davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-16
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. (IL)

Hi I am submitting this XXXX XXXX this isn't 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 719XXXX has me at a score around 590. 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 n 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 us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three 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 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-05-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (NJ)

My complaint is about an employee of Selene finance who came to our home in XXXX of XXXX and not only harassed my family but also went to my neighbors house and told my neighbors my personal business, we were eventually evicted from the home in XXXX of XXXX, the individual in question also worked as a realtor so he also ended up profiting from the harassment he endured! I made a complaint with the board of realtors that went nowhere.
Consumer complaint received 2022-08-09
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. (TX)

This is regarding Equifax breaching my Privacy rights and never giving Equifax written consent to receive or furnish my personal and private information. 
I have been effected by this coding error. 
They have erroneous and inaccurate accounts on the report that is effecting my livelihood and my reputation. 
They are violating their on Sharing data policy! I never gave them or any origination consent to report my private information. This is not a dispute! 
please see attachments. 
They have violated the FCRA, FDCPA the Graham Leach Baily Act
Consumer complaint received 2022-09-16
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (PA)

I wanted to start a savings account for a trip later this year, so I decided to open up with Citi bank in XXXX. at first, I put a little money which was {$10.00} after a week I saw the money in the account, so was like ok let 's put the rest of my money into the account which was {$4200.00} or XXXX I waited for another to transfer my money from my checking 's account to my new savings account. I saw the account, now I was like let 's save money every check. this is where the problem started. I'm honestly not sure about the dates and can not look at this because my account is blocked. I put {$300.00} in two times after that it goes through, after a week. I put {$300.00} from my checking into my savings. That didn't happen because it took a whole week for the transaction to be completed so I had insufficient funds when it was being processed, because I spent some of it both times. Next week I try to put the same amount of money into the account same thing happens. here comes XX/XX/XXXX my account is blocked I can't see my transactions, bank statements, cant take or put money in. I call my bank and give them my info, but they put me on hold and said ''we can't give any info on the reason why and you will have the remaining money in the account in 30-60 days in a form of a check. I call again a rep tells me to call their fraud line because they can't do anything further and it was up to them. I call the line she told me the same thing but hangs up on me. so I wait the 60 days now it's XX/XX/2022, and now and here we are, still locked out of my account and they have not sent the rest of my money that was in the account. I don't want anything else besides my money preferably before XXXX.
Consumer complaint received 2022-09-16
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. (PA)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX account # XXXX & XXXXXXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States i have a the right to privacy.

16 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2021-07-19
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. (PA)

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 
Today on XX/XX/XXXX, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX  is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2022-04-25
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: Experian Information Solutions Inc. (PA)

I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with consumer.
Consumer complaint received 2022-08-09
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: DISCOVER BANK (GA)

The inquiries and companies listed are unauthorized and unrecognizable. There is now a lock on my credit as well. 
-XXXX XXXX ; Inquiry Date XX/XX/XXXX -DISCOVER FINANCIAL SER ; Inquiry Date XX/XX/XXXX -XXXX XXXX ; Inquiry Date XX/XX/XXXX XXXX ; Inquiry Date : XX/XX/XXXX -XXXX XXXX ; Inquiry Date XX/XX/XXXX -XXXX  XXXX Inquiry Date : XX/XX/XXXX
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-09-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA (CA)

This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company is trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, its not mine.
Consumer complaint received 2022-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (CA)

My bank XXXX filed the claim with Wells Fargo almost a year ago. I had to file a complaint with the CFPB and get the XXXX XXXX team involved. Your bank cashed two checks illegally, which were forged endorsements and the funds were distributed to the wrong accounts. Check XXXX for {$13000.00} and check XXXX for {$5000.00}. Your internal claim number is XXXX. You need to resolve this ASAP, since this is your mistake accepting the money into the wrong account. 

In addition to this you also accepted a check yesterday that we caught early and you cashed. At least we caught this early and was able to get the payment reversed. This is unacceptable. How can your company accept stolen checks deposited to the wrong accounts.
Consumer complaint received 2022-09-16
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. (TX)

Personal Info Needs to be updates CRA refuses to do it through their system Correct Name - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-20
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. (MN)

My car was broken into and the thief took all my identification information and is now trying to open accounts in my name. I did not request anything from these companies.
Consumer complaint received 2023-04-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (IL)

On XXXX I paid my bill with Att off completely and CLOSED the account. I transferred all my devices to XXXX. XXXX had to unlock all my devices for me to switch them to XXXX network. On XXXX all my devices were activated on my XXXX account. My bill was paid to zero. If I didnt pay my bill owed they would not release my devices. They have now sent me to collection saying I owe them {$68.00} for my watch still being active on their services but it was not. Ive contacted XXXX back in XX/XX/2020 when they sent me a bill and told them that account was closed on XX/XX/2020 they said theyd fix it and apparently they never did. It is now on my credit report and I dont owe them nothing. The new creditor calls me all day harassing me. Ive told them I have proof and was willing to send it in. Theyre not trying to hear me. I need help getting this cleared up.
Consumer complaint received 2022-08-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TX)

Chase basically denied a claim that was literally two discharges on the same day as a fraudulent charge despite me not getting my card back the same day and they refused to reopen the claim after they failed to properly investigate it the first time and the second time they were so close to fixing it but let two charges stop them from successfully doing what they were supposed to do now I no longer wish to do business with this horrible example of a bank who doesn't take claim seriously enough to understand that information was omitted because they didn't know it at the time
Consumer complaint received 2021-07-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

On XX/XX/2021 I received a letter dated as of XX/XX/2021 informing me that due to a recent review, Citibank decided to close my checking account. They also mentioned that the account will be closed on XX/XX/2021 but my debit card will be canceled 5 days before that. 

They provided a phone number, so I called to ask why, without any response, they asked me to go to a branch and they would help me out. At the branch they told me they couldn't help because the account was already submitted to be closed. I called to the number they provided and told them that branch couldn't help so they gave me a number and a name of the person who made the decision to close. I've been trying to reach out to this person to ask her about the details of why they decided to close my account, without any success. I've been calling everyday since, leaving voicemail with my information, and never received a call back. 

Last Friday when I called customer service again to explain that I couldn't communicate with the person in charge of the decision, they suggested to go to a branch again since they would be able to help me start a cancellation process. So today, I went to a branch and spoke to an executive, she confirmed that there's nothing else to be done and that the decision has been made. She mentioned two important things in regards of the closing process : 1. Excessive flow of cash.

2. Business activity in a personal account. 

I asked her how much is excessive and she couldn't give me more details in regards of the amount nor the activity that is causing the closure. 

In the end, they are going to proceed with the closure of my account and I still don't know why. I use this account to send money to XXXX for personal expenses that I make on a regular basis ( as lots of people do ). I've been doing this for the last 10 years without any problem and suddenly they decided to close it and no one can give me a straight answer on what I did wrong. 

Also, worth to mention that the treatment that I received, from the executives I talked to in the branches, was very unkind, as if I were doing some sort of criminal activities and they wouldn't want to share any details with me. They just saw the letter and changed their attitude towards me.
Consumer complaint received 2022-09-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NC)

I submitted an Employment Certification Form ( ECF ) TO FedLoan for my employment at the XXXX  XXXX XXXX XXXX and XXXX ( XXXX, a XXXX XXXX XXXX  ) signed XX/XX/XXXX however I had the wrong EIN on the form. I mistakenly had XXXX but on my W2 the EIN is XXXX. This was corrected in the fedloan servicing system on XX/XX/XXXX and sent to DOE for a review. On XX/XX/XXXX FedLoan confirmed for me that DOE had approved XXXX, but FedLoan denied the ECF because my loan had already been forgiven ( XX/XX/XXXX ) I never received a written determination on the XX/XX/XXXX ECF. I was told verbally on XX/XX/XXXX that it was denied but written correspondence was not sent to me. I asked for them to manually override this and send a letter. None received to date XX/XX/XXXX. 

Including this APPROVED employer will change my forgiveness date ( currently XX/XX/XXXX ). Payments from XX/XX/XXXX through XX/XX/XXXX will count towards PSLF. A total of 44 more payments should be applied. This puts my forgiveness date as XX/XX/XXXX and entitles me to a refund from XX/XX/XXXX through XXXX of XXXX when COVID forbearance began. I spoke with XXXX # XXXX at Fedloan and she confirmed that the XXXX ECF should have been processed first and applied in full before forgiveness was applied. 

I have also been advised to submit this reconsideration by the Ombudsman as a means to resolve my complaint # XXXX. I did so on XX/XX/XXXX, case number XXXX. On XX/XX/XXXX I was told by XXXX at the Federal Student Aid Info Center that review was complete and to watch my email for the decision. On XX/XX/XXXX The Federal Student Aid Info Center sent me an email in response to my inquiry that said they are " Unable to see the documentation of the reconsideration. '' I have called several times and gotten the same response from numerous reps. This is odd as XXXX from that group told me in XXXX that it was resolved. 

This is critically important to me as I am a XXXX patient and have extreme medical bills. My situation, where forgiveness was applied before all employers were deemed eligible is a textbook case that should be eligible for reconsideration and all of it was due to one small error on an EIN. I do sincerely appreciated forgiveness. I am also concerned about the delay as the limited PSFL waiver is ending on XX/XX/XXXX. 

My account is still with FedLoan, not XXXX. FedLoan says the DOE must issue a new forgiveness date. 

FYI I resubmitted the XX/XX/XXXX ECF on XX/XX/XXXX as it has been almost a year and received acknowledgement that it was received.
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

There is a {$7000.00} charge off on my credit and XXXX  XXXX keep contacting me about this XXXX XXXX XXXX. I just received an email from XXXX XXXX claiming they were going to repossess the car. This vehicle was totaled in XXXX, and as shown in the attached photos both insurance paid out and GAP was paid to the lender, but they are still coming after me for a car that doesn't exist for money they were paid years ago.
Consumer complaint received 2022-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (MN)

Citibank just, without my approval of any kind, " upgraded '' my account to XXXX. I assume this was done as a sales tactic as their support can not move my account back to my standard Citibank account. XXXX forces minimum deposits on customer in exchange for nothing. I didn't ask for it and do not want it. I have tried to resolve this, several times, with support and they can not do anything.
Consumer complaint received 2020-10-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

I reached out to Equifax Small Business on the web and they say it is not available due to the website being down. I think it is because they are still fighting issues from being " hacked '' When I call the Bank that is reporting my companies credit to Equifax all they say is to go on line and file a complaint. The Bank is XXXX XXXX XXXX  out of XXXX XXXX, IN. I have asked them to clean up the fraudulent errors on my companies credit report and they refuse to help the situation. 

My Company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have been arguing with them for over 1 year on the fraudulent reporting of payments made. My loan is current and I am paying a high interest rate.
Consumer complaint received 2022-08-09
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. (NJ)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681.

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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


XXXXXXXX XXXX ACCOUNT XXXX