davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-16
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. (AZ)

I reported an error & requested an investigation on my XXXX & Equifax credit report related to an account with XXXX XXXX # XXXX for the amount of {$330.00}. This account was for a hospital bill that belonged to my son and clearly states his name on the original document. They have refused to remove the item and/or re-investigate the account. I have even provided documentation and notified the original place of the bill to have my name removed from the account. Nothing has been done about this negative item on my account.
Consumer complaint received 2021-03-03
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

I was awarded XXXX in XXXX of 2020 and XX/XX/2020 my student loans were forgiven by US Department of Education letter received confirmation. Waited 60 days, reviewed my credit reports and I have since written to 3 credit reporting companies for removal of the student loan debt attaching the letter from UD Department of Education showing the debts were forgiven on 4 different occasions via US Mail, no response and the debt hasnt been removed.
Consumer complaint received 2018-03-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: IQOR US INC (AL)

Unable to reach /talk with a real human to loan rehab my default loans. 
Mailed 2 {$5.00} payments to XXXX XXXX  in XXXX, wi but no one will talk call me back to resolve the matter.
Consumer complaint received 2018-03-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CT)

I applied for a mortgage and they denied me. They said I needed a debt to income ratio of more than 43 % and they denied me. I have two tenants whose combined rent is more than enough to cover the entire mortgage. He did not look at my current income which includes their rent receipts. 

He did not know how to read a income tax return.
Consumer complaint received 2021-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (FL)

I have XXXX credit card accounts that were notified last XXXX that I could no longer work due to the pandemic. Payments were suspended. When I started working they settled with me, in most cases, for less than the full amount. Now they are reporting me as no/late payments for XXXX, XXXX, XXXX, XXXX and XXXX. This has killed my XXXX XXXX. I have disputed them twice and they refuse to correct the info.
Consumer complaint received 2021-03-03
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: LD Holdings Group, LLC (AL)

I sent a letter to XXXX stating that I had an errant account from Loan Depot dated XX/XX/2021 with a letter from Loan Depot saying my account was paid in full. XXXX is still reporting that I owe {$280000.00} from Loan Depot.
Consumer complaint received 2022-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CT)

In accordance with the fair credit reporting act. This list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 usc 1681 XXXX XXXX XXXX Account Number # #, has violated my rights.

15 u.s.c 1681 section 602 states I have a right to privacy.

15 u.s.c 1681 section 604 A section 2 its also says consumer reporting agencies can not furnish account without my written consent.
Consumer complaint received 2022-08-07
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. (NC)

XXXX XXXX continues to report to the XXXX credit bureaus inaccurate and deliberate false information regarding the initial default date. You will see the attachment documents that support this again after several disputes and ignored by all. 

The proof is here in the documents provided to you.
Consumer complaint received 2023-01-10
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)

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 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 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 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 2018-03-07
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)

EQUIFAX & XXXX IS REPORTING LATE PAYMENTS FOR AN ACCOUNT WITH XXXX XXXX XXXX FOR XXXX & XX/XX/2017. I HAVE NOT ONLY ATTACHED A STATEMENT FROM THE CREDITOR SHOWING THAT PAYMENTS WERE MADE. EQUIFAX & XXXX HAVE YET TO UPDATE MY CREDIT REPORT TO RETRACT THE LATE PAYMENTS. SEE ATTACHED.
Consumer complaint received 2018-11-16
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Statebridge Company (TN)

I have not been satisfied by the lack of customer service from Statebridge Company. My home sale in XXXX, Tennessee was closed onXX/XX/2018 and both myself and XXXX XXXX of XXXX, Tennessee, requested but never received a letter from Statebridge stating my mortgage loan was Paid in Full. In addition, after nearly three months Statebridge still has not updated my credit reports to reflect this loan had all payments in good standing ; balance paid in full ; and mortgage loan account is closed. This lack of action did not happen with my other mortgage company involved in this home sale.
Consumer complaint received 2018-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Checkr, Inc (NJ)

Has a XXXX on report as criminals for a XXXX XXXX and I WAS NEVER EVER CONVICTED. REPORT SAYS TO CONSIDER!!! I LOSS THE JOB!!!
Consumer complaint received 2022-08-07
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. (CA)

I XXXX XXXX have been trying to correct many errors as well as duplicate accounts on my report and it has been over 30 days with no response and also with no corrections so by federal law if they are unable to verify the information in 30 days or less then they must delete it. Also per federal law 15 usc 1681i ( a ) ( XXXX ) ( a ) they must delete the information being disputed while the investigation was ongoing and they failed to do so. As a federally protected consumer please help me in enforcing my rights to proper fair and accurate credit reporting. Thank you
Consumer complaint received 2021-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (DE)

I have been a proud Chase customer for 20+ years. I particularly enjoyed the credit card products because of the generous rewards and swift dispute resolution. In the last 2 months I had 2 transactions that I had to dispute. For the first one I was triple charged and was obvious on my statement. Chase had shut down the ability to file a dispute claim electronically. I used the Secure Mailbox and 3 weeks later I have no response or credit. The second transaction was a fraudulent charge. Again, in the past Chase will catch these before they hit my accounts. I locked my credit card immediately to prevent further charges. I tried to call what used to be a 24/7 line to report fraud and dispute the transaction to hear a message that said to call in business hours, no mention of what these hours are.
Consumer complaint received 2021-03-03
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. (FL)

I submitted a complaint to the cfpb this summer on this issue and you didn't get any resolution then either. I still have no access to my online Equifax account. Every time I call I'm told the EXACT same thing and I have mailed or faxed them the requested information 6 times now. I never receive a response unless I file a formal complaint which I have done for the XXXX time now. That doesn't resolve it either. I sent a certified letter this time that was received on XX/XX/XXXX with a copy of my ss card and drivers license. I was told I would receive an email or mailing confirming my updated information ( for the XXXX time ). I have received nothing and still have no access to my account.
Consumer complaint received 2021-03-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Colony Brands, Inc. (CA)

Yes hello, I have a bad debt charge off from XXXX XXXX Swiss Colony from back in XXXX they have continually tried to hurt my credit since then and have successfully. I filed a complaint withXX/XX/XXXX credit reporting a few days ago and they/XX/XX/XXXXXXXX intentionally put a charge off on my account again as of the XX/XX/XXXXof XX/XX/XXXX the next day from my complaint to hurt my credit again, and my credit report dropped 25 points because of the complaint. This is a outright intentional doing on their part to hurt my credit again and this is not fair and not right to hurt the consumer just because they try to get the credit report redacted or taken off of their credit. 
This is illegal and I am not about to stand down because of a simple debt charge off from this company, attempting to hurt me and my credits intentionally on purpose because of a simple complaint to get it taken off and redacted this is ridiculous and on purpose this should not be allowed to hurt the consumer over such a simple thing from years ago. This is ILLEGAL and irresponsible on their part to intentionally hurt me the consumer on purpose this is outrageous.
Consumer complaint received 2021-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NC)

Account was opened but not by me. Account was charged a little over {$8000.00}. I didnt make a single charge. I filed a police report and the company has never contacted or bothered me about any payments but it hurt my credit score.
Consumer complaint received 2023-03-06
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 — Problem with personal statement of dispute
Company: Mr. Cooper Group Inc. (NJ)

During the month of XX/XX/XXXX I contacted XXXX and explained I was having a financial hardship and I was looking for options to help me avoid missing a payment as well as damaging my credit history. I spoke with a representative, they reviewed my file and offered me the option of getting on a loan repayment plan in which they would apply my XX/XX/XXXX payment due to XXXX subsequent payment. They never verbally disclosed nor explicitly stated in their repayment letter which i have enclosed that would be hit with a 30 day late on my report. In fact, I have been charged late twice once in XX/XX/XXXX and again in XX/XX/XXXX. Additionally when I was enter into this plan my payment due date changed from a pay by date of the XXXX of the month to the end of the month.As you can see by my posted payments I have met these terms.Why are they allowed to offer me relief while still damaging my credit with late reporting s?????
Consumer complaint received 2021-03-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TN)

COMPANY I am complaining about : Loancare, a XXXX company which may or may NOT have been recently purchased by XXXX XXXX XXXX 

I requested to be taken OFF of forbearance and requested a deferment of the outstanding 10 payments at the beginning of XXXX. 

I have recently started a job and can now make regular payments. 
I also need to finance a car and need the loan to be off forbearance and show as CURRENT. This is the source of my HARDSSHIP due to their gross negligence. 
I am also considering filing a complaint with the consumer protection bureau. Their incompetent top management is causing financial hardship. 

As of XX/XX/XXXX, the loan changes had still not been processed. 
That is causing considerable financial hardship on me because it is delaying the opportunity to get a loan as interest rates go up. 

This company is totally incompetent and truly slow and unresponsive. The entire executive suite should be fired for not thinking ahead and getting more modern and up to date systems in investing in technology. Instead they buttered their bank accounts and slapped themselves on the back for doing such a good job. 
In the mean time, my new monthly statement STILL SHOWS that the loan is in forbearance and even if they get it done tomorrow, I will have to wait unitl I get a new statement at the end of XXXX to prove that the loan is current. 

That means that the total elapsed time from my request until resolution will have been over two months. Inacceptable.

I request that you reach out directly to Loancare 's management as well as to Management of the new owner, XXXX. 
Their inaction and inability to plan and staff up is no excuse for BAD LOAN SERVICING. 

Sincerely, XXXX
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (DC)

I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM 15 usc 1681c-XXXX Pursuant to the fair credit reporting act. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-10-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc. (NV)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.
Consumer complaint received 2018-07-29
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (PR)

on XX/XX/2018 I purchased a kitchen at the Home Depot in XXXX XXXX, Puerto Rico. They told me that in 60 days the kitchen will be ready to be mounted in my home. Is XX/XX/XXXX and I don't have anything. I went in XX/XX/XXXX and XX/XX/XXXX asking for the kitchen and they said : " it's on his way ''. In the begining of XX/XX/XXXX I went to ask again and they said that some cabinets were broken and were on the way to the store. At the end of XX/XX/XXXX I went and the cabinets weren't at the store.When I requested a refund for the kitchen they ask me for an opportunity to fix the problem. I requested that they have until the end of XX/XX/XXXX and they agreed and gave me a {$660.00} credit. 30 days later the cabinets were broken again and they don't want to refund me the money that I paid with the Home Depot Credit Card. I requested the refund because it's been 7 months and I don't have anything.
Consumer complaint received 2022-10-05
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: EQUIFAX, INC. (KY)

I see inquiries on my credit reports that are not accurate and these inquiries were unauthorized by me. According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified and unauthorized items MUST be removed. I have an inquire on my XXXX and Equifax Report from XXXX XXXX ( Bank ) on XX/XX/2021 that I need removed as required.
Consumer complaint received 2022-01-07
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Texas Guaranteed (OH)

I received a notification XX/XX/2022, that there was a change to my credit report. I learned that my score had dropped by XXXX - XXXX points because Trellis Company, who is now servicing my federal student loans double reported my loans to my credit report. Currently, my college loans are reported 39 times between Trellis Company and the original loan servicer, XXXX XXXX XXXX.
Consumer complaint received 2021-11-29
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)

My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.
Consumer complaint received 2021-01-26
Product: Debt collection — I do not know
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: SYNCHRONY FINANCIAL (AZ)

XXXX. Daily/weekly phone calls even late in the evening.

2. Degradation of character, due to how they spoke to and threatened me after I told them i was XXXX. 
3. False collection letters to seek a debt that does not, nor has it ever existed.

4. Unable to be contacted by phone unless they call you.

5. Shame on you. XXXX sees all.
Consumer complaint received 2018-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP (VA)

XXXX advertises a XXXX credit card that earns 2 % cash back on everyday purchases. There is also a sign-up bonus of " {$100.00} bonus cash back '' after {$500.00} expenditures within 90 days of account opening. Earnings are credited as points that equate to cash ( XXXX points = {$1.00} ). XXXX does not disclose that the points can only be used at full value if deposited into a XXXX brokerage account. The points are only worth half the value when used as a statement credit. The {$100.00} bonus is only worth {$50.00} as a statement credit, and the " 2 % cash back '' is really only 1 % unless deposited to a XXXX brokerage account. The fine print in the XXXX application refers to redeeming points into an " eligible XXXX account. '' I applied for the credit card over the phone and asked if the credit card was an " eligible '' account and if I could use the points as statement credits. The XXXX representative said I could use the points for a statement credit, but did not disclose that they would only be worth half their value. I only discovered this issue when I tried to use the points.
Consumer complaint received 2018-03-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL (MI)

I'm disputing a charge with portfolio recovery the previous owner of the dept was jcpenny the account closed XX/XX/XXXX. XXXX XXXX   purchased it in XX/XX/XXXX. The debt was not on my credit report because it was closed. XXXX  has never tried to contact me. but I went to but once in XX/XX/XXXX by mail saying they were garnishing my state taxes. when I went to the court it had paper work that they had sent me letters and hand delivered me paper work in the XX/XX/XXXXwhich I never received. I spoken with them recently because I had another balance which I paid off and one I'm paying on. I believe that they are prying on me for a debt that is long pass over due and reached the statue of limitation in Michigan after 6 years and they purchased it too late now they are trying to harass me for an out dated balance. I also made an agreement with jcpenny when they were the original creditors but when I spoke to them they stated they no longer can disscuss or have the records id have to contact XXXX XXXX. account number XXXX address XXXX XXXX XXXX mi XXXX. if you can assist me with this matter I would kindly appreciate it. thank you XXXX ) XXXX. {$800.00}