davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-13
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. (MA)

For years -- yes, for years -- I have been unable to get a credit report from Equifax. 

Whenever I go through the process of verifying my identity, the recorded voice tells me that they could not verify me. But I'm quite confident that I answer the questions used to verify my identity correctly, since I refer to a different credit report to confirm dates and accounts before answering the questions. I went through this twice today, XX/XX/2022. 

When I couldn't get my identity verified through their automated system, I wasted a couple of hours trying to get my an agent to provide my credit report and unfreeze my credit. I waited on the phone for well over an hour before finally giving up. Equifax 's phone queue doesn't provide an estimated wait time or the chance to request a callback. How long am I supposed to wait? 

I tried using their " myEquifax '' portal but could not log in and they would not let me reset my password. I could not create a new account because they told me I already had one. So using the telephone is my only option outside of the lengthy process of collecting a variety of personal information and sending it for verification. 

This is ridiculous. The other credit bureaus have no problem confirming my identity. What's wrong with Equifax?
Consumer complaint received 2022-08-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (CA)

I am new to selling a home and buying a new home. The mortgage lender did not disclose the need to supply an additional large amount of money to close my loan. I often reached out to ask why each XXXX disclosure seemed wrong. I was continually assured the cost to close would be as discussed when all the numbers were entered from the underwriter. The company has tried to say I knew all along. I have never received ( after repeated emails, phone calls, etc ) offering an explanation. I have only been told they are sorry but I am short $ XXXX to close. The company continues to try to bury their errors by increasing my loan amount and still requiring an additional $ XXXX to close. No accounting has been offered to me.
Consumer complaint received 2021-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BARCLAYS BANK DELAWARE (NY)

Hello. I was wrongfully charged on XX/XX/2021 from XXXX company for {$1500.00} and I filed a dispute as soon as I could right After and Barclays Card ( JetBlue mastercard ) has been a nightmare to work with. Theyre continuously closing/opening the case without even my knowledge and theyre lying. They tell me something different every time I call them.
Consumer complaint received 2021-12-08
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, XXXX  XXXX  inform you that there is no third party involved in the process. I have been patiently waiting on their response XXXX  the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law XXXX  continued reporting as unverified information which now, given all my attempts XXXX  address it directly with the creditor, as willful negligence XXXX  non-compliance with federal statutes. Below are the list of the erroneous accounts reporting on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-27
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: CITIBANK, N.A. (TX)

I am a victim of identity theft. Upon review of my credit report I discovered inquiries that were not authorized or initiated by me. The inquiry that is fraudulent is : CITIBANK NA., BEST B on XX/XX/2021.
Consumer complaint received 2021-12-08
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: WELLS FARGO & COMPANY (CA)

I noticed false reporting XXXX  inquiries I have not inquired about, on my credit report. I have mailed a request XXXX  XXXX XXXX  WFDS XXXX  have the inquiry removed from my XXXX account. Have not received a response. I am requesting these inquiries be removed. Reported on XX/XX/2021, XX/XX/2021
Consumer complaint received 2022-10-17
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. (NJ)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are wilful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " UPDATE/REPAIR '' THE FOLLOWING ACCOUNT. 

Please update this account, or inaccurate information, from my file immediately & send me the results to the address listed XXXX  XXXX Date Opened : XX/XX/2020 Balance : {$360000.00} - I was never late... the bank made an error with my address and sent the statement to the wrong address. They said they would remove the negativity. Please remove negativity... please check account is not untimely, unverifiable, incomplete or inaccurate.
Consumer complaint received 2021-12-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: InvestiNet LLC (GA)

I have tried multiple times to communicate with the said collection company. I have never had any doings with this company neither do they have any written contracts to verify this debt. I have also paid this debt in the sums of XXXX with hopes of having it removed from my credit report because I am in the process of purchasing a new home they have yet to remove the debt and its hindering me from obtaining other credits. Please have this company remove this inaccurate information immediately.
Consumer complaint received 2021-12-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (VA)

XXXX was servicing the Loan and did not respond to my claims that the loan should be discharged. 
The school misled me in getting the loan and there was a school admissions scandal that I ended in the prosecution of admin members. XXXX XXXX informed me the loan must be moved out of delinquent status to submit dispute. 
I then submitted the borrows defense form- XXXX then transfers the loan to department of education and left the negative reports on my credit. - they kept referring me back to my school or department of education. 

- I requested all statements of payments from XXXXXXXX XXXX to prove the account should be removed from my credit report. I was told twice i would receive the documents and never did. 
XXXX XXXX transfered the loan and there for should not report it on my credit report as the same debt was being reported by XXXX separate collectors. XXXX and Department of education.
Consumer complaint received 2021-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (VA)

I had a personal checking account with " PNC bank NA '' ( web site http XXXX XXXX  ) for 14 years. It has always been in good standing. On XX/XX/XXXX I noticed suddenly I was not able XXXX  access my account on line. ( It has always been working for me without issue ). I immediately went XXXX  the local branch XXXX  find out what was going on. The representative at the branch was helpful but she does not know what's going on either other that the current status of the account is " closed ''. Later she found out from the note a cashier check is being mailed XXXX  me. I was in shock. 

How come in a sudden my account is closed?! It was in good standing with a balance! 

I called the back office with the reference number she gave me XXXX  the back office rep. told me my account was closed XXXX  " PNC does not want XXXX  share the reason with me " XXXX  that was final. 

On top of the huge disruption XXXX  my business, I also feel being violented. My human right is violented by the PNC bank. 

I am looking for my human right protection from CFPB. XXXX  proper compensation for my loss from the PNC bank.
Consumer complaint received 2021-12-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Catch Financial Inc (GA)

On XX/XX/XXXX I attempted to log into my account and re-link a bank with the company Catch Financial. I reached out to them to reconnect my bank and afterward it worked. 

Soon I attempted a withdrawal request and the bank is denying me the ability to withdraw funds from my account. I have reached out to them on XX/XX/XXXX and XXXX about this issue but they keep saying they are waiting to hear back from their partners, most likely the bank they contract with XXXX. 

They are not in any rush or seem concerned about me obtaining my funds.
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: National Credit Adjusters, LLC (GA)

Paid this off in XXXX of 2021 after the representative confirmed it would be deleted from my account. Months later it was still there. Ive disputed the account multiple times and contacted the collection agency. I begged them to listen to the recording of the original call, they laughed at me and hung up in my face. Please help
Consumer complaint received 2021-12-07
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. (NC)

XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXXXX/XX/2021 XXXX XXXX  XX/XX/2021 XXXXT XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 These are all the company names and dispute dates. I called the companies that are reporting these inquiries and nothing has been done. They are still on my account and I also dont have anything connecting myself to these inquiries. 

Its reporting on all 3 of the credit bureaus
Consumer complaint received 2021-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

Hi I was open Chase bank account and transfer direct deposit my paychecks from XXXX XXXX  XXXX to Chase bank after XXXX deposits of my paycheck Chase bank suddenly closed my account Im not was informed about that Im try to open my app Chase bank but my account was closed and I dont have access to my money please help me Chase Bank holding my money XXXX $ please help thank you
Consumer complaint received 2022-04-22
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: ProCollect, Inc. (LA)

In accordance with the fair credit reporting act, These Companies below have violated my Federally Protected Consumer rights to privacy and my rights to confidentiality, under the 15USC and 1681and1681sec 602 and 604. 15usc 1681 sec 602 A States, I have the right to privacy. 15usc 1681 sec 604A sec 2 also states a consumer reporting agency, can not furnish accounts without my written Instructions. 15usc 1681c sec A ( 5 ) no consumer reporting agency may make any consumer reports containing any of the following items of information or any information, other than records of convictions of crime with Antedates. The report more than 7 years.15usc 1681. If a person knows or have congressional reasonable cause to believe that the information is inaccurate. 
1.XXXX XXXX XXXX & XXXX 2XXXX, XXXX & XXXX ( XXXX XXXX NO ACCOUNT NUMBER 3.XXXX XXXXXXXX XXXX
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

on XX/XX/22 I filed a complaint with XXXX about a account XXXX XXXXXXXX XXXX XXXX # XXXX you're continuously reporting inaccurate information violating my rights.. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?. the phone number is disconnected and the address is incorrect. delete this account its not mine.. 

XXXX Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;
Consumer complaint received 2022-10-17
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. (IL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against the credit bureaus if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 


XXXX XXXX XXXX XXXX XXXX : {$13000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$210.00} ; XXXX XXXX XXXXXXXX Balance : {$390.00}
Consumer complaint received 2022-04-22
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. (TX)

Unknown medical bill showing reporting on Equifax acct XXXX in the amount of {$100.00} has been disputed already and bureaus have not complied to prove account or inform of original furnisher without validation not sure how to know : 1. If it's my debt and 2. how to pay it.
Consumer complaint received 2019-07-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IL)

In XX/XX/2019, Navient switched my loan repayment from paper billing ( receiving a paper bill in the mail every month ) to some type of online billing for 2 loans. Prior to this switch, I made all of my loan payments on time. Two loans were not switched to online billing and I have continued to receive paper statements and make those payments on time. I did not initiate the change in billing. 

After being contacted numerous times by telephone regarding late payments, I investigated and contacted them at one of their toll-free numbers. I was informed that the online notices were going to two email addresses that were no longer valid -- one was several years old and one was a couple of years old. 

I requested that I begin receiving the paper statements again, immediately. I was told on three occasions -- once in XX/XX/2019 and twice in XX/XX/2019 -- that I would be switched immediately. I also received a weird form letter from Navient after the first call that indicated I had never been switched off paper billing. They continue to call and harass me daily for payments, but have never switched me back to paper billing.
Consumer complaint received 2022-09-30
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)

To : Consumer Financial Protection Bureau, Equifax is continuously noncompliance of the Federal Law, and keep violating my rights as consumer of this Federal Corporation. As the XXXX XXXX XXXX please I request you to stop them with their misinterpretation of my consumer report. Thank you
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma (PA)

I signed up with XXXX XXXX years ago. I have been a victim of false advertisement on numerous occasions. I was told I had a pre approval based on my credit ; just to get denied for credit cards or a loan.
Consumer complaint received 2022-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act Department of Education Account # XXXX, XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX Bank Account # XXXX, XXXX XXXXXXXX XXXX Card Account # XXXX and # XXXX, XXXX Bank 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 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I did contact Equifax to move all my ITIN credit history to my new SSN. They told me I should send a letter asking for this with a copy of my important documents, I did it on XXXX, they told me to wait XXXX business days, so today XX/XX/2021 I did call to check if my information has been updated. Their answer was that they don't know exactly what happened to my documents, that they have a machine that read and process whatever is received via fax, and that in the majority of cases, the machine just can't read the ugly fax documents and just like that, in silence, the documents are now lost. They told me there's no way for them to know what happen to the documents and there's also no way to post a complaint, as they are the only ones available to take customers, they were not able to raise a complaint also, so basically it's a dead-end... please help. 

They told me to send the documents by fax, again, and again... and I did ask, why? to be rejected again? but the guys there are like recorders, they just say this time after time.
Consumer complaint received 2021-12-07
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. (NH)

On XX/XX/2021, I mailed XXXX copies of certified mail to each of the credit bureaus. As I type this, the date is XX/XX/2021. None of the bureaus have reached back out to me. These inaccurate items on my credit report have harmed my ability to obtain credit. I am in the process of building a business that requires data only internet lines, and XXXX has charged me fees due to these inaccurate marks. I was also denied housing, and have had my credit lines closed or decreased with various companies. I have been denied a pre-approval for a vehicle, and have I used to have great credit until XXXX XXXX XXXX XXXX XXXX XXXX XXXX put these inaccurate, negative marks on my account. Also, these companies are reporting inaccurate late payments to XXXX XXXX. In the case of Equifax, they have my name wrong on one account, and are double reporting 2 late payments twice, so any lender who pulls from Equifax will see 4 late payments to XXXX XXXX, and I was never late, because XXXX XXXX allows for a 15 day grace period before assessing any late fees. 

In the case of XXXX 'XXXX XXXX, they have sent confusing and inaccurate data regarding the amount owed. Please see attached that shows what all 3 credit bureaus are reporting, and what XXXX XXXX XXXX sent me. If I were to pay the {$340.00} in the letter that they claimed that I owe, I would have overpaid what I owed, resulting in financial injury. If I paid the amount that the bureaus claim that I owe, I would have paid less than what XXXX  's claims that I owe. In any event, creditors and the bureaus are not allowed to report inaccurate information, and therefore, the XXXXXXXX XXXX XXXX chargeoff must be removed according to the Fair Credit Reporting Act ( FCRA ). 

In the case of XXXX XXXX XXXX, the bureaus are reporting that I allegedly owe {$6900.00} to XXXX XXXX XXXX. However, according to XXXX & XXXX, they claim that I owe {$6800.00}. As I said previously, creditors and the bureaus are not allowed to report inaccurate information, and therefore, the XXXX & XXXX chargeoff must be removed according to the Fair Credit Reporting Act ( FCRA ). 

Equifax, XXXX and XXXX are reporting information that is inaccurate, and must be removed.