davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-13
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 Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. 

I will also file with the CFPB and FTC! I am very disappointed.
Consumer complaint received 2022-10-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (AL)

I have purchased a fridge on amazon.con on XX/XX/2022 and the fridge was delivered on XX/XX/2022 but it arrived damaged so I returned the fridge to Amazon. Until today Synchrony bank is NOT resolving the issue of refunding me my money of XXXX dollars and amazon is not refunding the money either. Synchrony bank gave a temporary credit but that is wrong I should get a permanent credit for my XXXX dollars since the fridge was rejected and returned back to amazon on XX/XX/2022. I do not have the fridge and so synchrony bank and amazon should refund me my money permanently. I have called synchrony bank but they did NOT call me back and they ignored my calls. This is the worst customer service ever. I want my money back since I returned the item back to amazon 30 days ago I disputed the charge with synchrony bank but they did not resolve anything and nobody has contacted me about a resolution
Consumer complaint received 2017-04-02
Product: Prepaid card — Gift or merchant card
Issue: Unauthorized transactions/trans. issues — 
Company: U.S. BANCORP (MO)

My son, bless his heart, gave me a {$25.00} Mastercard Gift Card for XXXX last year. He paid {$3.00} to have it activated. I put it away to use in a few months for something I really wanted - the card was NEVER OUT OF MY POSSESSION in fact IT WAS NEVER OUT OF MY HOUSE. I signed up online to validate the card but then I put it away. When I finally tried to use the card about 3 months later it was denied and when I looked online 3 charges had been made that used up the card. The card has never been out of my possession and it is very suspicious that all 3 of the charges were made at a XXXX Gas Station in XXXX, Missouri and XXXX, Missouri which is close to where my son bought the card. I called right away and was told to fax in a bunch of stuff which I did and had to pay for the fax fee. Then later they said MAIL US SOME STUFF which I did and paid for postage - a month later they wrote me and said SORRY YOU WAITED too long - there is a 3-month time period you have to contact us by. They did n't say 3-months past what? It should n't matter because THEY CHOSE to allow charges to be made without the card present. But it does n't matter to them because they got their money so XXXX me and my son too. But it was not 3 months past the last charge was added but there is no warning that people copy the 3-digit code and can use these. They say KEEP IT IN A SAFE PLACE which I did - they do n't warn you that you better check it EVERY DAY or someone might steal your money. So this is just wrong - they let the money be stolen and they do n't warn you when you buy it that they will let someone steal your money. If I had the card locked up in a bank vault somewhere would have made no difference. They do n't care they got their money - they had me jump thru their hoops and they ignore the attorney general and I am frankly XXXX this is LEGALIZED THEFT. If its a credit or a debit card you have some recourse but with " Gift Cards '' ( should be called ROB YOU OF YOUR MONEY CARDS ) they thumb their nose at you and send a letter after you jump their hoops saying " we 're so sorry ( yeah right ) but there 's nothing we can do because its past 3 months ''. They CAN do something - they can do the right thing but they do n't want to because they are crooks. I have alread spent so much time and money pursuing this - my son did n't give me this gift so I could waste 40 or so hours trying to get {$25.00} - he got screwed and so did I but TOO BAD. So I contacted the Missouri Attorney General and took great care getting all the documents and attachments just right and they finally wrote the company and the company ignored them so it is nearly a year now since my son gave me the card and I have spent 100 's of ours pursuing this and I have had expenses jumping thru the company hoops after which they told me WE ARE SO SORRY WE CA N'T HELP YOU ARE TOO LATE. Too late? As soon as I found out I contacted them - I thought since the card was with me locked inside my house it was safe but NO ONE CARES.
Consumer complaint received 2021-09-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: FC HoldCo LLC (AL)

I recently refinance my XXXX XXXX XXXX with another lender. My old lender Flagship Credit Acceptance has refuse to show on my credit report that the car is paid off and the loan clear. They told me it will not show until the first on the next month. I refinance the vehicle around XX/XX/XXXX. My new lender sent them the check for the remaining balance on the car. In most cases XX/XX/XXXX being the next month and my credit report should of reflected that the loan had been paid in full. They said it would not show up until XXXX which is currently showing up as 2 debts on my credit report and causing my score to be negatively affected. They need to adjust my report for the correct pay off debt amount so it will reflect a better rating on my report. This amount should show paid in full.
Consumer complaint received 2021-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX* Balance Owed : {$0.00} - You have been reporting inaccurate information and this is a violation please remove. 

XXXX XXXX  XXXX Balance Owed : {$1500.00} -This account has been sold or transferred but has past due balance instead of XXXX balance, please remove. 

XXXX XXXX Balance Owed : {$1400.00} - This account has the wrong balance. Please remove this account because inaccurate information. Remove this account. 

XXXX XXXX Balance Owed : {$22000.00} - Delinquencies reported after the account was closed. This is a violation please delete. 

XXXX XXXX XXXX Balance Owed : {$4200.00} - This account was sold but still reports a balance, please delete this account. 

XXXX XXXX Balance Owed : {$8200.00} - I am not the owner of the account. Remove this account. 

XXXX  XXXX Balance Owed : {$5700.00} - I have no knowledge of this account, please delete this account. 

XXXX XXXX  XXXX Balance Owed : {$11000.00} -This account does not belong to me, please delete this account. 

XXXX XXXX XXXXXXXX Balance Owed : {$2400.00} - This account is showing several violations : Date of last activity is incorrect, Balance is incorrect and payment history is inaccurate. These are all violation please delete. 

XXXX XXXX XXXX XXXX  Balance Owed : {$3600.00} - Balance Reported incorrectly, you have been reporting inaccurate information and this is a violation please remove. 

XXXX XXXX Balance Owed : {$1000.00} - Delinquencies reported after the account was closed. This is a violation please delete. 

XXXX  XXXX Balance Owed : {$150.00} - I have no knowledge of this account, please remove this account. 

XXXX XXXX  XXXX Balance Owed : XXXX - This account does not belong to me remove this account as soon as possible. 

XXXX  XXXX Balance Owed : {$4700.00} - Account is reporting inconsistent and inaccurate, please delete this account. 

XXXX XXXX XXXX XXXXXXXX Balance Owed : {$64.00} - Reporting unknown which means it's incomplete, please delete this account. 

XXXX XXXX Balance Owed : {$2500.00} - Delete this unverified and inaccurate account.
Consumer complaint received 2021-01-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC ()

My names are : XXXX : XXXX : XXXX : and I live permanently in : XXXX : in XXXX under postal address : XXXX XXXX : XXXX : XXXX : under my names : XXXX : XXXX : XXXX : and I utilize my names as such also under : XXXX XXXX : where I have an insurance against theft for : {>= $1,000,000} : and I have a remittance fund at the :XX/XX/XXXX : for : {>= $1,000,000} : from an initial bond of : {>= $1,000,000} : from my : MEGA Millions Lottery : prize winnings which was a larger sum as the Jack Pot on the day of my lottery winnings was declared to me and my bond for {>= $1,000,000} was issued to me for me to redeem by the : Federal Bureau of Investigation : as such I purchased a condominium on XXXX XXXXXX/XX/XXXX: under :XX/XX/XXXXXXXX : in XXXX XXXX on Zip Code:XX/XX/XXXX: in United States under my names : XXXX : XXXX : through : Quicken Loans : under loan number XXXX : on the Date of Purchase of : XX/XX/2020 : and I had also paid my student loan re finance from my : {>= $1,000,000} : at the : XXXX XXXX XXXX XXXX XXXX also through : Quicken Loans : for : XXXX : by : XX/XX/XXXX Here : under reference number XXXX : under my names : XXXX : XXXX : under invoice XXXX : such that my two loans should be declared to me by Quicken Loans so I would like for you to force Quicken Loans to declare my home purchase to me and I am conversant with the issues of safety as the Coronavirus has ravaged the United States than any other country however the response that I receive fro Quicken Loans has made me to lodge a complaint as my home purchase loan should be paid and my documents and notifications should be forwarded to my e-mail address : XXXX : such that I can be allowed to emigrate to the United States from XXXX to go and reside in my condominium under my names : XXXX : XXXX : in XXXX : so please assist me as I submitted my case to : XXXX XXXX XXXX at the office of : XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX and I contacted other law firms at XXXX XXXX previously to seek their intervention thank you sincerely : XXXX : XXXX : XXXX :
Consumer complaint received 2022-01-07
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. (OH)

I ATTACHED MY PERSONAL IDENTIFICATION WHICH IS MY BIRTH CERTIFICATE AND PROOF OF ADDRESS TO THIS COMPLAINT The following accounts are being reported onto my consumer report illegally and without my consent. 

XXXX Account # XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX US DEPT of ED Account # XXXX *Please see attached documentation
Consumer complaint received 2019-02-04
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: EQUIFAX, INC. (MD)

Under Maryland state laws statute of limitations, as well as numerous disputes with each credit bureau ( XXXX, XXXX, and ESPECIALLY Equifax ), each bureau was notified of my being in the security breach in which is involved in a class action law suit. There are NUMEROUS accounts in collections that are not mine. There are also NUMEROUS accounts in which I am an authorized user, wherefore requested by each credit issuer and notification to the bureaus to be removed from these accounts - specifically but not limited to XXXX, XXXX XXXX, and XXXX. XXXX, in particular, after sending a dispute would almost immediately update to dispute completed, thus, clearly ignoring my dispute without investigation. Equifax hasnt failed to investigate any and all disputes due to the breach and thus, leaving open accounts and collections that are not mine. I have provided documentation on numerous occasions to all bureaus. XXXX has fixed and resolved a few - but not all. All three bureaus have also left accounts from over 7 years ago on my credit report after asking them, per my rights by FCRA. Furthermore, there are accounts from XXXX, wherefore, XXXX has put in writing to remove all and every late on two different lease accounts in which no bureau has done so, even after supplying the notice in writing due to errors, again violating my rights. Since the breach, I have come across numerous accounts that are not mine. I have had to pay for and try to rectify these accounts and after months of doing this, the bureaus are refusing to acknowledge my proof. I have received NO notices of completion in writing, aside from an update via email from XXXX  - which they sent within 24-hours, clearly not investigating my accounts in sufficient time. Therefore, I am requesting that because of this formal complaint and a clear violation of the FCRA laws. 

In addition, there are two child support collections on my report, wherefore, a court magistrates order was to delete the accounts from my report, which was provided to each bureau. One bureau did, in fact, rectify this by updating the account to fully paid ; however, they did not follow a court order which clearly states to have both account removed from any and all credit reports due to the fact that we were in litigation for child custody when this went down.
Consumer complaint received 2021-09-03
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: Affirm Holdings, Inc (IA)

There are two adverse accounts on my XXXX  Credit Report from Affirm inc that do not belong to me and is a result of fraud. I wrote a letter to Affirm inc in XXXX of 2021 and as of the date of this writing I have not received a response. This writer has tried disputing with both creditor and credit bureau and it keeps coming back as verified. I filed a police report and and ID theft affidavit with the FTC all to no avail
Consumer complaint received 2021-01-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION.
Consumer complaint received 2021-01-13
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: EQUIFAX, INC. (TX)

Inaccurate information on my credit report : 1 : XXXX XXXX - XXXX 2 : XX/XX/XXXX - XXXX 3 : XXXX XXXX - XXXX 4 : XXXX XXXX XXXX - XXXX 5 : XXXX XXXX XXXX - XXXX 6 :XX/XX/XXXX - XXXX
Consumer complaint received 2022-10-13
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (TX)

In XX/XX/2022 received a promotion for miles if open a citi miles ahead savings account and 25 % bonus on citi advantage credit card if maintain 10,000 in savings account with 20K miles after having account open after 90 days. I called after 90 days to see why my credit card not getting the extra bonus miles and they said they will review but got a letter saying saving account did not qualify for cash bonus did not see this letter since on main website in XXXX and go through app that does not notify you so called in XXXX to follow up and found out about letter asked where to send promo they only said I have to mail it and said can't I email or fax they finally gave me a fax number so faxed it then got a notification letter now that I am checking website they could not read it so called and got an email, so emailed it. Today called and they said the back office rejected it without explanation of why. So need help since supervisor was unhelpful after escalated call.
Consumer complaint received 2021-09-03
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. (LA)

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal.XX/XX/1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC
Consumer complaint received 2021-09-03
Product: Checking or savings account — Checking account
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Sarma (TX)

This account was paid in full with the agreement they would delete the negative reporting on my credit score. It's more then 90 days since this account was paid and it's still showing my credit report. Please remove this account from my credit report.
Consumer complaint received 2022-04-25
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. (PA)

I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with consumer.
Consumer complaint received 2021-01-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (DC)

NetNel reported three late payments on my credit in regards to student loans. The loans originated in XXXX with a separate loan servicer ( XXXX XXXX XXXX XXXX XXXX ). The loans were transferred to NetNel at some point in XXXX. I never received information from NetNel notifying me of the transfer. I entered XXXX   school in XXXX and my loans went into automatic deferment. After requesting a summary or copy of contact from NetNel I was provided a single document. NetNel sent a letter XX/XX/XXXX with a repayment schedule. The letter was sent to XXXX XXXX XXXX, an address I am unfamiliar with and never used ( I can provide a list of both my and my family 's addresses since XXXX if it would be helpful ). I was previously under the assumption NetNel had tried to mail something to my parent 's address, the address on my Master Promissory Note and the address my previous loan services sent communications. NetNel explained to me over the phone that I had selected " paper delivery only '' so they did not try to contact me by any other method. I have not been provided, nor would I have ever requested, a document requesting " paper delivery only. '' NetNel never sent any letters stating that loan repayment was required at this time, given that these were federal Stafford loans and the CARES Act forbearance. When I explained that the address that they sent communication to was not accurate, at this time or ever, I was told it was my fault for not updating studentaid.gov. My studentaid.gov address would have been correct from the time they sent their only communication, to now. When I go to studentaid.gov, the only way I could have ever discovered NelNet was now my loan service provider, it shows no next payment date. Within two days of receiving notice of the credit report, I paid off the three loans in full. For the following reasons I believe the late payments should be removed from by credit report : ( 1 ) I never received that loan payments had come due ( these were federal loans and without a formal understanding of FFELP loans and a reading of the CARES Act I would not have been aware that payments were due at this period ), ( 2 ) NetNel, would they have tried to contact me, had a incorrect address that was likely entered by mistake when they assumed the loan, ( 3 ) Before the credit reporting there was never any attempt to contact me that there was a missed payment, at a correct or incorrect address. For the entirety of the loan my contact information information was kept up-to-date by myself in every system in which I was aware of.
Consumer complaint received 2021-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (NY)

I have this police report where I stated that I lost my bag with my cards & IDs inside. I am a victim of identity theft. The fraud activity was made on XX/XX/2015 with a balance of {$5900.00}.
Consumer complaint received 2019-02-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (AL)

I contacted my mortgage company approximately XXXX of XXXX to state that I had noticed I was being charged for private mortgage insurance ( PMI ) when I received my 1098, even though my principal owed was below the required threshold. They indicated that they would be removing it from my loan at that time. This year, I have received my 1098 from them and observed that I am still paying PMI and my payments would be increasing according to my statement. This is only noticeable when these statements are sent out at the end of the year because throughout the year, these items are not discernible, due to the fact they are all inclusive and listed solely as " Tax & Insurance '' in the monthly statement. I have since contacted them again on XX/XX/XXXX to dispute my need for PMI and was told I would be receiving something in the mail in the next 10 business days but they didn't know why I was being charged.