davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

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 15 USC 1681. XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number : 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 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. 1681s-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.
Consumer complaint received 2022-09-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

In XXXX of 2022, I contacted Mr. Cooper Home Loans which services my mortgage loan to see about having my PMI removed as home values have risen substantially within my neighborhood. At the time, they said I would need to do an appraisal or have substantial improvements. I chose not to act at that time. 

On XX/XX/XXXX of 2022, I contacted Mr. Cooper Home Loans as I got my tax bill which places my FMV at XXXX, which would mean an appraisal should come in at more than this and put me below an 80 % LTV and allow the removal of PMI. This time, they told me they would not even submit an appraisal without me proving that I had substantial improvements to my home. They could not give me a list of what this included other than things like adding square footage or replacing flooring. I have done improvements in the home but they could not tell me if they would qualify.
Consumer complaint received 2022-09-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (MA)

EdFinancial is purposefully delaying their refund process but stating refunds could take 6 months to a year for me to receive it. Meanwhile all other student loan providers are expediting the refund process. Not only that, but EdFinancial also refuses to send any sort of confirmation email. The person I spoke with on the phone also spread purposefully made it more difficult for me to request this refund by telling me how I wouldn't need to worry about it and asking for a refund wasn't necessary. I am waiting on a refund amount of {$2500.00} and it is disgraceful that it could take up to a year to get my money back. I requested this refund amount in XX/XX/XXXX and I wish to get my money back as soon as possible. 

I made my payments on XX/XX/XXXX and XX/XX/XXXX. I more than qualify for these refunds.
Consumer complaint received 2022-04-24
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. (MI)

Called several times to get income payment driven loan and always forced into forbearance as they presuded me this was the best option. My student loan was $ XXXX and now $ XXXX with the bulk of it forbearance interest.
Consumer complaint received 2022-09-20
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)

This is not suppose to be on my credit report. 


Ive hired several agencies and this shall be removed. 


XXXX XXXX -- - XXXX XX/XX/2019 Seems like this occurred pre covid.
Consumer complaint received 2022-06-06
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. (GA)

In accordance with the Fair Credit Reporting act XXXX the below accounts, 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 Sec. 1681a. Definitions ; rules of construction ( e ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Untitled { XXXX } XXXX XXXX. XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

Between XX/XX/XXXX and XX/XX/XXXX there was roughly XXXX used by my debit card in various places and in a row the bank could not show me any videos, I only use my banks atm not 3rd party. They said there was not enough evidence which is a false statement as they reimbursed me XXXX XXXX in XXXX but then took it back. I since changed cards, but my account money is still gone
Consumer complaint received 2022-09-20
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: U.S. BANCORP (NV)

Please note copies of emails comments available and in mail to you US BANK TOOK ACTION AND CLOSED ACCOUNT BECAUSE THEY DAID I MADE FRAUDULANT DEPOSIT FROM A LINKED ACCOUNT PAYABLE TO ME FROM MY OPEN XXXX ACCOUNT CHECKS RETIRNED UNPAID A MISTAKE FOR XXXX I HAD NO MOBILE DEVICE TO TRANSFER FUNDS ONCE FOUND MISTAKE I IMEDIATLY CONTACTED AND TRIED TO DEPOSIT CASH TO TAKE CARE OF OVER DRAWN ACCOUNTS ENDING IN XXXX & XXXX A MANAGED SENIOR ACCOUNT US BANK REFUSED SUCH STATING ITS IN CLOSED STATUS AND ALL DIRECT DEPOSITS AS WELL BRANCH DEPOSITS A XXXX US Bank took retirement Social Security income mine as well as my mother 's a XXXX XXXX XXXX XXXX senior accepted direct deposits not to mention my retirement deposit satisfied overdraft held the re remainer of available money over {$3000.00} dollars as of now 1 month laspe still not received please refer to comments and interoffice correspondences XXXX personal not from associate XXXX XXXX and XXXXXXXX XXXX  after review you will ser astonishing remarks about there position and there lack of power to correct not to mention the higher s lies to the response PLEASE EXSCUSE TYPO ERRORS AS IAM XXXX AND DO TO LACK OF FUNDS AND UNABLE TO UPGRADE IAM WORKING OFF A 4 INCH SCREEN XXXX
Consumer complaint received 2022-06-25
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX and XXXX 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-09-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Total Card, Inc. (NC)

I am trying to close on a house and over the last year, I have been repairing my credit. I called XXXX XXXX because my lender saw a collection on my credit report that was charged off. When I called the first two times, I was told that i must have the wrong credit card company because there was no record of my collections account there. I had my lender send me a screenshot of what they were seeing and sure enough, it was an account with XXXX XXXX. So I called back and asked to speak to a manager. Finally a manager was able to verify my collection account and got me over to XXXX  in Loss Mitigation. XXXX verified my account and I offered to pay it in full IF they would send me a {$0.00} balance letter THAT DAY for my lender. She said I would get one emailed to me immediately because the payment will trigger that automatically. So I paid the account in full- {$410.00} paid XX/XX/XXXX acct ending in # XXXX XXXX XXXX  Payment Confirmation # XXXX I asked when I would receive the letter and again, XXXX said to give it XXXX minutes and that if I didnt get it, to call back. Didnt get the letter over an hour later, so I called back and asked to speak to XXXX I was told no one could send me to her and that, AGAIN, the account I just paid off, did not exist. I was hung up on 3 times before someone gave me to a manager and they got me over to someone who claimed to be XXXX manager. When I asked where the letter was, she said Oh well XXXX didnt tell you that it takes up to 2 weeks for your payment to post so you will receive a letter after your payment posts. I was furious. I told them I was going to lose my house if they didnt send me a letter ASAP. They said theyd try to escalate it. Well, I never received the letter and my first mortgage got denied. 

I have called back and disputed the account MULTIPLE times always with the same result. I have uploaded screenshots from my bank account where I paid the account in full, as well as the payment confirmation number, and the entire story and everything employee Ive spoken to to NO AVAIL. I even took to social media, emailed the CEO of XXXX XXXX and then finally, 3 DAYS BEFORE MY CLOSING, they responded to my credit dispute on XXXX and REPORTED MY ACCOUNT AS {$410.00} CHARGED OFF IN XXXX OF XXXX!!! I PAID THE ACCOUNT IN XXXX!!! THIS IS FRAUD AND THEY ARE RUINING MY LIFE!! MY FAMILY COULD BE HOMELESS BECAUSE OF THEIR CRIMINAL ACTS!! Im filing a lawsuit against them and they should be receiving a letter from my attorney this week but they need to be SHUT DOWN FOR GOOD!! Please help the public by investigating and shutting them down! They are a DANGER to the American people!!
Consumer complaint received 2022-06-25
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. (TX)

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

15 U.S.C. 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C. Section 604 A. Section 2 : A consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-09-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (LA)

Jefferson Capital , LLC has sent me a letter for debt collection that is not mine in the amount of XXXX for " XXXX Business Card ''. I nd ont have any business card with XXXX, nor have I ever received any communications before this letter stating I owed any amount. 
On XXXX I asked for documentation via letter to prove this change and I have not received any information from them On XX/XX/18 I noticed the debt collection hit my credit report on XXXX. I sent another letter to Jefferson Capital to remove this collection from my credit via letter.
Consumer complaint received 2022-07-28
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ACIMA CREDIT, LLC (IN)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

ACIMA DIGITAL FKA SIMP XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Consumer complaint received 2022-06-25
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (GA)

This report was made to the XXXX XXXX XXXX. 
On XXXX the mail was retrieved from our XXXX XXXX XXXX XXXX XXXXXXXX XXXX. ga XXXX retrieve opened envelope from citibank. 
inside of envelope a letter no of the citibank official letter head but had the code beginning at the bottom FRD which is the doj/fraud unit. 
it appears there is a possible operative within this unit and or someone within the postal service possibly switched out forms. the envelope contained a commercial it form and wanted writing samples and also requested tons of personal information. this is not legit. 
we will not be submit information which will cause us to have more fraud or accused of us of committing fraud by transferring signatures. 

furthermore, if citibank is attempting to be post-proactive like the other fraudulent mortgage companies, it's a lot bit to late! another admission of guilt! 


this is OUT OF CONTROL!
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MN)

I recently applied for credit and was denied, upon receiving a copy of my report I found the following errors 1.XXXX Account XXXX : XXXX 2.XXXX Account Number : XXXX 3.XXXX XXXX  Account Number : XXXX 4.XXXX Account Number : XXXX 5. XXXX Account Number : XXXX* 6. Account Number : XXXX 7. 42 U.S. Code 1320d Account Number : XXXX 8. 42 U.S. Code 1320d Account Number : XXXX 9. 42 U.S. Code 1320d Account Number : XXXX 10. 42 U.S. Code 1320d Account Number : XXXX 11. 42 U.S. Code 1320d Account Number : XXXX 12. 42 U.S. Code 1320d Account Number : XXXX
Consumer complaint received 2020-04-16
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP (PA)

I have four weeks if unemployment  sitting on Reliacard at USBank, however, I have never received a card. I have called and been placed on hold for 13 hours over the last few days. The phone calls are randomly disconnected after holding for hours. The only way to email them is if you have a card number. Please help.
Consumer complaint received 2020-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

FTC US Department of EDU total {$24000.00} XXXX  XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX  {$720.00} XXXX XXXX XXXX {$2200.00} US Dept. of EDUCATIO XXXX XXXX XXXX XXXX XXXX  Please remove these Inquiries ; XXXX XXXX XXXX, XXXX XXXX XXXX-XXXX accounts and XXXX XXXX  XXXX {$24.00} XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX , XXXX {$1400.00} XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX {$840.00}
Consumer complaint received 2022-07-28
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Equifax requesting that they correct this erroenous account being reported on my File because they have been doing nothing! This complaint is to follow up my previous cmplaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue the Credit Bureau for their willful non-compliance of the FCRA XXXX. Only if they chose to update and correct the account on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The account that should be corrected is listed below : XXXX XXXX Late Date XX/XX/XXXX
Consumer complaint received 2022-07-28
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I've been trying to correct some incorrect accounts on my credit report and my claims have being totally ignored by Equifax. I do not know what to think right now because they failed to respond to me and also failed to present me evidence. They lack any legal obligation or contract. I've never done business with them. Please remove quickly XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-28
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. (NJ)

Hello, I ask for payment history information for the below accounts as well as verification both XXXX accounts are mine. 

I received my credit report but you still haven't provided payment History for the following accounts. Please send me payment history information with copy of my last payment and proof of payment including date of first delinquency for the following account : XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX - XXXX I nee payment history and If you can't provide payment history & a copy of my last payment to these creditors please remove and delete these accounts. Thank you.
Consumer complaint received 2022-09-20
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. (SC)

I have sent a debt validation letter to XXXX XXXX and each time the company has failed to validate my debt. Instead the send a list of my medical records, which i know is a direct violation of the HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete all this information from my credit profile and cease all collection activities immediately. 

Equifax- 2 accounts {$130.00} and {$950.00} XXXX- XXXX account {$950.00} XXXX- XXXX account {$950.00}
Consumer complaint received 2022-09-20
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. (OH)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.