davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-13
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. (AL)

I have disputed these inquireies with the CRA 's and with the companies. they came back verified. wen requesting proof i have yet to receive actual proof. i have filed an idenity teft report with the ftc as well the following inquiries are fraud XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I have come here to this site hoping someone can help me with XXXX XXXX. I let them know that I had things appear on my credit that was not mine & had no clue who applied for this. I have been a victim of identity theft. I am having a hard time trying to get the things that don't belong to me deleted. I have called all the companies and bureaus several time without any changes. This issue should have been taken care of the first time I told them I had a problem. Please help me get this information deleted from my credit report. I sent in a copy of my police report, ID and social security card.
Consumer complaint received 2022-10-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Citizens Bank claims I owe payment for a security system placed on a house in XXXX Florida. 
I do not own a home in Florida, only XXXX XXXX XXXX XXXX, Pa. I have lived here over 30 years, moved here XXXX after marrying a guy from XXXX. 

I went to a local branch to have them file the fraud report, then to XXXX Police department to file a complaint. Copy of the police report was sent to Citizens, ATTN : ID theft operations at XXXX, XXXX XXXX XXXX, XXXX, PA XXXX ; I also called XXXX, as per the Chairmans office request, and told them but they only sent an email which I also forwarded to Citizens. Fax XXXX Since then, I looked at my credit report with XXXX, XXXX, and XXXX and found all three had an address for XXXX XXXX XXXX XXXX, XXXX, Florida as well as my XXXX home address. 

I had to dispute the XXXX address, as well as mispelling of XXXX as well as mispelled XXXX. Also multiple phone numbers, that needed to be deleted. From what I can tell, these are being corrected, although now XXXX supposedly, removed my XXXX address. I uploaded my drivers license and XXXX bill for them to make corrections. So Citizens bank is the business that needs to be aware, my identity was used for a fraudulent purchase, a XXXX security system. 

Citizens bank shared this issue should be resolved by XX/XX/XXXX. All the use of my identity for the said purchase occurred in XXXX of XXXX. What I don't understand is I live in a home purchased for {$50000.00}. I looked up the home is XXXX and its valued at over {$700000.00}. 

I am a retired nurse practitioner. I never made alot of money to own this extravaganze. I don't have security on my home in XXXX. Identity protection is an issue if even the credit reports all have false information. Until now I did not look at my reports but now plan to share this important issue with others.
Consumer complaint received 2023-03-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TN)

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. 



Account name : I C SYSTEM, INC : Account Number 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 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 2022-08-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC (CA)

I have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I checked my credit report and found that some of the data were stillincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my fileXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2022-08-01
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. (NY)

I forwarded a letter to the Equifax and XXXX Credit Bureaus dated XX/XX/2022 to update these inaccurate accounts. I think you have not confirmed these pieces of information in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-01
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. (NY)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2020-04-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: JPMORGAN CHASE & CO. (AL)

I tried to apply for a new car loan through chase bank for a XXXX XXXX. I had a previous auto loan with them which I paid off. My husband died in XXXX. But my current income us {$3200.00}. Chase has denied me for a new loan and most car finance companies require a stable income of {$2000.00} a month. My income is a stable amount of {$3200.00} a month. I am being discriminated against.
Consumer complaint received 2021-10-08
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)

Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I contacted XXXX 's because I saw that my bill had late fees. When I contacted them they told me that I didn't pay the bill for two billing cycles. I then paid my regular payment amount and have been paying them since I called them to see what the issues were. I also explained to the card company/department store that I was not notified about not receiving payments for two billing cycles, and that I really thought I had paid them. I asked that the interest be removed and told them to make sure they call promptly when a payment is not received. The company removed the interest and has been reporting me as delinquent since my call to them and they have also been having an automotive machine contact me weekly since I initiated the call to them about my billing. I really feel as if the company is not playing fair and that they should have attempted to call me when the bill was not being paid, and at that time I did not get any calls from them. Having been a XXXX customer for about 13-15 years, I am angered about the treatment I am receiving from the company. It is very unfortunate that I can not make up the payments missed, but if the company would have reached out to me during the first month that the payment was missed I could have sent it in. I really see that this company does not have their customer 's best interest in mind, and just wants to attack my credit score. And to just let you know I have never been late nor missed payments before, so this should have been more than a reason to give me a courtesy call or letter.
Consumer complaint received 2020-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

On XX/XX/2020, I disputed 2 accounts with each credit bureau on my credit report that both accounts addresses were wrong on my report. The letters were returned back to me they were not deliverable. I sent each credit bureau a copy of the return letters with a copy of the Postal Service tracking system that states the address is no longer valid. This is an error on my credit report, therefore according to FCRA Section 623 ( a ) ( 1 ) ( A ) prohibits furnishing information to any CRA if the furnisher knows or has reasonable cause to believe that the information is inaccurate. Given that the furnisher has provided false information on my credit report both accounts should be removed.
Consumer complaint received 2022-08-23
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2020-04-17
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: Carvana Group, LLC (CA)

While exploring a loan process with Carvana after being burned by another outfit I asked to outline the process for a lemon vehicle and how the consumer is relieved of the financial process when the car is deemed unfit for the road. 

The only thing she repeatedly stated was to purchase GAP insurance. How is GAP insurance a good thing for consumers being held in liabilities they can not substantiate and why am I being sold this as a result of buying a bad car? 

The agent refused to quote the contract agreement with me.
Consumer complaint received 2022-05-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Affirm Holdings, Inc (CA)

Am a XXXX XXXX XXXX XXXX XXXX  who sat for my XXXXXXXX XXXX XXXX  on the XX/XX/22 and failed. so i went to look for help online and found this online tutoring service program which claimed to be tutoring students on the XXXX XXXX XXXXXXXX XXXX XXXX  with very high chances of passing but they did not allow any other form of payment other than getting a loan from AFFIRM and the payment has to be fully paid before they even enroll you So they have this AFFIRM icon on there website that was the only active one the other credit cards like XXXX XXXX XXXX XXXX  were inactive. so you are left with no other choice but get this loan even though you dont know how this service operated but since it was stated on the affirm website that if you are not getting the service that you expected from the merchant in 6weeks of getting the loan affirm can help you get back the money ( LOAN ). so i went a head and applied for the {$1800.00} which was what they were charging for 8 weeks with one session weekly for 45mins a session which for sure was over priced anyway coz its was just sending questions which one can get freely on line and you tube. 
After one session i realize this is not going to help me pass my exam coz it was just typing sending me questions from a question bank no direct contact with the tutor yet i expected a kind of XXXX thing. 

So I write to them after two weeks to counsel and get me out of this program but was willing to pay for the two sessions i had with them and they refused saying i have to pay for the loan I didn't even use coz they have a NO FUND policy So I got to affirm website and filled a complaint as it is states on the website that if you are not satisfied with merchant and the loan is within 6 weeks since they issued it they can help you get a refund i was with in the time frame coz it had only been 2 weeks they reply me after about 3weeks they say they work with the policy of the merchant so i have to pay the XXXX dollars i did not even use. 
its not fair for me to pay for a loan i did not use i accept to pay for the 90mins i had with them but why should i pay a whole XXXX dollars for a service i did not use. 

this seems like a trap am in now and am afraid it may affect my credit score which i have worked for years to build and protect. 

am kindly requesting for your help please.
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX. I reached out to Experian the credit bureau. Refusing to assist in removing fraudulent activity on Experian 's account. Several inquiries such as XXXXXXXX XXXX XXXXs, Auto loans, House loans, and many more that do not belong to me. I'm a victim of Fraud. Agents will slam their keyboards while talking to me, asked me to file a police report, and refuse to assist me.
Consumer complaint received 2019-04-15
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Navient Solutions, LLC. (OH)

Navient Solutions LLC has continued to contact myself, my family, neighbors, and acquaintances after I sent a cease and desist letter on XX/XX/2019 disregarding federal debt collection laws.
Consumer complaint received 2017-12-23
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: CITIBANK, N.A. (NY)

Dear Sir/Madam This is to file a complaint to Citi with regards to my sign-up bonus for Citi Prestige credit card account. The Prestige card is associated with XXXX TYPs after spending XXXX $ within 3 months. I opened my account on XX/XX/XXXX, and continued to use the card for everything I need to meet the requirement for obtaining the sign-up points. I didnt receive the points as expected after I spent over 8000 $ last month. I contacted and chatted with the Citi staff and was told my Prestige card is not associated with a sign-up bonus program, because I closed one Citi credit card one year ago. This is not the exact truth. 
1 ), I never closed any Citi credit card. One of my Citi Divident card was closed by the Citi Company, not by myself. I even called to check what happened because that Divident Citi card is the longest card I owned since XX/XX/XXXX. I want to keep that credit card for ever! 
2 ), The Citi Prestige card has {$450.00} annual fee, while the Citi Divident card has no annual fee. The provision clearly stated the eligibility for the XXXX point sign-up bonus for the Prestige for not closing Citi Prestige, Citi Premier and Citi Preferred cards in last 24 months. There is no word to mention Citi Divident card. 
3 ), Mostly importantly, my application was approved by phone ( not by online application ). I talked with the staff who handled my application, and was told Im no problem to get the sign-up offer after I spent XXXX $ within three months. 

I trusted Citi company as I have been its customer for over 12 years, but what happened to me seems a " trap ''. I chatted with the Citi representative via phone, and the staff only offered me XXXX points for courtesy ; that is not what I want. Without sign-up bonus program, I mostly wo n't apply for this card associated with XXXX $ annual fee, even I need one due to too much travels these recent years. This is my first time to file the complaint. What I need is a fair treatment. This happened but 1 ) it 's the Citi, not myself, who closed my other account without my permission ; 2 ) wrong or unclear advertisement without showing the type of the card involved ; 3 ) customer confirmation already via phone for the sign-up bonus when applying for the card. As a customer, I feel so wrongly treated, so I filed with an expectation to get more attentions for my case, and I need get back my XXXX sign-up points as advertised, before I will keep stay with the Citi in future. 

With best regards ~ XXXX
Consumer complaint received 2021-09-10
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 credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2017-12-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (ME)

XX/XX/XXXX I received my property tax bill from my town. I immediately asked for ( in writing ) an abatement from them because they had omitted the homestead exemption. The amount they assessed in error was $ XXXX.The correct amount was in fact {$980.00}.

( The taxes were due XX/XX/XXXX ) On XX/XX/XXXX I was granted the abatement by the town and my taxes due amounted to {$980.00}. I mailed letters about this change to my servicer, Fay Servicing at 2 addresses they listed, as well as emailing my account manager on XX/XX/XXXX.

On XX/XX/XXXX I got an email from Fay Servicing saying my taxes had been paid to my town for {$1200.00} ( more than was due, even if the original bill had been correct. ). There was no mention of receiving my letter that the original bill had been in dispute, and not to pay that amount until I got this sorted out. I had my sister call Fay on XX/XX/XXXX and left a voicemail for my account manager saying the taxes were paid in excess. ( Im hearing impaired and do not use the phone ) That check was not cashed and Fay voided the check on XX/XX/XXXX.

On XX/XX/XXXX Fay remitted the corrected tax amount to the town for {$980.00}.

That is issue # 1 I have with Fay : paying the incorrect amount although they had advance notice my original taxes were in error. Even then, Then the taxes were paid late.

My 2nd issue is that today XX/XX/XXXX I received a letter from my homeowner 's insurance company that my policy was cancelled due to nonpayment. My monthly mortgage payment includes an escrow account from which taxes and insurance are to be paid. The insurance was due XX/XX/XXXX. My insurance agent had sent Fay the insurance bill on XX/XX/XXXX.

When my agent today ( XX/XX/XXXX ) talked to Fay about the home insurance he told me they ( Fay ) were off nearly a month on my coverage dates comapred to what my insurance company has. The lady he spoke to was going to " make the necessary changes. '' This happened last year too ... .Fay didnt pay the insurance on time and I had to sort things out with them and the insurance company. I also get charged more because the bills are paid late.

I also have an issue with Fay not setting up the initial escrow account on time. It took them 2-3 months to set up the escrow, then only after I asked " why dont I see payments going into an escrow? '' The answer was " whoops, sorry, oversight. '' My last complaint is that the customer activity statement is so convoluted that I am having trouble understanding it ... .And there are several late charges noted although since Fay took over my servicing I have never been late nor missed a payment. There are also charges for property preservation in spite of my questioning this on the basis of never having left my home, and always maintaining my wish to live here permanently.