davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I have attempted to correct the first date of delinquency with all of the credit reporting agencies, including XXXX and have provided the corroborating documentation from XXXX as evidence. 
I spoke with XXXX and requested the first date of delinquency and payment history because the credit reporting agencies are reporting that the first date of delinquency is reporting correctly. 
I spoke with an Equifax representative and had him review the date of first delinquency as reported on the current report and he observed the date reported in the payment history but also observed a different date in the section that would have it removed in the 7 year history for removal. The representative informed me that it appears that the system is picking up the latest date of first delinquency not the actual date of first delinquency. 
I am providing a copy of my Equifax credit report dated XX/XX/XXXX showing the date of first delinquency as XX/XX/XXXX and the XXXX-month payment history which shows XX/XX/XXXX and XX/XX/XXXX as 60 days late. 
I am also providing a copy of the letter from XXXX which states the month reported as delinquent as XX/XX/XXXX through XX/XX/XXXX, XX/XX/XXXX through XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX through XX/XX/XXXX. 
I believe that the computer program that Equifax utilizes is only picking up the date of the latest first delinquency not the actual date of first delinquency. As you can see, I attempted to save this property and made payments which is why all of these dates start over.
Consumer complaint received 2019-10-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (LA)

Waypoint assumed a debt of {$36.00} ; a debt I knew nothing of until XX/XX/2019. I did not have a XXXX account on the dates claimed. I moved away from a XXXX service area a long time ago ( before the dates mentioned ). This debt is a grievous error ; the fact I was not living in this area, using XXXX services is incontrovertible evidence that I could not have accrued this debt. Furthermore, if waypointXXXX cared to investigate, I am sure, the companies will find no payment by me on this false account. If this account exists and was made in my name, I am sure someone else was paying for the service. Please provide me my signature assuming this debt, the contract I made, the legal right Waypoint has to collect, any burden of proof that I have any legal obligation to this debt, the breakdown of the fees assessed, and proof of the legal right to collect in my state. 

I demand the immediate deletion of this record from all credit bureaus. 

I am a XXXX veteran, trying to buy my first home, when this collection of {$36.00} popped up out of nowhere. I would not have ruined my credit for {$36.00} .... All I have is my credit, and this company destroyed it for {$36.00} dollars I do not owe. 

I have attached a long term lease in the state I live, a state that does not even have XXXX.
Consumer complaint received 2023-11-27
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: SANTANDER HOLDINGS USA, INC. (NJ)

My credit has been run multiple time by unauthorized companies that I don't have no relationship with. 5 times on the same date which XX/XX/2023 ( XXXX XXXX XXXX XXXX Santander consumer )
Consumer complaint received 2024-03-09
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: EQUIFAX, INC. (MD)

I have noticed some unauthorized and fraudulent inquiries on my credit report. 

XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
Consumer complaint received 2019-10-18
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)

Equifax and XXXX  are reporting incorrectly that I am ( 30 ) days past due on the XXXX partial account number  XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2019-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

I apparently was in default back in XX/XX/XXXX and XX/XX/XXXX, and before I became aware of the default my student loans were once again transferred to another company and I didn't have any clue who my new creditor was. I barely found out about my new creditor was Navient and the default on XX/XX/XXXX. Also on a side note my loans were suppose to be in deferment since I was a full time XXXX. I then called Navient to discuss the 6, 120 day late payments on my credit report. They said I was obligated to pay even though my deferment should have rolled out until XX/XX/XXXX. I told them I did take the summer off of school but starting in the fall I would be back in school at least half time, so my loans would go back in deferment. One lady from Navient then told me that once the school sent there information to them I would be placed in deferment and the deferment would be back dated to the month I became in default and the late payments would be removed. One month later Navient received the information from the school and my loans were put into deferment. After checking my credit report I saw the late payment status/derogatory still as my status on my credit report. I spoke with another Navient representative about how can I remove the late payments so my credit score wouldn't be damaged since I was trying to buy a house. She informed me that since I was in deferment the late payments would no longer be in effect but they report at the end of each month to the credit bureaus so it just hadn't been updated. I called again a month later and spoke with another representative and asked her how much do I need to pay to get the late payments removed from my credit report, she told me I do not owe anything and the late payments had already been processed so she couldn't do anything about it. Which I waited two months from being told by a representative that they would come off to being told I couldn't pay the over due amount I owed to remove the late payments. I have never heard of a creditor refusing to take payment that was around {$850.00} to help pay off the overdue balance and fees that I owed. I do not feel that I was ever informed properly about my student loans and the policy of deferment for a student that has to have a half time or full time XXXX status to qualify for deferment.
Consumer complaint received 2015-04-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

In XXXX I realized I was XXXX. I applied for XXXX, and then I applied for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, when I was needing help. I was successful in receiving XXXX XXXX XXXX, but, was not successful with XXXX 's XXXX XXXX. XXXX started to make negative postings on my credit. Missed payments of late payments. I was able to catch up with payments with XXXX, but in XXXX XXXX, when I made my last payment to XXXX card service, that was never posted on my credit report. It started to show that I was late with XXXX payment by XXXX then XXXX days. Then, XXXX sent me a letter offering to let me reapply for XXXX XXXX XXXX, I did, and sent a copy of my XXXX award letter, along with proof I had been working at that time, and a Doctor 's signature and DX. Then, I got a letter saying that I was approved for XXXX XXXX XXXX, for XXXX forward and not XXXX forward, ( date XXXX found me XXXX ). Ok, great. I got a check for " fees '' for {$910.00} from XXXX XXXX XXXX, but, no changes on my credit report. Next, XXXX sends me email saying I was not responding to an earlier email, ( which I did not receive ) but because XXXX had closed my credit card in XXXX, I could not access the system. I called XXXX, and a woman said she could fix the credit reporting, but, pushed me to accept ro-bo callings. My credit has still not been fixed. 
I am trying to buy a house and lower my monthly expenses, but XXXX 's years of bad credit reporting has my credit score in the XXXX 's. How can I fix that?
Consumer complaint received 2017-11-06
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: Experian Information Solutions Inc. (LA)

I have contacted the creditors and the credit Bureaus of several attempts, about 2 accounts report on my file. I have know knowledge of these accounts and they are fraudulent accounts. I would like the accounts to be investigated and if verified, I would like the verified information sent to me. The name of the accounts are XXXX account number XXXX, and XXXX XXXX account number XXXX
Consumer complaint received 2023-11-27
Product: Credit card — Store credit 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. (MA)

I got a homedepot consumer credit card and never made a purchase. On XX/XX/XXXX someone charge the card for over XXXX dollars of stuff and I was not aware of it so only took notice when my statement balance was over XXXX dollars in XXXX. I filed a dispute as soon as i was aware and it was with 30 days also I filed a police report with the XXXX police department. Citi found me responsible without asking any questions of me. I called XXXX times filed supporting documents and had been told some named XXXX manually entered my card in store. I find this incompetent and it is harming my credit score.
Consumer complaint received 2019-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (SC)

Yes I went to XXXX on XX/XX/2019 on XXXX XXXX in XXXX South Carolina I spoke with I gentleman by the name of Mr. XXXX I gave him permission to do a credit check for me I went back to XXXX on XX/XX/2019 I spoke to a young lady by the name of XXXX I did not give her permission to do a run a credit check on me she told me she was just gon na check in with System and see what I was approved for when I cant then on XX/XX/XXXX but they did she simply told me that She was not going to run a credit but she did I got hard inquiry from this credit report can yall please help me to get this off
Consumer complaint received 2019-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

I paid off a creditor in XX/XX/2019, on transunion it is still listed as a derogatory remark. Only transunion is late in clearing this remark. 

The Company I paid was XXXX XXXX, XXXX / original debt. owed to XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-18
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. (PA)

At XXXX XXXX I received a email from my XXXX XXXX XXXX informing me that may credit limit was being reduced from {$6600.00}. to {$500.00}. because of a report from a consumer reporting agency, which indicates that I have a " substantial number of debts owed other creditors ''. I contacted customer service at the card company and they informed me that Equifax provided the information. I obtained a credit report from Equifax and see that my report is clean and free of any debt. 

I tried to file a dispute with Equifax using their internet format for over two ( 2 ) hours and was consistently timed out. The information provided to XXXX, by Equifax is at the very least inaccurate and has had an adverse affect on my credit. 

I have gone to great lengths in my lifetime to protect my credit and have no debt on a monthly basis other than my utilities and credit card purchases.
Consumer complaint received 2023-07-03
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SN SERVICING CORPORATION (CA)

My primary mortgae company SN Servicing Corporation at XXXX XXXX XXXX, XXXX, Ca XXXX has refused to report my mortgage payments-history to credit companies. I spoke to my account representive XXXX XXXX XXXX about three weeks ago and he advised me that he is required to speak to his supervisor regarding this issue. His superviser phoned me and advised me that it is not their company policy to report any mortgage payments to credit companies if a client has filed for a bankruptcy. I explained to this represtative that my bankruptcy ( court case number XXXX ) has been court ordered discharge on XX/XX/09. I requested that this supervisor provide me with a letter of confirmation of our discussion regarding the fact that because I filed for XXXX her company ( SNSC ) is not responsible for reporting my payment history to all major credit bureaus. She refused to repond to my request and advised me that she is required to speak with an in house counsel on this issue. A few days went by and I contacted my financial advisor and he called and spoke to XXXX XXXX XXXX and requested that I provide a Request and Consent to Provide Account Information to Authorized Third Party. Again we complied and waited to no avial. My financial advisor suggest we give SN Servicing Corporation several business days to respond. My financial advisor has since sent a follow up email request and as of today I have not heard a single response from XXXX XXXX XXXX or his supervisor on this issue. No phone call, no letter not a single response. My situation is I am attempting to re-finance my property prior to any more interest rate increases and with no mortgage history being reported by SNSC my efforts to refinance are prejudiced.

My concern is being that I filed and completed all governmental and court issued regulations to sucessfully have my Bankruptcy discharged and I am to be punished for filing a XXXX by SNSC not reporting my payment history? thereby encroaching my ability to fairly obtain a refinance? I am deeply concerned of this situation and SNSC 's position on this issue seems to me highly unfair and also an extreme prejudice towards my quality of life and my Credit Score Standing.

Any assistance in this matter would be grately appreciated. I have do I need to consult with any attorney? 

Thank you, XXXX XXXX
Consumer complaint received 2019-10-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY (OH)

I purchased a bluebird card at XXXX. I paid a XXXX dollars service fee for this card. The instructions indicated was to register the card online at bluebird 's website. Upon attempting to register it. I was unable to register this card online so I spoke with bluebird support. They told me the card can not be registered and was ineligible to be registered. I inquired with them how to get a refund for the XXXX dollars service fee I paid. They instructed me to go back to XXXX where I purchased a card to obtain a refund. I went to XXXX and they refused to refund the money. They said prepaid debit cards are nonrefundable. Bluebird is  advertising a product that is sold through XXXX. Because I'm unable to register at this product is defective and I want a refund of the service fee I paid. XXXX will not give me a refund neither will XXXX.
Consumer complaint received 2024-03-09
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: EQUIFAX, INC. (MD)

I have noticed some unauthorized and fraudulent inquiries on my credit report. 


XXXX XXXX XXXX XX/XX/ 2022 The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
Consumer complaint received 2019-10-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

XXXX claimed some years ago that I owe over {$1000.00} yet was unable explain why. I had the incorrect information removed from my credit report with both bureaus years ago. Now random debt collection companies are putting this account back on my credit report. This has prevented me from purchasing a home, borrowing money at reasonable rates, etc. 

Equifax 's website shows pending investigations which have been allegedly completed, only electronically. After over an hour on the phone and 3 supervisors later, nobody was willing to acknowledge the logic behind previously removed information from a successful dispute should not be allowed back onto my credit report.

A credit bureau that has suffered one of the largest data breaches in the world, who also can not provide accurate information, and gives customers the run-around on the phone should not be allowed to materially harm people 's lives like this. 

Incorrect information should not be allowed back onto credit reports after a successful dispute.
Consumer complaint received 2019-10-18
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (WI)

Professional bureau of collections of Maryland has been trying to collect on items that have been discharged in a bankruptcy and closed. They constantly call me and have forced me into an agreement I did not want to sign as they stated this was the only way I could go back to school which is not true at all. They are trying to get me to pay XXXX and have been threatening and trying to intimidate me saying things like well we can just take you off and you won't be able to go to school. They are predators and should be fine and or closed. They are extremely aggressive and had I not known that I had the fair debt collection act on my side I would be terrified.
Consumer complaint received 2017-11-06
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (CT)

My Slate Chase account ending in XXXX was re-billed in the amount of XXXX, a purchase from XXXX XXXX store XXXX XXXX, CA. As I stated in dispute and again here, the package shows delivered on XXXX, signed for by a XXXX XXXX. I was not at home on this date and no one by the name, XXXX XXXX, lives at my address. I also stated that this transaction/order was canceled by myself prior but the store has a no refund policy and ignored my request to cancel. Please advise Chase that I refuse to pay for this purchase and needs to be credited off my account, this transaction is causing the account to be over-limit.
Consumer complaint received 2019-10-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (VA)

I have disputed with a collection agency by the name of Convergent Outsource stating an inaccurate entry of an account on my credit report by their company. They have made a claim stating that I owe the amount of {$1200.00} which I do not. 

I have reached out to them on XX/XX/2019 and XX/XX/2019 requesting again to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately and that I have an obligation to pay them. They have failed to submit any contractual agreement with my signature with Convergent Outsource. As per the FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. 

According to FCRA & FDCPA, it is in violation to report any inaccuracy on a consumer credit report if there is no validation of the debt, they must request that all crediting reporting agencies delete the entry. 

I am again formally requesting a copy of any documents, bearing my signature, showing that I have legally binding contractual obligation to pay you the alleged amount. 

Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting.
Consumer complaint received 2017-06-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (NY)

Citibank Exe Response Unit has sent me a copy of a falsified closing of a Heloc loan for XXXX XXXX XXXX XXXX.  The document was never seen by me before Citibank supplied it by email XX/XX/XXXX and has a signature for me fromXX/XX/XXXX but was not signed by me.
The document does not accord with the requirements of the Heloc department which has told me that they do not ask for social security numbers.
The document datedXX/XX/XXXX requests that the account be closed immediately Citibank variable rate account source sent by Exe Response shows the account open throughXX/XX/XXXX. I have supplied the document to the Citibank Heloc department attn XXXX ( supervisor ) for verification.
In XX/XX/XXXXper a letter of authorization Citibank was to produce all my documents to me.They failed to produce the mortgage for XXXX XXXX XXXX XXXX NY XXXX I have repeatedly requested these documents and have been told that they are not in their computer. I would like a copy of all mortgage documents including the closing and any loans.
This complaint is related to the complaint you investigated per the letter from the Attorney General concerning the false POA documents to XXXX XXXX  and several other lawyers used without my knowledge on Citibank mortgages.