davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I have been working with a mortgage company for 1 week and a half now and they are unable to pull my Equifax credit score. 

I phoned Equifax on XXXX spoke with a representative who stated there was nothing on their end that was causing the problem. No freezes or fraud warnings the company should be able to get the credit score. 

Phoned Equifax again on XXXX as unable to pull the score. Again, as noted above they stated that all information was correct and the company should be able to pull our score. 

Phoned Equifax again on XXXX. I verified that my address online with them and the address my mortgage company was submitting is the same and correct. Still unable to pull my credit score- on the phone with a representative for 30 minutes trying to see what is going on. They were still no help, stated the mortgage company should be able to get the score. 

Phoned Equifax again on XXXX as the mortgage lender is still unable to pull our score. They have spoken directly with the company that pulls the credit, they stated that I need to contact Equifax again as it is nothing on their end. 

If I don't get this resolved I will miss out on the property we are wanting to buy to build our home. This is absolutely ridiculous. No one is helpful at all at Equifax customer service.
Consumer complaint received 2021-11-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc. (FL)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not persuaded that XXXX and XXXX Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on CBE GROUP. Please change the status to Paid or simply " Remove '' the account. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate.
Consumer complaint received 2022-03-30
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: CBC Companies, Inc. (CA)

On XX/XX/2022 XXXX USA company used my social without my authorization. FACTUAL DATA Is another company and XXXX. Also XXXX  XXXX XXXX. 
Please remove all the credit inquiries I did not made starting the month of XXXX, so my 3 credit bureaus are not hurt.
Consumer complaint received 2021-11-09
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)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports I have been patiently waiting on the EQUIFAX response about 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 and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ;
Consumer complaint received 2022-04-18
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: Conn's, Inc. (TX)

This is a formal complaint against Conns Appliances Inc located in XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Conns Appliances Inc has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2022-04-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SL Finance LLC (CO)

SL finance said that I would be paying them for my student loans. I found out they are scammers. Ive been paying them and found out they are not putting my payments toward my loan. Their address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX. Phone number is XXXX. I had no idea they were a scam because they had all of my information. I was contacted by financial aid and informed that they were not a legitimate business.
Consumer complaint received 2019-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (FL)

I had a Shell gas card from Shell/CBNA ( Citibank ) for 18 years until I filed for bankruptcy. When I filed bankruptcy last XXXX, I did not include Shell on my Schedule of Creditors ( attached ). I called Shell beforehand telling them I wanted to keep the card, I paid the little amount of money I owed them, and told them I wanted to keep the card. The card was cancelled, that's their right, but they report the card as " included in bankruptcy '' or " discharged in bankruptcy. '' I did not include them in my list of creditors, paid off my balance, I do not understand. I called Shell in XXXX to reinstate the card, reaffirm the debt ; they performed a hard inquiry on one of my credit reports for that purpose and denied me-which is their right. But i don't believe it's their right to associate their account with my bankruptcy when i paid them and didn't include them in it. 

This action contrasts with XXXXXXXX ( XXXX XXXX ). They were not listed in my Schedule of Creditors, like Shell, yet they closed the account but they are not reporting it whatsoever as a bankruptcy- as it isn't ; as Shell isn't. In fact, I am awaiting a decision from XXXX/XXXX to reinstate the card. I paid them in full like Shell. XXXX XXXX/XXXX did the right thing, Shell didn't. 

Please see the attached excepts from experian pertaining to these two accounts.
Consumer complaint received 2021-11-09
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: Rausch Sturm LLP (MN)

I am in the process of mailing a notice including this relevant information to Rausch Sturm LLP, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MN XXXX. 

As a summary, the debt collection company is not following debt collection practices in the area of suing me, sending me the wrong information and notices of intent to apply for default judgment when they are disregarding three key Minnesota Court Rules : Minnesota Court Rule 5.02 ( c ) ; Minnesota Court Rule 355.02 Subdivision 2 ; and Minnesota Court Rule 5.04 ( b ) 2020 Amendments.

" This message is to inform you ( any practicing lawyer at that you are not following Minnesota Court Rule 5.02 ( c ). Effective Date Of Service; and Minnesota Court Rule 355.02 Subdivision 2. Service By US Mail. These rules state that service by US Mail, which is how you were served, is completed upon mailing. I have provided copies of my certified delivery receipts and tracking numbers and delivery notifications when entered into the United States Postal Service website, indicating both the date of mailing, XX/XX/XXXX, and the tracking numbers indicate receipt upon XX/XX/XXXX. Your message, also included, states your affidavit was served on XX/XX/XXXX. The mailing date is, therefore, within acceptable delivery timeframe pursuant to your Summons and Complaint. I have enclosed a relevant information page of your request for discovery rules, dated XX/XX/XXXX as proof of your receipt of my Answer as well. USPS Tracking Numbers XXXX and XXXX. 

You have not complied with Minnesota Court Rule 5.04 ( b ) 2020 Amendments to provide a separate affidavit of service of your Notice Of Intent To Apply For Default Judgment. Failure to send an affidavit in a separate delivery violates this amendment as : Rule 5.04 ( b ) is amended to expressly require that proof of service be provided either by : ( 1 )... or ( 2 ) by filing a separate certificate of service. The amended rule specifies that a certificate of service must be signed under oath or penalty of perjury by the person effecting service. The certificate must also establish the specific time and manner of services, as this information is often required to determine the deadline for response. As this was not properly provided in a separate envelope or other separate mailing package that does not include the form it describes, your Notice Of Intent To Apply For Default Judgment is not valid for your stamped date of XX/XX/XXXX and will not stand contest or appeal in court unless you can supply documentation of a separately mailed Affidavit of Service, typically via certified mail receipt ( s ). 

As I have complied with Minnesota Court Rule 5.02 ( c ) and Minnesota Court Rule 355.02 Subdivision 2, the included copy of relevant information from your message noting the intent of obtaining a default judgment, dated XX/XX/XXXX, is false. ''
Consumer complaint received 2021-11-09
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. (TX)

I have been ton my credit for several months. Please update and remove all unverifiable and un authorized information off my credit report. This is a violation of my rights
Consumer complaint received 2021-11-09
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: DISCOVER BANK (GA)

I recently received a copy of my XXXX  report and I noticed some account on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : XXXX {$570.00} The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act " 15 USC 1681 a 2 b '' ( See below ) Exclusions Except as provided in paragraph 3, the term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

The credit issuer or debtor has not issued a 1099C " cancellation of debt '' tax form since the alleged debt has been written off and therefore considered as income for the issuing company. I have not received a 1099C tax form. Since the debt is considered income for tax purposes on the companies end, the debt can not be listed on my consumer report according to the FCRA.
Consumer complaint received 2021-11-09
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. (TX)

EQUIFAX, XXXX, AND XXXX ALL HAVE BEEN NOTIFIED ABOUT THE INACCURACY OF MY CREDIT PROFILE IN XX/XX/XXXX, AND I HAVE YET TO HEAR BACK FROM EITHER AGENCY. THEY ARE IN VIOLATION OF THE FAIR CREDIT REPORTING ACT BY FAILING TO REPLY WITHIN 30 DAYS. I AM ASKING TO REMOVE THE INACCURATE ACCOUNTS OR PROVIDE DOCUMENTATION. I OWE NO DEBT TO ANY OF THESE COLLECTORS. LEGAL ACTION WILL FOLLOW. PLEASE REMOVE THE FOLLOWING ACCOUNTS ACCOUNTS : XXXX XXXX XXXX  Opened XXXX {$500.00} XX/XX/XXXX XXXX XXXX XXXX Opened XXXX {$1400.00} XXXX XXXX XXXX Opened XXXX {$6600.00} XXXX XXXX XXXX Opened XXXX {$6700.00} XXXX PLEASE FOLLOW SUIT AND ALSO REMOVE THE FOLLOWING ACCOUNT AS THIS REPORTS TO NEITHER XXXX NOR EQUIFAX. I HAVE NO KNOWLEDGE OF THIS ACCOUNT XXXX XXXX XXXX Opened XXXX {$650.00}
Consumer complaint received 2022-04-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Grant Mercantile Agency (FL)

I have XXXX collection notices from Grant Merch. The submission dates were XXXX, XXXX. Grant refiled the accounts to XXXX to represent that they were new starting XX/XX/XXXX. This was purposely done to ruin my score, allowing the entries to remain on my accounts an additional three years in a violation of the Consumer Credit Reporting Act.
Consumer complaint received 2022-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (PA)

Discover credit card has a voluntary closed account shown on my credit report as an active credit card balance which is affecting my credit usage and is showing a usage of 80 % on my credit report. Before my Discover credit card was closed years ago, my credit limit was {$7000.00} and I was placed on a hardship payment plan of $ 65 monthly and Discover informed me that the account will not be listed on my credit report. The Discover account is also not listed on my XXXX XXXX XXXX credit report.
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

trying to open a new bank account denied because of a report from chexsystems containing fraudulent information of credit or bank inquiries not me but identy theft preventing me from opening a new bank account with applications for bank accounts and credit not by me therefore blocking me from opening a bank account as tey say deny to the banks
Consumer complaint received 2021-02-04
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: EQUIFAX, INC. (AZ)

Have had several disputes minimal progress my XXXX  and XXXX reporting in 600s equifax stalled at XXXX. Anytime going over 600 immediately drops back down. Please help
Consumer complaint received 2021-11-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (NC)

This complaint is in reference to an original complaint in which Chase ( in my opinion ) fraudulently pulled a credit report and sent me an active card which required me to spend hours on the phone trying to get resolved and ultimately got addressed through a prior complaint. As a result of Chase trying to resolve the initial complaint ( XXXX ) which was being addressed by XXXX of the executive department of Chase they closed down my account access to my car loan. I took out a loan when I purchased a XXXX vehicle which was apparently financed by Chase. As they closed the credit card I did not apply for they are preventing me from accessing online and making my payment for my car. I informed XXXX of this on XX/XX/XXXX at which time she said she was not sure how this would be corrected but would check and get back with me. By XX/XX/XXXX I still had not heard of XXXX and so made another call and left a message. As of the date and time of this complaint I still have not heard from her and with a payment due on my car I'm facing a potential late charge. I have spent hours on the phone trying to get all of this resolved with Chase employees who have generally been useless and actually created new problems. If Chase is going to prevent me from making a payment they should waive all due amounts, or allow me to make my car payment which as always been made prior to the due date and never late.
Consumer complaint received 2021-08-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Credit Corporation (TX)

I have tried to work with this company several times with absolutely no help. Whenever I call either get someone with a horrible attitude or hung up on. I keep receiving letters and do not mind paying what we agreed but no one will call back or work with you yet they keep updating my credit report.
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: WAKEFIELD & ASSOCIATES, INC. (GA)

On XX/XX/2019 a report was made in the amount of {$1100.00}. Due to consumer reporting law 15 US 1681 ( a ) ( 3 ) this action has been deemed unlawful.
Consumer complaint received 2021-11-08
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: DISCOVER BANK (CA)

I disputed this account XXXX and to this day it has not removed from my credit report. I called the company and dealt with the credit bureaus directly. Although they returned a verdict of saying that the account was found fraudulent they never deleted it from my credit report even though XXXX XXXX stated that it would be deleted from my report first on XX/XX/XXXX then again on XX/XX/XX/XX/XXXX
Consumer complaint received 2021-11-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (TN)

Venmo charged me {$0.00} as a transaction fee for a peer-to-peer transaction ( my friend sending me {$20.00} for lunch ) accusing me of being a seller. I do not sell lunch, was my friend paying me back and should have been no fee. Chatted with venmo support but they would not resolve.
Consumer complaint received 2018-12-24
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: EQUIFAX, INC. (NE)

Two accounts from on Equifax Credit Report are aged at seven ( 7 ) years and are thus to be deleted for that reason. Equifax reported the following to me regarding these accounts, " Between XX/XX/XXXX andXX/XX/XXXX the following accounts were deleted from your credit report. '' However as of today, " XX/XX/ both accounts still remain on my credit report as well as ALL the information involving payments, status, open and closed dates, etc. I sent a letter reminding them that these are aged and that they had told me they were removed but are still showing.
Consumer complaint received 2022-03-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (WI)

In XXXX of XXXX, I believed I was in a forbearance/deferment of my student loan with a total of {$5600.00} through Firstmark Services as requested, as I had newly started a XXXX  program. Unfortunately, in XXXX of XXXX, in checking my credit report, I realized I had multiple payments that were late ( dating XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX ) and that I was in fact not in forbearance as I requested in XXXX of XXXX. This resulted in late fees. In XX/XX/XXXX, I received a phone call that I had missed payments and needed to make my account current. I made a payment on XX/XX/XXXX for {$400.00} and noted to the representative that I believed I was in a forbearance due to my enrollment status in my XXXX  program, but didnt want a negative impact on my credit so I would make a payment, but I asked to speak to someone about why my forbearance was not in effect. I was told that someone would contact me, but did not hear back in any forms of communication. In XXXX of XXXX, I double-checked on my account, and realized I was again not in forbearance as I had requested. I made a payment on XX/XX/XXXX as to not receive negative remarks on my credit report. Again, I made a call to Firstmark Services ( date unknown ) to check in to see why my account status was not in deferment/forbearance. I was told it would be taken care of, as they saw my request in XXXX of XXXX and were confused themselves, given my enrollment status in my XXXX program. 

I did not receive a call back from Firstmark, and went on to believe that my payments were deferred, given my last conversation with the representative in XXXX. 

After checking my credit report in XXXX, I saw the derogatory remarks. Immediately, I contacted Firstmark services and inquired on this. To not impact my credit any further, I made a payment on XX/XX/XXXX for the total of {$320.00} to make my account current. The conversation at that point is detailed below : Firstmark claims to have contacted me via phone and mail regarding late payments in XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, but I did not receive any of the communication ( phone, email or mail ) that they claimed to make. In XXXX, I requested to reverse the missed late payments and remove derogatory marks from my credit reports in all of XXXX, as I was told misleading information about the status of my account. Repeatedly, my request was denied. I continued connecting with Firstmark three different times with requests to remove the derogatory marks, and they persisted that I was to blame, that they had done their part to contact me. 

I have since paid the loan in full so I no longer have to deal with Firstmark Services. The full payoff was made on XX/XX/XXXX.