davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (GA)

Please see that Equifax has merged some old information to my credit report. I have attached to XXXX credit reports. The XXXX from XXXX is the correct report and the XXXX from XXXX is incorrect. Now, they from XXXX has my name listed as " XXXX XXXX XXXX '', which is correct and on " ALL '' my reports from Equifax come with that name displayed. 
The report you see on XXXX has " XXXX XXXX XXXX '' and the many negative accounts have been added to that process. Equifax has totally destroyed my credit profile by account XXXX negative account, changing payments history, modification of inquires and revolving credit line. This was brought to my attention because an alerted popped up stating Equifax has a new address for me and I have not moved ... That 's when I saw the chaonges of the name and credit report. 

Please " see the latest letter from Equifax attached with the name XXXX XXXX XXXX '' and not " XXXX XXXX XXXX ... '' I DEMAND EQUIFAX RESOLVE THIS ISSUE ASAP OR A LAW SUIT WILL FILED! As I proivded the proof and found the problem with the report. My file should look as it was on XXXX. 

Please take more then 5 mins to view this information and you see the problem. Reference CFPB # XXXX.
Consumer complaint received 2016-04-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (PA)

My husbands name was on my house 's mortgage. He passed away XXXX 2012. Since then I have paid the mortgage and have received a XXXX form for income tax filing. This year, Chase has decided that they do not need to send me this form and report the interest I have paid. I have paid the interest from my personal checking account and my name was on the deed even before my husband 's passing ( done at the time of purchase ).
Consumer complaint received 2016-12-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (CA)

I complained some months ago that Chase would not refi a XXXX Veteran since they are making more money. You checked into it, they wrote a nasty letter with original docs, and basically said you are on your own. They also told you they had no application for a refi by myself. I have applied twice. They are lying. I recently emailed them an application and they did not respond at all so there is no record I assume. I need to refinance before mortgage rates go up. I am in an adjustable. It is my own fault for choosing this loan but I need to get into a fixed 30 year desperately.
Consumer complaint received 2018-09-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC (GA)

I was looking for a small loan at a time of need. I was contacted by this company through my email after my search on XXXX. The loan was taken out XXXX for a XXXX loan. I have paid back XXXX. I have searched and tried to contact them and unable to reach. I can not find a copy of agreement which was never sent. I have paid close to double. The interest is ridiculous and im assuming a year which would take this 5 times the loan. This company is not realistic and a loan shark.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

I am writing to formally complain about Experians ongoing failure to provide information regarding the verification of data that I have disputed in my credit report. I have made multiple requests asking for an explanation and documentation on how the disputed information was verified. Despite my repeated efforts, Experian has failed to provide the necessary details, which I believe is a clear violation of the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, I am entitled to receive a clear and accurate explanation of how the information in my credit report was verified. Your failure to comply with this legal obligation is unacceptable and has caused me significant frustration and inconvenience. 

To resolve this issue, I request that Experian immediately : Provide a detailed explanation of the procedures used to verify the disputed information. 
Supply any supporting documentation obtained during the verification process. 
Remove the disputed information from my credit report if it can not be properly verified. 
If I do not receive a satisfactory response within 30 days, I will have no choice but to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel to address this clear violation of my rights under the FCRA. 

Please consider this letter a formal request for prompt resolution. I expect your immediate attention to this matter. 

Thank you for your cooperation.
Consumer complaint received 2018-09-07
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: Experian Information Solutions Inc. (GA)

Hi my name is XXXX XXXX, I am sending you this message in regards to my credit file. I received disturbing news that I have been a victim of identity theft. It comes to my attention that looking over my credit file that your company made several errors along with DEPT OF ED XXXX & XXXX XXXX. I have clue as to what is DEPT OF ED XXXX not XXXX XXXX. I am disputing both accounts as fraudulent and I would like for you to perform an internal dispute. I am not liable for the erroneous actions that your company has taken upon my file, I have attached a letter along with some documents in the attachment area. If this situation isnt resolved professionally, investigated internally as a dispute, and a new credit report with the removal of the errors your company added to my credit file. Please read the letter in the attachment area.
Consumer complaint received 2016-01-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (WA)

We have a file with Ocwen, and informed them on XXXX XXXX that their is a Auction from the HOA. Every time we call, they play dump and act like they do n't care, I have informed the XXXX attorney who informed their contact, the payment is due now. They requested info that was emailed on XXXX XXXX and XXXX. Auction is Friday the XXXX of XXXX. 
The mortgage is a XXXX XXXX XXXX.
Consumer complaint received 2018-09-06
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. (CA)

Equifax has been non-compliant with removing the unverified account Bankruptcy chapter XXXX-discharged XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that Bankruptcy chapter XXXX-discharged was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2016-01-25
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (FL)

Applied for a Chase XXXX preferred card online, after submission I was told that my application was pending and I should receive a letter shortly with the decision. 

I called the Chase Reconsideration line and was told that I opened too many credit accounts in the past 24 months. Unfortunately no one was able to tell me the number of accounts that they 're gouging, nor was there any wording in the application that stated they would check the number of accounts opened in the past 24 months.
Consumer complaint received 2024-10-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: PNC Bank N.A. (OH)

PNC hasn't responded with the WRITTEN RESPONSE it was supposed to submit on here and mail to my po box . Not sure what the hold up is. Now I am being told the servicer that handles the loan is limiting written responses to me for whatever reason. I would like PNC to actually put in writing the EXACT reason why they are denying my discharge due to proven school misconduct.
Consumer complaint received 2015-10-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (LA)

I have contacted Equifax seral times within the last three months about some incorrect reporting XXXX. They keep saying that XXXX XXXX is reporting this information. This is not true. XXXX is reporting these XXXX accounts with the correct balances. They sent me a credit report dated XX/XX/XXXX2015-XXXXreporting balance XXXX is incorrect-the balance is XXXX XXXX XXXX reporting XXXX is incorrectly-the balance is XXXX.
Consumer complaint received 2016-04-17
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (CA)

I never applied for credit card to Amazon / CHASE OR any other agency such as XXXX, XXXX XXXX, XXXX XXXX, XXXX etc. Today I got a AMAZON.COM REWARDS CREDIT CARDS FROM CHASE BANK. 
THOSE COMPANY RAN MY CREDIT SCORE.
Consumer complaint received 2018-09-04
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: WELLS FARGO & COMPANY (MD)

I was called by XXXX XXXX and they left a weird voice message. I called back asking questions. They stated that I was delinquent on an account. They stated that it was a XXXX account. I informed them that I opened that account 10 years ago and that I don't owe anything.I asked, why isn't the company contacting me? They stated if I would go into the Wells Fargo bank, that they could pull up all of my information. I also asked, '' Why isn't this on my credit? '' They stated because it goes through a checks and balance system. I told them it doesn't make sense. They then stated that if I would have paid my debt, I wouldn't have this problem. I stated that I haven't received anything in the mail. They tried to identify my address. They have called my job asking if they could process serve me. They have also called my aunt and my uncle harassing them. When I asked about this they stated that they are trying to contact me to serve me. This is not making any sense to me whatsoever. This is harassment and I want it stop.
Consumer complaint received 2015-06-09
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Recovery Partners, LLC (CA)

I and another person had gotten in an accident on XX/XX/XXXX. I filed a claim with My insurance ( XXXX ) and they took care of everything. XXXX XXXX, the company of the other person n the accident, is using Recovery Partners LLC to collect a debt that has already been paid in full. It is concerning a claim that they said happened on XX/XX/XXXX. It happened on XX/XX/XXXX and my insurance XXXX too care of it. They have been rude, threatened to take away my license if I do n't pay the sum of {$2500.00}. I am and was insured on the date of the accident. Do not use XXXX as they use strong arm tactics and try to make you pay a bill already paid.
Consumer complaint received 2018-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: EQUIFAX, INC. (CA)

Equifax has been non-compliant with removing the unverified account Bankruptcy Discharged which has been deleted by XXXX  and XXXX. XXXX and XXXX  have both completed their research and determined that Bankruptcy Discharged was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2015-12-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Allied International Credit Corp., (US) (IL)

I reviewed my credit report and noted an open ( paid ) account for allied international credit union account # XXXX for original creditor XXXX XXXX that was dated placed for collection XXXX/XXXX/XXXX and full payment made XXXX/XXXX/XXXX. I remember an account that I had with XXXX XXXX XXXX, however, the dates were prior to XXXX. Therefore, I was disputing the dates and validity of this account in collections. After sending a letter certified on XXXX/XXXX/XXXX with delivery on XXXX/XXXX/XXXX, I received no response regarding the status of this account as of XXXX/XXXX/XXXX. I spoke with a representative on XXXX/XXXX/XXXX and was told that they no longer have a contract with XXXX XXXX XXXX and have no records of this account. I was told to refer to XXXX XXXX because records would be sent back to them for protection of my account after the termination of the contract. After speaking with XXXX XXXX XXXX on XXXX/XXXX/XXXX, they were not able to find a previous outstanding account with search of full name, address, social security number, and driver 's license number.
Consumer complaint received 2018-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (CA)

XXXX has been non-compliant with removing the unverified account SPRINGLF FIN which has been deleted by XXXX and XXXX. XXXX   and XXXX have both completed their research and determined that SPRINGLF FIN was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I previously disputed this account # XXXX with XXXX XXXX on ( 2 ) occassions over the last 9 months. I wrote to the creditor on XX/XX/XXXX as soon as I was aware that they were reporting an unknown account on my credit file ( see attachment # 1 copy of my letter ) I received no reply from the creditor therefore, I wrote a second letter on XX/XX/XXXX which is over the 45 days that they are required by law to respond ( see attachement # 2 copy of letter and certificate of mail receipt ) I received a reponse from the creditor on XX/XX/XXXXt where the creditor stated that the account was sold to XXXX XXXX and that is whom I am to contact. I contacted XXXX XXXX who proceed to take of the fraudulent account from my ( 3 ) bureau credit files ( see copy of letter received from  XXXX XXXX ) and had promised to make the ( 3 )  reporting bureaus aware On SXX/XX/XXXX I reviewed my credit files accessed from Trans Union ; XXXX and XXXX ( see attached copy of XXXX and Trans Union credit reports ) and to my suprise I see that XXXX XXXX have resumed reporting this fraudulent account although I have disputed it with the company it was sold to and now it back reporting inaccurately on my credit files. I have been a victim of Identity Theft and pursuant to the FDCPA and FCRA I exercise my rights to full validation of this account which must include a written agreement bearing my signature and identification you used to process and open this account be sent to me via the CFPB portal.
Consumer complaint received 2017-03-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Equitable Acceptance Corp (NC)

I have been making payments through equitable acceptance that was to be towards my loan for a debt consolidation. When I went to purchase a car, I was informed my tax return would be taken due to defaulted loans. I thought it was a mistake as I had been making monthly payments to student support through equitable acceptance on time since XX/XX/2016. When I called student support, I was told my case manager was not available and the supervisor was in a meeting and unable to help me. I asked for another supervisor and was given another phone number. I spoke to a supervisor, XXXX XXXX, who informed me my loans from XXXX were not included in the consolidation upon admission and therefore, had gone into default. She told me I had not completed a rehabilitation program and I had to go through another. I informed her I had been through a rehabilitation program in which she asked for the paperwork. I scanned the requested paperwork in and emailed it to her and she stated this should speed up the process so that my loans could get out of default and I could purchase the vehicle to transport to work. I have not heard anything else from Memory. I emailed her to update my telephone number and she said thank you. In the meanwhile, my credit score continues to go down, my tax return is to be taken this year even though I make payments monthly to this conpany who dropped the ball and now I have to suffer for it. I do not want this happening to any other professional as this supposed service appears to be deceitful to many hard working professionals. XXXX XXXX 's direct phone number is XXXX, her email is XXXXXXXXXXXX. There is no student support here and I really do n't want any other professionals being fooled into thinking they are helping and really are doing harm. Please help us.
Consumer complaint received 2018-09-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Offices of Crystal Moroney, P.C. (CA)

While checking my credit report, I noticed an XXXX report of allegedly returned check from XXXX reported by law office of Crystal Moroney located in New York. I contacted both XXXX and my bank and they do not have any record of the said debt. I tried to contact the law office of Crystal Moroney and their phone number does not even work. I believe this is a scam. I don't even use check to make purchases. I always use debit or credit card and so if I don't have the funds it will not be approved automatically. I think this law office is a scam.
Consumer complaint received 2017-01-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (TX)

The Credit Card Company did not do a investigation but only did a rubber stamp of questionable statements. FCRA says 7 years from the " first default '' which means when I could not use the account. Which for many of these accounts was a lot earlier than there so called write offs. If you ca n't use the company 's services, like cashing a check, using the lobby, for all intents and purposes you account is closed and in collection. These organizations tend to add a 5 to 7 year extra space of deliquency saying its open but you owe and are deliquent aka default. I have ask for them to look at the additional evidence of account activity to show whether the account was active. that was ignored. This is not an investigation especially since its not an impartial agency or has investigators with adequate training.
Consumer complaint received 2015-07-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (OR)

Equifax has my payment history wrong! This is making an impact on my score. They list me as paying 92 % of the time. The reason they say is because I have XXXX closed accounts for various reason, ( I.E. lost card, closed account ) all the accounts listed have XXXX balance but there is no payment history on the closed accounts, so Equifax has them listed as MISSED payments when in fact they are not. They give me a " VERY POOR '' payment history, this can prevent me from obtaining credit or force my interest rates higher. Their information is not the same as the other XXXX agencies that have it correct, NO MISSED PAYMENT 'S. My payment history is 100 % not 92 % as Equifax is telling prospective creditors!. They are perpetrating a lie and actually it is a slander to me personally. IF an agency can not verify a so called " fact '' it has to come off my report, not listed as a missed payments! I did not dispute with them because the credit agencies would rather help the creditors because they pay to report. They ( agencies ) do not make money from the consumer, hence the charges for a personal score or credit monitoring by the individual consumer.
Consumer complaint received 2022-02-16
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. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2023-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the fair Credit reporting act XXXX  account # XXXX XXXX and XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 section 602 A section 2 : it also states a cosumer reporting agency can not furnish an account without my written instructions