davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-20
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. (NJ)

I put a freeze on my Equifax file following the data breach, as per recommendations, on XXXX XXXX, XXXX. 

I just received a letter dated XXXX XXXX, XXXX from Equifax stating that they were about to change my address from my actual current address back to my old address from 3 years ago. 

The letter stated I should contact them if I was going to dispute this. 

I called today and after several attempts and calls, was told they had no information on who was changing my address ( which creditor ) and that there was nothing they could do. 

I have not applied for any credit anywhere, I have no credit card debt, and they are informing me that my address is being changed to an address from 3 years ago, and they ca n't give me any information on how or why this is happening.
Consumer complaint received 2016-08-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

I opened a Citibank citigold account with a promotion code XXXX, which comes with a XXXX Miles. After I fulfilled all of the requirements, Citibank neglected to deposit the XXXX Miles into my XXXX account.
Consumer complaint received 2015-04-25
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A. (OH)

I paid off XXXX credit cards in full XXXX month. XXXX XXXX Bank and XXXX Citicard. Citicard is attempting to charge me interest this month while XXXX Bank is not. Is this legal? I paid XXXX days prior to the due date.
Consumer complaint received 2020-06-22
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: SYNCHRONY FINANCIAL (SC)

My name is Ms XXXX XXXX XXXX and my number is XXXX. 



There are 10 transactions for {$190.00} each that was made on my account that needs to be investigated because I DO NOT know this individual. 

I have been trying to get in touch with someone through PayPal about these charges before they reached my bank. The transactions seem to appear after XXXX in the morning when I'm in bed. I did not lend out my debit card nor authorized ten ( 10 ) transactions back to back for the same amount. This is not anything that is normal on my account and I can not reach a live person for assistance. I have tried and still can not get anyone on the phone to handle this issue which began early Friday morning. 

This fraudulent activity could have been caught if someone was available to assist me at the time that I caught the transactions. I would like to have the individual charged for stealing from my account but I don't know where to start and that is why I'm here.
Consumer complaint received 2021-01-19
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. (PA)

On XX/XX/2021, I noticed the following accounts on my credit report after previously informing the credit bureaus of the fraudulent accounts. Please assist me with this matter immediately. 

1 : XXXX XXXX XXXX ACCT : XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX
Consumer complaint received 2017-06-29
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with the interest rate
Company: Social Finance, Inc. (WA)

I 've repeatedly received offers from SoFi to refinance my student loans " with interest rates as low as 2.62 % '' " plus.. an autopay discount of 0.25 % ''. I have a credit score over XXXX, so logically, I should qualify for the lowest possible rates. When I go through the prompt to get a quote, I am only offered rates of 4.875 % or higher. I think advertising a rate more than two full percentage points lower ( XXXX  basis points ) is deceptive.
Consumer complaint received 2022-07-05
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 a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. This debt is not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report. 
In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify ( XXXX XXXX XXXX XXXXXXXX XXXX and tell them the debt is the result of identity theft.
Consumer complaint received 2017-06-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OH)

Went online to look for repayment options at the department of education website. While trying to apply for income driven repayment, I accidentally applied for a consolidation. The website still provided me an IDR form that I printed out at the time ( thinking I had just completed that part, not a consolidation ) and sent to XXXX to request the income driven repayment. XXXX responded within days of the request outlining the new payment arrangement and provided no indication that they were no longer servicing my loans. I went out of town for a week for my grandfathers XXXX ( can provide evidence through flight receipts and obituary ), when I returned home I had some mail indicating that fedloan servicing was now handling my loan and I had 10 days to reverse this. I was unable to contact them during that period, but attempted to contact them within 15 days to determine my options and figure out how I had made the mistake. I first spoke to a young lady that just kept repeating that she was documenting my complaint and that it was my fault for esigning and she ca n't help. I get transferred to a " supervisor '' who claimed he would file a request with the department of education to let them know my concerns and attempt to have the loan moved back to XXXX. He also advised me to send in the IDR because it was not likely the Department of Education would address my mistake by unconsolidating the loans. The IDR was sent to fedloan servicing in XX/XX/XXXX, stating I would hear back in 10 days or sooner. Took them more than a month to deny the IDR, siting first that they were missing " Page 2 '' of the IDR when I called. The rep also told me they " resolved my complaint '' as " unsubstantiated ''. This rep also claimed they did not send anything to the Department of Education as they had claimed. They did not contact me in regards to this complaint. Yesterday, they called me during work hours, after I asked them not to, to let me know the IDR was incomplete. This time, they claimed they were missing my income information. Keep in mind I sent them the same documents 2 times that were received and processed successfully by XXXX in a matter of a few days. Fedloan Servicing is clearly intentionally " missing '' documents to not allow students to enter repayment plans. Furthermore, I feel deceived regarding the consolidation in the first place. I feel like practices employed ( lying about contacted dept of ed, lying about what is " missing '' from the request, continued calls during work hours ) are unfair and deceptive in nature.
Consumer complaint received 2022-10-03
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'm submitting a complaint to all 3 major consumer reporting agencies. 

Equifax XXXX XXXX The accounts and inquiries in question are below. 

Equifax specifically has admitted to giving out incorrect credit scores to lenders. This has affected my credit worthiness with lenders for mortgage and auto loans. I demand for the accounts below to be removed expeditiously because of this error. 

XXXX XXXX - Acct # XXXX XXXX XXXX - Acct # XXXX Federal law states that information furnished on my consumer report has to be 100 % accurate. The account information for the accounts above across all 3 consumer reporting agencies are not 100 % accurate. 

Under the laws stated below, I demand to have the late payments/charge offs on these accounts removed from my consumer report. 

15 U.S.C 1681b ( a ) ( 2 ) - states that a consumer reporting agency may not furnish a consumer report without written instructions from the consumer 15 U.S.C 1681a ( 2 ) ( a ) ( i ) - EXCLUSIONS - states that a consumer report does not include a report containing information solely as to transactions or experiences between the consumer and the person making the report 15 U.S.C 1681a Section 602 ( a ) ( 4 ) - states that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Also, below is a list of inquiries along with the consumer reporting agency reporting them that need to be removed from my consumer report as they are not attached to any account on my consumer report and I have no recollection of these inquiries. I demand that these be removed as well. 


XXXX XXXX - Equifax XXXX - Equifax XXXX - Equifax XXXX - Equifax XXXX XXXX - Equifax XXXX - Equifax XXXX - Equifax XXXX - Equifax XXXX - Equifax XXXX - Equifax XXXX - Equifax XXXX - Equifax XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (NJ)

Company wrote letter advising HELOC was charged off. Also credit reported initially that way as well. Did not see copy to CFPB. 

Claim was for XXXX period damages coersion forcing modification of their HELOC to allow MOD of first to XXXX XXXX which they serviced. Refused reasonable short sale not advising XXXX they would be paid in full. 

Now they are again starting collection against us after advising they had done XXXX off
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I have sent a request to XXXX, Equifax, and I can not submit a dispute with XXXX ( due to always having error of submission for the past week ), a request under section 609 ( c ) of the fair credit reporting act to send me XXXX a copy of the original contract that I have signed from the creditors. I have not been able to complete any dispute with XXXX, they always seem to have problems with completing any type of dispute. XXXX is only doing what they like to do, which is submitting a request to verify if the account is accurate and coming back with the same message. I did not ask any of these credit agencies to verify with the so-called creditors, I AM ASKING THE CREDIT REPORTING AGENCIES XXXX XXXX AND EQUIFAX TO SEND ME THE ORIGINAL CONTRACT THAT I SIGNED WITH THE CREDITOR THAT YOU AS A COMPANY REQUIRED TO HAVE IN YOUR DATABASE ACCORDING TO FCRA SECTION 609 ( c ). IF YOU ARE CLAIMING THAT THESE ACCOUNTS ARE VERIFIED AND ACCURATE, BY LAW YOU ARE REQUIRED TO POSSES A COPY OF THAT CONTRACT.

I AM REQUESTING FOR THE CREDIT REPORTING AGENCIES TO SEND ME THE ORINIGAL CONTRACT UNDER FCRA SECTION 609 ( c ) from your database system.

I am requesting for proof THAT YOU ACTUALLY VERIFEID EACH ACCOUNT according to FCRA SECTION 609 ( A ) ( 1 ) ( A )
Consumer complaint received 2017-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (OR)

I tried to obtain the annual on-line credit report from Equifax. To check my identity, Equifax asked 4 questions about my finantial activity. None of the questions pertained to any of my financial transactions, but asked about loans I do not have. I responded " none '' to all their questions on the web form. It site then said my identity could not be confirmed and denied acces to my credit report. Many calls to the company only got referals to advertisements for their products. 

Equifax procedures do not allow you to contest fraudulent information unless you have a credit report, and you can not get your credit report without knowing the fraudulent information in it. 

In addition, a US government web site that refers to Equifax for identiy verification, also asked these questions about loans I do not have, and was therfore denied access.
Consumer complaint received 2022-12-15
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: ACIMA CREDIT, LLC (GA)

I attempted to contact the following companies in regard to Identity theft & fraud with the following accounts : XXXXCIMA DIGITAL FKA SIMP - Opened XX/XX/XXXX ..... Updated XX/XX/XXXX ... {$3700.00} XXXX XXXX XXXX Opened XX/XX/XXXX ..... Updated XX/XX/XXXX. {$4200.00} XXXX XXXX XXXX Opened XX/XX/XXXX ... ... updated XX/XX/XXXX, {$1900.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ... updated XX/XX/XXXX Balance {$14000.00} XXXX XXXX XXXX Opened XX/XX/XXXX... Updated XX/XX/XXXX, {$4400.00} XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XX/XX/XXXX, {$480.00} XXXX XXXX XXXX XXXX- XXXX XX/XX/XXXX... Updated XX/XX/XXXX, {$15000.00}
Consumer complaint received 2017-10-19
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. (GA)

I HAVE SENT IN CERTIFIED MAIL AS WELL AS NOTARIED DOCUMENTS IN REGARDS TO THESE FRAUDULANT ACCOUNTS AND HAVE BEEN IGNORED OVER AND OVER I HAVE SENT A AFFADAVIT FOR IDENTITY THIEF
Consumer complaint received 2017-06-29
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Navient Solutions, LLC. (NM)

Navient has breached it 's own verbal contract numerous times, and is now threatening default and lawyers. XX/XX/XXXX I was diagnosed with XXXX XXXX that forced me to close my business, created a separation from spouse, became homeless and forced to move to a healthier environment. <P/>I contact them many times via the only platform available due to homeless situation, email. Told them numerous times of the above situation, that I had no income but was spending meager savings to try and continue payments. I did so for a few months in XX/XX/XXXX until savings depleted. In XX/XX/XXXX I got part time work that did n't effect my XXXX, but left me with a take home pay under {$700.00} a month. Navient would accept nothing but a call, so had to find a phone to borrow for the call, thyey claimed " This call is recorded ... '' so, should have on file, requested Income Based Repayment, they complied and set a monthly {$50.00}, I have paid {$60.00} most months, and never missed one payment. Since the very next month after the first call, as well as another in XX/XX/XXXX, and on a monthly basis, they harass me stating " missed several payments, will go to default. '' I have never missed a single payment, sent numerous emails from a verified email address stating my income, employer, etc. ( No phone available. ) Only reply is continued form letters via email, " Several payments behind ... default, may turn over to lawyer ... call us ... '' I 've replied that I live in XXXX NM, phone N/A majority of time, FTC says verified email IS valid contact only to get same as above over and over. I 've researched Navient online and speaking to others via my XXXX work, and have found Thousands of complaints not unlike mine.
Consumer complaint received 2020-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

XX/XX/2014 balance {$41000.00} Called to dispute old balance from XXXX XXXX 's be removed from my credit file because it is affecting my credit worthiness. The files were not removed and now XXXX has the student loan files showing as closed and transferred still with the same balance of {$41000.00}.
Consumer complaint received 2022-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (CA)

I have charge of {$600.00} on my card on XX/XX/2022 that I never made and it was made before I received the card. Company has policy to remove and investigate and remove the charge immediately - its still there and I get transferred from one person to another on the phone. Just received request to pay this balance in 5 days even though it is not my charge.
Consumer complaint received 2020-10-07
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. (AR)

I have filed multiple disputes with this company to let them know that this card is not mine and they need to delte it from my credit report. I've sent multiple ftc reports and sent them in police reports to remove this account from my report. It is not mine and needs to be removed from all three credit bureaus
Consumer complaint received 2017-10-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (NV)

I had submitted my loan modification package to chase back in XXXX 2017. Until today I do n't have an answer of denial or approval. We had submitted all documentation required for the loan modification. and I just never get a chance to speak with someone. Always answering machines and rudeness customer service rep. Chase had changed our relationship manager over ten times so we ca n't never had a clear communication with anyone. Everytime a new relationship manager changes the story changes and we starting all over again. We are exhausted with the discrimination of background that we are receiving. I 'm XXXX and I feel discriminated and thus why Chase does what it does. 
My account with chase is clean, never defaulted and long time customer but chase seems that it 's ok for them to discriminate based on my background. I 'm reaching up to the authorities to investigate this discrimination issue and I will be contacting an attorney based on this issue. 
We are seeking a principal reduction so we can pay off the loan. I do n't have a job, I 'm sick with XXXX XXXX and I ca n't just take more headache from a company that does n't care about their loyal customers. So please help.
Consumer complaint received 2017-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Credit Karma (CA)

On Monday XXXX XXXX, 2017, I received an email at work from CreditKarma.com The email subject line read : Youve Got Some Tough Scores, XXXX Upon reading this, I immediately became concerned that my credit scores were bad/tainted etc. I have maintained a credit score of XXXX for some years. I logged on to Credit Karma to discover that indeed, my scores were at XXXX. 

Like many businesses, my work email is monitored and reviewed for compliance to our corporate policy. This monitoring takes place in our IT department. As a senior level employee, I was very upset that employees of my company saw this, and perhaps could have easily assumed that I was having difficulty with my credit. I attempted to contact Credit Karma and there is no phone/email/address for which to make this known.
Consumer complaint received 2017-10-19
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. (WI)

on XXXX XXXX XXXX I called Equifax to dispute a debt reported recently that was covered by my bankruptcy in XXXX XXXX. It shows the account open even though I paid it off. It also mentions my chapter XXXX bankruptcy even though it says I paid it off. I spent XXXX minutes and answered XXXX questions to verify my identity. After all of that which should have been more than sufficient, they asked me to fax them copies of my drivers license, passport, and copies of my pay stubs and my XXXX. This is unethical. I have submitted disputes with XXXX and XXXX and never before have I had such an invasion of my privacy. They only want the info to sell I already had verified m, y identity.
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I have submitted several letters to BOTH credit bureaus- XXXX and XXXX disputing this Account with ( XXXX  ) - name as reported to my credit report. They keep sending me a letter that this account was verified AND claims the it legally meet FCRA requirements but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account also shows a few incorrect information such as the ''date opened '', ''account status- ONE BUREAU IS REPORTING OPEN and THE OTHER IS REPORTING ACCOUNT CLOSED '', ''dispute status '' and ''date of last activity ''. NEITHER BUREAU IS SHOWING AN ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM BOTH BUREAUS.

This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. 

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account. 

BOTH bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against BOTH bureaus and ( XXXX XXXX I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.