davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-14
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. (AL)

This complaint is regarding the investigation of my disputed submitted on XXXX XXXX. I disputed the account with Equifax, XXXX and XXXX. All three companies allowed XXXX to verify the reporting information as accurate. I requested that the credit bureaus send me the information used to verify the account along with the contact information for everyone involved in verifying the account, but did not receive the information. The information is not accurate. The open date is different with all three credit bureaus. Also, the open date is reporting as XX/XX/XXXX. However, there is no payment history reporting until the following year in XXXX when the account went negative. XXXX is the original creditor. Since they are reporting the account to the credit bureaus, they MUST report ALL information. The payment history is incomplete, which is a violation of the Fair Credit Reporting Act. There should be a payment reporting each month from the open date on XX/XX/XXXX, but it is not. Also with Equifax, the payment status has been reporting as 120 days late for over a year. This is obviously inaccurate.
Consumer complaint received 2022-08-08
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. (LA)

This is my sixth letter submitted to you informing you that I am a victim of identity theft and I complain to question this items in my file occurred because of some negligence. The data I am questioning connect with no exchanges receiving any possession of goods, services, or money that I have made or approved. Assuming no one cares either way, impede the noteworthy of any information in my credit file that surfaced due to alleged fraud : XXXX XXXXXXXX Balance : {$7500.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XX/XX/2020 ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-08
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Westhill Financial (KY)

They have been harassing me saying I owe a debt from a check that came out of a closed bank account 4 years ago and even contacted my employer, through a customer service line stating they were a customer, and then released information to a random employee stating that they are making a decision on my behalf with or without me and told said random employee I needed to contact them after telling this employee all of my information!
Consumer complaint received 2021-04-12
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: BARCLAYS BANK DELAWARE (PA)

On XX/XX/2020 I placed an order for a furniture Set ( 6 ) pieces for {$2700.00} with Merchant XXXX  using my Barclay 's Bank Master Card Account. 
In XXXX I received only a partial delivery of the furniture ( 4 ) pieces from the Merchant who notified me that the other pieces of the set were now backorded due to COVID impact on production. 
I filed a dispute with Barclay 's to delay payment of the set until we could verify that I could receive the entire set. Barclay 's removed the charge in XXXX while investigating, but then returned the charges in XXXX stating a refund could not be made by the Merchant. 
I contacted XXXX in early XXXX and we discussed the item was still in backorder so they should pick up the ( 4 ) items and cancel & refund the order. XXXX Agreed and I have attached the documentation. XXXX did pick up the ( 4 ) items and issued a refund on XX/XX/2020. 
Barclays was notified by me throughout this process and provided ALL documentation but never issued the credit. To date, this transaction was never completed, the order canceled & refunded by the Merchant - however Barclays is still billing me for {$2700.00} plus late fees and interest. 
I have faxed documentation to disputes on too many occasions to list. 
Emailed and called representatives. 
Mailed documentation to Barclay 's Home Office in Delaware to the complaints department and receive no response. The Account I hold with them remains in arrears due to their internal incompetence. 
See attached file which included refund and return confirmations from XXXX as well as written correspondence to Barclays. 
Regards, XXXX XXXX
Consumer complaint received 2022-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NY)

Good afternoon, I was impacted by the pandemic my last day in my office was XX/XX/XXXX. I returned and had no choice but to accept a demotion on XX/XX/XXXX making approximately $ XXXX less than I was making. I used up all of my savings to keep up with my payments. Before the pandemic I had an impeccable payment history. Never missed a payment. The Corona Virus Aid Relief Economic Security Act was enacted in XX/XX/XXXX stating Late payments should not be reported to the Credit Bureaus. I contacted CBNA/CITIBANK/BEST BUY letting them know of my situation. They close my account and put me on a payment plan. I was making my payments on time before the pandemic and after I was put on a payment plan, I continued making my payments. I contacted them and asked them to remove the late payments due to the pandemic letting them know of the Corona Virus Aid Relief Economic Security Act, asking them to please remove the late payments on my credit report for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and they responded and refused to do anything about it. Before the pandemic I always made my payments on time. If it wasn't for the pandemic, I would be able to make my payments on time. I'm trying to refinance my house to pay off my credit cards but I'm not able to do so because CBNA/CITIBANKXXXXBEST BUY late payments information is affecting my credit score and my ability to do so.

Thank you
Consumer complaint received 2018-12-06
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. (FL)

I have already been the victim of identity theft several times and have a fraud alert on my credit these accounts are from 6 years ago to places I have never been. I have confirmed I have never been to these places and they are not mine please remove from my credit report.
Consumer complaint received 2022-06-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MI)

Transworld systems inc. is trying to collect on a debt that is not mine. In accordance with the Fair Credit Reporting act Transworld Systems , INC. Acct ( 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 a account without my written instructions.
Consumer complaint received 2022-01-11
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

We try to submit a modification packet every month but the bank continues to decline by asking for a 6 months profit an loss statement which we provide every time. It seems like they simply don't want to modify the loan. All of the requested conditions by the bank were met by us and we update the packet every month, and all they do is look for reasons to decline.
Consumer complaint received 2018-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MO)

XXXX XXXX and XXXX  XXXX XXXX are reporting negative accounts on my credit reports. Not only are they reporting false information the information that they are reporting is not mine information. I called and spoke with the creditors and requested they provided me with documentation showing this debt belongs to me. After further review of the paperwork they have a different social security number on the contract. I called the credit bureaus to report this inaccurate information and they failed to follow up. They stated the information was verified. I sent in a copy of the contract from the company showing the social security number on the contract does not belong to me.
Consumer complaint received 2020-12-14
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)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. And it has been 60 days later I have not received a response yet. I also sent another letter on XXXX And still nothing! I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or will file for litigation due to high stress from this horrible experience, this isn't right! My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-02-01
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. (GA)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :
Consumer complaint received 2022-01-11
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. (MS)

Please Remove all Fraudulent inquiries as I have no knowledge of any of these accounts due to the Equifax data breach identity theft. all is being investigated by the FTC, According to FCRA 605B this information must be blocked immediately until the investigation is over.
Consumer complaint received 2021-04-12
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. (GA)

I have disputed with XXXX  and Equifax on several occasions about a creditor I have no affiliation with. XXXX XXXX XXXX XXXX  has no legal authority or affiliation with me. I have tried on a number of attempts for them to remove the reporting. They are knowingly hurting my credit standing. They knowingly will not even report any information. I have submitted cancelled checks proving payments. I have provided my court ordered child support documents from the state of Georgia. The Georgia court orders me to directly pay XXXX, my ex spouse directly. I have complied for over 10 years. 

I respectfully request these credit agencies remove this creditor immediately. It is very sad a Government department can abuse their power and authority and knowingly cause harm to an individual from another state that has absolutely no obligation to work with them. XXXX
Consumer complaint received 2021-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (MD)

I contacted Nelnet on XX/XX/XXXX via email explaining the error reported on my credit report. I received a copy of my latest credit report and I see two XXXX of Ed/Nelnet accounts are reporting inaccurately on my credit report. The account payment status is showing 120 days past due. My account has been transferred in XXXX. Why is still reporting as 120 days late for XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. This is re-aging a closed account. This inaccurate account is hindering me from future lending. Please delete both accounts from my credit report.
Consumer complaint received 2020-02-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: First Data Corporation (MI)

On or about XX/XX/XXXX I received a email from TRS Recovery Services inc with a demand for XXXX. 

XX/XX/XXXX I mailed them ( tracking number XXXX ) with postal money order in the full amount of XXXX. 

According to the tracking information provided by the postal service the payment was received on XX/XX/XXXX. 

On or about XX/XX/XXXX I received a call from XXXX, A representative of the original creditor of XXXX  XXXX XXXX, ( XXXX ) XXXX, XXXX claimed I never paid the debt, he demanded I make payment with him.
Consumer complaint received 2021-10-08
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. ()

Ive sent numerous letters to the credit bureaus and to XXXX asking them to verify the late payments on my credit report. I never received proof of my late payments. Also I learned that reporting late payments that arent verified are against the law. In addition according to 15 USC 1681 ( a ) ( 4 ), I have a right to privacy and I havent been able to exercise that right.
Consumer complaint received 2022-06-26
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. (FL)

in accordance with the Fair credit reporting Act, XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C Section 604A Sec.2, states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2018-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (VA)

During the time of my XXXX  from XX/XX/XXXX to XX/XX/XXXX the reporting agency has reported over 60 missed payments with my student loans. I was in XXXX  and due to my circumstances was unable to pay on my loans.
Consumer complaint received 2021-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (PA)

Attempts to get free credit report from Equifax.com have been thwarted by their incorrect security questions. Their questions ask to identify two accounts from a list of eight, for which " None '' is the correct answer, and to identify an outstanding balance, again the answer is " None. '' I get stonewalled at that point. The questions lead me to believe that unauthorized people have piggybacked onto my identity via Equifax! I spoke with " XXXX '' on XX/XX/2021 who could not resolve issue.
Consumer complaint received 2022-06-26
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. (FL)

in accordance with the Fair credit reporting Act, XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C Section 604A Sec.2, states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-14
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. (FL)

False/inaccurate information due to identity theft is being reported on my credit report. The name attached to my file number is not mine. The addresses attached to my file not mine. The phone numbers attached to my file are not mine. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with XXXX hours of this complaint being received. All items listed are fraudulent and inaccurate. 

In accordance with the Fair Credit Reporting act this information 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 a account without my written instructions. This is in clear violation of my rights. 

In pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company also has NO permission to report ANYTHING using my information pursuant to 15USC1681 4 Credit report found unverifiable, invalidated, inaccurate, and questionable items that your agency did not make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2021-10-08
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. (MN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WA)

Our mortgage loan was transferred from a bank we love to Loan Care, LLC in XXXX  XXXX, Virginia in XX/XX/2019 ( loan number ending in # XXXX ). 

We set up our autodraft for the mortgage on XX/XX/19 and our first withdrawals started taking place on XX/XX/19. There were few issues until XX/XX/2019. 

Then, for no apparent reason, Loan Care started charging us monthly late fees for XX/XX/XXXX and XX/XX/XXXX payments ( we were not late ) of {$96.00}. When we would call to determine the reason, their terrible customer service was never helpful and never able to give us a reason, and our only option was to pay online to avoid being reported to a credit agency while we investigated the root cause. 

After 2 months of this happening and calling/emailing and going online, I finally reached a supervisor who was somewhat helpful but also very perplexed by our situation. She could not determine why we have been charged for these late fees and claimed she opened an escalated ticket ( # XXXX for this problem to be investigated. The escalated ticket states that there is no apparent reason why the late fees are being charged and when/why/how it started and when/how it will stop. 

I have now paid {$190.00} in late fees, and according to the supervisor I spoke with today, she thinks we will see another late fee for XX/XX/XXXX. Not to mention the distress and time we have had to deal with this, we also believe that the erroneous late payments - that weren't actually late - have been reported to credit bureaus, so the damage is now done to our credit report and FICO scores. 

With the exception of the supervisor I spoke to today at approximately XXXX CT, every customer service representation has been extremely unhelpful, has even lied, been rude and refused to assist us. Today at approximately XXXX, I spoke to a CSR , named XXXX, who actually yelled at me then proceeded to HANG UP on me when I pressed further for her to help me investigage and get to the bottom of this problem. I assume this is what their CSRs are trained to do in order to get away with sneaking in these additional illegal charges. If even a fraction of their total loan customers are charged illegal late fees, this number will add up quickly and be pure fraudulent profit to Loan Care. 

If you read the XXXX XXXX XXXX complaints on this company, there is a pattern of this behavior with similar problems and complaints. 

I will file this complaint before taking legal action against them ( citing : refund of late fees, damage to FICO scores/financial reputation, pain and suffering ). 

Thank you for your assistance.