davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

The following information was NOT AUTHORIZED to be reporting to my consumer report! The following consumer reporting agency has fraudulently and inaccurately. posted multiple negative items on my credit report without my given consent. This is directly impairing the efficiency of the banking system and is forbidding my of my GOD given rights These are the following accounts that need to be removed IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
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 — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

XXXX XXXX Hey I am authorizing a complaint on my behalf I cant believe you guys are taking advantage of me I am very upset the credit bureaus have not responded to me about my investigation I sent a letter/dispute I need these accounts deleted & updated these are the items I demand to be deleted. 

I demand these accounts be deleted immediately from my credit profile if not I will file for monetary damages because you are in violation of my rights of privacy. US code 15 USC 1681n. Unauthorized inquiries
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: Professional Credit Management, Inc (AR)

XXXX XXXX XXXX XXXX XXXX Arkansas is reporting XXXX XXXX on my credit reports that are for less than {$500.00}. Starting XX/XX/2023 medical debt under the amount of {$500.00} are to be removed from credit reports. XXXX has yet to do so. Please remove all collection under {$500.00} from my credit report. 

Account numbers : XXXX XXXX XXXX XXXX ( this is listed twice on my reports ) XXXX XXXX XXXX XXXX XXXX This are all for under the amount of {$500.00}
Consumer complaint received 2021-09-13
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: United Revenue Corporation (TX)

I do not know these accounts. These are hard to understand why they are appearing in my credit file without any identification and has a lot of missing information. I demand an investigation as to who is using my name and my information and using it to get services that will turn out in collections in the future.
Consumer complaint received 2022-08-12
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)

There are two accounts on my credit report I did not open. XXXX XXXX XXXX account # XXXX, and XXXX XXXX XXXX account # XXXX. Also, there are 3 accounts that are passed the statutes of limitations since the account was originally first reported on my report. These accounts have been well passed 7 years of reporting on my report. 

These accounts should have already been removed or deleted from my credit profile. XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX. All 3 accounts should be removed immediately. These hard inquiries I did not make, nor did I authorize for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did further research to see how these accounts was reported on my credit report without me opening these accounts. Based off Fair Credit Act all credit bureaus must be accurate with reporting to all 3 bureaus. In Accordance Fair Credit Act these companies listed has violated my rights. 15 U.S.C. 1581 Section 602 A states I have a right to privacy.

15 U.S.C 1681 604 A Section states. It also states that a Consumer Agency can not furnish an account without my written consent. 

My credit report also has in accurate reporting. All information reported should match up on all 3 bureaus the exact same way. A lot of the dates are different on each bureau, the amounts of balance owed is completely different on all XXXX bureaus. 
There are many errors throughout my credit report. Please check for accuracy.
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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

Please see attached FTC REPORT to remove all unauthorized inquires on my credit report. 

I have called Equifax, XXXX and XXXX for removal several times and they have refused to honor my right to an accurate, fair and equitable consumer report.
Consumer complaint received 2024-03-01
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. (FL)

THIS IS THE SECOND TIME I AM SUBMITTING THIS COMPLAINT CAUSE THE FIRST COMPLAINT STILL HAS NOT YET FIXED THE ISSUE OF THE ACCOUNT BEING POSTED ON MY CREDIT REPORT. THIS ACCOUNT IS CAUSING ME STRESS SINCE ITS PREVENTING ME ON GETTING A HOUSE. I URGENTLY NEED THIS ISSUE RESOLVED SINCE I AM PRESSED WITH TIME.
Consumer complaint received 2021-04-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A. (CA)

I bought a home to be built. The builder built it wrong making it unlivable. XXXX XXXX XXXX. I didnt live there. Homeless did. Finally, I lawsuit the builder and won last month. 
So the builder put the house together. I decided after the bad experience I would sale the house. So I sale it and get into escrow and find out that XXXX and XXXX put a lien on my house without notifying mail. I couldnt even receive US mail at that address for years. They fraudulently didnt contact me. I sent them a copy of everything Im telling you. The XXXX XXXX report and the XXXX report. Deadly mold.
Consumer complaint received 2018-10-10
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. (GA)

XXXX XXXX. has sold account to XXXX XXXX XXXXXXXX. This account was paid, and as a result it was removed from my credit reports. However, upon reviewing my reports today I see that it has been reinserted. It is against F.C.R.A. law to reinsert an item without notifying the consumer in writing ... I was not notified, and secondly, it is illegal to attempt to collect a debt twice ... I am appalled and quite discontent with this matter. 

I was informed by XXXX XXXX. that they did not verify this item, and that according to their records it was indeed paid in full quite some time ago. Furthermore, they informed me that it is inclined to be the erroneous e-Oscar verification that the bureaus so often make use of. No contract exist and this inaccurate and false reporting again. Please remove and do not reinsert or litigation will surely follow ...
Consumer complaint received 2019-03-01
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: FactorTrust, Inc. (FL)

the errors of inquires on my credit report are fraud I didn't apply for loans it was my XXXX XXXX son who lives with me my XXXX  XXXX son doesn't know that my credit and my name and social security number and my address are my own and only for my use due to his XXXX XXXX hurting his reasoning i don't want to pursue any criminal charges or law enforcement presents in the matter because he's XXXX   XXXX hurts his reasoning he wouldn't have known that my credit and my name and social security number and my address are my own and only for my use
Consumer complaint received 2018-01-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

After making numerous XXXX transfers into my Coinbase account, from my bank account. They will not let me withdraw any of this money to the same bank account it came from, with Coinbase saying its an unverified bank account. 

Have I been scammed? 

Keeping someones money against their will is theft, and I have reported their actions to the local XXXX Police authorities. The crime reference number I have posted to the Coinbase support pages.
Consumer complaint received 2021-05-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (FL)

On XX/XX/XXXXI applied for PSLF to Fedloan Servicing after making 122 payments under a qualifying employer. After calling Fedloan a few days later to check on any progress, I was told that I needed to use a PSLF help tool application to " speed up the process '' from the FSA/Dept of Ed website. On XX/XX/XXXX, I submitted the help tool application to Fedloan Servicing. On XX/XX/XXXX I received notification from Fedloan servicing that I had qualified 120 payments under a qualified employer for Public Service Loan Forgiveness, and had received the " trophies '' and congratulations for making 120 payments.

According to a Fedloan servicing representative, my loans are supposed to be at the final stage of approval with FSA/DOE. 
On XX/XX/XXXX, I contacted a Representative named XXXX at FSA/DOE through their online chat, who then transferred me to StudentAide.gov to check on the progress of my PSLF. In this chat the Representative " L '' ( they did not identify themself with a name or ID #, just " L '' ) told me that the " the approval process is done thru Fed Loans '', and " Fed Loans works internally with the Dept of Education, we can't see this process ''.

After this information, I contacted a Fedloan Chat Representative ( XXXX XXXX who stated that both Fedloan and FSA/DOE " both complete one and set no time frame due to the complexity ''.

My complaint is : I am not being given clear information from either my servicer or the FSA/Dept. of Ed.
Consumer complaint received 2021-09-13
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: A-L FINANCIAL CORP (CA)

Listen to me, I can't believe that you are still reporting this as charge off / collection. This is unfair! I need a 100 % accurate and correct report. Please be fair enough. I demand your agency to remove this inaccurate report from my credit as soon as possible.
Consumer complaint received 2018-10-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (VA)

Paypal authorized a fraudulent transfer from my bank to someone else 's paypal account. Paypal flagged it as fraudulent, and told me to have my bank refuse the charge. My bank did so. Now Paypal has set my account in a negative balance until they receive a refund. I can not close my account until the balance is closed, even though the original charge was fraudulent, and I so not owe paypal money. 

They are holding me responsible for the fraudulent charges.
Consumer complaint received 2021-09-13
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. (CA)

I strugged with financial extreme hardship impacted by the COVID-19 disaster. I had contacted the creditor, requested payment options. Many creditors announced proactive measures to help borrowers impacted by COVID-19. The CARES Act has forbearance and credit reporting requirements that applied to my situation. The creditor was required to provide forbearance of other flexibilities for repayment. The creditor was required to act under the CARES Act and not to report late payments to CRA 's and remove all late fees due to this pandemic. The creditor was required to comply with the CARES Act and report my account as current. However this creditor violated, breached the CARES Act requirements and escalated negative reporting, adversely affecting my credit rating. As a result, I suffered significant harm and was unable to apply for any type of credit card, auto or personal loan. The creditor was contacted multiple times by letters, with which I asked to reverse their negative reporting and update with good will credit reportng. I was discriminated and impacted by the creditor 's unawful adverse action.
Consumer complaint received 2020-10-11
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: Webcollex, LLC (CA)

Somebody has been using my identity to open credit card, loans that have not been paid. There is an unbelievable amount of accounts opened, and 41 hard inquires. I seriously need your help I do not know what to do. This is insane. I do not trust anyone please help. This has made my life very difficult. I was receiving fake letters from banks that I was approved, I received credit cards that were fake and didn't work. How am i suppose to fix this, I can not believe it. 

Now that I need working capital for my businesses I'm getting denied. How am i suppose to buy a house. I don't know what to do. My car is soon going to be repo because I cant get any help from anyone. Please tell me there is a way to fix this.There is phone numbers that are not mine, jobs I dont know
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 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 2021-09-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (LA)

This company feels they do not have to follow the law. For months now I have tried to reach them via phone and only gotten voicemails, luckily I left my email Even though they are well aware this is not my account, they refused to remove the misinformation with out me paying for it which is extortion. 
Attached I have included some of the correspondence from their secretary that refused to forward my information to a supervisor. 
By federal law they have to send me a letter via us mail then allow me 30 days to respond after that they can post the account on my credit bureau but they chose to ignore the federal law and just post this information on my report with out verifying or validating the debt. I have disputed this misinformation with my three credit agencies They immediately respond with in days that the information is accurate, has been validated and I had made a payment directly to them, to make their lie more solid.

This debt company gives all debt collectors buyers, and any other debt business a bad name they should be fined and or closed they act as if this is a game, they have cost me thousands of dollars, job oppurties, as well unnecessary stress. I filed a complaint early with the XXXX XXXX XXXX and this company has more than 113 complaints this year alone.
Consumer complaint received 2021-09-13
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: Pacific Credit Exchange Corporation (CA)

I do not know these accounts. These are hard to understand why they are appearing in my credit file without any identification and has a lot of missing information. I demand an investigation as to who is using my name and my information and using it to get services that will turn out in collections in the future.
Consumer complaint received 2019-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Diversified Consultants, Inc. (IL)

The dates are showing open. The original creditor ( 11 XXXX ) is over ten years old. This debt collector ( Diversified Consultants ) is using revolving debt practices against me. Also, it's only being reported on XXXX  credit Agency. XXXX  credit Agency removed this about account years ago because of resetting the legal clock tactics.
Consumer complaint received 2017-09-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MA)

In XX/XX/XXXX, I noticed that my mortgage payment increased by approximately {$500.00} per month since XX/XX/XXXX. In the account statement, I found that the difference was due to a substantial increase in my escrow account ( from {$87.00} to {$500.00} per month ). The mortgage company, XXXX, paid out {$1400.00} from my escrow account, causing a negative balance in my escrow account and the increase of my monthly escrow payment. My real estate property tax was analyzed by the escrow department of this company ( XXXX ) in XX/XX/XXXX, however, it is incorrect because my real estate taxes have never been that high ( I have been in my current residence for 8 years ). This was confirmed by my city tax collector.
Although XXXX paid out {$1400.00} from my escrow account, my real estate property taxes were in fact never paid. I received a warrant noticed from my city that I did not make tax payments. When I called, the city tax collector informed me that the mortgage company has not paid my taxes for the last 3 quarters and that I will have a lien on my mortgage if I do n't pay soon. The total amount of taxes I owe to my city is currently {$500.00}. The amount of overage that XXXX has charged me is {$830.00} for XX/XX/XXXX and XX/XX/XXXX. 

I reached out to XXXX on XX/XX/XXXX for this matter and received an automated response. I never received any call backs. Since then, I called numerous times and spent hours on the phone trying to resolve the issue, but nothing occurred. On XX/XX/XXXX, I mailed a letter per CFPB suggestion. I have attached the letter in this complaint. On XX/XX/XXXX, I called again and spent 2 hours on the phone. A representative ( XXXX, agent # XXXX ) told me that a supervisor will call me back. When the supervisor called, I could n't answer the phone and this supervisor left a message stating that her name is " XXXX XXXX '' and left me the XXXX  number without an extension. When I called in the morning of XX/XX/XXXX, a representative told me that I can not reach XXXX XXXX because it was never indicated in the notes that XXXX XXXX indeed called, and that I need to continue to wait for a supervisor call back. 

I no longer have any confidence that XXXX  has any intend on resolving this enormous error nor can I tell whether this error was made intentionally or not. On XX/XX/XXXX, I sent customer support an email request to immediately close my escrow account and not to disburse any further payments from my loan account.
Consumer complaint received 2017-09-18
Product: Student loan — Private student loan
Issue: Getting a loan — Qualified for a better loan than the one offered
Company: Navient Solutions, LLC. (NJ)

When I was a student at XXXX XXXX in XX/XX/XXXX, the XXXX XXXX XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX 's office pressured me to refinance consolidate my XXXX and XXXX loans to a XXXX XXXX loan where I would end up being required to pay over {$80000.00} to XXXX XXXX, now Navient, instead of the {$36000.00} to XXXX XXXX XXXX. I was out of work for a prolonged period to care for my daughter who was stricken with a very rare form of XXXX XXXX. XXXX XXXX and Navient pressured me, on several occassions between XX/XX/XXXX and today, to accept forbearance instead of deferment, and now the payoff amount is very high, and I feel that i was pressured and harassed, and that the lender did not work with me to provide me appropriate choices. Now I feel my families financial future is ruined, and I wo n't be able to pay medical bills for my daughter or save any money for my children 's college education. Now I am in default because I have been unable to negotiate an acceptable solution. I have paid the principal and quite a bit of interest, but feel it is unfair to pay Navient {$80000.00} for a loan of {$27000.00}. And it was unfair of them not to allow me to defer payments while my family suffered a catastrophic health care crisis. Please let me know how I can get some help with this.