davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: INVESTORS BANK (PA)

We have had bi-weekly mortgage and a home equity loan with Investors bank for several years, when it was with XXXX there was no servicing problem. When Investors purchased XXXX the servicing became a complete nightmare. Their online system is a complete joke and is never correct, they do n't apply payments the proper way. We should never be charged more than 24 bi-weekly payments for the mortgage, so far this year we have paid 22 payments and should only owe investors to payments for remainder of this year. Their website shows we owe {$2000.00} and they probably will add another payment, this is n't correct. The HE loan should be no more than 12 payments in a year, we have paid 10 payments this year. Their website keeps adding payments no showing we owe {$970.00} and that is n't correct. I was working with some girl called XXXX XXXX who was responding until I threatened to report Investors for their terrible servicing. They have had these mortgages a complete mess from day one. This year they went into the account and made all these corrections but it 's a complete mess again. It 's not like I have n't tried to fix this problem. A mortgage payment was made in error to the HE loan, I told XXXX to fix it instead investors ignored my requests. When we took this loan we were given an option that this could be taken off bi-weekly and made into a monthly payment plan. Investors seem to have lost paperwork in the process. I do n't think Investors is servicing this account but maybe another party. We get these random typed bills from this bank occasionally, it is n't even like a regular statement. We own another home and have that mortgage with another bank and we have none of these problems. Every month XXXX sends a detailed bill out showing how all payments are applied, it is n't some unprofessional bill. Please help us because this bank is terrible.
Consumer complaint received 2019-06-06
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I am so disappointed how Equifax investigation went. They keep on reporting the account as late. They refused to reverse the late payments without documentation as to why. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2019-06-06
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. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove XXXX XXXX XXXX
Consumer complaint received 2021-11-03
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: NVR INC. (VA)

I put a contract on new home at XXXX XXXX in XXXX XXXX Virginia on around XX/XX/2021 I was told that I had a derogatory item on credit by NVR mortgage and that it needed to be removed before closing. It was an erroneous item so I had it removed from my credit report. Now they are refusing to close and refusing to refund my deposit and harass me over the phone ( I have voice mail message from manager saying inaccurate derogatory statement ) and threatening not to give me me deposit back of XXXX dollars.
Consumer complaint received 2019-06-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (FL)

I attended the vocational school from XXXX - XXXX. I was told that it was an accredited school so I took out a loan to cover the tuition. I believe the estimated cost of the school at the time was {$30000.00}. There were 8 semesters over the course of 2 years. I've only received one refund over the course of two years and it was only because I went down the registrar 's office to inquire. I received my only refund in my 8th semester. I graduated shortly afterward when I had heard the FBI had closed the school down for illegal activity. Some time had passed and I received a letter in the mail regarding a class action lawsuit.  Unfortunately, by the time I discovered the letter I had missed the window to participate in the lawsuit. Not mention, when I tried to pursue another degree, I found out my degree from XXXX XXXX XXXX was not accepted by any college or university I applied to. I had to start completely over meanwhile, years of interest accrued for an education I feel has caused a questionable amount of debt
Consumer complaint received 2021-08-08
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. (MI)

I XXXX XXXX a consumer in fact a natural person was reviewing my consumer report on XX/XX/2021. I noticed that XXXX  and other consumer reporting agencies are participating in fraudulent credit reporting activities by reporting inaccurate and unverified information to my consumer report without my XXXX XXXX written consent which is a violation of 15 usc 1681b. Also XXXX  and other consumer reporting agencies have breached my individual privacy which is a violation of 15 usc 1681a ( 4 ).
Consumer complaint received 2021-04-28
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: AFNI INC. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX AFNI ( Original Creditor : XXXX XXXX ) XXXX ... XXXX  ( Original Creditor : XXXX XXXX ) XXXX ... XXXX XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2019-06-06
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. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove 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 2022-04-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance to the Fair Reporting Act XXXX XXXX  - XXXX XXXX XXXX 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 2021-08-08
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 (SC)

Affirm has reported 5 accounts as delinquent. All of these accounts were opened XX/XX/2021. I contacted the company via email to advise the accounts were not mine nor do I have any knowledge of the accounts. In addition the payment account/s provided for automatic payment do not belong to me. I never received a response from the company. 
I currently have one active account with Affirm ( XXXX  ). This account is current and automatic payment is debited from my wifes account which ends in XXXX. 

I dont have any knowledge of what products were purchased/financed in XXXX. 

The 5 accounts reported as delinquent were fraud and I should not be held responsible. 

Each time I have opened an account with Affirm it has been paid as agreed. If you look at my credit report all of my payments are made on time!
Consumer complaint received 2021-08-08
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. (MO)

I am the victim of identity theft and got sick during the XXXX XXXX and equifax Is falsely listing accounts on my credit report that are not mine and I have no knowledge of. They refuse to let me call by phone or dispute online.
Consumer complaint received 2021-04-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

Received phone call that {$1000.00} was charged to my Amazon account from phone # XXXX XXXX XXXX. Told to call this number on XX/XX/XXXXat XXXX XXXX.
Consumer complaint received 2021-08-08
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MOHELA (GA)

I XXXX XXXX on XX/XX/XXXX I checked my consumer credit report and found Missouri Depart of Higher Edu has been reporting on my consumer credit reports.

Pursuant to FDCPA 15 usc 1692d ( 1 ) it is a violation to use means to harm a consumers reputation. Also pursuant to 15 usc 1692e ( 2 ) ( A ) it is also a violation to falsely represent any amount of the debt.
Consumer complaint received 2021-08-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Chime Financial Inc (MT)

Opened a account with CHIME and it went great for the first several months. About 5 days ago i got a random notice from them stating that my account has been suspended for suspicious ID issues. I sent them multiple forms of valid ID and they STILL flat refusing to re.open my account ... right before my full salaried paycheck is supposed to be deposited into that account - tomorrow morning!!! Plus, my bonus check is supposed to hit this week also! I reached out to other disgruntled ex account owners who had posted rants about chime online on XXXX. Multiple ex account holders messaged me back and said they never got their $ back!!!!! SHUT THEM DOWN!!!
Consumer complaint received 2020-12-07
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. (GA)

Someone used my identity to gain an apartment in my name in a state i do not live in the other credit bureaus have been very helpful in helping me with the matter but Equifax has caused me more headaches and pain they removed the fraudulent account and placed it back on my credit. If this issue is not resolved i will file a lawsuit
Consumer complaint received 2017-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

Hard Inquiries Pull on Account Back to Back- When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a dent in your score. Here are the inquiries on your XXXX report. 

XXXX XXXX BANK XXXX : XX/XX/XXXX - Bank ( XXXX ) XXXX See an error? 
Find out how to dispute a hard inquiry Institution Information XXXX XXXX BANK XXXX XXXX XXXXXXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX BANK XXXX : XX/XX/XXXX - Bank ( XXXX ) XXXX See an error? 
Find out how to dispute a hard inquiry XXXXnstitution Information XXXX XXXX BANK XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX
Consumer complaint received 2017-12-19
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (IL)

I am enrolled in income based repayment with Navient on my federal student loans. They have a history of incorrectly processing the necessary paperwork, so this year I was very careful to ensure my renewal application was complete and filed with plenty of time for them to review ( over a month, possibly two months ). They failed to correctly process the paperwork. As a result, they booted me from the income based repayment program and in the process proceeded to incorrectly capitalize interest. They now assert that I owe more money than I actually owe, both as principal and as my monthly payment. I have called them at least 3 times about this, and remain without resolution. I know that the information that I submitted was sufficient, as it was identical to what was provided to other loan servicers who I submitted to for other student loans of mine.

Additionally, I was shocked to hear one of the Navient customer service agents ( " XXXX '' Navient ID # XXXX ) try to tell me that capitalization of interest is normal and correct as part of the income-based repayment process each year... that is false. Capitalization of accrued interest only occurs upon exit of the program. This man was either negligent or intentionally lying to me. I 've looked at a lot of information about Navient online and it appears that this is a pattern and practice for them.
Consumer complaint received 2020-12-07
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO LOAN OR LEASES 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.
Consumer complaint received 2017-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IA)

I was notified via my credit score monitoring service that a collection had been placed on my credit history by XXXX in XXXX Arkansas. I called this company and they say I owed them XXXX $ for a internet line started in my name somewhere in their service area. I told them I never even lived in Arkansas, much less opened an account with them. They would n't help me. 

I contacted XXXX and Equifax to dispute this collection. XXXX removed the collection, finding it to be not valid. Equifax told me it was valid. It is not valid. I have never lived in Arkansas. The only explanation is someone used my name to open an account or there is a mixup somehow. 

I do n't really see an option to appeal with Equifax 's decision except to add a statement to the note on my credit report, to again try to dispute the account with the original company ( which got me nowhere ), or to send them some sort of documentation about the collections but I have no such thing since I did n't open any actual account and can not prove a negative.
Consumer complaint received 2021-08-08
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)

I have sent challenge letters to Equifax to properly and transparently investigate these false accounts on my credit reports. However, they have not conducted such reinvestigations in accordance with federal law under the FCRA. I sent cease-and-desist letters directly to several creditors which Equifax is still furnishing my report inaccurately. These letters are attached below upon receipt of my cease-and-desist letters those companies were to cease all communication about these alleged accounts. However, Equifax continues to violate federal communication laws under the FDCPA by continuing to report these accounts. Moreover, I have included my most recent challenge letter I sent to Equifax last week. I ask the CFPB to ensure that Equifax sends me all all calls, transcripts, emails and any other communications used to verify all these accounts via USPS certified mail. They must do this within the next 30 days if they fail to delete and update these accounts.
Consumer complaint received 2020-12-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

Chase closed my account with no clear reason while the account had over XXXX dollars in it. I attempted to get help in person and was only given a phone number and was threatened with security when I asked about my missing funds. When calling the number, I was just told they will eventually send a check and to not call back.
Consumer complaint received 2021-08-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: I.C. System, Inc. (NJ)

I have no knowledge of this debt, please provide demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. absent such proof, you must correct any erroneous reports of this past debt as mine, i requested the collection agency to provide the following information : -please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( i ) in this alleged matter. -what is your authorization of law for your collection of information? -what is your authorization of law for your collection of this alleged debt? -Please evidence your authorization to do business or operate in this state. -Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. -Please provide a complete account history, including any charges added for collection activity. -Please provide me a complete purchase what you pay for the debt. you have 30 days from receipt of this notice to respond. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of your claims in matter, and will entitle me to presume you placed this on my credit report ( s ) in error and that this matter is permanently closed. provide the proof, or correct the record and remove this invalid debt from all sources to which you have respond it.
Consumer complaint received 2022-08-05
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. (GA)

EQUIFAX DID NOT HAVE MY CONSENT OR A PERMISSABLE PURPOSE, AND DID NOT RESPECT MY RIGHTS TO PRIVACY, TO FURNISH OR CREATE THE REPORT THAT THEY SENT TO THIRD PARTY AGENCIES.
Consumer complaint received 2022-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

Received a debit card from Bank of America for an account that I never opened. I called the customer service number on the back and created two fraud claims ( one for the checking account and one for the savings account that had been opened in my name ). I received emails a few days later indicating that the fraud investigation was complete and that I should fill out a form and provide a copy of my driver 's license, passport, Social Security card and other information that seems unnecessary to resolve a fraud claim for accounts that I never opened.
Consumer complaint received 2021-08-08
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. (MI)

I have sent in a letter in the middle of XXXX addressing the problems with my credit report and they were not all addressed. I am devastated that they have included the information in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. They are violating many of my rights and are civilly liable. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they were required by federal law to verify, through the physical verification of the original signed consumer application, any and all accounts that you post on a credit report. Although they did not supply the contract like I asked, in response, they have sent back documents stating factual evidence to support their assertion ( a violation of 15 USC 1681 ( a ) ( 3 ) ( e ) ) and did not interview my friends, family, neighbors, or associates like the law requires in 15 USC 1681 ( a ) ( 3 ) ( e ) under the exclusion section. They are also in violation of 15 USC 1681 ( a ) ( 2 ) ( b ) under the exclusion section. Congress says anything that extends or was authorized from a credit card or similar device should be excluded from a consumer report. A " credit card '' is, in fact, not an XXXX XXXX or XXXX credit card because the actual definition says " any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' Also known as my Social Security Card, Driver 's license, and more. They have failed to realize these mistakes on their behalf and should remove these items immediately. They have also failed to recognize that only I, the original creditor, can verify. Please act upon this matter and thank you.
Consumer complaint received 2017-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (FL)

I contacted XXXX XXXX because I am going through a financial hardship. I asked them to settlement on this amount owed before I am not able to pay for it. The representative told me over the phone WE HAVE NO SETTLEMENTS TO OFFER YOU. I told the representative that I am reaching to them first before it gets too bad. But they were no help at all.