davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I received your response, that you close my complaint that I sent, to Investigate the Erroneous Account : XXXX XXXX Balance : {$0.00}, that is UNKNOWN to me. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX days and yet the problem is still reporting in my credit file and you closed my complaint to protect my privacy. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I am submitting this complaint again, myself and attached a copy of my Drivers license, Social security card, and Utility bill to inform you that I am the one asking your help to investigate the inaccurate information listed in my credit file since the credit reporting agencies are not doing their obligations in my credit file.
Consumer complaint received 2021-03-23
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. (GA)

There was an inquiry from XXXX XXXX XXXX on my report. It was made in error so the fraud dept agreed to submit a request to the bureaus to have it removed. They submitted it but the inquiry remains on my reports
Consumer complaint received 2015-10-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA (FL)

I graduated XXXX in 2014 and called XXXXAES who now services my private loans. I asked them for an estimate of what my payments would be in XXXX when they come do and they finally gave me an estimate. I asked how long the repayment term was and they would not tell me. I would like to know how long my terms of repayment are.
Consumer complaint received 2022-11-23
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Account : XXXX XXXX - XXXX XXXX XXXXXXXX Account Number : XXXX XXXX Account : XXXXXXXX XXXX  Account Number : XXXX XXXX It has been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regard to a late payment. They have not supplied this information and they must delete the alleged late payments on my credit report. Under federal law they had 30 days to complete the investigation and by failing to do so, the item must be deleted from the report as soon as possible.
Consumer complaint received 2017-01-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (CO)

Mortgage loan ( first lien ) has been serviced by XXXX and XXXX XXXX XXXX since XXXX of XXXX. 
I have never missed a payment nor been late one time! XXXX service released the loan to Select Portfolio Servicing ( SPS ) in XXXX of XXXX. Now SPS charges {$15.00} per transaction to collect my payment online or by phone!!!!!! Is there any regulation prohibiting these exorbitant fees? No lender/servicer is charging these fees. I pay XXXX mortgage loans that are serviced by XXXX, XXXX, XXXX, and XXXX. NO ONE COLLECTS fees when the payments are mode online or by phone! Please help me. {$15.00} extra is a burden for me. Thank you. XXXX XXXX XXXX XXXXXXXXXXXX SPS : www.spservicing.com XXXX XXXX XXXX, XXXX XXXX XXXX, Utah XXXX XXXX
Consumer complaint received 2015-04-08
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: First National Collection Bureau, Inc. (IN)

I received a debt collection letter for an amount of over {$30000.00}, stating that it was originally for a XXXX credit card. I 've never had a XXXX credit card, nor have I ever had a credit line anywhere near that large. This is completely bogus. The company attempting to collect the debt is 'First National Collection Bureau '. I have read that this company has made numerous fraudulent collection attempts and I want to help to stop them for good.
Consumer complaint received 2022-11-22
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: CarMax, Inc. (MD)

I was advised by a Consumer Rights Attorney, These late payments on my account are against the law and I need them removed as soon as possible. 15 u.s. Code 1681a ( 2 ) ( A ) ( i ) states that my consumer report should not contain information regarding transactions or experiences between me and person making report. A LATE PAYMENT IS A TRANSACTION AND A NEGATIVE EXPERIENCE, therefore this account is illegal. THIS IS MY LAST TIME TRYING TO RESOLVE THIS, A LEGAL COMPLAINT WILL BE FILED IF THIS ISN'T FIXED.
Consumer complaint received 2016-05-02
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (CA)

My identity was stolen. False Macys purchase was resolved with Macys. The account has been closed. I get daily robocalls from a company claiming to be Citibank regarding the Macys account. Phone numbers are XXXX and XXXX.
Consumer complaint received 2018-05-27
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. (NJ)

I have written and called several times when I noticed several fraud accounts on my credit report. right now they are only showing on Equifax. I have sent in my ID Driver License with My Social Security Card. as PROOF OF ME. 

PLEASE HELP THIS IS RUINING MY LIFE.
Consumer complaint received 2022-11-22
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: EQUIFAX, INC. (FL)

I have attached an FTC report with an account that is not mine and is an Authorized user and I am not responsible for this account and want it deleted along with the inquiries I did not authorize
Consumer complaint received 2022-11-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A. (IL)

I am off work on medical leave with no pay due to severe health issues and have been off for three months with 0 income and don't know when or if I will be able to return. I have 0 savings and no money. Yet XXXXXXXX XXXX XXXXXXXX XXXX and XXXXXXXX XXXX XXXX XXXXnd Citibank Wayfair credit card companies have continued to CALL AND SEND REPEATED ROBO COLLECTION CALLS TO MY PHONE DAILY EVEN AFTER I TOLD THEM THREE TIMES AND ALSO HAD A LAWYER TELL THEM THREE TIMES TO 'CEASE AND DESIST!!!!! I also NEVER gave them my authorization to contact me by phone or email at all and specifically said they could only contact me by mail prior to that yet they have done the opposite!!!!! They are breaking every FDCPA law ever written, make them Stop NOW!!!!!
Consumer complaint received 2020-03-06
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Aqua Finance, Inc. (TX)

On XX/XX/2018, I acquired through a company called Aqua Finance , Inc 3 items for my house, a water filter, a water shower and an air filter ; I signed a contract with them that said I have 3 days to return the items. 

My bank information was given to them and I authorized them to proceed with automatic debits for the payment of these items. 

The problem is that within the 3 days of the contract, I didn't have any problems, but about a week later, the water that came out of the filter, had a bad tasting and smelling water. I called the company and they said I have to change the filter. I told them the filter is supposed to be brand new, I shouldn't have to change the filter yet. They told me to contact the manager but he was not present at the moment. 

With that experience, I didn't want to open the box that contained the second item, the air filter. I got a distrust feeling regarding this Company. 

I emailed the company, explaining to them my problem with the water filter and offering to return the items because I didn't want to keep paying a big amount of money for low quality items. They told me they can ' t take the items back and kept sending me the bill with the accrued interests. 

Now, my credit is affected due to this situation
Consumer complaint received 2022-08-04
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 received your response, that you close my complaint that I sent, to Investigate the Erroneous Account : XXXX XXXX Balance : {$0.00}, that is UNKNOWN to me. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX days and yet the problem is still reporting in my credit file and you closed my complaint to protect my privacy. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I am submitting this complaint again, myself and attached a copy of my Drivers license, Social security card, and Utility bill to inform you that I am the one asking your help to investigate the inaccurate information listed in my credit file since the credit reporting agencies are not doing their obligations in my credit file.
Consumer complaint received 2017-01-28
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (PA)

Tried to obtain my free annual credit report using AnnualCreditReport.com ( ACR ) but Equifax keeps denying access to the report and instead redirects me to a page where I have to buy the report. Also, the ACR website will not allow me to submit a complaint about the problems with Equifax.
Consumer complaint received 2022-10-25
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: EQUIFAX, INC. (NV)

I 'am a victim of identity theft. This account doesn't belong to me. I never heard of this company or done any business with them. Someone is using my credit to purchase items fraudulently. I was alerted by XXXX someone was trying to apply for a credit card in my name. I have attached my FTC report items that are fraudulent. I demand immediate removal.
Consumer complaint received 2022-11-22
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. (GA)

XXXX missed payment XX/XX/2022 XXXX. XXXX XXXX XXXX does not have a contract with and has failed to validate Contacted tjem and failed they to provide evidence
Consumer complaint received 2016-03-08
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (ID)

I am unable to get a lower interest rate on my student loan, which has been 10.75 % with XXXX XXXX, now Navient. If the XXXX XXXX crooks can get loaned money at basically 0 %, then I should have the capability to lower my rate.
Consumer complaint received 2019-12-16
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: Incomm Holdings Inc. ()

On XX/XX/XXXX. I bought a prepard card. I added XXXX $ and I was charge a XXXX $ fee which is normal. When I aas back home I tryed to login to see my balance and I realised that my card was invalid. I had to wait on the line for severals hours before talking to a customer care employe and after that to a supervisor. The supervisor told me that I needed to send the prooves of my purchase by email to this Incomm compagnt. This is were the problems started. When I sent the documentation Incomm was sending me the same emails telling me that they were not able to open my pictures, which is almost impossible because of the causual format. I sent them 5 times my email and every times they told me it was impossible for them to open them. I then asked them what other way I could provide the documentation to them and this is were the started to ignore me. Since then ( 3 weeks latee ) I have to call the costumer service every day so they contact Incomm, by email, for me, and even then, Incomm won't write me what is going. This is the poorest costumer service I have ever seen in my entire life. It is completly insane.
Consumer complaint received 2016-05-24
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (NY)

I do not have social security number, and I tried to get my credit report ( both annual free credit report or paid credit report ), however, I only got my credit report from XXXX. However, XXXX and Equifax refused to provide me my credit report, for the reason that I am not US citizen and I do not have social security number as an XXXX ( not entitled to a social security number unless have an employment authorized by XXXX ).
Consumer complaint received 2022-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CARD Corporation (MD)

I received my unemployment benefits using Card Premium checking account, I was able to at first withdraw part of my money and used my card, after few weeks they ( Card.com ) place a hold on my account and I tried reaching out. They ( Card.com ) will not give me a reason why this is happening and I also request they return my money to the Maryland department of labour so I can go claim it there but they wont listen and its over 6 months they still holding {$1700.00} of my money I want my money released to me or returned to the sender please.
Consumer complaint received 2022-03-15
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I HAVE NEW UPDATED INFORMATION!!!!!!! I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF EQUIFAX NEEDS MY AUTHORIZATION TO PROCEED, THEN EQUIFAX HAVE MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT. 

I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, filed a complaint about EQUIFAX on XX/XX/2022 referring to the complaints I've filed on XX/XX/2022 and XXXX XXXX. The complaint that I've filed through the CFPB on XXXX XXXX with complaint number XXXX, EQUIFAX responded stating that an investigation with the furnisher has been initiated and that they will provide me with those findings once the investigation is completed. This an " REINVESTIGATION '' to what EQUIFAX claimed to be " valid ''. Congress states that pursuant to 15 US Code 1681i ( 7 ), the consumer reporting agency only have 15 days to provide me with the description of the procedures listed in 15 US Code 1681i ( 6 ) ( B ) ( iii ) that they've taken to receive their findings. They are waiting on the furnisher to provide them with those findings, not me the consumer. Because this is an " REINVESTIGATION '' by law, the consumer reporting agency only have 15 days to provide me with the description of the procedures that they have taken in order for this account to be considered " valid ''. It has become very clear that an investigation had not even taken place in the first place, because if it had, then they would have on file the items of the procedures that they've used to validate the items that I have disputed, and not be waiting on the furnisher to provide them with something that they claim was " valid ''. EQUIFAX is not complying with the law by trying to exceed those 15 days that Congress have given them to provide me with the description of the procedures they've taken to validate this account. EQUIFAX also have not provided me with my written permission that I've given them to furnish this items to my consumer report pursuant to 15 USC 1681b ( a ) ( 2 ). This inaccurate item listed on my consumer report has ruined my financial reputation by not allowing me to receive the funds needed to provide for my household. This has caused me many hardships including stress, sleepless nights, XXXX, anxiety, as well as marital issues.
Consumer complaint received 2018-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

I have written and called several times when I noticed several fraud accounts on my credit report. right now they are only showing on XXXX. I have sent in my ID Driver License with My Social Security Card. as PROOF OF ME. 

PLEASE HELP THIS IS RUINING MY LIFE.
Consumer complaint received 2022-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: GOLDMAN SACHS BANK USA (FL)

On the XXXX Rewards credit card, they forcefully converted the card from a cashback program to a points program without providing any exception to redeem for those who did not want to convert. They have an option to link the points from the card to an existing XXXX Rewards account, but the option has not functioned for the past 9 months. They deliberately make it difficult to find their phone number, not including it on their website and I had to use a search engine which found it in their terms and conditions, they outright refuse to provide an email to contact as well. Before the conversion to points, they changed their rewards program to allow redemption for a gift card ( up to {$200.00} per year ). This appears to be a deliberate attempt to deny access to earned rewards as their website is not allowing access to points earned on the card, and if you attempt to redeem by phone they advise you can only redeem for gift cards on their website.
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARVANT FINANCIAL LLC (MD)

I have reached out to XXXX and Carvant on numerous occasions over the last two years to have Carvant listed on my credit report as included in bankruptcy. I have sent the paperwork to XXXX as well as Carvant and it is still listed on my credit report incorrectly. This is hurting my credit and I need this corrected quickly.
Consumer complaint received 2020-03-06
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. (TX)

I have been disputing this account since XXXX of XXXX and the account has been verified by Equifax and XXXX  multiple times, yet each time they have verified it, they have also altered information, amounts and dates, making the account appear as newer than it truly is. 

I have requested information from XXXX, Equifax and XXXX XXXX XXXX, requesting they provide the information they are using to verify the account and they have ignored my request every single time. XXXX  and Equifax just keep altering the information on the report even though the information was verified as accurate in the previous dispute. With each update, they have caused my credit scores to drop significantly because of the inaccurate information they have been reporting. 

I just recently learned of the CFPB being available to report XXXX  and Equifax to, I wish I had known sooner. I was under the impression they were consumer protectors as well. I have not been able to be approved for student loans while I was going to school and have missed two semesters since. It seems absurd they could have access to your credit and cause such damage that literally impacts you and your childrens lives so negatively. 

I have kept records throughout the process, copies of certified letters, receipt of those letters and responses in the updating that was done. The most recent response was altered again and is still reporting inaccuracies and violations. 
No Credit Limits reported Inaccurate High Credit Limits No Closed Dates Closed Dates were actually removed Date of Last Activity has been updated to appear newer Date of Last Payment has been updated to appear as newer It was not a paid collection Date of First Delinquency has been altered The Date of First Major Delinquency was updated to XX/XX/XXXX The Date of First Major Delinquency was JUST changed to XX/XX/XXXX XXXX   and Equifax have ignored my requests to provide the verification information available XXXX  XXXX XXXX  has ignored my requests for information on this account None of the reporting agencies have provided any information on this account, yet they keep changing it after they reported each previous time the account was verified. XXXX  removed the account from my report due to the inaccurate information.
Consumer complaint received 2022-11-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

I have called about getting several tax bills. They should be in my monthly payment. There was a mix up with the parcel number and I have called several times about getting it resolved. Now I am delinquent on the back taxes that should have been paid already. 
I have recently tried to apply for a loan and I got denied due to the fact that my taxes have not been takin care of. 
I was told that it has been under investigation. But it had been over a year of investigating. 
I need this resolved immediately please and I would like a call about this being resolved. 
Thank you XXXX XXXX
Consumer complaint received 2016-04-12
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Sarma (FL)

Sarma made multiple hard inquires to all three credit reporting agencies : XXXX - XXXX, XXXX - XXXX, and XXXX - XXXX, see attached. This has harmed my credit and credit worthiness as well as my ability to move. WHY is SARMA hurting my ability to move and making unauthorized hard pulls?