davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (MA)

XXXX contacted me to state that I had opened an account under my XXXX name ( XXXX ) at an address close to one I had lived in years before-but not the exact address. I have been using my married name for over 13 years and the account was opened after I was married and using the name XXXX. I told XXXX I did not open the account and told them that the address was incorrect as well as in my maiden name. I was told it was all set however I have recently received letters from XXXX collection agency stating that they bought the paypal debt and were looking to collect. I told them the same information and asked them to verify the account. The original account was never put on my credit report, nor has the current account, yet. 
This account was open fraudulently.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Consumer complaint received 2019-05-18
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. (IN)

Over the last five years, I have been going back and forth with Equifax over information that is not mine. On XX/XX/19 I placed a life on my credit report to discover another current address on my file and two accounts that I have previously disputed with Equifax over the last five years and each time they are removed.

I live in XXXX XXXX, XXXX for over two years and now the address that is showing as my current address according to the credit file is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. However, I am a XXXX   resident. I contacted them on XX/XX/2019 via phone and I was blocked from conducting an online dispute, and I was told that they have my pdf documents but they can not verify me and I provided ssn, state id and voter 's registration card. I do not understand why everytime I lift the freeze to apply for employment, credit or loans, that I have this information of XXXX Credit Card and XXXX XXXX Credit Card on my account and this information has been verified numerous amounts of times. But they continue to add this information to my credit file. With all of the Security Breaches the Equifax has had over the last 5 years I feel that they should compensate the consumer due to their lack of interest and protection of consumer information when a Security Freeze, Lock is in place. They have allowed someone to change my current residence from one address to another and refuse to fix it. This is time consuming as well as frustrating. Because Looking at my other reports XXXX  and XXXX ... Equifax is the only agency that continues to place fraudulent and wrong information on their reports..Always!
Consumer complaint received 2023-11-09
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. (NY)

In accordance with the Fair Credit Reporting Act, this creditor has violated my Rights! Under Act 15 U.S.C 1681 section 602 says, " 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 an account without my written instructions ''.

Under 15 U.S.C 1666B, " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.
Consumer complaint received 2020-07-12
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. (NC)

I've been disputing XXXX XXXX XXXX  in the past and i finally got XXXX  to do a real investigation on XXXX XXXX at XXXX XXXX to see if it was a real company. the results came back that its absence of existence. this is considered a Phantom Debt, because the company that there claiming to collect a debt for is non existent. i would like this removed this from my credit report just like XXXX  has done with there  investigation.
Consumer complaint received 2019-02-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capital Accounts, LLC (FL)

No response. unable to verify the information from XX/XX/19 - XX/XX/19.

as CAPITAL ACCOUNTS LLC. XXXX XXXX XXXX XXXX XXXX, TN XXXX from XXXX XXXX on its monitoring report.
Consumer complaint received 2022-12-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (LA)

I am behind on my home loan. My loan company is holding {$8500.00} left from my insurance claim money from a hurricane claim. I sent a letter requesting that the money be applied to my loan balance. They did not approve it. I then requested, the remaining amount to be sent to me. They did not approve that. The remaining balance is less than 10 % of the original insurance check payment made to me by my insurance company. I mailed them XXXX payments totaling {$3800.00}. They sent both payments back to me. I completed a hardship packet in which I asked to pay {$10000.00} and if they could divide the remaining {$1500.00} into XXXX payments. They again did not approve it. My reason for being behind is because I was out of work. My total amount behind is {$11000.00}. They don't want to work with me because I only owe XXXX, and my house is worth {$750000.00}. They would make over a half XXXX dollars in profit by foreclosing on my house.
Consumer complaint received 2020-07-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A. (OH)

As of XX/XX/20, PNC bank will has made a change [ to my account ] that prevents you from being able to link accounts. The app Im trying to link online banking to is XXXX. I was asked if Id like to file a complaint and I am.
Consumer complaint received 2019-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have noticed that XXXX XXXX XXXX have placed an inquiry on my Equifax XXXX XXXX credit file dated XX/XX/2019. I spoke to XXXX XXXX XXXX the reps in XXXX CA office and was told that there would be no inquiry to my personal credit. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to your alleged purpose, for doing so since I did not apply for employment with your organization nor did I request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { {$1000.00} }, whichever is greater ; ''
Consumer complaint received 2019-02-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IN)

In XX/XX/2012, I started my own business and I was not able to pay on my student loan so I started to deferred them. Between running my business and a major car accident, paying back my student loan has been difficult. Over the last 6 years Sallie Mae/ Navient have added over {$10000.00} in interested and late fees. My loan amount total was around {$21000.00} in XX/XX/2012and now it is over {$33000.00}. 

Navient harassed me about my payments when the forebearance would end and call me all hours of the day. Then once I would do another fore-bearance they would add on more fees, interest and late payments. Navient made me believe that deferring my payment was a good/okay thing to do but what it really was, this company is just getting richer off of poor women like me. 

Now I am trying to dig myself out of this financial hole and I wrote them a letter asking them if they could go back to the {$21000.00} as my outstanding balance, if I would agree to pay this off in a couple yes and they said no. They manipulated me for their financial gain. 

Any help would be greatly appreciated. 
Thank you, XXXX XXXX
Consumer complaint received 2020-07-11
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)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately
Consumer complaint received 2020-07-11
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. (MN)

on XX/XX/XXXX I was at XXXX XXXX inquiry on vehicle as questions I was told they would do soft inquiry to see about pre approval amount that I may Qualify for. I was amazed on XXXX XXXX these Inquires on my credit report that I have no knowledge of. Here is list of Inquires XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX slap in face if I would of known they were going to run Hard Inquires with out my permission I would of done this my self at Banks I prefer to go through.
Consumer complaint received 2019-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

1. Wells Fargo is intentionally over collecting for a mortgage escrow account, using projected tax numbers well above what the actual numbers ( escrow review and actual tax bills attached ) ; 2. Wells Fargo failed to pay two property tax bills they received from the XXXX County Tax Claim Bureau ( attached ) ; 3. Wells Fargo failed to pay my property taxes during the discount period ; 4. I received a delinquent tax bill dated XX/XX/XXXX for taxes Wells Fargo failed to pay ( as required from escrow ) ; and 5. I am being charged a 10 % penalty for this XXXX tax claim due ; 6. I will be charged interest if the delinquent tax bill is not paid by XX/XX/XXXX ; 7. Wells Fargo has put me at risk of losing my home for unpaid property taxes ( they are required to pay from escrow and did not ).
Consumer complaint received 2023-01-20
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2020-10-20
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: EQUIFAX, INC. (GA)

During the past year I have been attempting Dispute unfamiliar items on my credit report in my dispute I asked for a method of verification on every single account/Trade line/item I have not received the proper information from any of the credit bureaus XXXX XXXX Equifax and XXXX I spoke to one manager at XXXX XXXX and he told me that we already sent the information and I told him no you did not you sent me a letter with blank pieces of paper on it Then he told me it is 2020 and everything is digital now so we verify it electronically and thats it That is not with the fair report in credit act says You have to verify the dates who you spoke to how you communicated with them what was their response what you communicated with them how do you retain your files The other two credit bureaus did not respond to my request at all and it is my right to have the method a verification Also all three credit bureaus are guilty Of when I correctly dispute an item and give them substantial proof on why the item is not valid on the report they just say that it is verified For example on all three credit bureaus they said that they verify bankruptcies by XXXX before I disputed I wrote the court on which the bankruptcy is CLAIMED to be with And asked them did they verify Bankruptcies with third-party creditors Such as XXXX  XXXX XXXX and XXXX XXXX they wrote me back and said no they do not as clear as day it says on two of my reports that they verify the bankruptcies with XXXX XXXX  I sent them a letter that the court sent me saying that they do not do this and they wrote me back the bureaus and said oh its verified
Consumer complaint received 2019-05-20
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: JPMORGAN CHASE & CO. (IL)

JP Morgan Chase Bank has improperly maintaining my account information and reporting this information to different credit bureaus for the less 12 years. In so doing, my credit score was greatly affected.1 ). They had additional credit cards, etc billed to my account. 2 ) .The failed to maintain good banking records as required by law. 3 ) .I believe this was done due to my race
Consumer complaint received 2019-05-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Paypal Holdings, Inc (CA)

Well I haven't received paypal holdings they been holding for almost a year now. Investments from last year no money received .XXXX returns non at all. Theres plimmishing, spfooing. I'm a victom of Fraud and the web it self ive had money Unauthorized charges to open off apps and prepaid cards. At least {$100.00} Hackers interfere with loans all they above Loans except mortgage. Online text and calls people I don't know. Currency having problem converting in 4,5 Countries. Online Paid Surveys I've completed havent revived a XXXX XXXX for. Starting XX/XX/2017 ending now. Rewards i completed including the extra steps I finished still haven't received my rewards gift cards XXXX and XXXX. Magazines ebooks etc. prepaid and credit card Rewards havent gotten XXXX XXXX spends XX/XX/2017 my spends are gone XXXX XXXX, XXXX XXXX  and XXXX. Owe {$160.00} in card unauthorized usage. The web provides false info and death statements my user name always being used. I could go on and on XXXX from Paypal Supervisor hasn't return my Unathorized {$60.00} I put on cash card. Thank u bye XXXX oh yea unclaimed money I've paid XXXX $ and still haven't received anything
Consumer complaint received 2024-11-26
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

Certainly! Here 's a rewritten version of your message : Citi has closed my credit card account, claiming that I misrepresented details in my disputes. They assert that " the merchants proved you received the services and redeemed sweepstakes money from those services. '' However, I did not misrepresent any facts in my case. 

My dispute was based on not receiving the specific XXXX benefits that were advertised, as outlined in the screenshots I provided. I included evidence of my communication with the merchants support team, which clearly showed they were unwilling to assist me. 

After reviewing the merchants response to my complaint, it is evident they did not address my actual concern. While I did receive some of the advertised services and redeemed sweepstakes winnings ( I never claimed that I did not ), I did not receive the promised XXXX benefits. Additionally, my account was subject to restrictions that prevented me from fully utilizing their services. 

Upon speaking with others in similar situations, Ive learned that Citi is the only bank that does not recognize this merchants actions as a form of bait-and-switch fraud. The merchant made promises regarding XXXX benefits but failed to deliver on them, even imposing restrictions on the accounts of users who reached high XXXX levels, thereby reducing the benefits they were required to provide. 

I believe Citi has misunderstood the situation, and I respectfully request that my account be reinstated and my cashback rewards be paid.
Consumer complaint received 2021-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (PA)

I had fraud on equifax report 8 years ago and they put I pay 1 payment a year to not take this illegal way of keeping on my report. 

They tricked me and when I got XXXX XXXX credit card and asked could it have been family or friends? I didn't know 1 month after fraud happened. They then said they couldn't take off credit for 7 years because I said it could be family or friends which it was overseas fraud. Whoever did this took XXXX XXXX dollars cash in 3 weeks without calling me to see if it was right or fraud. They are going to be sued, my attorney general will be called, my personal lawyer will take them to don't for blindly lying to meThey admit they lost police report, lawyer report and ftc repirt.Then their investigation was just as bad as the fraud. They did nothing that the FAIR CREDIT REPORTING AGENCY MAKES SECTION 604, 609, 611 AND 623 AGAINST THE LAW ( FEDERAL AND STATE ) IN 3 WEEKS THEY HAVE NO ID, TAPES, SIGNATURES OR LETTERS STATING I COMMITTED THIS WHICH I HAD TOP SECRET CLEARENCE MY WHLE LIFE. THEY NEED SNOTHER CLASS AGENCY LAWSUIT AGAINST THEM BECAUSE THEY DONT TRAIN THEIR XXXX WORKERS SMERICAN LAWS. I SWEAR I WI BE RICH IF THEY DONT TAKE OFF THE XXXXXXXX XXXX XXXX OF XXXX XXXX DOLLARS, LATE PAYMENTS OVER 5 YEARS AGO THAT WERE PAID AND XXXX HARD ONQUIREYS THAT I HAD FREEZE ON. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX SS XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (VA)

On XX/XX/XXXX I consolidate my private student loans from XXXX XXXX and XXXX using XXXX. For XXXX XXXX, this was especially important because they were in the process of selling my student loan to Firstmark Services. I have a confirmation from XXXX that both transactions were settled, nothing erroneous occurred and from my point of view, I had a new service provider to pay off my student debt. 

I was able to get the 10-day payoff information handled and the check was sent to XXXX XXXX on XX/XX/XXXX. XXXX XXXX then sent the check to Firstmark Services on XX/XX/XXXX ( according to the phone call I had with Firstmark on XX/XX/XXXX after I received a bill in the mail ). Of course, this to be in error, and on my first call with Firstmark they told me the entire balance was paid off and the representative I spoke to assured me their supervisor was updating the balance to {$0.00}. This call was on XX/XX/XXXX where I spoke with XXXX who assured me her supervisor was updating the balance to {$0.00}, so the fact that I am paying interest for this is beyond me. 

I received another bill for {$54.00} on XX/XX/XXXX, up very slightly from {$54.00} on XX/XX/XXXX, so I called Firstmark because I assumed it was an error. The representative informed me this amount I am being asked to pay is the interest associated with my account because there was 10 days between when they received the payoff check from XXXX XXXX and when they ( I guess ) started to accrue interest on my loan. For all I am aware, and was aware, nothing should have even been sent to Firstmark past XX/XX/XXXX when XXXX sent the check to the first institution. I called XXXX XXXX and they have claimed no association with this new bill, I called Firstmark and they are saying it is because of the delay involved with XXXX XXXX. 

I know I am not the first student to feel completely defeated in trying to overcome student debt, and I understand this amount is not large compared to what I have dealt with in the past. However, the fact that XXXX XXXX is able to sell my loan to another provider that doesn't honor the pay-off date feels corrupt. I should not have to pay Firstmark for " hosting '' this student loan balance for 10 days, at a rate of {$5.00} per day, when the check to completely pay off the loan had already been attributed on every other end of the matter.