davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (VA)

I made student loan payments in XX/XX/2022, and I requested a refund of those payments on XX/XX/2022. I received a response on XX/XX/XXXX saying the request would be submitted for processing and to allow XXXX days. I have followed up a couple times. I followed up on XX/XX/XXXX and did not receive a response until XX/XX/XXXX, and I was told to allow additional time beyond what was quoted. I received another correspondence on XX/XX/XXXX, and the representative confirmed my request was not submitted until XX/XX/XXXX ( the day I received my first follow up response, so apparently nothing was submitted until I followed up ) and was still processing. At this point I am still waiting. This is unacceptable when other servicers are issuing refunds within days or weeks.
Consumer complaint received 2022-07-29
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. (NC)

XXXX XXXX XXXX shows up on credit report. This account is not mine. Here is the information listed : XXXX XXXX XXXX XXXX XXXX Account # XXXX, opened XX/XX/2015
Consumer complaint received 2022-07-02
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. (SC)

In accordance with the Fair Credit Reporting Act XXXX  Account # 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 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. (CA)

In accordance with the Fair Credit Reporting act child support Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # 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 2022-12-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

I recently discovered that my credit score dropped by over 100 points. I go a credit report and it says there was collection pending from ProCollect INC for XXXX for XXXX XXXX XXXX XXXX XXXX. I have never lived there before and have never received any calls or letters from XXXX, so I called the agency and they admitted it was their mistake. My name is XXXX XXXX, the person they were looking for name was XXXX XXXX, so they said they would remove it immediately. Which is good, but I have no idea how to confirm this has been done. Also, my lower credit score is affecting my interest rates on my new loans, so can you please help me get my credit score back to XXXX like it was in the previous months.
Consumer complaint received 2022-09-22
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Neon Newco Corporation (GA)

I, XXXX XXXX, went to pay my program fees and when the XXXX ran my card it was declined due to being 'locked ' by Skylight XXXX XXXX ) I therefore contacted the company to find out that more money is missing from my card. They then reinstated me a new one. Money is missing from the account. I need help resolving this issue.
Consumer complaint received 2022-08-22
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. (IL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX {$10000.00}, {$10000.00}, {$20000.00}, {$5600.00} 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-09-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Loan Center, Inc. (PA)

XXXX, this is XXXX XXXX from XXXX XXXX I can be reached at this number for text messages. You may reply " stop '' at any time. ~ XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX  XXXX Read My Reviews XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IN XXXXXXXX XXXX XXXX XXXX XXXX  This person from Lending Tree took all my paperwork and than never contacted me again about my mortgage. Its like a scam.
Consumer complaint received 2022-06-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION (SC)

I completed school on XX/XX/2022. Shortly after, my Sallie Mae account said I had a grace period of 3.5 years to pay back my loans. I was never goven a reason of why it said this, or any sort of explanation. I tried contacting Sallie Mae through their website chat feature as well as directly calling them. Both options said the line is busy and they can't help me. There was no way for me to contact them, and they were offering false information on an account which is illegal. I submitted a complaint to the CFPB, to which they responded giving no explanation or resolution for the matter. The problem was not even changed until months later, when my account was corrected saying the actual 6 month grace period. Now, when I open my account, the grace period has been changed again, and it now says I have until XXXX until my repayments start. Again, I tried to contact Sallie Mae using both of the methods they provide, and yet I was stuck with the same issue as last time. I am unable to contact this company, and they continue to illegally provide misinformation on my financial account. This is a huge issue and not something that can keep happening. The first time it was a mistake, the second time its a problem. If no resolution is offered, I will be taking this matter to court.
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)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 2022-08-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (CA)

Today is XX/XX/2022 and I have received a notice from Jefferson Capital stating that I am being pursued for a debt of {$430.00}. The letter is dated for XX/XX/2022 and states that XX/XX/2022 was my last day to dispute the matter. 
I unfortunately was not able to check my mail from the dates of XXXX XXXX- XXXX XXXX due to me being out of town because of the death of my Grandmother. I was completely unaware of this matter. 
I can not even recall receiving any calls or voicemails from anyone about this debt collection.
Consumer complaint received 2022-09-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (WA)

In response to a splash invitation when I was online with citi.com, on XX/XX/22, I opened a Citi XXXX XXXX. However, because of an erroneous fraud suspicion on their part, Citi closed my account after a few days, and froze over {$90000.00} that I had on deposit, and sent me a lame letter ( dated XX/XX/22 ) with very little information about why this action was taken and when I would get my money back. When I tried calling Citi customer service lines ( including the number listed on the letter ), I was given patronizing evasive answers with only the information that a check would be sent to me within 30 to 60 days. I was rudely treated by the Citi phone representatives, with one of them even hanging up on me during an otherwise civil exchange. 

Because there was an opening bonus incentive ( {$450.00}, if memory serves me ), I immediately started making XXXX deposits after opening my account, and had over {$100000.00} on deposit within just over a week of my opening the account. I then authorized some XXXX withdrawals, one of {$10000.00} on XXXX XXXX, and another of {$10000.00} a few days later. Because of that second ACH withdrawal, a fraud alert was triggered, and I was telephoned by Citi to confirm that the XXXX transactions were legitimate, which I did confirm with the fraud representative. Nevertheless, my account was frozen and eventually closed ; when I attempted online access, I just encountered a nondescript trouble signing on message that led me to contact Citi agents for help, but initially, the agents didn't even understand the status of my account and what I could do to fix it. 

I don't understand why my account was closed even after I confirmed the legitimacy of my ACH transactions. I don't understand why I was not immediately sent at least an email explaining that the fraud investigation was continuing, and what steps I should take to resolve the fraud suspicion. I don't understand why I was not personally contacted by a Citi representative for instructions on how I wanted my money refunded. I don't understand why I was rudely treated when I attempted several times to talk with a Citi agent to get resolution. I don't understand why the letter sent me had so little information, including incorrect number instructions for reaching the appropriate department. I don't understand why, as of today ( XX/XX/22 ), I still have not received my refund check, nor has Citi given me a clear idea of when that will happen. 

I have phoned Citibank five times about this, repeatedly asking for elevation of my issue. Today, I finally reached a supervisor ( XXXX, # XXXX ), but he just told me that he has no way to contact the Citi department that has jurisdiction on this matter, and he refused my request to elevate the matter to a competent authority.
Consumer complaint received 2022-04-25
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. (ND)

In acordance with the fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXXXXXX 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 Staes I have the right to privacy. 
15U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish an account without my written instrctions
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. (TN)

I asked them to verify the debt on account. They verified said debt and upon further investigation on my own behalf I found that there were still some inaccuracies, therefore a thorough investigation could not have been done. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish an account without written instructions.
Consumer complaint received 2022-07-02
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX accounts below have violated my rights. 

XXXX Bank - XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681, Section 602 A. states I have the right to privacy.

15.U.S.C. 1681. Section 604 A states a consumer reporting agency can not furnisha account without my written Instructions.

15. U.S.C.1692 C states without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2022-09-22
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

I am the duly and legally appointed Executor and Personal Representative of my late father 's estate. He died in XXXX and even prior to his passing, his surviving spouse ( not my mother ) and her children stole all loan documents and evidence belonging to him, even if the spouse had an equal right. As a result, after his passing, I served a subpoena on the lender ( or servicer, not sure who they are ) to get all loan documents from inception of the loan in XXXX to the present. 

The Lender ( or servicer ), " Nationstar Mortgage dba Champion Mortgage '', failed and refused to ever turn over any loan balance, statements, etc., whatsoever, even after I contacted HUD about them. Their arrogance is beyond belief. To this day, they fail and refuse to do so, hired lawyers to block my father 's probate administration in collusion with a lawyer working for the surviving spouse, and as Executor and thus legal owner of the property I still do not know the true owner or the alleged amount of indebtedness on the property. It is located in XXXX XXXX and the estimated current worth of the property is $ XXXX. This is causing serious harm and damage to the estate, because this loan should have been accelerated, by its own terms, when my father died and the property should have been sold. This lender ( or servicer ) breached its own contract and has allowed the surviving spouse to remain there, continuing to run up reverse mortgage fees for over six years, without ever providing us with any loan information whatsoever. As Executor, I filed a partition action in XXXX and they fought me in court, all to keep running up costs on the property and harm the Estate.
Consumer complaint received 2022-12-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (NH)

we have insurance payment funds and Rocket mortgage will not release the correct amount of funds to me they are keeping over {$51000.00} over the unpaid principal balance even thru federal llaw which states XXXX XXXX of the insurance loss proceeds ; or the amount by which the release funds exceed the sum of the XXXX
Consumer complaint received 2022-08-22
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: Nelnet, Inc. (IL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX {$10000.00}, {$10000.00}, {$20000.00}, {$5600.00} 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-02
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. (PA)

In accordance with the Fair Credit Reporting act Us Department of Education 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 2022-09-22
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. (AL)

CFPB Write up In accordance with the Fair Credit Reporting XXXX  XXXX XXXX account # 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 2022-09-22
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. (IN)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX  XXXX. ) XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX ) XXXX, CREDIT XXXX BANK XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 have 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 2022-08-28
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. (PA)

In accordance with the fair credit reporting act. The list below has Below has violated my Federal Protected consumer rights To privacy and confidentiality under 15 USC 1681 rights.

Account number 226581 has no accurate information no name no accurate phone number
Consumer complaint received 2022-09-22
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)

In a previous complaint I disputed my credit card reporting from my bank XXXX XXXX XXXX XXXX. My complaint was that they are still collecting monthly payments and reportING monthly like the account is open. I screen shot the credit beaurus response stating that my bank says that account is open. I screen shot the actual facts from the credit beauru that the account is CLOSED. I'm asking the credit bearus to use their common sense and not accept that the account is open if it's reflected on my credit that it's closed. I want this to stop being reported monthly and asking for monthly payments when my evidence shows this account is closed.
Consumer complaint received 2022-06-08
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. (CA)

EQUIFAX continues to report the attached XXXX XXXX account without a date of last activity. 
Remove account, after verification, the XXXX  is still not reported. That is a violation.
Consumer complaint received 2022-12-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (OR)

AFNI , Inc : trying to collect debts from someone who opened an XXXX XXXX XXXX acct. This account was not opened by me. Reported and disputed as fraud. Unsure the amount charged.
Consumer complaint received 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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. 

XXXXDEPT OF ED Account # XXXX, has violated my rights. 
XXXXDEPT OF ED Account # XXXX, has violated my rights. 
XXXXDEPT OF ED Account # XXXX, has violated my rights. 
XXXXDEPT OF ED Account # XXXX, has violated my rights. 
XXXX/DEPT OF ED Account # XXXX, has violated my rights. 
XXXXDEPT OF ED Account # XXXX, has violated my rights. 
XXXX/DEPT OF ED Account # XXXX, has violated my rights. 
XXXXDEPT OF ED Account # XXXX, has violated my rights. 
XXXXDEPT OF ED Account # XXXX, has violated my rights. 
XXXX/DEPT OF ED Account # XXXX, has violated my rights. 
XXXXDEPT OF ED Account # XXXX, has violated my rights. 
XXXX/DEPT OF ED Account # 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 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.

These accounts are inaccurate in their reporting. I have brought these inaccuracies to the attention of the credit bureau mentioned. There are multiple errors throughout my credit report from all three credit bureaus and it is my right to have these accounts reported accurately under the fair credit reporting laws. As a resolution I want these accounts UPDATED : Paid as agreed on time, I was never late back in XXXX this is inaccurate. Please update to 100 % on time on my credit report immediately. 

Consumer financial protection bureau po box 27170 Washington DC 200038