davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-18
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (VA)

I've sent several letters to Equifax & XXXX regarding a Bankruptcy that's showing on my credit report. I've asked them to provide me with proof on how they did their investigation and how they came up with verified results. On my credit report they state that "public record items Equifax obtained from the local, state, and federal courts through a third party vendor, XXXX. I don't see how they can have anything on my credit report from a "third party". Also, I recently received a response from Equifax dated XX/XX/XXXX stating they once again verified a Bankruptcy after I sent them another letter on XX/XX/XXXX. ALL of this seems that they are committing fraud by giving false information. I say this because, 1. I contacted the United States Bankruptcy Court and received a letter stating that they DO NOT report any information to any credit bureau. 2. I've had a freeze on my XXXX account since XX/XX/XXXX. SO HOW is it that Equifax and XXXX said they verified this information with XXXX since after XX/XX/XXXX??? I find that the lies and these practices are illegal and I'm suffering from the credit bureaus not following the law.
Consumer complaint received 2023-03-24
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The 3 credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

In regards to my credit report and scores I have been unable to receive or view my information. I have contacted Equifax more than 6 times over the course of 2 years with letters and phone calls to the Equifax. Equifax has caused me to be unable to get jobs, a car, loans, and housing due to this issue. Equifax has not provided me any help or explanation to why i cant see or receive my report and score.
Consumer complaint received 2020-07-15
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: CITIBANK, N.A. (CA)

I contacted each company regarding illegally pulled hard inquiry. Each confirmed XXXX sent them my information and no inquiry shouldve been pulled. All inquires still remains, several are doubled on my report.
Consumer complaint received 2018-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (OR)

I REPORTED FRAUD ON MY CHASE VISA CARD AFTER I RECIEVED MY STATEMENTS AND SAW A CHARGE THAT I DID NOT AUTHORIZE AND I HAVE NO IDEA WHO THIS COMPANY IS XXXX XXXX XXXX   THAT CHARGED MY ACCOUNT FOR XXXX. I CALLED CHASE VISA AND SPOKE TO A REP WHO FILED A FRAUD COMPLAINT AND SAID THAT I WOULD GET MY CREDIT BACK ON MY CARD, WELL CHASE VISA SENT ME A LETTER SAYING THAT THE CHARGE WAS TOO OLD AND THEY WERE NOT GOING TO GIVE ME THE CREDIT BECAUSE THE CHARGE WAS FROM XX/XX/2010. I REPORTED THIS CHARGE BACK WHEN I SAW IT ON MY STATEMENTS AND NOTHING WAS DONE SO I REPORTED IT AGAIN.. THIS WAS MONEY THAT WAS TAKEN OUT OF MY ACCOUNT WITHOUT MY AUTHORIZATION.. I LIVE ON A FIXED INCOME AND I CANT AFFORD TO HAVE MONEY TAKEN FROM ME FOR SOMETHING I DID NOT CHARGE MYSELF.. PLEASE HELP ME GET MY MONEY BACK
Consumer complaint received 2023-03-24
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violanted my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXX Account XXXX XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602. A. Stated 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any on the following items of information Any other adveerse item of information, other than record of convitions of crime which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-12
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (GA)

The problem description is incorrect but did not have a selection that fits. 

This loan was taken out in XXXX. I have been making payments, deferring, and forbearing ever since. The loan is at 14 % interest rate which now has my loan balance at 300 % of the principal. 

This loan should have been included in the Navient Lawsuit. 
The eligibility criteria : - You must have borrowed a private student loan from Navient or its predecessor, Sallie Mae, between XXXX and XXXX while attending certain for-profit schools like the XXXX XXXX XXXX XXXX XXXX XXXX XXXX and others. You can see a full list of schools at XXXX 

- Your loan must have been delinquent for at least seven months or charged-off before XX/XX/XXXX. 

Based on my payment history I meet this criteria, as well as, had it not been for Navient 's outrageous interest rates this loan should have been paid off. I have spoken with a Navient representative and attached the transcript of the chat session Navient is guilty of unfair practices and taking advantage of it's borrowers. 

Thank you for your attention to this matter.
Consumer complaint received 2022-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I would like to file a complaint against capitol one due to an ongoing dispute that keep getting denied. I have sent in all documents requested showing my hotel room was broken into while on vacation. The hotel advised they would not charge me for my stay due to the inconvenience. Im a loyal customer with capitol one and do not feel this situation is not being handled to the highest standard. 

Re : Claim # XXXX for account ending
Consumer complaint received 2023-01-11
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. (NV)

In accordace with the Fair Credit reporting act. The List of accounts below has violated my federally protected consumber rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX08-30 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 instruction 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-06
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. (NY)

This letter serves as my final demand regarding the ongoing dispute over the inaccurate and invalid negative account that continues to be reported on my credit report. Despite multiple attempts to resolve this issue, you have failed to correct the discrepancies in reporting across the credit bureaus, which is a direct violation of the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2019-08-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (IL)

I’m in over my head with this loan. I started with one loan and then was offered an opportunity to take another loan, that tacked on the balance of the first loan to the new loan and gave me a different payment amount and more total payments due. Then I received another loan offer that tacked the previous two loans onto it and gave me an even higher loan payment and extended the number of my loan payments to an even longer period. I got lost with what was actually what, became overwhelmed by the overall costs of these groups of loans, that were condensed in one larger payment, for even more months. And like a house of cards, everything became overwhelming and fell apart. I went into the office in XX/XX/XXXX and made a payment. I also arranged for a payment to be paid by pre-dated check, in XX/XX/XXXX. The XXXX  payment that I arranged was taken, along with additional electronic payments (that were not authorized by me)...which in turn threw the account that these payments  were debited from (my checking account) into the negative & fees incurred. Nothing was done to resolve this issue, it was deemed to be my fault because the One Main account was behind anyway, and no adjustments were made to compensate for the damage done to my checking account. I refused to allow them to debit my checking account again, which made this account even further delinquent. At some point, I no longer knew where or how to properly come to terms with One Main & stop trying & stopped responding to their attempts to contact me.Now they are threatening to sue me for payment and attorneys are constantly seeking to represent me. I have no money to give them or any of these attorneys wanting to represent me, due to other financial issues that have come as a result of attempting to fulfill my obligations to them, as well as my other obligations.That’s my dilemma.
Consumer complaint received 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (FL)

I had a nearly 2 years of positive, paid on time credit report for Target credit card. I received bills on time and subsequently, I changed to paperless billing. 
I made a {$20.00} purchase in XX/XX/2018. I never received an emailed bill in XXXX, XXXX, XX/XX/2018. It was coincidence that I discovered a delinquency on my credit report. XXXX online showed I was being charged for the {$20.00} and late payments. 
Not once in those 3 months did I EVER receive a bill in my email re : my accounts. I immediately called about the absence of bills, was given no explanation nor apology, so I then cancelled my card. I felt this was a fraudulent practice by Target in NOT making sure bills were emailed. 
Anyone can see that years of spotless credit use and payment, that 3 month 's past due is not reasonable nor usual, especially for -- -- {$20.00} -- -- balance.
Consumer complaint received 2022-04-07
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act 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 an account without my written instructions 15 U.S.C 1692C A. : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code 1692b : not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information
Consumer complaint received 2021-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

HSBC has block my account without any valid reason, to protect me they said. They unwanted protection cost me a bunch of late fees on different account, a notice eviction, and I have to borrow money in order to pay basic stuff like foods, water, electricity. I would like them to refund {$1000.00} of late fees on other account, eviction fees and other fees i have incurred. thanks
Consumer complaint received 2021-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

I have tried contacting Equifax many times prior to submitting this complaint just trying to access my credit report online. Upon calling them they asked me security questions which I answered all correctly but then was told that I had to verify myself once again through XXXX  which I obediently did. For whatever reasons, they claim to have not been able to verify me and I was told to send in a copy of my social and ID to XXXX XXXX. I have already done so two weeks ago and still have not received a reply from them nor have I been able to access my credit report.
Consumer complaint received 2020-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (CA)

I filed a dispute with this company about a bankruptcy that was reported the bureaus my file. I notified them that I had not filed for bankruptcy. On XX/XX/XXXX I was notified that this bankruptcy had been removed from their files. I keep disputing this same account with experian and transunion and they keep telling me that lexisnexis is certifying that it is reporting accurately. I recieved 2 false reports from lexis nexis providing that the information was removed. I noticed that my professional record was removed but the section was still in the report and when it comes to this bankruptcy the whole section isnt there. They are trying to make me believe it was deleted from my file bit when I applied for credit I was  notified on XX/XX/XXXX that there was a bankruptcy on my report and the reason I was denied credit with this company. XXXX XXXX pulls from lexis nexis and they told me that this bankruptcy is still there. They sent me a report with the bk section and then a few days later sent another without. Lexisnexis lied about their investigation and gave false information to me about my file. This is a clear violation and I intend to file full litigation against this company for such violations and defamation of character.
Consumer complaint received 2018-07-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (CT)

Ocwen is the loan servicing company. They foreclosed on my ex and I had to take the property back in court in order to sell, to stop the foreclosure. The first buyer got frustrated with their lack of response and backed out. With the second buyer, we got them to approve a short sale. The problem lies in the fact that they have no letter of assignments proving they legally hold the note. I tried to work with their dept of consumer ombudsman, they sent a letter saying there is a problem and told me to stop calling and its not their problem if it isnt sufficient. I have nowhere else to turn, Ive lost time and money on a property that the bank made unsellable.
Consumer complaint received 2021-04-06
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: EQUIFAX, INC. (GA)

My Name is XXXX XXXX and I'm not a huge fan of credit due to certain belief that I have. But recently I was applying for a mortgage loan on a house and had some take a look at my credit before fully committing. I then inquired some recent and not so recent fraudulent activity on my credit report. Looking through my transUnion I recently found several unauthorized inquiries on my credit report that weren't authorized my myself. And according to the FCRA ( Fair Credit Reporting Act ), Legally these unverified and unauthorized items must be removed! Thank you!!
Consumer complaint received 2020-12-08
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. (OH)

I have disputed items on my credit report due to they are inaccurate and unverifiable. The credit companies XXXX, Experian, and XXXX has not fixed the problem despite the evidence that has been sent via certified mail. According to the FCRA they are required under to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of there investigations and reinvestigations they stated in writing that they verified that these items are being reported correctly. Who verified these accounts? How did they verify these accounts? FCRA states that information has to be 100 % accurate which clearly it is not! They have NOT provided me a copy of ANY original documentation aka contract with my signature on it after asking them several times now! FCRA states under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) that they have to provide me with it if I request it which they haven't. Next they have failed to provide the method of verification they used as required under Section 611 ( a ) ( 7 ). These are the FCRA rules not mine so why aren't they following them? Lastly, under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. Which they have not done either, again why aren't they following the rules? Why do we have these rules if they aren't enforced or followed?
Consumer complaint received 2018-07-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAM National Arbitration and Mediation (TX)

A company identifying itself as XXXX XXXX began calling my family and me on XX/XX/XXXX for a supposed debt to XXXX XXXX for improperly closing an account in XXXX. I confirmed with XXXX XXXX ( through my accountant ) on XX/XX/XXXX and XX/XX/XXXX that there was no such debt -- past or present. XXXX XXXX not only used foul language and threatening tactics, but hung up on me several times and allegedly blocked my number. As they also threatened me with legal action and a subpoena, I called XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX to request documentation of the debt, etc. My calls were not answered, nor were my messages returned.
Consumer complaint received 2018-07-19
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Caliber Home Loans, Inc. (CA)

bad Credit report is preventing me from buying a home. 
Caliber is showing a missing XX/XX/2018 payment. I paid it on XX/XX/2018. 
Caliber reported it as a second payment on XXXX. 
The XXXX payment was made on XX/XX/2018.
Consumer complaint received 2020-11-25
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. (NJ)

Hello, I was reviewing my Credit report and I realized a few things that needs to be corrected. 

- XXXX XXXX - Account Number : XXXX On XX/XX/XXXX, All three Credit Bureaus reported this account to be 30 days late, however I use Autopay for this account. Please note, the auto debit has never been late. Please update my payment history to on time/ paid as agreed. 


- XXXX - Account number : XXXX Transunion reports the date the account was opened was XX/XX/XXXX where as XXXX  reports a date opened of XX/XX/XXXX ; XXXX  does report anything. 

Transunion reports the date last active was XX/XX/XXXX where as XXXX  reports the date last active to be XX/XX/XXXX ; XXXX  dies report anything - XXXX AES - Account Number : XXXX Transunion reports the number of months in the loan to be XXXX whereas XXXX reports the number of months to be XXXX ; XXXX  reports nothing. 

Transunion reports the date last active to be XX/XX/XXXX whereas XXXX  reports the date last active to be XX/XX/XXXX ; XXXX  reports nothing. 

XXXX  Reports that this account was 30 days late whereas Transunion and XXXX  reports nothing. 

XXXX  Reports that this account was 60 days late whereas Transunion and XXXX  reports nothing. 

XXXX Reports that this account was 90 days late whereas Transunion and XXXX  reports nothing.

XXXX Reports that this account was charged off ( CO ) whereas Transunion and XXXX reports nothing.
Consumer complaint received 2022-08-12
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. (MS)

in accordance with the fair credit reporting act XXXX XXXX account # XXXX, has violated my rights. 

15 U.S. C 1681 Section 602 A. States I have a right to privacy 15 U.S. C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.