davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-10
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. (MS)

15 USC 1681 Section 602 : States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-03-10
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. (NY)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$12000.00}
Consumer complaint received 2019-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: HANCOCK WHITNEY BANK (MS)

i recently went into a local Hancock Bank Branch with my husband to open an account so that i can pay my bills while hes out working offshore and the teller said to me that she couldnt add me to his account because it shows a charge off fom 1999 i dont recall ever having an account with Hancock Bank so i need someone to check into this and if there is nothing on file could you please write me a statement stating tjhere is nothing showing so i can delibver to Hancock bank i would really appreciate it if this could get resolved because i need to open anaccount with my husband who already has an account with Hancock Bank. thank you XXXX XXXX   XXXX
Consumer complaint received 2020-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (IL)

I placed a fraud charge for XXXX XXXX immediately and for years later-Wells Fargo ignores. Last month I went in XXXX branch and was there an hour with XXXX banker and service Mgr,. XXXX XXXX deleted my claim document scanned in and He does not remember anything.
Consumer complaint received 2020-07-22
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. (TX)

I have a HARD INQUIRY on my Equifax credit report from a company XXXX XXXX from XX/XX/2019. I did not authorize this credit report pull from this company and I want this " hard inquiry '' removed from my credit report at once as it is impacting my credit score due to this fraudulent inquiry. 

I have tried multiple times to get Equifax to clear up this erroneous, false, and fraudulent information on my report only to get an excuse that it was authorized. 

I DID NOT AUTHORIZE THIS CREDIT PULL. 
EQUIFAX needs to correct what process or system disconnect made this credit pull possible and ensure that this doesn't happen to other people going forward. 

I want this removed from my credit report at once. 
I WILL NOT SEND IN ADDITIONAL INFORMATION via old fashion mail to Equifax for this issue - they need to allow for real-time resolve to errors that they have made on their part that are impacting a consumer. I want this resolution to be immediate and swift - it has been over a year fighting this to be removed. 

I DID NOT AUTHORIZE THIS CREDIT PULL.
Consumer complaint received 2023-03-10
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)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX. The inquiry was not authorized XXXX CR Date of inquiry : XX/XX/XXXX 5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  XXXX Account Number : XXXX Delete this account. 
6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  Account Number : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : EMPLOYER : DIVISION OF CHILD XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
12. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete this account. 
13. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
14. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
15. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 
16. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  XXXX Account Number : XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX CR Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX8. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2023-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still many items to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXXXXXX 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 2019-10-22
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. (NV)

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. ***
Consumer complaint received 2021-03-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (MA)

My loan was purchased while I was awaiting a decision on a modification. I had received 2 letters from XXXX stating that have received a full package and will contact me in 30 days. 36 days after those letters I call to find the results and Im told my loan was sold to Fay Servicing company. Since then I have been trying to contact XXXX to find out the status of my loan. I was told by one representative that my loan was not protected and it was in foreclosure. I was told by another representative that I have a manager that works on my account name XXXX that will be contacting me in an email was sent it has been over a month I have yet to hear from that person. I have contacted XXXX XXXX to assist me in phone calls and they have failed to get any information. They refused to call me back. When I call they are rude, they offer no advice no help Im just told somebody will contact me but it is been almost 2 months and I have read upon their reputation that they force homeowners into foreclosure which scares the life out of me. They had a class action suit against them in 2017 and were find over {$1.00} XXXX for forcing homeowners into foreclosure. I feel that this is the same thing they are doing to me I get no cooperation no answers nobody will help me all I keep getting is somebody will call me back XXXX has not called me back once and he has received three different emails from three different representatives nobody else will help me.
Consumer complaint received 2019-08-28
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. (WA)

Equifax, XXXX and XXXX are willingly and purposefully lowering consumers scores and affecting personal credit files. They have been found guilty many times for this fraudulent behavior. This has to stop. I had perfect credit history for 5 years and they dropped my score by 200 points for no good reason. How is the public sector supposed to pay into the system or finance anything with this corrupt fraudulent activities going on?
Consumer complaint received 2019-08-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

I made a complaint earlier regarding this matter, the reason I withdrew my authorization was because I received a letter from my previous mortgage company that they accidentally increased my monthly payments by {$180.00} and I also made that payment. so because I made that payment I withdrew my authorization, I did not do anything wrong in that, kindly coordinate with XXXX regarding this. The loan No. is XXXX
Consumer complaint received 2023-03-08
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. (TX)

My credit report contains a significant number of unauthorized requests, as well as some reporting of fraudulent accounts and information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I am requesting you to please remove the following accounts and inroamtion that resulted due to identity theft : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance Owed : {$970.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$3300.00} XXXX XXXX Balance Owed : {$4800.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XX/XX/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  I have read that under the Fair Credit Reporting Act section 605, and have the fraudulent accounts and inforamtion removed completely from my Credit File as soon as possible.
Consumer complaint received 2023-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It's been a struggle getting through all of this, so I'm making this CFPB complaint to ask the credit reporting companies to totally remove the disputed fraudulent accounts and information from my credit file. How many times do I need to notify the credit bureaus that I was a victim of identity theft and that the accounts I'm disputing were the consequence of the crime? In order to rectify my credit file, I've been requesting from the credit bureaus to take away the disputed items. If the credit bureaus assert that the disputed items are mine, they should also send me copies of their verification. But I've been disappointed with the Credit Bureaus since they haven't sent me copies of the documentation I have. The Credit Bureaus, however, have let me down and have not sent me copies of the information I have requested from them. Also, I have been sending letters of disagreement to the credit bureaus, along with entire identification proof documents and an Identity Theft Report I obtained from the FTC. This CFPB complaint is a follow-up to the one I previously filed with the bureau, and I'm asking the credit reporting agencies to take down the disputed entries before I have to resort to legal action. Please fully delete the following entries from my credit file : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2019-08-26
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)

Multiple accounts are reporting on my credit reports, that are incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX   XXXX
Consumer complaint received 2019-08-28
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. (FL)

I have disputed this account mutiple times do to fraud I have sent my FTC affidavit form in and still the credit breau have not removed the accounts thats fraud they told me to send in my FTC form and I did and still havent remove it
Consumer complaint received 2019-10-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC (FL)

I had a car accident where a women run me over, i used to have an attorney And he Did a deal with the hospital that I had to pay US {$4000.00} for the entire bill because the total amount was around US {$470.00}. I have the letter from XXXX and the insurance that they did paid, the accident was on XX/XX/XXXX, and I was in ther from XX/XX/2018 to XX/XX/2018 I sent the company all of this but they didnt care and submitted that anyway.
Consumer complaint received 2017-11-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES (MI)

I have had a loan in forbearance with Great Lakes Higher Education for about a year or more now. I am at a point where I can start making payments as I have recently become steadily employed and want to start paying these loans off. I have reached out to the servicer on multiple occasions to make a payment as I have a high amount of interest that has already accrued on the account I have. They keep asking me for my personal bank account information or telling me to go open a checking account somewhere as they will not accept credit card payments. I have a valid credit card I can pay with and I 'm not comfortable giving anyone direct access to my savings account ( I do n't have a checking account ). I have no other method of paying my student loans other than through a credit card. All I want to do is make a payments until the loan balance is paid off. There seems to be no flexibility at all on this and if I knew there were stipulations to getting my student loan that it can only be paid off with a direct link to some kind of a bank account at this point I would have just foregone my education entirely because now its likely going to ruin my credit and keep piling on interest. Any and all help would be greatly appreciated! 
Thanks so much!
Consumer complaint received 2017-11-02
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: ORG GC GP BUYER, LLC (CA)

I was enrolled in a film program at the for-profit XXXX XXXX XXXX California - XXXX XXXX. Before I could finish the program and earn a XXXX XXXX, I moved from XXXX XXXX to XXXX, and was assured that I could transfer to the XXXX XXXX campus of the school and finish out the program. However, once I arrived, I was told that my loan program had been cancelled. I had to apply all over again. My co-signer was denied, as was a second co-signer. I was told that because of the loans I had already accrued - for a program that I had not yet completed - I could not take out any more loans ... this despite the fact that those loans were not yet in a repayment period. 

Thus, for years following the cancellation of that loan program, I took whatever job I could find, and wound up making less than {$27000.00} per year working full time at a XXXX XXXX  company. I could barely pay my rent, much less put anything toward repayment. Without a degree, finding any other kind of higher paying job or starting a new career was essentially hopeless. 

That school 's parent company XXXX has since been sued by the federal government for predatory recruitment practices and as of XXXX has lost all accreditation. I can not use the units I earned there toward a degree at a state school, and am ineligible for financial aid of any kind because of these debts. 

First XXXX held the debts. Then the debt was evidently sold to XXXX, XXXX XXXX XXXX XXXX Now, these are held by GC Services Limited Partnership . 
XXXX, XXXX XXXX XXXX XXXX previously offered to settle for the amount of {$62000.00}. This was contingent upon receiving that amount by XX/XX/XXXX - which was absurd, since that is more than I make in one year. 

I have reached out to work out a payment plan based on my projected income, but they have not been willing to settle this via letter. I want everything on paper.
Consumer complaint received 2019-08-24
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. (MS)

On XX/XX/XXXX I opened an unsecured loan with a local financial institution. The loan was paid off XX/XX/XXXX and the credit bureau ( Equifax ), is still reporting the account not paid, and, or still open as of today 's date. I have contacted the financial institution, the representative said the account was reported in XX/XX/XXXX and being paid off and closed, but the credit bureau still has not changed the account status, thus hurting my FICO score. 
I have initiated a complaint with the CFPB to no avail. Something needs to be done cause I am victim of identity theft and I am also a victim of the Equifax Data Breach of XX/XX/XXXX. My  next step is to file a cause of action in the appropriate court ( s ) for relief against " ALL '' " entities '' involved for not doing their jobs in investigating my ligitimate complaint ( s ), filed in accordance with FCRA, and The FTC. I have included screenshots of the item in question from the credit bureau itself. ( See attachments ).
Consumer complaint received 2020-07-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

I sent a {$1.00} transaction from myself ( ME ) to XXXX XXXX ( CO ) to test an e-commerce button I had just installed on the company website. Mistakenly there was a {$26000.00} item in the cart, and PayPal processed the transaction for {$26000.00}. 

The problem was complicated by the fact that in trying to block the transaction for happening I disputed it with my credit card provider. Then after after being told that a dispute would prevent a refund to XXXX XXXX I un-disputed it, and then after that didn't work either I re-disputed it. This created a series of transactions that exceed the ability of customer service agents working on chat to understand and resolve. 

So now after months of attempts to reverse or annul the transaction at PayPal, multiple and continuous attempts to reverse or fully credit the transaction at my credit card provider, and at the online merchant backend provider, on behalf of myself ( ME ) and of XXXX XXXX ( CO ) have failed and PayPal now insists that I personally ( ME ) owe the {$26000.00} but they won't refund that money to XXXX XXXX ( CO ), so I'm stuck holding the bag for a completely fictitious {$26000.00} transaction. It's a bookkeeping mistake, somebody needs to make another debit or credit entry, but I can't manage to speak to anybody at PayPal. Everything is by chat only, with low-level agents who don't understand and refer me to everybody else like the credit card company. But XXXX says that PayPal tells them that too much time has gone by so the case is closed. I need to talk to a human being with a brain, or else take it to court with PayPal, but I'd much prefer to speak to a human being. 

I can no longer use my credit card because of this and I'm incurring penalties and interest on the full amount. I thought it would be settled in a few days, but since it has been going on for almost four months it has turned into a personal financial crisis.