davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-03
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: Cedars Business Services, LLC (TX)

XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights with the reporting to my credit report.
Consumer complaint received 2022-09-03
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # 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 an account without my written instructions. I contacted them after Equifax responded that they verified this information and I was told by the company to contact someone else they dont have the account. How can Equifax say they verified this account and I wrote them and requested verification and they sent an email to contact someone else. If they dont have the account, have any information and cant provide me with proof of this account, my signature establishing that I signed for this account ; how can they report this to my credit repostar?
Consumer complaint received 2023-07-28
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. (MA)

I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2018-09-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

On XX/XX/XXXX we finance our home with XXXX under a conventional loan 80/20. In XXXX they should the second mortgage to HSBC. In XXXX, we became behind on our mortgage and needed to modified or foreclosure would begin on the home. In the process of modifying the home, we told that both loans would be included so we pay on the modification until it was finish and now only one loan remains so we thought. Our home loan has be sold so many times by XXXX XXXX XXXX until it not funny. Now we are in XXXX, and now we are wanting to sell our house but can not because a lien is on the property held by HSBC. Wow, the second mortgage shows up finally as I did my work the loan is inactive and has been charged off as of XX/XX/XXXX. There is no record of it appearing on our credit at all but the title company will not close on the home until lien has been release. I have mail paper to HSBC address XXXX XXXX XXXX in XXXX XXXX ILL. No one as of yet has notified me of receiving the information. I am frustrated with the whole matter. Could you please assist.
Consumer complaint received 2019-06-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MO)

I became an employee of a XXXX XXXX XXXX XXXX in XX/XX/XXXX. While serving at the XXXX I returned to XXXX school and earned my XXXX degree in XXXX XXXX. I used student loans to pay for both my XXXX and XXXX   studies. Once I completed my XXXX I researched consolidating my loans so that I could pay them off. I was then led to XXXX XXXX as the only companies that I could do this with as they were a part of the loan forgiveness program through the Department of Education. I applied and began my loan repayment XX/XX/XXXX. 

After making consistent payments for 10 years in XX/XX/XXXX, I reached out to the company to assure that I would only have 2 payments left in the 10 year repayment cycle. I spoke with a customer service representative that informed me that I had already made 133 payments of $ XXXX/month on a 120 payment cycle. He went on to say that I needed to resubmit my loan forgiveness paperwork due to their partner company ( XXXX XXXX ) fraudulently opening deferments. I have never taken or received a deferment. The customer service rep was also able to verify that I had made all of my required payments. In fact, he saw that I had overpaid but informed me that he would need to open an investigation. He warned that during the investigation that I would need to continue to pay, which I did. In XX/XX/XXXX I received a new promissory note that to my surprise stated that I was not eligible and would have to begin payments on the new loan until XX/XX/XXXX. I was totally shocked to see that they did not give me any credit for the payments of over {$49000.00} that I had made and essentially started the entire loan over from the beginning. 

As of XX/XX/XXXX, I stopped making payments and reached out to a few lawyers that I know. To no avail. I have researched other cases and found that there may be a class action suit for this. I NEED HELP any help you can offer. This has already negatively affected my credit and caused me a great deal of despair in trying to get someone to help me address this issue.
Consumer complaint received 2019-06-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

In XXXX of this year I originally reached out to XXXX XXXX, certified housing counselor at the XXXX XXXX XXXX   XXXX XXXX in XXXX, NJ. XXXX helped me file the necessary paperwork with Wells Fargo to modify by home equity line loan. Due to financial hardship I had fallen behind on my payments and wanted to see if I could receive a loan modification and interest rate reduction and get back on track making my monthly payments. While XXXX was sending in my papaerwork to Wells Fargo I received a loan modification package from Wells Fargo with a contact person named XXXX XXXX XXXX. They were asking me for information that I had already provided to XXXX and was confused on who I should work with? XXXX advised be that it was ok to work directly with the lender and he would step back and let them complete the process. I then received an email from a XXXX XXXX XXXX ( Wells Fargo rep ) asking me for more information beyond what I had already send to XXXX. I provided the information via email to Ms. XXXX and asked her if she was the same person as XXXX XXXX XXXX. I got no response. I followed up with email to Ms. XXXX asking her to confirm that she received my information and was processing my modification request. I received an auto response email from Ms. XXXX that she was out of the office and would be back in a few days. I send a second email asking her if she was the same person as XXXX XXXX. No response. I then sent another email asking Ms XXXX to give me an update on the status of my application. Again not response. On XX/XX/XXXX, I reached our to XXXX XXXX and asked him to help me with this situation as I was getting extremely frustrated. I had provided Wells with all of the information that they has requested, hundreds of pages of documents, with no follow up. XXXX XXXX advised me that my case with Wells Fargo was closed have me the name of your agency and advised me to file a complaint. In the meantime I now am dealing with XXXX again to help me reopen my case with Wells . I have printed documentation of my email communication with XXXX XXXX and Wells Fargo representative XXXX XXXX. I would like to send this email history to your department. I am extremely frustrated with this process and feel that I did everything I was asked and provided the necessary information to Wells Fargo. My time is valuable and I dont have time to waste.
Consumer complaint received 2019-06-19
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. (NJ)

XX/XX/2019 XXXX XXXX XXXX This is the letter orginally sent to inform Equifax that I recently received a copy of my credit report and their company publishes and after reviewing it I found an item on the report that is inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By  publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. 



I did not receive a response from Equifax although I did get a letter from XXXX XXXX stating that they will remove this account from my credit report, since this account has been deleted by XXXX XXXX so show the collection account listed under XXXX XXXX XXXX they are both the same account. Equifax is damaging my credit profile with this information which should of been removed.
Consumer complaint received 2019-06-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A. (SC)

There was a balance left on my Macy 's Credit card account in XX/XX/XXXX. I never received a bill. I received one email notification in XX/XX/XXXX in which the account was already charged off and in collections. I disputed this information multiple times with Macy 's directly but they did not help or send information. I finally disputed this information with the CFPB in XX/XX/XXXX, and finally received a letter from XXXX XXXX in the executive office. She sent me copies of all of my statements. This was my first time seeing all of them in XX/XX/XXXX. 

This debt stemmed from a {$13.00} purchase of a satin hanger in XXXX XXXX on XX/XX/XXXX. I do not live in that city. I did not purchase a {$13.00} satin hanger, that is an unnecessary purchase. I did not use this card at all in the year of XXXX in which the statement shows. I want to say I hadn't used this account in almost two years. This entire debt that is being reported stemmed from this {$13.00} of a satin hanger that I did not make. The remaining {$240.00} are just strictly fees and interest charged by Macy 's. There were no other charges on the account that entire year. I had disputed this balance before directly with Macy 's and was told that this was a balance left on the account, not that there was a satin hanger charge. 

I mailed XXXX XXXX from the executive office a reply that this was not my purchase by certified mail XX/XX/XXXX and did not receive a response. I called Macy's/Citibank Recovery Solutions to present this information that this was not my charge and I did not purchase a satin hanger. I spoke with an employee ID number : XXXX on XX/XX/XXXX. She told me this debt was past the statute of limitations and they refused to research the account or even look into my claim of fraud because they would not be collecting on the debt. She also declined to transfer me to her supervisor due to their 2-minute hold limit and ended the conversation. 

This debt is not mine. The company refuses to research the account to see where this purchase stemmed from. I never purchased a satin hanger in which is the basis of this entire debt. They keep telling me they are not collecting on the account, but are still reporting it on my credit report. 

This account needs to be deleted from all three of my credit reports. This is not my purchase.
Consumer complaint received 2023-06-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current (MN)

I was exploring the option of having an account with this XXXX XXXX that calls themselves under the name Current because they offer a Visa debit card which pays Cash Back rewards. So I installed their XXXX app on my phone so I could see what their cash back rewards offers would be. I did not find them suitable to me so I uninstalled the app from my phone. Now there are three completely fraudulent unauthorized transactions at {$10.00} each for a total of {$30.00} from this company against my checking account. They do not even provide a phone number to call, all they give you is an email and then you have to contact them and sit there and wait. I reinstalled the app so I could try to contact them that way and all I could get was a message saying your account has been deactivated with a form to send feedback to support and when I tried to contact them that way the app says " something went wrong '' and then just sits there and does nothing. I never authorized this company to make any transactions against my checking account whatsoever, I don't even know how they got my checking account information because I never gave it to them! To me this is a criminal act of fraud! The money was all taken from my account on XXXX XXXX XXXX  in three transactions of {$10.00} each totaling {$30.00}. I don't know how else to contact them but this is the URL of their official company website.. 

https : //current.comXXXX On their website they claim that Current is a financial technology company, not a bank and that their banking services are provided by XXXX XXXX XXXX XXXX Member FDIC.
Consumer complaint received 2023-06-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Aqua Finance, Inc. (NV)

I called the company to have this account removed from my credit report. They said " I would have to close the account first then they will remove it. '' That was XX/XX/XXXX and it is still on my credit report
Consumer complaint received 2018-09-28
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ACS Education Services (FL)

Furnisher : Conduent Education Services ; Account Number : XXXX. I submitted a dispute and requested and investigation directly with the furnisher as stated in the Fair Credit Reporting Act ( FCRA. ) The dispute and request for an investigation was regarding specific inaccurate information being reported to my consumer reports ( i.e., inaccurate late payments. ) The furnisher received my letter via certified mail on XX/XX/2018. Conduent Education Services failed to comply with the FCRA dispute to furnisher guidelines including ( a ) conducting reasonable investigation, ( b ) report results to consumer generally within 30 days and ( c ) failing to notify the consumer of the status of the investigation and if it was even initiated. These are major violations of the FCRA and the furnisher should held accountable to the fullest extent of the law for failing to comply and violating my consumer rights. See attached uploaded documents.
Consumer complaint received 2019-06-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (CA)

On XXXX XXXX KIA motors finance in error claimed that it did not receive the payment of {$420.00} that was made XX/XX/2018. Also the payment made on XX/XX/2018 although funds were deducted from my bank account.
Consumer complaint received 2018-01-11
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. (PA)

i have hard inquiries that appeared on my credit report across all three credit bureaus TransUnion, XXXX, XXXX on various different dates. I have contacted all three bureaus by mail about this incorrect information on my report. All three bureaus replied stating that it was my responsibility to investigate these creditors & matters individually. 

( TransUnion ) XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX - inquiry from XX/XX/XXXX ( XXXX ) XXXX XXXX- inquiry from XX/XX/XXXX XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX - inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX
Consumer complaint received 2024-03-03
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. (SC)

I mailed out letters to XXXX, EQUIFAX, XXXX XXXX, they received them on XXXX XXXX. 
I received a stall tactics letter ( below is what was said. ) I used information that is available to everyone and they denied my letters also provided my ID and XXXX as proof it was me and used a mail service to send out the letters.

Letter from XXXX - We applaud your recent efforts to take charge of your credit. We want you to know we're on your side, and we're here to help support you on your path toward credit health. 

We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. If you're working with a third party such as a credit repair company or " credit clinic '', they have to identify themselves in their communications to us, and provide proof that you've authorized them to communicate with us on your behalf. 

It's important to know that if you see something on your XXXX credit report that you believe is inaccurate, you can dispute it easily and securely on your own for free, without paying a fee to any company. If you've hired a credit repair company and they insist on payment up front, encourage you to misrepresent your credit information or instruct you not to contact a credit reporting agency directly, they are not acting lawfully. Learn more about credit repair and your rights at transunion.com/repair letter. 

If you feel you received this letter in error, please contact us to confirm your identity and the information you wish to dispute. You may do this by visiting transunion.com/credit-disputes and selecting " Start Dispute '' or you may contact us by phone at XXXX Monday - Friday XXXX - XXXX Eastern and on Saturday & Sunday XXXX - XXXX XXXX, excluding holidays. 

You can count on us as a resource as you work to achieve your credit health goals - we want you to be able to get the financial opportunities you deserve. 

Sincerely, Your TransUnion Support Team Please do not reply to this e-mail. This mailbox is not monitored and you will not receive a response. 

FCRA states that all Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. Upon receiving notice, the documents sent are certified mail.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.