davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-22
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. (TX)

XX/XX/2021 : exercised right to rescind the contract due to XXXX XXXXS fraud. as evidenced on the XXXXecords, i.e. credit reports, fraudulently -- no lawful nor legal consent was given -- created and stored by the accomplices and accessories XXXX XXXX aided and abetted, in disregard to the laws, XXXX XXXXS has criminally and publicly committed fraud, defamation of character and libel crimes while, again, aiding and abetting, which is another crime, third parties, i.e. XXXX, EQUIFAX, and XXXX, all of which are accomplices and accessories -- by way of negligence or not -- to assist in carrying out the unlawful and illegal offenses, crimes and violations against XXXX XXXX and causing severe personal injury and damages to XXXX XXXX and authorized representatives.
Consumer complaint received 2017-12-22
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: WELLS FARGO & COMPANY (CA)

XXXX XXXX XXXX in XXXX Ca, submitted my credit application to other lenders without disclosing to me that they would be seeking other lenders. I was pre-approved with XXXX XXXX XXXX for the loan and did not request them to seek other lenders. 

Due to their negligence and actions It has damaged my credit rating with additional hard inquiries placed by the other lenders on my XXXX credit report
Consumer complaint received 2024-05-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC. (PA)

We fell into a XXXX XXXX in XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX XXXX and needed XXXX, our XXXX XXXX XXXX XXXX XXXX everywhere, XXXX XXXX XXXX, Exeter did give a deferment for 1 month, we are a XXXX income family, we made a payment in XX/XX/XXXX asking for another deferment, asking for our payment to be directly withdrawn they denied both, calling us and XXXX XXXX, they called my XXXX at his XXXX after asked not to cause he is prohibited calls at XXXX he was suspended 1 week after the first call with no pay, we emailed them and told them verbally not to call the called again another week with no pay, again we emailed and verbally told them they called again XXXX XXXX lost his XXXX, we XXXX XXXX XXXX due to being jobless from XXXX calls at work after being told stop, then they reached out to XXXX XXXX not even knowing if she was related calling her every XXXX hour mind you she is XXXX and was very confused by the matter. I told them I was gon na file XXXX, I asked for deferment, I explained to them all I could every different again telling me they were notating the account, I talked to managers her name was XXXX, I gave pictures of their calls every half hour XXXX and from a local number in XXXX XXXX We do not live at XXXX XXXX XXXX anymore but our mail is being held at the XXXX XXXX until we get an address thank you
Consumer complaint received 2019-10-06
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: FACTUAL DATA CORP. (PA)

I have noticed that FACTUAL DATA have placed an inquiry on my XXXX credit file dated XX/XX/2019. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested both FACTUAL DATA and XXXX to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''
Consumer complaint received 2018-08-18
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. (NJ)

On XX/XX/XXXX I applied for a parent loan for my child going into college. I was denied this loan and advised that a charged off account was added to my equifax credit report. I called the credit bureau and had to wait for a copy of this report to be mailed to me. I then learned that a relative had a charged off with a credit card company between XX/XX/XXXX-XX/XX/XXXX. In XX/XX/XXXX this relative 's debt appeared on my credit file and showed me being an authorized user on the account. I had no knowledge of this account or my alleged status of the being an authorized user. I contacted Equifax and submitted a dispute of the information. I also have been calling this financial institution and advising them that I never gave my consent to be added to this account and have requested that I be removed and provided with any proof of my relationship to this account. As of today, this company has been unable to provide any of this documentation and has continued to say that they need to check their records. I even had the person who's account it was provide me with a letter saying that they have no knowledge of me being associated with their account and wishing to have me removed from this account as an authorized user. Despite this information, Equifax completed " its investigation '' with no supporting documentation from this company and will not have me as an authorized user removed from my credit profile. I am unable to get any resolution with this bank or equifax. I never had this card, used this card, made any purchases, or participated in any of it's debt accumulation.
Consumer complaint received 2019-07-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (CA)

Since XX/XX/XXXX we have been actively attempting to obtain a payoff quote for our HELOC held by PHH Mortgage so that we may payoff and avoid foreclosure proceedings. The HELOC matured in XXXX, XXXX while we were in Chapter XXXX reorganizational bankruptcy ( filed on XX/XX/XXXX and discharged on XX/XX/XXXX ). We have been trying to work with Ocwen Financial the HELOC holder, now PHH Mortgage ( XX/XX/XXXX ) to resolve. We were advised by Ocwen/PHH that modification and payments would not be accepted. The only resolution to avoid foreclosure was to payoff the loan in it's entirety. 

We have secured loan funding which is ready to close but we have been unsuccessful in obtaining a valid payoff quote. We were advised that a payoff quote was forthcoming on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. When I requested a verbal quote I was told it was not available in my file. I was also told a Relationship Manager was assigned but have been unable to reach or receive a call back. Instead I was placed in a holding queue receiving inaccurate or conflicting information at every call. I was advised on XX/XX/XXXX that a payoff quote was issued and would be faxed to our Escrow Officer. The payoff would be good through XX/XX/XXXX. I was advised again today, XX/XX/XXXX, that the quote was faxed to Escrow Officer on XX/XX/XXXX - it was not. They also could not provide the figure of the payoff verbally, We have also tried to contact XXXX XXXX, XXXX the Foreclosure Attorney leaving a voice mail ( only option provided when voice mail box was not full ) to no avail. I have spent in excess of more than 30 days and over 24 hours of cumulative hold time spent trying to avoid foreclosure proceedings and payoff the quote. Please note the 'Notice of Default ' that was filed on on our property on XX/XX/XXXX only provided PHH contact information by which to obtain a payoff quote and lists 90 days to resolve. The payoff figure listed showed a good through date of XX/XX/XXXX ( we received on XX/XX/XXXX ). We are nearing the expiration of the Default with foreclosure impending. Again, we have loan funding at the ready to close but can not get a payoff quote. I find this to be completely unacceptable and as such have filed a complaint with the XXXX XXXX County Consumer affairs. I will also be filing a complaint with the Consumer Financial Protection Bureau and seeking legal counsel. I respectfully request escalation of this issue with immediate resolution in the form of a payoff quote.
Consumer complaint received 2018-08-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION (VA)

I have repeatedly been called by people representing Navy Federal Credit Union ( XXXX ) -XXXX. I was called multiple times in regards to two separate people on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. On Three occasions I have spoken to XXXX and XXXX ( shift supervisor ) and today I spoke with Mr. XXXX. Me XXXX said I would continue to receive calls because of the skip services they use to find members. I have repeatedly asked for my phone number to be removed and for all calls from them to cease.
Consumer complaint received 2022-02-22
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. (NY)

On XX/XX/2022 Best Buy Credit Card blocked my account due to suspicious activity. I called them to clarify, and get verified but they wouldn't do anything to help me, aside than just saying we'll call you back to verify the account which they never call back. I would really appreciate your assistance in trying to get this resolved and my card unblocked. I have called them multiple times to get this resolved and they unblock my card for a few days and re-block them, and they say someone will call me to verify my account but they never ever call. I would like your assistance in helping me resolve this issue, and to find out what's going on with this credit card company that they keep playing games with me, and honestly is getting to be extremely frustrating. I understand they need to verify accounts if they have suspicious activity, but they don't even try to verify the account like other well managed credit card companies that they will ask you very personal questions to verify the account, and even have you take a picture with your valid id, maybe they should learn how to operate and treat customers like people.
Consumer complaint received 2022-02-22
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. (OK)

I have an unauthorized inquiries on my Equifax and XXXX credit report. 
Inquiries with Equifax are : XXXX XXXX XXXX are : XXXX XXXX, XXXX, XXXX  and cXXXX XXXXs
Consumer complaint received 2016-02-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

Equifax and XXXX are reporting a {$93000.00} dollar deb in my credit reports and this is a mistake make by the child support system. After a lengthy proses trough the court systems I was able to correct this problem and the judge finally signed the order to remove the deb. So since XXXX XXXX 2015 my balance is {$0.00}. but this above mentioned credit agencies refuse to remove the information from my credit file despite my efforts to provide copies of the original court orders and XXXX requests to remove it. They just do n't care. Equifax have the information twice on the same report making my XXXX XXXX X XXXX = XXXX this is what creditors see when I apply for credit that I have an outstanding debt of {$180000.00} and this is impairing me from buying a house or a car. 
I am writing the CFPB as my last resource of dealing with this credit agencies. Please help me with this problem. 
Thanks. 
XXXX XXXX
Consumer complaint received 2018-08-18
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: Experian Information Solutions Inc. (TX)

On XX/XX/2018 I started the process to dispute unverified information on my credit report as reported by the three major Credit Reporting Agencies ( CRA ) or bureaus, XXXX, Experian and XXXX. As of XX/XX/2018 and through 4 rounds of letters sent by certified return receipt, the items I disputed still remain on my credit file as unverified. Experian was the one CRA that would not respond to my 4th letter, stating they had previously processed my dispute and information was verified. I would like to submit this complaint on them for your investigation.
Consumer complaint received 2021-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

I have been trying to remove a freeze on my credit reports for a debtor to get them. Even though the credit reporting agencies state that the security freeze have been temporarily removed, the debtor is not able to pull my credit reports.
Consumer complaint received 2019-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

Because I should not include personal information, I will strictly be using initials. Full former ( maiden ) and current legal name will be provided upon request. 

I requested a credit report from Equifax on XX/XX/2019 - and discovered that they have falsely reported my maiden name ( former name ) as my current name, and my present legal name as my former name. To be more specific - I was previously XXXX XXXX and have since married, becoming XXXX XXXX Equifax 's records indicate I was once named XXXX XXXX, and am currently named XXXX XXXX. 

I filed a dispute with Equifax to correct my current legal name to XXXX XXXX on XX/XX/2019 by mail. With the dispute, I gave Equifax the following information : 1. NY State Marriage certificate to show previous and current names, 2. Copy of my Social Security Card showing my current legal name as XXXX XXXX, and 3. Copy of my New York State ID  showing current legal name as XXXX XXXX XXXX included a cover page which stated the mistake and the expected correction. 

Equifax sent me an acknowledgement of dispute received and its the dispute result on XX/XX/2019. The Equifax Dispute result shows Equifax refuses to correct my legal name to XXXX XXXX, and acknowledge my legal name change. There are consequences for this issue - which affects my credit history and future creditworthiness. 

I have a long history of credit under XXXX XXXX and since having changed to XXXX XXXX, I am unable to access the credit to which I am due.This is a proactive approach, because I know that under XXXX XXXX, there is no history with Equifax. A simple example of this is when I try to prove my identity over the phone and on Equifax 's website. They do not have a record of XXXX XXXX. - which means, that should I ever decided to leverage my good credit worthiness. I will duly fail. 

I would like to correct this on my Equifax profile. I have all pieces of evidence documented with a thorough paper trail, and seek your expertise to compel Equifax to correct their mistake. I look forward to hearing from you.
Consumer complaint received 2024-03-29
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Paypal Holdings, Inc (AZ)

On XX/XX/XXXX there were XXXX atm withdrawals at a XXXX for XXXX each at XXXX and XXXX this is a pay pal XXXX debit only I had my card the entire time I must have been skimmed at a gas pump or somewhere and my card was cloned and used to withdrawal money! Pay pal denied me saying I authorized this withdrawal. I had my physical card and nobody in the world knows my pin they dont seem to want to look into this very much they just simply denied my case let alone there isnt a single way to speak to a human for a resolution I feel that this isnt right on there part they should value there customer no matter what I use pay pal everyday I load it once a week I just dont know why it seems like they dont really want to look very far into this like contact the atm provider and see the cameras or anything like.. idk
Consumer complaint received 2022-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

This is now my fourth complaint about my case with Chase. Every step of the way I have provided Chase with information and they keep coming up with new reasons to deny my claim. Every time they deny my claim and provide the reason why, I have provided proof as to why they are wrong, and then they come back with a new reason to deny it. For over a week I have tried to reach a manager at the executive office who can handle my claim, because the person on my case is either never in the office, unreachable on the phone, or when I can reach her- she can't provide ANY answers to my questions or any useful updates. Every time I ask for a manager they say it will be 24-48hrs for a call back, but I've asked for this for over a week and never received a call from a manager. I spoke to my family lawyer about my case, gave him all the proof and details that I've given chase, and he said this should be sufficient to be protected under Regulation E. Chase keeps coming up with new reasons which make absolutely zero sense and have zero proof behind them. At this point, it does look like I will be opening a lawsuit not only to recover my funds but for damages as well. My bank account has been negative for over 10 days now, nobody is reaching back to me, and I have bills to pay. I'm in XXXX XXXX  with zero income- but my parents will be paying for a lawyer to arbitrate. Chase has not held up their fiduciary responsibility and has not treated me right as a customer, they keep making me run in circles rather than speaking to me or providing me with any information.
Consumer complaint received 2022-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

n accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-02-22
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. (OK)

I have an unauthorized inquiries on my XXXX and TransUnion credit report. 
Inquiries with XXXX are : XXXX XXXX TransUnion are : XXXX XXXX, XXXX, XXXX and XXXX XXXX
Consumer complaint received 2022-02-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (FL)

IC System Inc XXXX has two collections reporting on my credit, each is for the identical amount of {$180.00}, reference number XXXX, they said they received this information from XXXX XXXX XXXX XXXX XXXX in realation to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date of service they report are XX/XX/2017 and XX/XX/2017, I have contacted both providers and confirmed that I don't owe them any money, IC systmem told me to contact XXXX XXXX which I did with a conference call joined by IC systmem, they said I have to provide proof these are paid and I don't have proof because the bills were paid as I received them, I asked them to call the providers to confirm that I don't owe them money and they insist I have to provide proof which again I dont have other than the fact that I don't owe these providers any money. This is causing my credit score to suffer and I'm trying to purchase a home, seems unfair that they say I have to pay this if I can't provide proof yet they will not contact the providers to confirm I don't owe money
Consumer complaint received 2022-02-22
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. (AZ)

EQUIFAX is reporting information on XXXX XXXXXXXX account that is incomplete and inaccurate. I never gave EQUIFAX written consent to report this account on my consumer report. The account details, nature of the dispute, and verification documents are listed in the attachments.