davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-13
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. (IL)

I had a load with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX. Phone # XXXX I was in a car accident on XX/XX/XXXX reported this to XXXX. I have XXXX insurance, which totaled the car on XX/XX/XXXX and XXXX agreed to accept the payoff amount from XXXX, due to remaining balance they will file a claim with XXXX. XXXX Claim # XXXX On XX/XX/XXXX XXXX letter indicated payment to lienholder will be XXXX and the remaining balance of {$2700.00} will be paid by XXXX XXXX, XXXX, ( which the insurance  department with XXXX email indicating that will be the next steps ). I received a statement from XXXX, dated XX/XX/XXXX requesting a payment from me in the amount of {$1400.00} and late fees in the amount of {$23.00} after the agreement with XXXX XXXX and XXXX is currently taking place. I called XXXX they are still expecting payment from me after they have agreed to the payoff from XXXX and will file the claim with XXXX for the remaining balance. In addition, they continue to report late payments to the all three agency after they agreed to the payoff amount. I 'm requesting my credit report be corrected and a letter sent to me from XXXX indicating this issue was resolved, so I may show this letter to other finance company when I apply for a new loan. The action of XXXX is hurting my credit score after they agreed to closeout the loan. XXXX still continues to collect money from me, XXXX and XXXX for a loan that was totaled by the insurance.
Consumer complaint received 2018-11-30
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. (GA)

I have written the 3 credit bureaus about the information that is contain into my credit report. I have been writing letters back and forth for a while now concerning the alleged student loans that has been inserted into my credit report. I have also provided a police report, I have also written the Department of Education, USA, XXXX XXXX, XXXX all of whom I am finding out that continues to past the baton to the next entity. I have asked for a record of account ( s ) so that I am able to see where this allege loan ( s ) went. All I have receive from Department of Education, XXXX was a bill. There has not been any original documents which is signed in wet ink by me. 
The time frame was during XX/XX/XXXX-XX/XX/XXXX. 
I have asked that this information be deleted from my credit file. The bureau ( s ) Equifax and XXXX have Deleted the information, then every 30 days or so after the dispute re-age the information which continues to affect my credit score. Information that is presented on the application is incorrect. Loans are being transferred and sold from one lender to the next. I have been following cases where XXXX XXXX, XXXX has been sued in court. I have also done my research that many of these students are insured by surety bonds, and the loans has been paid through the surety bonds and then the schools loan providers violates potential students. 

I have asked Equifax and XXXX not to put disputed items into my records, I have asked the bureaus to send me the contact person who was supposed validated the information that I have request without going to the data storehouse such as XXXX XXXX, XXXX. This is not properly following the law. The Student Loan providers are extorting money from people in general because if a loan has been defaulted, the lender takes out what is known as a surety bond that covers the loan. This is how loans are being then past or transferred over to another lender, then the lender comes after the supposedly student, and finally continue to report derogatory information on a individual credit report. This is damaging peoples credit.
Consumer complaint received 2018-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: EQUIFAX, INC. (IL)

Equifax has been non-compliant with removing the unverified account which has been XXXX XXXX XXXX deleted by XXXX   and XXXX. XXXX  and XXXX have both completed their research and determined that XXXX   XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2017-09-25
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. (NE)

Went to Exquifax website and put in my " last name '' " SSN '' and " birthdate '' and it report that they did not have a match for data submitted ... .So unable to enter the site and get free credit report of find out I 'm one of the 143 million people compromised! Help!
XXXX XXXX
Consumer complaint received 2022-12-29
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. (VA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-08-13
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. (KY)

Credit reports are showing a Chapter XXXX bankruptcy ... .new law as of XX/XX/XXXX,2017. This information is n't all there and should be immediately deleted
Consumer complaint received 2022-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CA)

I transferred my FFELP loans serviced by NAVIENT to DIRECT LOANS serviced by XXXX XXXX. I applied for this transfer ( re-consolidation from FFELP to XXXX ) on XX/XX/2022. The estimated payoff on that date per NAVIENT was {$110000.00} in subsidized loans and {$53000.00} in unsubsidized loans. NAVIENT received payment in full on XX/XX/2022 of {$160000.00}. {$110000.00} was paid to subsidized loans and {$53000.00} was paid to unsubsidized loans serviced by NAVIENT ( more than the amount stated when the re-consolidation was applied for at XXXX on XX/XX/XXXX ). Prior to transfer of these loans to XXXX XXXX these loans were in an XXXX payment plan. The payment amount was XXXX. NAVIENT now states, after the loans were paid off and transferred, that I owe NAVIENT {$92.00} per my conversation with them on XX/XX/XXXX. This is inaccurate. The monthly payment was {$0.00} under XXXX prior to the loan transfer/re-consolidation to servicer XXXX XXXX XXXX I do not owe NAVIENT {$92.00}. The entire loan amount held by NAVIENT was requested to be transferred to XXXX XXXX. No remaining amount should be held my NAVIENT. Moreover, NAVIENT was paid more ( additional interest ) than they stated the payoff amount was for these loans. The current interest rate on these loans is XXXX percent. Please assist with having this resolved as soon as possible. Thank you!
Consumer complaint received 2018-11-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK (VA)

XXXX XXXX XXXX , XXXX XXXX XXXX  XXXX, XXXX, VA XXXX This attorney has served me a warrant in debt with Discover Bank. I have not been given an opportunity to dispute, request verification, or settle if it is in fact owed. I do travel XXXX and work out of state and I use my parents home as my tax address. Upon contacting my mother, I have been made aware Discover Bank has harassed my parents home as well which I do not reside calling every 30 minutes daily for a period of time. I will be obtaining records of these phone call attempts made which is harassment under the FDCPA. I intend to countersue both the attorney and Discover Bank for violations under the FDCPA and damages for having to arrange to come home to appear in court while working as a travel nurse out of state if this case is not dismissed.
Consumer complaint received 2023-01-29
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account : has violated my rights : XXXX - XXXX - Late Payments 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2018-11-30
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. (GA)

After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. Police report was file with XXXX County Police Report # XXXX.
Consumer complaint received 2023-04-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc (VA)

Please refer to CFPB complaint # XXXX. This is my second part of my complaint for the second company involved in my dispute. 

Affirm Loan ID : XXXX ( disputed ) Affirm Loan ID : XXXX ( disputed ) I have made multiple attempts to dispute the above-listed charges through Affirm and XXXX. Both companies are pointing the fingers at each other. I do not want this to impact my credit negatively due to my security clearance.
Consumer complaint received 2018-11-30
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: CITIBANK, N.A. (FL)

XX/XX/2018 - I made a purchase for a new Automotible XXXX XXXX   from XXXX XXXX, XXXX via the company web site. I paid for 2nd day air since my vehicle was non-operational. 
XX/XX/2018 - I contacted XXXX XXXX, XXXX via email regarding tracking for my order, since I had not received it. 
XX/XX/2018 - After receiving no response, I contacted XXXX XXXX, XXXX again via email requesting cancellation of order. XXXX XXXX owner XXXX XXXX said my order would " NOT ship out today. '' XX/XX/2018 - Replied to XXXX XXXX telling him that the delays were unacceptable, and to cancel my order. 
XX/XX/2018 - XXXX XXXX owner XXXX XXXX emailed me 15 minutes after dropping off my package at the post office saying they shipped the product. I told him for the 3rd to time to cancel the order, and tell the shipper to deliver the package back to him. He refused to cancel the order. 
XX/XX/2018 - Disputed charge with Citibank after XXXX XXXX refused to cancel the order. 
XX/XX/2018 - Received a XXXX XXXX XXXX XXXX from merchant. 
XX/XX/2018 - Citi denied my dispute because, they claimed that I did not supply proof that I cancelled the order. 
XX/XX/2018 - I filed the dispute again, attaching EVERY email clearly showing that I did cancel the order as well as a signed letter from my mechanic stating that the XXXX XXXX that XXXX XXXX provided was " USED '' and was " DEFECTIVE '' ( i.e. it did not work. ) XX/XX/2018 - Citi denied my dispute again and said that I would need to deal with the Merchant now ( Who already told me I wasn't getting my money back even if I returned to used/defective product I purchased. ) My reason for filing this complaint with the FTC and the Consumer Financial Protection Bureau is two fold. First, after reviewing the XXXX XXXX XXXX report on XXXX XXXX, it is possible that XXXX XXXX is a con artist, and is running this scam on many customers, not just me. He needs to be referred to the proper authorities for investigation. Secondly, I do not believe Citi followed the Fair Credit Billing Act when I claimed, and proved that I canceled the order before it was shipped, and that the product I received was USED ( i.e. not as agreed ) and DEFECTIVE ( i.e. fraud! ) yet Citi still required me to pay for the used, defective item ( and the demanded that I PAY to ship it back to the merchant who never asked for it back! ) I have all documentation. All documentation was sent to Citibank. 

Given my experience, I recommend that consumers should avoid Citi and cancel any current accounts they have with Citi since they protect the merchant, not the consumer.
Consumer complaint received 2022-12-29
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: DISCOVER BANK (NJ)

My Name is XXXX XXXX, XXXX : XXXX was a fraudulent account and paid in full still shows in my credit report. 

XXXX XXXX XXXX : Nothing is due account was closed long back still shows negative in my credit report. 

Discover Credit  card was a fraudulent charges was paid and cleared up still shows up in credit report XXXX XXXX XXXX Never used never asked for credit card and they are charging me? 

XXXX card fully paid and current shows potentially negative and late payment? 

XXXX XXXX : is in good standing and never late still shows in my credit report. 

XXXX XXXX : Product was returned and confirmed with vendor servicing XXXX, however they are still charging me and sent for collection.
Consumer complaint received 2023-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Capio Partners, LLC (NY)

I have never had an account with Capio XXXX. They sent XXXX statements identifying themself as a debt collector for XXXX XXXX ; XXXX for {$990.00} and XXXX for {$640.00}. I have never had an account with XXXX XXXX. On XX/XX/XXXX I authorized my father to contact Capio XXXX. He contacted them on XX/XX/XXXX and spoke with XXXX # XXXX. We were promised a return phone call with information by XXXX est on Monday XX/XX/XXXX. My father did not receive a return phone call and further attempts to contact XXXX were futile. Derogatory reports appeared on XX/XX/XXXX and XX/XX/XXXX from Capio XXXX.
Consumer complaint received 2023-02-01
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. ()

I am a victim of identity theft please remove all the accounts that I have mentioned in the report as I have no knowledge in any of this, these do not belong to me and were never filed by me. Please help me solve this issue, Thank you.
Consumer complaint received 2022-12-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-09-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

I have a cousin who thinks they are entitled to my XXXX accounts. XXXX XXXX XXXX has stole over XXXX XXXX XXXX from my accounts. Stolen my relocation money from XXXX and is now trying to take over all my federal accounts. I need assistance in this asap. My number is XXXX. XXXX Accounts with Wells Fargo under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

I OBTAINED A 30 YR. FIXED MORTGAGE LAST XX/XX/XXXX. THEY INSISTED ON COMBINING MY TAXES AND INSUR. WITH MY MORTGAGE PAYMENT. I HIRED A TITLE COMPANY & THIS COMPANY RESEARCHED & OBTAINED THE CORRECT TAX FIGURES & SUBMITTED THAT INFORMATION TO WELLS FARGO. I HAVE PAID ALL OF MY MORTGAGE PAYMENTS ON TIME & PRESUMED THAT ALL WAS WELL. ON XX/XX/XXXX I RECEIVED A NOTICE FROM WELLS FARGO THAT MY ESCROW ACCOUNT HAS A SHORTAGE OF {$640.00} & THEY ARE INCREASING MY PAYMENT FROM {$480.00} TO {$560.00}!!! I WAS SHOCKED & BEGAN WONDERING " HOW COULD THIS HAVE HAPPENED? ". I HAVE SPENT COUNTLESS HOURS ON THE PHONE WITH WELLS FARGO, THE TAX OFFICE OF XXXX COUNTY, PA. & THE TITLE COMPANY & HAVE SPOKEN TO LITERALLY DOZENS OF PEOPLE. I HAVE BEEN LIED TO SEVERAL TIMES, BEEN GIVEN FALSE INFORMATION, AND MANY CONFLICTING STORES FROM DIFFERENT PEOPLE. HERE IS WHAT I HAVE DISCOVERED AS BEING WHAT ACTUALLY TOOK PLACE. ON XX/XX/XXXX XXXX XXXX XXXX SENT A TAX CERTIFICATION TO WELLS FARGO INFORMING THEM THAT THE SCHOOL DISTRICT TAX AMOUNT FOR THIS PROPERTY IS {$1300.00}. THEY ALSO SENT THE OTHER TAXES & THE AMOUNT OF THE MORTGAGE INSURANCE. 
AFTER I RECEIVED THE PAST DUE NOTICE & BEGAN MY INVESTIGATION I HAVE DETERMINED THAT WHEN WELLS FARGO CALCULATED MY ESCROW AMOUNT, THEY ENTERED AN AMOUNT OF XXXX. AFTER MANY DISCUSSIONS WITH MANY PEOPLE, THE ONLY STORY THAT I CAN GET FROM THEM IS THAT PERHAPS WELLS FARGO THOUGHT THAT MAYBE ... POSSIBLY ... MIGHT BE A CHANCE OF ... ... ME BEING ENTITLED TO SOME DISCOUNTS ON MY TAXES & I GUESS THAT IS WHY THEY MADE UP THAT AMOUNT. FOR WHATEVER REASON THEY ENTERED THIS AMOUNT, THAT IS OVER {$300.00} SHORT, THEY HAVE MADE MY ESCROW ACCOUNT FALL INTO DEFAULT & SHORT OF PAYING WHAT IS REALLY DUE. THEY MADE UP THIS AMOUNT EVEN THOUGH THEY WERE GIVEN THE CORRECT AMT. I WANT THEM TO CLOSE MY ESCROW ACCT. & LET ME HANDLE IT MYSELF AND THEY ARE REFUSING TO DO THAT. SINCE THIS WAS A MISTAKE THAT THEY MADE, & I AM NOW SUFFERING, I WANT THEM TO ALSO ABSORB THIS SHORTAGE AND CLOSE MY ESCROW. THEY HAVE MISMANAGED THIS RESPONSIBILITY AND CAUSED ME HARM IN THE PROCESS. AN EMPLOYEE PROMISED ME 3 TIMES THAT IF I WOULD PAY A PORTION OF THE PAST DUE AMT. HE WOULD CLOSE MY ESCROW. I PAID IT THEN HE SAID HE COULD NOT DO IT!!!!!!!! NOW THEY ARE TELLING ME I HAVE TO WAIT ANOTHER YEAR. I AM SURE I WILL BE MET WITH THE SAME XXXX  IN A YEAR. THEY CAN MAKE AN EXCEPTION TO CLOSE MY ACCT. THERE ARE MANY SIMILAR COMPLAINTS PUBLISHED WHEN YOU SEARCH FOR " WELLS FARGO ESCROW SHORTAGE ''
Consumer complaint received 2022-08-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc. (IL)

On or about XX/XX/2022 to XX/XX/2022 Crypto.com detected suspicious transactions to my account and froze/suspended/locked my account. As it turns out I was the victim of a online hack and scam. Please see CFPB complaint # XXXX. After working with my financial institution and XXXX it was determined that all transactions on XXXX was unauthorized. However the funds was lost. My bank had stopped 3 of the transactions made to Crypto.Com. They allowed a 4th transaction to proceed before doing their investigation and later reversed this transaction. Upon this action by my bank Crypto.Com became irrate and demanded that my bank produced a letter demanding that they close the investigation. Which my bank did provide. Then Crypto.Com demanded that my bank produce a letter stating that the investigation had been cancelled and no further action would be taken. Crypto.Com has refused to unlock or unsuspend my account since XX/XX/XXXX until they receive the letter. My bank has told me over and over that the letter issued is their only requied response. Crypto.Com is not happy with this response and continue to hold my funds and my account hostage knowing very well this investigation by my bank is closed. Crypto.Com does not make available the transcript of our back and forth communication by locking the support screen from screenshot. It is my complete feeling that Crypto.Com is seeking to punish me for having the hacked unauthorized transactions stopped and reversed. I can not provide any documents of the communication because of Crypto.Com policy on screenshot. However I have attached an email of our earlier conversation.
Consumer complaint received 2022-08-24
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: GOLDMAN SACHS BANK USA (IN)

These soft inquiries need to be removed from my credit report as they are fraudulent. Already tried to fix it with the credit bureaus and they are unwilling to help me and remove the soft inquiries. They claimed that the inquiries can not be removed, but you can remove them instead of the credit bureaus. I have never applied for an Apple Card credit card and have no interest applying for one in the future since this happened to me. Please remove these soft inquiries from my credit report from ALL credit bureaus. There may be more in your system but they all need to be removed as they are all fraudulent. I would like all my accounts closed permanently. I will decide whether I want to open them back up if I happen to want to apply sometime in the future which is very unlikely. I am not going to ask again to have them removed since this has continuously going on time and time again, and have been working with you and credit bureaus to get them removed for over a year now. Some of the inquiries are listed below. 

APPLE CARDGS BANK Location XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Requested On XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 Phone ( XXXX ) XXXX APPLE CARDGS BANK Location XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Requested On XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 Phone ( XXXX ) XXXX