davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-26
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. (AK)

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

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 2022-08-06
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. (CA)

I have already tried to sort this out with Equifax. They have letters from me on XX/XX/2022 & XX/XX/2022. 

I have requested the removal of these hard inquiries as I did not initiate them, I did not verbally authorize them neither did I authorize this to happen in writing. These inquiries by these companies are fraudulent. 

I am asking once again, for the 3rd time for the removal of these inquiries. They are : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX This is 8 ( eight ) inquiries that MUST come off my credit report. I have backed this request up already with a police report which Equifax already has in their possession from a previous mailing. The other 2 bureaus.. XXXX and XXXX have already removed these inquiries. 

PLEASE REMOVE THESE INQUIRIES and send me an updated and CORRECT FULL copy of my credit report to my current address. 

Also, My name continues to be INCORRECT on my EQUIFAX report. On my Equifax Report dated XX/XX/2022 My name is showing as XXXX XXXX XXXX... THIS IS NOT MY NAME! My legal name is : XXXX XXXX, which they have all the copies of my social security card and driver 's license so there should not be ANY excuse to not have my personal information correctly updated in my file. 

Please CORRECT my name to : XXXX XXXX
Consumer complaint received 2020-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: M&T BANK CORPORATION (MA)

M & T Bank made a breach on my XXXX Credit Report profile page. When reviewing my XXXX Credit Report file XX/XX/XXXX, I was stunned to discover an unauthorized land line phone number was listed under my home and cell phone numbers. I disputed the unauthorized phone number on XXXX website & called XXXX on XX/XX/XXXX to confirm the disputed report and have the number removed from my profile page. The XXXX agent stated that M & T Bank added the unauthorized phone number one month after my husband and I took out a loan for a recreational vehicle, which would have been XX/XX/XXXX. I immediately contacted M & T Bank, the first Bank representative made a lame suggestion that the unauthorized phone number was likely a bank branch number, but the nearest branch is 129 miles from my home, and the area code is the same as mine. I hung up & called a 2nd time, requesting to speak to the Fraud department, in which the bank representative did find the unauthorized number on M & Ts file in my name. The number was removed. I wrote a letter to M & T Bank XX/XX/XXXX explaining the above and requesting HOW this could have happened. I checked the other credit reporting agencies & only XXXX had the unauthorized phone #. I check my credit reports annually, did not notice the phone number until XX/XX/XXXX. I am aware that M & T Banks ATM accounts were hacked and wonder if other systems within the bank were hacked?
Consumer complaint received 2021-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (NC)

I have sent numerous amounts of letters to this company to fix the problem but they refuse to do so and have ignored my request my only sending me a letter that was completely irrelevant to my request. I sent this company a letter requesting that they update the account being reported to my XXXX  credit report because it is reporting payments being made that have not been made after the account has been closed, how can you be reporting payments when the account is closed? You are keeping activity on the account by doing that, so I then disputed this account with XXXX  and they didnt change anything wither. Im lost as to what I should do now but currently the account is being reported inaccurately and should be removed from my credit report, that is my final request but they wont do that either
Consumer complaint received 2020-10-23
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. (TX)

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX  XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX # XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX
Consumer complaint received 2020-10-23
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. (NY)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2022-08-06
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 sent in my drivers license, drivers license records with proof of addresses, social security cards for me and my minor children, birth certificates, for a total of 17 times since XXXX and I never received the false information removed, or copies of my credit report via mail. I get a correspondence mail saying they need the information that I already provided. There are inquires for XXXX XXXX XXXX XXXX XXXX XXXX 7 times and I dont use it, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, EQUIFAX XXXX XXXX, EQUIFAX 8 times in one day, 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 SC XXXX, XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX using my name at XXXX XXXX XXXX XXXXXXXX SC XXXX I filed the police report they said all they can do is file thats it, XXXX XXXX XXXX XXXX sc XXXX XXXX XXXX XXXX sc XXXX, XXXX ADDRESSES, XXXX, XXXX, XXXX, XXXX, XXXX, - Phone Numbers, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX SHOWS I HAD AN ACCT WITH THEM YEARS AGO AND NEVER DID, XXXX XXXX XXXX REPORTED FALSE EVICTIONS CAUSING ME AND MY KIDS IN XXXX not to get housing false payment reports and using other peoples address in my file, XXXX XXXX FOR XXXX someone opened account using an address I wasnt living at but my drivers records shows someone changed my address via online over 9 times without my knowledge, XXXX XXXX  FOR A MEDICAL BILL NOT MINE, XXXX accused me of XXXX  XXXX  but the address on file was incorrect and sent to an. Address I was never afflicated with, wasnt able to purchase a car due to false auto information on the report, unable to get insurance due to false insurance information, unauthorized XXXX accounts opened with out knowledge with a XXXX bill not mine the address again is not where I was living at the time. There were insurance companies I was never afflicated with.
Consumer complaint received 2020-10-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

Someone listed my account on a website as a vendor. I was sent multiple payments from people outside of the USA. I forwarded the emails and reports to Paypal. I also declined the payments as I am not a vendor and do not sell items online. Paypal closed my account and kept my cash on hand, stating I can have it in 180 days. I have called reporting the fraud was not my doing on XX/XX/20 - the number I called was ( XXXX ) XXXX. I gave all the data including the fact that earlier that day I had forward the emails to the XXXX. I was told I would have a formal response in 72 hrs. I got nothing. I called again XX/XX/20 the automated system recognized my number and would not transfer my call it hung up on me. I then reached out via XXXX  on XX/XX/20 was advised the issue would be escalated. I today, XX/XX/20, got an internal email on the Paypal platform addressed to XXXX ( not my name ). Per user agreement the account is permanently limited. No explanation of what violation was made. I am the one who reported the fraud and now I have lost access to my account and funds. While I understand if I violate the agreement then my account can be limited how is it fair that I was the party that reported the fraud/scam and lost my account and have to wait for my funds.
Consumer complaint received 2020-10-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: TCF NATIONAL BANK (WA)

Hello, I am writing today because I'm experiencing great challenges in making my payments with TCF bank. I have made payments in the past through their website but then their parent company changed, they changed my account number and I can no longer log in online. I have tried to contact customer service on multiple occasions and have never gotten to the point where I could speak to a person after waiting on hold for over 30 minutes each time before giving up. 

I have made my payments through my Bank 's bill pay system, the first month my payment was received just fine, the second month, I received a statement saying that no payment has been made and now I can not get a hold of the company or check my online account to verify that my payments are being received although the money is leaving my checking account. 

I appreciate any assistance that you could provide with this matter. 

Thank you.
Consumer complaint received 2020-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2019-08-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USI Solutions Inc. (HI)

On XXXX XXXX  I received a notice from XXXX   XXXX saying they were collecting on a debt I owed. They mentioned a Usi Solutions and. XXXX   XXXX  XXXX  XXXX. It said that I owed $XXXX but would accept $XXXX if I paid now.I never had business with either of those companies. It is unnerving to get this kind of letter.
Consumer complaint received 2019-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (FL)

OnXX/XX/2017 I paid $XXXX toward my vehicle lease to Mazda Capital Services; however, they refuse to report this to the credit bureaus.  The amount of          $XXXX is still being reflected despite my numerous attempts to have this resolved.           I do receive a monthly statement from them indicating a negative balance.  Their refusal to correct this matter has put me in a higher debt to income ratio and it's preventing me from obtaining a home loan.
Consumer complaint received 2022-09-19
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Lendmark Financial Services (NC)

I have been paying on this loan which seems like forever for instants last month after paying XXXX and some dollars the balance was XXXX and within no time its back up to XXXX and saying I owe XXXX and some dollars when the loan is only a month behind so it should only be {$200.00} the current month due in the one behind Also when Ive tried to pay it off over a year ago, it will only allow you to pay {$200.00} at a time when you try to speak to the people in the office all they do is scream at you and tell you theyre going to repossess your car. I thought car title loans were illegal in North Carolina.
Consumer complaint received 2018-09-12
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC (CT)

WESTLAKE FINANCIAL HAS BEEN CONTACTING REGARDLESS OF ARRANGEMENTS SET UP. PHONE CALLS DAILY BETWEEN 5-10 TIMES. WOULD EVEN CONTACT FROM LOCAL NUMBERS AND UNKNOWN, NO VOICEMAILS LEFT.
Consumer complaint received 2020-05-13
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. (CA)

XXXX XXXX  has marked my XXXX 's account as " closed at issuers request, '' the phrase usually reserved when an issuer re-evaluated a consumers qualifications and downgrades or revokes credit line. In this case, XXXX simply went bankrupt. I should not be impacted negatively because of the issuers financial failures. I have attempted to have this negTive statement removed from my report via all dispute processes available to me. I have been unsuccessful. Please advise & assist. Thank you for existing. Banks f corporate interests are out of control.
Consumer complaint received 2019-08-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (WA)

1. Lowe's company offed to me store credit card  and i had $XXXX store credit.And they offered me to buy stuff and 6 months no interest.
2.Right after I purchased some stuff from Lowe's,Then I had financial difficult to pay same credit card 
3.I paid first month payment.I notice second month statement added interest.I went to store and ask why.They said My credit card need to pay interest.They ignored me and keep added interest.
4.They added unfair interest and monthly payment , I spoke with lowe's credit card company regarding my situation.
5.Finally they gave me offer interest fee $XXXX  flat monthly payment.But they denied to discard interest they already added.(I disagreed about those interest)
6.Right after i paid few months together in advance (ex; Once i go to lowes i paid $XXXX etc). And i call to credit card company i paid by phone some payments as well.
7.I ever never ever any statement from lowes credit card.
8. Last week when i check my credit score and it show i missed payment my credit card and by credit card balance still same as beginning amount.
9.They did not subtract when i made payment.
10.And they credit score showing i missed payment
11.I never missed payment , I already paid in advance few month together
12.I called them but they ignore me, Could you please help me fix this issue.
Consumer complaint received 2019-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

I tried to get my credit reports from XXXX  from all 3 credit bureaus, Equifax, XXXX  and XXXX. However, Equifax failed to deliver on the report online while the other 2 succeeded. I became worried owing to the not so favorable security track record from Equifax and called their customer service on several occasions. According to all of them, it is out of their hands and did no acknowledged there was a problem. When asked about if any other party in Equifax that I can speak to to resolve the obvious technical issue, they simply responded that there was no such entity.
Consumer complaint received 2020-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (VA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, XXXX, SYNCB/PAYPAL add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX  and XXXX. 
On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank (NJ)

I recently had received a late fee charge because this company only allows you to pay through bill pay through your bank so when it tried to take the money I didnt have it in there so I was charged double from my bank a late fee and return fee and on this credit card the same thing happened ( return fee and late fee ). Im on unemployment and been trying to make mends meet so I called to see if I can have the late fee removed and not let it be shown late. She said no and still charged me an outrageous {$29.00} and {$40.00} fee with no consideration or relief. The company already makes it hard to even pay your bill on time and have it programmed this way so you always fail. Once I pay back I hope I get my FULL REFUND of {$500.00} since it was a secure card and thats all my money to begin with. Otherwise Ill be back on here again.
Consumer complaint received 2020-12-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (GA)

XXXX XXXX XXXX took me to court for a debt that did not belong to me. On XX/XX/2019, a XXXX XXXX dismissed the case. However, XXXX XXXX XXXX is still reporting the debt to the credit bureaus saying that I owe it and it is still in collection. I disputed the entry and XXXX refuses to remove it saying that the account is still open and that I owe the debt.
Consumer complaint received 2019-08-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch (CA)

Honestly I think this a problem caused by both the credit reporting bureaus and BSI Financial Services  the mortgage company reporting to them I have tried to fix the problem with all of 3 credit bureaus and the mortgage company. I am literally in the middle of a new home purchase, In doing so I got credit reports in preparation to apply for financing. I found BSI Financial Services mistakenly reported my mortgage, which they serviced from XX/XX/XXXX to roughly XX/XX/XXXX as delinquent XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. I reached out to BSI Financial XX/XX/XXXX with more than 15 pages of documentation.. SEE BSI FINANCIAL LETTER DATED XX/XX/XXXX , attached here, confirming they MISTAKENLY reported my loan delinquent in error for XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and would be correcting with credit bureaus "this month" (implying XX/XX/XXXX) I contacted credit reporting bureaus immediately - XXXX XXXX XXXX I was told that even though I had a letter from BSI that no correction or update on this could be made unless and until received DIRECTLY from BSI Financial. I wen back to BSI Financial many many times, by phone, fax and email. I learned eventually BSI submits to the credit bureau. Eventually I was told BSI had submitted tot he credit reporting bureaus XX/XX/XXXX, then changed to XX/XX/XXXX. I have contacted credit reporting agencies almost daily all say they have not received anything from BSI and BSI keeps insisting they have submitted the correction and that "there is nothing more we can do." In turn the credit reporting bureaus keep sending back to BSI saying they have no record of the correction and removal of these mistaken delinquencies. In desperation I finally submitted the BSI letter directly to the credit bureaus. Then was told If they hear nothing from BSI in 30 days matter will be resolved in my favor. By then I will have lost my attempt to apply for financing and my real estate purchase. Decisions on whether to approve a consumer for a loan application and at what interest rate and for what term all hinge on credit reports which for me currently reflect, in error, a major mortgage delinquency with BSI Financial
Consumer complaint received 2018-02-27
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: SYNCHRONY FINANCIAL (GA)

I am tired of being threatened by these dishonest, and deceitful collection companies. They keep calling me and sending mail stating they have sold my accounts. I do not have an account with these companies. Please help! They have the wrong XXXX. XXXX XXXX. Please help me. I am a Veteran, and XXXX XXXX XXXX XXXX. They have caused me to be disqualified with my V. A. Loan that I rightly deserve, please help.
Consumer complaint received 2021-03-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A. (NY)

Was not notified of any court action against me. Then threatened with contempt if I didnt reply to order when received notification after six days of statement received. Leaving me two days to have response received by creditor. Would request that court fees and their fees be dropped due to illegal actions.