davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-08
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. (LA)

I have been a victim of fraud. I have sent multiple of letters to Equifax to resolve this problem ; but the problem still not fix after three ( 3 ) months. I have sent a copy a police report with notarize documents to support my claim. I also sent copies of my drivers license, a utility bill in my name and my social security card. Equifax is not working to resolve my problems. I want these fraudulent accounts remove off of my credit reports. By law according to the FCRA I have rights and I will exercise my rights to get a lawyer if this problem is not fix within the next 30 days. I have ask for physical verification from these companies three months ago and still haven't receive anything. According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original sign consumer contract- any of the accounts you post on my credit report. I demand to see proof. Also according to the FCRA it's against the law to report inaccurate information on a consumer credit report. I have notified Equifax on numerous occasions. I contacted Equifax on these specific dates XX/XX/2018 - XX/XX/2018 - XX/XX/2018. The fradulent accounts that's still showing up on my credit report is ( 1 ) XXXX-acct # XXXX ( 2 ) XXXX XXXX XXXX acct # XXXX ( 3 )  XXXX   XXXX.-acct # XXXX ( 3 ) XXXX-acct # XXXX ( 4 ) XXXX-account # XXXX ( 5 ) XXXX XXXX-acct # XXXX
Consumer complaint received 2019-05-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services (IN)

I have provided a complete list of every lender I am aware of that has been involved with any of these loans thus far. This information provided has been obtained from my complete credit report. 

EDFINANCIAL SERVICES L 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 I am in the process of applying for the Public Service Federal Loan Forgiveness Program. To do so, I must submit information regarding payments of my loans I have made under the income-based repayment plan. I am on able to access the information regarding how many qualifying payments I have made under this payment plan on the student aid.gov website. This is due to errors on my account as reported in the NSLGS database. The information reported by my lenders to the NSLDS database is in accurate. 

As the NSLDS database is accessible only to lenders, I am unable to determine what account information has been inaccurately reported. As a result of my inability to access my own personal information in the NSLDS database, only my lenders can correct the errors. I, as the loan holder, I am unable to determine what information was incorrectly reported, when the incorrect information was reported, and who reported the incorrect information. Further, there is no way for me to correct this information myself without the participation of the lenders. 

I have made numerous attempts to correct this issue with my current loan order, Edfinancial. I have submitted numerous documents reflecting all of my accurate identifying information several times to no avail. I have spoken with several representatives from NSLDS and EdFinancial and they have not resolved the issue.

I am able to log in to the FSA website with my FSA ID and password but can not view my loan information. The website inaccurately reports that I have no federal loan history whatsoever. I am unable to log in to the studentaid.ed.gov website with my FSA ID and password. When I attempt to do so, I received an error message that says student can not be found. After speaking with a representative from an SLDS, I am told that this is because my identifying information is inconsistent and/or inaccurate as reported to the NSLDS database by my lenders.
Consumer complaint received 2019-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

On Sunday, XX/XX/2019 at around XXXX XXXX., I applied online for a XXXX XXXX XXXX   home loan. After completing the online application, I received an immediate phone call back from a very helpful XXXX XXXX XXXX online loan officer. The loan officer told me that I had a " Security Freeze '' on my " Equifax '' credit file and that he therefore could NOT access my " Equifax '' credit file so that I could get a " Prequalified '' letter from XXXX XXXX XXXX   in order to buy a condo for my primary residence. The loan officer then gave me " Equifax '' telephone number to call of XXXX to call to instruct them to " lift my Security Freeze. '' So I then immediately did so. I initially talked with a lady who identified herself to me over the phone as " XXXX '' with a thick/heavy foreign accent that made her so-called English unintelligible to understand. She then asked me several " security questions '' of which she said that I had " Passed. '' Then " XXXX '' asked me some more questions about my " credit card balances. '' I told " XXXX '' that I had NO " credit card balances. '' Because " XXXX '' did NOT like my answer she told me that I had NOW " Failed '' the interview and that she could NOT lift my " security freeze!!! ''
Consumer complaint received 2019-08-31
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: Innovis (GA)

I just found out that my identity had been stolen, in effort to clear my name I want to report that accounts had been opened in my name without my knowledge. I am requesting for these accounts to be removed from my credit report intermediately.
Consumer complaint received 2023-03-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TransferWise Ltd (TX)

Wise without any reasons have closed my account. They did not want to give a specific reason why they did it to me. I am starting my small business and clients are starting to learn my financial institution with them. Unfortunately, they closed it without any reasons or advice.
Consumer complaint received 2021-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc. (TN)

I went this evening ( XXXX ) to use my roar money debit card to buy some food. The card gets declined. I have {$520.00} in the account. I contacted customer support to only be told scripted mumbo jumbo about sending documents, and the account will be unlocked in 7-10 days. All transaction history was done by me after carefully reviewing it. I'm not sending them any documents or waiting 7 to 10 days to use my money, because I did nothing wrong. I demanded numerous times to release my funds and they refused. 
I had this same issue around the XXXX of XXXX this year, and now I'm considering after this complaint is resolved filing a law suit for damages against them.
Consumer complaint received 2022-07-25
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (CA)

I have received an email from XXXX XXXX ( XXXX ) on XX/XX/22 that a new account was opened in my name. As I logged into XXXX it notified me that I had a new credit card for Nordstrom. I have never opened up an account with Nordstrom. I do not shop at Nordstrom, ever. I am a victim of identity theft. I have called Nordstrom and filed a complaint as soon as I found out to let them know of the situation XX/XX/22. I have also reached out to XXXX on XX/XX/22 to put a freeze on my account. XXXX advised me to file a report with FTC as a supporting claim.
Consumer complaint received 2019-09-02
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)

I reported to credit bureaus, local law enforcement and creditors the errors/fraud reporting on my credit report and nothing has been done. I'm filing a complaint to have fraudulent accounts deleted from my credit report upon receipt of this notice. I contacted the court and they do not have a record of a Bankruptcy Chapter XXXX for my name. So I am requesting it be removed from my public record. XXXX XXXX, XXXXXXXX, Dept of Vet affairs, Social Sec Admin, XXXX XXXX, US Dept of Ed, XXXX XXXX, XXXX XXXX, are all fraudulent accounts that I did not authorize, benefit from or was aware of. Please remove them permanently as soon as possible.
Consumer complaint received 2022-06-17
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. (CA)

in accordance with the fair credit reporting act i believe the XXXX XXXX XXXX account XXXX has violated my

rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-11-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am writing to request your help and notify multiple violations to the FCRA. My name is XXXX XXXX ; my SSN XXXX, DOB : XXXX. My rights as a consumer are not being respected. I have an account with XXXX XXXX XXXX XXXX, account XXX, opened : XX/XX/XXXX Limit : {$22000.00}. This company is committing violations to the section ( 609 ) of the Fair Credit Reporting Act by reporting FALSE AND ERRONEOUS INFORMATION. 

Ive always been on top of my payments, that Is why is enrolled the 2 accounts in automatic payments. Bank of Americas website is not friendly at all. It was really difficult for me to set up the automatic payments for both account ; however, they only did it for one account. As proof that I had the money and that I was willing to pay, the other account ( XXX, Date opened XX/XX/XXXX Limit {$2300.00} ) is current without a single late. This was not a money issue. I did have the money to pay. They are being negligent and unfair with this. 

They are also being unreasonable because I NEVER RECEIVED A LATE PAYMENT INSERTION BY MAIL, as required by law. They are committing BREACH OF CONTRACT, these are two more violations to the FCRA and the list of violations is much longer once I sat down with my attorneys to talk about my awful experience with this company. 

This is affecting me in a huge way, mentally and physically. I have a Pending mortgage for {$500000.00} because of this incorrect information being reported. I demand a deletion letter from Bank of America as soon as possible so I can provide to my mortgage company and get approved with the interest that I deserve. If they refuse to provide letter of deletion letter through CFPB portal, I will not think twice to let this issue be decided by a judge in a law suit court. I am sure that it would be a trouble for Bank of Americas records taking this issue to a court. Thanks for reading my complaint. 

See Bank account attached from the time of the issue, as proof that I had enough funds to pay.
Consumer complaint received 2019-08-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MA)

On XX/XX/2019 I refinanced the mortgage I had with Wells Fargo, acct # XXXX. The money to payoff the loan was a wire transfer from another financial institution. At the time there was an Escrow balance of {$6500.00}. As of XX/XX/2019 I have not been refunded my funds. I have emailed the company several times buy have not received a satisfactory response. Is there a legal time frame for them to refund my money?
Consumer complaint received 2023-03-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ)

I have previously filed complaints about rushmore llc and this company does not respond to the issue at hand and my complaints are closed after the response from rushmore.I am enrolled in the state of new jersey erma program that pays the arrears to get mortgage caught up and assistance in keeping my home.The program has requested arrears payment amount and rushmore lllc continues to not provide this information in a timely basis.This is a predatory tactic to not accept payment either to foreclose or offer a high refinance option on which i had been denied several time through this mortgage servicer
Consumer complaint received 2022-03-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (UT)

Loan # XXXX Our loan was transferred to Shellpoint Mortgage Servicing in XX/XX/XXXX. They had provided us with a new Escrow statement at which time we noticed that our escrow payment remained the exact same to we had already paid for the previous 12 months. All the years we had been paying our PMI, it had decreased each and every year we received our escrow statement until Shellpoint Mortgage Servicing took over. We contacted Shellpoint regarding this matter and their reply was that the monthly PMI was based upon our Amortization Schedule and the amount was correct. Shellpoint did NOT provide the Amortization Schedule that they have in our records to show evidence of such claim. I then contacted XXXX, the company that our PMI payments are sent to, and XXXX XXXX replied on XX/XX/XXXX with " The PMI should not go up unless the Amortized balance went up for any reason. Because the contract is between XXXX and your lender, I am limited at what information I can provide to you. ". We tried to fight the matter with no avail since we did not know we had the original Amortization Schedule in our safety deposit box at the time of our first complaint. We continued to pay the same amount for 2 years. 

Fast forward to XXXX, XXXX. I was cleaning out our safety deposit box and found the " original Amortization Schedule '' for the current loan that Shellpoint Mortgage services. According to our original documents, our current PMI monthly payment from XX/XX/XXXX - XX/XX/XXXX should be {$120.00} and NOT {$130.00} which they claim is correct. On XX/XX/XXXX, I sent an online message to dispute their claim and provided them with the original Amortization Schedule documentation we have in our records. Shellpoint mortgage replied back on XX/XX/XXXX with an answer that did NOT even answer our question. Their reply referred to the rules to be eligibile to cancel PMI and how to go about the process which was NOT related nor did it answer our question. 

On XX/XX/XXXX I sent another online message to Shellpoint asking for a competent person to carefully review our question and the documents we provided. XX/XX/XXXX Shellpoint Mortgage replied back again noting that the PMI is based upon the Amortization Schedule and the {$130.00} is correct. They also included a copy of our payment history which has nothing to do with nor does it prove the accuracy of what they are telling us. On XX/XX/XXXX I sent a third and final message regarding the matter with the original Amortization Schedule. We also requested that they reply with their copy of the original Amortization Schedule proving contrary to the documents we have in our records that we received at the time of the closing of our loan. Shellpoint Mortgage replied back with info on who is elegible for PMI cancellation which AGAIN DOES NOT answer our question. We have proven our case with our documentation but Shellpoint Mortgage refuses to reply with an answer that proves otherwise with any supporting documentation of their claims.
Consumer complaint received 2018-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (IL)

I signed up for a trial subscription with XXXX ( experian ) in XX/XX/XXXX. It was {$1.00} for the first seven days and then {$32.00} monthly after that. I have tried to cancel it several times unsuccesfully. When you try online they tell you you need to call. When you call they tell you the wait will be at least an hour and you will probably get cut off during that hour. I have now paid in over {$150.00} for a service that I don't use.
Consumer complaint received 2019-09-02
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (MO)

On XX/XX/2019, I arrived at a Banana Republic store to do some shopping. I hold a Banana Republic store credit card administered by Synchrony Bank. However, I realized at the check out counter that I had left this card at home. So began a series of unfortunate events. The Banana Republic representative checking me out tried to access my account by prompting me for my social security number, without success. When that didn't work, I worried the issue was that I had not yet activated the new card that had been sent in the mail some weeks prior. The Banana Republic representative thought it likely that this was the problem and offered reactivating my account as the best resolution. The reactivation process strongly resembled the process for opening a new account, so on several occasions I verified with the representative that the process would *not* open a new account. I also explicitly verified with the representative that this process would not result in a hard credit inquiry. However, the representative was wrong on both accounts. When I returned home I received an email from XXXX XXXX alerting me to a new inquiry against my credit and, upon logging into my online Synchrony Bank account, I found that a new Banana Republic credit card account had been opened. I promptly closed the new account and called Synchrony Bank to request that the inquiry be removed from my credit report. On XX/XX/2019 I received the attached letter from Synchrony Bank denying my request. 

It seems unreasonable to expect a consumer, faced with a company representative that says one thing and a company document that says another, to be responsible for discerning which source is correct. I hope that Banana Republic and Synchrony Bank will recognize their responsibility to resolve this conflict by removing the hard inquiry against my credit.
Consumer complaint received 2019-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX has come to a different conclusion twice wrongly, without providing justification. 
I am only convinced that evidence has been ignored. The investigation report I have received shows only month of payment but not the actual date or day in the month of XXXX. This is however, inconsistent with how the other months have been presented. 

When the evidence is before you and you come to different conclusion, the process will no longer support the analysis. 

It only make sense that actual payment made on time be reflected on credit report. My balance for the billing cycle should be XXXX. 

Does class, race, ethnicity etc. play a role in investigation?
Consumer complaint received 2019-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

To Whom It May concern a few issues with the reporting. I have 2 names on my reported file the 2nd name XXXX XXXX XXXX is in accurate and was told it would be removed over a year ago but is still showing up. 

Employment info they were suppose to add the company XXXX based out of XXXX XXXX NY. It's been years and that still has not been updated. 

I also have a problem with 2 Hard pulls I am looking to have removed XXXX XXXX said they would remove and they are still showing up on my file report the dates are XX/XX/XXXX & XX/XX/XXXX. I am unsure if these were suppose to be soft pulls or what Issue was as it's been so long. I had spoke to XXXX XXXX in early XXXX as to why these were still on my file they basically said to dispute the hard pulls if I did not authorize any hard pulls to be made.
Consumer complaint received 2023-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$5700.00}
Consumer complaint received 2022-03-30
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. (FL)

All 3 credit bureaus are reporting inaccuran=cies in late payments all between XXXX XXXX and XXXX XX/XX/XXXX. All othe months are not correcty reporting informaiton. For example XX/XX/XXXX XXXX and equifax says i am current but experian says im 30 days late.
Consumer complaint received 2019-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (AZ)

I had traded in my car for a XXXX truck. I had called Santander to advise car was traded in and if payment still needed to be made. They stated no since they would receive a check from dealership and would be paid in full. Month later they show account closed and add remarks saying 30 to 60 days late payment. This all happened in XXXX of 2019. I submitted disputes with creditor, never got back to me.
Consumer complaint received 2019-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a Visa card with Bank of America and in XXXX of 2017 I tried switching from bill pay with my bank to auto pay with BOFA on the app but it didn't take creating this mess I have a great relationship with BofA and a home mortgage and credit card as my husband as well.