davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-14
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: EQUIFAX, INC. (PA)

I received a copy of my credit report, and I am disputing some items that need to be deleted. Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card per FEDERAL LAW 15 USC 1681 is the same as it is under 15 USC 1602 ( 1 ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or other services on credit. Notice, congress said ANY card, the credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. Pursuant to 15 USC 1681c ( a ) ( 4 ) states that any information that is placed for collection or charged to profit lost should be excluded from my consumer report. Why are these consumer reporting agencies furnishing information without my consent. Pursuant to 15 USC 1681a ( 2 ) ( B ) these transactions should be removed from my consumer report expeditiously. I am demanding that you block and remove these transactions from my report as they are a violation of my rights as a federally protected consumer under Title 15 Chapter 41.These accounts should all be removed from My consumer report pursuant to 15 USC 1681a ( 2 ) ( a ) ( i ) .I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.I sent a certified letter XX/XX/2021 and received notice that you received. You have 30 days to complete my request, you are on notice. All of the consumer agencies are civilly liable for negligent non compliance pursuant to 15 USC 1681o.
Consumer complaint received 2019-08-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NY)

Gentlemen! First of all, I did not choose this crooked mortgage Co : my previous mortgage servicer went bankrupt, the government took over the mortgages and gave them to the crooks under the name LoanCare LLC, without asking my opinion or consent. this company charges their customers bogus hidden fees. they charge me {$10.00} every month for making my monthly mortgage payment. they do NOT provide you with any other payment option that would allow you to avoid paying {$10.00}. this is a ripoff : this " fee '' was never disclosed to me nor I ever agreed to pay it. if they charge thousands of client {$10.00} each every month {$10.00}, that will add up to a nice chunk of money for them fordoing nothing, - not too shabby. and what prevents them to turn this {$10.00} bogus fee into a {$50.00} or a {$100.00} bogus fee next month? My account is paid on time before the due date, the representative on the phone was not capable of explaining coherently what the {$10.00} ripoff was for. can you please help me to understand why I am being robbed {$10.00} each month? I am a semi retired senior citizen, I work only 20 hours a week due to my multiple and serious health issues and I am still raising XXXX minor children, I don't have any spare money to give to every crook out there. thank you for your help.
Consumer complaint received 2022-02-22
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (TX)

I am doing a refinance on my mortgage. During the process the title company found XXXX liens from Wells Fargo. I will pay off the mortgage debt during the refinance which is XXXX, this amount correlates to the original deed of trust of XXXX dated XX/XX/XXXX. The second is a subordinate lien of trust for the amount of the loan modification that was done on XX/XX/XXXX, in the amount of XXXX. This amount I received a payoff for XXXX on XX/XX/XXXX and will take care of it when I close on the refinance. The lien that was filed erroneously, was another subordinate lien of trust for the amount I owed on the loan at the time of the loan modification XXXX on XX/XX/XXXX. When I contacted Wells Fargo initially around XX/XX/XXXX I spoke to the home preservation department and they told me that i had to pay all three amounts in order for the liens to be released, and told me that if i needed further assistance to contact Fist American tittle and gave me a number to a notary service they used to record the lien documents. I have continued to try and work with them several times. They gave me a case number on XX/XX/XXXX which I later found out on XX/XX/XXXX was closed without any action taken. I then spoke to a supervisor who admitted that a mistake was made and told me the lien release department he spoke to could not do anything but gave me a fax number for their correspondence department. I faxed them all the required documentation and explanation on XX/XX/XXXX. I contacted them on XX/XX/XXXX and they advised me that someone would reach out to me. I contacted them again today because i had not heard from them and they told me that they just received my correspondence today and that someone will contact me in 24-48 hours. I need to get this resolved. It has been a month since I reached out to them originally and it just seems like they are unwilling to correct their mistake because no one knows what happened and they are not taking ownership of such mistake by rectifying it and releasing the loan. I told them several times that I will pay for what I truly owe but I will not pay for double the amount of the loan because of their mistake.
Consumer complaint received 2019-03-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

Company appeared on my credit XX/XX/2019 without proper notification as they were obligated to do in accordance to FCRA rules. I have no knowledge of this account and the company has never sent me any correspondence given me the opportunity to obtain validity prior to reporting on my report. Prior to filing this complaint I called the credit bureau and was informed that the company provided proof that the account was mine because of a matching OLD address on file THAT HAS SINCE BEEN REMOVED DUE TO IDENTITY THEFT and birthday. When I tried to call because I have no idea what this is from the customer service agents was unable to speak with me unless I verified my information. I gave her my social and the account number furnished on my report. She was unable to speak with me as the information didnt match. When I asked her to send me a letter stating they had the wrong information the call conveniently disconnected. I called back and asked another agent and he said its against their policy to discuss the account because the information doesnt match, when I asked him to send me verification of the debt and to cease collections he stated they wouldnt collect anymore but he couldnt stop it from going on/remove it from my credit if I didnt pay. I AM NOT PAYING FOR AN ACCOUNT THAT IS NOT MINE and they couldnt even verify in their system. I have never attended XXXX XXXX University and I have no knowledge of this account. In fact I have had over XXXX in student loan debt dismissed via the XXXX XXXX XXXX due to identity theft.
Consumer complaint received 2022-01-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I was on XXXX due to XXXX XXXXXXXX and struggled for 2 years prior to that made my payments on time and they still always said I was late. I call customer service to assist with my question and every time I get a different answer, no notes you called we don't know what you are talking about we lost your paper work to lower your payments, we mailed you a statement but if they mailed it to me why haven't I received it? 
I worked at a non-profit hospital for 10 years and was never once told about the programs that you could apply for and possible forgive your loans. Or course I don't work there right now but I did. 

The last time I called in XX/XX/2021 I happened to log into my portal through them and see that I had a balance due but never received any information from them. 
when I called the lady said that I signed up for e-delivery which I promise I did not do as I have years of issues with this company. 

Customer service is horrible and you never get anywhere. I have come to ask for a supervisor but I am always told that they will call back within 24 to 48 hours on the problem but of course never do. 

I still struggle with my payments as the cost of living goes up but not the pay and they seem to never want to help.
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: EQUIFAX, INC. (MI)

XXXX XXXX admitted to furnishing the credit bureaus with fraudulent information on my credit report but did not remove the inaccurate information from XXXX  or eqifax credit reporting agencies which is causing a financial hardship and damages. They are fraudulently reporting information as a third-party vendor and not the US Bankruptcy court as stated on my credit report. 

It is quite clear that someone from ( XXXX, XXXX, Equifax ) fraudulently verified this bankruptcy with the ( US Bankruptcy CourtXXXX ) or ( XXXX XXXX XXXXXXXX XXXX XXXX ) as reported, it was verified through the third-party vendor XXXX XXXX XXXX XXXX which is not the ( US Bankruptcy CourtXXXX ) or ( XXXX XXXX XXXXXXXX XXXX  XXXX ) according to the enclosed letter from XXXX XXXX which is an inaccuracy. That is a violation of the Fair Credit Reporting Act ( FCRA ) and Consumer Law which states : Under Consumer Law 15USC 1681e ( b ) that whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Under USC 1681i ( 5 ) Treatment of Inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) Promptly deleted that item of information from the file of the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2022-03-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. ()

I was doing wire transfer from chase mobile banking app of {$20.00}, the transaction got cancelled and my account was locked & this has happened twice than i tried contacting the XXXX after verification of identity my account gets unlock & than whenever i do wire transfer again my account gets locked. It's happening again & again. 

{$20.00} transaction details are as following : - Send to - My brother XXXX XXXX XXXX XXXX XXXX Purpose of payment - personal, cultural, recreational services. 
XXXX XXXX - XXXX Date of transaction - XXXX XX/XX/2022 XXXX
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

Good evening you have recently reported that XXXX and XXXX bank is reporting accurately on my report but i so happen to have a letter from XXXX saying you all are reporting inaccurate information late payments .Please update to paid as agreed .If you refuse, I will like to inform to You that you are are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. 

Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter.
Consumer complaint received 2022-01-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Consumer complaint received 2022-03-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NJ)

I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. But the issue is that the website never completely lets me finish the account setup with usual errors ( ie " failed security check '' or " site error, try again '' ) on multiple occasions. Contacting IT department of the bureaus lead to nothing as the agent would " open a ticket '' and no resolution was reached. When the site actually does let me make an account, I can't submit any disputes due to further glitches and contacting IT again leads to nowhere. Last option remains to call their representatives and proceed to dispute through that but when I do call, the reps are too lazy to even properly initiate any disputes. FTC and police report numbers are not taken over the phone and are asked to mail instead. Even after mailing the said documentations over and over again via certified mail and having proofs that the bureau received it, the agents keep denying the receipt and keep hindering my attempts to fix any and all attempts to resolve this drastic information leaks on the bureaus end.
Consumer complaint received 2022-02-22
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. (NC)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Case # XXXX XXXX Re : Cease and Desist False Reporting Contact To Whom It May Concern : This letter serves as notice to you and your company to immediately cease and desist erroneous credit reporting. 
Pursuant to the Fair Credit Reporting Act for fair and legal reporting debt, we demand that you and your company stop the monthly charge offs. 
We closed our account in XXXX due to fraud and you have placed over 50 charge-offs since then. You are deliberately keeping the account open to justify the reporting monthly charge-offs. Per your website, members must maintain a {$5.00} balance to keep accounts open. We have had a zero balance in the account since XXXX. Yet, every month, you send a statement reflecting a zero balance savings account claiming that the account is open. This is a direct conflict with the minimum balance requirement per your policy. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C 1681 ), this falls under non-compliance with the law and false reporting. 
In addition, this constitutes a breach of contract since the original credit card agreement does not authorize the re-charge debt. 
If you continue to issue charge-offs, we will be forced to take legal action against you for violation of the Fair Credit Reporting Act and will seek all available damages and remedies. 



Sincerely, XXXX XXXX
Consumer complaint received 2022-01-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

I have a chase checking account and recently made a XXXX  account for investing somebody hacked into my XXXX  account and made a fraud transaction of XXXX from my chase bank account need help getting money back
Consumer complaint received 2022-01-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

Over the past years, I have always checked the box to allow my loan servicer to give me the lowest payment payment plan under the guidelines of XXXX. They have frequently given me the highest payment amount although I qualified for a lower payment plan. 

On XX/XX/21, I realized this when I received a recalculation of my XXXX plan after recertifying for my XXXX plan for XXXX. I noticed that the amount was very high and so I reapplied again and checked the lowest payment Revised Pay As You Earn ( XXXX ) plan ( instead of letting FedLoan Servicing select a plan for me ). 

I was qualified to enter Revised Pay As You Earn ( XXXX ) and was saving $ XXXX. 

You put trust when you select the box for the servicer to select the payment plan that is the lowest, and I realized I was overpaying for several years. 

The documents I have submitted are only for one year because the documents from past years have been removed from my account mailbox. 

This is a predatory practice and needs to be stopped especially for public service employees, who make less than private employees.
Consumer complaint received 2022-01-14
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. (TX)

Equifax is showing a late payment on my credit file for XXXX  account # XXXX in XXXX of 2020. 
According to 15 U.S. Code 1666b.Timing of payments ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2022-01-14
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: EQUIFAX, INC. (MO)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2022-01-14
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: EQUIFAX, INC. (FL)

My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.