davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

I have previously stated that I have discovered that my personal information has been exposed to 15 different data breaches, including my email, addresses, credit card numbers, and ssn. There are some accounts that I do not recognize on my credit report or they continuously report inaccurately no matter how many times I have disputed these issues in the past. As a consumer, I have a RIGHT TO PRIVACY. 
In accordance with the Fair Credit Reporting act, XXXXXXXX XXXX  Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. This is a violation of my rights.

This is disheartening to know that this company has complete control over my life and how I can provide for my family, and continue to do whatever they wish with no regard to the rules and regulations set in place that they are required to abide by. I serve the LORD GOD and my country faithfully and I am being stripped of my rights in the very country that I have fought for in XXXX. This inconvenience has placed a hardship on me and my family, as I am XXXX XXXX Military and could possibly lose my security clearance while trying to serve my country. 

One of these accounts in particular, I have contacted personally and they did not have any contract with me on file, yet when I dispute items they are some how verified. This is FRAUD. If the requested items are not deleted promptly, I will be filing arbitration with this company.
Consumer complaint received 2019-07-22
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. (WA)

I have gone through my credit report and I noticed that there are so many credit inquiries that I did not authorize. I have put them on a list and I have requested all 3 credit bureaus to remove them because I did not authorize and yet nothing is being done. I did buy a new car but I was approved with my own credit union. It appears that the dealership sent it to about 15 banks. There are inquiries about credit cards. I haven't opened up any new credit cards. I asked for proof of these inquiries and they wont provide me anything. I want my inquiries removed. I didn't authorize them and they are really affecting my score.
Consumer complaint received 2023-01-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (MD)

Greetings. I have submitted all of the required documentation to Mohela, my student loan servicer, to document my eligibility for loan forgiveness through the Public Service Loan Forgiveness ( PSLF ) Program. Documentation was submitted beginning in XX/XX/2022. As of today, this documentation demonstrates that I have met the requirements of the PSLF program and I am eligible for forgiveness. Also, in XX/XX/2022. I requested a refund of my payments during the federal forbearance period from both Mohela and XXXX XXXX. I have not received neither my refund nor a written response to my request for discharge of my loans due to submission of documentation that demonstrates I have met the requirements for PSLF. 

The delay in processing my request is negatively impacting my livelihood because the PSLF program requires that applicants remain in public service until Mohela mails or informs applicants of approval for loan discharge or forgiveness. I have had to decline job opportunities and I am being restricted from pursuing other jobs outside of public service until I receive a response from my student loan servicer.
Consumer complaint received 2019-07-23
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: DISCOVER BANK (AL)

This account was open fraudulently when i was in high school in XX/XX/XXXX. I didn't know anything about this account until I tried to apply for my first credit card and was denied. I pulled my credit report and seen that this account was opened and went to collections for {$500.00}. I called Discover Financial Service and was informed that if I paid the account, they would remove it. Sadly, they did not. The account was closed on XX/XX/XXXX.
Consumer complaint received 2019-07-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company (TX)

I have tried to get collection company " Merchants Credit Guide '' and credit bureaus to remove a claimed debt of {$460.00}. XXXX  has already complied and removed the derogatory item from my report but XXXX and XXXX have not. Merchants credit guide only responded to my 1st letter and ignored my second letter requesting for proof of debt, 1st letter Tracking # XXXX - 2nd letter tracking # : XXXX. 

XXXX ( Tracking # XXXX ) and XXXX  ( tracking # XXXX ) also failed to provide me with proof of alleged debt.
Consumer complaint received 2019-07-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MD)

We got in to a predatory lending .We got the home in XXXX for XXXX paying XXXX XXXX XXXX XXXX a month we been ask for a mod but in XXXX the rear was XXXX the home they started to foreclosure on it I filed a bankruptcy to stop and keep ask for a mod they told me to pay XXXX I pay it for 3 months then the cont. to persuade the foreclosure and refuse take the next month in XXXX they file again I filed a bankruptcy again the start cont to file and then in XXXX while Im still ask for the mod we keep filling bankruptcy and keep asking for the mod summit document after documents no answer we never had a day in court because we in bankruptcy the bankruptcy was discharged in XX/XX/XXXX and the court give them a sale date for XX/XX/XXXX now the home is to be for sale on that date the home has change lender able loan serving, littion loan services,  ocwen loan serving now PHH loan servicing and they just send me help paperwork out XX/XX/XXXX and I just get home for the hospital try contact the wit HUD counselor On today and they refuse to help the still say we own XXXX in rears and we never pay or their no loan of a payment of XXXX it was XXXX and the give us a loan mod for XXXX at 2 percent and they send out a letter tell us we at the lost amount we never received anything form the but foreclosure paperwork and we was not in predatory lending
Consumer complaint received 2024-03-08
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. (MN)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2019-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (WA)

Citibank decided to replace my credit card with a new number. It issued a new card account and transferred the balance to the new account but FAILED to change the old account to {$0.00}. Instead, customer service says that it will be corrected in the future at an unknown date. This resulted in a showing of DOUBLE the amount of credit card debt on my credit report, reduced my score below 700, and prevents me from obtaining an optimum rate on a home loan I want to obtain. Note that even though Citibank has already eliminated the XXXX card from my mailed statement, it still appears online.citi.com and on my credit reports. This is no rush to Citibank but is negatively affecting me on a daily basis. I decided to ask CFPB to assist me before contacting the Attorney General 's office.
Consumer complaint received 2019-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC (WV)

I disputed information on my Early Warning consumer report I sent Early Warning a copy of my bankruptcy filing document proving the bank account listed on my consumer report was included in my bankruptcy so I requested all of the information under transaction information be DELETED because the information is included in my bankruptcy and that is considered negative information and is preventing me from opening a bank account since the bank account was included in bankruptcy all the transaction history information should and must be deleted because it infers that I have outstanding NSF checks which I do not any longer they was all wiped out in the bankruptcy
Consumer complaint received 2018-08-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FC HoldCo LLC (CA)

I made a payment on XX/XX/XXXX through XXXX XXXX XXXX 's website using XXXX XXXX XXXX as normal. However on XX/XX/XXXX I received a voicemail message. I returned the call early the next morning ( XX/XX/XXXX ) and spoke with a Mr. XXXX. He indicated that it appeared that the system was unable to locate my account. He said there may have been a glitch on their end since they were updating their system. I used another form of payment and made the payment. He indicated that any fees incurred were waived and my account was at XXXX. On XX/XX/XXXX I spoke with Ms. XXXX because when I went to make a payment on my account online, it said it was blocked because it was overdue. She informed me that their system had been down over a week but my account was current but the late fee and miscellaneous change was still reflecting in the system. I explained to her that I had spoken with Mr. XXXX and he had ensured me that those fees were waived. She said she saw the note but nothing about fees being waived. She said she would put in the request. I just received my current bill and the fees are still on my account, which total {$42.00}. I don't feel I should be obligated to pay them since they were having problems with their system.
Consumer complaint received 2023-01-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (CA)

I closed my account over the phone on XX/XX/15 and received confirmation. Since then I have attempted to contact Wells Fargo by phone several times but they have not been able to tell me if a cashiers check has been issued for my remaining balance of around XXXX 

Today I visited the branch that opened my account and they claimed the check had been sent but was lost in the mail. They were not able to provide a tracking number to verify this. They said I would need to pay a fee of XXXX  to reissue the check and I refused. They said if I would not pay for the check to be reissued I would need to wait until the end of 90 days before they would reissue me a check.
Consumer complaint received 2022-12-15
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. (CA)

I am a victim of I Identity Theft. I have sent in FTC Affidavit relating to the XXXX XXXX and XXXX XXXX breaches with addresses, names, SSN, and accounts that were not mine While waiting for remedy, a new collection from XXXX XXXX  appeared in the mist of dispute showing a new account had opened. I never consented or knew of this debt. this debt was disputed previously deleted and has illegally reappeared as a new account. I have never consented nor ever had applied for account. 
FRCA laws and U.S.C 1681 states reaging and knowingly reporting inaccurates and fraudulant are a violations. to my consumer rights. 
Also the XXXX late payment showing from XXXX XXXX should been deleted for during the XXXX Cares Act, credit agencies may not report adverse payments to a consumers report. I have spoken to bank and they updated to good standing but Credit agencies still showing incorrect and misleading info.

I am requesting these acccounts to be deleted. 
XXXXXXXX XXXX XXXXXXXX {$2700.00} date opened XX/XX/2022 XXXX XXXX XXXX XXXX {$120.00} date XXXX XXXX XXXX XXXX paid off XXXX XXXX  XXXX paid off XXXX XXXX XXXX XXXX paid off XXXX
Consumer complaint received 2024-03-08
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. (FL)

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 inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-03-08
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. (TX)

I have reached out to Equifax numerous times regarding the inquiry items on my credit and they refuse to verify or provide information linking me to the inquiry. According to the FCRA, the credit reporting bureau must be removed if not verified or authorized.
Consumer complaint received 2023-01-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ROBINHOOD MARKETS INC. (MD)

I had an account with Robinhood and they have a program where cash is swept into bank accounts to accumulate interest.

One day it was halted and they stopped paying me interest. There was several XXXX dollars in cash ( not stocks ) that were not paid interest for despite Robinhood having said that they were to be swept and earned interest for being held at Robinhood.
Consumer complaint received 2016-01-26
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Buffaloe & Associates, PLC (TN)

I received a subpoena from a collection agency threatening to sue me on a time barred debt from 2004.This company has tried several times to garnish my wages but have been unsuccessful due to I only work 1-2 days a week and now they are taking me to court and asking for record of employment, checking/saving accounts, deed to property, titles to vehicles and copies of tax returns for the past 3 years which I do n't understand the need for because I thought it is against the law to try and sue or threaten to sue someone on a time barred debt.
Consumer complaint received 2024-03-08
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. (FL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2019-07-23
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: SYNCHRONY FINANCIAL (NY)

Synchrony bank along with quiet a few others, XXXX XXXX included, have been notified to send all mailings and calls to XXXX XXXX XXXX  as we had enrolled in the program. They still sent Certified mail to our old residence and are still calling our numbers after being given the numbers to XXXX XXXX XXXX
Consumer complaint received 2019-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP (CO)

In XX/XX/XXXX, I called to close my XXXX XXXX  through us bank. Its XXXX I can use anywhere XXXX   accepted however the rewards program is only through XXXX and they went out of business. I waited a few months, no charges and a XXXX balance. I called and closed, I also informed them I never received my new card that expired in XXXX, so the number was comprised. Additionally the rep was super rude bc it seems theyre supposed to save accounts and couldnt convince me to keep. I was set up for online statements but once my account was closed they block you from online because it was my only account with them. I received one email a statement had been cut about XXXX and then I received another email statement in XXXX. A second statement didnt make since. I called in XXXX XXXX. To find out that apparently a charge was charged 1 hour BEFORE I called, that they should be able to see. There was a lot of back tracking and covering up. How do they have no process to inform me my account didnt close either? How did a card I told them was compromised have a charge? They reversed the late fee, and ensured that they havent reported to my credit. They asked about disputing the charge but I decided I didnt trust them not to report to my credit and Id work out with the merchant. Today XX/XX/XXXX I called to confirm my account did close. It says pending close. The person claims it takes 2 cycles to close and previous merchants can still charge. I want my account closed. 
I feel either the person who first should close didnt, the next person lied. I requested to escalate an ethical complaint. They said theyd file it. I said just document for regulators. I want an escalation group. She said there were no such people. 
The lady tonight, I asked how if Im at a XXXX balance and I dont want the card how they can not just close it. She said every bank can do it how they want. 
I cant understand the point of this, Im concerned my credit will be impacted. Us bank the most ethical bank thats a joke.
Consumer complaint received 2023-01-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

This is in regards to a complaint I filed on XX/XX/XXXX ID # XXXX. 

On XX/XX/XXXX, I discovered I had been a victim of identity theft. A fraudulent loan was taken out in my name and a fraudulent checking XXXX  t was opened at Capital One to deposit said monies. After extensive back and forth with Capital One, including providing copies of the police report, I received notification that the matter was handled and the account was closed. 

Today ( XX/XX/XXXX ) I received a statement in the mail informing me that 'my account ' had a balance of {$4.00}. 

I received written notification from Capital One that this matter had been investigated and that the account was closed. However, considering the statement I received in the mail, that is not the case. 

I do not understand why this account, which was opened fraudulently, and has been reported to all XXXX credit bureaus, the police, to Capital One ( via XXXX phone calls, CFPB, XXXX  and the capital one complaints line ) remains open. 

I want this account closed immediately, in writing and a phone call. And I never want another statement sent to me again.
Consumer complaint received 2019-11-13
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. (IN)

I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sentXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-15
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. (PA)

THE LISTED ACCOUNTS WERE OPENED FRAUDULENTLY. THE ACCOUNTS ARE UNDER LITIGATION. THE ACCOUNTS WERE OPENED USING MY IDENTITY INFORMATION BUT WERE NEVER AUTHORIZED OR DID I HAVE KNOWLEDGE OF THE ACCOUNTS BEING OPENED. I AM A VICTIM OF IDENTITY THEFT. THE ITEMS IN WHICH I NEED TO BE REMOVED IMMEDIATELY ARE THE FOLLOWING 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 2019-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TN)

I received a letter XX/XX/2019 from Synchrony Bank stating that my account was closed due to " the number of dishonored payments on this account. '' I called them and was told there were 2 dishonored payments in 12 months that prompted their actions. The dishonored payments were reflected on my daughter 's bank account when she tried to make a payment. I received a notice and immediately paid the balance in full on XX/XX/2019 before the due date. I've worked hard to build my credit for a future home purchase. I was told to reapply for another card. I don't care about the card, but the damage to my credit since I'm planning to buy a home next year. I've been making 100 % of my payments on or before time. My daughter called them and tried to explain, but they refused her explanation. I've learned a valuable lesson about Paypal. My efforts to be a good customer wasn't important to them.