davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (FL)

I have excellent credit for both home and auto, however Lexis Nexis reported incorrect scores to my car insurance company XXXX  XXXX XXXX XXXX XXXX due to an error reported to the credit bureaus in XX/XX/XXXX as a result of my doing a balance transfer from one credit card to another in order to reduce my interest rate. 

I had requested that LexisNexis run my credit and auto scores 90 days prior to my car insurance premium renewal for my insurance company because I felt my insurance premium was too high. LexisNexis came back with the incorrect scores due to the balance transfer error. In turn, my insurance company raised my car insurance premium rather than lowering it. 

When I found this out I filed a Direct Dispute with XXXX who had said my scores as of early XX/XX/XXXX were Credit XXXX and Auto XXXX. XXXX then looked into this and XXXX corrected the scores as of XX/XX/XXXX to read XXXX XXXX and XXXX XXXX and as of XX/XX/XXXX for both XXXX and XXXX. As of XXXX they are currently XXXX. 

I then contacted LexisNexis XXXX XX/XX/XXXX, their reference # XXXX and appealed to them about these errors and requested they use my correct scores going back to XX/XX/XXXX, since had there not been an error made, those are the scores they would have used and reported to XXXX XXXX. LexisNexis refuses to use them and my car insurance company claims they can not discuss anything about my credit with them and therefore they can not use the new scores to reduce my premiums. The lower credit and auto scores, XXXX and XXXX, are causing my car insurance premiums to increase rather than decrease. XXXX has my credit score at XXXX as of XX/XX/XXXX which is even higher than XXXX and XXXX, and, my auto score as of XX/XX/XXXX, was XXXX. 


Since my credit and auto scores were lowered through no fault of my own then readjusted to reflect the correct scores, I strongly feel that my insurance premium should reflect my much higher scores. There is a big gap from Early XXXX to XXXX. What LexisNexis is refusing to do for me, a XXXX year old Senior citizen on a fixed income who was empoyed by the federal government for 30 years and who hasn't seen a cost of living increase in the past 3 years and most likely will not see an increase in XXXX is shameful. 

A copy of this went to The Florida Attorney General, XXXX XXXX, the Florida XXXX XXXX, LexisNexis and XXXX XXXX XXXX XXXX XXXX. I have not heard back from anybody except the Department of Financial Services instructing me to submit a claim to you.
Consumer complaint received 2019-08-28
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. (OH)

I am in received some letters from XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX,  informing me that they are handling the collection of the account mentioned above. However after reviewing my records, I am unable to find any documentation of any contractual relationship between XXXX and myself, XXXX XXXX XXXX, which makes you a person entitled to enforce a commercial claim against me. This is not a request for any verification or validation. 
This is a request for proof of contract, to substantiate your claim. Therefore, provide me a certified copy of the original contract, with my signature, specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who duly swear the copy made is in fact a copy of the original paper contract in question.
Consumer complaint received 2018-10-10
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. (CA)

on XX/XX/18 at XXXX I tried to get my credit scores from XXXX XXXX and equifax. 
XXXX XXXX link directed me several " security questions '' and after that to a pay website where I need to give my credit card to get the score. I declined. 
equifax website link directed me several security questions that were vague and used wording like bank card instead of credit card to mislead. After that step the website just prompted that they can not give me the score online and that I can only do it via regular mail, where I need to fill out an attached form along with the Social Security card Pay stub with Social Security number, W2 Form, Driver 's License, Rental or lease agreement/house deed, Pay stub with address, Utility bill ( gas, electric, water, cable, residential telephone bills ). 

it looks like these companies go to great lengths to get money from the customers that need their own credit score.
Consumer complaint received 2021-06-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

CHASE BANK REFUSING LIGIT ACH authorized payments causing impacting financial hardship. Vendors being told at clearing house customer does not authorized the transaction. Totally false. Chase at every level unanle to respond with a reason they just keep rejecting. Unacceptable!
Consumer complaint received 2019-08-27
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. (NY)

The account with XXXX XXXX XXXX was closed and charged off back in XX/XX/XXXX and on XX/XX/XXXX it was removed from my credit report and they placed it back on my credit report this year XX/XX/XXXX and should be off on XX/XX/XXXX i want this account removed from my report because I even called the collection office and they dont even have an account for me because that account was written off back in XX/XX/XXXX
Consumer complaint received 2020-06-03
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. (MS)

I recently for an apartment and I got denied. I got denied. I don't understand why I would be de-nied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on, but these items are not mine and they all need to be deleted from my credit report.
Consumer complaint received 2018-04-09
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. (NC)

On XX/XX/XXXX, my wife and I sent letters to the credit bureaus asking them to investigate errors on our credit report. I am attaching a copy of the letter we sent to them. They are supposed to respond within thirty days, but they have not.
Consumer complaint received 2023-02-20
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. (LA)

In accordance with the Fair Credit Reporting act : XXXX XXXX  account XXXX XXXX has violated my rights. 
XXXX account # XXXX has violated my rights XXXX XXXX XXXX XXXX  account XXXX XXXX has violated my rights XXXX XXXX XXXXXXXX XXXX accout XXXX XXXX has violated my rights XXXX account # XXXX ; XXXX acoount # XXXX ; XXXX acoount # XXXX ; XXXX  acoount # XXXX ; XXXX acoount  # XXXX XXXX acoount # XXXX has violated my rights XXXX  account # XXXX and account # XXXX has violated my rights XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights XXXX XXXX XXXX ACCOUNT XXXX XXXX has violated my rights XXXX XXXX ACCOUNT has violated my rights XXXX XXXX has violated my rights XXXX has violated my rights XXXX XXXX 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 Seection 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-03-31
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)

Good evening, Upon checking my credit report i noticed a handful of fraudulent accounts and inquires on my credit report. II have never had any contact with theses banks on my credit report. Also, I noticed my date of birth is incorrect. I was born in XXXX. I was not born in XXXX. I do not know who these account belongs to but it does not belong to me.
Consumer complaint received 2021-11-29
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: SYNCHRONY FINANCIAL (NV)

On XX/XX/XXXX a charge was made to my card of {$98.00} from XXXX XXXX XXXX XXXX, I contacted my card company and mentioned the situation, they took months to decide that they could not do anything, and they did not provide me with any evidence of that purchase. 
I did not make that purchase paypal credit card is a company that treats its customers with discrimination and racism
Consumer complaint received 2021-04-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. ()

My account has been disabled since XX/XX/XXXX, due to the fact that my account login was canceled, since then I have not been able to count on a XXXX  support service, my emails do not respond and I have my fonts trapped in the account. My case number # XXXX
Consumer complaint received 2022-09-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (MA)

On XX/XX/22 I called US Bank about closing the escrow account on my mortgage. Loan is more than 9 years old and loan to home value is less than 25 %. Representative said I can close the escrow account but required that I pay a fee of about {$660.00} to do so. It doesn't sound right that the customer needs to pay a fee to close the account.
Consumer complaint received 2021-05-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL (CA)

Identity theft. My wife and I are both XXXX elderly retired citizens with an excellent credit rating and NO criminal history. Our credit card information was stolen via PayPal/Synchrony Bank. It has been used for two purchases to XXXX XXXX and one to for a {$3000.00} laptop computer. The criminal obtained my personal information from XXXX XXXX via PayPal Synchrony bank. He opened a credit account at PayPal 's Synchrony Bank using my Visa and personal information.. He obtained the {$200.00} cash credit limit on this card at XXXX XXXX. XXXX XXXX now demands that I pay the XXXX XXXX dollars even though they know I have been hacked. They call us every two hours, 24/7 days a week. PayPal who previously stated I would not be held responsible is aware but not making any effort to rectify the situation with XXXX XXXX. We have notified Social Security and the FTC who both advised we make a Police report. Information of the order of the laptop computer reveals the name " XXXX XXXX e-mail : XXXX. His address reads : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. We have contacted our Visa Credit Card provider and made them aware. XXXX XXXXSynchrony Bank state they will take us to court for the incident, thus we will use this notification in part of our defense.
Consumer complaint received 2021-03-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (MD)

Fay Servicing , LLC, XXXX XXXX, Case Manager ( XXXX ) along his Supervisor, XXXX XXXX ( XXXX ) and their attorney, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Pre-Sale Manager, on XX/XX/XXXX @ XXXX EST ( 5mins 57 seconds ), refused to cancel the foreclosure date pursuant to : FOR HOMEOWNERS FACING FORECLOSURE The initiation of new foreclosures is prohibited until XX/XX/XXXX, pursuant to regulatory guidance issued by the Maryland Commissioner of Financial Regulation under the authority of Governor Hogans executive order XXXX ( which amended and restated previous orders issued on XX/XX/XXXX and XX/XX/XXXX XXXX. The order directs the Commissioner to temporarily suspend the Notice of Intent to Foreclose electronic system. This means that homeowners should not receive a document called a Notice of Intent to Foreclose from their mortgage lender or servicer between XX/XX/XXXX and XX/XX/XXXX. If you received a Notice of Intent to Foreclose during this time period, please notify us by email at XXXX or by phone at XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-09-21
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. (CO)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, and XXXX 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 2018-04-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (TN)

Got a letter stating i owed a cell bill. I contacted XXXX and notified them i did not own this phone and this was part of ID theft. A short time later I received yet another bill from XXXX. I contacted them yet again to let them know that this was a fraudulent account. They ( XXXX ) told me i would have to obtain a police report which I did. Detective XXXX XXXX from the XXXX TN Police Dept., sent XXXX the copy of the police report. Sometime after that the fraudulent account was handed over to a collection agency in my name and put on my credit report. I have been fighting this going on several years now with no resolution to this matter. 4 years later I am still actively trying to get this removed from my credit report.
Consumer complaint received 2022-08-25
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Movement Mortgage LLC (KY)

Movement Mortgage is withholding my escrow closeout payment. They have 30 days to send this refund. I am now at 90 days of waiting. They state they sent 2 checks that were never received at a verified address. I then made arrangements for a direct deposit that was also never received. I then made the same arrangement again and have not gotten my refund. We did not use them for our current home purchase. I now believe they are intentionally withholding this refund.
Consumer complaint received 2022-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital one called to ask if I had inquired for a credit card on XX/XX/2022 I had my information stolen and fraudulent inquiries have been made ever since. 


The person that stole my identity goes by the name XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2021-03-31
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. (AL)

Equifax investigation has taken more than 75 days to investigate my initial dispute, and they have still have failed to respond more than 75 days later. I wrote to Equifax requesting an investigation to advise them of accounts showing Inaccurate, Unverifiable, and Incomplete on my credit report on XX/XX/XXXX. Equifax received and accepted through registered mail my dispute letter mailing dated ( XX/XX/XXXX ) and my follow-up letter dated ( XX/XX/XXXX ). To date, they have not done their duty as mandated by law. These erroneous errors are continuing to report on my credit report after multiple attempts to have them corrected. Under Federal Law, I also understand they are required to complete and notify me of their investigation results within 30 days, which I have given an additional 45 days due to COVID, which they have failed to provide me.
Consumer complaint received 2020-01-29
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: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service these accounts/ inquires being reported I made efforts to remove accounts/inquires from my file as they do not belong to me. These all are fraudulently placed on my file I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2022-10-05
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Navient Solutions, LLC. (NH)

This was a student loan with Navient originally opened by my Ex-husband ( apparently cosigned by me ) in XXXX or so. He died last year and instead of the debt being XXXX during probate it was passed to me. 

However, I previously declared bankruptcy and was approved for XXXXXXXX XXXX XXXXXXXX XXXX in XXXX. ALL of my personal debt and student loans were subsequently XXXX on XX/XX/XXXX and I was granted a XXXXXXXX XXXX XXXXXXXX XXXX XXXX. The monitoring period for my discharge ended on XX/XX/XXXX. 

When I disputed this with Navient in writing, they dismissed me offhand and re-affirmed the debt, decreasing my credit score by XXXXXXXX XXXX since XX/XX/XXXX and ruining my previously Exceptional credit rating of XXXX. Navient has shown a complete disregard of Court Orders and continues to harass, disparage and damage me.
Consumer complaint received 2018-04-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (VA)

I worked for a non-profit organization for 10 years, and tried several times to change my repayment to the Federal Loan Forgiveness program, but was with XXXX XXXX and then Navient, and was always told I didnt qualify. I have several classmates with loans from other lenders who have had their loans forgiven while I am still paying. 
In addition, I have been out of work for a year, and had my loans put in deferment when I should have been offered enrollment in the income based repayment plan. This was never offered to me. Now Im out of deferment and required to pay while still not employed. Im paying my student loans from my XXXX! When they should have been forgiven a year ago!
Consumer complaint received 2019-08-26
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)

XXXX XXXX COUNTY DEPT AND FAMILY SUPPORT DIV XXXX HAVE PLACED LATE PAYMENTS IN XX/XX/2019 AND XX/XX/2019 ON MY CREDIT REPORT THAT ARE NOT ACCURATE AND ITS AFFECTING MY CREDIT
Consumer complaint received 2022-01-07
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

Please remove these negative items from my reports it has been months and I have disputed these items multiple times and have not received any notice or anything it has been more then thirty days and I have been harassed from creditors and regards to debts that are inaccurate please look into this matter immediately I have did some research and there are clear violations from the fcra and fdcpa
Consumer complaint received 2022-08-07
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. (OH)

This complaint is about my personal information being inaccurate on my credit report. I've called XXXX, Equifax and XXXX about them reporting the wrong addresses on my report and they haven't resolve it and refuses to fix it. 

I am seriously concerned about the wrong addresses being reported and can also can jeopardized my identity or lead to Fruad if has not already. 

This is my fourth attempt trying to get these items removed. 
I wrote XXXX letters these dates XX/XX/XXXX, XX/XX/XXXX and I am sending a letter day and I also called them XX/XX/XXXX and they did not fix this issue.
Consumer complaint received 2021-03-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Business Bureau (IL)

In XXXX of XXXX I was billed {$920.00} for a debt that my XXXX advantage plan paid. I tried to reach out to the collection agency, they were rude and refused to help me or provide me proof of the debt upon my dispute. They have continued to negatively impact my credit even after sending my dispute in writing in XXXX and contacting them numerous times in XXXX, XXXX and XXXX. 

Thier blatant disregard and care for negatively effecting me thru my credit has created a hardship for me as this is the only negative on my credit report.
Consumer complaint received 2018-10-08
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: EQUIFAX, INC. (AL)

I disputed an unauthorized credit inquiry with XXXX XXXX XXXX. XXXX XXXX sent me a letter stating it would be deleted from my credit report and they have contacted Equifax and requested this unauthorized inquiry be removed Equifax did not. I mailed a copy of the statement that I received from XXXX XXXX stating this information should be removed. I received a response that the information is factual and will not be deleted.
Consumer complaint received 2021-03-30
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. (AL)

I am writing to dispute fraudulent charge on my account. I am a victim of identity theft, and did not make or authorize this charge. I am requesting that the charge be removed, and any finance and other charges related to the fraudulent account be credited as well, and that I receive an accurate statement.