davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-18
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. (TX)

The following fraudulent inquiries on my Equifax report were the results of identity theft. I sent police report, FTC complaint, and 609 letter demanding said fraudulent inquiries be verified or removed pursuant to fdcpa and fcra. Also that I be sent copies of the verification ( XXXX law XXXX ) for my review. Equifax failed or refused to verify any of the fraudulent inquiries or provide me verification as requested but they continue to report this fraudulent and inaccurate information which is adversely affecting me and my attempts to recover from identity theft! Please have Equifax to provide the verification and party who verified the fraudulent inquiries on my report or remove them immediately. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2022-03-18
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)

Hi I am submitting this XXXX XXXX XXXX this isn't 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 719XXXX has me at a score around 590. 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 4 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now
Consumer complaint received 2019-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: MoneyLion Inc. (NY)

XX/XX/XXXX I signed up for moneylion plus where they would give you {$500.00} loan and you are to pay it back on a set schedule to enhance your credit report. They are to release a portion of the {$500.00} to you and when I was approved and granted {$75.00} from it online yet, I never received it. They said they sent me a debit card to retrieve the funds and I never received that either. The app says you can add your bank to it to receive the funds but their app does not work properly. I called them and nobody answers the line, I left emails ( tickets ) and its an automated response that doesnt help. I asked to cancel it and was told I can by the automated response. I was told they would mail the debit card out again and once again no debit card. Here I am being held accountable for a loan I never got. Now on XX/XX/XXXX they deducted {$9.00} from my ACH bank account and I still never received the funds. I have called them requested a callback from XX/XX/XXXX and still no callback. I think this is a scamming company and I want them off of my bank account, cancel my membership and leave me alone. It is not fair to me im paying them for nothing, I didnt receive a {$1.00} from them and they are aware of it because its still sitting there untouched. Please help me and sadly I seen many posts like mine on XXXX on XXXX and its time for the government to go after MoneyLion because this is theft.
Consumer complaint received 2021-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Phoenix Financial Services LLC (FL)

According to my most recent credit report there is a new negative remark from Phoenix Financial Services. This is an old account paid off in 2019. There should not be any collection of a debt that is settled. I tried to dispute this as this is an error from XXXX as they were the firm with power of attorney that settled it. XXXX did nothing to resolve this issue. Please see attached documents for proof of settlement and please remove the negative judgement that is unfairly placed in my credit report.
Consumer complaint received 2020-09-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (SC)

Opened a checking account on XX/XX/XXXX with a {$300.00} sign up bonus. Met the terms of the bonus and never received the {$300.00}. I've called US Bank 16 times over the last 3 months and spoken to 7 managers. They ALL agreed that I met the requirements of the sign up bonus but said there was nothing they could do to help and no further way to escalate the issue. 
I've recorded most of the phone calls including the one where I opened the account with a US Bank representative over the phone.
Consumer complaint received 2019-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I had previously complained to Equifax, on XX/XX/2019, about a fraudulent/erroneous address of XXXX XXXX XXXX appearing on my credit report. Equifax refused to remove it by simply ignoring my letter of complaint. 
FIRST COMPLAINT to CFPB ... ( Equifax took 58 days to respond. ) On XX/XX/2019, I submitted a complaint to the CFPB concerning this fraudulent/erroneous address of XXXX XXXX XXXX and Equifax responded on XX/XX/2019 by stating that the address of XXXX XXXX   XXXX had been DELETED ... ..Equifax LIED XXXX .They NEVER DELETED the fraudulent/erroneous address of XXXX XXXX XXXX and the address WAS STILL ON MY CREDIT REPORT. 
SECOND COMPLAINT to CFPB ... ( Equifax took 55 days to respond. ) On XX/XX/2019, I once again filed a complaint with the CFPB concerning this fraudulent/erroneous address of XXXX XXXX XXXX STILL appearing on my credit report. On XXXX XXXX, 2019, Equifax responded by once again stating that the disputed address of XXXX XXXX XXXX had been deleted. Equifax also stated that If you have any additional questions or concerns in regards to the updates made to your Equifax Credit Report, please refer to the mailed revised copy. 
This is my THIRD complaint to CFPB about this issue with Equifax. 
Equifax has once again LIED as I have never received a revised copy of my Equifax Credit Report and it has already been 10 days since they said they mailed one. Without a copy of the revised credit report, I have no way of knowing if the fraudulent/erroneous address of XXXX XXXX XXXX has actually been deleted or not. 
Equifax is in serious need of government regulation as they repeated lie and repeatedly, and unnecessarily, delay their responses until their 60 day deadline has nearly expired. This particular complaint has been continuing since my first letter of complaint on XX/XX/2019 ... almost 6 months!!
Consumer complaint received 2019-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

I received a copy of my credit report and found the following item to be incorrect. I did go to the hospital and get this service. However i had insurance to cover the entire bill gave them the card as well. I provided my insurance card but somehow my credit report showing a collection from this account. They didn't properly handle my payment with the insurance card and made a huge mistake which is hindering my credit worthiness. I still have this same insurance as of today. They didn't bill the insurance company at all. I know i do not owe nothing because my insurance covers 100 % of everything medical.
Consumer complaint received 2019-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I received a copy of my credit report and found the following item to be incorrect. I did go to the hospital and get this service. However i had insurance to cover the entire bill gave them the card as well. I provided my insurance card but somehow my credit report showing a collection from this account. They didn't properly handle my payment with the insurance card and made a huge mistake which is hindering my credit worthiness. I still have this same insurance as of today. They didn't bill the insurance company at all. I know i do not owe nothing because my insurance covers 100 % of everything medical.
Consumer complaint received 2018-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I was recently decline for a credit application. I was going over my file seen addresses that are not mine on my file.My name is XXXX XXXX XXXX. XXXX XXXX is NOT my name please remove any varitions. My current address is XXXX XXXX XXXX XXXX OH XXXX. I have attached a copy of my IRS letter as proof of my address. 
The follow addresses are not mine please delete them they are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have two account the I have never done business with on my report as well XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX Please delete these items they are not mines. I have no record of doing busness with them.
Consumer complaint received 2019-09-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (OH)

I have always paid my student loans on time. In XX/XX/XXXX I paid my loan and rounded it up to {$110.00}, the next month the lender said I owed {$110.00}, which I paid. My regular payment was {$110.00} a difference of {$.00}. The same thing in XXXX of XXXX I rounded my payment to {$180.00} the next month I paid what I was told to pay which was {$180.00}. My payment amount was {$180.00} a difference of {$.00}. Now I am being told my payments made in XXXX of XXXX and XXXX of XXXX will not count towards my loan forgiveness because they were not a full payments. They are saying I am on a paid ahead program which was part of my promissory note. No one ever said that this status would result in payments not counting towards my PSLF. I had not even signed up for the program then, although I was a XXXX  employee. I was told by FedLoan Servicing the law was changed regarding the way a payment is made if you are part of PSLF, but my payments were prior to the law change so they will not count. 
They also said Pay Ahead is any extra payments made prior to 30 days from the due date. My due date is the XXXX of each month and the extra {$.00} was effective on XX/XX/XXXX-less than 30 days from the XX/XX/XXXX due date and the extra {$.00} was made on XX/XX/XXXX also less than 30 days from the XX/XX/XXXX due date. For 6 years I have followed all the rules and paid my loan with-in 15 days of the due date. My loan payments have gone up to {$380.00} per month when they started at {$110.00} a month. I am a mother with XXXX children, XXXX in college now. I have struggled to pay my loan payments, but am responsible when it comes to my debt. I do not feel I should be penalized for paying what I was told to pay. I don't feel I should now have to pay an additional 2 months at the almost {$400.00} payment when the 2 lower payments were made, on time, and should count. I also asked for a copy of my signed Promissory Note and was told I could access it at the the Dept of Education Website. I have been on the site and I am not able to locate a copy.
Consumer complaint received 2019-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX/XXXX # XXXX is reporting a new erroneous late in XX/XX/2019. I have never had a late in that month before and only on this most recent update to the credit bureaus has this late appeared. It is inaccurate and erroneous and it needs to be deleted.
Consumer complaint received 2018-12-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (MD)

In a letter dated XX/XX/XXXX from ERC, I received a response to a previously disputed debt. ERC sent a response to a validation request after I informed ERC that I do not owe them or XXXX, the original creditors. I told them to remove the debt completely from my credit report as it is not a debt or settled. XXXX falsely advertised that they provided high speed internet in my area when in fact they didnt. XXXX eventually sent me a refund check. The service was activated and cancelled the same day because it was not high speed internet. It was dial up and it was extremely slow. High speed is not offered in my area from XXXX in early XX/XX/XXXX. XXXX should not have place me in collection and ERC has been informed of all this. I want ERC to remove the bogus account because they dont even have the correct account number at all and I do not owe ERC or XXXX and they keep sending me correspondence and putting damaging remarks on my credit.
Consumer complaint received 2021-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

I am buying a home and Equifax is not reporting a credit score. I call several times and still no reporting. This is costing me alot of money and need some intervention.
Consumer complaint received 2019-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

I keep receiving overdraw fees from Bank of America despite their app indicating that I had available funds. When I called to ask about the fees, I was told that the app does not accurately represent the amount of available funds. In order to see what is actually available, I would need to log into my account from a desktop/laptop or download a 3rd party app. I asked where in the app it notified users that the information provided was not up to date/current. The customer service agent acknowledged that they do not include that information on the app and that I should just download the 3rd party app.Although I was refunded the fees, I am really surprised and appalled by this unfair business practice that Bank of America obviously benefits from.
Consumer complaint received 2019-09-13
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (CA)

XX/XX/2019 - Debt collector shared my information with the front desk over the phone and bashed my character. 
XXXX XXXX with PBCM at XXXX XXXX follow up call for collections regarding your son.
Consumer complaint received 2018-12-25
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. (NC)

In XXXX of 2018 I submitted a dispute through the mail for accounts and also inquiries that were fraudulent and showing on my credit report. I would like these items to be reviewed removed and blocked. As a victim of identity theft and because of these unauthorized accounts I am unable to obtain legitimate accounts for myself.
Consumer complaint received 2022-03-18
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

On XX/XX/2022, I sent the credit reporting agencies letters notifying them that they are in Violation of 15 US Code 1692e ( 2 ) ( a ) the character amount or legal status of any debt and ( b ) You are falsely and misleading representations and Violation of 15 USC 1666b. This is a billing error. I always paid as agreed on time. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2019-09-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Focused Recovery Solutions, Inc. (VA)

Focus Recovery Solutions : never notified of the debt. Was notified of amount owed by DR office in XXXX paid directly to DR office in XX/XX/2019 was placed on my Credit Report by FRC on  XX/XX/XXXX in the amount of {$350.00}.
Consumer complaint received 2018-09-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch (CA)

The loan servicing company called XXXX, took over my VA loan, they have screwed it up ever since they have had it, making threats, false statements, failing to conduct an LPO/Audit and Fraud. 

There parent company is Servis One , Inc another fraudulent company
Consumer complaint received 2018-12-25
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. (NC)

In XXXX of 2018 I submitted a dispute through the mail for accounts and also inquiries that were fraudulent and showing on my credit report. I would like these items to be reviewed removed and blocked. As a victim of identity theft and because of these unauthorized accounts I am unable to obtain legitimate accounts for myself.
Consumer complaint received 2022-07-18
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: Experian Information Solutions Inc. (NY)

In accordance with the fair Credit Report Act XXXX  Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX Has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right privacy.

15 U.S.C 1681 Section 604 A. Section 2:11 also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account ( and multiple others ) were compromised as apart of theft on new years day of 2022. XXXX XXXX  and XXXX XXXX XXXXXXXX quickly resolved those issues. XXXX ( via XXXX XXXX ) did not. Access to my accounts was locked by XXXX  and unrecoverable PER XXXX. Payment of the account was impossible due to this. 10 days after the account was " past due '' XXXX sent a notice in the mail along with charges ( many of which were still fraudulent and were racking up interest charges ). I then promptly submitted payment. After that a month later they submitted to the credit agencies that i was 30+ days late. THIS IS FALSE!! I have now paid this account down to zero and plan on closing it. The negative remarks on my credit report are effecting my credit report scores. The interest charges for fraudulent charges is negatively effecting my money.
Consumer complaint received 2018-08-12
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. (NY)

on XX/XX/18 made a purchase for XXXX with XXXX XXXX. the flight was delayed many hours and XXXX  would not let me off plane despite repeated requests. Detailed letter of dispute sent but chase has not reversed the charge
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (FL)

My account ( and multiple others ) were compromised as apart of theft on new years day of 2022. XXXX bank and Bank XXXX XXXX quickly resolved those issues. Apple ( via goldman sachs ) did not. Access to my accounts was locked by apple and unrecoverable PER APPLE. Payment of the account was impossible due to this. 10 days after the account was " past due '' apple sent a notice in the mail along with charges ( many of which were still fraudulent and were racking up interest charges ). I then promptly submitted payment. After that a month later they submitted to the credit agencies that i was 30+ days late. THIS IS FALSE!! I have now paid this account down to zero and plan on closing it. The negative remarks on my credit report are effecting my credit report scores. The interest charges for fraudulent charges is negatively effecting my money.
Consumer complaint received 2018-09-16
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Onity Group Inc. (VA)

OCWEN HAS CONSTANTLY REPORTED MY ACCOUNT BALANCE INACCURATE EACH MONTH ON MY CREDIT REPORT I DO BELIEVE THAT THIS IS DISCRIMINATION AND A RACIAL INTENT TO HINDER MY SCORE. I PAY MY MORTGAGE ON TIME EACH MONTH I HAVE CONSTANTLY REACH OUT TO THIS COMPANY TO HAVE MY LOAN INTEREST RATE REDUCED RATE IS 12.4 PERCENT WHICH IS CRAZY AND THEY CONSTANTLY STATE THAT THEIR IS NOTHING THAT CAN BE DONE./ THIS COMPANY IS A PREDATORY LENDING COMPANY AND SOMETHING NEEDS TO BE DONE. THEY CONSTANTLY DO AS THEY PLEASE WITH REPORTING INACCURATE INFORMATION AND USING RACIAL DISCRIMINATION FOR THEIR OWN FINANCIAL GAIN. I HAVE REACHED OUT TO THE COMPANY AND THE OMBUDSMAN AND STILL HAVE NOT RECEIVED A RESPONSE