davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-31
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)

Equifax unlawfully created a new credit file on me, showing no credit history and thus a low FICO score, causing my existing credit accounts ( personal and business ) to have interest rates increased and lines of credit ( LOC ) decreased. Much financial harm was caused during the time it took Equifax to find my lost file. Now I address new concerns, as follows. 

I have been disputing unrecognized inquiries into my perfect credit history for a couple of years and have been denied every dispute, without being provided actual proof of the validity of each and every inquiry. They simply verify it with a third-party company and say it has been verified, often within minutes of filing an actual dispute. 

Below are the inquiries which I do not recognize and most certainly did not authorize by these creditors. No new accounts ever resulted from the inquiries. I am a past victim of identity theft many years ago. 

XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX My personal address on file are : XXXX XXXX XXXX, XXXX, XXXX  XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX ( Office ) My Date of birth is : XX/XX/XXXX Name : XXXX XXXX XXXX Last Four of SSN : XXXX These inquiries are causing me to be denied credit for no other reason than excessive inquiries, which drastically affect my FICO score and affect the rates I pay on personal and business credit. 

Please have these inquiries immediately removed from my credit file. Thank you in advance for your understanding and consideration.
Consumer complaint received 2019-09-20
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. (AR)

My credit files contain accounts both past the statue accounts as well as absolute inaccuracies. 
1.XXXX XXXX Paid as agreed, XXXX balance. 
2. Medical bills XXXX XXXX ( Paid ) falls under the XXXX 3.XXXX XXXX paid as agreed. 
4.Direct and Federal Loans are being reaged. They are reporting delinquent after 7 years. 
5.XXXX XXXX this is not my account. Also show bankruptcy. 
6. XXXX XXXX Paid as agreed. History reporting inaccurately. Never 30 day delinquent XXXX through XXXX in XXXX. 
7. XXXX XXXX Paid as ageed.
Consumer complaint received 2019-09-18
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (OH)

I have been on the interest rate reduction plan for several month to help lower my monthly payments by a few hundred dollars ( I owe {$150000.00} - which comes out to {$1300.00} a month without the plan ). When the current plan ended ( {$900.00} a month ) I called to see what my options are - and to hopefully reinstate the interest rate reduction plan. I was told nothing can be done to lower my payment to the rate it was at at that my payment would be increased {$100.00}. ( This comes out to more than 50 % of my income keep in mind ) .This is all fine and dandy but the supervisor I spoke with was extremely rude to me and made me feel bad for asking for assistance. He told me I was the one who signed for the loans and we are not obligated to help you afford your payments. He said its not my problem to help you figure out how to make the payments and your lucky you have been helped out as much as you have been. This guy was a XXXX XXXX XXXX and the 45 min call was no help to me. I told him I would call back and speak with someone else. 

He is right it is not his problem to help me figure out how to afford my payment but when they are taking 50 % of your income they should be willing to work with you. Its just not realistic for them to ask for such a huge portion of your income. I work full time making decent money and also have a second job to make ends meat ... just so I can pay these RUDE people. I am a victim of predatory lending - I signed for these loans when I was just XXXX  and didn't understand the consequences of borrowing money to got to school. 

There needs to be some relief for borrowers so we can have some quality of life before we work our self 's to death trying to pay off our student loans!
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed.
Consumer complaint received 2019-09-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Union Home Mortgage Corp (MI)

I have two Home mortgages Through XXXX XXXX of Union Home and Mortgages. 
In XXXX of 2019 I was informed that the escrow account was short on both accounts, We paid the difference. In XXXX of 2019 I received a second letter that our escow account were again short and we need to another {$600.00} on and {$500.00} on the other. 
After discussing this issue with them I discovered 90 % percent of the amount they are requesting is going into a cushion fund. I have excellent credit, I paid the extra that requested of me in XXXX also when we closed on the house last year in XXXX I was told part of the closing cost was years worth of escrow required by law I also paid that at closing. I believe Union Home mortgage is mishandling and would like a resolution soon.
Consumer complaint received 2021-03-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

To Whom it may concern ; I got married in XX/XX/2019, I have been trying to change my last name on my car loan from capital one. I have been dealing with this issue already for XXXX. Capital one told me to submit my Marriage Certificate and that's it, I submitted what they asked for with the cover sheet they provided and now they're saying I need my driver 's licenses. They never told me I needed my driver 's license and every time I call Capital One they tell me something different. I need this fix to get updated registration for my car.
Consumer complaint received 2022-11-30
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. (FL)

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was Dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-01
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. (FL)

I was looking at my credit report and notice there was a collection that does not belong to me. I sent the company and the credit bureaus certified mail telling them that this account does not belong to me. Its been about 4 weeks now, and I have not heard from them, or gotten any letters from them.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (PA)

I received a response from Comenity Bank XXXX regarding CFPB Complaint # XXXX their letter appears under this complaint thread. 
They mention they committed no FRAUD when they violated my right to privacy when they failed to give me NOTICE that I have a right to opt out or opt into credit reporting and proceeded to illegally transport my NON PUBLIC PERSONAL INFORMATION without my consent or some form of instructions from me. They are using the word FRAUD to describe the situation. They seem to ignore the fact that my dispute is based solely upon their reporting this tradeline in the first place without giving me NOTICE or getting my permission, and now they refuse to remove the charge off information that they report The letter is dated XX/XX/2023. I suggest they read Title 15 USC 6802 The Gramm Leach Billey Act that they KNOW or should have KNOWN that they are violating and that their letter is proof that they do not care about the privacy of federally protected consumers like myself. 
This is a violation of my privacy and they failed to in anyway address the fact that I am disputing because they are the source reporting this charge off because I received no notice regarding my right to opt out or opt into credit reporting and gave them no PERMISSION to report this alledged tradeline in the first place. I plead with the CFPB to investigate your company if you don't remove this item immediately.
Consumer complaint received 2019-05-01
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 — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE (NJ)

I am a XXXX XXXX  in the country of XXXX who presently has permanent residence in New Jersey. I used my Barclays XXXX XXXX credit card to purchase my return airline ticket and for some reason my XXXXXXXX XXXX did not pay the charge automatically as set up. Barclays refuses to make a 1 time exception to remove the delinquency from my CBR as it has affected my score adversely. As you are aware credit score is imperative in society and being a XXXX  preparing to become a XXXX  my score is critical. Additionally, I paid the same second I received an email and a letter at home stating my delinquency. I would question why they would wait 3 months to notify me of delinquency and not sooner.Perhaps the late fee of {$37.00} a month is a common practice to destroy ones credit and increase income for the bank. My intention was not to be delinquent as I have never been and would have paid this immediately if I knew.I can only imagine how many customers this has happened to in the past. Please help as I need credit and only doing the right thing in today 's world.
Consumer complaint received 2021-03-06
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. (IL)

I am a full-time dental student and a part-time service member in the XXXX XXXX. I am having an issue with getting the Us Department of Education Default Resolution Group to fix the inaccuracies on my credit report. They are reporting data for 11 accounts to the credit bureaus. My student loans went into default on XX/XX/XXXX as a result of being laid off from my job. They were transferred from XX/XX/XXXXto the US Department of Education Default Resolution on XX/XX/XXXX. First, on my XX/XX/XXXXcredit report, the accounts were re-aged which is a violation of the FCRA. The account status date changed from XX/XX/XXXX to XX/XX/XXXX this effectively extended the time that the accounts are to be reported on my credit report. Next, on my XX/XX/XXXX credit report, they are reporting a payment history that shows the same accounts went into collections on XX/XX/XXXX. This is impossible because my loans did not go into default until XX/XX/XXXX. The loans were not transferred to the US Department of Education Resolution until XXXX. They should not be reporting any information prior to that. Also, they are reporting that monthly payment on the accounts even though the accounts are closed. Not only is the information inaccurate, but it also contradicts what is being reported by XX/XX/XXXXOn my Equifax credit report, in the payment history, it is reporting XXXX dates for the collection : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Again, this contradicts what is being reported by XX/XX/XXXX and XX/XX/XXXX I contacted the Us Department of Education Default Resolution over 15 times in the span of XXXX years asking them to fix this issue. They told me that they can not fix the issue and that I needed to dispute with the credit bureaus. I've dispute with all 3 credit bureaus several times via mail, online, and over the phone but nothing has changed. I've been dealing with this issue since XXXX of XXXX and need this issue resolved.
Consumer complaint received 2023-09-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (PA)

Debt appears to be from an emergency room visit from XX/XX/2017. I was not aware of the debt or ever given an opportunity to review the details. I am still not sure what this is in regards to. Also, this debt is over XXXX XXXX XXXX. 

Also there are 3 collections listed all for similar amounts and for the same date. the amounts and account numbers are : XXXX XXXX Acct # XXXX XXXX {$1400.00} XXXX XXXX Acct # XXXX XXXX {$1100.00} XXXX XXXX Acct # XXXX XXXX {$1100.00} I tried to dispute this collection previously but was told it was valid and never received any details regarding the charges. I need to see a detailed bill, my signature accepting the charges and the notice that I should have received advising me that this was going to collection. 

I was able to research XXXX XXXX and they operate the emergency room at XXXX XXXX XXXX. I contacted the hospital and they had no record of the visit.
Consumer complaint received 2019-05-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (IL)

PayPal denied my unauthorized claim for {$1600.00} sent to an unverified PayPal account. I filed a claim stating it was not me who made the transfer they closed the claim out stating it was authorized without fully investigating. All they did was trace the IP address thats not enough proof that it was me who made the purchase. This has been an ongoing issue since XXXX. Now I have to get my bank involved and hope they honor the refund due to the past timely filing time frame. Im going to contact the police and file a claim against PayPal for fraud. There is no security for PayPal account holders they allow all fraud to go thru and they make you pay for it.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2019-05-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC. (RI)

The company should have closed the account as request in XX/XX/2018 after the {$5700.00} payment. This was because the authorized purchaser on the account, XXXX XXXX, was in a nursing home, her card was missing and because of that I did not want any more charges on the account. 

This situation was explained when I closed the other accounts with HSBC as well. 

Instead the company allowed charges and let interest accrue then charged late fees and more interest. 


I have tried to settle this matter several times with HSBC and each time, they provide misleading information and refuse to acknowledge receiving the notification I detail above. Yet, in XX/XX/2018, they contacted me to tell me of suspicious charges, which I confirmed and again asked why the account was still open. 

Currently they are doing this with a debit card on a checking account with XXXX XXXX as a co-owner that I have asked them to shut down several times and they have ignored my request. I have asked them to cancel that debit card, just as I asked them to close this master card account and my requests get ignored and then HSBC refuses to do anything to correct the situation and the now useless CFPB will not do anything so I was advised by the House Government XXXX XXXX XXXX to continue filing until CFPB starts doing its job and banks start complying so I am filing again and hopefully either the CFPB will do its job or the House will make them do their job. Each of these complaints with nonsense responses goes to the House XXXX XXXX.
Consumer complaint received 2019-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (IL)

On XX/XX/2019 I attempted to obtain my Free Annual Credit Report from Equifax via the website XXXX. As in years past when attempting this action, Equifax refuses to comply ( despite successfully proving my identity through their questions ) and states that I must send sensitive data through the mail and wait for them to send me my report. No wonder they got hacked. 

On the same day as noted above I contacted Equifax via their telephone number XXXX and requested help. The operator then successfully verified my identity and then stated I would have to request my report by mail. When I asked for her name she stated it was XXXX and she was operator number XXXX. When I asked whether she worked directly for Equifax she stated she did and when I asked where she was located she said the XXXX. An overseas operator handling extremely sensitive credit information? Not very safe. 

I want my free annual credit report that I am legally entitled to by law and I would like it within one week. I would also like a written apology from Equifax. The law doesn't state that I have to send in pay stubs, a driver license or any other information via an unsecured method in order to obtain said report. I am seriously considering filing a lawsuit myself and am also requesting that the Federal Government fine and/or sanction them for failure to follow the law in good faith. 

What really makes this painful is knowing that I could walk into any car dealership, give them some basic information and they could get a credit report from Equifax in a matter of minutes if not seconds. 

Please get me my free annual credit report and fine and/or sanction them. For far too long they have gotten away with the harrassment of millions of US Citizens.
Consumer complaint received 2019-02-14
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. (MO)

This has to be the 4th time I had disputed these same accounts with the 3 major credit bureaus all to no prevail. Every time the 3 quick uninvestigated response was accounts been verified. And now my response to that is what Method Of Verification did you use, inwhom was the deciding factor, what day, month, hour did you process these claims. What form of verification did you use, who made the calls, fax, etc., and inwhom did you speak with, what if any physical documentation do you have, I'm also requesting physical documentation as of my rights as a consumer in accordance with the FCRA laws. Here are the 3 accounts inwhich I'm seeking the Method Of Verification for .. # 1 XXXX XXXX XXXX XXXX {$3400.00}, # 2 XXXX XXXX XXXX {$110.00}, # 3 XXXX XXXX XXXX
Consumer complaint received 2019-05-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect (MI)

The accounts were open inXX/XX/2014. The amounts are - {$620.00} - {$670.00} - {$350.00} I've send them complaint letters directly. I have also explained to them that these accounts/debits are not mine.