.
Consumer complaint received 2021-03-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: SandP Solutions, Inc. (FL)

I connected with someone on XXXX who had a profile as an instructor at the XXXX XXXX XXXX University in XXXX, Florida and who later went on to say that he was being sent overseas again by the CIA on an undercover assignment for our country. He also said he had made me his sole contact and that his " handler '' would text me information to send to him once he was in XXXX so that he could access the ASA/FMC account and send money through to my credit cards so I could take out cash advances and send them to him via bitcoins for him to conduct the project he was sent on assignment to do. Money started showing up in some of my credit card accounts and I was eventually sent a " promissory agreement '' on what appeared to be real CIA letterhead so I went forward sending bitcoins to him thinking I was helping not only him but our country. Eventually it became clear that it was a scam after all of the money sent through to my credit card accounts was sucked back out after I sent him the funds and did a couple of other things he asked me to do with the money sent through. So I let Bitcoin of America, the bitcoin company that I had purchased all of the bitcoins from and had them sent into the wallets he sent me, by filing a request for assistance from them online so I could get either the money or actual bitcoins back in my possession. They have never responded and that is what this complaint is about. Because I have had no help from them or the credit card companies ( which I will file separate complaints about ) I am stuck with approximately {$100000.00} in debt. 

Here are the dates and amounts of the funds sent through to him via Bitcoin of America : XX/XX/2020 -- {$17000.00} ; XX/XX/2020 -- {$4000.00} ; XX/XX/2020 -- {$7500.00} ; XX/XX/2020 -- {$4500.00} ; XX/XX/2020 -- {$7000.00} ; XX/XX/2020 -- {$5000.00} ; XX/XX/2020 -- {$5000.00} ; XX/XX/2020 -- {$5900.00} ; XX/XX/2020 -- {$6000.00} ; XX/XX/2020 -- {$6000.00} ; XX/XX/2020 -- {$3000.00} ; XX/XX/2020 -- {$1600.00} ; XX/XX/2020 -- {$1600.00} ... total = {$58000.00}. I am missing the receipt for another smaller amount I sent through on XX/XX/2020. 

The remainder of the debt I incurred involved him having me send a cash transfer to a bank account of someone in Texas that he said was a bitcoin escrow account, buying 5 XXXX and sending them to a shipping company in Illinois that he said would sell them and send him 75 % of the proceeds as bitcoins and 5 or 6 gift cards, 3 of which he had me send the information through to someone who was supposed to be his software developer updating his cell phone software and 2 of which he had me send through to him while he was allegedly on his way home.
Consumer complaint received 2019-10-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (MD)

For the past several months, I have been disputing this inaccuracies that are Listed in my credit report I have written three letters to the credit bureaus ( XXXX and XXXX ) in which I requested these inaccuracies be removed. Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies is as : XXXX, XXXX # XXXX. 
I also contact XXXX for the balance I had pay them before which was {$460.00} different than the one they reporting???
Consumer complaint received 2019-10-24
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: SYNCHRONY FINANCIAL (MA)

This is inaccurate because the date of last payment and date of last active is not reported the same with the reporting bureaus. Also the payment histories area different.
Consumer complaint received 2019-10-24
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. (WA)

Equifax ; XXXX and XXXX are reporting incorrectly lates from XXXX, XXXX to XXXX, XXXX on the XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account was approved for a loan modification and during this period of getting the loan modification approved, this account should not have been reporting any late payments. This account has since been sold and should not be reporting on my credit report. This inaccurate reporting of lates on an account that has since been sold is seriously harming my credit score and this line item needs to be removed from my credit report. I have attached a copy of the loan modification documents for your reference. I have contacted the ( 3 ) bureaus to remove this item however, I have not been successful.
Consumer complaint received 2020-05-07
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Navient Solutions, LLC. (CA)

XX/XX/20 Contacted Navient by phone because of mandate to forgive interest payments due to COVID-19. Navient refuses stating I DO NOT QUALIFY I have not missed a payment or been late in 7 years. Navient states government mandate to forgive interest payment does not apply t me without any explanation. I am still working part time and am experiencing financial hardship because of COVID-19 pandemic
Consumer complaint received 2019-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BB&T CORPORATION (TX)

I purchased a used car in XX/XX/XXXX using Regional Acceptance Corp as the financing company for the vehicle. The vehicle was repossessed in XXXX or XXXX of XXXX. That information was reported correctly on my credit report. However in XX/XX/XXXX, Regional Acceptance Corp has indicated on my credit report that the vehicle in question was repossessed in XXXX of this year ( XXXX ). The account was actually charged off in XX/XX/XXXX, but according to the 10-99 tax form I received this year it was charged off on XX/XX/XXXX. 

I filed a complaint through XXXX  and XXXX about the inaccurate repossession date information. I have not received a response from XXXX, but I did receive a response from XXXX. Regional Acceptance Corp has now reported the repossession date as XX/XX/XXXX. It appears on my credit report that I have had this vehicle since XXXX with delinquent payments every month until the repossession on XX/XX/XXXX. This is not accurate.