davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-01
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. (MS)

I have requested a method of verification from Equifax XXXX XXXX on 3 Collection account bureaus refuse to deliver the message it is my right the account has been sold and paid for sale of the vehicle and XXXX XXXX does not have me in their system the information is an accurate on my credit report and Bureaus refused to remove the information or send requested METHOD OF VERIFICATION. 
ITS ILLEGAL AND THEY ARE NIT IN COMPLIANCE.. 
THANK YOU
Consumer complaint received 2018-11-01
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. (GA)

I did-not Authorize / Authorization the use of credit and/or view credit report, IDENTITY THEFT VICTIM - EQUIFAX DATA BREACH!!!!!!!!!!!!!!! 

@ @ @ @ @ @ @ @ XXXX @ @ @ @ @ @ @ @ @ @ @ @ @ Inquiry details XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX Equifax XXXX Inquiry from XX/XX/2018 Misc. 
XXXX XXXX Inquiry from XX/XX/2018 Misc. 
XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 Bank @ @ @ @ @ @ @ @ @ @ @ @ EQUIFAX @ @ @ @ @ @ @ @ @ @ @ @ Inquiry details XXXX XXXX, XXXX XXXX Inquiry from XX/XX/2018 XX/XX/2018
Consumer complaint received 2020-06-02
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)

I have sent all 3 credit bureaus, the proper paper work on the this bankruptcy, I have asked them to give me something in writing stating how they got this information, all I want them to due is verify how they got this information in order to put it on my report. I have typed proof, that the United States Bankruptcy court didn't report this to any of them, also I have a typed report from XXXX also stating that they don't report. and also XXXX XXXX stating that they didn't report. So please explain to me in writing how you all got this information, to put on my report.
Consumer complaint received 2018-03-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY (SC)

I've spoken to XXXX on numerous occasions and even filed a previous complaint. However in trying to get to the bottom of the issues I've have discovered new problems. One being a constant contradiction in information, I was told unverified student loans were given out for more than needed regarding educational expenses to help cover student financial situation while in school ... .. However is said on the promissory note you will not use funds for anything other than educational expenses ... .. which on the contract is signed with a computer generated x, ( not my signature ) nor was ever discussed. Secondly I was told when the loan was originated the interest rate was 15 % total amount paid would be XXXX XXXX. ( just recently discovered as disclosure was never given ) When I began paying the loan it was 5 %, and had changed as it is variable ( still waiting on the details of all interest rates ) yet I will still pay XXXX XXXX??? How is That? It should have changed with the changing interest. I was also never given the disclosure, when I called and asked for all documentation that would have been given on the day of origination I was given the promissory note but no disclosure, when I filed a complaint the disclosure was sent ... ..interesting. thirdly, I was told after 24 payments my cosigner would be dropped, wrong again must pass credit worthiness, which means a hard pull on my credit. Which I've already tried and was denied. I was denied to refinance with two separate cosigner, one of which was the original  cosigner. I can no longer afford payments and there is no help offered by XXXX. Ive already paid XXXX XXXX the loan was for XXXX XXXX and I still owe XXXX XXXX ... ... this loan has broke me and I'm left without options
Consumer complaint received 2019-09-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: SUNTRUST BANKS, INC. (SC)

On XX/XX/XXXX I purchased a used XXXX XXXX XXXX from XXXX XXXX XXXX and was approved by Sun Trust Bank that day for {$5500.00} - 60 months @ {$110.00}. 
On XX/XX/XXXX Sun Trust Bank sent me a letter saying after careful consideration they regret to approve my request. However, they would extend a offer of {$11000.00} for 72 months? 
I once had a checking account with SunTrust several years ago. I had gone in the bank and closed account. At the end of that month instead of telling XXXX XXXX the account was closed and the bank could not accept the automatic withdrawal. They charged my account up to {$200.00} in insufficient fund fees. When I paid XXXX with a money order the Bank got that money some how? I didnt have car insurance.
Consumer complaint received 2021-09-02
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, XXXX, XXXX in natural person, creditor, and consumer status MAKE OATH AND SAY THAT : I am providing this statement pursuant to 15 U.S. Code 1692a ( 3 ) consumer means any natural person obligated or allegedly obligated to pay any debt. Also pursuant to 15 U.S. Code 1681c-2 Block of information resulting from identity theft sent to, XXXX, Equifax, and XXXX  XX/XX/XXXX, XXXX Credit reporting agencies are not reporting accurate and fairness.
Consumer complaint received 2021-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Better Mortgage, Inc. (NJ)

We have refinanced our home on XX/XX/XXXX with " Better.com '' mortgage company. 
The mortgage terms include escrow for property taxes and insurance. 
They ( Better.com ) have serviced the mortgage with their servicing company called " XXXX XXXX XXXX ''. 
I was notified by Better.com that they have transferred my loan to a new mortgage company on XX/XX/XXXX. 
The new mortgage company is called " XXXX ''. 
The last payment to Better mortgage was automatically taken by " Better.com '' from my XXXX checking account on XX/XX/XXXX. 
I have received a letter from our town that the property taxes that were due on XXXX XXXX  were not received by them and that I am delinquent and that interest has started to accrue on the account. 
I called both mortgage servicing companies - the old one ( better.com ), and the new one XXXX XXXX XXXX. 
Better.com say that the it was the new company 's responsibility to pay the taxes, and they can't do anything about it. 
XXXX say that it was the previous company 's responsibility and that they can not do anything about it. 
I spent hors with them on the phone today, mostly waiting to be transferred to different departments. 
I can't understand how one company sells the loan to another, and both claim not to be responsible for the escrow payment to the town. 
Please help me, XXXX.
Consumer complaint received 2021-07-08
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. (CA)

There is loan showing on my credit that does not belong to me. I have submitted 2 disputes with Equifax on XX/XX/21 and XX/XX/21. Each time they have completed and closed their investigation confirming the account belongs to me. No information is being provided to me to confirm this debt is mine. I have contacted the company XXXX myself via email and calls. Over the phone they have not been able to locate an account with my personal information. I sent an email, no response. I contacted the XXXX on XX/XX/21 with no response from the company. I dont know how else to let Equifax know this account does not belong to me.
Consumer complaint received 2021-03-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation (OH)

My debt was resolved but it is still appearing on my credit report and the debt collector continues to contact me attempting to collect the debt. The debt is still appearing on my credit report because the company is attempting to collect. 

XXXX XXXX XXXX Last reported XX/XX/XXXX {$280.00} Open balance 10 XXXX XXXX XXXX Original creditor SNAPSHOT Opened XX/XX/XXXX ( 1 yrs, 1 mos ) Account status Open Type -- Responsibility Individual Remarks Dispute resolved ; customer disagrees Original creditor name 10 XXXX XXXX XXXX -- -- -- -- -- -- -- ITEM IN DISPUTE : PENN CREDIT CORP 10 XXXX XXXX XXXX DISPUTE REASON : Accuracy This account is settled. 

CONTACT INFORMATION PENN CREDIT XXXX XXXX, PA XXXX
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MA)

I mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after investigation with the same inaccurate information. 
The law states that if after any reinvestigation, under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation. ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. This is willful disregard of the FCRA.

In accordance with the Fair Credit Reporting Act below, the following accounts have 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 an account without my written instructions.

15 U.S.C. 1666b : A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason PERMISSION WAS NOT GIVEN TO FURNISH THIS INFORMATION
Consumer complaint received 2018-03-06
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (CT)

XXXX XXXX credit card for XXXX XXXX XXXX XXXX offered a promotional rate of 0 % for 24 months on a purchase. After 24 month period I was told by the staff member interest would start at a rate of around 27 %. Instead I received the full amount of interest charged throughout the 24 month period after expiration. {$2100.00} purchase now has {$1300.00} of interest due all at once. This was not explained at all. I call to question the charge and they said they offer a 30 day grace period after the promotion. They do not reach out to you or mention this anywhere so how could the consumer know it exists? My call was placed around 6 days after the grace period. They told me its too late. I offered to pay the full bill to avoid interest. They still said no and that I would have to pay. Its a rouse that needs to be addressed.
Consumer complaint received 2021-03-01
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. (MS)

I have multiple accounts on my report that are not mine. I have no idea what these accounts are and where they came from. I am asking for them to be removed as they could be opened as a result of identity theft or a mistake by the credit bureaus. I have attached a copy of the ftc report and two forms of ID
Consumer complaint received 2018-03-06
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. (OH)

SENT THREE LETTERS TO THIS COMPANY ASKING THEM TO REMOVE THESE CREDITS FROM MY REPORT BECAUSE THERE IS NO CONTRACT WITH THESE COMPANIES ; THEY ARE SHOWING THE ACCOUNTS AS CHARGED OFF AND CLOSED ; AND UNABLE TO PROVIDE PROOF OF DEBT. 
UNFAIR REPORTING XXXX XXXX XXXX ( REPORTING OPEN DATE AS XX/XX/XXXX ) XXXX XXXX XXXX ( REPORTING XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX UNIVERSITY XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-08-07
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)

EQUIFAX is violating the law in plain sight all while thumbing their nose at the CFPB rendering them powerless. They continue to say they've done an investigation of this Bankruptcy knowing full well the statutes which govern these investigations 15 U.S.C section 1681 was never followed. They're simply using e-OSCAR and their own internal data to keep this on my credit bureau report. The CFPB KNOWS THEY'RE not following the law in investigating this " have you spoken with neighbors, friends or coworkers, etc. ) as the statute dictates, rather allowing them to get away with these egregious acts. I went to the US Bankruptcy Court, XXXX XXXX of Texas, Clerk of the Court, XXXX XXXX 's office, they stated they neither report nor verify bankruptcies to credit bureaus. So, if Equifax says they've followed the law in investigating my complaint they're lying and the CFPB knows it, this is where the 2 % of responses to CFPB complaints comes from, then it begs is the CFPB reading consumer complaints or complicit in the lawlessness of the three major credit bureaus. How can they continue to be in violation of the Fair Credit Reporting Act without impunity? This account is unverified, and they know it. If the CFPB continues to allow consumer with no redress, where do we go to hold them accountable. It's in Equifax 's best interest to break the law and flaunt it, while I suffer, they make money off keeping this and selling it to 3rd parties, e-OSCAR is not proper validation, these companies need to be reined in or it will continue to look as if the CFPB is complicit. Make them follow the law and take this bk off my report.
Consumer complaint received 2021-07-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (CA)

I XXXX XXXX am appealing the loan modification denial. I am XXXX XXXX XXXX and a victim of elderly abuse. My son during the year XXXX pandemic was supposed to be paying the mortgage. But not until early XXXX did I realize he was not. I applied for a loan modification and have been denied. On my denial letter it states I do not make enough income to support my mortgage. That is incorrect, I have a pension and part time work and can afford the mortgage payment of {$2000.00}. It also states I was decline because the value of my property exceeds the balance of the loan. This is also incorrect. My property has equity and I am NOT upside down on the property.
Consumer complaint received 2021-03-01
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. (VA)

I had a XXXX  credit card issued in end XX/XX/XXXX and by XX/XX/XXXX, I called in and I paid the balance of {$410.00} ( shown in my XXXX XXXX XXXX  checking account attached on XX/XX/XXXX when the money was charged from my bank account ). 
Also, in the same day I called in, I closed my account XX/XX/XXXX. 
If you noticed from the attached credit bureau 's credit report it shows that the account has been " CHARGED OFF '' STARTING '' starting from XX/XX/XXXX till XX/XX/XXXX!!!! 
I made several dispute through the XXXX main credit bureaus ( XXXX XXXX Equifax XXXX and the first disputes for each, ended that what is mentioned in the report is correct and that XXXX notified them that the info they provided is correct under oath!!! 
However, XXXX came back and say there was an error in the reporting, but still there was " DISCHARGE '' for tow month after I PAID OFF my account in full and closed it myself.!!!!!! pls tell me how his works to discharge something that doesn't not exists!!! 
Then I called the XXXX themselves, and they promise to fix the problem with the XXXX credit bureaus, but instead I received an email form them ( attached ) stating that the problem is not from their side, it is the XXXX credit bureaus, they are the ones entering or interpretation wrong!!! 
So I replied to the XXXX email ( attached ). 
after I called XXXX again and make another dispute and the guy answered, he said he don't understand what is going on but I have to wait till the dispute is over, which yesterday I received a notification form XXXX  stating that the reporting is correct and will stay on my report!!!! 
You have all the proves that what I am saying is correct ( attached ) and even the credit card company is not disputing these facts at all XXXX that it has been paid in full and that I myself closed the account and the account was never been XXXX. 
Please note that all this happen in late XXXX and beginning of XXXX ( ended XX/XX/XXXX ). 
Kindly, I need your help and assistant in solving this matter especially and as you can see in my other open CC account, I am paying my payments on time " exceptional '' as the credit bureaus stated in their report and this paid in full and closed in time, XXXX cc, is the only cc showing " delinquent ''.
Consumer complaint received 2022-10-05
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)

Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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 2022-04-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

On XX/XX/2017 Portfolio Recovery Associates , LLC, opened a collection. 

Account # : XXXX {$610.00} that I owe I have never signed any written documentation saying I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 

I do not know who they are and have not written any consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 

Please have this removed from all three credit bureaus. 

XXXX XXXX
Consumer complaint received 2021-03-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (CA)

XX/XX/2021 i purchased a netspend card loading {$150.00}. When I tried activating it i was informed to contact support. Upon contacting support I was then told I was not allowed to do business with netspend and they would send me my refund i a form of a check 7-10 business days. Well its been a month, Ive called them repeatedly and each time they go over the same information asking my address and so fourth to make sure my check is mailed to the correct address. Still no check, I called two weeks ago asking to speak to a supervisor whom then notified me they had the wrong address on the check that was mailed, which i was suppose to get on the XXXX of XXXX. So we go over the info again and i again give my correct address. Still no check. I called today XX/XX/XXXX and asked what was going on the cs rep then tells me there was a notation on my account statin that the address i provided wasnt the address I had originally activated my card with. I asked to speak with a supervisor and i was then disconnected. This has made me fail in my college courses due to these fund were meant for books that were required. This is crazy please help
Consumer complaint received 2021-03-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NPAS, Inc. (FL)

NPAS collection agency, working on behalf of XXXX XXXX XXXX XXXX ( XXXX ) is attempting to collect a debt I know nothing about. In XX/XX/2021 NPAS started calling about a hospital bill that wasn't supposedly paid ; two years after the birth of my child. XXXX has all of my insurance which has been provided to them numerous times. On XX/XX/2021, I spoke with XXXX and gave her all of this information, for the XXXX time! When I ask for a Reference Number, Invoice, bill or tangible documentation they say there is no Reference Number or Invoice, just call back in 30 days. 
Today I called to follow up and spoke with XXXX who said the claim wasn't paid because the information " couldn't be verified and now they could resubmit it to XXXX. '' Also, they've been trying to contact us numerous times during the month of XXXX which is documented in their system. This is a completely false statement! No one has called me to follow up or try and verify any information. Furthermore, when I asked what address the numerous letters were sent they gave me the old address ; which I updated on XX/XX/2021, with XXXX and numerous times prior to that. 
After I asked to speak with XXXX XXXX manager she transferred back to the switchboard and I eventually spoke to XXXX. XXXX stated, " they're sorry they had old information and they have to resubmit the claim. '' XXXX XXXX XXXX XXXX and NPAS and engaging in fraudulent and frivolous billing, deceitful tactics, not being transparent, and making false statements. I've given the Hospital and this billing company all of my insurance information numerous times over the past two years ; they've had this information since day one. If the hospital or NPAS didn't file a claim in a timely manner directly attributed to their failure then they can't debt me to debt collection two years later and have a debt collection agency engage in fraudulent activity while making numerous completely false statements and pretending to send the documentation that doesn't exist.