davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-22
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 have recently been in the market to purchase a home and reviewed my credit only to find that my credit files have been compromised and fraudulently used by others. The accounts opened have been used several times and have had a negative affect on my credit rating. There is an account with 1.XXXX dating back to XX/XX/2017 XXXX. XXXX 3. XXXX XXXX and a medical company which was not opened by me or authorized by me.
Consumer complaint received 2020-10-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Leap Credit, LLC (MO)

In reviewing my checking account, I noticed that {$500.00} was deposited from " LEAP CREDIT '' on XX/XX/20. I did not solicit or sign anything for this " loan ''. This is absolute fraud and/or done in error. I feel my account info has been compromised. How do I return these funds asap? 
I contacted Leap Credit immediately and they told me to report fraud to the credit score companies. Help! 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-22
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: PNC Bank N.A. (DC)

Dispute Statement : Case # XXXX ( XXXX XXXX ) Case # XXXX ( XXXX Report ) Since I refinance my Auto loan to PNC, I NEVER missed payment, with the only exception of my NINE days lateness on XX/XX/XXXX ( which is because my payday moved from XXXX to XXXX ). I always pay on XXXX or latest on last day XXXX of each month. 
In my end the past six-months payment history goes like this : th 1. XX/XX/XXXX, $ XXXX th 2. XX/XX/XXXX, $ XXXX th 3. XXXX, $ XXXX th 4. XX/XX/XXXX, $ XXXX th 5. XX/XX/XXXX, {$320.00} * th 6. XX/XX/XXXX, $ XXXX * Payment made at PNC bank cashier. ** Payment made by bank transfer. 
The two payments I made on bank cashiers erroneously goes to the principal payment rather than the monthly payment and incur me additional {$30.00} fee. First, they keep saying you didnt pay your XX/XX/2020 monthly payment which I did, and I proofed them by showing the difference between the begging and ending balance of my loan. They promised me they will reevaluate and will do adjustments including the {$30.00} fee, rather they report it to consumer. The same scenario happened for XX/XX/2020. 
Before that I used to have a debit account with them and they automatically tool money from that account until XXXX or XX/XX/2020. Usually I drop money on that account through ATM before my last day of payment. But on XX/XX/2020, due to Covid-19 I couldnt find a working ATM and I made payment at the cashier for the first time. I try explained this situation to the guy called me for late payment he understands and accept it & he told me he will made adjustment ( i.e. to apply the payment I made to principal to monthly payment ) and waived me {$30.00} NSF. I told him I want to keep payment this way sometimes, he told me it is okay but noted me to tell the cashiers I am making the monthly payment & I did that all the time when I made payment at the bank cashiers. 

After I proof them I didn't miss any payment over the phone the promised to make adjustment but I ask the took fix the their credit bureau report. But they recommend me to to dispute through the credit report agencies I heard the deliquesce report. ( I spoke with PNC credit department representative XXXX XXXX )
Consumer complaint received 2020-07-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: HILLTOP HOLDINGS, INC (CA)

OnXX/XX/2020 my loan with PrimeLending was paid off. 
I had an Escrow account with PrimeLending for my property taxes and although PrimeLending knew I was paying off my loan ( a PrimeLending rep. " XXXX '' in early XXXX told me that PrimeLending 's policy is not to pay the Property Taxes when there is a payoff request-which XXXX said she shows in her system and I have a letter ) a property tax payment for {$2500.00} was made on XX/XX/20by XXXX 
XXXX is PrimeLending 's 3rd party vendor. 
The County of XXXX XXXX received a XXXX XXXX payment from Corelogic ( to cover multiple properties ) and it took the County until XX/XX/20 to allocate the payment and then refund XXXX for my duplicate property tax payment. 
My new lender had paid the property taxes ( simultaneously ) and they were accepted by the County prior to the XXXX  allocation and therefore the County refunded the duplicate payment to XXXX. The County provided me with the refund check # ( I  have ) and the amount ( about XXXX ) to XXXX! 
I have yet to receive my escrow/tax refund in the amount of {$2500.00}. 
I have called Primelending numerous times and asked for assistance. I've tried to escalate and I have asked to speak with a supervisor -but no supervisor will talk with me ). Please help. None of the customer service reps know what their procedure is. Basically the customer service say there is an open task -and it is with the tax accounting department. When I ask to speak to tax accounting, I'm told they are " back office '' only. My property taxes have been with PrimelendingXXXX  now for 60 days ( since XX/XX/20). My loan with PrimeLending was paid off 131 days ago. Did they steal my money? I am getting very nervous. 
I have tried to call XXXX but there phone system clearly states that it is the individual mortgage company that is responsible. Please, please assist me.
Consumer complaint received 2020-10-22
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. (CA)

It comes to my attention that there is multiple credit inquiries that I did Not recognize nor authorized consenting to. Please verify these credit inquires from XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, XX/XX/XXXX as well from XXXX XXXX. These are Unauthorized inquiries, please verify and provide proof of authorization of original signature of its owner within 5 business days in compliance with FCRA.
Consumer complaint received 2020-10-22
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. (CA)

This is to notify you that I have tried to submit letters to the three credit bureaus so they can look into an account which is not reporting correctly as it is not mine. None of the credit bureaus has responded to me. I know it  takes time but I submitted the letters on the second of XXXX and we are now on XX/XX/XXXX. I just feel like it's been long enough even including the time it takes for mail to arrive to Georgia, Texas, and Pennsylvania and then sent back to California. I don't know if there is a problem but I am very concerned as I submitted my social security card and a bank statement with the letters and now I am concerned somebody may have stolen the mail. If the credit bureaus did receive my disputes then can they please tell me already and send me something back. I would hate to think of what else could be happening with my personal information.
Consumer complaint received 2021-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MT)

I applied for a credit card, and the company told me I had to lift the security freezes on my credit information at all three bureaus. I had no problem doing this online on XX/XX/XXXX for XXXX and XXXX, but the online system of Equifax said I had to call and do this in person. So I called Equifax on XX/XX/XXXX. Their robo-system is slow and terrible, but I went through all the steps, to the point where they use information, supposedly from my credit report, to verify my identity. The system asked for information on the home mortgage I took out around XX/XX/XXXX, asking me to identify which of four companies provided that mortgage. I had never dealt with any of those companies, and did not take out a mortgage in XXXX ( I did refinance a mortgage in XXXX, but not with any of those companies ). The system then asked me for the monthly payment on that mortgage which I did not have and when I answered none of the above, it said it could not unfreeze my report and that I would have to send in a letter. I tried multiple times to get through to a live person, but there was no way to do this. I lost nearly an hour navigating the menus and responding to questions, all to no avail. I think it is not right that a company like Equifax should be able to gather and sell my information without my authorization. It is even worse when they make it impossible to efficiently freeze and unfreeze use of that information.
Consumer complaint received 2020-10-22
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 have recently been in the market to purchase a home and reviewed my credit only to find that my credit files have been compromised and fraudulently used by others. The accounts opened have been used several times and have had a negative affect on my credit rating. There is an account with XXXX dating back to XX/XX/2017 XXXX. XXXX XXXX. XXXX XXXX and a medical company which was not opened by me or authorized by me.
Consumer complaint received 2020-10-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MI)

i have XXXX XXXX card it was past due. the total limit of the card is {$700.00}. 
i have paid since XX/XX/2020. {$660.00} the balance still i have {$540.00} the total amount of late fees charged : {$380.00} total interest charged : {$160.00} Total interest paid : {$170.00} i can not use my card. it is closed but still charging the interest. for {$700.00} limit i have paid {$660.00}.

in this hard time it is unjust to take so much money from me. i tried to contact the company but no help. two times they hang up on me. please help me to close this account and stop the company charging too much money
Consumer complaint received 2020-10-22
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. (MO)

I have sent several notices to ALL 3 Reporting Agencies as of XX/XX/XXXX and have YET to hear from ANY OF THEM. I sent other notices after and still NOTHING. This informatios is INCORRECT and hindering me from obtaining a HOME PURCHASE. It has been well over 30 and 60 days now.
Consumer complaint received 2021-01-25
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. (NY)

I was added as an authorized user on someones primary trade line in XX/XX/2020 and was taken of the account in XX/XX/2020, but the authorized user trade line is still being reported as open when its been closed for months.
Consumer complaint received 2020-10-22
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: The CMI Group, Inc. (TN)

On XX/XX/2020 I called and spoke with XXXX XXXX at XXXX, at Credit Management Resources. First of all, I never received a bill from the original creditor, confirming this, they had an old address on file from 5 years ago. I went ahead and paid the {$65.00} on my account and was promised that it would be removed from my credit file. on XX/XX/2020 the account still was showing but with a XXXX  balance. On XX/XX/2020 at XXXX XXXX I checked my credit report, and to my dismay, the account was still on the file from XXXX, It had been removed from XXXX, I called XXXX and spoke with XXXX ( I think this was her name, she spoke fast, and would not repeat her name ) She confirmed that I had a XXXX balance. I asked if they could contact the credit agency and remove the account since it had been completely satisfied I even reminded her of the conversation from earlier ( last month ), She stated that once it has been paid to a XXXX balance, they are not required to remove it from the credit file, I then asked to be escalated up to a supervisor, after about a 5 minute hold, she informed me that no supervisor was available, my response was that I would just report this to the Consumer Financial Protection Bureau. I feel that my consumer rights have been violated, I am being adversely impacted, although I have paid my debt in full. The address to the Collection Agency is as follows : Credit Management LP XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Thank you for addressing this issue and advocating for consumers such as myself. 

XXXX XXXX XXXX, TN
Consumer complaint received 2021-05-20
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. (MO)

Equifax ; XXXX and XXXX should not be reporting each inquiry listed as a separate line item on my credit report. ( Please see page attached. ) These multiple inquiries are well within the 14 45 days that is typically allowed to check different lenders and find the best loan. These inquires are all the same type of lender and therefore should only be reporting as ( 1 ) line item. All of these inquiries are of like kind. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed and report only ( 1 ) inquiry. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2022-02-01
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)

XXXX, XXXX, AND EQUIFAX have commited identity theft on my personal credit report by being deceptive. Fraud is deceptive. Deception means you are giving an appearance on something that is misleading. According to the FCRA, 15 USC 1692e, you can not use any deceptive/misleading representation. These practices can not be utilized on my credit report for PRIVACY. It is DECEPTIVE, because XXXX, XXXX, and Equifax are telling my private information to the public people without my consent. I have private information being publicized. A consumer reporting agency can not furnish anything unless it was initiated by the consumer, which is myself. Which I never authorized them, resulting in deception! 15 USC 1681b ( c ) ( 3 ), 15 USC 1681d ( 1 ), 15 USC 1681m ( d ) ( 1 ) ( D ) the consumer has a right to prohibit information contained in the consumers file with any consumer reporting agency from being used in connection with any credit or insurance transaction that is not initiated by the consumer ;, 15 USC 6802 ( e ) ( 2 ) go in further detail of how I've been deceived. These accounts are deceptive, they are breaking my privacy rights and need to be removed! Not just that, but they are reporting inaccuracies throughout my consumer profile!! According to the FCRA, everything has to be reported accurately. 15 U.S.C. 1681i 55 ( e ) Treatment of Complaints and Report to Congress ( 1 ) In general. The Bureau shall ( A ) compile all complaints that it receives that a file of a consumer that is maintained by a consumer reporting agency described in section 603 ( p ) contains incomplete or inaccurate information, with respect to which, the consumer appears to have disputed the completeness or accuracy with the consumer reporting agency or otherwise utilized the procedures provided by subsection ( a ) ; and ( B ) transmit each such complaint to each consumer reporting agency involved. These accounts are deceptive and inaccurate : EQUIFAX- ( Original Creditor : ). ACCOUNT NUMBER:XXXX XXXX- Account name XXXX XXXX. Account number : XXXX Account name : XXXX XXXX Account numberXXXX. NEVER WENT TO COLLEGE. 

Incorrect personal information that needs to be deleted : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Do not place a fraud alert on my credit report.
Consumer complaint received 2020-10-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo Home Mortgage put me in a payment suspension program 3 months ago, even though I did not need it. I was not suffering a hardship from Covid 19. I not only haven't missed a payment during the 3-month forbearance, I've actually made 3 additional mortgage payments in that time period. On the Wells Fargo website, it is stated that I can end the payment suspension at any time. THAT IS A LIE. I have requested that the program end multiple times, and they still have not done it. In addition, because I am still in forbearance, my mortgage account statements are not accurate or transparent. The information on my statements appear to be based on a strange and questionable accounting program devised by Wells Fargo. What credible reason could Wells Fargo possibly have for their obscure accounting, as statements should be accurate at all times. I have questioned WF executives about their accounting and I've been told repeatedly that the statements will be adjusted at a later time. What kind of BS is that? I am requesting again, that I be taken out of the payment suspension program. I also expect Wells Fargo to provide me with an updated and ACCURATE mortgage statement. It doesn't say much for the credibility of Wells Fargo Home Mortgage that I have to address these issues through Consumer Financial Protection Bureau..
Consumer complaint received 2020-10-22
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: CBC Companies, Inc. (GA)

There has been a breach in my personal information in the world wide web causing that accounts be opened with out my consent, these fraudulent accounts needs to be removed from my file immediately, I have already contact the creditor and they ask me to fill out an FTC report which is attached.
Consumer complaint received 2022-07-27
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. (AZ)

The inquiry listed in my report was inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiry listed below as a result. 
INQUIRY : XXXX XX/XX/2021
Consumer complaint received 2020-12-06
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: FC HoldCo LLC (OH)

Step 1 : What is this complaint about? 

Credit inquiry placed on XXXX Credit Report on XX/XX/XXXX and XX/XX/XXXX. I am requesting that the company remove the inquiry. 

Step 2 : What type of problem are you having? 

I did not apply for credit with FLAGSHIP CREDIT ACCEPTANCE. I am unable to resolve the issue with the company. The company is giving me a run-around. 

Step 3 : What happened? 
I received an email alert from XXXX that there was a recent change to my credit information on XX/XX/XXXX. I contacted FLAGSHIP CREDIT at XXXX, I informed the rep that I did not apply for credit. The rep stated it was to refinance a vehicle. I explained to the rep that I did not have a car loan to refinance and that I wanted this inquiry removed. He told me that I had to call another department. 

Step 4 : What company is this complaint about?

FLAGSHIP CREDIT ACCEPTANC Step 5 : Who are the people involved? 

FLAGSHIP CREDIT ACCEPTANC XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX
Consumer complaint received 2020-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (MD)

L

ogged into account to find out it was closed with no notice. Called customer service and they can not explain why I wasnt notified. Said it was in activity for 2 years but I. The account is a summary from 2019 with transactions on it. Rep put in to see if it can be reopened ( not holding my breathe ) and that Id receive a letter, we shall see. Also stated she would put a complaint in.
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CT)

My husband died in 2016 and since then Equifax is reporting me as deceased. I have attempted several times over the years to dispute this they investigate but never change the fact that my credit report has a score of XXXX. I need to buy a house and this is preventing me from doing so. I need this fixed. I have submitted copies of birth certificate, drivers license, social security card, documents with present date showing my address. I dont know what else to do. Please help!