davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Equifax keeps reporting inaccurate information to my credit report which is harming me and costing me higher interest rates. They refuse to investigate properly and are taking XXXXXXXX XXXX XXXX word for truth instead of investigating properly, because I know for a fact that I do not have a contract ( wet blue ink signature ) with the company they are falsly reporting on my file. I am reporting this here with the CFPB to scrutinize the legitimacy of an errant account that Equifax claims I owe on my credit report compliant with FCRA, Fair Credit Reporting Act. As expressed in Section 609 of the FCRA, I have the account listed below that is errent, inaccurate, wrong and unverified : XXXX XXXX  XXXX, I have made NUMEROUS attemps to contact this company for validation and no response. This is how I know EQUIFAX is not reporting accurately. I assume that EQUIFAX is making PROFIT from this company to report inaccurate information to my credit report which has harmed me personally. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. THIS IS WHAT EQUIFAX IS DOING!!! I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it with wet blue ink is how I sign always ) that you have reported on my file for the account you listed as XXXX XXXX  XXXX. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account you listed as XXXX XXXX XXXX.
Consumer complaint received 2019-01-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (TX)

I have been trying to get my Private Mortgage Insurance Removed from my mortgage since XX/XX/XXXX when my mortgage dropped below 80 % loan to value. Last year my mortgage was sold from XXXX XXXX  ( Under mortgage # XXXX ) to Ditech Mortgage ( account # XXXX ). I reached out to Ditech via a email ( after being told to do so via phone representative ) request to remove my PMI on mortgage on XX/XX/XXXX and received no response at all from them, I even checked my junk box and nothing was there. My mortgage papers that I signed state an " Automatic Termination of PMI '' that states once my loan is below 78 % loan to value PMI will automatically terminate ( I have attached this document ). I reached out again today on XX/XX/XXXX to make this request via phone and was told initially to send the request that I already sent it too. I asked to speak with a supervisor and after being put on hold for about 30 minutes, I finally spoke to one. They told me that my loan to value must be under 70 % loan to value and that was their policy. After reading this document to the supervisor, I was told that " they don't have that document on file ''. She ( XXXX XXXX ) sent me a link to send her the form I have. I did so and just told me that I'll be hearing from them in 7-10 business days. Given their past history, I highly doubt that I will hear from them. I did mention to the supervisor and ask her why they weren't staying compliant to the homeowners protection act and she said nothing. From my understand this act requires mortgage companies to drop off PMI once loans are below 78 % LTV and the loan is current. I qualify for both of those items and don't understand why this is such a difficult task.
Consumer complaint received 2022-08-29
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. (MD)

I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.
Consumer complaint received 2022-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (OH)

Credit card company : Chase Freedom Fact Act XXXX XXXX XXXX XXXX, DE XXXX The primary credit card holder, XXXX XXXX XXXX XXXX passed away on XX/XX/XXXX. The credit card company, Chase Freedom, was provided a certified copy of the death certificate and a request was made to close the account. A dispute was also raised over the $ XXXX balance for various unauthorised monthly charges by The XXXX XXXX and charity organizations. The deceased had previously suffered a XXXX in XXXX so vulnerable to credit card fraud. Instead of closing the account, Chase Freedom proceeded to transfer the account balance and name to the authorized user XXXX XXXX XXXX, the primary card holders surviving spouse. She never applied for this credit card nor had a physical card or used this card. Several complaint calls have been made and a letter was sent to Chase Freedom on XX/XX/XXXX requesting documentation that XXXX XXXX XXXX applied for this credit card which they could not provide. Please help resolve this issue as the credit card balance continues to grow from fraudulent charges and interest which is affecting XXXX XXXX XXXX credit rating.
Consumer complaint received 2019-09-10
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. (TX)

Hello, I've tried disputing several unauthorized accounts and inquiries on my credit profile for a while now with both XXXX and Equifax. I've submitted all required documentation such as a valid police report, FTC affidavit along with valid identification in writing. Under the FCRA 605B once all required documentation is provided to the credit reporting agencies, unauthorized/inaccurate accounts must be blocked within 4 business days. I've also called these agencies every day requesting the information be blocked from my credit profile. Please assist me with enforcing my credit reporting statutes. 

Regards, XXXX XXXX
Consumer complaint received 2020-09-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (IL)

I have been trying to get my escrow account fixed for months. I have faxed numerous requests to PNC, and my updated real estate tax bills, yet they continue to over escrow me. Can someone please help me adjust my escrow account. This is the 3rd time this year I am requesting an analysis.
Consumer complaint received 2022-08-28
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: EQUIFAX, INC. (CA)

XXXX credit pass complaint to Equifax and XXXX measure the act and report herein to remove XXXX credit inquiry, and fault of association assuming lower credit score and their loss is a debt and has no other financial registry 's for applicability used uses with out gain passed my credit score and fabulous report.
Consumer complaint received 2019-01-17
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

My credit reports at XXXX, Equifax and others are showing that XXXX XXXX has reported 2 credit card accounts in my name. I filed Disputes with both using their on-line form, stating that I have no knowledge of any such accounts. They have both responded that they investigated and that the reported information was verified by the reporting entity. Their investigation did not request nor does it require any providing of any sort of proof, but relies solely on the word of the reporting entity. 

This lack of a need of proof leaves the consumer vulnerable to fraudulent reporting and to being charged higher charges for bad credit when these reporting agencies are allowed to report as they please, with no oversight or consequences.
Consumer complaint received 2021-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NC)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to the 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2022-08-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (GA)

I was charged interest on loans when I was under XXXX XXXX Bankruptcy protection filed in XXXX. DEPT OF ED / XXXX All balances from today 's report XX/XX/XXXX : XXXX. ) XXXX {$5900.00} High balance of {$4200.00} from XX/XX/XXXX to XX/XX/XXXX XXXX. ) XXXX {$11000.00} High balance of {$8500.00} from XX/XX/XXXX to XX/XX/XXXX XXXX. ) XXXX {$5800.00} High balance of {$4000.00} from XX/XX/XXXX to XX/XX/XXXX XXXX. ) XXXX {$5700.00} XXXX XXXX of {$4000.00} from XX/XX/XXXX to XX/XX/XXXX XXXX. ) XXXX {$1100.00} High balance of {$750.00} from XX/XX/XXXX to XX/XX/XXXX XXXX. ) XXXX {$3900.00} High balance of {$16000.00} from XX/XX/XXXX to XX/XX/XXXX XXXX. ) XXXX {$610.00} High balance of {$2600.00} from XX/XX/XXXX to XX/XX/XXXX These accounts now have over $ XXXX in interest that has been added after I filed for XXXX XXXX protection in XXXX which STOPS and doesn't allow interest accrual. 

US Department of Ed transferred loan servicing to NELNET in XXXX.
Consumer complaint received 2022-08-29
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 name XXXX and Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CA)

As per their online advertisement, I started a " Chase Plan '' financing option on XX/XX/XXXX for my XXXX XXXX ticket purchase of {$5500.00}. The terms & conditions were outlined clearly online. I took screen caps of them. I also called in to confirm they were correct and was told the financing offer was whatever showed online for the XXXX tenure options. I accepted the terms as shown and started the 18 month payment plan. I was sent a confirming email again specifying these terms. My next statement again confirmed these terms. I paid the first payment amount shown as due accordingly. 

On XX/XX/XXXX, I received a strange email informing me that this Chase Plan had been ended as it had been paid in full, although it had not the balance had instead been rolled back into my regular account balance absent any notice to me. I immediately called the customer service line and was transferred XXXX different times to XXXX different agents over a period of almost an hour, none of whom were able to explain what was going on. I was ultimately disconnected by the call center absent any resolution. Nobody called me back. 

I proceeded to their XXXX space for help next on XX/XX/XXXX providing all details & copies of documentation. They also failed to resolve the issue. Attempting to explain that the plan had been cancelled out due to a refund from the merchant- but that refund was for an entirely different purchase of a different amount which had nothing to do with this XXXX nor a chase plan. 

On XX/XX/XXXX I mailed a letter and more copies of all documentation to their service center. No reply. 

I want my original purchase of {$5500.00} less my first payment immediately returned to the Chase Plan in which I originally enrolled per the terms you advertised when I entered it on XX/XX/XXXX & a credit back of any fees or interest charges which XXXX have resulted in their inappropriate cancellation of the plan in the interim. 

The only reason that I purchased a second XXXX XXXX ticket for my daughter was due to the financing terms I had enrolled in for the first XXXX. They can not clearly advertise and confirm this financing agreement and then withdraw it after it has been accepted and started. Thats both false advertising and illegal bait & switch tactics.
Consumer complaint received 2022-08-28
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. (LA)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax, XXXX XXXX, and XXXX is governed by 15 USC 1681, and they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax written permission to furnish these accounts. 

Accounts are listed below XXXX XXXX acct # XXXXXXXX XXXX XXXX  acct # XXXX XXXXXXXX XXXX  acct # XXXX XXXX  XXXX # XXXX XXXXXXXX XXXX XXXXXXXX # XXXX
Consumer complaint received 2020-08-16
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. (NJ)

Credit bureaus continue to show an unverified public record on my credit file despite numerous letters and disputes being filed. All 3 credit bureaus have informed me that they are getting the public record information from XXXX XXXX. I have disputed the public record in question with XXXX XXXX and they have deleted that item from my file. A letter confirming that has been sent to the credit bureaus along with a letter of dispute dated XX/XX/2020. 

So far, XXXX and XXXX continue to claim this information is verified when their verifier, XXXX XXXX has in fact deleted this item. 

XXXX has not even replied.
Consumer complaint received 2019-01-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

At the end of XX/XX/2018, somebody counterfeited 3 Citibank checks and placed different names above my name. I was clearly out of the country at the time and this was evidenced by the fact that during the same peiod I was doing regular ATM withdrawals from XXXX. The checks were used to make several purchases at various XXXX outlets, with various XXXX membership numbers, in XXXX XXXX. The criminals also signed the fake names that they placed on the checks. At first, XXXX XXXX, in the Citibank corporate office of the bank, said there should not be a problem getting my refund if I go to a branch and sign the proper affidavits which I did. She even acknowledged that all the facts pointed to a situation where it was clearly no fault of my own and she knew the time frame fully well at the time. Then after several weeks another rep, XXXX who was also in the corporate office, said they refuse to refund me because I waited longer than 90 days to report the incident. The bank acted wrongfully because A ) They honored checks with names which they never issued checks to on the account. B ) They honored checks with signers on the account, other than myself, while I was the only signer on the account authorized to use the checks. C ) they charged me banking fees because my balances sometimes went under their threshold while this should have never happened and only happened because of the banks irresponsibility in handling my funds. D ) They had my wrong social security number on my account by one digit and refused to correct this until I came back to the country, thus making it almost impossible for me to regularly check my balances while out of the country. 

Something is seriously wrong here if a bank can take my money and hand it out to total strangers despite that checks were written in names never authorized to begin with. If I can not feel secure with the bank holding my money responsibly then the entire banking system is a farce. This is especially true when they refuse to take responsiblity for their own irresponsible actions
Consumer complaint received 2022-08-28
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)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX and XXXX XXXX XXXXXXXX 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.
Consumer complaint received 2021-07-15
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. (NC)

Since XX/XX/2021, I have been sending letters to XXXX and Equifax in regards to unauthorized fraudulent inquiries placed on my credit bureau profile accounts. Since XX/XX/2021, two of the three bureaus ( XXXX and Equifax ) have ignored my requests and have not sent me any correspondence. A post card is not what I'm expecting receive as a response, after sending many inquiry investigation letters. Yet, still no removal of the fraudulent inquiries from these bureaus, regardless of the countless letters I've mailed. If you can mail post cards, then why are you not responding to my letters or sending me proof of methods used to verify the information that continues to remain on my profile. This has been a long tedious battle with XXXX and Equifax for months. I have had no support from the bureaus. I am being treated as if, I am not the valued consumer and my information has been compromised. I have been left feeling violated. I have called and spoke to representatives at the bureaus that have either disconnected my calls or ignored my request and even asking me to file reports with the police. In addition, I have also contacted each individual creditor to request proof or removal from my reports and no success either. The creditors continue to respond with ; they don't have records of my information on file with them. 

XXXX letter to XXXX for inquiry XXXX XXXX XXXX XXXX XX/XX/2021. No removal XXXX letter to XXXX again for XXXX XXXX XXXX XXXX XX/XX/2021. No removal XXXX letter to XXXX a third time and No removal. 

XXXX letter to Equifax for inquiry XXXX XX/XX/2021. no removal XX/XX/2021 - letter to Equifax again for inquiry XXXX XX/XX/2021. no removal XXXX letter to Equifax and a third time for inquiry XXXX XX/XX/2021. no removal Each time a response from XXXX or Equifax comes back to me, its a post card or letter of inquiry investigation process. Yet, never a letter showing me verification of method used to verify the inquiry.
Consumer complaint received 2022-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

Pursuant to 15 USC 1681 ( u ) The term reseller means a consumer reporting agency that ( 1 ) assembles and merges information contained in the database of another consumer reporting agency or multiple consumer reporting agencies concerning any consumer for purposes of furnishing such information to any third party, to the extent of such activities ; XXXX, Equifax and XXXX all are resellers of my consumer report without my written permission XXXX, Equifax and XXXX have each allowed, provided & furnished false and misleading information in violation of 15 USC 1692e2A Equifax was instructed to remove the installment accounts and only removed 3 None of the consumer reports are matching or reporting the same information. 
Consumer is demanding removal of all accounts listed on the consumer reports and removal of the consumer report from their platforms
Consumer complaint received 2022-08-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A. (AL)

I have bought 6 chairs from XXXX XXXXXXXX XXXX on XX/XX/2022 and I paid with my PNC bank debit card from my checking account. When I got home and looked at the chairs one of the chairs was defective from manufacturer and damaged and had a broken leg and severe scratches on one side. It is dangerous for a person to sit on it so its useless and NOT fit to be used. I called the company and they refused to refund me my money and they refused to replace it. The company XXXX XXXX XXXX scammed me and committed fraud by selling me a chair that is defective and dangerous for my family to sit on it and they did not tell me that this chair has a major defect in it so I disputed the charge for that defective chair which is around XXXX dollars but PNC bank denied my claim and dispute. And they charged my checking account back for the disputed charge and that is very wrong from PNC bank. I was scammed by a furniture company and they charged me for a defective chair and damaged and scratched. The defect in the chair is from the manufacturer and is very severe and the company NEVER disclosed that defect to me and should NEVER have sold the chair to anybody because it is dangerous to sit on. 
PNC bank needs to honor my dispute for XXXX dollars and give me that money back into my checking account. This is a legit dispute of a charge from a scammer and a fraud company. They scammed me by selling me a defective and dangerous chair without disclosing that defect PNC bank reference number for this dispute is XXXX Account ending inXXXX PNC bank has the worst customer service quality and they never help us customers and PNC bank should protect us customers from fraud and scammers like this company XXXXXXXX XXXX  that sold us a defective and dangerous chair The disputed charge should be honored by PNC bank and they should refund me that money for XXXX dollars