davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-27
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: EQUIFAX, INC. (FL)

I have discovered someone is misrepresenting their selves as myself and has used my deceased veteran fathers VA home loan and pension to live the lifestyle they stole from me, that my father saved for me to not have any worries, since he and I were kept apart for reasons I have gotten different mixed messages. But my mother told me that my younger sister got approved for her VA home loan thru her deceased fathers military history and my sister failed to do the leg work, now all of a sudden she has a home thru the VA and my mother claims her XXXX pays for my XXXX year old baby sister has a {$180000.00} tuition at XXXX in XXXX Florida, that supposedly our mothers XXXX pays for. No I have discovered recently through the 3 credit reporting agencies that I am a victim of true name fraud. I confront my mother and sister, my sister says she would testify and my mother claims she collects XXXX monthly which is what I am suppose to be receiving myself thru SSA per the manager on recorded line and my sons father. My mother has been collecting a XXXX deposit into my minor sons name at XXXX XXXX since XX/XX/XXXX the month after me and the father returned full custody and rights to myself, so my mother should never have opened an account with XXXX XXXX for my minor son, on top of all that the only settlement I would of got from my sons father in XXXX for support in the amount of XXXX was allegedly already collected by myself which never happened. There is multiple illegal activities under financial misconduct on all three people mentioned above. Once our stimulus checks were labeled XXXX I knew immediately some kind of XXXX scheme against me, as I am the oldest with a different father who was in the XXXX XXXX XXXX, and I have a mortgage in my name I am now aware of yet not until the letters from the credit reporting agencies started to come in the mail, offering free credit reporting, yet I can't get past the entry questions they claim that the info I provided does not match the credit file they have on me. So I as me knowing sure as XXXX what I have and haven't done should not have been blocked. My renters history for all the apartments I have rented with perfect rental history is in my sisters name or my sons fathers name. I paid my own rent and these people family or not are involved in federal level misconduct. I want to prosecute, being me and the son he demanded I never tell was his, has had to struggle as others live our lifestyle one we deserve. I have auto loans and student loans in my name I have never used. applications for credit cards, I never trusted to have one all the way to the age of XXXX and I applied to one I actually got my first time trying, yet the credit file indicates I have tried 11 times. So for a minor to get a deposit from the TREASURY DEPARTMENT with the same code as all the recent stimulus checks, there is a story to be told, yet with all the in between answers my instincts can not research or prove. PLEASE HELP US
Consumer complaint received 2022-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX- Amount : XXXX According to 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 states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-09-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their compnay has on file that was used to verify the accounts I disputed. I requested specific documentation to prove their method of verification, that has yet to be received. Being that they have gone past the 30 day mark and can not correctly verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.
Consumer complaint received 2022-08-28
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. (SC)

I did not consent nor initiate multiple hard inquiries listed on my credit report. The attached identity theft report includes names of companies that I did not consent inquiries for. Hard Inquiries identified as identity theft to include but not limit to the following : XXXX, XXXX ( Bank ), XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ), XXXX ( Bank ), XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2019-01-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (AL)

Friday, XX/XX/2019 attempt to purchase 2 XXXX XXXX tickets from an XXXX XXXX XXXX on XXXX. Paid him {$200.00} via paypal through friends/family transaction. Paypal does not pursue claims unless it is through a business transaction. XXXX XXXX XXXX XXXX XXXX XXXX told me it is unable to recant or place hold on funds since it is through a personal/friends/family transaction. XXXX XXXX XXXX will not refund the {$200.00}. Please see supporting documentation in attachments.
Consumer complaint received 2020-09-27
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 have been in contact with Equifax for the past 2 months about this same issue with this bankruptcy reporting on my report. I have pointed out many things wrong with this entry they have on my report. I sent in a request for this to be investigated in XXXX and in XXXX. Nothing has changed. When I look at the listing it states that the bankruptcy was last reported back in XX/XX/XXXX and it was verified back in XX/XX/XXXX. How can something be reported and verified on the same day if it were never investigated in the first place? Also I pointed out that i have been disputing this inaccurate erroneous account since XX/XX/XXXX. Why has this date not changed since XX/XX/XXXX? This tells me that my rights are being violated and no real investigation is taking place. This account is inaccurate information and it needs to be deleted from my file. I asked where this was reporting from and got 3 different answers. I requested the description of procedure and was told that they go through XXXX   XXXX. Another told me they go through the courts and someone told me it verified electronically, whatever that means. I called XXXX and spoke with a representative who told me that there was no bankruptcy on file, this was on XX/XX/XXXX. I wrote a letter to the courts and was told that they do not report or verify this information with any credit reporting agencies. All in all inhave been given misinformation from this company on many different occasions and I am not going to keep being deceived by a company who is not complying and abiding by the laws. This item needs to be deleted from my report immediately as it is inaccurate and unverified. The company has failed on multiple occasions to investigate and instead went in and changed the date after the fact pinpointed that it hasn't been investigated and the date verified shows XXXX. Something is definitely going on here and it's not good or isn't right!!! I've compared 3 reports and they all say completely different this. This is an automatic violation under the FCRA!!
Consumer complaint received 2022-08-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (TX)

I may be a victim of the XXXX XXXX XXXX and am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX, XXXX  XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. As proof of my identity, I will forward copies of my birth certificate, Social Security card and bank statements. 

If XXXX is unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-07-15
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: FISERV INC. (CA)

This is my second complaint about this issue. An economic payment card for the amount of {$1200.00} was issued to me by the IRS in the year of XXXX. The card was sent to my old address, I have updated my address with the IRS and U.S.P.S. What I need is for the second round of stimulus to be sent again for the amount of {$1200.00} to my new address. The company did try to send me a new card but they send the third round of stimulus which is not the one I need. They sent me a replacement card for the third stimulus check for the amount of XXXX that is NOT what I need replaced I had no issue with that round. I need round 2 replaced for the amount of {$1200.00}.
Consumer complaint received 2022-08-28
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (NY)

i was at Old Navy XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, NY ) around XXXX and the cashier mislead me and applied for a credit card. 

what happened : when i was paying for items i was buying the cashier ( XXXX ) asked me if i would like to get 20 % off in the next three weeks. i said yes. he showed me a flyer i saw the 20 % ( did not hand it to me or gave me enough time to read the flyer in its entirety ). he did not mention it was a credit card. he continued to tell me i can get the discount at Old Navy, XXXX and XXXX XXXX and i would need to enter my SSN. I did, and i was asked to enter again. asked for my ID, and i gave it to him. it took longer than i thought, i asked him is there a problem, he said no. i again asked him if i have to pay extra to get this 20 % off- he said no. however he said the process didnt work and i will receive a letter in the mail. cashier XXXX never mentioned he was applying for a credit card for me or running credit. 

i had no idea, i was mislead to apply for a credit card i never wanted, until i told my husband about this few mins after. we both went into the store immediately, spoke to a manager ( XXXX  ) about what happened. she said she cant reverse what happened and i would need to call Barclays. we explained to her this was wrong and XXXX is taking advantage of vulnerable/less knowledgeable customers just like me. she understood, told us she will investigate this incident. 

I moved to XXXX in XXXX and relatively new in the country. however i was advised by my husband to say no, whenever a store rep/cashier asks me if i wanted to apply for credit card ( because we have enough credit cards ) for example same day few hours earlier, i was at XXXX 's and the cashier asked me if i want to apply for a credit card to earn points and i said no. 

Old Navy employee never mentioned the word credit card or credit. i believe this is simply fraudulent and wonder if this is Old Navy 's usual practice. 

I called Barclays and managed to withdraw the application. i then contacted Old Navy several times to tell them to remove the credit inquiry they made without my consent. they said they dont have a relevant department for such complains and nothing i can do at this point. 

I would like to report this to CFPB and get the un authorized credit inquiry from credit reports
Consumer complaint received 2019-09-10
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: HW Holding, Inc (FL)

I have multiple complaints against this company. Hunter Warfield, I received calls daily from many different phone numbers after repeatedly asking them to stop harassing me. I have been threatened and cursed and hung up on. They are now charging me monthly interest on a debt which does not by contract allow, the amount being collected on is incorrect as well. This is in reference to a lease agreement, property which was infested with rodents and pests, windows and doors which were not able to be secured, 90 plus days with no air conditioning, holes in the ceiling, all in violation of the lease agreement and safety and of my health. I submitted all documents to them in proof. I do NOT owe the amount, they also sent me a settlement offer with a deadline which also is in violation of the fdcpa. I have called the property management and they no longer own the property and take no responsibility for the uninhabitable conditions.

Hunter Warfield is violating all of my rights
Consumer complaint received 2022-08-28
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. (MI)

Greetings, since 2020 I have not been able to log into my Equifax account I get the same message please call customer service once I call I get run around and to wait 48 hours in log in then Ive been told the issue was escalated and someone will contact me never received a contact by phone or email or mail the issue is still there they have walked me threw numerous steps and the issue is still there I cant log in to dispute items thats been on this report for 2 years I constantly have to call and ask them why cant I log in and they have me constantly repeating steps that do not work its becoming frustrating and Im not getting any assistance once I call never heard nothing from them until Im calling again about the same problem I have called them since 2020 at-least 50 times reporting this problem and receiving the same steps and answers. The issue is still there I have read on google other people are experiencing the same thing and the same outcome no help. I am not the only one who this is affecting. I hope after this complaint I am able to log in!!!
Consumer complaint received 2020-11-05
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (OK)

I completed XX/XX/XXXX school but due to unforeseen health issues was unable to obtain a XX/XX/XXXX. I have two private student loans. My income is not what it would be if I could XXXX XXXX  so the terms and payment plans available to me are not feasible. The student loan servicing company is AES. 

I have applied and been approved for a home mortgage but the terms of my student loans will not work for the underwriter because it makes my debt to income too high. AES only has three repayment options available to me but none of them are affordable. On three occasions they have given me a name of the lender and encouraged me to contact them to see if another option is available to me. They gave me the names XXXX  and XXXX as the name/s of my lender but will not provide me with any contact information. My search for XXXX  and XXXX leads me nowhere. 

I have no idea who my lender is or how to contact them to work out a more reasonable payment plan. Perhaps important to note is that my loans were for a XXXXXX/XX/XXXX school where we were guaranteed to do well on XX/XX/XXXX and get into XX/XX/XXXX I had three loans initially which have been shuffled around - one of which was sent to a collections agency but I was never given sufficient information as to why. I believe it defaulted but it was never explained to me why and options were not provided to prevent this from happening. I have been paying {$300.00} per month to the collections agency for several years now - but three or four months ago the {$300.00} stopped coming out of my account but I didn't notice until recently and the collections agency didn't reach out to me via phone until recently - no email, no regular mail. My phone blocks what it considers to be robocalls or spam calls so I have received only a few voicemails from them. 

So my complaint - I have no way of working out a more reasonable payment plan which is needed given my income as a non-practicingXX/XX/XXXX ; I have no information about who the actual lender is ; my mortgage is on hold and may lose the house if we can't close on time. We are first time home buyers - only trying to buy a house that is sufficient for our family - modest home. Also important to note is the terrible inconsistency in information given to me by AES as seen in the attached documents. My mortgage lender can not make any sense out of what has been provided and neither can I. 

In case you are wondering what health issues prevented me from getting into XX/XX/XXXX and being able to practice as aXX/XX/XXXX - a XX/XX/XXXX XXXX on my XXXX resulting in removal of the XXXX and XXXX. Severe XXXX that led to the discovery of the XXXX. A showering of XXXX XXXX in both of my XXXX. Both nearly killed me and both required an extensive period of time for recovery.
Consumer complaint received 2022-08-28
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. (NJ)

In accordance with the Fair Credit Reporting act 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.
Consumer complaint received 2021-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Social Finance, Inc. (TX)

I am unable to log in to my account or reset my password via the website. Customer service is unable to reset my password for me so that I may regain computer access to the account. Their customer service keeps telling me their contacting their engineering department with no avail. 

XX/XX/2021 SoFi Response : " I wanted to follow up with you in regards to your access to your profile. After reviewing your account our engineering department was able to see a login to your account today. If possible can you confirm if you were able to access your SoFi.com profile? We just want to make sure we provide the proper assistance to you with gaining access to your account. '' XX/XX/2021 : My response is the following : " I can access my account via the XXXX application. I can not access my account via the website because I don't remember my password nor can I reset my password because I never get the password reset emails. '' XX/XX/2021 SoFi Response : " My name is XXXX and I work closely with XXXX who is currently out of the office. I would like to thank you for providing this information to us. At this time I will advise our engineering team of these issues again. I will also contact XXXX to have her follow up when we have more information. Thank you again. '' XX/XX/2021 SoFi Response : " After looking into your account it seems we do not have an update at this time. I do apologize for the inconvenience this has caused you. Unfortunately, there is no ETA on when this will be resolved. I have contacted XXXX and engineering to see if we can have an update soon. Thank you for your patience. '' XX/XX/2021 SoFi Response : " I completely understand the frustration at this time. Unfortunately, there are no updates for this issue. I have contacted the engineering team and XXXX to follow up with you when there is an update. I do regret this information as a Manager would be advising the same information. '' XX/XX/2021 SoFi Response : " After further review, we are seeing that you're successfully logging into your SoFi account. Please make sure you are not attempting to log into your SoFi/XXXX account as that is different. You would need to contact XXXX regarding that issue. Please send me a full screenshot, including the URL bar to confirm this. '' XX/XX/2021 SoFi Response : " I have contacted our engineering team again regarding this information. I do apologize for the inconvenience, they just need more information. I have unlocked your account as I see the account is locked and have sent you a reset password link. Please let me know if you have not received that link. ''
Consumer complaint received 2022-08-28
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)

On XX/XX/2022 I sent a dispute letter to the 3 credit bureaus to do a proper investigation for the all the incorrect or incomplete information in my credit file..On XX/XX/2022 I received a return receipt USPS for Equifax XXXX On XX/XX/2022 I received a return receipt for XXXX and on XX/XX/XXXX a return receipt for XXXX. XXXX, XXXX and Equifax did not do a proper investigation according to FCRA and 15 US Code - 1681.I have uploaded my disputed items for inaccurate or incomplete information .This is in violation of my consumer rights.
Consumer complaint received 2022-09-22
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)

XXXX # XXXX XX/XX/2019 {$1000.00} XXXX XXXX XXXX XXXX XX/XX/2019 {$1800.00} THESE ACCOUNTS ARE REPORTING INCORRECT
Consumer complaint received 2019-01-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (FL)

I contacted Hunter Warfield and advised them that I am unaware why they are reporting on my credit file. I was advised that I am being charged for accelerated rent for XX/XX/2014. I advised them that I need them to send proof of why they are trying to collect wrongfully unauthorized charges. They sent me a copy of a lease that was completely falsified. I called them back and told them I never seen that lease and the dates of the lease are incorrect and the charges in the ledger are not accurate. I previously had a dispute with that creditor many years ago for wrongfully reporting made up charges which resulted in deletion off rental history. They advised that they will not remove the reporting unless it is verified inaccurate by leasing company. I asked what if they stand by their false charges and no one had anything to say. I pleaded with them to remove reporting until this is resolved as this is the only negative thing on my credit and it is hurting me drastically and unfair to have a reporting that is not true reporting on my credit. They refused to remove reporting. I think it this is very unfair. They have not verified the legality of this charges so why are they reporting a collection account on my account? I never even lived at that place during those dates. These charges are fraudulent.