davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

On XXXX, I submitted documents for an employment data report from The Work Number by Equifax. The reference number is XXXX. I received no reply, confirmation, or report. See attachment XXXX '. 

After getting no reply, I submitted a new request and set of documents on XXXX. The reference number is XXXX. I received no reply, confirmation, or report. See attachment XXXX '. 

I submitted a new request once again on XXXX after not getting any feedback and included the above reference numbers as a reply. I did get a response from that said there were no attachments found in my prior submissions. That is clearly wrong as evidenced by the referenced screenshots. I informed Equifax as much in a subsequent reply that, once again, included the requested documentation. The reference number is XXXX. See attachment XXXX '. 

After submitting the reply on XXXX, I also attempted to call Equifax in order to speak with someone that could confirm that the documents were received. I was unable to find any option in the phone tree for someone in that department specifically. I did speak to someone that I believe was general support for The Work Number by Equifax and they were supposedly able to get a message forwarded to a XXXX regarding this issue, but it appears that has not helped.
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I called Equifax to have the information they are reporting removed from my report that they were sharing. I also sent 2 letters to Equifax stating that this information should be removed and that the finding of their investigation was not verified. They have refused to comply with the rights that I have as a consumer. The investigation says that XXXX XXXX verified this information. However, XXXX XXXX sent a letter stating that they had removed the information and that Equifax knew and still refused to remove it. The information they are sharing has impacted and continues to impact my reputation and standard of living. Equifax continues violate a number of my rights under 15 USC 1681 even after the source they used removed the information. I have attached the letter showing this information.

According to : 15 U.S.C 1681 A. States I have the right to privacy.

According to : 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 According to : 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 2018-03-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MD)

PayPal, allowed 5 different companies over three months ( plus but I only have documentation of these ) to charge me twice for goods or services totaling XXXX and when I called to ask them to locate and refund my money they put me on hold for 2 hours. They also allowed companies to send me damaged goods and keep my money, so much for their consumer protection, which is a lie so its fraudulent
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. (NC)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2018-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

I had sued Equifax for allowing my information to be used without my consent. So a lawyer got in contact with me about resolving the matter. He said he will put the freeze on my credit. Plus a lock if i dropped the case so i did now everytime something goes wrong with my credit score i call Equifax and they say that they can't talk to me. This has been going on for about a year now. I need help please.
Consumer complaint received 2023-02-23
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. (FL)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

Contacted Equifax on XX/XX/18 about removing security freeze was told to call back the next day due to not being able to lift the freeze. Called again on XX/XX/2018, provided pin # to have freeze removed and was transferred to at least 6 reps who could not assist me. Spoke with a supervisor who assured me it would be escalated and the freeze would be lifted in 24-48 hours. 48 hours later on XX/XX/2018, the hold is still in place and again called to have the freeze lifted. I was given a confirmation # that the hold would be lifted in an hour which still has not been done. This is beyond unprofessional. Each rep I speak with gives me the same reason and no one wants to rectify the situation. I am being denied for credit due to this issue. I need the freeze lifted immediately.
Consumer complaint received 2017-08-13
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)

Last year i noticed two student loans on my credit file that claim were opened in XXXX 2002. I was not in school so i could not have opened any loans around that time. I 've disputed these accounts over the past few months in which XXXX and equifax deleted one of the accounts from my file but not the other, then just about two months ago the same two student loan collections showed up on my XXXX file.
Consumer complaint received 2017-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NC)

I have XXXX XXXX XXXX credit account, managed through Synchrony Bank. I bank constantly adds late charges to my account where there are none due. This first time this happened is XX/XX/XXXX ( please refer to statements from XX/XX/XXXXto XX/XX/XXXX ). I constantly receive collection calls and when I attempt to respond and resolve the issue I am met with incompetent customer service people who English is not good and will not investigate the issue. I have to take my time to research and the issue. Since this is an error on their end they should provide the proof the my account is late or past due. These is by design on Synchrony part to harass customer they feel do not understand credit because one chooses to do business them. This equates to Fraud.
Consumer complaint received 2017-08-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (FL)

My name is XXXX XXXX XXXX an underwriter for the XXXX XXXX XXXX XXXX XXXX, on behalf of our Client XXXX XXXX on his foreclosure case and in addition helping him to obtain a Tier 2 modification of mortgage since XX/XX/XXXX. We had provided a total of five complete loss mitigation packages to this terrible servicer. The first package was fax on XX/XX/XXXX, second XX/XX/XXXX, third, XX/XX/XXXX, fourth, XX/XX/XXXX and Fifth XX/XX/XXXX. Ditech listed as one of the most deceitful servicer in the Country not once has send a correspondence to this office. On XX/XX/XXXX I called Ditech and talked to a Customer Relations Manager XXXX Id # XXXX, hope he exits and he advised me that nothing has been look in these two years by Ditech. As a ex-underwriter for XXXX, I told XXXX that Ditech had violated RESPA 1024.41, since I presented this file before XX/XX/XXXX, they had violated this law. He advised me that a letter went out to the customer on XX/XX/XXXX informing XXXX XXXX he did not qualified for any loss mitigation option. My answer to XXXX was you generate those letter anytime you want and send them to the customers, without reviewing any files been sent for loss mitigation review, but your institution to bill the Treasury. XXXX XXXX who confirm also he had worked in the pass for XXXX, agreed with my statements. Servicer do generate letters at any time to cover themselves, they brake the law all the time, they lie, and they mislead the government and Americans. This is a XXXX XXXX Loan they should do better than this.
Consumer complaint received 2017-08-13
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. (WA)

I track my credit via XXXX. In XX/XX/XXXX, I noticed there was a hard credit pull added to my Equifax report from a company called XXXX - it appears to be an online clothing store, under the umbrella of XXXX XXXX, based on XXXX, Wisconsin. I am not a customer of this company. The pull is dated XX/XX/XXXX. I called XXXX to ask why they pulled my credit without my consent, they said they have no record of doing so, and were unable to clear it from their end. They said to file a dispute with Equifax to request the removal. I filed the report with Equifax, they closed my request, sent me a letter outlining why a third party could access my credit, none of which was applicable to my case, as I did not request to do business with the company in question. I filed a second dispute, which was closed without comment.
Consumer complaint received 2017-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (WA)

I monitor my credit via XXXX. I noticed there were one hard pull each this week on equifax and XXXX from XXXX XXXX dated XX/XX/XXXX. I did not authorize these pulls. I called the XXXX XXXX credit card division, they said it was n't them. They gave me the XXXX XXXX XXXX banking number, so I called them today and they said it was not them, they then said I should check with another division and they forwarded to me to a department that was closed for the day. I have had XXXX XXXX accounts in the past but they have been closed for a number of years. I did not authorize these pulls and want them removed from my credit report.
Consumer complaint received 2022-09-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (AZ)

I received an email from a debt collector ( True Accord ) which stated I owed on a credit card issued by XXXX XXXX Bank XXXX I contacted XXXX XXXX Bank and XXXX them I have never applied, nor been issued a Credit Card from them. They investigated, then still sent me another email through True accord a debt collector. Sent an inquiry again, only to get the same vague copy of XXXX XXXX Bank Credit Card XXXX Uses a very old address of mine and does not specify what was charged on the card. 
Please help!
Consumer complaint received 2022-10-25
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (MI)

Something is very strange. We bought the house for {$140000.00} and took a mortgage out for that much and we have been paying for 4 years now, and the balance has only gone down {$1000.00}. 

Something seems wrong. 

Also, it is not clear whether or not they added {$7500.00} that Michigan for down payment assistance into the loan.
Consumer complaint received 2022-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (FL)

On XXXX XXXX I was trying to make a payment to my credit card online and chose the option to pay the full balance by mistake. As soon as I realized I called Citi card services early morning on XXXX XXXX, I was assured by their representative that they would credit my money back in full in 3 to 5 business days. In the mean while my bank account appeared overdrawn. My Bank apparently declined the payment and I was patiently waiting for the balance to show up in the credit card again. Today Citi tried to take this payment again out my account knowing that it had been a mistake because I called and informed them on Friday XXXX XXXX, they overdrew my Bank account once more. I called them again today and was told a different story about this process, now they said it was 3 to 5 business day to process this and decide if it got approved to give me back my money, and then another 4 to 6 business day for me to get the money or actually see the balance in the credit card again, meanwhile my payment due date is XXXX XXXX and now Im worry about missing my actual payment due to this whole process, which I was interrupted and told that there was nothing they could do about it, that I had to wait for the whole process to see if it got approved when Ive been telling them that I did not authorized that full balance payment.
Consumer complaint received 2018-11-30
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)

XXXX personal loans is reporting that I am more than 30 days late on 3 payments which isn't true I have bank statements and XXXX statements showing I've paid them. I contacted the credit agencies as well as XXXX and they reassured me the problem would be resolved but it's not and it's ruining my credit.
Consumer complaint received 2022-12-29
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. (WA)

My credit report is still showing incorrect information : - XXXXXXXX XXXX XXXXXXXX, ( Account ending in XXXX ). This account has been paid-in-full. Please see the attached confirmation letter from XXXX, dated XX/XX/2022. 
- XXXX XXXX, is still incorrectly showing a {$900.00} balance due. ( Account XXXX ) incorrectly filed on my credit report. But the report clearly says, " charged off. '' If something is charged off a 1099a is sent to the IRS, which means it is now income earned for the company. I can not owe on income. This is inaccurate reporting on their part. They are trying to be paid twice for the same case. I would like to exercise my right as a consumer to 15 USC 1681i ( a ) due to the nature of inaccurate reporting on my report. Also, in 15 USC 1681 ( a ) 1 it says that the banking system is dependent upon fair and ACCURATE reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence which is essential to the continued functioning of the banking system. 

Please remove these items from my account, immediately.
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. (AZ)

I have contacted XXXXXXXX XXXX  about the negative and defaming information starting XX/XX/XXXX. I went to go get a loan from my local bank and I've been informed that I have bad credit and couldnt get it. I checked my report and seen that the XXXX XXXX account is reporting inaccuracies about me on my credit report. I am highly upset. 

If this account is going to remain on my credit report I challenge the accuracy and validity of your reporting company. 
( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

How could you guys be so careless when reporting this information about me this really hurt me and my business.

Show me the reasonable policies and procedures concerning the accuracy and integrity of furnished information of this account please.

And please have integrity about this account.

Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and ( ii ) Listed in section I ( b ) ( 2 ) ( iii ) of appendix E of this part.
Consumer complaint received 2022-04-25
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. (CA)

In accordance with the Fair Credit Reporting act, XXXX, XXXX, Equifax has violated mt federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

These Names do not belong to me and Too many On Personal Information. Errors are highlighted and Circled.
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. (NJ)

XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 a 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 2018-11-30
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 (CA)

Discover personal loans is reporting that I am more than 30 days late on 3 payments which isn't true I have bank statements and discover statements showing I've paid them. I contacted the credit agencies as well as discover and they reassured me the problem would be resolved but it's not and it's ruining my credit.
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 — Card was charged for something you did not purchase with the card
Company: Neon Newco Corporation (OH)

On XX/XX/18 : {$1800.00} went missing from my NetSpend debit card account. The time of this unauthorized transaction was XXXX cst. Found out from NetSpend that this was a XXXX XXXX transaction. I told NetSpend that I have nothing to do with XXXX XXXX and that I don't even have a XXXX XXXX account. I even got XXXX XXXX on the line with NetSpend and myself on XX/XX/18, and the XXXX XXXX employee even told NetSpend that I don't have an account with XXXX XXXX. NetSpend said they can't stop this transaction from going through they can't block it even though I told them that this was not authorized. They said that after 15 days by XX/XX/XXXX if this transaction is still in pending status they will release the {$1800.00} back into my account. They also said I can't file a dispute until the transaction goes through yet meanwhile even in pending status I don't have access to my own money that was taken. My rent is due Saturday XX/XX/XXXX which I can't pay in fact I can't do anything can't by food. Please help me. I have no idea exactly how this could happen. NetSpend shut down the debit card and sending me a new card. I still don't have my funds and this has me sick to my stomach and I can't sleep good. If you need more information please let me know. Thank you.