davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-05
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)

Earlier this week, Equifax admitted to reporting erroneous credit scores. Equifax also has a class action lawsuit. On XX/XX/22, I have called Equifax NUMEROUS of times. On a phone call with one rep, I constantly requested to be transferred to a supervisor or manager. That rep left me on hold for almost 30 minutes. Equifax recently CONFESSED to reporting incorrect credit scores at the beginning of the year and also have a class action lawsuit against them. I called Equifax demanding they removed the inquires, XXXX XXXX XXXX and XXXX XXXX off my credit report. I have explained before where Equifax and XXXX XXXX  are violating my federal privacy right violating 15usc 1881a ( 3 ) and ( 4 ). I have never given XXXX XXXXXXXX XXXX permission to share my information or reported. ALSO Equifax is reporting erroneous information on my credit report. XXXX XXXX is reporting an account that is constantly being re-aged. That is definitely illegal.. 

I need this rectified IMMEDIATELY! REMOVE XXXX, XXXX XXXX AND ALL INQUIRIES file : XXXX : XXXX/Equifax 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 2019-02-27
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. (NJ)

Now for the issue. For the last 6 months I have been aggressively working on my credit score in order to purchase a new car in XX/XX/2019. My credit score was XXXX points from reaching XXXX. Then to my surprise I receive a notification that my credit score dropped XXXX points. So first pull my credit report to see what in the world could be the change because I dont have any added debt and Ive been paying all my bills on time. The issue why my credit score dropped XXXX points was because on XX/XX/2019 XXXX reported to all three agencies that my student loan balance increased by {$3100.00} and then XXXX on the same day reported that my student loan increased by {$2400.00} for a total of {$5600.00} in increase debt. So I call XXXX and speak to Customer Representative # XXXX to see what was going on because I am not back in school and I havent taken any additional loans and the representative lets me know that I dont have any new student loans and there isnt an increase of {$5600.00} on my student loans there is only an increase of about {$300.00} and she doesnt know why XXXX reported an additional {$5300.00} to the credit agencies. I have attached documentation reflecting the only change in my credit report. I also called all three agencies regarding the XXXX point drop and each customer representative informed me that the change is due to an increase in my debt indicated by my student loan provider of {$5600.00}. I was also told that it could take months for my score to increase by the XXXX points even if XXXX fixes the mistake. 

XXXX inaccurately report on my credit reports and why no one has caught this. The XXXX point decrease has put me in a completely different credit score bracket with a completely different interest rate for the car I have been planning to purchase. This error affects me in the long run and my financial well being. I need a person to give me a call to resolve this. I would like a live person to give me a call and explain why {$5600.00} was reported to the credit agencies and what is being done to fix the situation.
Consumer complaint received 2021-02-25
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. (TN)

On XX/XX/2021 I submitted a dispute to the 3 credit bureaus. They have yet to respond to my complaint. I need in written if they were able to verify the accurate of the accounts in my dispute. I need to know the following informations.

How did you verify these inaccurate accounts?

Did you talk to the court and if you did who did you talk with at the court?

Were you required to pay a fee to obtain the bankruptcy papers? 

Can you provide me with the contact number and name of the person you talked to?
Consumer complaint received 2021-03-26
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. (NY)

I am a victim of identity theft. I can't stand by and let my credit be destroyed. Please help! I have attached the FTC report as well as a notarized letter that certifies that I am in fact the one disputing the information on my credit report. The accounts and inquiries listed on the FTC report are fraudulent. Please remove them within 4 business days as per section 605 b of the Fair credit reporting act.
Consumer complaint received 2021-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (NC)

Paid {$1900.00} on XX/XX/XXXXto Goldman Sachs / Apple. They take 10 business days to post a payment even after the payment has cleared the account. They will report incorrect information to the credit bureaus due to this practice.
Consumer complaint received 2021-04-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (CA)

On XX/XX/2021, I applied for a mortgage with Better for a simple refinance on my home I've owned for five years. I have provided all information in a timely fashion. Better repeatedly and without notice transferred my loan to different processors, treating me with disrespect and a lack of basic communication throughout the process. When Better calculated my income from my rental properties, they failed to do it correctly. Their management, specifically XXXX, refused to provide any calculations or support. I am a retired doctor and I am XXXX, I believe this is the reason for the shabby treatment, repeated assignment of my file to other processors, culminating in the soft denial/withdrawal of my application and the inability for Better to understand my file. By shifting my file around, most people my age would give up or be confused but my accountant kept things organized for me in this process. I have strong suspicion that this practice of shifting my file around endlessly was age discrimination, which is contrary to Fair Housing and other Federal laws. After my accountant calculated, using Fannie guidelines, what my income would be for my rental properties they would not substantiate or show their work on how they said I had negative income, leading to an ultimate withdrawal of my application after spending money on their appraisal and wasting a month of time. My accountant and I were willing to explain the difference on depreciation to them, but they had no understanding at all of people with a simple rental property. Ultimately, their proposed estimate would have resulted in a 30 % reduction in my monthly payment, which is why their rejection on DTI concerns is preposterous. I request the CFPB to investigate on behalf of myself and other people similarly situated.
Consumer complaint received 2021-02-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: DISCOVER BANK (CA)

To whom it may concern, I am submitting this complaint to Consumer Financial Bureau because Discover failed to acknowledge and abide the federal law 15 US Code 1692c. ( c ) ( 2 ) Cease and Desist communications.

I sent this letter by certified mail on XXXX. Please refer to the exhibit 1a. On XXXX XXXX XXXX a letter was typed by me indicating to Discover that they had not stopped communication with me as originally requested and they were in violation of federal law 15 US Code 1692. On XX/XX/XXXX I drafted an affidavit of truth outlining the various violations and that of the federal law of 1692 and sent a letter and affidavit of truth on XX/XX/XXXX via priority mail see exhibit 1b. I am enclosing copies of over 13 violations or 16 in total of 15 USC 1692. Discover is in complete control of their internal IT department and it makes no sense, rhyme or reason why they could not obey Federal Law and cease communications as requested. So, I am requesting that Consumer Financial Bureau Protection agency enforce the laws and my consumer rights for these violations that have occurred. See exhibits A-U. 
Aslo, there is a violation of 1605a Finance Charge : The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

In 15 US Code 1605 ( a ) ( 1 ) Finance charge : Congress does not state that a late fee is part of finance. Actually the sum of all fees directly and indirectly have already been included in any consumer credit transaction so lates are not included in the law passed by Congress on behalf of consumers. 



Thank you in advance, XXXX XXXX XXXX
Consumer complaint received 2019-02-27
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. (TN)

I have contacted Equifax 3 times to dispute health care collections bills that have been paid. On XX/XX/2018 I paid 2 medical bills to XXXX XXXX XXXX using my credit card. I have receipts of payment for {$78.00} and {$190.00} respectively are the amounts reported as collections on my Equifax Credit report. I disputed these accounts with Equifax. The dispute results attached show Equifax claims they validated the creditor 's claim. This is impossible given I have receipt of payment. I disputed the claim again, this time in writing and provided copies of the receipts. Equifax still has not removed these collection reports from my credit file. Attached are copies of the receipts of payment to the medical company, a copy of the letter I sent to Equifax, a copy of the 2nd dispute resolution letter where Equifax claims they validated the creditor 's statements, and a copy of my most recent credit report with Equifax ; which shows the collections are still on my credit file.
Consumer complaint received 2020-10-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/2020, I, XXXX XXXX XXXX received a letter addressed by Wells Fargo Home Mortgage to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. However, the letter must have been redirected by the illegal occupants occupying the residence and was delivered by XXXX to XXXX XXXX on the front door step of that residence. The letter indicates that it is an acknowledgement letter and I agree that I have requested that Wells Fargo acknowledge and address some matters. the letter is properly addressed to XXXX XXXX XXXX and has the correct physical address in which I am inquiring into. However, the letter does not address the proper account number. I have provided the proper account number on all inquiries submitted. Therefore, Wells Fargo will need to identify and address the proper account number because there acknowledgment account number is incorrect. The provided response date is XX/XX/2020. I will further acknowledge that I received a voice message on ( XXXX ) XXXX. The account is also missing off of my credit report.
Consumer complaint received 2021-02-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (IL)

This is NOT my debt. The original creditor is listed as XXXX for {$250.00}. My comcast account has been paid timely for the past 22 plus years at my current address. Credit Management LP ( CMLP ) filed a collection with all 3 credit reporting bureaus. They submitted one on XXXX on XX/XX/XXXX. I disputed the debt the same day on XXXX and found the collection on all 3 agencies. I disputed the debt on all 3 agencies immediately. I mailed CMLP a certified letter on XX/XX/XXXX requesting that they cease the collection and that they should mail any documentation to me they feel proves the debt is mine to me. I have not received a response to the certified letter as of yet. I have not received the return receipt. CMLP has proceeded to flag my report again on XX/XX/XXXX for collections for the SAME debt. Their action has caused my credit score to drop by 100 points. This has reduced my credit rating from exceptional to good. I have no knowledge of ever speaking with them by phone and they have never contacted me by mail as required when collecting a debt. I will only communicate with them via the US Mail.
Consumer complaint received 2020-11-24
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. (IL)

Hello, I am reaching out to you because I have sent in disputes to each of the credit bureaus concerning them incorrectly reporting information about me. There are a multitude of accounts that are incorrect or dont even belong to me. It has been 60 days and still no reply, My letters have been not only been faxed, but also uploaded and mail. Yet and still nothing. I am fully aware that we are in the middle of a global pandemic but 60 days and no responses is unacceptable. At this point not only am I being ignored but the credit bureaus are taking advantage of an already difficult situation. If they do not have the manpower to process these requests they should not be reporting. It is quite unfair that as a consumer Im being dragged along.
Consumer complaint received 2022-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCIUNT COMPLETELY FROM MY CREDIT REPORT : ( Original Creditor : ) XXXX
Consumer complaint received 2020-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1989 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS DATE:XX/XX/XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
and can help your score. 

XXXX XXXX XXXX XXXX {$1300.00} Needs attention XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} Needs attention XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1989 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2019-02-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

XXXX is the worst company I have ever worked with. They ended my forebarence at the beginning of the year because they said I graduated or dropped out of school. I contacted letting them know neither of those were true and that I am still a full time student at my college. I have now contacted the twice with ZERO answer and they have taken money out of my bank account twice, overdrawing both times. They dont care about anyone. They ruin lives and I dont know what else to do. I cant keep paying XXXX a month to a company that wont listen to a word I say. Attached is a picture of my current school schedule proving Im a full time student.
Consumer complaint received 2021-09-01
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. (FL)

XXXX, equifax and XXXX  has a collection on my reports. thats not mine and they refuse to remove or delete. 
XXXX XXXX XXXX this account is not mine. 
i was not notified of this account. i was not asked to validate if this account was in fact mine. there is no signed contract between me and XXXX XXXX XXXX. with my wet ink signature stating i was/in agreement to pay this collection. this collection is not mine. must belong to someone else with the same name. i couldve been involved in some sort of data breach or cyber hack.
Consumer complaint received 2022-12-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2022, I received a text from a number claiming to be from XXXX 's fraud department claiming that someone was trying to purchase a XXXX XXXX  and to call the number on the text to let them know it wasn't me.. I then called the number and the person that answered said they were with XXXX 's fraudulent claims dept and that they needed to gain access to my phone remotely to XXXX  hackers from XXXX XXXX and XXXX that were trying to use my IP address to run a XXXX XXXX XXXX  Under duress I gave them access to my phone They then started purchasing XXXX XXXX  and stocks in XXXX XXXX XXXX  and they would sell both and then transfer the funds back into my bank account. They did this repeatedly for the next 3 hours, never allowing me to use my phone to call for assistance as it was being remote controlled by them. At some point they were distracted and I was then able to turn off my phone and when I turned my phone back on, I immediately uninstalled the application the used to remote control my phone. They tried calling me back numerous times then I blocked the number. At the end of this ordeal they had purchased XXXX of XXXX XXXX via my XXXX account and sent it to their personal wallet. I then notified Wells Fargo that I fell victim to fraud and they put XXXX back into my account as a provisional credit. Wells Fargo said they would investigate and would notify me in 30 days. I was notified that my claim was closed because I gave the scammers permission.
Consumer complaint received 2021-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (HI)

On XX/XX/XXXX, I applied for a Home Depot consumer. I was denied. I contacted Home Depot credit services. I asked why I was denied. The lady told me too many inquiries. Ok? 
Me : Who decides whether or not I receive credit? 
Citibank Representative : The computer system. 
Me : Well, obviously, a human made the computer system/ software. So, there was human involved in making that credit decision ... 
Me : ... asking more questions. 
Citibank Representative : Sir I don't make the decisions, the computer does. 
Me : ( More questions ... ) Citbank Representative : ( Maintaining the same posture ) ... the computer makes the decisions.

Me : ( Frustrated ) Another attempt at obtaining a Citibank credit card from Costco on XXXX??, XXXX : DENIED! 
Why : Account restricted ; Late payments ( over four years ago. No late payments since XXXX ) ; Delinquent account ( even though accounts have been paid off ) ; & et.c
Consumer complaint received 2020-11-24
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)

I have a protection plan through XXXX XXXX XXXX. I have been disputing the same items for over a year now with Equifax and on the credit file, I was provided that the items do not show any longer and could not dispute them because they were not on the report. Today I was denied credit for my business due to the items that were supposed to be taken off the report. When you call and go through the entire process of validating yourself you give all of your information and then they continue to send you through this again, you can never reach a person to get to the bottom of this. Equifax is sending out fraudulent information and giving you no way to talk with a person.
Consumer complaint received 2020-12-01
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. (CA)

There is an item on my credit report from XXXX XXXX/XXXX. I have never opened account with comenity bank. I continue to dispute this item with the credit bureaus and the furnisher, but XXXX XXXX  continues to verify this information as accurate. In addition, each month XXXX XXXX  reports me late. How can they report me late when I do not have an account with them or owe them payments. 

I need this item removed.