davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-10
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: DISCOVER BANK (IN)

Included is a list of accounts that were opened in my name fraudulently ( company and amount ) : XXXX XXXX ( hard inquiry ) XXXX XXXXXXXX XXXX {$9900.00} XXXX XXXX {$3400.00} XXXX XXXX XXXX XXXX XXXX$2800.00} XXXXXXXX XXXX XXXX XXXX {$320.00} XXXX XXXX {$13000.00} XXXX XXXX {$9100.00} XXXXXXXX XXXX {$5000.00} XXXX XXXX XXXXXXXX {$1400.00} XXXX XXXX {$1000.00} XXXX XXXX {$540.00} XXXX XXXX XXXX {$490.00} XXXX XXXX {$330.00} XXXX XXXX XXXX XXXX$300.00} XXXX XXXX {$120.00} These accounts are a mix of credit cards, collections, and utilities. I did not open or have any knowledge of these accounts
Consumer complaint received 2017-06-01
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. (MA)

I am the victim of fraud. I first noticed this when one online credit card application was approved and instant credit granted to the perpetrator back in XXXX. Within a few days multiple online applications started to show up. Since that first time ( XXXX/XXXX ) I placed Fraud alerts on all of my credit report companies. I filed with police, filled out an identity theft affidavit and reported to internet crime complaint center as well as the department of the treasurer. On XXXX XXXX, 2017.An online application to XXXX XXXX  XXXX XXXX triggered a fraud alert to my email. I immediately called the XXXX XXXX XXXX XXXX told them that I did not apply for this and that it was a fraudulent application. XXXX XXXX XXXX CONTINUED TO DO A HARD INQUIRY ON MY CREDIT REPORT WITHOUT NOTIFYING ME. I asked the bank to remove the hard inquiry from my credit report as it was fraudulent. They said NO that it was their right to pull my credit without calling me- as they send letters instead. They also said that people lie all the time about identity theft AND THAT THE XXXX XXXX WILL CONTINUE TO LEAVE THE HARD INQUIRY IN PLACE UNTIL I PROVE THAT I DID NOT APPLY FOR THE ACCOUNT. I asked for multiple investigations with Equifax and was told that Eqifax will not remove the credit inquiry XXXX says the inquiry is not fraudulent. My identity was stolen, name address phone and social, I continue to be victimized, the information is right there on my credit report and this bank is treating me as a criminal. They should have not pulled my credit like the alert advises, AND she were instructed on the alert to call me on the phone to verify the information before pulling my credit. This issue is still on going. This makes no sense- and we need stricter laws on how and what types of information can be stored. My information was breached by some company - and the only users of my information are doctors, hospitals and banks. People have access to information without even a core check. Your being asked for the last four of your social all the time. No wonder ID theft has gone viral. People need to start fighting back. I also called my attorney general office - their response " We know its a problem- you have to take more protection. WRONG_ I do n't use debit cards- I do not shop on line- I do not pay bills on line, I shred everything. SO TELL ME How did my credit get breached? ITs the holders of all this required information that 's how.
Consumer complaint received 2017-06-01
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. (MD)

I have trie d on 3 diff erent occassions to resolve this matter of inaccurate accounts being reported on my credit report for  XXXX  accounts listed for  XXXX   XXXX  in the amounts of {$140.00}, {$430.00}, & {$130.00}. I have no idea what these accounts are for I previously sent a letter to  XXXX   XXXX  and never received a response. After not receivng a response I  sent 2 l etters to all  XXXX  credit bureaus and to date I have not had any recourse. The acocunts h as been updated as meeting FCRA requirements however I have not received a contract or any documentation bearing my signature. I requested the CB 's provide me with the documentation and information they used to validate all   XXXX   of these accounts. Under the FCRA 611 ( a ) I also requested the method of validation that was used. Who, where, and how was my dispute forwarded to this company and who, how, and when did the company responded. To date I have not received either, therefore the credit bureaus are violating my rights. On 2 s eperate occassions I received a letter stating that my dispute could not be investiaged because the address on file was not listed but that is a lie the address  XXXX   XXXX   XXXX   XXXX  is listed on my credit report please see attached copy. I am under no lawful obligation to provide any more personal information besides my social security number and I will not do so.
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. (NC)

Equifax has violated my consumer rights under 15 usc 1681 ( A ) ( 4 ) The right to fairness, impartiality, and a respect for my right to privacy. There reporting false and inaccurate accounts on my consumer report.
Consumer complaint received 2017-05-31
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: Experian Information Solutions Inc. (OH)

I have multiple credit inquiries that I did not authorize. I have contacted  XXXX , Experian, and   XXXX    to dispute and delete them. I have received communication that they are unable to delete and that I would have to contact the creditors. A security fraud alert was placed on file by the credit reporting agencies after their investigation was completed. The inquiries still remain and has damaged my credit rating
Consumer complaint received 2017-06-01
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NY)

Actually several things have happened. In XX/XX/XXXX, a report was filed on my credit report that I was 30-60 days late in a payment. However, a couple of weeks before the payment was due, I called them, Synchrony Financial, and told them I was expecting a paycheck to come after the due date and I needed to ask for an extension on the due date. I got no written confirmation, however they said they understood. I paid a couple of weeks late and few weeks later, the complaint showed up on my credit report, causing a pretty big drop in my score. <P/>This past XX/XX/XXXX, I made a payment for the month of XXXX. On XXXX XXXX, I went back and made a payment for XXXX. This month ( XXXX ), I logged in to make my payment and lo and behold, they are charging me for two months with a late fee. <P/>The final straw, I uncovered while noticing the late fee. The products ( furniture, half of which that fell apart and they offered no recourse or refund at the store ), had just passed the time for no-interest accrual this month. At an insane 28 % interest rate, and about {$1600.00} left on the balance, the interest charge should have been an astronomical amount of {$440.00}. However, they charged me {$900.00}!
Consumer complaint received 2017-06-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Seterus, Inc. (CA)

I have a conventional loan through Seterus Inc. We pay our payments on time and recently submitted a request for cancellation of PMI. My understanding based on research and Seterus website was that we needed to have 20 % equity on the loan.      Following the appraisal I received a letter advising the value of the home based on the appraisal is {$470000.00}, our loan amount is {$360000.00}. So we have almost 23 % equity but they state in the letter that we need to have 25 % equity.     Are loan companies able to make-up their own rules? I thought the Govt mandated PMI cancellation with 20 % or more equity and on-time payments.     Also, the company states in writing their hours are  XXXX   XXXX  to  XXXX   XXXX  but when calling the number provided it states  XXXX    XXXX   to  XXXX   XXXX , are loan providers not required to be open when customers can actually conact them?
Consumer complaint received 2017-06-01
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. (LA)

Approximately  XXXX   XXXX ,  2017  I sent a copy of a certified letter and a copy of a returned mail to Equifax stating and showing they are reporting inaccurate information so I asked them to delete the account and information. The envelope was addressed to  XXXX   XXXX .
Consumer complaint received 2020-10-07
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (SC)

I sent my account number to my account for direct deposit and my bank was on hold putting the money in the bank and made a payment of my stimulus check to a direct deposit loan on my brothers account and sent my money to some account was holding my bank on payment for a ticket I had and sent my money to a lawyer about a claim settlement while I had a XXXX  XXXX  agreement with my lawyer  and put me in a whole.
Consumer complaint received 2020-04-22
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 — Problem with personal statement of dispute
Company: LoanCare, LLC (AR)

I had a home loan with the lender Loancare/XXXX XXXX for 39 months and paid all payments on time. I was selling my home and called in XXXX to get the payoff statement sent to me so I could give it to my title/closing company. The lender told me not to pay the last payment as it would be rolled into the payoff statement and would not be marked as a late payment. When the payoff went through and credit reporting was done for the month the lender marked my final payment on the loan as 30 days late. The payment was technically 30 days late but I was told it would not be marked late as it would be rolled into the payoff statement. This is adversely affecting my credit score to where I can now not purchase a new home and is at very best a miscommunication and should be forgiven as a late payment since it was not a late payment due to inability or unwillingness/forgetting to pay. I did not pay the bill at the direction of the lender and therefore do not think this late should be on my credit report.
Consumer complaint received 2017-05-31
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: JPMORGAN CHASE & CO. (TX)

Dear CFPB : I am filing a new dispute . Chase did not address the issue presented. In a letter from Chase it is started I did not return the item in the alotted time to receive a refund. This is not true. I am enclosed documentation of when the item was received and when the item was returned. The  item was delivered on  XXXX  -17 an d the item was returned on  XXXX -17.     Here are the items attached  : 1. Email from the Merchant  dated  XXXX   XXXX ,  2017 2.   Letter from Chase  dated  XXXX   XXXX ,  2017 3. Postal Receipt  of when the item was sent to the merchant.  XXXX   XXXX ,    2017 4. Postal R eport of when the item was received by the merchant, signed for by the merchant.  XXXX   XXXX ,    2017 It 's no t true the item was returned 30 days later as stated by Chase.     I hope to receive an appropriate resolution soon.     Thank you,  XXXX   XXXX
Consumer complaint received 2018-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MA)

I have sent 3 rounds of dispute letters to all 3 major credit bureaus disputing the information of a bankruptcy showing up on my credit reports. They keep coming back verified. 

The court house has already confirmed they do not release information of the public record to third parties like the credit bureaus. 
The information need to be verified via XXXX XXXX. 

I have placed a security freeze on my XXXX XXXX files effective XX/XX/2018. 

However the credit bureaus continue to say they have verified the information which is impossible! They also have not been able to furnish an original signature of the public record because it does not exist. 

Please help get this corrected. 
Thank you
Consumer complaint received 2017-05-31
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. (GA)

XXXX   XXXX  Credit Card is reporting incorrect contact information on all  XXXX  CRA 's. Dispute letter mailed to  XXXX   XXXX  at the address listed on all   XXXX   reports  XX/XX/17   . This letter was returned " un-deliverable ''   XX/XX/17 .   Photo  copies of the letter showing the United States postal service could not deliver the letter along with a letter requesting the information be removed due to inaccurate reporting to all   XXXX    bureaus Equifax,  XXXX , and  XXXX  on  XX/XX/17   . All  XXXX  have responded as "  Verifed  '' account information yet all   XXXX   still list the incorrect mailing address for this account.  XXXX   XXXX  sent me a letter with their correct address in the return section of this letter. Due to the inaccurate reporting of  XXXX   XXXX  and the CRA 's this account needs to be removed from my report.
Consumer complaint received 2017-05-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (OH)

I have settle the amount with the lawyer representing the  XXXX   XXXX   XXXX . I had paid a certified check and it was cashed on the  XXXX  of  XXXX  for the agreed amount.  XXXX   XXXX   XXXX  also reported the balance was still owed and that 's incorrec t. Case No   XXXX  in the  XXXX  Ohio Court. This was a  Home Depot original Citibank, NA
Consumer complaint received 2016-10-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

There are numerous inquiries from lending institutions for an auto loan which I never authorized reporting on my Equifax credit report. I have disputed these inquiries with the credit bureau along with the creditor with no recourse. These inquiries are negatively affecting my credit and I have expressed my dissatisfaction with the method that my disputes have been handled with the Equifax credit bureau and lenders.
Consumer complaint received 2022-08-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IN)

My loan originated as a XXXX XXXX originally serviced by Sallie Mae. In XXXX, it was moved to Navient. I hadn't noticed and it wasn't made clear that when it was converted, it was turned into a private loan. At the beginning of the pandemic, the payments were paused but, it appears that late fees and interest continued to accrue. After the first pause expired in XXXX, they put me back in repayment. My outstanding balance actually increased over the last two years despite the fact that I've been paying again since early XXXX. 

I graduated from college in XXXX with about {$28000.00} of loan debt. It's {$57000.00} now. They pushed me toward deferments during the years I was hardly making any money and it grew and grew.
Consumer complaint received 2021-03-24
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: EQUIFAX, INC. (NY)

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have circled the items I dispute on the attached copy of the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove/correct this information at the earliest possible time.XXXX, XXXX. 
Other reason Submitted XXXX/XXXX/XXXX  Other reason Submitted XXXX XXXX Other reason Submitted XXXX XXXX Other reason Submitted XXXX XXXX XXXX Other reason Submitted XXXX/XXXX  Other reason Submitted XXXX XXXX XXXX Other reason Submitted XXXX  XXXX  XXXX  Other reason Submitted XXXX/XXXX  Other reason XXXX/XXXX  XXXX  Other reason
Consumer complaint received 2023-02-10
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: DISCOVER BANK (FL)

Discover financial services are taking advantage of clients prequalify system to submit inquiries as there are inquiries in my report I did not authorize and therefore need to be removed from my report. The pre qualify check clearly says on their site it does not hurt the credit and they are submitting credit inquiries that are affecting my credit without my consent. Please remove inquiries nor authorized on XXXX and previous months
Consumer complaint received 2021-03-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TN)

I received an alert from XXXX Credit Reporting about this item. IC collections report a debt that was found out to not be me. They had no social security information on me as well as no Date of Birth information incorrect addresses. I spoke with a XXXX XXXX Hospital RepXXXX that verified with me that they do not collect Social Security Information or personal id information. The rep. also verified for me that there are 2 dates of service totally the amount of the debt. Also confirmed for me the person the debt belonged to was a person who lives XXXX, TN. This company has harrassed my parents home phone as well as my personal phone. XXXX an Item to a credit bureau on a person that did not verify there information.
Consumer complaint received 2017-04-26
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. (CO)

XXXX   XXXX   XXXX  is reporting that payments of {$320.00} on the months of  XXXX ,  XXXX ,  XXXX , and  XXXX  all as being 30 day late.   A formal debt validation request was sent out to  XXXX   XXXX   XXXX  on the dates of  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX , and  XXXX / XXXX / XXXX  with no response.   Calls were also made in  XXXX  of  XXXX  but I was told that they though they could see that the payments at that point were indeed not 30 days late there was nothing that they could do to help and that I would need to go through some other means to get the report removed from my credit report but could not give me the information on what that would be.
Consumer complaint received 2017-04-26
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 have multiple inquiries on my credit on  XXXX   XXXX ,   XXXX   and  XXXX   XXXX   XXXX  i contacted credit bureau to remove unauthorized inquires ... stated i need to call original creditor ... contacted orginal creditors who all stated they have no account or information pertaining to me ... called bureau back to inform what creditor states and they still havent removed these unauthorized inquiries as i requested certified mail and via phone several times ... i am very frustated with this situation these are unauthorized inquiries
Consumer complaint received 2017-04-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Conn's, Inc. (TX)

I had an installment loan wit h Conn 's that I ended up paying off early. I contacted Conn 's  on  XXXX   XXXX ,   XXXX   and  XXXX   XXXX ,   XXXX   to find out where my refund check was as I had overpaid. The customer service representative, told me on both occasions that they sent a message to the credit department as they were the ones that had to contact me. On the second occasion, the customer service representative told me that it w as Conn 's policy to ap ply the refund amount to other existing loans, if applicable. I specifically requested for a copy of that policy but never received it.
Consumer complaint received 2019-05-11
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: Navient Solutions, LLC. (FL)

Navient student loans My student loans from Navient I have two And my three XXXX students loans From XXXX I apply for a student loan forgiveness program And all of my loans has been forgiven so its XXXX All payed off Navient XXXX XXXX Department of education
Consumer complaint received 2017-04-26
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: Experian Information Solutions Inc. (AR)

My main complaint is I do NOT own this account. This is a retail credit card company and my wife owns the business. I have NEVER owned a business that uses credit cards. Her business is  XXXX   XXXX  operating under the name of "  XXXX   XXXX   XXXX  ''. I have no idea how this ended up on my credit report. I want it removed and I have any or all documentation you need to prove that I am in no way, form, or fashion associated with my wife 's business.   Basic Info : Debtor is  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , FL,  XXXX . Number is  XXXX . The balance showing is {$1800.00} as an installment account. Its showing my past due amount of {$180.00}. My first delinquency date is  XXXX   XXXX ,  2016 . Thank goodness I checked my credit report.
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. (MO)

I've requested that the following accounts be blocked and removed from my credit file due to the fact that they are not mines due to my identity being compromised. I've also requested a Method of Verification of your previous investigation of this matter. Either I'm provided with this request or you and your companies shall removed these accounts immediately. 

XXXX. XXXXXXXX XXXX XXXX {$700.00} XXXX. XXXX XXXXXXXX XXXX  {$120.00} XXXX. XXXX XXXXXXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX unknown XXXX. Missouri Department of Chld Support