davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2021-06-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (AR)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2017-03-29
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (MD)

I make a modest income and it 's not enough to cover my mortgage and student loans. XXXX private loan already is in charged off status. Navient continuously sent me notifications that I had options if I called them. But when i did the only option i had was to pay my bill normally.
Consumer complaint received 2021-06-29
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. (MI)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2021-06-29
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: Navient Solutions, LLC. (PA)

There are late payments on my credit when I was granted a leave of absence and I was disputing charges as I received student loan and university failed to provide required courses for graduation and degree or transcripts
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: MoneyLion Inc. (NE)

I have sent several correspondences to Money Lion about an open end consumer plan asking for an audit trail of this consumer credit transaction on XX/XX/2021 so that I could dispute the validity of this debt. This transaction is hindering my credit report so I am hoping to check for any billing errors and to see if I was properly disclosed about the use of my credit both pursuant to 15 USC 1601 Truth In Lending Act.
Consumer complaint received 2022-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America closed my account recently because they said that my risk profile is no longer aligns with the banks risk tolerance. I call them several times but they keep on hanging up on me. I can get anyone to help me and I always get the run arounds whenever Im on the phone with them. I have a positive balance with them right ( over {$4000.00} with them ) and I need them to refund me. I also have over XXXX reward points saved up and they are being forfeited. I have been a preferred member with this credit card company since 1996. I have been in good standing with them even with the pandemic years. Ive been saving up all my reward points to take my wife to XXXX for our 20th anniversary and now they said I dont get to redeem the points anymore.
Consumer complaint received 2021-06-27
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. (MO)

Since XX/XX/2018 I have been requesting an investigation into specifically 3 accounts XXXX, XXXX and XXXX XXXX and have been unsuccessful. They updated n XXXX just updated the report but provided no documentation or status update. XXXX should not be showing collections or late being that I was successfully enrolled in student loan rehabilitation program which should now be showing paying as agreed and NO LATE PAYMENTS. Also XXXX XXXX shows sooo many decrepancies. The last activity is different with all 3 bureaus which reages the debt. Also the account numbers are different. They furnisher is clearly not following the METRO 2 COMPLIANCE therefore grounds for the bureaus to delete this account. The burden of proof is on the bureaus at this point. Please remove credit acceptance from my credit report.
Consumer complaint received 2021-06-28
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: EQUIFAX, INC. (NY)

XXXX I called equifax to have a credit report freeze removed. After waiting 1.5 hrs I was connected with a representative and asked to upload my license and SS Card. There was an issue on thier end that would not take the upload. I was told to send a fax with the information which I promptly did. I was told it would be 3-5 days to have the credit freeze removed however it has never been removed. 

Today I received a code via mail to signup for myequifax to remove the freeze myself however I get an error that says " We are temporarily unable to complete this request. '' I can get no help from equifax to fix this issue. I'm attempting to refinance my house and can not without the freeze removed. Can equifax just keep putting me off and not fix this? Is this legal?
Consumer complaint received 2015-06-22
Product: Consumer Loan — Personal line of credit
Issue: Managing the line of credit — 
Company: NAVY FEDERAL CREDIT UNION (MD)

I paid off a Navy Federal Loan on XXXX/XXXX/2014 in full, yet Navy Federal is reporting the current loan status past due XXXX days. I am requesting Navy Federal send an corrected update to the XXXX Credit Reporting agencies ( XXXX, XXXX, XXXX ) to reflect the correct status as " Paid and Closed ''
Consumer complaint received 2021-06-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

Paypal closed my account for no reason and will not help me with geting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for weeks but I just remembered I could file a report on here as I feel they are not doing their job properly and it effecting me a great deal as i used paypal quite frequently. My email linked to my Paypal is XXXX.
Consumer complaint received 2021-06-28
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. (CA)

XX/XX/XXXX : -When applying for credit cards, I was denied by multiple lenders. These lenders stated were not able to verify my credit/identity information because they could not access my Equifax/XXXX Credit Report. 

-I attempted to access my Equifax/XXXX credit report online, but was unable to access it, despite answering all identify verification questions correctly. 

-Equifax/XXXX required me to request my credit report by mail, and asked me to send sensitive personal information via mail. 

XX/XX/XXXX : -I am still unable to access my credit report online with Equifax and XXXX
Consumer complaint received 2021-06-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX are reporting 25 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2021-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NC)

I have called an company called XXXX for business credit reporting. XXXX have went over everything that is wrong with my report they said that EQUIFAX BUSINESS is reporting everything wrong even XXXX XXXX XXXX of a different business which is a HUGE VIOLATION AND ALSO THEIR REPORTING WRONG ADDRESSES.. I contacted Equifax business and spoken to several people because they keep saying they will send me a business credit report and they haven't its been a long time now over 2 months ... i called so many time to request it and they keep giving me the run around ... I kept telling them that their reporting someone elses information thats not mine ... The Codes are wrong far as XXXX XXXX, ADDRESSES ARE WRONG THE TRADELINES ARE SCATTERED WITH DIFFERENT ADDRESS ... ITS REALLY STRESSING ME AND HOLDING ME BACK ... THIS IS A SERIOUS VIOLATION ...
Consumer complaint received 2021-06-28
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. (MO)

I'm demanding that these accounts be removed from my credit files. The following accounts are not mines nor have I ever did any type of business with these companies. If the credit reporting agencies do not remove these unauthorized accounts then I may be forced to take suit, however hopefully it can be resolved here. 

1. XXXX {$1700.00} 2. XXXX XXXX {$780.00}
Consumer complaint received 2021-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (CA)

On XX/XX/2021 I tried accessing my Chime Account and it didnt allow me access stating my login info wasnt correct, I then emailed them I was having trouble accessing the account they then replied my account was suspended due to them needing information about where my funds come from that were deposited into my chime from my ( XXXX XXXX, XXXX, and XXXX XXXX  ) they stated I needed to provide My ( ID, Explanation, Documentation ) of the transactions from these other platforms, I then called to speak with a representative to confirm this is what was needed and they stated they didnt have a call line to speak with fraud department and could only speak with them via email, I then complied and did so via email as I was instructed to do so the rep assured me this would resolve the issue which it didnt and they sent another email stating I now needed to send them these documents ( Picture of myself holding my ID Card, Social Security Card, and Statements from ( XXXX XXXX, XXXX, and XXXX XXXX  ). I then reached back out to them asking my this information wasnt disclosed in the email in the 1st place they then told me they couldnt release my account or funds until I did so or my funds would continue to be held my them until I provided those documents and personal information.
Consumer complaint received 2022-08-04
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. (NJ)

EQUIFAX keeps reporting items that I gave no consent to and I demand that they be removed..They were never given permissible permission and according to 15 USC 1681a 3 & 4 that is a violation.. 
Bank XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-12-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: GREAT LAKES (CA)

I request debt validation. 

I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ). 
Documentation or proof showing my liability toward this account, such as a signed contract corresponding my Social Security number with my signature.
Consumer complaint received 2021-06-28
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. (CA)

I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.
Consumer complaint received 2021-06-28
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: WELLS FARGO & COMPANY (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-06-28
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: Affirm Holdings, Inc (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2016-06-13
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (FL)

XXXX credit card accounts I had with Chase are still being reported in error as charged off with a balance owed when in fact they have been canceled and I have already included the cancelled debt as income on my federal taxes and paid any taxes due on that income. 
I received XXXX XXXX forms along with form letter XX/XX/XXXX. The both XXXX has event code XXXX. According to the IRS, code XXXX is used to identify cancellation of debt as a result of a decision or policy of the creditor to discontinue collection activity and cancel the debt. The form letter states " We recently cancelled an unpaid debt on your account ''. 
To this date I have been unable to get Chase to update the information on the credit reports for XXXX, XXXX and XXXX. As a result of their inability to properly update my credit reports I have been denied a car loans.
Consumer complaint received 2021-06-27
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. (PA)

The unverified items remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.
Consumer complaint received 2021-06-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

On XXXX, I received a letter from Mr.Cooper stating my flood insurance has lapsed and I must provide flood insurance. I have flood insurance escrowed in my monthly payments and they have paid this insurance every year since they bought my loan from XXXX XXXX XXXX. 
PLEASE REFERENCE : XXXX cfpb complaint from me about Mr.Coopers XXXX XXXX XXXX XXXX behavior towards my situation. You folks helped me rectify that and I am thankful. NOW they are attacking me and not paying my flood insurance, I am sure forced coverage will be put on my loan shortly at an extremely inflated price. All this is because I asked for your help to save my home from foreclosure.On XX/XX/2021 I called the customer help number, the woman, XXXX, said that they had paid the flood insurance dated XX/XX/2021, and she would email me the proof. I told her I was in their website and in the escrow section and no payment s were showing to have been made. she assured me they had been made, I waited on the phone with her making small talk for XXXX minutes waiting for the email, she had to leave the call and assured me it was coming. It never came, no proof of payment.PLEASE help me get thru this, I am looking at a refi but no one will do it until I have made XXXX payments after the forbearance, I have to get thru XX/XX/2021, then I am getting away from these scoundrels!!!
Consumer complaint received 2022-08-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL (SC)

On XX/XX/2022, we opened a checking account, in addition to our current high-yield savings account, but this account was only in my wife 's name. We transferred {$15000.00} total to this new account. This was done at the direction of the mortgage company to be able to gift funds for a relative 's home purchase. The following day, we scheduled a wire to the relative 's account. The bank called the relative and verified the accuracy of the account information. On XX/XX/2022 we received notice that access to both of our accounts was restricted ( no moving of money would be allowed ). The savings account is the account we use to pay our mortgage. After over three hours on hold, no one can release the restriction, tell me why the accounts have been restricted, or provide me with a better timeframe than 30-60 days for the review and release of the almost $ XXXX being held XXXX by the bank.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (NY)

Nordstrom is reporting inaccurate information on my credit report about being late. They are Reporting late on XXXX and XXXX and on time on XXXX.
Consumer complaint received 2020-04-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (VA)

I need to apply for mortgage forbearance from Wells Fargo but they have told me the following : 1. I will have to pay all missed payments on XX/XX/XXXX or at the end of the forbearance period 2. I asked for Wells Fargo to contact the mortgage investor to determine if I could add the missed mortgage payments onto the end of my mortgage loan. 
3. Wells Fargo refuses to contact the mortgage investor. 
4. Wells Fargo refuses to give me the name of the mortgage investor 5. Wells Fargo refuses to tell me if it would be possible to add the missed mortgage payments onto the end of my loan until the end of the forbearance period. 
6. The Wells Fargo representative told me that he was in the Office of the President of Wells Fargo and refused to let me talk to his supervisor or to give me any more information. 

It would be impossible for me to pay all missed payments in the forbearance period on XX/XX/XXXX if I can't make the payments now.
Consumer complaint received 2016-10-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc. (NY)

Nelnet is putting a student loan on my XXXX credit report that does not belong to me. This long must belong to a different person. Please verify social security number for this loan. I 've been trying to get this removed from my credit report and Nelnet, nor XXXX will not remove this loan that does not belong to me. They have also been sending me correspondence. My Social Security number is XXXX.
Consumer complaint received 2022-08-04
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. (SC)

I never gave written Pursuant to 15 U.S. Code1681 ( a3 ) .Equifax assumed a vital role in evaluating my consumer credit and other information about me. have a right to privacy. Pursuant to 15 U.S. Code 1681 - ( a4 ) Equifax didnt exercise their grave responsibility. Equifax was unfair, impartial and did not respect my consumer right to privacy.

Pursuant to 15 U.S. Code 1681b ( 2 ) I never instructed Equifax to create this report, and I never consented to this report. 
Please remove all accounts from my consumer report permanently. I am aware of the Equifax Credit Breach XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX,
Consumer complaint received 2016-11-19
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY (FL)

I have had a credit card with American Express since 2005. I had a limit as high as {$50000.00} at one point. After the economy collapse, my credit limit was slashed. I understood why that happened. I 've watched my interest rate increase including twice in one year. Again I did n't say anything. I extended myself buying and refurbishing a rental house including this card. Finally, when I was able to place a mortgage on my rental, I used the funds to pay off debts, including this card. I 'm consolidating and closing accounts but I wanted to keep this card. It was accidentally closed when it was paid off. I called and asked to have my account reinstated and it was denied. I was n't asking for anything more than I already had. I always enjoyed the great customer service so I also opened a savings account. I will be closing all my accounts. After treating a long term member that has never had a late payment the entire time like this, has caused me to re-evaluate who I choose to do business with.
Consumer complaint received 2021-06-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (OK)

I was XXXX in the begining of XXXX. My apartment was XXXX XXXX sometime in the middle of XXXX. My venmo debit card was stolen along with other things. I made a police report the day I was XXXX from XXXXl. I submitted the police report along with the papers showing I was in XXXX to venmo. I had nearly XXXX dollars in point of sales transactions and atm withdrawals all done while I was XXXX. There was no way I could make the purchaces.