davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-10
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Peer Advisors, LLC (CA)

I tryed for over a year to get them to talk to me they said they NEVER got the paper work, ( here are a FEW dates i sent and how ) fax XX/XX/XXXX, emailXX/XX/XXXX, email XXXX usps cert XX/XX/XXXX. I was quitclaim the property on XX/XX/XXXX but sent power of Att. before that they for closed, sent to auction ( Did Not Sale ) i kept saying i wonted a short sale. Now it is XXXX i will be thrown off the property in 20-30 days ( i will go to jail so i can be herd by a Judge as i was never served and i will have ALL the news media there ) XXXX told me they will try to clean it up and sell it fast ( LOW ) as i know the home is TRASHED, Celink also charges for stuff they do not do. They lie and play games to take your Home-Land this type of loan is one of the biggest SCAM on seniors and the GOV. needs to shut them down
Consumer complaint received 2021-11-03
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. (AZ)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. The information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report asap. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the federal trade commission, please review the enclosed copies of the FTC 's Identity Theft Affidavit in regard to this incident. Please investigate these matters and remove the disputed items asap. 

Please remove these inquiries asap : XXXX - XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XX/XX/2021
Consumer complaint received 2019-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

XX/XX/2019 I requested a verification on three items listed on my credit report XXXX XXXX, XXXX XXXX and XXXX. I also request this information from the listed creditor. I received an update from XXXX, XXXX  and Equifax of one of the accounts being verified with no verification proof. The XXXX XXXX  account was updated as " not specified '' by XXXX. I reached out to the listed creditor only one replied ( XXXX XXXX/ XXXX  ) with a typed letter saying my account was verified with no official original documents. As of today I sent three letter to XXXX, Equifax, XXXX  and all creditors and haven't received verification based off the FCRA standards.
Consumer complaint received 2021-09-27
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. (DC)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Reports : XXXX XXXX-Balance $ XXXX Opened : XX/XX/2014 2014
Consumer complaint received 2019-11-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (NY)

I made a mobile deposit with two, nearly identical, weekly payroll checks. They informed me the following day, one or both were counterfeit, and my account would be closed in two weeks without any investigation into the matter. I attempted to inform them my sister is my employer, and both checks were authentic, but they didnt seem to care. They cancelled one check, and are holding the other for two weeks. My sister issued me two replacement checks, but one can not be cleared until WF releases the other supposed bogus check. Ive bounced three checks because of this overreaction, and Ive nearly been evicted.
Consumer complaint received 2019-11-10
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. (NC)

They agreed to accept {$140.00} as payment in full. I oaid them and now they are still saying I owe them {$140.00} on my credit report. The balance is XXXX and the account was settled. I do not owe them anymore money.
Consumer complaint received 2019-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Unauthorized credit inquiries : 1-Company named XXXX XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 



2-Company named XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

3-Company named XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

4-Company named XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

5-Company named XXXX XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

6-Company named XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

7-Company named XXXX XXXX XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

8-Company named XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

9-Company named XXXX XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

10-Company named XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

11-Company named XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

12-Company named XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

13-Company named XXXX XXXX XXXX performed an unauthorized credit inquiry on XX/XX/XXXX.
Consumer complaint received 2021-09-02
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC. (AZ)

DEPARTMENT OF EDUACATION/NAVIENT,, continues to ignore all proof of claims regarding a dispute for over 6 months now with no response what so ever as well as continuing to report inaccurate information ( FCRA Section 611 Part ( A ) ( 1 ) ). I may presume that no proof of the alleged debt, nor thereof, any such debt, in fact exist. XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I have sent countless registered mailings, made phone calls, and have disputed properly online. In addition, refusing and ignoring proof of claims, to correct my information on all bureaus credit sites. I now am PETITIONING FOR ARBITRATION. As the company continues to falsely report inaccurate information in collusion with these third party credit bureaus and XXXX XXXX XXXX XXXX, as well as trying to collect SAID " DEBT '' with unfair debt collection practices in accordance to 15 USC 1692.
Consumer complaint received 2019-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I requested that my Bankruptcy be removed from my public record. I show proof that the United States Bankruptcy Court does not furnish this information to the credit bureaus. I provided this to the Equifax and XXXX. They refuse to provide me with the information who reported this to my report and refuse to remove this from my report. I request that the Bankruptcy be remove from my credit report.
Consumer complaint received 2019-03-09
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: EQUIFAX, INC. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2019-11-10
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. (NC)

I recieved my credit report from XXXX and i immediately noticed my name. Was correct and the body of the letter was addressed to someone else. After going over it more closely this person has filed chap. XXXX bankruptcy!!!! I was wondering why my score was so low. I notified everyone of those at credit reporting agency. And nothing. I would like to pursue legal action against these credit bureaus because they have made it where i have to pay cash for everything anyways.
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

I have reviewed my credit report on XX/XX/22 via XXXX and I have noticed that there are inquiries listed on my credit report that I am unaware of and did not authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax has continued to allow XXXX XXXX XXXX to manipulate data on my credit report which has resulted in my credit score being dramatically affected in a negative way. I have multiple times disputed this with Equifax. The amounts of what is being reported as owed would change a few cents on multiple occasions making this account look as if it is recent when in fact the account is 7 years and 6 months old and should not be on my credit report anymore. As well as the payment dates have been manipulated. Both other credit bureaus have removed this account as it is too old to show on my credit report. Equifax removed it recently in the past 2 weeks and then put it back on my report. Equifax has been very uncooperative and refuses to see that this should no longer be on my report. Every time I have disputed this with Equifax my credit score has plummeted. They have penalized me every time this account was disputed. And my credit score again just dropped 120 points. A 7.5 year old account in now way should be affecting credit this adversely even IF it was still on my credit.
Consumer complaint received 2019-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Innovis (AR)

XXXX XXXX AND XXXX  ARE IN COLLUSSION TOGETHER, INTERFERING WITH THE FINANCIAL CREDIT APPARATUS, OR TRIANLE, CONSUMER, CREDITOR & CRA. XXXX XXXX MUST CONTACT XXXX   TO UN BLOCK OUR CREDIT FILES IN ORDER TO RE-INSERT LOAN NO.XXXX, GET A FORM TO RE-INSERT.
Consumer complaint received 2020-08-28
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NY)

Spoke to XXXX XXXX over 10 times since XX/XX/XXXX. They said they were going to remove this negative information of my credit report because it was clearly not my fault. XXXX   canceled my Auto payment and my manual payment because there was a lapse on their system when you extend a lease. I did my part on ensuring my payment was made however do to a lapse on their online system my payments were canceled. I was reported late 30 days for the month of XXXX although I clearly made payments and received confirmations for those payments. They gave me multiple reference numbers however all they do is give me the run around. They are causing me extreme hardship because of the negative impact on my credit report causing me to not be able to get a mortgage. One of their reference number I received from XXXX is XXXX. My auto payment was canceled XX/XX/XXXX and my manual payment was canceled was canceled XX/XX/XXXX.
Consumer complaint received 2019-06-05
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (CT)

I am trying to obtain Parent/Student Loans for my XXXX sons entering college this fall. I was DENIED because TSI has a hold on this account. I called them on Friday, XX/XX/XXXX. They said I owed {$340.00}. They told me this was part of the US Treasury Debt. I said I had paid this debt in full and will attach the documentation. They said this is just the interest left over. They said I still owed {$340.00} on Friday, XXXX XXXX. Blindly, I paid this amount via my debit card to TSI in  full. TSI said once they receive payment, I would no longer have any further penalties. They also said to check on Monday, XX/XX/XXXX to make sure that my payment cleared. 

This situation started because I owed the US Treasury and HUD {$230000.00}. On XX/XX/2019 I was told by Treasury that if the debt was paid in full I would not receive any further penalties and interest. The law firm paid the debt in full. The documentation attached, the Certified Check, will prove this was paid. The check had to be sent to Treasury no later than XX/XX/XXXX. It was at Treasury on Monday, XX/XX/XXXX. 

The bottleneck is at Treasury. The Treasury has not cleared the check. Today is XX/XX/XXXX. TSI is continuing to bill me interest. This is not something I can control. And, it is not fair that I am being charged MORE for something that I am not causing. 

Further complicating this issue, is on Monday, XX/XX/XXXX when I called to see if my payment cleared, TSI said it did. However, more money is due. WHAT? They now claim I own an additional {$170.00}. It feels like ransom. The Treasury check isn't clearing so TSI is still charging. 

I have been getting phone calls and hang-ups from the NJ phone number ( XXXX ). It's harassment at this point. They won't listen to reason. The folks on their side have no clue how to explain what's happening. I have been talking to many people at TSI and no one seems to understand the issue. They are completely incompetent. When I asked them to show me the Burden of Proof of Debt they  were stumped. I figured out what the issue was and asked them to see if the Treasury check cleared. Sure enough ... YES, that's the problem. It's because the Certified Check for {$230000.00} hasn't cleared! And now TSI thinks it's ok to continue to charge me for something I can not control. I have done EVERYTHING Treasury has asked me to do and TSI has asked me to do as well. I am beyond frustrated.

I have two sons who need their Parent/Student loans and this company, TSI, is hindering this process. My children and I should not suffer at the hands of people who are completely incapable of understanding the situation I am faced with and incompetent in doing their jobs. 

Please advise.
Consumer complaint received 2019-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (WA)

On XX/XX/19, I receive a voice mail from Juniper World Mastercard XXXX. The message stated that there was a review of my account and they placed a credit on my account due to an error they discovered in said review. They told me to call XXXX if I had any questions. 

I looked at my account and it posted a credit of - {$5200.00} on XX/XX/19 called " Finance Charge Credit ''. I called XXXX on XX/XX/19 to ask questions about this and the only things they could/would tell me is that the credit was due to an APR finance charge error on my account that happened been going on for " years ''. They wouldn't tell me how long it was going on. 

This is a huge credit, which is nice, but it seems like they are trying to do this under the radar because I received no email or written letter explaining any of this and I don't know if this credit is accurate at this point.
Consumer complaint received 2019-11-09
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: SYNCHRONY FINANCIAL (NJ)

I received a notice on XXXX/XXXX/2019 that my 13 month CD account auto renewed for 13 months. 

I was never notified that the account was going to roll over, and it was never made apparent to me at account opening that the account was on an auto renewal. 

I spoke w Synchrony on XX/XX/2019 as soon as I received this notice that the account auto renewed. Synchrony is insisting I must pay a {$500.00} penalty to close the account. 

Synchrony claims they sent a notice of auto renewal on XXXX/XXXX/0219. This notice was never received. This money is badly needed for some immediate expenses that were planned with the expectation of this money for many months in advance. There is no scenario in which I wouldve wanted these funds to rollover, I fully expected the funds to be returned at maturity of the 13 month CD.
Consumer complaint received 2021-11-03
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. (GA)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The EQUIFAX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : 1. XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; 2. XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; 3. XXXX XXXX Inquiry Date XXXX. XXXX, XXXX ; 4. XXXX - CARD SERVICE Inquiry Date XXXX. XXXX, XXXX ; 5. XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX ;
Consumer complaint received 2019-11-09
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: EQUIFAX, INC. (FL)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Verisk Analytics Inc (WI)

I have been battling with XXXX and LCI since XXXX regarding their refusal to 'freeze " the consumer report they each have on me, which per the FCRA I am entitled to do. I have also been battling with them regarding a Bankruptcy they each have listed within the consumer profile they have on me. 
LCI and XXXX both claim they can not and will not freeze my consumer information. Furthermore, I believe they have committed fraud to violate the FCRA and violate my consumer rights. 
When first addressing the Bankruptcy they have listed, they first claimed the information came from XXXX and XXXX XXXX. Upon notifying them that XXXX XXXX did not have a bankruptcy listed they then claimed the furnisher was XXXX. XXXX maintains the information/furnisher is LCI. 
When pressed further, each company claimed that the information came from the other. With each piece of evidence I sent to them, proving that their verification and supposed furnisher was false, I would get a different excuse which violates the FCRA to delete if the item disputed can not be properly verified. 
Most recently both XXXX and LCI both claim that now the information and/or furnisher of said bankruptcy came from the Courthouse and/XXXX. I proved this was not true by contacting the Courthouse and XXXX. I have letters and email from each entity claiming they do not report to third party reporting agencies nor do they report to credit bureaus. Furthermore neither XXXX or the Courthouse confirm a Bankruptcy. I also have an email from XXXX stating they do not list anyone 's full social security number. 
However LCI and XXXX both maintain the Courthouse and XXXX as the verification and furnisher. This is after all of the previous different entities they falsely claimed were the furnisher. XXXX further violated my consumer rights by sending me a supposed voluntary petition that they fished from the XXXX XXXX which is not a legal form if verification since I have the email from XXXX stating full social security numbers are not listed in their system. Furthermore, fishing of information that can not be verified violates the FCRA and my consumer rights. A Bankruptcy can not be verified when neither the courthouse or pacer report to agencies, do not confirm information and do not list full social security numbers. 
LCI has lost several lawsuits recently for these practices I've mentioned. XXXX and LCI must comply and follow the law, yet they are not doing so. If XXXX is working with them or paying them then they should be held liable as well.