davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-12
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. (GA)

Personal Statement XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date : XX/XX/XXXX I wish to state that I am a victim of multiple fraudulent events and identity thefts. Beginning with the Equifax breach exposing my driver 's license and social security number on the XXXX XXXX, followed by the theft of my vehicle on XX/XX/XXXX with my cell phone and multiple personal items never recovered ( please see police report ), leading into and throughout the worldwide pandemic, my financial position of strength, with scores in the lower to mid-700 's with each of the 3 main credit bureaus, was systematically destroyed in favor of lenders, collectors, credit bureaus, & other unrecognized predators.

People should not have to lobby for an act of Congress to receive basic financial protections each time they encounter difficulties, whether it is a lost job, being declared unemployable ( due to service-connected military injuries ), a death in the family, or a national or global crisis. Even during non-pandemic times, millions of Americans experience disruptions each year, leaving them to navigate the problematic credit bureaucracy with very few substantive protections.

The problem is that loan servicers, debt collectors, and credit reporting companies work for lenders, not borrowers, so they have little motivation to help. Consumers, like me, are caught we can not escape, unable to choose, or walk away from these companies. 
This statement is only the beginning of my revelation, of how I, a 100 % service-connected XXXX veteran, responsible citizen - has never been protected from the credit ecosystem, the CARES Act, the credit bureaus repeatedly requested to provide evidence and validation of erroneous accounts. 
They have violated my consumer rights and financial stability. I can not purchase a home of my own as I am entitled, through the VA and Department of Defense. Care for me as our financial institutions! The following lenders, collection agencies, thieves, con-artists, and other bullies in the credit game are being, and will continue to be, exposed for all the reasons I have stated thus far, and per my rights under the FTC, FCRA, FCBA, FDCPA, Attorneys General, Veterans Administration, Department of Defense, Local, State and Federal Government and the media ( all accounts except 4 are included on the attached FTC ID Theft Reports. The other 4, are in violation of the CARES Act and continue to report inaccurate data to the credit bureaus, despite constant communication with each ) : 1. XXXX XXXX 2. XXXX  XXXX XXXX, XXXX 3. XXXX XXXX XXXX, XXXX 4. XXXX XXXX XXXX, {$2100.00} 5. XXXX XXXX, Original Creditor : XXXX XXXX XXXX XXXX, Collection Company XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , Creditors & Credit Bureaus Reporting in Violation of CARES Act & Terms of Negotiations/Agreements During Worldwide Pandemic 1. XXXX  XXXX  - 2. XXXX XXXX  3. XXXX 4. XXXX XXXX
Consumer complaint received 2022-01-04
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. (PA)

I found fraudulent accounts on my credit report so i filed a police report and submitted the police report to all the credit reporting agencies. XXXX accused me a submitting a fraudulent police report and did not fix my report. and they removed a item but my score did not change and its been months. I feel they are not going by the law of the fair credit reporting act. Please help!
Consumer complaint received 2021-07-12
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)

As of a report that I obtained on XX/XX/2021, Equifax is in direct violation of multiple FCRA laws by reporting 4 the following alleged, invalidated debts in their database as derogatories, collections, and charge-off accounts : XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. Equifax is is violation of the following FCRA statutes : 15 USC 1681, 15 USC 1692, and 15 USC 6802. 

I have notified Equifax via mail with supporting documentation that they are in violation of these statutes and that they need to remove this information from their database. I've spoken to them over the phone multiple times verifying that they have received the documentation, which their representatives did confirm receipt but they have refused to remove the alleged, invalidated debts. Which is why I am now reporting Equifax to the CFPB.
Consumer complaint received 2021-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: SYNCHRONY FINANCIAL (KY)

Why can ; t we qualify for Credit. I have bought from lowes for years. This is dirty pool being regeted again and again. WE have bought 2 XXXX, 2 XXXX  XXXX XXXX XXXXs 3 XXXX, XXXX XXXX XXXXr and e2e XXXX and 2 XXXX So Why am i DEFINED a LOEWS CREDIT CARD/?? what do i have to do? Buy the company. jJust wanted to tell you its not a very fair conquest. Perhaps i will go to big XXXX, d They gave me a cafd but i prefer LOWES depending onwhat becomes of this situation d
Consumer complaint received 2021-07-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I have sent credit bureaus letters since the beginning of XXXX. To this date, I have sent FOUR letters to EACH, which I let them know what the errors are. All the bureuas have done is change numbers in the accounts which are STILL wrong ( date of last activity, amounts, balances, last reported, date opened, some show open status but are collections etc. ) I still see everything on my report so I am reaching out to you, in hopes of resolving the issue and getting these accounts DELETED from my reports. I have attached my report so you can see exactly. 

I sent letters on XXXX XXXX XXXX XXXX ACCOUNTS WITH ERRORS THAT SHOULD BE DELETED. 

XXXX XXXX XXXX XXXXXXXX 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 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 XXXXXXXX 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 2018-05-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please remove the following fraudulent inquiries from my TransUnion credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2016-09-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (OH)

I really just wanted to say to you guys that you take the time out to sue XXXX over credit cards!!!!!! really!!!!! you also sued ocwen loan co for their fraudulent impropoper practices but just let them keep doing it after they have been sued,,,,, ,they and wells fargo are now taking our home bc you guys do n't do your job!!!! thanks for being there for us homeowners begging you for help ... I think your all crooked!!!!! I honestly believe you are all in on it together!!!!! shame on you all!!!!!!!
Consumer complaint received 2021-07-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: CITIBANK, N.A. (TX)

I am getting a hit to my credit every month that reads this : XXXX. XXXX, XXXX Delinquent Account Account Number : XXXX CITIBANK , N.A . 
Student Loans XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount Delinquent : {$1500.00} Consumer Statement : Profit and loss write-off I also have several closed loan accounts that were closed in XXXX and XXXX during the class action suit against Citibank for {$3.00} XXXX. I think that I am also due a refund.
Consumer complaint received 2021-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (GA)

I have reached out numerous times pertaining to my issue dealing with reporting inaccurate information on my credit report. I am now going to provide you with the list of violations you have committed against me as the " CONSUMER '' and the " ORIGINAL CREDITOR ''. Far too long I have allowed you to violate me due to my lack of knowledge. 
For starters you are in direct violation of FCRA 15 USC 1681e ( b ) my reports are supposed to be 100 % accurate not 99 %!

Now we can now address 15 USC 1681 b ( a ) ( 2 ) which states that I have to give you written permission to furnish anything on " MY CREDIT REPORT '' in which I have not.

You are also in violation of 15 USC 1681i. I have attached your response below when I asked you to investigate, you said you were not required to reinvestigate this item in which that is false. If you did reinvestigate this information you would see that the payment status is incorrect across several accounts XXXX images attached below ). 
Now if all of those violations are not enough for grounds of removal look very close and pay attention as I will now go into depth with you so follow close and learn!!!!

FCRA 1681a ( 2 ) ( b ) under the exclusions section states that " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device : if you look at the definition of a credit card under 15 USC 1602 it states that it is " ANY card, PLATE, coupon, book or other credit device existing for the purpose of obtaining money, property, labor, SERVICES, on credit ''. If you don't remove these accounts you are civilly liable for reporting these inaccurate accounts. I will be sending this to you as well via priority mail. I look forward to your response. Lol
Consumer complaint received 2021-07-11
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

Synchrony Bank, Abruptly closed my account for no reason I continued to pay my balance in full every month. I called company to get the reasoning she placed me on hold for 10 minutes couldn't give me a solid reason to closing my account.
Consumer complaint received 2021-07-12
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)

THIS IS MY SECOND TIME DIPSUTING THESE FRAUDULENT ACCOUNTS. THIS IS A VIOLATION OF MY RIGHTS AND ITS CAUSING MYSELF AND MY FAMILY HARDSHIP THAT SOMEONE WAS ALLOWED TO USE MY INFO TO OPEN THESE ACCOUNTS. PLEASE REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT PROFILE.
Consumer complaint received 2021-07-11
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated (NV)

I have the Way2Go card from nevada. I can not activate it because the information they have for the card does not match my SSN or DOB. So I am without money last week, and now probably this week ... I have used the website to try and solve this, I have used the app, and I have tried calling. 

The fact that the company can not even connect a card they sent me with my name on it, with my correct information. Makes me feel like I can't trust them with any information ... this is my SSN we are talking about, my life. And these people are playing games
Consumer complaint received 2022-08-04
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: Experian Information Solutions Inc. (CA)

Experian has assumed this role without my permission, and did not exercise their GRAVE responsibility. They have been UNFAIR and IMPARTIAL and did not protect my privacy.

Pursuant to 15 US 1681B ( 2 ) In accordance with the written instructions of the consumer to whom it relates
Consumer complaint received 2016-05-12
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: AMERICAN EXPRESS COMPANY (MA)

My mother, XXXX XXXX, died on XXXX XXXX, 2011 and shortly after an electronic application for a credit card with American Express was submitted using her date of birth and the name XXXX XXXX. The address used was in XXXX, Massachusetts. I have not been able to obtain a copy of the electronic submission. I am the executor of the estate.
Consumer complaint received 2021-07-09
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. (OH)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2021-07-10
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)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
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. (LA)

This complaint is continued to my previous complaints listed below : XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report Equifax Credit Bureau XX/XX/2022 Open Sent to company XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXX consumer fraud division XX/XX/2022 Open Sent to company XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXX ( Fraud Victim Assistance Department XXXX XX/XX/2022 Open I provide a police report which I forgot to upload in my last complaint
Consumer complaint received 2018-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

During XX/XX/2017, XXXX XXXX  negotiated with XXXX - XXXX regarding my outstanding balance. An agreement was reached and I have been paying my payments monthly since XX/XX/2017 without any interruptions. However, XXXX is showing my account as a charge off even though they are currently taking and receiving payments for my account. This is causing stress and time to continually go back and forth with XXXX that I hired XXXX  XXXX XXXX to help. To this date, XXXX XXXX XXXX have not been successful either. Please resolve.
Consumer complaint received 2021-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (CA)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2021-07-11
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. (TN)

I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX  XXXX and the Creditors ( XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX  ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Consumer complaint received 2016-11-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/XXXX, I received my XXXX file. File number XXXX. What was reported by Bank of America, my mortgage loan was that I have a Fixed Rate Mortgage. It was reported twice. The first date it was reported was on XX/XX/XXXX as a Fixed Rate. The second date was reported on XX/XX/XXXX. First and foremost, I have not refinanced my mortgage with Bank of America. My loan was bought when Countrywide Home Loans was purchased by Bank of America. I have never had a FIXED RATE MORTGAGE with Countrywide Home Loans or with Bank of America. I have a 30 year Conventional Adjustment Rate Mortgage. I have taken pictures of what was reported to XXXX. Additionally, I 've taken a picture of my latest mortgage statement that shows I have a 30 year Adjustable Rate Mortgage, that is affiliated with the one year Libor. My mortgage rate is adjusted every year. My new monthly mortgage payments change on the first month of XXXX of every year. Please investigate this matter thoroughly. As I do think Bank of America was colluding with XXXX and XXXX. My Bank of America Account number is XXXX. My XXXX Equity Line of Credit number was XXXX. My XXXX Account Mortgage Account number was XXXX. I, honestly believe I 'm a victim of Libor Rigging Scandal. Or a victim of Credit Debt Swapping.
Consumer complaint received 2021-07-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: PNC Bank N.A. (OH)

I feel I am being discriminated against due to my zip code and numerous complaints I have made regarding this process with PNC bank. My phone calls are not being returned. I am continually asked for the same documents I have submitted two and three times. I have filed internal complaints. There has been no resolution. I do not receive any communication regarding my Refi unless I reach out to the call center. The only way I know where I am along the process is I call every three weeks and wait on the phone anywhere from 1-2 hours. I started this process in XXXX of 2021, and it is now XX/XX/2021.
Consumer complaint received 2021-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (OH)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either