davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NJ)

I am a victim of identity theft, and Equifax has violated my rights under the Fair Credit Reporting Act ( FCRA ) by reinserting a XXXX XXXXXXXX account ( XXXX ) into my consumer report without proper notification, as required by FCRA section 611 ( a ) ( XXXX ) ( B ). This reinsertion occurred despite my prior disputes and without the mandated notification, within XXXX business days, directly impacting my credit score and financial standing. This account was reported without my authorization and falls under the FCRA 's exclusion provision for identity theft, also violating the permissible purpose clause. This exposes your agency to civil liability of {$1000.00} for willful non-compliance. I demand that Equifax immediately delete this account from my consumer report in accordance with federal law.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

Notified at XXXX of another computer generated lie from this disgusting scamming company, PLOYS AND LIES SHOULD BE THIS COMPANY 'S BUSINESS MODEL AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

Incorrect/inaccurate/ incomplete information on my report such as account status account type comments Date last reported payment history payments status date opened On multiple accounts, i have notified XXXX, XXXX XXXX EQUIFAX about this since XX/XX/year>. They claimed all information is accurate and verified i attached proof of inaccuracy on multiple sections and multiple accounts.
Consumer complaint received 2024-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

There was a claim filed on XX/XX/XXXX is the amount of {$2000.00} with Wells Fargo. I explained the situation to the that this was a duplicate transaction and needed to be reviewed immediately. I was unfortunately let down by Wells Fargo.
Consumer complaint received 2020-02-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (MO)

I contacted Citi bank Sears card on XX/XX/2020 to make 1 payment arounda {$90.00}. The agent set up the full past due balance. Today I as transfer to a manager named XXXX that said the process would take 20 business day. I explained and complained of the error and how it was not acceptable. XXXX cut me off stopped speaking all together then hung up the call with no resolution.
Consumer complaint received 2024-02-04
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NY)

I submitted a full payment of {$3600.00} on XX/XX/XXXX for my American Express Delta Skymiles XXXX card ( due date XX/XX/XXXX ). It went through and then I received an email on XX/XX/XXXX saying that my payment didn't go through via my bank. 

I contacted their customer service via chat on XX/XX/XXXX, and they said I entered the wrong bank info. The problem with that is I had an existing American Express XXXX XXXX XXXX XXXX ( XXXX ) on the same account with the same login info that I had canceled about a month prior. I had used this same saved bank info on my account to make payments to my Amex XXXX without having issues. Yet Amex claimed that I entered the wrong info. Their customer service person asked me to enter my bank info securely over their chat a few times and claimed that I entered it incorrectly even though it was copied and pasted exactly the same way every single time. Then on like the 3 or 4th time they claimed it went through since they had to re-enter it on their end. 

They then told me to wait 48 hrs for the statement balance to get re-updated and all the fees and charges will be waived. I re-submitted the full balance amount again as soon as I was able to within 48 hours on XX/XX/XXXX. Then I noticed an interest charge of {$89.00} on XX/XX/XXXX. Again, I submitted my last statement balance amount in full on their app for the next payment cycle ending on XX/XX/XXXX. Again, I notice a trailing interest charge of {$24.00} on XX/XX/XXXX. 

I contacted Amex multiple times via chat and phone on XX/XX/XXXX explaining this situation, and they outright refused to help me saying their system won't allow it. They keep on gaslighting me saying that it happened because I had entered the wrong bank info from the very beginning even though I had never changed my banking info and used it to make payments for the different Amex card in the past. 

Even when they're the ones who updated the bank info on XX/XX/XXXX, i.e. deleted the bank info and re-entered the same exact bank info, they're claiming that I entered the correct info on XX/XX/XXXX, since the payment now went through on XX/XX/XXXX. Since this was past the due date, I'm responsible for the charges. This seems like a fraudulent practice of charging interest despite making full statement balance on time. I shouldn't be responsible for paying interest due to their mistake. They're obfuscating the details of the prior conversation even through it's available above them in the chat messages on their app. Their agents and supervisors over the phone claim they can't see the chat messages. They're being completely unhelpful in this matter.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.
Consumer complaint received 2020-09-09
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)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below are not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

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
Consumer complaint received 2017-11-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NY)

I 'm having a hard time getting my employer to sign my application for the XXXX Loan Forgiveness. 

I worked full time in a XXXX XXXX XXXX XXXX XXXX XXXX I XXXX  them in a XXXX XXXX. My primary job was XXXX XXXX such as helping them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and skills on how to navigate their XXXX XXXX 


Please clarify : Do I need to have a XXXX XXXX licence to be eligible for the XXXX Loan Forgiveness? It does not say it in the requirements of the application. Am I disqualified from this particular program since I do not have a XXXX XXXX license even though I met all the requirements that are stated in the application process? Please clarify does having an XXXX XXXX  license disqualify you from this program? 

Thank you
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-09-19
Product: Credit reporting 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. (GA)

I am a victim of identity theft. With that in mind I have sent proper documentation and you all are refusing to remove the fraudulent inquires. So again I am a victim of identity theft and the following inquires were not performed by me and I am requesting you to delete them : XXXX XXXX  ( XX/XX/year> ) XXXX ( XX/XX/year> ) XXXX ( XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> ) The XXXX  account that was open has been closed due to identity theft so you all should receive correspondence where the account has since been closed. You all dont have the right to tell me that something was done by me due to the fraudster having all of my information. The inquires are a result of fraud and I am requesting them be deleted
Consumer complaint received 2024-11-30
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

XXXX XXXX XXXX is that there was an account open on XX/XX/XXXX of 2024. But I never made an account with them nor did I purchase any Phone items or devices now there is a collection on my credit stating that I have to pay a settlement but I am sending a letter for them to verify if they have the right person.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

Hey, my name is " XXXX XXXX XXXX '', I have noticed that I have had hard inquires on my consumer report that does not belong to me. It has impacted me deeply and has hurtled me. The consumer report agencies have validated the consumer laws that was passed by congress. 15 U.S Code 1681. Meaning that they never received my consent on a hardcopy. Giving them permission to furnish on my consumer report. 15 U.S Code 1681 C-2 " blockage of information ''. This consumer law gives me the authority to tell the information that I wish to be requested to be deleted on my consumer report. And it must happen within 4 business days. Due to me filing my FCT Report. This law states that if you file a police report through the FCT, it must be removed.
Consumer complaint received 2019-05-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

NUMEROUS VIOLATIONS OF REGULATION Z DOCUMENTED ADMITTED ... NEVER CORRECTED AS REQUIRED UNDER REGULATION Z XXXX XXXX, NATIONSTAR, XXXX XXXX, XXXX XXXX .... SEE ATTACHED FROM XXXX XXXX CIVIL CASE 2019 CA XXXX .... THE STATE OF FLORIDA TOOK IT SERIOUSLY ... LAST CHANCE FOR THESE DEFENDANTS TO COMPLY VOLUNTARILY ... SUMMARY JUDGEMENT HEARING ALREADY REQUESTED ... .THIS IS ONLY PART OF THE EVIDENCE WE COLLECTED ... THERSE DEFENDANTS WERE VERY BRAZEN IN THEIR DISREGARD OF THE TILA.. THEY THOUGHT DECEPTION MADE THEM IMMUNE ... IT WAS JUST THE OPPOSITE ... THE EXTENDED FRAUD EXTENDED THE STATUTE OF LIMITATIONS ... THE TRUTH WOULD HAVE SET THEM FREE ...
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Hello My student loans were discharged ( by XXXX ) due to XXXX in XX/XX/XXXX. I disputed the loans with all three credit bureaus on XX/XX/XXXX. I provided evidence that my loans were XXXX balance and had been discharged. 

As of today, XX/XX/XXXX, these loans remain on my credit report from XXXX. 

The loans have been removed from my credit reports with XXXX and Equifax. 

Please assist me to have these discharged, XXXX balance student loans removed from all my credit reports once and for all. 

Thank you.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Adjustment Company Incorporated (FL)

On XX/XX/XXXX I received an alert on m y XXXX credit app about a collections account in the amount of {$3900.00}. This was added to my credit by a company called Consumer adjustment. Prior to that, I have never received any correspondence from this company asking to verify/validate the debt that they assumed from another company. 

On XX/XX/XXXX I submitted a complaint to the CFPB via this website ( complaint XXXX ). 

On XX/XX/XXXX the company responded saying that they submitted my dispute to the original creditor for debt validation. 

Today is XX/XX/XXXX, and I have not received anything from this company, yet they are still reporting this as a collection on my credit, which has negatively impacted my account for almost 60 days.
Consumer complaint received 2024-02-03
Product: Credit reporting 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. (CA)

I have been in contact with Equifax for over a month now trying to get my credit report. I have sent in the information they have requested and they still have not updated any of my information in their system. I have several credit cards and I have reached out to all of them to ensure they are reporting to all 3 credit bureaus which they all have confirmed. Without my Equifax report my lender can not give me a rate for which I am prequalified for and this has severely slowed down my investment potential. Ive had several calls with Equifax and while the customer service representatives are helpful theres nothing they can do on their end to help me fix this issue.
Consumer complaint received 2024-02-05
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A. (NC)

My CD ending in XXXX matured on XX/XX/XXXX. On XX/XX/XXXX I looked at the account and saw it rolled into a .05 % CD not the 5.25 % I was expecting. Rates must have changed between XX/XX/XXXX and XX/XX/XXXX, I get that. 

When I contacted Citi bank several times they insisted i be charges a {$12.00} early withdrawal fee. As you can see in the attached renewal notice I had from the maturity date to XXXX calendar days after to change my mind which would be XX/XX/XXXX. The CD matured for {$100000.00} but CD only transferred {$100000.00} leaving a penalty of {$12.00}. 

I cant confirm that's what the {$12.00} was because Citi wont let me see transactions online for the CD since it closed and only shows the net transfer amount on the savings account. No notice was created when the CD closed and transferred. 

I spent XXXX hours on the phone with their XXXX  call center who did not even understand what I was saying let alone willing to help. Citi 's only other recourses are chat or mail, no email contact ability. Chat was useless as well. It referred me back to the call center.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (MI)

XXXX, XXXX, and LexisNexis are reporting an alleged bankruptcy without the permission from the trustee of the estate of XXXX XXXX. XXXX, XXXX, and LexisNexis are data furnishers that sell information to various companies. This is prohibited by the estate of XXXX XXXX. The name property and any other interest are copyrighted and trademarked. You do not have permission from the estate to report any such information or misuse the estate name in this manor!
Consumer complaint received 2024-02-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc. (ME)

In XX/XX/XXXX we entered into a forbearance agreement with Mr. Cooper Mortgage. I was informed that we would be in this forbearance until XX/XX/XXXX & that no payments would be due until XXXX XXXX XXXX XXXX. However, we could login or call anytime to make a payment of any amount along the way. I do not recall being told we would continue to receive daily calls asking for payments during this initial phone call & setup process. 
Yet, here we are & I get calls twice a day, sometimes during the evening at XXXX as I'm putting my infant to bed, asking if I 'could afford a larger payment today '. I find this unacceptable & a bit humiliating to have to repeatedly explain our rough financial situation, all the while skirting & dodging calls from my mortgage company that's hounding me daily, for payments when we're under a mutual agreement that no payments are required until XXXX XXXX XXXX XXXX. It was to my understanding that entering into this forbearance was the company 's way of giving us a grace period to catch up. But I do not feel relieved or like I've been given any time to actually breathe & catch up. With the constant calls & demands for payments, that I do not have ( or they'd be posted to the site amongst the other 's we've made so far! ) I am left feeling frustrated at my company 's so called 'customer service ' & like some sort of thief on the run from a loan shark.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Recently I was reviewing my credit report and I realized that I had a series of negative marks qualified as " late payments '' and that they are affecting my personal life and my growth as this negative mark prevents me from obtaining and building credit and to realize my dreams and has even brought me family problems The negative mark is XXXX : XXXX and is being reported by the buro XXXX and equifax respectively and are being violated a number of laws by doing this and also my rights as a consumer. 

To further substantiate the problem I attach the following Legal Grounds for Dispute According to FCRA 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) : Exclusions. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include : ( i ) Reports that contain only information about transactions or experiences between the consumer and the person making the report. 

This means that consumer transactions are excluded from consumer reports. FICO and/or any other risk score or algorithm used to calculate a consumers credit score is not part of what defines a " consumer report '' under the law. The legal definition of a consumer report is as follows : Consumer Report. The term " consumer report '' refers to any written, oral, or other communication of any information by a consumer reporting agency that relates to a consumers creditworthiness, credit standing, character, general reputation, or mode of living, and that is used or expected to be used in whole or in part as a factor to determine the consumer 's eligibility for : ( a ) credit or insurance for personal, family, or household purposes ; ( b ) employment purposes; or ( c ) any other purpose authorized under section 1681b of the title. 

FICO or any other credit scoring algorithm is not defined or included in this legal definition of a consumer report. Therefore, the report of transactions between the consumer ( myself ) and the entity ( XXXX ) constitutes a violation of 15 U.S.C. 1681a. 

Additionally, according to 15 U.S.C. 1666b, on the timing of payments : Timing of Payments Timing of Payments. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late unless the creditor has adopted reasonable procedures to ensure that each periodic statement, including the information required by Section 1637 ( b ), is sent or delivered to the consumer at least 21 days before the payment due date.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Upon checking my most recent consumer report I found that these accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have all been charged off, which makes them certificates of indebtedness, meaning they are now considered income and income is not permitted to be listed on a consumer credit report. The following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) contain transactions and experiences ( utilization and or late payment history ), which is to be excluded from a consumer report. This company also has no permissible. 
15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : a. Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS, -Except as provided in paragraph ( 3 ), the term " consumer report '' does not include A. Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Utilization is an experience. CONGRESS clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!