davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-09
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-12-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Comerica (MI)

The person who has my money for this investment account is named XXXX XXXX XXXX. this is her XXXX page link. 

XXXX XXXX XXXXXXXX She promised me a 100 % money back guarantee on my investment. When she deposited my {$18000.00} into XXXX account, I began to make a profit. However, she told me that I would have to borrow another {$100000.00} from my bank in order and give it to her as commission in order for me to have access to the money in my investment account. I have XXXX and I have everything she said on XXXX XXXX and XXXX to show you exactly how she used the name of XXXX and everything else to get me to make this investment with her. 

All I really want is what she promised. That is a 100 % money back guarantee. I have been asking for my money back for days now. she told me if I go to my bank and borrow {$100000.00} then I can access the withdrawal feature in my account. She is in constant contact with me and thinks that I am going to go to the bank and make the withdrawal. I told her several times that I want my money back. She will not take no for an answer. She just asked me to go to my bank and take out a loan a few minutes ago. This crime is happening right now! 

My name is XXXX XXXX and my phone number is XXXX XXXX ) XXXX ) Email : XXXX Email 2 : XXXX If you need any evidence please contact me. This crime is active right now.
Consumer complaint received 2020-12-24
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. (MI)

My Chapter XXXX Bankruptcy was discharged XX/XX/2020. I discovered on Equifax, credit reporting agency, my account with XXXX XXXX XXXX was noted as a " Charge Off '', and not as, " Discharged by Bankruptcy '', as all of my creditors from my Bankruptcy have noted. I've attempted to dispute the Charge off, without help from Equifax. Equifax has been given my Bankruptcy discharge by the Bankruptcy court, as it has to all three reporting agencies, again has refused to correct the charge off, to Discharged by Bankruptcy. XXXX XXXX XXXX also refuses to correct this inaccurate information. My account was closed with XXXX XXXX XXXX  @ XX/XX/2020 as 'Charge Off ', two months after my Bankruptcy discharge date of XX/XX/2020. XXXX XXXX XXXX has harassed my with emails, phone calls and mail, well after my bankruptcy discharge date.Triad and all other creditors declined to attend the creditors hearing scheduled XX/XX/2020. Reported to my attorney, harassment has ceased, finally. I understood the negative impact of filing bankruptcy, but Equifax & XXXX XXXX XXXX refusing to correct the inaccurate information is being done with Malicious Intent to cause my credit rating even more harm. After my third dispute with Equifax, they lowered my credit rating from XXXX to XXXX.
Consumer complaint received 2020-12-24
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2020-12-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MS SERVICES LLC (CA)

MS XXXX Services is making my life miserable. I want to write you about the following account : Account number : XXXX, date Opened : XX/XX/2020, high credit {$2400.00}. 

Violations committed by this company to the Rosenthal Act of California Credit Reporting Act that your company has committed : 1. Unfair business practices : Using an automated dialing system 2. Failing to mark account as disputed.

3. intrusive and ambiguous voice messages.

4. Re-aging account. ( Serious violation because it kills my credit score ). 5. Reporting incorrect first delinquency date. 
6. Negligence.

7. Failure to provide customer adequate customer service.

8. Failing to register in the California and Wyoming Secretary of State. 9. inconsistent report across bureaus. 

All I want is a fair solution to this issue. I want the item removed from all three credit reports as a compensation for all the damages that they have caused me. i am not able to get a home and I've been through emotional stress too. 

I ask that you send the attached documentation to the company. 

Thank you.
Consumer complaint received 2020-12-24
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2020-04-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CT)

My loans were put in forbearance status 3X by Fed Loan Servicing while they processed paperwork. I was called by Fed Loan Servicing staff and was told that if I made the 3 payments they would be counted towards the 120 needed for Public Service Loan Forgiveness. A recent tally letter was sent and it doesnt look as if these 3 payments were counted ... so where was the money applied? if they arent going to count them then I would like the money back. 

Also, I consolidated all my student loans on the same day into Subsidized and Unsubsidized loan packages. I have been making payments on them at the same time, but one shows as having 110 qualifying payments and one show as having 109. Both should have 110.
Consumer complaint received 2021-01-03
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. (VA)

I have some fraudulent inquiries on my credit : XXXX  - XXXX XXXX XXXX XXXX  XXXX XXXX-XXXX XXXX XXXX I have reached out to Equifax 4 times with zero resolution! 

My name is XXXX XXXX and I am demnading these inquires to be reomved from my credit pursuant to 605B. I have wasted 4 months trying to remove these.
Consumer complaint received 2020-12-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Chime Financial Inc (GA)

On XX/XX/2020 at XXXX XXXX  the person name XXXX XXXX transferred XXXX dollars out of my chime account. I contacted chime and told them about it I even did a dispute they emailed me days later saying they didn't find any errors and I couldn't get my money back. I feel that was unfair to me cause I would never send anyone that kind of money that I don't know.
Consumer complaint received 2022-10-09
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 a account without my written instructions
Consumer complaint received 2016-12-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: R3 Processing (MO)

I was contacted by a 3rd party called R3 Processing to consolidate my federal loans and make monthly low payments based off of my income. They told me that I would make monthly payments of {$41.00} for 240 months until my federal loans were paid off. They did consolidate my loans with a company called XXXX. XXXX in turn consolidated with my loans with XXXX. I got in contact with XXXX this morning and they told me that I was n't due to make a payment for 1 year. When I heard that, I was confused about where the {$41.00} was going exactly. XXXX informed me that 3rd parties do not have access to pay any student loans and are not responsible for them. So the {$41.00} is not going to my loans like they said they were, but going to R3 processing directly. I then called the number that R3 processing provided for me and they were both disconnected. I emailed the account manager- XXXX who I spoke to previously when I was setting up this consolidation with them, and asked him to give me a direct number to reach him. He did and I told him I got in touch with XXXX and told him what they told me about not having to make any payments for 1 year. I asked him where that money was going directly and he said it is a fee for us doing your paperwork. I was never told about any fee, and if I had knew about a fee I would of never signed up for their services. He lied about that money going towards my loans. XXXX informed me that there should never be a fee to consolidate any loans and that the 3rd party who contacted me are most likely running a scam. They also told me I can consolidate on my own at no cost.
Consumer complaint received 2022-10-09
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. (CA)

account # XXXX from XXXX XXXXXXXX has inaccuracies thats violating of FCRA requirements... 
date last active : XXXX XX/XX/XXXX XXXX XX/XX/XXXX, equifax XX/XX/XXXX last payment : XXXX XX/XX/XXXX equifax XX/XX/XXXX Therefore all this errors and inaccuracies makes this report invalid ..must delete from my credit report...
Consumer complaint received 2020-12-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I disputed these accounts with the credit bureaus XX/XX/2020. I never received any results or anything stating that the credit bureaus have started an investigation. On XX/XX/2020 I sent another letter stating that I hadn't received a response. This has not been about 40 days since my initial dispute. The credit bureaus still havent responded and nothing has changed on my reports. To my knowledge the credit bureaus have 30 days to respond and if they don't that is automatic grounds for deletions of the accounts that were disputed. At this point the accounts should be deleted. I am considering filing a litigation because this is becoming stressful and especially since I was a victim of the Equifax data breach. Please delete these accounts immediately. 
XXXX is the only bureau that deleted the accounts and if you all get the information from the same creditors I don't see how these accounts are still reporting with XXXX  and Equifax.
Consumer complaint received 2022-10-08
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. (TX)

I have called multiple times disputing these items that are unauthorized accounts and inquiries that I demand deleted. I believe the 3 main credit reporting agencies XXXX, XXXX, and Equifax this a deliberate act of discrimination, I am displeased that you included the following information in my consumer report and that you have failed to maintain reasonable procedures in your operations to ensure the highest level of accuracy in the consumer report you publish. this grave error has damaged my confidence in your companys procedures, and because of this I will no longer be extending credit, and I will not be extending my consumer credit if this information is not removed
Consumer complaint received 2021-03-12
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. (NY)

Equifax, XXXX  and XXXX  have overused their power of being consumer reporting agencies. The misuse and unauthorized reporting, validating debt and other without my consent is unfair according to Congress Law. I have attached letters that I've previously sent via mail. These credit bureaus are not operating with the boundaries of FCRA and FDCPA.
Consumer complaint received 2022-09-18
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: Nelnet, Inc. (SD)

My loan was transferred from XXXX to Nelnet back in XXXX. I started to notice that my credit score was going down XXXX points each month to the present. I received a letter from them stating that my loan was set back into repayment and into forbearance. Since I applied for the borrower defense. You can see the capitalization interest they have prepared on the loan. Plus they are now reporting that I'm not making payments on my loan. I never once contacted them to have my loan put into forbearance through the repayment process. You can look through the applications on the borrower defense and I indicated I don't want it in forbearance while it's under review. Overall, my current student loans should be under forbearance, but that is for the XXXXXXXX XXXX  back in XXXX at XXXX percent interest. Under the current law, my credit shouldn't be affected at all. Nelnet keeps reporting to all the credit bureaus for the non-payment, which is hurting my credit on a monthly basis. I tried calling them and can't get a hold of them through their customer service department. The current hold times are over 2 hours long. Therefore, I can't get anything corrected with them.
Consumer complaint received 2015-06-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

US DEPARTMENT OF EDUCATION # XXXX is NOT a collection item and has NEVER been late. I have disputed this information over and over again with Equifax for them to delete the account or remove the false status codes that make this account inaccurately past due. i have contacted the US department of Education and i have been informed that they have alerted Equifax XXXX that this account should not be a derogatory item, it should not be reported as a collection and it should not be reported as having ever been late. They refuse to change or verify the information and i have repeatedly requested that they send me proof of an investigation and they refuse to send me any proof and or any verification as to their reasons for reporting it this way.
Consumer complaint received 2022-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (AZ)

Need to file against 2 companies for incorrect information on credit report XXXX XXXX, To date they have not report the account paid in full which was done of XX/XX/2022. 2. I have a letter stating they closed the account and was going to reported it closed and turn over as a collection account. I spoke to them and ask that they change it by disputing it with them and they said it would take 30 days back on XX/XX/2022 still not correct or showing paid in full as of XX/XX/2022 Second company is XXXX XXXX XXXX card for XXXX XXXX XXXX XXXX XXXX : I have several message back and forth with them wanting to know why they closed by account and reported it to the credit reports. This account was also paid in full on XX/XX/2022. They are telling me that prior to payoff amount that they had a return check from XXXX XXXX XXXX so that's why they closed my account. I have asked for proof and they will not supply it and won't dispute the account and correct it as they were asked.
Consumer complaint received 2022-09-18
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. (TX)

In Accordance with the FAIR credit REPORTING act everything has to be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigated but how is that possible if the " open date '' is inaccurate, the " date Last Active '' is inaccurate, and the date " Last reported '' is not accurate. This is grounds for removal they also violated my rights under 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 consent.
Consumer complaint received 2020-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am a victim of Identity theft someone stole my personal information to open fraudulent account. this is very stressful. I called the companies to report these account as fraud and i notice that these fraudulent Accounts is still showing on my credit report. I want these Account blocked from my credit
Consumer complaint received 2022-11-14
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: U.S. BANCORP (CA)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX US BANK, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for k purpose.
Consumer complaint received 2022-09-18
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: Coinbase, Inc. (SC)

Coinbase debit card. 
Debiting pending transactions Then when payment went through ( another debit ) but have not refunded pending debit. 6 times for total of {$600.00}. 
Dates and locations as follow : XX/XX/22 XXXX XXXX  # XXXX XXXXXXXX XXXX {$100.00} pending XXXX XXXX # XXXX XXXX {$100.00} ( transaction completed ) XX/XX/22 XXXX XXXX # XXXX XXXXXXXX XXXX {$100.00} pending XXXX XXXX # XXXX XXXX {$100.00} ( transaction completed ) XX/XX/22 XXXX XXXX # XXXX XXXXXXXX XXXX {$100.00} pending XXXX XXXX # XXXX XXXX {$100.00} ( transaction completed ) XX/XX/22 XXXX XXXX # XXXX XXXXXXXX XXXX {$100.00} pending XXXX XXXX # XXXX XXXX {$100.00} ( transaction completed ) XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX - XXXX XXXX - {$100.00} pending XXXX - XXXX XXXX - {$100.00} pending The above transaction were declined but and did not complete but still they debited {$100.00} each for pending. 

When I add up all the deposits to fund card and subtract debits. I am short {$600.00} I have contacted Coinbase several time by phone and email and have been issued a ticket number. I provided above info. I keep getting the run around. I know Coinbase laid off 18 % of their employees and are probably having trouble taking the time to review. 
I've seen other complaints on XXXX and one person got his problem solved thanks to you CFPB. 
I hope you can help. 
Thanks, XXXX XXXX
Consumer complaint received 2020-11-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION (NY)

My name is XXXX XXXX. My home address in XXXX XXXX XXXX, XXXX, NY XXXX. My loan number is XXXX. 

I have made several attempts to work with my mortgage company XXXX TIAA Bank XXXX on a solution for the amount owed to them due to the mortgage forbearance plan I took in XX/XX/2020 as a result of COVID-19. I have applied for a payment deferral in XX/XX/2020 however TIAA Bank has not yet provide me an update on my application and now they are requesting me to pay the entire amount due. I have started making regular mortgage payments since XX/XX/2020 but I can't afford to pay the entire amount due. TIAA Bank is unwilling to help me find a solution so I can stay in my home.
Consumer complaint received 2022-09-17
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. (AL)

I recently received a copy of my credit reports and found that the credit reporting agencies are illegally reporting inaccurate and false information about me. The following alleged accounts are listed as a collection with a balance This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards. 

According to the Fair Credit Reporting Act, I have the right to a fair and accurate credit report, and the credit reporting agencies are required to remove any information that is NOT TRUE, ACCURATE, AND VERIFIABLE. 
Please remove this inaccurate account information IMMEDIATELY from my credit report and send the updated report showing your compliance with all FCRA laws and METRO 2 Reporting Standards as well as these accounts removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX