davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

Im seeking for these items to be remove or i will be seeking monetary value per violation Pursuant to 1681 ( a ) ( 1 ) The banking system is dependent upon my consumer report being fair and accurate .After taking a look at my consumer report it is definitely WRONG and UNFAIR. Unfair because I was never notified when this inaccurate information was furnished and I was never notified during your company 's initial investigation that you were going to report this information.

Pursuant to 15 usc 1681 ( a ) ( 1 ) - This grave error has undermined my confidence in your company 's procedure and as a result of this I will no longer be extending credit, and if this information is not removed I no longer want my information reported in your company 's database.

Pursuant to 15 usc 1681 ( a ) ( 2 ) your company is a powerless elaborate mechanism .This mishap that your company has caused has ruined my reputation and it has adversely affected my credit worthiness .I have been denied a job and multiple housing opportunities.!

Pursuant to 15 USC 1681 ( a ) ( 3 ) - Your company assumed this role .You were not given express permission by me, the consumer or a Competent court of jurisdiction .So, not only did you fail the initial investigation of this information .You also assumed this role, and assumed this information was valid .Which is a violation of my consumer rights.

Pursuant to 15usc1681 ( a ) ( 4 ) - You did not insure that this information is accurate and you did not exercise your grave responsibility with fair and impartiality.You took one side of the story and never consulted with me to find out if this transaction event took place .As a result of this my privacy was breached and this violated my right to privacy.

Pursuant to 15 usc 1681a ( d ) ( 2 ) ( A ) ( i ) - Congress makes it clear that a consumer report should NOT include transaction between the consumer and the person making the report.This alleged transaction that you are reporting and failed to investigate, whether or not it factually took place, can be categorized as a transaction that took place between the consumer and the person making the report .Which means it should not be included in my consumer report, and in fact is a violation of my consumer rights.

Pursuant to 15 usc 1681 ( d ) ( 2 ) ( a ) ( iii ) in your initial investigation I was never given the chance to deny this information being communicated on my consumer report which is in fact another violation and adds on to the other ways you ruined my reputation.

Pursuant to 15 usc 1681a ( b ) - Any authorization of a specific extension of credit of a credit card similar device should be excluded from my consumer report .This alleged transaction that your company clearly did not investigate is categorized as a transaction that was issued from a credit card.Credit card as defined under 15 USC 1602 ( L )
Consumer complaint received 2019-10-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (NC)

I received a prepaid XXXX card from Netspend ( XXXX XXXX ) in the amount of {$150.00} as a gift. I tried to activate the card online. The activation required much more information than I've ever provided before to activate any kind of prepaid card. The statement was that such information was required by federal law. 
After giving my name, address, phone number, and social security number on their website, the activation was not complete. The message said I needed to send a copy of my driver 's license to them or to call. Of the two numbers provided, neither was valid. 
I contacted XXXX, who then connected me with XXXX XXXX/Netspend. The agent of the company asked for my personal information again, this time adding that she wanted my birthdate. When I objected to providing so much information, she offered me an option of receiving a refund of {$150.00} by paper check mailed to my home. I agreed to the refund. 
The reason for my complaint is that this company is requesting complete and unnecesary private information under false pretenses. I am concerned that they now have my personal information and could cause me harm by using that information fraudulently.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Why are there are late payments reported on the original account after it was transferred to another lender? As far as I see it, that would make the account inaccurately reported, right? This account shows that it was transferred, but why is there a past due reported on this account? This is a violation.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
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
Consumer complaint received 2019-05-02
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (IA)

Sallie Mae/Navient has misrepresented the borrower 's ( my ) interest for years with my federal student loans. I have routinely attempted to set my auto-payment amount larger than what is actually due to attempt to pay off my student loans without paying as much interest. In the past, Sallie Mae/Navient has either disbursed the overpaid amounts to my lower interest student loans despite my requests for the overpayment to go to higher interest student loans first, or has lowered the set auto-payment amounts so that less will be paid off on my principle balance. As of today, I am trying to reset my auto-payment amount once again to a monthly payment amount that is greater than what is owed and it is no longer an option to be able to do this on their site. Furthermore, in cancelling the previous autopayment to pay a monthly amount greater than what is owed, they have removed the " benefits '' given to autopayment enrollees despite signing back up within an hour. 

Sallie Mae/Navient has constantly undermined my ability to be able to pay less in interest to them and are always engineering new ways to make things harder for those who wish to owe less for student loans. This is predatory behavior that is unacceptable and unbecoming of a company who is supposed to represent the United States Government due to their contract to manage federal student loans originating through the Department of Education.
Consumer complaint received 2019-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: SYNCHRONY FINANCIAL (OK)

A particular card is being reported to the credit bureau as if it were in a bankruptcy in 2016. This information is in accurate. The card was actually a charge off. I have called the bank regarding this reporting error four times over 42 days. I am being denied a mortgage because of this information. I have only a few weeks until we are supposed to close. Despite my best attempts I am unable to get this particular creditor to report the information accurately. Disputes have been filed
Consumer complaint received 2019-04-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (OK)

On my Equifax credit Report its showing that I have a closed child support account, the amount owed is incorrect, the date it was opened per Equifax was XX/XX/XXXX, I wasnt born until XX/XX/XXXX, I no longer live in Kansas, so they arent allowed by law to collect child support on my behalf. Its been dismissed since I left that state and Equifax will not remove this false info off of my report.
Consumer complaint received 2019-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (SC)

Company reduced credit limit by over half ... XXXX to XXXX resulting in my card being XXXX dollars away from max limit although I had made 2 consecutive payments over {$1000.00} each in order to have my balance at half of available credit. I have an excellent payment record with the company, have never been late or missed a payment. Their actions are lowering my credit score further while I am taking the proper actions to raise my score. My card usage was up due to international travel yet I have been making significant payments to lower those balances and have not been late on payments with any of my creditors. Their actions are detrimental to my credit at a time when have not done anything wrong other than use credit that was available to me.
Consumer complaint received 2019-10-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (NV)

My new mortgage was sold to PennyMAC this year. 
I attempted to make the first payment with the PennyMAC online payment website, XX/XX/2019. 
It was not functioning. It went to an error page. Calling the " customer service '' line was futile. The recording said there were 143 people in line ahead of me. I could use the automated phone payment service though - but at a {$15.00} service fee! Calling any one of their " customer service '' lines resulted in no contact in order to resolve my issue [ I could not have payed over the phone with an automated service anyway, since my house payment came from two different banking institutions. ] I finally took time off work to go to the post office to get money orders to pay my house payment. I have not received a payment conformation or any contact from PennyMAC. 
Today, XX/XX/2019, I tried to pay my house payment online at the PennyMAC payment site. I have my military and XXXX pay going to one account now [ with the XXXX XXXX XXXX XXXX through XXXX ] and tried to register it at the payment site. The site said that XXXX 's routing number was not valid. It is the same routing number XXXX offers to all clients, customers and other banking institutions. That is how my government direct deposits get to XXXX Bank. This is the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do believe their routing number is legitimate. 
I tried calling PennyMAC 's " customer service '' numbers. Several of them. This time there were 400 people in line in front of me and one automated answerer said that I would have to wait 40 minutes to get an agent. BUT, I could use the automated phone payment service for the {$15.00} " convenience '' fee. This is called EXTORTION. 
I looked PennyMAC up on the XXXX website. There is nothing but complaints about this operation resembling mine or worse, like hidden fees, service charges for late payments and sending harassing foreclosure notices to individuals, like me, who were unable to make their house payments due to PennyMAC 's incompetence - or perhaps by PennyMAC 's design.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CT)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX for XXXX XXXX XXXX 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
Consumer complaint received 2019-10-01
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: Experian Information Solutions Inc. (TX)

I CALLED REQUESTING ANSWERS AS TO : How and why did my credit score dropped 15 points ; and I was told about something that happened more then two years ago. I also was told since I have a XXXX balance on my opened credit accounts, and I am not using them on a regular base, that to will cause a decease. 

However, I told the bureau that over two years ago, I turned a vehicle back to the : Lending company, and was not told that it will reflect a navigate, if and when they resell the vehicle. 

Also, regarding the credit card accounts, I had paid them off around XXXX or XXXX of XXXX. I told the bureau, that when I paid them off, it did not show any navigate reflections against me ; therefore, I asked again, why am I receiving 15 points  taken away from me. 

Non of the bureau would or could answer that question. I was told to talk to a financial Advisor, which I did. I called XXXX Financial department, and they could not explain why the 15 decease based on my dispute with the bureaus. 

My theory there's a conspiracy of keeping some consumers in a bind. I state this because, many times in the pass this issued happened where the bureaus would take from 10 to 20 points from my credit report, but when any errors or corrections take place, they would issue maybe 1-3 point in return ; which is bogus.I am very disappointed regarding how this is going for me. My social security number was compromised in XXXX, and its has taken me over 15 years to rebuilding due to Government listing my social security number on a unemployment form that was mailed to my resident ; and I am continually fighting to keep my credit in good standards. 

Please look into this matter. 

Thank you in advance XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX
Consumer complaint received 2019-05-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (MO)

I canceled my homeowner 's insurance policy with XXXX XXXX for XXXX XXXX XXXX XXXX, XXXX, MO on XX/XX/XXXX, and obtained a policy from a competitor. Never heard a word until XX/XX/XXXX, when my credit report showed a collection from Credit Collection Services for {$180.00} from XXXX XXXX. I immediately called XXXX XXXX who stated the {$180.00} was for XXXX through early XXXX. I explained that I canceled my policy and they became rude and uncooperative. I am filing a complaint that XXXX XXXX reported and sent to collections a debt an amount that was never owed by me nor did they ever contact me regarding the issue.
Consumer complaint received 2021-03-07
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/ original creditors several times that these accounts do not belong to me. I have not in any way received goods or services from these companies and i have provided my police reports, my FTC ID THEFT affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2021-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/XXXX, I disputed the account for XXXX XXXX  - XXXX XXXX XXXX XXXX it shows as open and I'm currently late. The account was closed and sold in XXXX or XXXX. I paid the new company in full in XX/XX/XXXX. Both the company and the credit reporting agencies ( XXXX  and Transunion ) continue to report inaccurate information, even after I've provided them with the correct and updated information. XXXX XXXX XXXX, XXXX provided me a letter stating, the account has been sold, but they continue to update with erroneous information. 

XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX Paid XXXX XXXX XXXX XXXX XXXX XXXX account was sold to ) in XX/XX/XXXX Notified XXXX, Transunion , and XXXX  XXXX XXXX in XX/XX/XXXX and again XX/XX/XXXX to correct credit report. 
XX/XX/XXXX - XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX updated erroneous information again.
Consumer complaint received 2019-05-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (IL)

On or about XX/XX/2019 my mortgage loan was sold and transferred from XXXX XXXX XXXX to Loancare LLC. I did not recieve a new loan number until on or about XX/XX/2019. At which time I mailed in my monthly payment because if i tried to make an online payment or a payment over the phone i would have incurred additional fees. As of XX/XX/2019 my mortgage is now being recorded by loancare llc as 30 days late. I was also told by XXXX XXXX   that for the first two months of the transaction process I would not incur any late fees. However to my frustration the first bill i got from loancare llc not only was i charged the {$18.00} late fee but an additional {$410.00}. I have tried to reach loancare via their customer service line XXXX only to repeatedly get put on hold at times for over an hour. After which i elected to have them call me back with the next available service rep. That was on XX/XX/XXXX about XXXX XXXX   and to this date i have not recieved a call back.
Consumer complaint received 2023-08-25
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: REGIONS FINANCIAL CORPORATION (CA)

My credit report is showing a debt and judgement owing to Enerbank USA out of Utah. Unfortunately after numerous attempts to satisfy this debt, Enerbank and their " Confidential '' attorney 's office handling the file, have repeatedly refused to help me or send any information to aid in the payment of this supposed debt. 

On Thursday XX/XX/2023, I requested information pertaining to the debt that has been reporting on my credit report. When I spoke with the representative, she said my request has been sent to the Attorney 's office handling it and I should receive information shortly on how to pay it off, if the debt is legitimate. I waited patiently for over 3 months with no email, phone call, or text message from the creditor ( Ener Bank ) or their " Confidential '' attorney. 

On Thursday XX/XX/2023, I again reached out to Ener Bank to try to obtain any information I could to try and resolve this negative impact on my credit report. When I spoke with the representative, she was unable to give me any information on the amount of the debt, how to pay it ( if it is even owed ), which attorney is handling the debt for their office, the name of the attorney 's office who is handling it, how to resolve the supposed debt, when I would hear from the attorney 's office that is handling it, contact information for who could help me either make a payment or how to verify this debt is accurate. 

I have had several months elapse where I have not ben able to satisfy this debt due to the secretive and disorganized nature of this creditor. My credit rating has suffered and now this account has likely accrued 3+ months of interest that should not have been accumulated on this supposed debt.
Consumer complaint received 2019-05-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (WV)

On XX/XX/XXXX I contacted the person selling tickets to the XXXX XXXX on XXXX. I sent an email and they stated they had digital tickets that they could transfer to me upon payment through Zelle. I requested payment through XXXX but they stated that they did not except it. Zelle was already integrated into my XXXXXXXX banking app and I initiate a transfer of {$680.00} to the seller. The seller and stated they would transfer the tickets to me after which time they did not complete the transfer and stopped communication. The persons email address associated with your account is : XXXX and the holder was XXXX XXXX. Zelle is not helpful in resolving these matters and I was directed to this resource as a source of support.
Consumer complaint received 2019-09-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (LA)

XXXX for XXXX dollars reported on XX/XX/XXXX and opene don XX/XX/XXXX I requested that they Send the following information : - equifax has no information on the original alleged creditor an has failed to provide infomtion about this account reported as a collection
Consumer complaint received 2022-06-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XX/XX/2022 A an account at Bank of America was opened in my name along with online and mobile banking services. They used all of my contact information as well as my personal information. They had my social security number, email, phone number and date of birth,
Consumer complaint received 2019-10-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JH Portfolio Debt Equities, LLC (TX)

Was sent a letter on XX/XX/2019 by Credit Control LLC, stating that I owed this debt with XXXX XXXX XXXX , XXXX. This is at least the second company XXXX has sent this debt to for collection that I do not owe. I have disputed it previously on XX/XX/2019 with XXXX XXXX XXXX for the same debt with XXXX. Everytime I dispute it they just transfer it to another company to harass me.