davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I notified on XX/XX/XXXX that my Federal Student Loans were forgiven as of XX/XX/XXXX. I received a letter from XXXX that the XXXX XXXX XXXX forgave my loans, contacted the credit bureaus before the end of XXXX XXXX. 

I reached out to Experian and XXXX. XXXX was corrected. XXXX has corrected, Experian is still working on it. I sent letter yesterday with all documentation that should arrive on XXXX  XX/XX/XXXX. Just got my updated XXXX bureau scores and my Student loan is still affecting my credit scores. Even though it was forgiven as of XX/XX/XXXX. 

I inquired to credit bureaus as to how my credit scores were higher with a balance of {$350000.00} on XX/XX/XXXX. My present scores are lower and my debt is now only {$5800.00}. 

My credit report reads : Excellent on all aspects. Except - The remaining balance on your mortgage or non-mortgage installment loans is relatively high. 51 % listed by Experian. 

The XXXX XXXX gave credit to the loan and forgiveness date was 18 months ago on XX/XX/XXXX. 

Credit Bureaus tell consumers we are using to much credit or not using enough. I use my cards and pay them off in full when the bill is due. Why is it held against me? 

Why if my loan is forgiven, is it still showing payments on my credit report up to and including XX/XX/XXXX?
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

I have been disputing this debt for months due to several inaccuracies. By law, correct and valid information should only be reported. 

This is in violation of codes : 15 USC 1681e ( b ) 15 USC 1681i ( 5 )
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

After sending numerous written requests, the fraudulent items listed below continue showing on my credit report, flagrantly violating federal law. The 3 Credit Bureaus have failed to adhere to the Fair Credit Reporting Act, 15 USC Sections 1681i, within the legally stipulated timeframe, continuing to report unconfirmed information. Given all my diligent attempts to rectify the situation directly with the creditor, this can be seen as a deliberate act of negligence and non-compliance with federal regulations. I kindly request the complete deletion of the following items from my Credit Reports : 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 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 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 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 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 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 2024-08-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (GA)

On XX/XX/2024 I retrieved my XXXX XXXX from XXXX in XXXX, XXXX. having been advised by XXXX  that I would not receive my car unless I paid the repair bill in addition to a rental car fee. This rental car was not issued to me, I did not contract for this car nor was I aware of this contract until a day or two before I was to get my car back. XXXX essentially extorted payment for this rental car from me by threatening not to return my car to me unless I paid {$1200.00} that I did not owe them. I paid, then disputed the charge expecting CITI Visa to investigate and correctly conclude that I was not a party to the rental agreement and therefore did not owe this fee. Unfortunately, CITI did nothing but rubber stamp XXXX  extortion of this fee. Supporting documents are included.
Consumer complaint received 2024-06-15
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : DEPTEDXXXX XXXXXXXX Balance Owed : {$570.00} DEPTEDXXXX XXXX Balance Owed : {$6000.00} XXXX  XXXX Balance Owed : {$8500.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$5500.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$7600.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$1200.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$1600.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$3700.00}
Consumer complaint received 2019-07-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LoanHero, Inc (LA)

I have initially wrote to remove this company however they keep reporting back to my credit. 
Summary of your complaint Complaint number : XXXX Date submitted to CFPB : XX/XX/2017 Date sent to company : XX/XX/2017 Product : Debt collectionIssue : Attempts to collect debt not owed
Consumer complaint received 2024-08-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (AL)

Citibank Costco VISA is overcharging me for the amounts of {$140.00} and {$310.00}. These are Citibank charges, not a merchant. Citibank applied these as " Reverse '' charges, but never had issued a temporary credit for these amounts. The {$140.00} charge was on my XXXX XXXX statement, and the {$310.00} charge was on my XXXX statement. I had a dispute case open, but Citibank stated it was resolved without removing these charges. They provided a letter with the statement of resolution that contained an audit report that clearly shows this is still an issue. In addition, their customer service is terrible. I have made nearly a dozen phone calls to their customer service number. Each time I must spend approximately 20 minutes explaining the situation. I have discovered these are agents that can only send a message to the billing center, they can not resolve anything. Their supervisors have no authority either. I have sent several letters and emails directly to the billing center and have never received a direct reply. I only received a letter that says the dispute is resolved, allowing me no opportunity to interact, explain, or question the process or results.
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I was informed by a few companies ( XXXX, XXXX XXXX, XXXX. ) that my account was denied due to information listed on Equifax, XXXX XXXX XXXX. Equifax, XXXX XXXX XXXX are XXXX XXXX not a credit bureaus. A credit score is not certified information and should not be used to establish credit. Per 15 U.S.C. 1681 - Equifax, XXXX XXXX XXXX is not correct in what they are doing. All 3 credit report agencies are selling my information, they are not confirming with me what is correct and are only allowing the companies to post negative items on my credit,
Consumer complaint received 2024-08-05
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A. (MI)

On XXXX, XXXX, I entered into a loan modification payment agreement with PNC over the phone. I was approved for this loan modification before I missed a payment and was told that it would not report negatively to my credit as long as I made the agreed upon payments on time. I did exactly this, however, it DID report negatively on my credit. 

I would not have entered into the payment agreement if I was told that the payments would be reported late. 

It is also showing a late payment on XX/XX/XXXX. This payment was also made on time : XX/XX/XXXX PNC MORTGAGE XXXX XXXX PNC XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$2300.00}
Consumer complaint received 2024-06-05
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. (NY)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy.
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my XXXX endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance Owed : {$17000.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

XXXX loans amounts not correct, each credit bureau is reporting a different amount. When I asked for it to be removed from my credit report only Equifax honored my request. I would like for student loan information to be removed from all of the credit bureaus.
Consumer complaint received 2024-08-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (FL)

I have been paying my mortgage since 2014. Recently i changed my banking institution and updated the new info in the NewRez portal. For some reason, the update did not work on their systems, and I was not notified. They reverted to my old information and tried to draft payment from my old account. This caused an NSF fee from both sides ( my old bank and NewRez ). Not only did it cost me money, but now, if I try to set up the autopay option, they will not let me do it. I have to make 6 payments in a row in order to " deserve '' autopay. It has been proven by academics and the industry in general that having an autopayment setup decreases the risk of missing payments ( some banks even promote it with lower interest rates ). I think this new restriction from NewRez is designed to increase the chances of missing future payments from low risk customers. I think they do it on purpose to get more NSF fees and boost earnings.
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX : # # # # # # # XXXX, XXXX XXXX XXXX, I : # xxxxx XXXX, XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX : # xxxxxxxxxxxx XXXX, XXXX XXXX XXXX  XXXX XXXX : # xxxxxxxxxxxx XXXX, XXXX XXXX XXXX  XXXX XXXX : # xxxxxxxxxxxx XXXX, XXXX XXXX  : # xxxxxxxxxxxx XXXX, XXXX XXXX XXXX : # xxxxxxxxxxxx XXXX, XXXX XXXX XXXX : # xxxxxx XXXX, XXXX XXXX XXXX : # xxxxxx XXXX, XXXX : # xxxxxxxxxxxx XXXX, XXXX  : # xxxxxxxxxxxx XXXX, XXXX XXXX XXXX XXXX XXXX XXXX xxxxxxxxxxxx XXXX, XXXX XXXX XXXX XXXX XXXX XXXX xxxxxxxxxxxx XXXXXXXX XXXX XXXX # xxxxxx XXXX, has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) 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. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$2600.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my follow up to express my dissatisfaction and file a complaint regarding the recent attempt to remove fraudulent items from my account. I believe that the process undertaken to rectify the situation has been unsatisfactory and warrants further attention. I expected a swift and effective resolution, but the process has been marred by incomplete information. Additionally, I am concerned about the lack of transparency in the communication throughout this ordeal. Timely updates and clear information regarding the steps being taken to rectify the situation would have greatly alleviated my anxiety. Unfortunately, the information provided has been insufficient, leaving me in the dark about the progress of the investigation. I am requesting a thorough review of the handling of my case and a comprehensive explanation of the steps taken to address the fraudulent transactions. Furthermore, I insist on a detailed plan outlining how your institution intends to prevent such incidents in the future. I am asking for your assistance to remove these fraud items : XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$320.00} ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$320.00} ; XXXX XX/XX/XXXX.
Consumer complaint received 2019-07-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (NV)

I had two accounts with Wells Fargo - one business, the other personal - opened in XX/XX/XXXX and they closed both in XX/XX/XXXX. I do not remember exact dates as this was a couple of years ago. When they closed the accounts, my money was returned to me and I inquired as to why they closed the accounts, to which the answer was, " We don't have to tell you. '' After arguing and getting nowhere, I just left it alone, until recently, as I'm having a hard time getting a business account. I'm just wondering what's causing this and no one seems to want to inform me or even have any information themselves. I visited a Wells Fargo branch onXX/XX/XXXXXX/XX/XXXX, where they had to call the back office, and still got nothing. Any assistance in this matter would be greatly appreciated. Thank you.
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

This is my new complaint that I was the victim of faulty credit reporting. Per Fair Credit Reporting Act Section 605B ( a ) you are requiring to remove any items which was opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items need to be removed as they are inaccurate : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed XXXX {$4200.00} XXXX  XXXX Balance Owed : {$15000.00} XXXXXXXX XXXX XXXX  XX/XX/XXXX -- -- -- -- -- -- -- -Equifax : XXXX XXXX Balance Owed : {$4200.00} XXXX XXXX Balance Owed : {$27000.00} XXXX XXXX  XXXX Balance Owed : {$27000.00} -- -- -- -- -- -- -- -XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$4200.00} XXXX  XXXX Balance Owed : {$15000.00} XXXX XXXXXX/XX/XXXX. 
If you claim these items are XXXX % accurate and verifiable, then I need you to provide me with copies of any documentation associated with these items which bear my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these items from my file. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to remove these items I will be referring this matter to my attorney for further action. Please do not make this a port litigious matter Please note that you have XXXX business days to remove the reporting of any items in my credit file that resulted from an incorrect credit reporting. I do not consent to XXXX or any means of automated verification.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I check my check report and some school called XXXX XXXX charged me {$4100.00}. This is the second time someone has Fraudulently use my information to attend the school. I have told them numerous times I have my degree. I do not need to attend the school for XXXX XXXX. I have filed a police report. Also, when this occurred, I was in the hospital for XXXX XXXX getting a XXXX  so the furthest from my mind was attending college, I checked my bank account and saw fraudulent charges and the bank reversed them.
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

If you look at my previous complaints. I've always stated that my credit will drop 30+ points for no reason once I get about 800 score. Now I have proof! Casual usage and excellent payment history will drop my score XXXX points which is inconceivable. 

My credit score DROPPED XXXX POINTS because my usage went from XXXX to XXXX. 

Respectfully,