davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-29
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)

FRAUDULENT ACCOUNTS XXXX ) XXXX XXXX  AMOUNT XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX {$320.00} DATE XX/XX/XXXX FRAUDULENT INQUIRIES XXXX ) XXXX XXXXXXXX XX/XX/XXXX XXXX ) XXXX  XXXX XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX ) XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX ) XXXX XXXX  XX/XX/XXXX XXXX ) XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXXXX/XX/XXXX INCORRECT ADDRESSES XXXX ) XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX aacordance with the fair credit rereporting act These 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 a account without my written intructions
Consumer complaint received 2022-11-09
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. (SC)

In accordance with the federal credit reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy.. 15 USC 1681 section 604A section 2 also says a consumer reporting agency can not furnish an account without my written instructions there 15 USC 1666 section b a creditor may not treat a payment on a credit card account under an open and consumer as late for any purpose.. I sent a hand written letter with all the negative accounts that are not mine.
Consumer complaint received 2022-07-20
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. (NJ)

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
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
Consumer complaint received 2022-03-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CMI Group, Inc. (GA)

Was notified via mail by Credit Management L.P. in which i responded withing 2 days to dispute the validity of the debt owed, I specifically asked for validation of the debt which i sent via certified letter which Ive attached to this complaint, Credit management never responded within the 30 days allotted by law, Credit management knowingly added this debt to my credit file without validating this debt as i demanded. 

Proof of my request will be attached to this complaint.
Consumer complaint received 2022-03-17
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. (MO)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over XXXX days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the XXXX XXXX XXXX the bureaus have to report XXXX percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2022-03-17
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. (TN)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section XXXX ( XXXX ) of the XXXX, these accounts must be removed within XXXX business days of reciept of this report. 
Failure to do so is a violation of my rights.
Consumer complaint received 2016-06-27
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Asset Management Outsourcing, Inc. (DC)

Threatened to sue me on debt that is not mind. I have requested for validation and verification, but to no avail. I never been to any hospital, nor any doctors. An now these people are calling and threating to take me to court.
Consumer complaint received 2016-06-24
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: TekCollect Inc. (SC)

XXXX XXXX XXXX, doing business for XXXX XXXX XXXX, XXXX after a terrible not-at-fault car accident, the rest of all hospital bills were covered by the at-fault drivers insurance company, XXXX. They refused to take payment and remove this collection upon settlement. They would much rather have this listed as a collection on my credit report than have their money!!! This defies logic and I want this removed immediately.
Consumer complaint received 2022-11-09
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: Foursight Holding LLC (VA)

I have no knowledge of the accounts listed below. The accounts were place on my credit report that seems to be fraud activity. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX attempted to dispute they would not removed the fraud inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX knowledge of account XXXX foursight capital XXXX -this inquiry is on my credit report twice and is fraud XXXX XXXX XXXX XXXX XXXX XXXX fraud I have no knowledge of account XXXX XXXX XXXX XXXX fraud account is on credit report twice XXXX XXXX XXXX XXXX fraud account XXXX XXXX XXXX XXXX XXXX fraud account XXXX XXXX XXXX XXXX XXXX XXXX fraud account XXXX XXXX XXXX fraud account XXXX XXXX XXXX XXXX  fraud account XXXX XXXX XXXX XXXX fraud account XXXX XXXX XXXX XXXX fraud account XXXX XXXX XXXX XXXXXXXX fraud account XXXX XXXX XXXX XXXX XXXX XXXX fraud account XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX fraud account
Consumer complaint received 2022-03-17
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: EQUIFAX, INC. (FL)

I NEVER SIGNED AN AGREEMENT WITH THIS CREDITOR. THIS IS NOT THE ORIGINAL CREDITOR. THIS IS A DUPLICATE ACCOUNT. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-09-14
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

During 2013 Citibank received {$27000.00} in error from my XXXX checking account. Citibank can produce no charges made on my card during that period of time. The overpayments go back quite a bit further but for the purposes of this complaint I would like to point out the error in billing as well as produce evidence of my payments being made from my XXXX checking account during 2013. 
That was the year my son was involved in a XXXX accident leaving him XXXX injured suffering from a XXXX XXXX XXXX and XXXX. We desperately need the overpayment back in order to continue his XXXX. If I am in error, I apologize in advance and ask only that you confirm by producing evidence of those charges. If not, I demand an immediate return of the payments transferred to Citibank in error. I will include some of the statements confirming money was transferred to Citibank from my personal checking account. The joint account holder with this card can not produce any records and has refused to cooperate as a result of divorce. However we have equal rights to the information which was part of my own credit score and the payments made from my own account which my monthly paychecks were deposited into. If Citibank feels my understanding my consumer rights is flawed, please provide your own interpretation of consumer laws which allows for Citibank to charge a consumer their hard earned money, hold them accountable for those charges subject to negative reporting on their credit score, and yet claim you have no obligation to produce corresponding debt. Currently Citibank has produced no evidence any money was owed. If you are unable to produce that evidence then I 'd like the overpayments returned. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2023-03-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (IL)

When the XXXX admin announced the student loan forgiveness, I was eligible to have my payments from XX/XX/XXXX thru current date refunded. At the time of the plan 's initial rollout I had already paid my student loans completely off. However, in accordance with the XXXX plan I was able to request all my payments from XX/XX/XXXX to XX/XX/XXXX be refunded to my account and a check mailed to me, or an electronic deposit. I called Nelnet in XXXX or XXXX to have my refund initiated. After a few weeks I saw the balance reappear in my Nelnet account, approximately XXXX XXXX dollars. I then waited many months for the electronic deposit or the paper check to " balance '' this out. I have not yet received such payment. I have called them at least XXXX separate times since last fall to try to get the update on where my money is and every time they say the federal reserve is backed up. However I have also seen and heard countless people doing the exact same tjing as me and they get their refund in a timely manner. I am afraid that if I do not get this check, I will be on the hook for the XXXX XXXX dollars in my account balance, and that is unfair because technically I already paid that off. The studentaid.gov website says that lenders are to refund borrowers via XXXX XXXX that they initially paid in. All my loan payments were made electronically, and therefore a refund should be processed and sent electronically. This process shouldn't take XXXX freaking months. I have tried being nice on the phone every single time and I am at my wits end. Student loan repayments are to be continued this year and I do NOT plan on sending payments to pay a " ghost balance '' in my account to keep my credit score up. I need you guys to force their hand and have the check mailed to me immediately. Thank you.
Consumer complaint received 2015-10-24
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (AL)

I am XXXX of the XXXX effected by the rushcard scam or whatever happened that they took everyone 's money for 2 weeks and my account was messed up and caused bills to pile up and bills to bounce and I have late fees and missing money from my direct deposit.
Consumer complaint received 2019-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (PA)

I had 3 credit accounts opened using my social security number for a business account in XXXX. I contacted these companies and informed them I did not opened these accounts and they were removed from my credit file. 
In XXXX Chase informed me they were opened by a business in Florida, I never worked for or had any knowledge of. These accounts were never verified. I moved from XXXX  to XXXX  in XXXX. In XXXX Accounts from Chase, XXXX XXXX, and XXXX XXXX were removed from my credit file. They were opened without my knowledge. 
I have checked my credit scores monthly and my credit report yearly since that happened through there poor banking processes. My scores have been excellent since. Then I was informed my social security number was breached by XXXX. I received my scores with no change until XXXX. Chase reported a delinquent credit account in my file that was closed in XX/XX/XXXX. I had no knowledge on this account for over nine years. I have asked Chase to provide me with information of this account and they have failed to comply. Chase is negligent in opening this additional credit account XXXX with out my knowledge. They need to remove it from my file. Their poor banking processes has harmed my ability to show I can manage money. I was never contacted by Chase regarding this credit account, they need to promptly remove it from my file.
Consumer complaint received 2022-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (ID)

I was asked to deposit check by an individual and then transfer the funds via XXXX to pay for services. The checks turned out to be fraudulent. I contacted my bank and I was told u would need to take it up with XXXX. I did so and after a long discussion and sharing of documents XXXX stated they have a sincere desire to return all of the funds from the 5 transactions. I was told to instruct my financial institution to do a charge back. When I contacted my financial institution and the individual I had spoke to they told me that they can not do this, even after reading the instruction sent to me by XXXX they still refused to assist in returning these funds
Consumer complaint received 2020-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (VA)

This involves LEXISNEXIS reporting agency. I have requested a copy of my report several times from this company. I get a summary, and a " link '' to view the report online, and it generates a password-protected, one-time access report. I am unable to print the report, or view it due to their archaic system. What I *DID* see contained many errors. When Incall the company, I am connected with an offshore call center in the XXXX. Foreign nationals should NOT have access to the private information of US Citizens, and I would suggest that this violates the intent AND spirit of the FCRA. I have been trying to get a hard copy of my LN report since XX/XX/2020, with no success.
Consumer complaint received 2016-02-02
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Century Credit & Collections, LLC (CA)

I have mailed this collection company requesting debt validation. But have only received a letter of " an attempt to collect '' with my name and a total of how much I owe. with no other information or proof from an original creditor/company, showing that i owe this amount of money.
Consumer complaint received 2022-03-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (OH)

I am currently incarcerated, my information was used to open credit accounts without my consent or knowledge. Recently, I got married and allowed my wife to check my credit reports only to see inaccurate and fraudulent information being reported. I have recently ( XX/XX/2022 ) sent out letters with proof of incarceration to each company reported on my 3 credit reports.
Consumer complaint received 2022-03-16
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL (MD)

I have a PayPal line of credit ( credit card ) and pay monthly for credit protection. I have been attempting to file a claim ( loss of employment ) for over XXXXwo months. The credit protection - about $ XXXX per month, is being charged through Synchrony Bank XXXX For the past two months the Synchrony Bank site has not been working. This is accessed from the PayPal site. I have complained to both PayPal and Synchrony Bank and was told that they are having website problems. For the past two months, I have been charged the credit protection fee, which has caused me to exceed my limit. I spoke with PayPal and Synchrony Bank four times - twice in XXXX and twice in XXXX- with the last contact on XX/XX/2022. No one will help me at PayPal or Synchrony Bank.
Consumer complaint received 2023-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2022-07-20
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX the below account numbers has violated my rights. 

Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX FACT 15 U.S.C 1681 Section 602 A. States that I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2015-12-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (OH)

On my mortgage with Ocwen Loan Servicing # XXXX I am continually being charged a fee of {$16.00} for other fees. I have written and called them to find out what this is for but have received no response. This is for a tri plex rental property that is fully occupied and has always been so for the 10 years I have owned it. Ocwen is a predatory loan servicer that refuses to provide me with any information.
Consumer complaint received 2016-04-11
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (FL)

I opened a Macy 's credit card in XXXX 2015. I did not receive a credit card so I was unable to set up online banking One needs the code on the back of the card to set up online banking. I called Macy 's who said I would receive a 30 day extension and a card in the mail. The card never came. I paid by check in the store the amount I owed. I asked via telephone at register if the balance was paid in full. They said it was. Since XX/XX/XXXX I have spent numerous hours on the phone only to be told that the fees are waived. I did this at least 4 times since XX/XX/XXXX at about 30 minutes per time. Each time they say the fees have been removed and they apologize for the inconvenience. Yet they just reported me late to the credit bureaus AGAIN, drastically reducing my credit rating and another bill for {$66.00} all late fees which I have been told over and over again that they would dismiss.
Consumer complaint received 2015-11-06
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (TX)

I applied for an American Express Gold Delta SkyMiles credit card on XXXX XXXX, 2014 and was given a confirmation online that confirmed a promotion of XXXX airmiles after I made {$1000.00} in purchases within 3 months. I made a transaction of {$1000.00} in the first month. I was told in XXXX 2014 that I did not qualify for the offer because I had a Delta card previously. This was not mentioned in the offer when I applied. 
I have contacted them repeatedly and they have refused to add the miles. 
Thank you for your help in this matter.
Consumer complaint received 2016-05-23
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (LA)

complaint number # XXXX on XX/XX/XXXX to whom this maybe concern : my husband and i XXXX and XXXX XXXX and XXXX XXXX are still having issues with my our mortgage company ocwen loan servicing llc.i '' ve been trying to get a loan modification to bring my mortgage payments current i sent my mortgage payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX all payments that i sent to them they 're was rejected and they saying that this is invalid account number they want us to send them q large amount of money at XXXX time.but i did n't have a large amount of money to send to them.the payment for XX/XX/XXXX i have the mortgage account statement show for that payment on XX/XX/XXXX in the amount 0f $ XXXX.in my escrow account balance is ( {$5500.00} ) but they saying i have a XXXX balance showing on this account the mortgage rate on this loan is 9.75 % that is to high.this is to sad for a mortgage loan company to have a interested rate so high.but ocwen loan servicing do not wont to talk about the monet that i have left over in my escrow account so i can bring my mortgage current.i had a pipe bursting in the wall my insurance company send me a ckeck for ( {$3700.00} ) I call ocwen loan servicing and told them that my insurance company send me a check and told me to send the check to them and they will br endorse the check back to me .ocwen loan servicing took so long to send the check back to me they 're still hold the check.i pay my on property taxes, but some how they are charging us for that when i pay for it myself.i have enclosed some documents some of which i printed from my account on their customer site.we just want to get back to where our account is at good standing.i 'm not interested in losing my home at all.my husband is sick and i have XXXXyear old grandson that i 'm raising. sincerly, XXXX and XXXX XXXX XXXX.
Consumer complaint received 2019-02-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NC)

Mr Cooper has charged me {$1200.00} a year for 4 years for PMI when my loan balance is {$100000.00} and my tax assessment is {$290000.00}. They make it virtually impossible to submit a request for stopping PMI and this is just an Unfair and Deceptive Practice for their PMI revenue. Please tell them need to remove PMI from my account immediately and send me {$5000.00} for the last 4 years of payments in which I also have an XXXX credit score. This process is UDAAP and should be investigated by the CFPB.