davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have been a customer with XXXX XXXX for about XXXX years. Ive always known they were problematic with there methods. Theyve been sued countless times. My issue with them is the way I was treated throughout the loan. I changed the car with XXXX XXXX XXXX who I also submitted complaints about. XXXX XXXX was in charge of letting XXXX know of the change and pay off. I submitted a contract to XXXX, XXXX, Equifax in order to prove such occurrence. I even uploaded it online to XXXX consumer and they were aware. Knowing all of this no one was willing to help me as a victim of fraudulent business. This occurrence was through no fault of my own or due to my inability to pay. I attempted to negotiate with them regarding the credit reporting aspect of it with Attorney XXXX XXXX. They were still unwilling to negotiate, I was forced to pay with out correcting or risk repossession. My credit got held hostage. About a year later the pandemic happened and I let them know I was undergoing financial distress. Again with no sort of assistance. I had to pay again with no correction or statements added to my credit reporting. The dates that must be changed are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The account was paid in full and I was told by a representative that I may be able to change the report when I made the full payment. It has not happened and I called later in order get that matter looked at and still my issue was not resolved. My time with XXXX consumer has been about paying them and holding my report hostage just so they get there money.
Consumer complaint received 2022-11-14
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. The list of the accounts listed below as violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

( XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX 

15 U.S.C section 604 A. States consumer reporting agency can not furnish an account without my permission.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer report ing agency the persons knows or has reasonable cause to believe the the information is inaccurate.
Consumer complaint received 2022-11-14
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. (AL)

I recently checked my credit report and discovered multiple billing errors. Billing mistakes under US 15. Code 1666 ( b ) is the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or credit extended to the debtor. a computation error or other accounting error made by the creditor on a statement There should be no late payments on these accounts because, as far as I can tell, the creditor did not give me a statement 21 days beforehand. Because these are obviously billing errors, I demand to see specific documentation from the creditor 's bank account proving that I failed to pay and were considered past due. The disputed accounts are listed below. 
XXXX XXXX  Account # : XXXX Balance Owed : {$1500.00} Date Opened : XX/XX/XXXX XXXX XXXX Account # : XXXX Balance Owed : {$7800.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2022-11-03
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. (TX)

I sent certified mail a dispute validation letter on XX/XX/2022 for an alleged debt for child support to Equifax in XXXX GA the credit bureau received it on XXXX XXXX. I called today XX/XX/2022 to inquire about the dispute letter to verify if they received and the agent I spoke over on the phone verified Equifax indeed received it XX/XX/2022 and he said an agent looked at the dispute letter and I asked what investigations are they taking to investigate and validate the child support debt that is on the credit report but he stated that the validation letter I sent to them does not specify the exact account in dispute but on the letter I clearly stated that it is an alleged child support debt that is the fact on the credit report but Equifax claims because it does not say Texas attorney general child support but the CHILD SUPPORT AGENCY are in contracts with the state and further more the CHILD SUPPORT AGENCY are single and when contracted with a state they are single and separate unit in the state, and Equifax by law have to validate the debt and verify and investigate the dispute and the agent refused to his job to investigate and refused to erase it from the credit report. Equifax are not investigating the dispute letter I sent to them and they need to there job.
Consumer complaint received 2021-12-13
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)

I have sent letters to XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. XXXX XXXX is the company that is reporting this to XXXX and XXXX. As well as XXXX XXXX is also reporting falsely. They removed it on Equifax but they were not able to remove it on XXXX and XXXX. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 


However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Consumer complaint received 2019-12-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (WI)

My new home mortgage was sold to a different servicer and the new servicer changed the terms and/or conditions of my loan. This is illegal. The initial loan servicer, whom I initiated the loan with is XXXX XXXX XXXX. XXXX  XXXX XXXX and I agreed the amount going towards interest only payments each month would be {$850.00}. When the loan was purchased to be serviced by Wells Fargo, Wells Fargo changed the amount going towards interest only payments each month to be {$1000.00}. I did not agree to this change and this is illegal to do.
Consumer complaint received 2022-11-14
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: HYUNDAI CAPITAL AMERICA (CA)

I purchased a lease with Hyundai in the city of XXXX California back in XXXX for a XXXX Hyundai XXXX  XXXX. I was around XXXX XXXX XXXX and paid the lease on time for 6 years straight. The Hyundai payments were XXXX a month. I gave a XXXX Hyundai XXXX for trade with a trade in value of {$6500.00} and also a {$2800.00} down payment for the somewhat brand XXXX Hyundai XXXX with that had just under XXXX miles. Because of my age and credit history I was taken advantage with a predatory lease! I was told that I would be able to purchase my car for {$10000.00} at the end of my lease, and if I didnt I would have to pay for wear and tare of the car as well as {$.00} a mile of excess use! When purchasing the lease they insisted on me purchasing the gap insurance they provided for just in case I didnt want to keep the car and had excessive mileage then it would cover what ever balance over the {$10000.00} it would take to purchase the car. This what lead to a higher payment to Hyundai per month! My perfect credit score allowed me to purchase this car and I was excited and wanted me to protect myself in so I thought! 6 years later with over {$23.00}, XXXX invested in paymentsnot including maintenance for the car plus a trade in we are in the pandemic and they would not allow me to purchase the car for what I we agreed the buyout would be! I couldnt not deal with original Hyundai XXXX that bought it from because they went out of business for bad business practices. The XXXX Hyundai XXXX  XXXX brand new value was {$23000.00} and after 6 years the value became {$18000.00} and the Hyundai would not honor the {$10000.00} value or not allow me a chance to make further payments to keep the car unless taking out a loan! They would not allow me to take out a loan because of going over XXXX miles in excess miles! With that the excess mile is now owed {$23000.00} which is the price of the car! Since then I have been backed in to a corner. Because of this my debt to Hyundai went from paid in full of lease to a inaccurate reporting on my credit report from owing nothing to owing {$14000.00}, and then over {$23000.00} in excess miles which is the price of the brand new Hyundai XXXX! I tried to settle the debt that I felt was of {$5000.00} which is the same amount I offered to give them as a down payment for the car at end of the lease and they said no they can only take {$18000.00}. They then sent me to collections with inaccurate reporting to an account that was maintained instead creating a new account for a new debt history that I never settled for. The collection company offered {$8000.00} pay off but I rejected it and they gave the account back to Hyundai where they wont come up with a reasonable resolution for a car that I worked very hard for to maintain and keep!
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EOS Holdings, Inc. (TX)

EOS CCA is inaccurately reporting me to collections. I satisfied this account back in XXXX and this collection agency actually deleted this account in XXXX due to me fulfilling my obligations. Please see the attached document showing proof of my final payments to EOS in XXXX. This account suddenly started to report on my credit again as of XX/XX/XXXX. This is a complete false reporting and EOS took advantage of me and my finances. Please delete this account right away!
Consumer complaint received 2022-11-14
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. (DE)

I have taken a look at my credit report which has caused some confusion. I used my social security number/card defined under 15 USC 1602 ( l ) to extend credit with XXXX XXXX to obtain a vehicle. I am a natural person, a federally protected consumer, and the original creditor defined under 15 USC 1602 ( g ). The vehicle which is subject to the transaction was used primarily for personal, family and household purposes. XXXX XXXX has engaged in extortion and racketeering activity defined under Title 18 Chapter 42. XXXX XXXX did not inform me on the cost of credit. I never received written adequate notice that sets for the pertinent facts for this consumer credit transaction which violates 15 USC 1602 ( k ). Congress makes it clear that consumer credit would be strengthened by the informed use of credit. The only decision I was given after the consummation of the transaction was to make payments without penalty which is a violation of 18 USC 880. The decision I made in connection to this transaction was uninformed. I, the consumer, have never been given the opportunity to direct that my nonpublic personal information should not be disclosed to nonaffiliated third parties such as XXXX, Equifax and XXXX pursuant to 15 USC 6802 ( b ) ( 1 ) ( B ). Nor was I given an explanation on how to exercise the nondisclosure option which is a violation of 15 USC 6802 ( b ) ( XXXX ) ( C ). XXXX XXXX and the consumer reporting agencies ' conspiracy against my rights is affecting my ability to operate in commerce. This is a violation of 15 U.S. Code 1. My consumer report does not include a report containing information solely as to transactions or experiences which means late payments are a violation of 15 USC 1681a ( d ) ( 2 ) ( i ). 15 USC 1666 ( a ) ( 2 ) I am aware that all extensions of credit are tied to my social security card and that the United States is obligated to all debts under 18 USC 8. XXXX XXXX has caused harm by furnishing inaccurate information on my consumer report. I am requesting additional clarification in regards to the billing errors under code 15 USC 1666 ( b ) ( 2 ) documentary evidence under 15 USC 44 includes books of account. According to 15 USC 1602 ( p ) XXXX XXXX does not have actual authority for such use of my credit card defined under 15 1602 ( l ) and I received no benefit from this unlawful transaction. Without lawful authority, by using means of my identification XXXX XXXX and the consumer reporting agencies are committing aggravated identity theft and attempting to collect on this account by extortionate means pursuant to 18 USC 894. Verified responses has proven that the consumer reporting agencies arent being impartial when it comes to respecting my right to privacy.
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Account Managers, Inc. (ND)

THIS IS ANOTHER ATTEMPT AT GETTING THIS ISSUE RESOLVED. XXXX XXXX & GRIMM COLLECTION ARE ILLEGALLY REPORTING DUPLICATE INFORMATION ON MY CREDIT. XXXX XXXX CLAIMS TO HAVE SOLD THE BALANCE TO GRIMM COLLECTION YET, XXXX XXXX IS STILL REPORTING A BALANCE. GRIMM COLLECTION IS ALSO REPORTING THE SAME EXACT BALANCE + INTEREST. THIS IS AN ILLEGAL DUPLICATE REPORTING AND HAS CAUSED ME FINANCIAL BURDEN AND FINANCIAL OPPORTUNITY ALL YEAR. I CAN'T MAKE UP THE TIME LOST FOR THIS MISTAKE NOR THE TIME IT HAS TAKEN ME TO TRY AND GET THIS RESOLVED. XXXX, XXXX, XXXX ... YOU ARE REPORTING A DUPLICATE BALANCE WHICH IS ILLEGAL. PLEASE DELETE BOTH ACCOUNTS MENTIONED ABOVE AND/OR RECTIFY THE BALANCE.
Consumer complaint received 2019-12-17
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: FACTUAL DATA CORP. (NY)

On XX/XX/2019, I was surprised to see on my and my husband 's credit reports that there's a hard inquiry from Factual Data. I called Factual Data to find out who ordered the hard inquiry. It turned out to be XXXX.

We applied for a refinancing loan from XXXX back in XX/XX/XXXX. The loan was approved, and we closed on XX/XX/2019.

I don't see a legitimate reason for XXXX to pull our credit without our consent almost two months after the loan closed.

These hard inquiries hurt our credit scores and make it look like we're seeking credit when we're not. I don't think it's right for XXXX  to do this without our permission.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (CA)

I have loans dating back to 2004. I have Signature Loans with XXXX XXXX Navient. I received bills before I was even able to graduate from school. Navient has not provided feasible payment options and my loans are growing exponentially.
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Checkr, Inc (GA)

I recently went through a background check with a company called checkr, XXXX uses them to perform background checks on their driver 's for employment I've updated my contact information and I provided them with my driver 's license and checkr refuses to accept my valid driver license. I've tried several times to give checkr my information but they refuse to take my driver 's license. they have an invalid wrong information on file. I told them several times that I am a XXXX  resident I no longer live in XXXX  here 's my valid driver 's license please use it when you do your background check.
Consumer complaint received 2016-11-04
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (ME)

When we filled out the loan paperwork they made us sign up for products and services we could not use -- homeowner 's and car insurance though we do n't own a home or car. They put my income as " Unemployment '' on the loan application even though we gave them our Social Security award letters as proof of income. They did not tell us our Social Security benefits are non-attachable income and that we could not afford the loan.
Consumer complaint received 2021-12-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-01-20
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. (AL)

I am XXXX XXXX XXXX XXXX and I submitted this claim myself and no third party involved. I XXXX XXXX XXXX XXXX, Natural Person and creditor. I submitted A FTC identity theft report to remove this fraudulent account XXXX. They received the FTC and told me it will be off on 24-72hrs. But I checked my credit report. Seven 30 days later and it is still on my report. According the Fair Credit Reporting Act 15 U.S.C 1681 Section 602. A block was suppose to happen within 4 business days after the date of receipt.
Consumer complaint received 2016-07-15
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA (TX)

I am an XXXX who recently finished my XXXX, no in XXXX. I had previously been in forbearance as I was unable to make payments in residency. I received notice XX/XX/XXXX that my forbearance period was ending. I then promptly signed up for an income-based repayment plan, as I wanted this to initiate before my forbearance period would end. I applied for a new XXXX plan ( the REPAYE ) and waited the requisite 14 days. I was rejected and they said this was because I was still in forbearance ( even though I had received notice it would be exiting ). I then had to submit a separate exit from forbearance application, and resubmitted my IBR plan application. This was not processed in time for the posted $ XXXX+ payment I could not afford ( off of a standard payment plan I was kicked to after being rejected from the initial IBR application ). In order to then avoid defaulting, I was forced to go BACK into forbearance, which recapitalized my loan. I was told that then, after posting a standard reduced payment, my IBR would go into effect. I did so ( twice actually over 2 months XX/XX/XXXX and XX/XX/XXXX ), and the IBR payment STILL was n't processed. For whatever reason, that initial Forbearance only applied for one month, so now I 'm looking at another {$2000.00} posted payment from my direct deposit. After calling yesterday and demanding to have my IBR application processed I was promised it would be processed that day, or the following, but it is still no done as of XXXX. Consequences of all of these delays : time ost on the phone, trying to followup on processes that should be performed automatically. Missing out on the interest reduction benefit of direct deposit ( they keep cancelling it so the {$2000.00} charge is n't pulled from my linked checking account ). I 'm also missing out on the opportunity to make my 120 qualifying payments for the public student loan forgiveness program. Finally I was recapitalized when I did not want to be.
Consumer complaint received 2022-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

Citibank issued a credit card to me after I applied for one. This card was allegedly sent to my mailing address on file. I never received the card. I checked my mailbox on the day it said it was delivered. The card was either taken out of my mailbox or was delivered to the wrong address. I have no proof that it was actually delivered. Someone else activated the card and started using the card on XXXX XXXX, the day it said that the card was " Out for Delivery ''. The card was charged almost 8 times at different stores within the 24 hours it had been activated. 

I'm very confused as to how the card was activated if they didn't have my social. It is my understanding that the last 4 digits of your social were needed in order to activate the card. I am very disappointed that Citibank has such loose security standards and that a complete stranger was able to activate my card. 

I have attached a picture of the bank statement which consists of charges that were not authorized by me. I have also attached the email notifying me that the card was out for delivery.