davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

XXXX XXXX Sat : I tried to log onto my Equifax account at https : //my.equifax.com/membercenter/ # /login in order to temporarily lift a security freeze, so that a legitimate creditor could verify my credit. However, I got the message " Please give us a call. We can't complete your request at this time. Please call the Customer Care Team. XXXX. Customer Care is available between XXXX XXXX. and XXXX XXXX. ( ET ),  Monday to Friday. '' I needed to give immediate access to the creditor on that day, which I believe I am entitled to according to FTC regulations. So, I tried calling the number anyway even though it was Saturday and according to that message, the company is closed. I discovered that the company was in fact open on Saturday, contrary to the message on the website. However, it was already closed at the hour I called. 

Via the phone tree, I was able to access an option that allows me to request a temporary security freeze lift through an automated system. However, it took 2-3 attempts, for numerous reasons. One time, the system hung on me. The second time, I was convinced I requested the freeze lift to begin on XXXX, but the confirmation message said it would begin on XXXX. Further, the system said it would send me a confirmation # through text message, which it never did. Thinking that there was an error on my part with regard to when the security freeze lift should begin, I called a third time to do the process all over again. I did in fact enter the correct start day of XXXX, but again the system confirmed a start date of XXXX. Further, the system again said it would text a confirmation # to my mobile phone, but it never did. 

After waiting > 1 hr, I requested the creditor check my credit once again. It said there was still a freeze on my credit.
Consumer complaint received 2020-07-19
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. (CA)

I am an essential worker in XXXX during this current XXXX virus pandemic. Due to circumstances beyond my control, I need to vacate a rental home of more than 13 years, and began looking for a home to purchase. The mortgage would be less than rent in XXXX XXXX. As the search began and a property was located to go and see- to determine that I was serious in the current COVID 19 environment, a mortgage pre approval which included a credit check had to be conducted or I would not be able to go and see the property. On XX/XX/XXXX a credit check revealed my credit score to be XXXX. The house I was interested in was sold before I was able to go and see it. On XX/XX/XXXX I went and saw another property, offered a bid that was accepted, and needed to go through XXXX bank for this specific residence. On XX/XX/XXXX XXXX bank conducted yet another credit check- which came back as XXXX. This score is below what XXXX bank accepts for their best rates. This drop was due only to the first credit check that was due to the COVID virus requirements to have a credit check before being able to simply see any property. This is totally unfair and does not provide a true reflection of credit worthiness. This process must be corrected and somehow flagged during this pandemic time, when this is bound to happen over and over again to others as well. My score should not be affected in a negative manner due to the requirements of social distancing and intent on real estate. I would like this to be corrected- I have worked for years to better my scores. This is yet another devastating affect of this pandemic that is going unseen. Please correct.
Consumer complaint received 2020-12-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (IL)

On XX/XX/2020 I received a debit card from a company by the name of NetSpend which I did not ask. 

The company " NetSpend '' sent me the card to activate stating I asked for it when in actuality I DID NOT! I never asked for this card and the fact that anyone could have intercepted, or stolen my mail, could have activated this is unbelievable. They should never had issued this card. 

Secondarily, there is no way to cancel the card or get ahold of the company as the only options available on their documentation ( XXXX ) does not give a phone tree option to speak with a customer service rep without giving the full card number or your personal SSN which I will NOT do over the phone in fear of security issues or the firm activating the card when this is not desired. 

The firm 's address on the documentation given was XXXX. XXXX XXXX, XXXX, TX XXXX.
Consumer complaint received 2020-12-12
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NV)

I had escrow money owed to me from a home in XXXX California. A check amount payment of {$1900.00} was sent to me along with a bunch of paperwork by Aurora Lending. The check was package in such a manner that it made it hard to see there was a check in the heap of paperwork. I kept the paper work for future use. As I had to move due to the pandemic unemployment eviction, I was going through old mail and found the check. I can not cash the check because its too old now. I have reached out Aurora for a reissue of the check as I desperately need the money. I have not received any pandemic relief since XX/XX/2020. Aurora will not return my calls so I am filing a complaint in hopes of recovering monies owed to me. 
Company in the complaint : Aurora Bank  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tel-XX/XX/XXXX XXXX XXXX Fax - XXXX XXXX XXXX
Consumer complaint received 2020-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Equifax has XXXX 's last payment as XXXX. 
XXXX  has XXXX 's last payment date as XXXX. 
XXXX  has XXXX 's last payment status date of XX/XX/XXXX. 

Equifax has XXXX 's last payment as XXXX. 
XXXX  has XXXX 's last payment as XXXX XXXX  has XXXX 's last payment as XX/XX/XXXX. 

Equifax  has XXXX  's last payment as XXXX. 
XXXX  has XXXX  's last payment as XXXX. 
XXXX  has XXXX  's last payment as XX/XX/XXXX. 
Equifax has XXXX 's last payment as XXXX. 
XXXX  has XXXX 's last payment as XXXX. 
XXXX has XXXX 's last payment as XX/XX/XXXX. 

Equifax has XXXX XXXX last payment as XXXX XXXX  has XXXX XXXX last payment as XXXX. 
XXXX  has XXXX XXXX last payment as XX/XX/XXXX. 


THESE ACCOUNTS APPEAR TO BE FURNISHED BY THE SAME CREDITOR SO WHY IS IT THAT THE DATA THATS PROVIDED IS DIFFERENT ON EACH BUREAU? IT IS THEIR DUTY TO ENSURE THAT ALL INFORMATION PROVIDED IS CONSISTENT AND MOST IMPORTANTLY ACCURATE. HOWEVER THE CREDIT BUREAUS HAVE FAILED TO DO SO. I HAVE CONTACTED EACH BUREAU SEVERAL TIMES ABOUT ERRONEOUS INFORMATION. EQUIFAX HAS CHOSEN TO BLATANTLY DENY MY REQUEST TO FURTHER INVESTIGATE THE MATTERS.BECAUSE OF THIS APPARENT NEGLECT IN ENSURING THAT EVERYTHING ON MY REPORT IS ACCURATE, CONSISTENT, AND UP TO DATE, I AM HERE AGAIN REQUESTING THAT THESE ERRONEOUS ITEMS BE DELETED IMMEDIATELY.
Consumer complaint received 2022-08-19
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. (MI)

My credit report stilll show inaccurate comments in Disputes On inaccurate accounts on credit report. 
they where not investigated. This is grounds for removal they also violated my rights under This Correct information Listed below should only be on my credit Reports Correct Name XXXX XXXX XXXX Correct Date of Birth XX/XX/1979 Correct Address XXXX XXXX XXXX Michigan XXXX Correct Social Securit ; y number # XXXX Correct Phone # ( XXXX ) XXXX Correct Email Address XXXX XXXX
Consumer complaint received 2020-07-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY (CA)

I purchased a new XXXX XXXX on XX/XX/XXXX the contract was {$27000.00} with a very high interest ( 13.19 % ) a whopping {$12000.00} Total interest for 72 months, with the promise to refinance after 12 months of on time payments which never happened my credit core at the time was XXXX the same score at time of purchase Everytime I requested to refinance I was denied by Wells Fargo dealer services, so I was forced too pay this high interest my loan maturity is XX/XX/XXXX I had three payments deferred to the end of the loan so it pushed my loan maturity to XX/XX/XXXX, I noticed my my balance was not getting much lower so I requested my transaction history when it arrived I was going through my payments which are {$580.00} a month, i noticed my interest was fluctuating from {$120.00} to {$500.00} on every payment! There were payments made and the full payment was posted toward interest nothing towards principal how can this be if every payment made your balance is reduced so your interest is less on a lower balance? I decided to payoff my loan on XX/XX/XXXX I paid {$4100.00} my balance should have been less than {$1800.00} but I was overcharged with poor accounting practices at Wells Fargo I was charged a total of {$14000.00} in interest thats half of the cost of the vehicle purchase & {$1400.00} above the contract interest for 72 months keep in mind I payed the loan off 4 months early I have attached copies of my transaction history which shows payments & interest applied for every payment made it makes zero sense on month Im charged {$200.00} in interest the following month Im charged {$500.00} in interest
Consumer complaint received 2020-07-18
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. (TX)

I AM A VICTIM OF IDENTITY THEFT, SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING FRAUDULENT ACCOUNTS IN MY NAME : XXXX OPENED : XX/XX/19 AMT. XXXX XXXX   XXXX OPENED : XX/XX/19 AMT. XXXX XXXX   XXXX OPENED : XX/XX/19 AMT. XXXX THE FOLLOWING FRAUDULENT INQUIRIES WERE ALSO OPENED IN MY NAME : XXXX/XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-19
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: Navient Solutions, LLC. (FL)

Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. 
Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
Consumer complaint received 2020-12-04
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: A+ Loans, Inc. (GA)

I engaged in a loan with At Loans, had 4 successful loans and renewed the fifth terms ; filed for bankruptcy and they were notified of the case petition and protection under the automated stay have not heard a thing in close to five years ; Recent email from the company advised that they have updated credit profiles and demands payment. First I am still under the automatic stay and the statue of limitations for this loan has past in addition they knew or should have known as a matter of standard operating procedures to do a bankruptcy scrub before demanding funds on a account out of statute. I've called them twice and to no avail. This account is no longer collectible and has no legal standing in addition it is reporting incorrect information on my credit profile. They have violated several laws. The resolution I am seeking is removal of any recent information on my credit profile ( s ) ; restitution for the violations.
Consumer complaint received 2020-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NY)

I obtained my credit report online and based on my findings there was a U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 

The Bankruptcy Courts have mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.
Consumer complaint received 2020-09-12
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: Nelnet, Inc. (MA)

Good day or happy Saturday! How are you doing? I was shocked today when I reviewed my credit report again and found questionable information still on my fed student loan accounts from DEPTEDNELNET. All 4 of them! I disputed this account and nothing was sent to me to legally verify the accuracy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified Hows it possible that youve reported that you investigated as accurate if it's still reporting questionable balance, inconsistent account number, name, dates of open, etc? Also, wasn't Navient student loan servicer was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be removed.
Consumer complaint received 2020-07-18
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. (CA)

I am filing this report because I applied for a XXXX credit card today XX/XX/2020 and I was not approved because I guess there are two accounts in negative standing on my credit. The accounts are from XXXX XXXX & XXXX XXXX. Those accounts are not mine ; I never opened them and I did not allow anyone to open them in my name. I do not have any written/verbal contract with either of those companies nor did I gain anything such as money, goods, services or any other benefit from these accounts and I never contributed to any payments made towards those accounts. I have already filed a police report regarding these unauthorized accounts.
Consumer complaint received 2021-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (IL)

In XX/XX/2020, I setup a hardship payment plan with PayPal credit. In agreement with the plan, an auto payment was setup monthly of {$110.00}. PayPal has charged me {$40.00} late fee each month, despite the payments being on time. I contacted them to get a refund for the late fee from as far back as XX/XX/2020, and they refused.
Consumer complaint received 2020-04-28
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. (CA)

Hello, CFPB. 

I want to request your help. 
There is an account that was already removed from my XXXX  and XXXX   credit reports. However, Equifax keeps on reporting this account, failing to respect what the creditor has indicated to do. 

The account is the following : XXXX XXXX  account. Account number XXXX Date Opened XX/XX/XXXX. Account has incorrect closed date, incorrect last payment date. 

If Equifax is not able to provide me with the following information ( I know they wil contact XXXX XXXX, and they will indicate to remove this item ), I demand this item to be removed : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this deb. 

On XXXX, XXXX, I sent Equifax a request for this item to be removed. They have violated the FCRA by not reseaching about this account ; proof of that is that they have not even mark the account as disputed. They are being negligent and unfair. 

I demand a deletion letter, and the removal of this item from my report. 

Thank you.
Consumer complaint received 2020-04-28
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)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2020-07-19
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: Premium Credit Bureau (NV)

I have an inquiry on my credit report from " Premium CB '' in XX/XX/2020. I have not heard of this company and did not authorize an inquiry. I would like this to be removed from my credit report.
Consumer complaint received 2020-07-19
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Dyck-O'Neal, Inc. (NC)

Dyck ONeal has a account showing open that is intact a collection.they finally sent me some information wrong information showing a debt for the Amy of {$160.00} with a payment date ofXX/XX/XXXXyes XXXX.account number XXXXthis is FALSE information and I demand it be removed permanently and completely from my credit file.i have a copy of the letter showing this to prove my position.
Consumer complaint received 2020-07-18
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Navient Solutions, LLC. (CA)

Navient is servicing 10 of my student loans. Since XXXX, when I was not able to get financial aid, I have been trying to return to school to finish the last three classes of my XXXX XXXX XXXX. I have been in forbearance for my student loans with Navient since XXXX. In XX/XX/XXXX, I was enrolled to attend XXXX and my forbearance would be on hold, I thought. By XX/XX/XXXX, I could not get financially cleared to go to school, yet again and in XXXX I found out that Navient was again trying to charge me so I got in another forbearance plan. In late XXXX, Navient reported 10- loans were 90 days late dropping my score by 100 points. How can I have been in default and 90 days? When I went from forbearance to forbearance. Also, I was supposed to be in school. Please help.
Consumer complaint received 2020-09-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-04-27
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. (GA)

I continuously received bill in the mail that I was sent to collections. I wondered for months what in the world these bills were for. I knew I always paid all my bills and opened accounts on time. I decided to finally get a copy of my credit report to make sure all my accounts were in order. I got my report back and I was furious with the amount of items on my report that I know do not belong to me. Please remove these items off my credit report. 

XXXX XXXX  XXXX {$9900.00}
Consumer complaint received 2021-10-06
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (FL)

on XX/XX/2021 I receive a letter from Wells Fargo stating that my application # XXXX was not approved. They stated as reason - Nature of credit risk posed by termination of other accounts. And they said they based their decision on a report by XXXX. I order the report from XXXX as soon as I got the answer from the bank and my credit score is XXXX and there is nothing against me now or in the past. Talking to the company, they stated I was banned forever from the bank and will not be able to open an account never more. I also verified if my name or any entity where I'm or was connected has any restrictions posted in XXXX  and some other similar services and I could not found anything. The bank may be base his decision in unreliable sources or simply decide to discriminate me. I'm uploading the letter from the bank and the credit report as reference.I 'm not criminal as the bank try to make me feel and I deserve to have equal and fair treatment from this bank.