davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-14
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. (IL)

Hello- I am writing you in regards to the recent Equifax hack. I  am very upset and discouraged about the events that has led to the worst hack in US history. My husband and myself were both affected. I feel that the one-year protection plan Equifax is offering is insufficient. Being an XXXX XXXX professional, I know that hacked data is typically sold on the black-market years down the road making a one-year protection plan completely useless. This hack will affect us for the rest of our lives. We will have to continuously be on guard to ensure that no fraudulent accounts are activated using our social security numbers. This also opens us up for tax returns to filed fraudulently so now every year we will have to worry and be on guard. 

This hack is the worst case scenario for most Americans. Unlike all major hacks up to this date, the data stolen from this company, that I never gave my permission to have access to my info, was the most sensitive information that could be used, my social security number. I can not go get a new number, so now I am faced with the constant worry and potential to ruin my credit and have to fight multiple companies to clear my name if it my info is used. The only option I have is to pay money to freeze my credit. That alone is unethical. I never gave permission to any of these companies to have access to my information, yet if I want to freeze my credit I have to pay a fee. 

We should have the option to pick one credit reporting agency that we trust to have access to our data. That way we have some buying power with these agencies. Also, I feel these companies should be ran by the federal government. Why does a non-government agency have access to my sensitive information? If it was a federally ran organization, then better safeguards would have been in play to protect the American people. 

To frame the potential after effects, if you look at the XXXX XXXX hack in 2015, there were claims that user suicides followed the hack. This hack only affected 37 million people and their SSNs were not compromised. 

I feel angry, discouraged, disappointed and now I will forever be in a constant state of worry that my personal info is going to get used and my credit will be ruined. Fraudulent charges on your credit take years to dispute and clean up, potentially preventing me from buying a house, getting student loans for my family, or getting financed for anything at all. This is unacceptable and I look to you, as a leader for the American citizens, to do something to compensate the victims and to change the processes of credit monitoring to prevent a data breach like this from happening again. 

Thank you for your time and appreciate your assistance in getting the victims the help and compensation they need and deserve. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, IL XXXX XXXX ( XXXX ) XXXXXXXXXXXX
Consumer complaint received 2018-09-27
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. (FL)

I reached out to all 3 Bureaus XXXX, Equifax, and XXXX in regards to accounts and inquiries that wasnt mine, that I had not auhtorized, I spoke with a lady who told me she would remove the inquiries at XXXX  by the name of XXXX we went thru the list together and there is nothing done, Ive disputed these accounts to all the bureaus cnothing is being done, you have all these bills on my account tied to addresses i NEVER even lived at, I want something done with this, its not fair that people can just use your information when they feel like it and do what they want with it. I want these accounts and inquiries removed. I filed all reports that needed to be filed. There are 4 collections accounts : XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. I would liked to get this resolved in a timely fashion.
Consumer complaint received 2017-09-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (GA)

After looking at my credit reports I was shocked to see late payments while my account was in forberance. My account should be assessed late payments while in forberance. 

Is shows a late payments for : 60 Date Late XX/XX/XXXX 60 days late XX/XX/XXXX 90 days late XX/XX/XXXX 120 days late XX/XX/XXXX I am not sure how this happened, I believe this was in forberance
Consumer complaint received 2017-09-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX, the refinancing of my Citibank , N.A . home equity line of credit ( known as a " Variable Rate Equity Source Account '' ) was completed. This was a typical no-costs refinancing, as indicated in the closing Disclosure Statement which listed each of the specific individual Closing Costs, and provided that these costs would be paid by Citibank. Later, on XX/XX/XXXX, I received a final Statement from Citibank for my paid off account, which included a line item called Early Closure Fee in the amount of {$3200.00}. I immediately contacted the Citibank Mortgage Loan Coordinator with whom I worked on the refinancing from application through closure. This Early Closure Fee was not mentioned in the closing Disclosure Statement or any of the other closing documents, was never mentioned at any time by the Mortgage Loan Coordinator after numerous emails and phone calls discussing the terms and details of the refinancing, always assuring me that there were no other costs involved in the refinancing. I would have never even have discovered this Fee, which was simply added to the closing Payoff Amount, if I had not reviewed the final Citibank statement that was mailed almost 3 weeks after the closing. For the next month, I emailed back and forth with the Mortgage Loan Coordinator, who admitted " It was my responsibility to catch that, and somehow it slipped by me, '' followed by emails assuring me that she was working with her managers, and assuring me that the matter was diligently being worked on and that I would hear from them. But since her last email to me of XX/XX/XXXX, there have been no more replies to my requests for an update. A number of times I requested contact information for her managers or others to whom I could escalate the issue, but she did not provide that information. Your help in resolving this matter would be greatly appreciated.
Consumer complaint received 2021-01-26
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX/XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : ( XXXX XXXX ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ).

2. My Current Address is ( XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : XXXX XXXX XXXX as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.
Consumer complaint received 2018-04-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (TX)

Company purchased a debt that wad settled by synchrony bank and added debt to my credit report as collections when debt was already sweetly by company through cfpb 2-3 years ago. The debt they're claiming is estimated {$950.00}. In cfpb records debt was settled by company. Synchrony honored all of ghee previous payments and the fact that I am a XXXX XXXX unemployable XXXX   veteran to go along with payments and debt was settled.
Consumer complaint received 2020-05-26
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. (DE)

I have contacted all three credit agencies. Equifax, XXXX, and XXXX  asking for account validation/verification from XXXX XXXX. I have sent the disputes a year ago! not only have I have not gotten a response back but they are also still reporting on my credit report. I have proof of delivery to both the collection agency and all three credit bureaus via usps certified mail return receipt and original documents. The bureaus are not responding to my request to provide validation or delete the account, my score is suffering and it is stopping me from purchasing a home!
Consumer complaint received 2020-11-23
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: DISCOVER BANK (IL)

Hi I filed a dispute with Discover Credit card company on XX/XX/2020. However it went into 3 rounds of dispute and now the dispute is closed. 
It was about the item not delivered to me. I live at the following address : XXXX XXXX. 
XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX However the item was not listed under my name it's listed for someone called XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX. 
Since the handbag was worth {$5800.00} it had direct signature required delivery where someone in the Apartment, XXXX needs to sign for it. However it never came to my floor XXXX instead it went to the 4th floor and was signed by someone called XXXX XXXX. I don't have the item. I really need help because this is an expensive item and I now have to pay for something which I don't own. I am going to attach all the proofs what I have. I have reached out to the merchant their name is " XXXX '' as well but they are not responding either. I have reached out to XXXX however XXXX is unable to provide any respond to me as they directly work with the merchant. 
My bank is stating that they can not refund me because the merchant has denied the claim. Merchant has proof that item was delivered from XXXX. I am not denying that the item was not delivered I am saying that item is delivered to the wrong person, my name is " XXXX XXXX '' and that's what is listed on my card. However the item is addressed to someone called " XXXX XXXX ''.
Consumer complaint received 2019-02-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (IL)

From XX/XX/XXXX to XX/XX/XXXX I was assigned to the XXXX XXXX XXXX XXXX ( XXXX ) - XXXX. During the time I was stationed in XXXX and lived in the Barracks I established an account with with XXXX and XXXX XXXX XXXX on U.S. Property. I received orders for reassignment to XXXX - XXXX XXXX in XXXX, XXXX in order to deploy to XXXX. The XXXX XXXX XXXX XXXX Community Center drafted and submitted an official letter to XXXX notifying them that I was placed on orders and will be terminating the agreement. In XXXX I began receiving collection notices and phone calls from several collection companies over the years as the debt was continually transferred from one US debt collection company to another. The debt does not belong to me because XXXX was notified that their services was no longer required but it appears that long after I was to XXXX and XXXX to XXXX, they continued to bill me for several years despite not using their service or even being in the country in which the service was established.
Consumer complaint received 2019-02-19
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. (MI)

My wife of 4 years had substandard credit and I co-signed a loan with her for a new XXXX 2 years ago financed through XXXX XXXX. 

On XX/XX/2019 we began the process to buy a new home, which requires a " pre approval '' letter. As part of this, we consulted our credit ratings on XXXX XXXX. 

The loan, {$25000.00}, is showing on both of our accounts, even though it is a single loan for {$25000.00} and payments are current. 

This reporting indicates to creditors that we owe a total of {$51000.00}, which is not true. There should be a note on one account that this is either not owed, and is a contingent liability, or some other way to report than as a double obligation. 

On XX/XX/2019 I contacted XXXX XXXX and they said that the only way to correct this error in their reporting is for us to re-finance the loan. That would be at a higher rate. 

I would say that this approach by XXXX XXXX is a poor business practice and that using their faulty credit approach to report this as two loans is not fair or equitable and is inaccurate in regard to the actual situation. We have a single loan for XXXX XXXX, not 2 loans, to put it succinctly.
Consumer complaint received 2020-05-26
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: JPMORGAN CHASE & CO. (CO)

In XX/XX/XXXX, XXXX fraudulent transactions from XXXX in the amount of {$140.00} were placed on my Chase United Mileage Plus Credit Card. I filed disputes for both charges and I received a credit for {$140.00} on XX/XX/XXXX for one of the fraudulent charges and the second charge never posted to my account. 

On my XX/XX/XXXX credit card statement an online adjustment in the amount of {$140.00} for XXXX was added to my credit card statement with a date of XX/XX/XXXX. 

I tried multiple ways to contact Chase for a resolution on numerous dates throughout XXXX and XXXX. I called Chase Fraud Services, secure messaged through Chase.com, and reached out to @ ChaseSupport on XXXX on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

On the numerous phone calls, Chase was unable to tell my why the charge was added back to my account and they were not able to remove the charge from my billing statement. They stated the adjustment department needed to remove the charge and they were currently closed due to Covid restrictions. They recommended I call back at a later time or secure message on Chase.com for further help. 

I secure messaged Chase 's help department through their website on Chase.com. I've sent messages on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with no response other than they have received my message. 

On XXXX, they reviewed my case but were unable to provide any details as it is not a secure channel. 

Meanwhile my credit card bill was due and I was forced to pay for this fraudulent charge. I've tried a number of times to reach Chase for the charge to be reversed and I was unable to even obtain an explanation of why this fraudulent charge was added back to my billing statement.
Consumer complaint received 2022-08-06
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)

This is my 17th attempt to dispute the information in my credit file which is resulted from an identity theft. Again, Im sending over an Identity Theft Report # XXXX XXXX and XXXX. Pursuant of FRCA section XXXX ( a ) ( XXXX ) ( XXXX ) Credit Bureaus are required to block any information in my file that resulted from an identity theft, not later than 4 business days after the date of receipt with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report. Please block these unknown items from my file XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$340.00} ; US DEPT ED XXXX Balance Owed XXXX {$57000.00} ; US DEPT ED XXXX Balance Owed : {$71000.00} ; XXXX XXXX Balance Owed : {$1600.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX  ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance Owed : {$430.00} ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry XXXX XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ;
Consumer complaint received 2022-01-06
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: CAROLINA FINANCE, LLC (NC)

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with this company. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with this company for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 
By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Consumer complaint received 2018-04-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Total Card, Inc. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX I have filed bankruptcy ( Ch XXXX ) about a month ago and they are saying they are pressing the following charges : Breach of contract Malicious intent to avoid repayment The account was opened in XX/XX/2016. I am not employed. I also now receive SSI. I made some payments on the account. I didnt purposely stop paying them. The company is saying I signed something stating I will not file bankruptcy. Is that even legal? When I told them they asked for a copy of the order but I am afraid to send it because I don't know if they are legitimate. I told them I filed and that they are violating the bankruptcy laws by continuing to contact me trying to collect on the debt. 

It is a collection agency calling me on their behalf. It sounds like an illegal practice to collect on the debt. Here is the contact info for the collection agency. 

XXXX XXXX
Consumer complaint received 2020-12-11
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 recently pulled my credit report and seen there was accounts that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). 
The following account is listed below : XXXX  XXXX  XXXX  # XXXX, XXXX  XXXX  XXXX  # XXXX, XXXX  XXXX  XXXX  # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX
Consumer complaint received 2023-07-27
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. (PA)

I have made several attempts to dispute the presence of accounts on my credit report that do not belong to me. Despite multiple submissions of disputes and FTC Reports, these accounts are still being reported. It is disheartening to see that these companies have chosen not to address the disputes as mandated by the law.
Consumer complaint received 2018-09-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: PNC Bank N.A. ()

Dear Gentlemen, the XX/XX/XXXX I went to the PNCBANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX. 
I canceled my acount completely with the help of Mr. XXXX XXXX email : XXXX. 

The XX/XX/XXXX the Estimated amount of {$3000.00} suposely has been transfered to my account in the XXXX XXXX XXXX XXXX but uptill now I have not received the money. 

XXXX : XXXX XXXX ( XXXX. 
Client Identifacation : XXXX ID Type : Passport Client Phone : XXXX XXXX Reference Number : XXXX at XX/XX/2018 My name is XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX . 

I wrote an email to Mr. XXXX XXXX XXXX So far not any answer!! 
I called the headoffice XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX They cant help me since its not possible for them to trace my expected amount of {$3000.00}. 

I kindly request you to help me out with this unfortunate metter, since the PNC BANK XXXX does not give me any answer. 

Awaiting for your answer due to this case I send you my kind regards, XXXX XXXX XXXX
Consumer complaint received 2021-01-26
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. (GA)

The credit bureau is reporting inaccurate information to my credit report. I sent in a dispute letter to them on XX/XX/2020. They have fail to comply within the 30 day statute of limitations.