davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-10
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. (OR)

Equifax is not showing I have a credit report. So since XX/XX/2019 I have been sending my information so they can build a credit file for me. They still have not. Every time I call they tell me they have not received any of my information even though they have sent me letters regarding the information. They are refusing to do their jobs and are not giving me any explanation as to why.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I'm experiencing immense stress and sleepless nights because of this problem. It's frustrating because I've always been punctual with my payments for this account. I sincerely request that you address this issue promptly, ensuring my account reflects the accurate information and relieving the unwarranted stress it has caused
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  - credit extension, review, or collection with account # XXXX opened on XX/XX/XXXX and a balance of {$620.00}. 

XXXX XXXX XXXX XXXX XXXXXXXX loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX  - credit extension, review, or collection with account # XXXX opened on XX/XX/XXXX and a balance of {$530.00}. 

XXXX Charge account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$440.00}. The original creditor is XXXX XXXX XXXX XXXX. 

Collection account from XXXX XXXX with account # XXXX and a balance of {$0.00}. The original creditor is XXXX XXXX. 

XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$9800.00}. 


-Please delete all of these account in my credit report cause it's reporting inaccurately and it's causing too much damage and it's giving me XXXX.
Consumer complaint received 2021-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Onity Group Inc. (MA)

I sold my home. Closed XX/XX/XXXX. PHH mortgage services still has not updated my credit correctly paid in full. They are harming my credit Im trying to buy a new home They also took over 18 days to send a payoff missing first deadline costing me more money in housing legal expenses. They lost documents refused a manager a direct number scanned documents wrong lied to my attorney then received payoff and held it for five days I want my credit fixed immediately Im in underwriting they are horrible to the point of complete utter insanity I want to update address for any refunds and I want to see recorded discharge immediately this is urgent
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I'm deeply troubled by the presence of this late payment on my account, as I've consistently made on-time payments. It's causing me significant distress, and I urgently request that you rectify this error by removing it from my account.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

last year i settled the XXXX capital one accounts that had delinquent balances that appeared under my social. However there is a third - balance is {$260.00} that no one has record of but it continues to report derogatory. I am unsure what to do at this point but it's not mine and this needs to be removed
Consumer complaint received 2021-10-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

I am filling a complaint against PayPal. I sold a few sneakers last year around XXXX on XXXX, and suddenly my PayPal account got permanently restricted for no reason. I had around {$6100.00} balance right before the restriction. I shipped all the orders out and they were all delivered and verified thru XXXX. I was told by PayPal to wait 6 months in order to withdrawal the balance to my bank account, but PayPal took the money ( full amount ) from my account automatically when the 6 month ended. The only reason they give me is that I violated their term of service, but I have properly shipped each product and they were verified by XXXX before even reaching the customer. As you can see in the XXXX emails, all for my sneakers were successfully authenticated by XXXX. I have called and emailed PayPal, but I have never received any response from them in months.
Consumer complaint received 2024-02-15
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: AmeriHome Mortgage Company, LLC (PA)

we went into a forbearance, once it was over we tried to start making payments. we sent in the first few months. the loan company sent us back the payments in XXXX lump sum. they then called us and told us in order for them to approve our modification we would just have to send the money back. we did on that call. it was about XXXX dollars. they then told us to wait for a packet, fill out the packet and them send it back in. We waited and no packet so we called, each time we called I explained the entire situation and was told to wait for a call back. it got to the point where a supervisor had to look at the notes. she said she didnt know why they told us to wait for a packet and she would get to the bottom of it because she could see it in the notes from all our calls. she never called back. so again I called. they told me to fill out another packet. this XXXX  finally came. we filled it out but by this time out mortgage was so far behind that they denied our modification. now our home is in foreclosure.
Consumer complaint received 2021-10-05
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery/XXXX XXXX Account # XXXX Collections Agency : Portfolio Recovery Associates , LLC. Original Creditor : XXXX XXXX XXXX XXXX XXXX 1. ) Portfolio Recovery has perjured themselves in their last response to The CFPB. They claim they mailed a letter notifying me of the debt they allege I owed to them in XXXX, however, show no proof of such, I never recieved such, I was unaware I could dispute this debt and the only documentation they have stating they mailed me anything at all is dated XXXX, roughly ( 3 ) three years later. 

2. ) Portfolio Recovery made the irrefutably false, fraudulent, deceptive and misleading statement in their last response to The CFPB : " Business records provided to PRA by XXXX XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, for XXXX XXXX XXXX whose social security number ends in XXXX and that a balance of {$3500.00} was due on the account at the time of PRA 's purchase. '' I have personally confirmed with XXXX XXXX, that the account ending in XXXX was not opened until XX/XX/XXXX, not XX/XX/XXXX as they falsely claim. 

In fact, XX/XX/XXXX has clear records which state my XX/XX/XXXX account beginning in XXXX which was opened XX/XX/XXXX, was closed in XX/XX/XXXX, due to my account being upgraded to a XXXX XXXX XXXX XX/XX/XXXX account which was then updated with a new account number ending in XXXX. None of these dates are remotely close to Portfolio Recovery false and likely forged record of events as they clearly have retaliated for a period of 5 years through deceptive practices. 

The XXXX XXXX Account beginning in XXXX which was opened XX/XX/XXXX, was closed in XX/XX/XXXX, is in fact still listed within my credit report with an exceptional payment history, and a credit limit of {$500.00}, which does not reflect Portfolios records either.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

My XXXX  loans were previously held with XXXX before they were transferred to XXXX in 2022. XXXX XXXX  is still reporting them as active to all XXXX credit bureau 's. I can't get through to XXXX because you need to have an active account and I have tried by phone, email and botchat but it will not let me proceed. I have tried having the credit bureau 's do an investigation but they continue to keep the balance of XXXX  on my account an addition to XXXX. This is doubling what it says I owe for my XXXX  loans. I am getting no where in trying to get this information accurately updated.
Consumer complaint received 2020-08-28
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: GUARANTEED RATE INC. (CA)

We were in forbearance from XXXX 2020 with Guaranteed Rate, Inc. We had communication throughout the month of XXXX to bring the payment up to current for those three months. Guaranteed Rate , Inc requires {$12.00} to pay over phone, but we paid online instead and received a confirmation number. Guaranteed Rate , Inc never accepted the online payment, nor did they reach out to say they wouldnt accept the online payment. I had to reach out to them by phone after seven days passed because the funds was still in our account. At this point I was told you can not make multiple payments at once, but would have to be 3 individual payments. I was confused as Guaranteed Rate , Inc payment system didnt relay this information, nor did the agent who I spoke with. We sent them a check in the full amount for those three months and the very next day we received notifications that were 90 days pass due. This dropped our scores tremendously over XXXX points. This makes it impossible for us to refinance in XXXX because now our scores are horrendous. Weve worked very hard to have decent scores for Guaranteed Rate , Inc to thrash them with their incorrect reporting. Our scores will take months to recover from this false reporting. I dont recommend Guaranteed Rate , Inc as they are irresponsible in reporting accurate information. Not to mention they have blocked us from making payments online now. I call them to address this and they just transfer me back in forth for 40+ minutes with no help to resolve the issues. Horrible customer service.
Consumer complaint received 2016-04-18
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: EQUIFAX, INC. (MD)

I am wanting to submit a arbitration claim against Equifax for FCRA and Maryland state deceptive trade practices violations. Their arbitration clause states as follows : " Binding Arbitration. Either You or Equifax may, without the other 's consent, elect mandatory, binding arbitration of any Claim ( as defined below ) raised by either You or Equifax against the other. As used in this arbitration provision, the term " Claim '' or " Claims '' means any claim, dispute, or controversy between You and Us regarding any aspect of Your relationship with Equifax , including but not limited to any Claim arising from these Terms of Use or arising from Your use of the Products or this Site or any information You receive from Us, whether based on contract, statute, common law, regulation, ordinance, tort, or any other legal or equitable theory regardless of what remedy is sought '' Their clause also states : ". The party filing a Claim in arbitration must select either the XXXX ( " XXXX '' ) or the XXXX XXXX XXXX ( " XXXX '' ) to administer the arbitration. " As I am sure you are aware, NAF does not perform consumer arbitration any longer due to an out-of-court settlement they have with the Minnesota Attorney General. XXXX refuses to administer any arbitration proceedings with Equifax due to Equifax 's arbitration agreement not meeting XXXX stringent consumer protocols. This is creating quite the Catch-22 for consumers. Equifax does not want consumer initiating class-action lawsuits against them, yet a consumer is unable to initiate an arbitration claim against Equifax due to the XXXX forums listed in their clause not accepting any cases with Equifax. What is a consumer to do? 

A consumer could initiate an action in federal court to compel Equifax to arbitrate, but until Equifax updates their clause to meet XXXX 's consumer protocols, the consumer is pretty much in limbo. I am requesting your agency look into this illegal clause as I feel it violates not only the Federal Arbitration Act ( FAA ), but also Maryland 's deceptive trade practoces act. Thank you.
Consumer complaint received 2021-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2023-10-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (PA)

Edfinancial Services is trying to collect payment on loans that are in the borrower defense that are supposed to be discharge. I received a letter stating loans from XXXX University are being cancel. XXXX XXXX for XXXX XXXX XXXX XXXX are being discharged as well. I asked the company to provide the new total amount to me, which the company has not. I'm also in school and is not required to pay any loans because of it. 

In XXXX  I consolidated the XXXX XXXX XXXX XXXX. The total loan amount was added up wrong. I filed complaint after compliant with no resolution. The unsubsidized amount should have been {$14000.00} the balance is showing {$16000.00}. {$2400.00} was added to my loan amount and that wasn't interest. Subsidized loan amount should have been {$9100.00} and they have {$8100.00}, {$1000.00} was not added. I consolidated again in XXXX still not aware the loan amount was not corrected {$12000.00} for subsidized was added and {$6000.00} for unsubsidized loan. subsidized should total up to {$22000.00} plus {$1700.00} interest and {$600.00} in interest should be added {$20000.00} for unsubsidized. the balance are incorrect and wrong on my credit report.
Consumer complaint received 2021-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have six unauthorized inquiries on my credit report by XXXX  XXXX  on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX also I have on XX/XX/XXXX XXXX XXXX unauthorized inquiry also XXXX XXXX XXXX XX/XX/XXXX I did not apply for any of these and have contacted these companies and got no farther than I am now
Consumer complaint received 2024-02-15
Product: Credit reporting 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. (NC)

Equifax refused to investigate the following inquiries for proof of permissible purpose. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-23
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC (TX)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against JEFFERSON CAPITAL SYSTEMS LLC for violations of the Fair Credit Reporting Act ( FCRA ) and the unauthorized addition of a delinquent account to my consumer credit file.

Details of the complaint are as follows : **Unauthorized and Fraudulent Credit Profile : ** While reviewing my recent consumer credit file, I discovered an unauthorized and fraudulent credit profile listed by JEFFERSON CAPITAL SYSTEMS LLC . I did not authorize anyone employed at your company to view or add a delinquent account to my consumer credit file. This action is a direct violation of the Fair Credit Report Act Section 1681b ( c ), constituting fraudulent activity and a serious breach of my privacy rights.

**Verification and Documentation Request : ** I request JEFFERSON CAPITAL SYSTEMS LLC to validate the information listed in the credit profile mentioned above. Please provide copies of any documentation associated with these accounts bearing my signature, authorizing an account. Additionally, I demand the production of a contract between JEFFERSON CAPITAL SYSTEMS
LLC and me, the consumer, bearing my signature, showing that I gave permission to furnish any information on my behalf.

**Immediate Deletion of Fraudulent Inquiries : ** In the absence of documentation bearing my signature, I formally request that these fraudulent inquiries and the associated delinquent account be immediately deleted from the credit file maintained under my Social Security number by JEFFERSON CAPITAL SYSTEMS LLC .

**Compliance with FCRA : ** JEFFERSON CAPITAL SYSTEMS LLC is obligated to complete this investigation within 30 days, as per the Fair Credit Reporting Act Section 611. I expect full compliance with the FCRA and timely resolution of this matter. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will conduct a thorough investigation into JEFFERSON CAPITAL SYSTEMS LLC actions and ensure that corrective measures are taken promptly. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-11-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc. (IL)

I am a victim of Identity Theft, I have filed a police report and FTC Report, Identity theft Complaint and Affidavit for the account that appears on my credit report but doesn't belong to me : SANTANDER XXXX This account should be removed from my report immediately. 
I keep receiving phone calls from Collection, I have attached a copy of my phone screen that I have received phone call from SANTANDER even after I asked not calling me sand I have sent all supportive documents to proof my statement
Consumer complaint received 2020-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

They closed my secured card and told me To Reapply when I Do their system says u have Account which I dont they sent me a letter which doesnt make sense why cant I have another account if they told me to Reapply