davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-05
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. (FL)

I have previously been the victim of identity theft and now have some more items appearing on my credit report that were not done by me or authorized. I will be placing security locks on all three bureaus to prevent this in the future. The list of Unauthorized Inquiries are : Creditor Name Date of inquiry Credit Bureau XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX. XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-01-10
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. (MI)

I have sent letters to the companies as well as dispute with the credit reporting agencies about these alleged accounts on my report, as well as a bankruptcy on the account. I also asked for verification of the validation since I am being told that it is still accurate and correct. I was told they have a contract with the reporting company and that do not have to disclose any of that information with me as the consumer because it matches my social security number.
Consumer complaint received 2021-10-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

To Whom It May Concern, This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure. 

For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : 1. Please remove XXXX XXXX Account # :XXXX from my report 2.Please remove XXXX XXXX account Account # XXXX from my report 3.Please remove XXXX Account # : XXXX & XXXX from my report 4.Please remove XXXX Account # XXXX from my report 5. Please remove XXXX Account # : XXXX from my report 6.Please remove XXXX XXXX Account # XXXX from my report 7.Please remove XXXX Account # XXXX from my report 8.Please remove XXXX XXXX  Account # XXXX from my report The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law you had thirty ( 30 ) days to complete your re-investigation, yet you have failed to respond. Do not delay any further.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Sincerely yours, XXXX XXXX _________________________________________
Consumer complaint received 2022-08-13
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. (MI)

you have sent me this letter after my complaints This is my EMAIL. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX ( XXXX ) XXXX Social Security # XXXX This is Me if i have any more difficulties with this matters i will have to take a legal approach
Consumer complaint received 2018-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I submitted two applications with Chase Bank for XXXX branded credit cards. ( One business, one personal ). 
I read the terms and conditions which included XXXX XXXX points for as a welcome bonus for each card. After submitting the applications I received an email stating that my applications had been received. Chase then changed the terms and conditions and claimed that I did not meet the new terms and conditions for the welcome bonus. They suggested I submit proof showing my application was submitted on XX/XX/XXXX which I did ( I sent the emails I recieved from Chase with time stamps ). Chase then claimed my application came in over 24 hours later and says they have no record, and can not pull up the emails in question. They have advised me that I can get the cards without the welcome bonus. 
This is bait and switch and an unfair business practice. 

XX/XX/XXXX Submitted application First week of XXXX - called customer service twice XX/XX/XXXX Submitted proof of application date and time. Was told I would be contacted within 7 business days XX/XX/XXXX No response so I submitted another message asking when I would be contacted. Recieved another message saying I would be contacted in 7 business days XXXX Received message to call customer service XXXX Talked with customer service. Call escalated. Was told I would receive a call back. 
XXXX Received call. No resolution so call was was escalated. Told I'd receive call in 24-48 hours XXXX missed call from Chase. Called back immediately. Supervisor could not talk. 
XXXX spoke with Chase. Said they'd look into it an respond in 24-48 hours. 
XX/XX/XXXX Final call from Chase. No resolution offered. Claims there is no way to look up emails that were sent to me.
Consumer complaint received 2021-04-11
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: GOLDMAN SACHS BANK USA (IL)

On XX/XX/XXXX Goldman Sachs Bank Usa Reported on my account as a collection. Goldman Sachs Bank Usa XXXX XXXX credit report that this account was opened XX/XX/XXXX .Goldman XXXX Bank XXXX XXXX a derogatory mark on my credit report. Per credit Karma, Identity Iq, and Score Sense. Upon further research, this account was marked as charged off. I have not received any verification from Goldman Sachs Bank Usa except a print out of a contract with no physical signature from myself. Anyone can send a contract and print your name and say its a valid contract when in fact it is NOT.There is NO Written form of communication, No Contract, and No signature. According to the FCRA Goldman Sachs Bank Usa has violated my rights as a consumer and i'm requesting legal action to remove this account immediately. 

On XX/XX/XXXX XXXX XXXX XXXX on my account as a collection. XXXX XXXX states per credit report that this account was opened XX/XX/XXXX XXXX XXXX added a derogatory mark on my credit report. Per credit Karma, Identity Iq, and Score Sense. Upon further research, this account was marked as charged off. I have not received any verification from XXXX XXXX except a print out of a contract with no physical signature from myself. Anyone can send a contract and print your name and say its a valid contract when in fact it is NOT.There is NO Written form of communication, No Contract, and No signature. According to the FCRA XXXX XXXX has violated my rights as a consumer and i'm requesting legal action to remove this account immediately.
Consumer complaint received 2021-04-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SLM CORPORATION (CA)

On XX/XX/2020, I applied for a student loan of {$18000.00} through Sallie Mae for XXXX XXXX XXXX for an XXXX XXXX field. The college had promised a full-time in person training throughout the program. However, due to COVID-19, they experimented half virtual half in person learning, which turned out to be a disaster for me and my classmates. I simply received a certificate of program completion, after the college was shut down, which had absolutely no value in getting me a job. Meanwhile, Sallie Mae was charging me interest in the background without my knowledge. Sallie Mae initially promised to kick in payment and interest upon graduation from the program. But they were not truthful. Because of the pandemic and poor training, I am unable to find a job. As a result, I am having an extremely hard time making loan repayment to Sallie Mae. I have pleaded with the college to help out as their program was a failure and also pleaded with Sallie Mae to waive the excessive interest, late fees, and increase in monthly payments. Neither the XXXX college nor Sallie Mae will honor my request. I have been hard-pressed and extremely saddened by the situation I have been put in by the college and Sallie Mae. 
I therefore appeal to you to help me out. 
I would appreciate you assisting me in this crucial matter.
Consumer complaint received 2018-12-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (TX)

This credit card, was fraudulently used on my behalf with in XXXX   XXXX, Co. I have never resided or was XXXX in XXXX XXXX, CO at the addresses list in the accounts. I have been trying to get these accounts closed since XX/XX/XXXX. After my annual income tax wages were garnished to pay the delinquent amount. 
When I was made aware that my personal identifiable information was included in a data breach with the US Office of Personnel Management. I sent a letter to XXXX XXXX XXXX  to have them investigate. They did not acknowledge my 3 attempts. I have written letter on the following days : XX/XX/2018, XX/XX/2018, XX/XX/2018. 

I have disputed these accounts 3 times with all three credit Bureaus, they have temporarily removed the accounts, and 30-60 day they would return.
Consumer complaint received 2021-02-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (WA)

Around XXXX XXXX I had my PUa unemployment assistance deposited in my Venmo account and my account was frozen and I was told after 180 days my funds would be released the 180 days have passed and they still refuse to release my money after several attempts to ask why with no explanation Ive contacted my attorney and he advised me to file a complaint here my email associated with my account is XXXX And ticket number for this problem is XXXX
Consumer complaint received 2020-01-31
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

The lender has been giving me the run around. They had that my home sold for over 3 weeks and I could not get them to review my loan modification packet. 

When I finally addressed it to them they said they had no record of it. Well they have all the recorded phone calls where my counselor called them and they told him that my home had sold. 

They keep playing games and now they have a placed another sale date on my home!
Consumer complaint received 2021-10-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (CA)

Since XX/XX/XXXX we have been attempting to work with Fay Servicing on a loan modification or any other assistance to allow us to keep our home. We have been denied with no explanation, denied due to lack of income, denied due to excess equity/assets as well. The reasons change each time and information given by call center representatives is not consistent. Our initial case manager was XXXX XXXX, good luck receiving a call back or response to emails. 20 months later, we are now with XXXX XXXX and supervisor XXXX XXXX. XXXX recognized in the system, after our MANY calls that issue was with their office and not our error with loan modification. In XX/XX/XXXX documents were sent with my wife 's maiden last name. We contacted Fay twice and was told new documents would not be sent that a notary will still assist us. Wrong, was denied by notary at our credit union because name did not match. XXXX collected our payments we had been trying to pay and had new documents sent to us. XXXX tracking and Fay confirmed they received them on XX/XX/XXXX. We were told to keep paying as agreed {$1800.00}, which we have. Today, and the last few days, Fay has refused to take payments due to foreclosure. What foreclosure, we have never been informed of this. XXXX emailed VP of loss mitigation a few months ago, no response. We have not received monthly statements for several months. We have emailed several times just this month asking why we don't have access to full account & why they never send statements. No response. We are also told there is a system glitch that refrains system from accepting our loan modification and cant override template.They are trying to figure it out. Teams and departments, do not communicate with one another. We are trying to keep and save our home but Fay seems to want to keep it for themselves. We have an XXXX statement that shows XXXX is owed, I dont understand where this amount comes from since we have been calling in payment every month. I dont understand why this month, all of a sudden we are not allowed to make any payment. I dont understand why Fay did not and has not worked with us during Covid-19 crisis. Fay was informed several times, I was hospitalized 4 times, my father died unexpectedly, we were exposed by immediate family member and quarantined for almost a month. I was forced to retire due to medical issues and Covid-19. My wife received a paycut to avoid layoff due to Covid. Our credit union was willing to assist with refinancing just so we could get away from Fay but of course, Fay is not reporting our payments so it looks as if we are delinquent. We have also asked why one of the few statements we can access, shows foreclosure attorney fee and no response. Statements attached for review.
Consumer complaint received 2021-10-08
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: CBC Companies, Inc. (TX)

Innovis credit reporting agency is inaccurately reporting my payment history. My last payment on my account was XX/XX/XXXX. They are reporting that my last payment was in XX/XX/2021. In addition the comment section of my report is also incorrect. They are reporting payment deferred which is incorrect. How can this company properly investigate my claim in 5 days and advise me that me information is accurate. I am frustrated and have submitted a letter from XXXX XXXX XXXX supporting my dispute and requesting them to update my report. Innovis has failed to follow XXXX XXXX XXXX request. I am seeking assistance from CFPB in resolving this matter with Innovis. 
* The comments below was copied from my Innovis credit report and pasted below * Here are their findings : Initiated : XX/XX/2021 Additional Information : Please be advised that my account is not in deferrement. I would like this status removed from my Credit Report. Please confirm with XXXX XXXX Status : Investigation completed on XX/XX/2021. The item has been verified. Please review the report for the most current information.
Consumer complaint received 2021-04-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (NY)

I applied for a refinance with Citibank on XX/XX/2020 and my loan was approved on XX/XX/2020. It is now XXXX and my loan officer claims my application is still in underwriting, with no ability to confirm when the closing will take place. My credit has been pulled twice at this point because the first credit check expired, so now this excessively long process is harming my credit score. I've also lost months and months of time waiting for the refinance, in which I could have been saving money on interest with my new interest rate. However, having already paid all the application fees I am stuck waiting for Citi to process my application. I was told 4 weeks ago over email that the closing should be " any day now '' and since then have received no reply to two inquires to the loan officer. Citi should be compensating me for the nearly 6 months in which I could have been saving interest on my loan.
Consumer complaint received 2021-04-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (CT)

National Recovery Agency address XXXX XXXX XXXX XXXX, PA XXXX Has been reporting a collection account on my credit reports in the amount of XXXX I have never done business with this company and this company does not have a contract with my signature.
Consumer complaint received 2022-08-08
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. (PA)

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00}
Consumer complaint received 2022-07-29
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. (NY)

There is an inquiry on Equifax that I do not recognize. This is fraud since I did not consent to this. I have filed a dispute with Equifax saying that the inquiry is fraud yet they continue to report the inquiry. 

I demand under FCRA : Section 604 : XXXX Permissible Purpose XXXX. My written authorization XXXX. Proof that I personally initiated this inquiry. 

Either provide me strict proof or DELETE the item immediately.
Consumer complaint received 2022-08-08
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: EQUIFAX, INC. (NY)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many inquiries which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 XXXX XXXX If you feel there is a possibility these inquiries belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2021-04-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PNC Bank N.A. (PA)

Hello, My name is XXXX XXXX and I am contacting you in regards to my credit report showing PNC BANK NA account that was reported as a charge off and then paid in full, I have contacted PNC and they said it will take 7 years for the charge off to be removed from my credit report because they do not pay for removals, I explained it was an honest mistake because I had a secured credit card with a balance of {$300.00} along with a checking account, When I closed my checking account with PNC.bank I was under the impression that the remaining balance on My {$300.00} card would be deducted from my checking account before giving me the money, But unfortunately it was not and without any correspondence from PNC it went completely unnoticed, Then it showed on my report, So I am asking you to please forgive and grant me a goodwill adjustment by removing the paid account off of my credit reports, it has a significant effect on my credit score and I am currently trying to get approved for a mortgage, I hope you grant my request in a goodwill adjustment and remove PNC from my account, Thank you
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
These following items listed below are unknown to me. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ( Original Creditor : XXXX  ) XXXX Balance : {$610.00} XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$18000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$410.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$250.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$300.00}