davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (FL)

Reported that XXXX XXXX XXXX XXXX and XXXX loan service are both listed as the the creditor on my credit report this can not be. Please help me with this issue as EQUIFAX said that this is correct and investigation is complete and correct. Thank you so much.
Consumer complaint received 2022-02-25
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MS)

I received a response letter from Equifax. 
In the letter they continue to report my in-correct phone number. 

Equifax reports a wrong phone number XXXX. This is not my correct phone number Equifax needs to report my correct number. This is now my XXXX attempt to get them to correct this information. Please delete the incorrect information. 

My correct phone number is XXXX. I kindly and patiently am asking that they stop reporting this wrong information and correct my information. I am enclosing a copy of the letter that they have sent me today and I have circled the incorrect phone number in green.
Consumer complaint received 2022-02-25
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. (MI)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-02-25
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. (DE)

To whom it may concern, Under 15 U.S Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I never gave EQUIFAX any written consent to report anything to my consumer report. No Consent is identity Theft. A copy of the law is attached with this dispute letter. 

With that being said, I the consumer contacted Equifax on XX/XX/XXXX and spoke to XXXX ( Id number-XXXX ) which is the dispute center representative and the XXXX which is XXXX ( id number-XXXX  ). They both stated on a recorded line that are not deleting even with the laws presented to them. Equifax failed to comply with requirements of 15 U.S.C 1681b and responsible for an individual action/violation. I am sending dispute letter with the laws attached. Im requesting {$1000.00} for failure to comply. 


Under 15 U.S Code 1681n Civil Liability for willful noncompliance ( a ) IN GENERAL Any person willfully fails to comply with any requirement imposed under this sub chapter with respect to any consumer in an amount equal to the sum of_ ( 1 ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or Concerning the accounts listed below as a consumer Im demanding a deletion of this accounts.

Youll must delete these accounts within 4 days after receipt under 15 U.S code 1681c-2.

INQUIRY XXXX XXXX XXXXXXXX XXXX INQUIRY DATE : XX/XX/XXXX
Consumer complaint received 2015-10-15
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (WA)

While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX on or about XX/XX/XXXX on EQUIFAX credit file. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act XXXX XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately.
Consumer complaint received 2020-01-17
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: BARCLAYS BANK DELAWARE (TX)

Barclay US Credit Card division places a 26 % APR on credit cards ... ..these are predatory percentage rates similar to a " pay day loan '' rate. Also, whenever, you request a credit line increase from this company, they place a " hard credit inquiry '' on your credit report. 
I have 37 credit cards. All are at a XXXX balance. I have an XXXX credit score. Every " hard pull '' credit inquiry hurts my credit and stays on my inquiry with the bureaus for 2 years. 
This punishes a customer for asking for a credit line increase. Every other credit card company uses a " soft pull '' for credit line increases or history with the account for the purpose of credit line increases. I do not accept these " hard inquiries '' being placed on my credit file. I have a PERFECT record with Barclays on all 3 accounts with their company. However, I have 6 " hard pulls '' on my credit file for asking for credit line increases which have always been approved. But, I don't want or accept the " hard pulls ''. 
This action must stop. It hurts the consumer 's credit rating by doing a hard pull and stays on their file for 2 years. I've contacted Barclay but they state this is their SOP and it will remain this way ... .PERIOD.
Consumer complaint received 2016-12-11
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Enclosed is a letter I Sent to CAPITAL ONE registered and certified, I am over the games, lies, and deception. This is one of many posts, I have lawyers looking at the paperwork and I have already gotten some positive feedback, I will be posting the CAPITAL ONE employees with media as well as the issues in hopes to help others that been deceived by this careless illegal entity. They committed FRAUD, EMBEZZLEMENT, DECEPTION, LIED, STOLE and that is just a start. Not to mention destroyed my credit, work life and tried to have me XXXX
Consumer complaint received 2016-09-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (IL)

According to XXXX, a bill has been sent for collection, The bill was for an XXXX service that I never asked for, received, or paid. The case ( XXXX ) was filed with the Court Clerk, XXXX XXXX County, IL XXXX and dismissed for lack of evidence. A copy of the court transcript if attached. This bill never seems to die. It bounces from one collection agency to another even though the case is closed. My XXXX dropped almost XXXX points recently because this false bill was sold to another collection agency. I 'd like the error fixed once and for all.
Consumer complaint received 2020-01-17
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: KEYCORP (OH)

There was a fraudulent charge on my Key Bank Credit Card on XX/XX/2019. I notified the Key Bank the morning of XX/XX/2019 that this was a fraudulent charge of {$1600.00}, less than 8 hours after it was posted to my account. Key Bank informed me that I did not need to do anything else and they would notify XXXX since it was an online order. XXXX XXXX   continued shipment which was rerouted to a XXXX facility and picked up by someone who said they were me. 

I have been denied recovery from this charge by Key Bank because the initial shipment was to my house, which was changed by the thief who ordered using my information. All of this information was not relayed to me until 65 days after the product was ordered so I had no way to stop shipment or notify XXXX to cancel the order. 

Not only did Key Bank fail to protect my assets they essentially enabled this crime to happen by not acting in a fast an efficient manner, and further more have burdened me with this charge because of their lack of action.
Consumer complaint received 2022-02-25
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I recieve a alert from my credite product that i pay for ever month that a new account was reporting on my credite report. I look into it and this account showed up XXXX XXXX XXXX XXXX Account # XXXX and stated open Dtae XX/XX/XXXX for a amount of XXXX. I called in to XXXX and open a dispute on XX/XX/XXXX and came back verified on the XX/XX/XXXX so from what I see they didnt do anything to investergate now i want this account deleted from my account as soon as possible. I also have a problem with another account reporting wrong that account is XXXX XXXX XXXX account # XXXX this accont was not mines and reporting as charge off and 10 payment late and this is incorrect please have them to delete, Equifax is reporting Inquirier that are do to Fraud and they are XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, And XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2021-06-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (GA)

My situation began in XX/XX/2021 ongoing, amount in question a little over {$10000.00} accumulated during covid19 the national pandemic. I have made numerous calls to loss mitigation as directed with XXXX XXXX to workout post forbearance payments. There has been no attempt to assist based upon the terms and options available to retain my home.
Consumer complaint received 2017-02-22
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (MO)

I would like to know how does the credit bureau maintain your credit score. I paid off several credit cards last month and I see that the accounts are showing paid in full on my report. However, my credit score is extremely low and I recently tried to refinance my car and was given a higher than usual interest rate, which should have been the reverse since I paid off the majority of my loans and credit cards. I need to know how do the bureaus keep reporting low credit scores when it 's obvious the debts are paid. I have no collections, no judgements and few inquiries. I once read that credit bureaus make more money when people have low credit scores. If this is such, then the whole fair credit reporting act should be thrown out the window when Credit Bureaus are allowed to report inaccurate scores.
Consumer complaint received 2020-01-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NJ)

As I had trouble at first paying my student loans, I started paying them later than I ideally wanted to start. I got approved for a Income Driven repayment plan, because my salary isn't very high. Things were fine for about a year or two. I was paying every month and my credit was getting better. 

After I got married, my husband and I filed our taxes jointly for the first time. Then, without notifying me, Fedloans changed the automatic payment amount from {$120.00} to well over {$700.00}. They said it was because we forgot to renew our application for income driven repayment plan, since apparently there is an expiration date. 

Once applying it asked if we would be willing to share our IRS tax information. My husband and I spoke to at least 3 agents from FedLoan and said that even though my husband makes more money, he wouldn't be responsible for my loans. After they REapproved the income plan, they kept the amount at $ 700+. Then we called again and this time we got a different answer. 

" Right.. He isn't responsible, but you're still responsible to pay your loan and this is based off both of your incomes. '' So how can they tell me that he's not responsible, then a week later, say he is responsible. I haven't been able to pay these past 2 or 3 months and now they're damaging my credit again. 

Unfair and very dishonest. 

If anyone 's reading this, and they tell you that your co-signer won't be responsible, DO NOT LISTEN. They are not " legally '' responsible, but the only option they give you is.. your husband is responsible because his income is $ XXXX, XXXX.
Consumer complaint received 2022-02-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (TX)

I purchase products with XXXX using Affirm payment plan. Ive returned several items back to XXXX and also notified XXXX the items returned but Affirm hasnt updated the balance. I spoke to XXXX Supervisors XXXX who confirmed the new amount. Per XXXX they have notified Affirm and XXXX sent a text of the new balance on each loan. The problem is Affirm isnt updating my loan amount. They are making me pay the original loan amount as if I never returned anything. My loans should be reduced! Affirm instruct customers to contact the Merchant for refunds. Ive contacted XXXX but Affirm need to fix my loans.
Consumer complaint received 2022-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I'm XXXX XXXX XXXX, and I appreciate your taking the time to repair some accounts pieces of information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 XXXX  a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXXXXXX Balance : {$5200.00} ; XXXX XXXXXXXX Balance : {$13000.00}
Consumer complaint received 2022-11-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: DISCOVER BANK (NV)

To whom it may concern, Im contacting you to complain about Discovery Loans ' misleading loan process and to request a resolution that I deserve. 

On XX/XX/2022 at XXXX, I called Discovery Loan at XXXX ( XXXX ) XXXX to finalize my loan request to consolidate my debt after submitting an online request ( application number : XXXX ). In that conversation, I was informed that I was qualified for a loan and asked if I want to move forward with the loan process. I provided my consent to move forward as we agreed to use the loan to consolidate two of my existing loans with Discover Loans and pay off a couple of credit cards with the remaining amount, which was about $ XXXX. The loan specialist told me that I can enter the credit cards account information later online or via phone in order for them to be paid off. 

A few days later, once I gathered the information, I entered the cards account information online but received a warning that I needed to complete one last step. So, I called Discover Loans to finalize the process but I was told that they actually made a mistake, and Im not eligible for a new loan because I already have two loans with them and need to go through nine payment cycles for the latest loan I got with them in order to qualify for a new loan per their policy. I got that loan in XX/XX/2022 and the ninth payment is in XX/XX/2022, meaning that I am only a month behind. They told me they were going to look into if they could honor the loan or if they could remove the hard inquiry, which already impacted my credit score. 

After a few days, I had to follow up with them to get an update and I was told that they will not honor the loan and instead they will request to remove the hard inquiry from my credit history, which may take up to 40 days to process. I told them its understandable that the typical process to remove the hard inquiry from my credit history may take up to 40 days but its unacceptable for me to suffer the consequences of their mistake as my credit score is already impacted which complicated my financial plans and 40 days is too long for me to wait. I requested that they should honor the loan to make it worth to the damage on my credit score as well as interference my financial plans. 

Their actions and solutions are unethical and causes not only inconvenience but also harm to my finances and life. No individual or institution should be allowed to not fix their careless mistakes and impact on peoples lives. If the hard inquiry removal was immediate, I could accept it as a solution but given the length of it and its impact in my life, I dont accept it as a solution. The damage is already done and I need a better solution. Indeed, I request to be honored with the loan that I was originally told to be qualified. 

I look forward to hearing from you. 

Best regards, XXXX XXXX XXXX
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report nd Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

Account name XXXX XXXX XXXX XXXXXXXX, Account # XXXX Account name XXXX XXXXXXXX XXXX  Account # XXXX, Account Name XXXX XXXX XXXX XXXX Account # XXXX, Account Name XXXX XXXX bankruptcy XXXX Reference # 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 2022-02-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (FL)

Cases against the PHEAA ( FedLoan Servicing ) : Cases of Greed, Corruption, and Mismanagement. 
My Case : General seeming mis-mangagement was noticed as early as XXXX and XXXX when not all my 10+ loans were listed on my loan statements and on my online account-some were missing, which was misleading. 
My specific case of PHEAA is specific greed and corruption manifest by not sending me my annual ( or even quarterly ) accrued interest for most of the years the last 6-7 years, and automatically capitalizing the interest into the principal causing my overall student loan debt to jump over 100K, and then causing interest upon interest upon interest upon interest to accrue like a run-away freight train. 
The last accrued interest statement I received was in XX/XX/XXXX, and it gave me ( counting time in mail both ways ) essentially only 1 week 's notice to pay {$1700.00} of interest. I needed just 1-2 weeks to get these funds to keep from the capitalizing, but the argument of this case is that they were motivated by greed and wanted so much for the interest to be capitalized so that in the long run they would get more money out of me. This is corruption at its core, not in " good faith '' as the law requires. Its bad, its greed. 
So I filed a complaint with the XXXX XXXX XXXX ( USEd ). My request was to go back to XXXX and separate the interest that they wrongfully capitalized restoring my overall student loan balance and apply the next payment I made after that to the accrued interest. USEd must have sent the complaint to XXXX. I received a letter from FedLoan Servicing this past week and they refused to do this.
Consumer complaint received 2016-10-03
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY ()

Wells Fargo checking account, currently residing outside the US The bank has rejected the same transaction 4 times in the same week for the lack of sufficient funds, and each time billed me XXXX $ overdraft fees! they did this with every transaction. 

How is it an overdraft fee if the transaction was rejected? I understand if they financed the transaction they have the right to take financing fees, but this transaction is rejected, and as a result it kept coming back, with each time them charging me XXXX , the bank has charged me a total of XXXX $ of fees for the same transaction. 

I called the bank and they refused to waive the fees, how is it an overdraft if the bank did not allow the " draft '' and did not pay, but rather rejected the transaction, and why did the bank charge me each time it rejected it!