davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CA)

This is a formal request to extend my Covid forbearance as Im still impacted. When I call to speak with a representative Im not given any information, and instead, told I need to speak with the Bankruptcy department, who does not provide answers. If you are unable to extend my forbearance, please advise why. Also, if you can not extend it, can you please ask the investor for an exception, so that they can determine if it can be extended? If Im ultimately decline and you can not extend it, please indicate what my options are. I do not want to lose the home, as I am living in the home, and XXXX. XXXX today Of Loancare tried to push the button to give me the extension stated that it shouldve went through but it routed me to the bankruptcy department he did not understand why he tried to put me through I was on hold for 35 minutes no one picked up but he said I did qualify, I explained to him I received an email and I tried to click it on and it did not let me do it. Different answers.
Consumer complaint received 2024-01-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (TX)

I am in dispute of your stated balance of {$530.00} on my credit card account XXXX. 

I have audited all sources of payments made on this account since inception. In summary, my account has successfully remitted {$870.00} to be applied toward a {$710.00} purchase. The terms of purchase included a 0 % finance fee if payback was completed in 18 months. 

Under the terms of the said agreement : XXXX. Citibank Visa is paid in full -- as agreed XXXX. Citibank Visa was overpaid by the sum of {$150.00} This letter will serve as an attempt to : XXXX. Collect a reimbursement of {$150.00} XXXX. Request Citibank Visa report to all credit bureaus the account is a. paid in full b. paid as agreed
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sunlight Financial LLC (PA)

I've made several attempts since XX/XX/XXXX requesting that XXXX/Sunlight/Launch update the trade line with the credit bureaus. Initially, they reported the trade line twice. As per my request, they had one removed a couple months later. However, the remaining trade line has not been updated, despite many requests to do so, since XX/XX/XXXX thus inflating the outstanding loan balance. Each time I bring it to their attention I am told that it may take up to 60 days. It is nearly 120 days since I was last informed of this without any update. I am planning to take out a HELOC in the upcoming months and this is having an adverse effect on my credit data.
Consumer complaint received 2024-01-24
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MD)

Purchase made XX/XX/XXXX at Value City XXXX financed through Synchrony Bank ( SB ). Terms were 36 equal monthly payments of {$180.00} with no interest if paid in full by XX/XX/XXXX. Payments made each and every month well before the due dates. SB statement closing date XX/XX/XXXX shows XX/XX/XXXX payment ( due XX/XX/XXXX ). SB statement closing date XX/XX/XXXX shows XX/XX/XXXX payment ( due XX/XX/XXXX ) and XX/XX/XXXX payment ( due XX/XX/XXXX ). SB statement closing date XX/XX/XXXX shows no payment for the one due XX/XX/XXXX because it already showed on SB closing date XX/XX/XXXX. SB imposed late fee of {$30.00} and showed two payments due. My letter to SB dated XX/XX/XXXX protested the late fee because my payment was not late. SB form letter in response simply explained that fees that may be assessed appeared on the back of each statement. SB statement closing date XX/XX/XXXX shows payments made XX/XX/XXXX ( due XX/XX/XXXX ) and duplicate payment made XX/XX/XXXX. ( I had adjusted automatic payments to SB for this account so that they would not be posted on the closing date and inadvertently sent the duplicate payment. ) This statement also shows an additional late fee of {$41.00} plus {$2.00} interest on " 'purchases '' -- no additional purchases have been made. My letter to SB dated XX/XX/XXXX again protested the imposition of the late fee and noted that I had not received a response to my XX/XX/XXXX letter. SB then sent a letter on XX/XX/XXXX stating that " after review '' the {$30.00} late fee would be credited to my account. SB statement closing date XX/XX/XXXX shows the late fee being credited on XX/XX/XXXX and payment made XX/XX/XXXX ( due XX/XX/XXXX ). It also imposed a new late fee of {$41.00} plus {$2.00} interest on purchases -- no additional purchases have been made. SB statement closing date XX/XX/XXXX shows payment made XX/XX/XXXX ( due XX/XX/XXXX ) a refund of a late fee of {$41.00} plus a new late fee of {$41.00} and interest on purchases of {$2.00} -- no additional purchases have been made. We have received nearly daily automatic text messages and emails about our account being past due. The payments have regularly been made in advance of the due date. I believe SB 's practices are inappropriate and the imposition of late fees and interest has been unwarranted. I have not been able to resolve this dispute.
Consumer complaint received 2021-09-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Millco Management (PA)

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the 3 Credit Bureaus but they failed to give me any results or feedback about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2021-09-21
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my XXXXredit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Collection/Charge off : 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 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 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Someone used my information to open accounts under my name. Im tired of calling the collection agencies, and they cant answer my questions. This has greatly affected my financial situation. I need help to remove these frauds from my credit report. 
Please help
Consumer complaint received 2021-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I discovered a discrepancy on my credit report and I notified Equifax, that there was an open charge account for XXXX XXXX that was not mine. I notified XXXX XXXX  which is the holder for XXXX XXXX and they stated there was no open account for my name and social security number, but it's an open charge with Equifax. I do not have an open charge account with this company and have made no purchases. I need this to be corrected and removed from Equifax.
Consumer complaint received 2021-09-03
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 — Problem with personal statement of dispute
Company: CITIBANK, N.A. (CA)

I discovered XX/XX/2021 that Home Depot, Citi Bank had reported a delinquency to the credit bureaus. I was shocked because I thought the issue had been resolved. They took the late payment off their records and did not charge me the late fee. My problem as I hold them was that I was not receiving my mail regularly if at all. I have been with them for 30+ years and always have paid on time. When I discovered the ding on my credit I called and they told me I was 31 days late and they had to report it. The amount past due was {$10.00}. I am outraged. They say they can't do anything but I know they can remove it.I got a letter XX/XX/XXXX saying they would look into it but when I called they said they could not. The letter asked for all the information they already had. I'm furious!
Consumer complaint received 2021-09-21
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. (GA)

As a victim of identify theft there are invalid inquiries on my report.

US SM BUS ADMIN XXXX - XXXX XXXX, XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX
Consumer complaint received 2021-09-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (VA)

I closed on my mortgage. During the closure process the bank did not offer any forms to send any excess funds - either via mail or wire. After closing the bank notified that they would be sending me a check and referred me to an online PDF that I had to bring into a branch or fax to in order to change my address to the place where the excess funds were to be mailed. The process itself was manual and inordinately arduous as compared to the other processes that they have around managing one 's mortgage. At best this is a broken process. At the worst, this process is working exactly as intended, throwing up hurdles and introducing an inordinate amount of friction in order to delay customers getting their excess funds and thereby making some additional percentage of interest on the funds.
Consumer complaint received 2019-09-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (TX)

I C Systems Collection agency does not have the right to collect or report on my credit report as a debt owed. I have repeatedly requested XXXX, XXXX and XXXX to remove from my report per the FCRA section 609 immediatly. I have requested an original copy of the signed contract from I C Systems Collection and they have failed to do so. This item remains on my report and is hindering my ability to obtain credit. I demand this be removed from my credit report immediatly.
Consumer complaint received 2021-09-21
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. (MA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (PA)

I put a credit freeze and fraud alert on my account with Equifax a couple years ago. 

When I applied for credit a year or two ago, I needed to remove the freeze and fraud alert. So I snail mailed then the required information. But it was never lifted. 

Equifax never fixed the problem a couple years ago. I didn't follow up on it back then because the banks I was using used other credit reporting companies. But now I see that it is a problem, because XXXX uses Equifax. 

Today I applied to open a bank account at XXXX XXXX, but was turned down because of the freeze and fraud alert. So I went online to unlock the freeze. But there is still a fraud alert, so I couldn't open the account. 

I tried to phone Equifax XXXX, but the voice ID doesn't work, and the hold time is interminable.
Consumer complaint received 2024-11-01
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. (PA)

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 XXXX and XXXX 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 2020-06-11
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. (GA)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. This suspicious item is not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this item from my report : XXXX XXXX XXXX XXXX, DEPT OF ED/XXXX, DEPT OF EDUCATION/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, U S DEPT OF EDXXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-25
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: SYNCHRONY FINANCIAL (TX)

On XX/XX/2022. I recived an alert from XXXX that Synchrony Bank had checked my XXXX credit report. 

The following is the credit inquiry listed on my XXXX report : SYNCHRONY ACCOUNT REVIEW DATE : XX/XX/2022 Institution Information SYNCHRONY ACCOUNT REVIEW XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX I attempted to reach out to Synchrony Bank several times on XX/XX/2022 and spoke with multiple representatives. I was transferred back and forth between the fraud team and the customer care team. I was able to speak to " XXXX '' with the fraud team who advised me there was no applications in process with Synchrony Bank. I also verified with XXXX that no reviews were done on any accounts. " XXXX '' advised me to reach out to the credit agency who alerted the inquiry. I have notified XXXX that the inquiry is fraudulent. The number listed on the inquiry ( XXXX ) is a number I am unable to reach, the phone line just keeps ringing. 

This fraudulent inquiry continues to remain on my XXXX report. This inquiry is UNAUTHORIZED. I hereby demand Synchrony Bank to notify XXXX of the removal of the inquiry. 

This inquiry violates the FCRA under section 605B ; results from identity theft. 

Please notify XXXX to remove the unauthorized inquiry.
Consumer complaint received 2021-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX
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 — Their investigation did not fix an error on your report
Company: B&F Finance Corp. (TX)

I had a loan with Quick Loans aka Dartmouth aka BF Financial in XXXX XXXX I Paid the loan early every month and paid it off 2 months early on XXXX XXXX. I then reported to XXXX and XXXX XXXX... they came back 4 times stating info ( a balance ) was correct and verified correct. I called BF in XXXX XXXX and was told by XXXX ( manager ) that it would be fixed by XX/XX/XXXX per her corporate office. It is still not fixed. I have submitted yet another inquiry through XXXX direct website and the XXXX link on XXXX XXXX, it is still not fixed.
Consumer complaint received 2019-09-30
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. (SC)

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have contacted Equifax more than one time vs certified mail and have also called. 
Disputing and requesting that I personal information and name be updated and all those address and names that do not belong to me be deleted, and they refuse to comply with my request and Federal Law. I have mailed notarized letter with photo of my driver licence and social security card showing them what name is and how it is spelled, and still no change. Just as of XX/XX/XXXX I was mailed my report, which still has all inaccurate information my name is XXXX ( XXXX ) XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX. Nor have they remove all of those addresses that are not my address and the employment that is on there as well. This makes me give further verification to whom I apply for credit because I have all these different names and address and employer on my credit report. 
The following is inaccurate and needs to be deleted : ( 6 addresses this completely inaccurate ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX, XXXX XXXX XXXX XXXX XXXX SC XXXX, XXXX XXXX XXXX XXXX SC XXXX, XXXX XXXX XXXX XXXX XXXX SC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX employment that needs to be deleted XXXX ; XXXX XXXX ; PHONE NUMBER ( XXXX ) XXXX Please remove all inaccurate information and update my credit profile as to the following information is accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX They also have never send me the proof that they investigate my dispute I have requested twice and they keep telling me it has been verified and accurate and the other disputed just have Not Specified Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX They have yet to provide me with proof of an investigation and any reporting documents that this is my debt and reporting accurately I have requested it by mail and phone
Consumer complaint received 2024-11-01
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)

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX UNAUTHORIZED INQUIRIES : RESIDENT VERIFY XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-04-05
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. (OH)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX