davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-03
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. (GA)

On XXXX, XXXX and Equifax XXXX XXXX  Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$1900.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX XXXX XXXX  Secured Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$120.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$700.00}. The original creditor is XXXX XXXX XXXX  XXXX XXXX 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account.

Collection account from XXXX XXXX with account # XXXX and a balance of XXXX XXXX.The original creditor is XXXX XXXX XXXX XXXX.I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Collection account from XXXX XXXX with account # XXXX and a balance of {$980.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX XXXX. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Consumer complaint received 2021-08-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EMCC Holdings, LLC (FL)

I would like to file a complaint against Equiant Financial Svcs. I am being harassed with phone calls while they're using a different name, they disguise their identity as XXXX XXXX. Also, I only agreed to in house financing and not third party loans. My personal information were sold to this 3rd party company that opened an account under my name without my consent. My personal information has been breached. I never gave authorization & never had proper notification that this Equiant Financial is going to be collecting payments and/or reporting them. They are harassing me with phone calls to collect money but they're using a different name, under XXXX XXXX. I am submitting this complaint for abuse and deception of identity. They are violating FDCPA by harassing phone calls while using a different name.
Consumer complaint received 2023-04-11
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. (CO)

Paid in full in XX/XX/XXXX, and XXXX XXXX has been reporting since that I have a high balance of {$490.00} on the card every month to XXXX and Equifax. This is not correct, and is lowering my credit score by almost one hundred points. They refuse to take any action via phone, leaving only the option to send a letter, which I have done as of XX/XX/XXXX.
Consumer complaint received 2019-08-16
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (PA)

I have Paypal Credit Issued through synchrony bank.  I was approved for a XXXX  dollar limit.  I have good credit and have not missed any payments.  I still have XXXX dollars of credit left on my card but it is not allowed to be used online for any purchases now.  When I log in to PayPal to make my payment; the credit is not available.  I have tried for two weeks to resolve with the company. They give the same story every time.  First, they pass you between 3 teams to verify there are no blocks on the account or issues on their end.  Then after they verify all that; they say some merchants don't accept PayPal credit and it's on their end.  The merchants I'm trying to buy from; I have purchased from in the past with PayPal.  Merchants like Walmart, XXXX; known companies.  I'm, not the only person having this exact same issue.  If you go to this link; (XXXX)  there are thousands of people saying the same exact thing and having the same experience and response from the company.  Dating back to XX/XX/2017 to now.   This company ran my credit which DIRECTLY impacts my score just for checking.  They approved me and now deny me the use of the card.  I could of went with another card that does not do this.  The thing that is most frustrating is them always saying "Its not us, we want you to use our card" .  Paypal credit is a scam, they should not be allowed to run your credit and appove you for a certain amount but then let you use it as they see fit
Consumer complaint received 2021-08-04
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX, XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2023-04-11
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. (FL)

Equifax is using inaccurate information and reporting illegal items to my credit report. 

YOUR COMPANY IS IN CLEAR VIOLATION OF THE LAW. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATE ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report CLEARLY STATES : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; DELETE THE ABOVE LATE PAYMENTS FROM MY CONSUMER REPORT, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account ( s ), and sending out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2019-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BB&T CORPORATION (FL)

XXXX I opened a loan account with Sheffield financial while on XXXX XXXX for the military. Around XXXX I was removed from my home due to a divorce issue and was allowed back into my house on or around XXXX during this time I didn't have access to any of my personal belongings and was not allowed within 100ft of my home after returning home I quickly called Sheffield financial to fix my account status with them on XXXX. A promise and an agreement were made over the phone that my account would return back to normal after I made a large payment to the company with a total of {$720.00}. With this agreement being made I paid in full the amount of {$720.00}. After continually receiving monthly statements in the mail over the course of several years and after quite a large number of life changes I check my credit score and found out the company never fixed my account and continued to send me monthly statements in the mail. I have contacted the company on a lot of occasions trying to find answers after being lead on a while goose chase for quite a long time I was automatically forward to the collections department. The last to individuals I had contact was a woman named XXXX, XXXX which then finally forward me to a supervisor after several emails back and forth. The supervisor named XXXX, XXXX didn't even look into the matter he just downright denied any actions or promises made by the company or individuals i then had to beg the gentleman for a copy of my payment history. After contacting several lawyers within my area they said that it would be in the best interest of my case in order to try and resolve this matter privately first. I would like to resolve this with the company before i proceed with any other further actions. I would just like the company to switch my credit back to regular account status as promised and the correct monthly payment history corrected on my credit report.
Consumer complaint received 2021-08-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Business Bureau (FL)

This debt collector is Medical business bureau. I did not receive a right to dispute letter from this debt collector and I did not receive enough information to validate the debt. The debt notice I received from this collector indicated a series of debts totaling {$2700.00}. 
I sent them a letter by certified mail requesting more information and also validation of the debt. The letter I sent to them was via USPS certified mail dated XX/XX/2021 and I have proof that the USPS delivered the letter to them on XX/XX/2021. The proof is attached to this complaint. 

However to date I have not received any response from Medical business bureau and they have not validated the alleged debt. Today XX/XX/2021 makes it a total of 50 days since the letter requesting validation of debt was delivered to them by the United States Postal Service.
Consumer complaint received 2021-08-03
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. (CA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-08-04
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. (PA)

Dear CFB, I sent my second letter to TransUnion by certified mail regarding a public record ( USBK Court N.J. docket no. XXXX ) that is listed on my credit report. TransUnion sent me a letter that stated they verified that this incorrect item is mine but they did not tell how they verified it. FCRA 623 ( a ) ( 5 ) states if they can't verify this item with the Original Creditor, they must remove it from the credit file. I contacted USBK Court in NJ and they sent me a letter saying that they don't share information with credit bureaus or 3rd party organizations according to Federal and local law, BR 9037-1 ( a ) ( b ). Attached you will find my letter along with the certified mail slip and the letter from the Bk Court in NJ. I need TransUnion to remove this in accurate item from my report.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX. XXXX Balance : {$6400.00} XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (NY)

On XX/XX/year> at around XXXX XXXX I tried to log into my Equifax account at https : //my.equifax.com/. After submitting my correct email and password I was denied to my account and was asked to call their number : XXXX XXXX XXXX XXXX After calling this number and submitting my correct information I was told that my identity wasn't verified. I stayed on the line to be connected with an agent. I've been trying to reach them via phone and I'm still waiting. This is ridiculous. I'm forced to use this company because I had to freeze my credit due to their own data breach. Now I need to unfreeze my account and I have no way to do it because their systems don't work and their agents are not answering calls.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2021-08-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (WI)

Recently, we have applied for a mortgage with Navy Federal Credit Union. The loan officer did not communicate with us at all until we called NFCU. She was unfriendly from the moment we were on the phone ( all phone calls are recorded and should be available for a review ).

We have requested a rush appraisal order. However, the appraisal has delayed unreasonably. We would like to have some evidence ( email, fax, phone calls ) that could prove the loan officer has communicated with the appraisal company and put a rush appraisal order on time.

Since the appraiser has completed the job on XX/XX/XXXX, it did not make sense to have more than a month delay in the appraisal report.

Another issue occurred exactly three days before our closing date ( XX/XX/XXXX ). The underwriter addressed an alert regarding SSN in my wife 's credit report, requested an SSA form, and suspended her for a fraud. 
My wife received her SSN after graduation ( issued on XX/XX/XXXX ) and started her OPT. Also, she received her XXXX XXXX from the XXXX. We strongly believe considering a wrong alert from a credit report company over the XXXX clearance process is controversial. 
In addition, the underwriter asked for a XXXX XXXX renewal from my wife as the underwriter did not have enough knowledge about the US immigration laws and system.

Interestingly, the underwriter had weird document requests during the process such as remote work authorization from my wifes company during the pandemic that most of us work/worked remotely including the NFCU staffs.

Yesterday, the supervisor explained that the underwriter and the department followed the guidelines. We have kindly requested a copy of the guidelines for our review. However, the supervisor declined to provide the document.

We would like CFPB to receive and review the guidelines regarding SSN and XXXX XXXX renewal in NFCU mortgage processing. 
The loan officer, her supervisor, and the underwriter hurt our dignity and put too much pressure on us. Our dignity is priceless and is worth more than the mortgage amount ( XXXX, with XXXX DP ). The NFCU staffs mentioned above hurt our dignity nonstop since we applied for the mortgage by delaying, mistreating, and asking for unreasonable documents. 
We have been patient enough until NFCU suspended my wife and our baby as a fraud which is unacceptable under the flag of the United States. 
We sincerely request to receive the documents mentioned above to prove that the mortgage application has been processed fairly and thoroughly.
Consumer complaint received 2023-04-11
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: Experian Information Solutions Inc. (MD)

XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Explanation : To my knowledge, these multiple inquiries were unauthorized. I would like to be provided proof that I consented to these inquiries via FCRA section 609 and 605 as well as their accuracy per FCRA section 623. If you have no proof immediately of any or onXXXX, I would like it removed immediately. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Consumer complaint received 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

Please remove fraudulent accounts and hard inquiries off my credit file from XXXX, Equifax, XXXX XXXX immediately. 

XXXX ( FINANCE ) XXXX XXXX XXXX ( FINANCE ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-16
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. (IL)

Equifax ; XXXX  and XXXX  are reporting incorrectly a ( 30 ) day late on the XXXX XXXX partial account number XXXX. ( Please see page 4 of my credit report attached. ) I normally receive a paper statement each month on this account delivered by US mail. I never received a statement. When I realized I never received this bill, I immediately paid it. The payment was made on time, however XXXX XXXX did not apply this payment in a timely manner. They have now zinged me with a late payment. This incorrect reporting is harming my credit score and this late needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.