davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-31
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. (MS)

In accordance with the Fair Credit Reporting Act, XXXX  XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, Account # XXXX, Account # XXXX, DPED XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX Account # - XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX XXXX  Account # 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
Consumer complaint received 2022-05-31
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: Nicholas Financial Inc. (IL)

In accordance with the fair credit Reporting act XXXX Accounts  # XXXX, 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 an 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 any purpose.
Consumer complaint received 2019-08-02
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC. (TX)

My complaint is that I recieved an offer to settle a debt from XXXX XXXX XXXX XXXX, on behalf of Navient Solutions, but they refuse to communicate or even acknowledge the reciept of negotiation requests from me or my lawyer. I had my lawyer respond to the settlement letter and reach out to both the collection agency and Navient on multiple occasions and both agencies refuse to respond. Each time I speak to Navient about the attempts to negotiate, they claim there is no record, so then we send more letters and my lawyer attempts to contact them both.
Consumer complaint received 2022-05-31
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. (MA)

I have contacted each creditor and consumer reporting agency in regards to the accounts listed below. and quoted the same FCRA subsection. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account # XXXX XXXX XXXX Account # XXXX, XXXX, XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX Account # 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 2022-05-31
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 account # XXXX XXXX  XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the rights to privacy 15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency connot furnish an account without my written instructions
Consumer complaint received 2022-05-31
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: EQUIFAX, INC. (TX)

I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and ask to please remove the fraudulent information immediately from my file. I have sent all documentation to your offices and they have not removed them. You are violating my FCRA rights. I want the following deleted. 

XX/XX/2022 XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NJ)

I have a credit card with Citi bank with about 65K Thankyou Points in the account. The bank closed my account by mistake and claimed that I requested to closed it. However, I never made that request. Also, I contacted them many times and ask to re-open the account. Each time, the representitive told me they would investigate the case and contact me later. But they never contacted me. Here are some details. 

As the annual fee was posted, I called cumstomer service on about XX/XX/XXXX to inquiry if they had some retention offer to cover the fee. After getting the answer 'no ', I asked if I could get refund if I closed the account. The representitive gave an answer 'yes ' and told me that I could get refund util 37 days later. Then I said I would think about it and hang up. 

About 1 month later ( as the deadline approaching ), I contact Citi bank again through online chat to redeem the Thankyou Points. However, I was told that my account was just closed ( showed closed on XX/XX/XXXX. ). And the reason is that customer requests to close the account. I argued that I was just inquirying the option and never asked to close it. Also, I requested to re-open the account. The representitive told me that a hard inquiry will be pulled. I argued that it was the bank 's mistake, so they can not pull my credit to reopen my account. The representitive also told me that my Thankyou points will expire 60 days after account close. I said I need to think about how to redeem the points and end the chat. 

Several days later, I saw XXXX XXXX XXXX has a bonus of 25 % additional points to redeem the Thankyou Point. So I called Citi bank again, but was told that I can not redeem Thankyou Points to XXXX, as the account was closed. Again, I claimed that that's the bank 's mistake and they should re-open my account. The representitive told me a case was setup, their bankend team will investigate it and contact me later. I said that's not enough, I want to file a complaint. The representitive help to do it and told me the case number. 

However, many days passed, no one contacted me. I had to call the bank again. I asked to escalate the case and insisted to talk to a supervisor. The supervisor told me she could file a case for the backend team to review the phone call record and see if they could re-opne my account without a hard inquiry. And I would get a notification by mail. However, it's more than 10 days. I get nothing and my account is still closed
Consumer complaint received 2022-05-31
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. (MS)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-10-17
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: CITIBANK, N.A. (IL)

XXXX XXXX {$740.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT MACYS/CBNA {$600.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX {$4000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT Account Number XXXX Account Number XXXX Account Number XXXX
Consumer complaint received 2019-08-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BB&T CORPORATION (FL)

On XX/XX/2017, I received a settlement check from XXXX XXXX XXXX for repairs on the subject property. It is the common practice for the lender to either endorsed the check and return to the homeowners, pay directly to the contractor, or issue draws upon receipt of work completed. Pursuant to the promissory note, the homeowner has every obligation to protect the property. The check was sent to servicer BB & T multiples times to no avail. The servicer claims they can not find my account on their records. XXXX XXXX has issued more than 4 checks, and all have expired due to BB & T negligence. On XX/XX/2017, my line of credit with BB & T reached its maturity date. I meet with BB & T officials to either extend the credit limit or refinance. While the application was on going BB & T filed a foreclosure action then said could not proceed with the application. Ive never missed any payments in fact till today I'm making payments and being return by the servicer. The servicer is using this excuse to claim they can not find my name or loan number with their company. My roof needs repairs before it falls on my head.. See attached BB & T correspondence refusing to even acknowledge that I have
Consumer complaint received 2022-05-31
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 been trying to dispute this account with XXXX for a couple of months now, i tried to get information from XXXX  but they couldnt provide me with anything and the company calling me isnt the original creditor and couldnt provide me with any information on this account. I called the CRAs and they were unable to help me everyone is giving me the run around. i have no relationship with XXXX and never agreed to this alleged debt. this account with XXXX is a result of fraud please cease any attempt to collect this debt and please remove it from my credit report it is causing me extreme stress when they call me about an alleged debt that i did not agree to pay. please remove me from any call systems and please stop all attempts to collect on this fraudulent account.
Consumer complaint received 2019-08-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (PA)

I was behind with my mortgage payments and was approved for a trial modification that was affordable to pay at the time and was approved for funds to pay the amount I was behind with. My lenders was transferred to another lender and was told they will not honor the agreement and I had to reapply and was given a higher rate with a longer term to repay it back.
Consumer complaint received 2022-10-06
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: R.M. Galicia, Inc. (CA)

XX/XX/2018 I visited XXXX XXXX for a cardio check up due to XXXX XXXX. I have insurance through XXXX XXXX XXXX. Some tests were ran then I left an hour later. In the mail I received a letter asking me to pay {$3400.00}. Maybe it was more, but as of now I see that amount. I researched the collection agency and they arent authorized to conduct business in California where I am located. I have documents attached showing the states they are authorized to conduct business in. California isnt one of them.
Consumer complaint received 2022-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have submitted disputes to you and did not get a response within XXXX days, and you all are required by law to do so. Please investigate my disputes, please. Thank you.
Consumer complaint received 2021-04-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK (IA)

On XX/XX/2021 I received correspondence in the mail from Discover that violates several of my federal rights. On XX/XX/2021 I sent a notarized affidavit with exhibits to highlight the serious violation of federal law that this company committed. I intend to pursue this matter to the fullest extent of the law being that this company violated my rights and federal law in the process. Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Discover is in violation of 15 USC 1692b ( 2 ), 15 USC 1692b ( 5 ) and 15 USC 1692d ( 1 )
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

My name is XXXX 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 2022-05-31
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)

XXXX DATE:XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  Dispute Department XXXX XXXX XXXX  XXXX, Texas XXXX XXXX XXXX Solutions XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX . I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXXXXXX 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 XXXXXXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman XXXX XXXX, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. I look forward to an expedite resolution of this matter Thank you. XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX
Consumer complaint received 2022-10-06
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. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-05-15
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. (NV)

My current situation is, that I have been victim of fraud, since my XXXX XXXX XXXX account was hacked.Were I was denied from the total access into my personal customer portal.Consequences of this evil criminal action.Honestly, i'm facing the worse nightmare ever.So whoever took ownership of my hacked account.Had the audacity to contacted every single individual from my XXXX friends list, a total of XXXX persons, wich i consider long amount.Using my identity, trying to obtain personal data information from them, for financial purposes.After this incident was brought to my attention, immediately I report my problem to the XXXX customer support.Staff members, that haven't reply me back till today 's date.Then a couple days after.I couldn't access my chat messenger app, also from my two primary electronic emails address, we're I used to receive all my important personal events.Some of my debit prepaid bank cards was compromised, matter that is taking care already.Plus on my credit report it shows a dramatically amount of credit inquiries, the ones are impacting negatively into my current score.I start receiving emails orders confirmations from XXXX, XXXX, non authorized XXXX & XXXX XXXX  payments, regular phone text messages referring to personal loans, car purchases, such utilities bills debts that are not common, following thoses steps measures.So, after all this unexpected things start happening, i went to a local police station to file a report.There, the officers provided me a list with the steps for me to follow in order to resolve my concern.I filed a federal trade commission report fraud ( # XXXX ), another report to the XXXX & i contact my 3 credit report bureau placing an alert fraud & blocking the access to any of my personal info.
Consumer complaint received 2019-08-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALCHRO INC. (FL)

I would like for this to be removed off my credit ; as they are unable to provide details that I sign stating I would be responsible for any balance that's unpaid by insurance ; this doctor office accept Medicaid patient and should've billed Medicaid for any unpaid balance. they can not provide any sign details that I sign stating they can put this on my credit. The calls are getting very aggravating and disrespectful. This is a HIPPA violation.
Consumer complaint received 2019-08-02
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The CBE Group, Inc. (OK)

On XX/XX/2019, I was contacted by a man named XXXX representing a company called CBE Group claiming that I owe {$1700.00} to the Veteran 's Affairs Treasury. They claim that I was being overpaid and that they want to know how I plan to pay them back.I called my local financial office to view if the claims where true to which I have been told that I owe no debts and no financial statements have been mailed to me. So far I have collected his phone number ( XXXX ) and have collected the number in which the call came from ( XXXX ). I have not given this man my personal information.
Consumer complaint received 2016-10-18
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (WA)

I refinanced my loan, and had an escrow balance of {$1900.00} to be refunded to me when I looked at my account after it had been paid off. When I received the check, they shorted me {$100.00} and only paid me {$1800.00}. I called and they said it was Mortgage Insurance paid on XXXX/XXXX/16 when my refinance closed on XXXX/XXXX/16. They said it was in arrears. I asked my lender if this sounded right he said no that they only way that would happen is I 've been late or missed a payment. I 've never been late on a payment, my Mortgage Insurance started with my first payment and I should n't have been shorted. I would like help with this please.