davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-22
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. (GA)

I submitted a dispute asking Equifax to investigate incorrect information on my account, with the dispute I sent in a copy of my license and social security card. On XX/XX/XXXX I was sent a letter asking for identification which I sent in twice already. After doing my first dispute I didnt get any results after 30 days I did a second dispute and was asked for identification so I did a complaint then received a letter XX/XX/XXXX stating my dispute was being processed and I will get the results by the 30 days of my previous dispute. Which that time has passed and still no results. Equifax was recently on the news for not updating and processing people correct information and scores. My rights are being violated as per the Fair Credit Act.
Consumer complaint received 2022-09-19
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. (TN)

All 3 credit bureaus refuse to remove a student loan ( Acct. # XXXX ) that was paid over 3 years ago which the provider promised to remove from my report upon payment. The U.S. Department of Education, XXXX, and XXXX  says is nowhere to be found. XXXX refuses to allow you past the automated operator. Equifax refuses to take my info or evidence, and XXXX wants me to pay {$30.00} which I am not gon na do. I can no longer dispute this account because it has already been disputed.
Consumer complaint received 2022-06-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

Hi- I am trying to get assistance any way possible. It's life or death for me and my kids. I am only asking for late payments that occurred in between deferments be removed... only because it's listing 26 accounts separately as 90 days late. My loans are currently closed and consolidated but I am not able to get some extra assistance due to the late in between deferrals.

I have spoken to customer service, sent letters and I am very desperate for assistance. I was told there are laws in place for it is solely at the lenders discretion. I have 30 days from today but I have been trying since the pandemic as I was seriously affected by XXXX. Please email me or call please XXXX of XXXX. I am sending my message to everyone in your company- your credit XXXX department has not been able to assist in any way. Please Please. 

I NEED HELP.. LIFE OF DEATH FOR MY KIDS AND I STARTED REACHING OUT SINCE LAST YEAR AND NOW I HAVE 30 DAYS - I ONLY NEED THE LATE PAYMENTS REMOVE FOR 26 INDIVIDUAL ACCOUNTS IN BETWEEN DEFERMENT.. PLEASE PLEASE Please Please I just need the 90 days late removed for 26 individual loans. This account is now closed and consolidated - at this time the I was deferred before and after. During this late period, my address was not correct in XXXX 's system XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX I was referred to you by XXXX XXXX
Consumer complaint received 2022-06-24
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)

Equifax is in violation pursuant to 1681c-2. On XX/XX/2022 I sent Equifax a copy of my FTC report, a letter with all fraudulent items listed, a copy of my ID, and a copy of my statement. It has been over 4 business days since Equifax has received my documents. I have not received any response and the items still remain. It has been over 30 days. I have attached the following items in this Complaint. Please view attachments.
Consumer complaint received 2022-06-24
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: QC HOLDINGS INC (OR)

I was called by an unnamed " collection '' agency that claimed I took out a XXXX XXXX loan in 2014 from a company called QC holdings. They knew my full social, and address, however they used a former last name. The debt has since allegedly been procured by the company, who refused to give me any information at all, other than if I didn't pay it over the phone it would be much worse in court. I have since checked my credit history to be 100 % sure and no such debt exists. I called the company back telling them they were fraudulent and got hung up on.
Consumer complaint received 2022-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge 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: Self Financial Inc. (FL)

I had multiple XXXX XXXX transactions on my credit card and debit card and, after noticing several expensive items were missing from my home, I called the police. My cousin was subsequently arrested and admitted to making the transactions with her boyfriend. A warrant was issued for her boyfriend but he had not been found yet. I called and Disputed all the transactions with Self financial and provided them with the arrest report number. However, they forgot to close my card and even more transactions came after. I now got a notice in the mail stating that they determined no error occurred even though there was an arrest made for the fraud. It is difficult to even speak with someone and when you do, they have no knowledge on the subjects. This is a fake company and they make money on others hardships.
Consumer complaint received 2022-08-22
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: EQUIFAX, INC. (VA)

HiMy mortgage company took advantage of me. Im aware that The CFPB is closely monitoring servicer conduct to ensure that they are complying with all applicable federal consumer financial laws and assisting consumers with resolving delinquencies and preventing avoidable foreclosures. As part of this monitoring, Im aware that the CFPB will continue its heightened review of mortgage servicing complaints, including in particular complaints about challenges working with servicers to use HAF funds. 

I have been impacted by XXXX. On XX/XX/XXXX, I contacted my mortgage Servicer to let them know that I did not have the money to pay for my XXXX XXXX, XXXX mortgage bill, I have been impacted by XXXX, and I asked what my options were at a time when I was still current on my payments. I told them I was aware of the HAF funds program opening in VA on XXXX XXXX, XXXX, and that I would apply that very day, but that theyre estimating 60-days before any payments covering my mortgage would be made. I specifically asked what contact information I should provide to Virginias HAF program, but I also asked what other COVID-relief remedies are available to me right now in the 60-day+ interim while I wait for my application to be processed. They told me there were no other remedies available. I called them every week in XXXX asking if any other remedies existed, I believe 6 times in total. I called them several times in XXXX asking the same question. I called them several times in XXXX. It wasnt until they told me in XXXX that my condo would be foreclosed upon in 10 days time that they told me I had another remedy available, to defer my payment through forbearance, a remedy I was told that had I employed back on XX/XX/XXXX on the date of my first call with them, I would not have had any delinquencies reported whatsoever. My mortgage company did not act in good faith towards me. I specifically asked them what COVID-relied remedies were available. I asked them a good dozen times and it wasnt until they told me Id be kicked out onto the streets in 10 days time ( even though they knew I was approved for HAF on XXXX XXXX, XXXX, and merely waiting for the payment to be sent to themand VAs HAF program was already in communication with them ), that they told me I had another remedy I could use to avoid foreclosure. They took advantage of me. They lied to me. They did not act in good faith to me. Conversely, I was overly diligent in my efforts to maintain good credit. I contacted them over a dozen times. I should not have to pay for their greedy, foul play lies that has negatively impacted my credit approx XX/XX/XXXX and XX/XX/XXXX with delinquent notices posted to my credit. Id like you to correct their foul play, their unfairness, what I would call gross negligence, on their part. What they did to me is not okay whatsoever.
Consumer complaint received 2022-11-26
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (AL)

For over 1 year I have maintained a checking account with varying balances, a savings account with a balance of {$50000.00}, and an investment account with {$100000.00} at Wells Fargo bank in XXXX, Alabama. I never had transactions in my savings or investment accounts. On XXXX XXXX of this year I received a text message stating that an unauthorized withdrawal of {$3500.00} had occurred on my savings account. I later found out that several unauthorized withdrawals totaling {$13000.00} had already occurred. Wells Fargo restored all the money to my savings account and closed the account ending XXXX on XXXX XXXX. They transferred the outstanding balance to a new account ending in XXXX. They also allowed an unauthorized deposit that was pending from " The XXXX XXXX '' to be transferred to my new account although the agent at Wells Fargo told me that no deposits or withdrawals would be permitted to the new account without my personal appearance at the bank. I notified Wells Fargo that the deposit was suspicious and they sent the {$2000.00} deposit back to XXXX XXXX. They then proceeded to allow XXXX XXXX to withdraw {$2000.00} from my account without my permission or authorization, resulting in a {$2000.00} deficiency. Since that time Wells Fargo has exceeded the amount of time allotted for their investigation and failed to refund me the money that was lost due to their mismanagement. I transferred most of the money out of that savings account due to lack of confidence because a recent online survey showed that Wells Fargo is the worst bank in America.
Consumer complaint received 2022-09-19
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

Ive contacted business Equifax a few times about something reporting to my business credit negatively. Im unsure of what it is and asked to have someone send information about the negative report. XX/XX/XXXX I received a credit report from Exquifax commercial credit report. I sent the filled out information back XX/XX/XXXX and its now over 30 days later and I still havent received any letter or email back.
Consumer complaint received 2022-06-24
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)

The problem is regarding to my credit score. on XX/XX/2022 my credit score was XXXX and on XX/XX/2022 my score decrease by XXXX points to XXXX there is no change on report, 0 % debt on my credit cards, no delinquency, only 1 inquiry in last 2 years and everything else is in a good standing. I talked with XXXX They have no answer for me and they can not solve my problem and I even spoke with FICO they can not do anything either. Please help me to solve this matter. 
This is my official statement for file a complaint against credit bureau, in this case, XXXX.
Consumer complaint received 2022-09-19
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: EQUIFAX, INC. (TN)

Im accordance with the Fair Credit Reporting Act, XXXX account number # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish my account without my written instructions.
Consumer complaint received 2022-09-19
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: EQUIFAX, INC. (TX)

Upon recently checking my credit report, I have discovered XXXX XXXX obtained a copy of my report without my authorization or consent. Further, they are reporting that I am " over limit " on my account, which is innacurate. They have been reporting since XX/XX/2022. This company is a scam and have had their business license revoked in Texas.
Consumer complaint received 2022-04-24
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # : XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-24
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: SYNCHRONY FINANCIAL (AR)

The complaint I have with each company is, my rights were violated. I recently came across information from the Federal Trade Commission more specifically the Gramm-Leach-Bliley Act 15 USC 6802. On one of the accounts ( XXXX ) my now ex-husband purchased the unit with me as the buyer and him as the co-buyer with all of my information. I never signed any documents, nor did I give him premission to do so, because we were married at the time, I didn't want to prosecute him. After looking at the original documents. I've never lived at the address on the document, nor did I sign anything, someone had to sign my name. I will attach all of the following correspondence letters I've sent to these companies as of XX/XX/2022 with no resolution. My student loans have also been XXXX due to a permanent XXXX, but they're still being reported.
Consumer complaint received 2022-04-24
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. (FL)

I have been in dispute with Equifax for almost a year about these fraudulent disputes inquires. They have lied numerous times about receiving my documents when they have received them. The FTC reports are attached to this email. So it's no excuse that they can't remove these inquiries
Consumer complaint received 2022-06-24
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (FL)

Forced Placed Insurance Policy by US Bank National who is not the mortgagee and who should not have been servicing the account.

see attached US Bank sends me correspondence with an account number on it that is different than the original one.

I have requested that Universal Property remove the force placed policy.

see attached They refer me back to US Bank Per US Bank, the account is " closed '' see attached.
Consumer complaint received 2022-04-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Upstart Holdings, Inc. (NY)

The payment history is not accurately reflected on the online account. There are no paper statements. 

I've made a payment of XXXX via an ACH transfer originating from my bank account on XX/XX/XXXX. It was received on or about XX/XX/XXXX. It is not showing as received in my online account with Upstart. Upstart is stating that another payment of {$27.00} is due and they don't have to show payment until the full XXXX payment is received. Due date was XX/XX/XXXX. 

However, I paid what was showing as due.Upstart is now claiming that the {$27.00} is a late payment that accrued since the payment was received after XX/XX/XXXX. However that late payment was not due and owing as of XX/XX/XXXX. 

SInce there are no statements, I can't demonstrate that what I paid was what was due at the time. They are inaccurately adding a late payment and making it due retroactively. 

Furthermore, they are stating they will report my account as 30 days late despite my having paid the amount due PRIOR to the expiry of 30 days. 

The amount paid is inaccurately stated AND the late fee is being inappropriately allocated. The late fee would be due and owing on the next statement. There are no statements for me to demonstrate this error to the credit reporting agencies.
Consumer complaint received 2022-06-24
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. (MS)

Fraudulent accounts reporting on my XXXX Equifax XXXX XXXX credit reports. 

XXXX XXXX XXXX XXXX {$9700.00} Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX {$3500.00} XXXX XXXX  XX/XX/XXXX {$46000.00} XXXX XXXX XX/XX/XXXX {$17000.00} XXXX XXXX XX/XX/XXXX {$5100.00} XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XXXX. XX/XX/XXXX {$1700.00} XXXX XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX XX/XX/XXXX {$3200.00} XXXX XXXX XXXX XX/XX/XXXX {$1900.00XXXX XXXX XXXX XX/XX/XXXX {$9700.00} XXXX XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Bank # XXXX XX/XX/XXXX {$390.00} XXXX XXXX # XXXX XX/XX/XXXX {$2500.00} XXXX XXXX  # XXXX XX/XX/XXXX {$17000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX. {$46000.00} XXXX XXXX # XXXX XX/XX/XXXX. {$5100.00} XXXX XXXX # XXXX XX/XX/XXXX {$8000.00} XXXX XXXX # XXXX XX/XX/XXXX {$2500.00} XXXX XXXX  # XXXX XX/XX/XXXX {$1700.00} XXXX XXXX  # XXXX XX/XX/XXXX {$1700.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX {$1600.00} Inquiry XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-06-24
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. (GA)

Equifax is reporting fraudulent inquiries on my credit report all are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2022-06-24
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. (CA)

in accordance with the Fair Credit Reporting act XXXX XXXX # XXXX and XXXX XXXX # XXXX have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NC)

As of today, at this time, the initial delinquency date is missing and the account type is wrong on the entry reported by XXXX XXXX XXXX, an XXXX, Georgia based collection company. 

Let me repeat, on my equifax report, it is missing the initial delinquency date and the account type is wrong. 

This complaint addresses those two inaccuracies on my equifax credit reports as of today. 

Furthermore, I am providing to you a copy of the creditors chart of accounts that prove to you that the one and only first delinquency date is XX/XX/XXXX ( XX/XX/XXXX ). 

This data can be verified simply by looking at the attached documents and On page 4, if you can actually make heads or tails of this Clearly manipulated ledger, look at the right Dark Red box and it clearly and simply shows and proves thar the initial delinquency date is in fact XX/XX/XXXX. XXXX. 


But, keep in mind, XXXX XXXX XXXX, the bogus creditor, would like for to believe that the initial delinquency date of the XXXX XXXX XXXX  is XX/XX/XXXX ; ladies and gentlemen, 13 months later than the true default date, XXXX XXXX has knowingly, willfully, and maliciously reported that the initial default date is XX/XX/XXXX, even though it proves with their own ledger signed and emailed you me from XXXX XXXX XXXX. 

There are many reasons for them to break the law and inaccurately report data as they did to me for 7 years and counting. 

And it can be supported by their actions even when I brought it to their attention going back years, they Have rejected every dispute that I have filed for their mistake, And refused to correct same at anytime And now 7 years later, they removed the date of first delinquency date recently further leaving my Credit file even more incomplete with missing data required to be reported by them. 

See, this is a pattern of behavior that is illegally on the state and federal level, and the moment years and months ago when I tried to cordially converse with them and they hung up the phone on me several times. 

There is a Georgia Attorney General Complaint that we are filing soon after this and seeking attorneys for a potential class action law again XXXX XXXX XXXX so we will talk to high later.