davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-04
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. (PA)

i have reached out to all 3 credit bureaus 10 times each so that they can investigate the 100 % accuracy of the reporting of the account in question ( XXXX XXXX XXXXXXXX XXXX XXXX ) ... .each time it comes back verified ... ..How can they say that this is verified if the reporting doesn't even match all the way across all 3 bureaus as is required by law? They are not in compliance ... .they are not investigating the reporting ... .i have attached a copy of the 3 bureau report so that you can see the discrepancies in the reporting XXXX is reporting a balance of {$13000.00}, XXXX is reporting {$13000.00}, and equifax {$13000.00} XXXX is reporting a past due of {$13000.00} XXXX is reporting {$13000.00}, and equifax {$13000.00} XXXX is reporting a high credit of {$9800.00} XXXX is reporting {$9800.00}, and equifax {$7000.00} Also take a look at the inconsistant reporting in the 2 year payment history and thats just to name a few violations ...... 

This was a " charged off '' account that was sold to a collection agency and is still reporting a balance that is a violation This was a " charged off '' account that was sold to a collection agency and is still reporting a past due that is a violation
Consumer complaint received 2021-04-11
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. (NE)

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
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 — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation (MS)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

XXXX was closed by without resolve. No response was ever received and IT IS IMPOSSIBLE to get anyone at HSBC to respond to me. This is my THIRD complaint to you and you have donr NOTHING
Consumer complaint received 2021-04-11
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. (LA)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2018-04-17
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: HYUNDAI CAPITAL AMERICA (NC)

XXXX XXXX XXXX has not reported my payment history since XX/XX/XXXX. I have contacted and can't get anyone to report monthly to credit bureau. This is affecting my credit due to me trying to get a house. I have also faxed a copy of my Driver license and Marriage certificate where I got married XX/XX/XXXX and my name was changed on my account last time I complained and now it is back to XXXX. My Legal name is XXXX XXXX now.
Consumer complaint received 2021-04-11
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. (TN)

In XX/XX/2019 there was a collection added to my credit report by XXXX XXXX XXXX, XXXX, Tn. for {$1100.00}. This was not my bill, so I contacted the collection agency and asked them to remove this from my credit report. They did not remove this collection, but they decreased the amount to {$150.00}. I wrote to all three credit bureaus for dispute and investigation. XXXX XXXX and XXXX  removed the collection immediately. I did not hear back from Equifax, but I had assumed it was also removed. Equifax sent me a letter stating they would not remove the collection. Since I know this is not my collection, I wrote back and asked for a reconsideration and to provide proof that this account was mine or immediately remove the account. Equifax never got back to me and the collection remains to this day. 
I have been denied credit twice in the past few months and when I looked further, both denials were directly related to the collection activity on my Equifax report. This collection remains open on my credit report, and no statement of dispute. 
This collection should have been removed from Equifax a year ago, when the other credit bureaus removed the collection. I know it is not legal for a collection that is not mine, and there is obviously no evidence it was ever mine, to stay on a credit report. This has harmed me by getting credit denied and credit score lowered.
Consumer complaint received 2021-10-08
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)

I was shocked when reviewed my credit report and found late payment on the dates below. 
Creditor : XXXX XXXX XXXX  Account # XXXX I was never late 30,60, or 90 days late in the months of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX I am not sure how this happened. I have always made payments in full and on time to you when I received my statements.my only thought is that there was a billing error with my statement.
Consumer complaint received 2021-04-11
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)

There is inaccurate information posted on my credit report with XXXX. I have stated my reasons for disputing those accounts in the documents attached. I have sent XXXX requests ; Certified mail to resolve these issues with no prevail. Equifax is violating my rights by continues to report inaccurate information to my credit profile. XXXX XXXX : Certified XXXX XXXX  XX/XX/XXXX XXXX - I requested an open investigation of all of the inaccurate information that was reported to my credit file. ( As a result, I expected the information to be removed updated accordingly ) Results of the dispute : Verified. Second Request : Certified XXXX ( XX/XX/XXXX XXXX - I requested a reinvestigation of the first dispute due to the fact that the information was still inaccurate and continue to report on my credit report according to an independent investigation. ( As a result, I expected the information to be removed updated accordingly ) Results of the dispute : Verified. XXXX XXXX : Certified XXXX ( XX/XX/XXXX ) - As a follow-up to the second dispute ; I requested specific detailed information with a specific request and outcome. I requested written verification of accuracy, in conjunction with my dispute of the inaccurate accounts. # XXXX Who verified these accounts? # XXXX. How were these accounts verified? # XXXX. Provided me copies of ALL original documentation ( s ) on files such as contracts or legally binding agreements ( as proof ) with my XXXX signature on it correlating to the disputed accounts. If Equifax is UNABLE to provide me a copy of ANY original documentation I request for these items to be REMOVED/DELETED from my Credit Report immediately. Equifax has failed To provide me with any information I requested while continue to report inaccurate information to my credit file.
Consumer complaint received 2021-11-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (CO)

XX/XX/2021 I woke up to my mortgage payment being declined for {$0.00} less in the account then needed. I then fixed the issue, contacted CMG, and asked if they would try to pull the money again. The agent stated that they wouldn't. I then submitted a payment. On XX/XX/2021 I then looked at my account and I was over drafted due to CMG taking a payment and processing my payment. I then contacted them to rectify this and they refuse to acknowledge the issue, disconnected the chat, and when I chatted back realized they never verified my account before communicating.
Consumer complaint received 2021-04-11
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. (NC)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (GA)

I asked for a refund of {$70.00} which is an XXXX XXXX cleaning service total. I asked for this money back as there were finger nails, 2, on the ground as well as multiple hairs in the bedazzled well as other issues. 
Discover told me I was denied the refund for various reasons like I didnt take the proper steps to file a dispute. 
I have hard closed my account with them. I will pay the balance minus the {$70.00} I am not getting back. 
I have never heard of multiple businesses being OK with unsanitary practice. 
Discover sounded completely fine with businesses using unsanitary practices. In the pictures attached, please see the hairs and what appears to be straw underneath the nail.
Consumer complaint received 2021-09-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: SYNCHRONY FINANCIAL (FL)

XXXX XXXX open account Amount of debt : XXXX Account number : XXXX PayPal account I made several attempts to clarify to the company once I received the notices of missing payments that I did not own the account. They would simply transfer the account to a debt collection company. The account is currently with portfolio recovery and they sent a lawsuit in regards to this account.
Consumer complaint received 2022-06-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (OH)

On XX/XX/2022, I was kicked out of Loss Mitigation with no reason given to me. The entire time I was in the program, they repeatedly told me to just wait to receive modification paperwork to sign. I never received this paperwork after months of me calling to obtain it to fix my mortgage. Despite their knowledge of me not receiving any paperwork, my loan was still removed from Loss Mitigation and is now being reported to my credit bureaus in violation of guidance regarding Covid assistance. 

Currently, I have secured assistance from the " XXXX XXXX XXXX XXXX '' program to pay my past due balance. Now, Cardinal Financial is doing the same thing as prior. They will not respond to the program to secure the grant. Based on this, I requested a face to face interview and have yet to be granted an in person or virtual interview as required. 

Cardinal Financial will not work with me to make arrangements on my federally funded home loan. This is an intentional and discriminatory act to take my property.
Consumer complaint received 2021-11-23
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. (MD)

On XX/XX/2021 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the XXXX XXXX XXXX XXXX  seeking help in matters regarding my consumer report. I have sent letters to XXXX, XXXX and Equifax in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under XXXX XXXX code XXXX and XXXX XXXX code XXXX ( b ) ( XXXX ). 
I am aware that they each have XXXX days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions XXXX regulation ( XXXX ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.
Consumer complaint received 2018-04-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (NV)

I have been trying to gain access to my savings account with Ally Bank since XX/XX/XXXX My savings account has XXXX saved. I was told that I will need to provide identifying documents to prove the account belongs to me. I sent my identifying documents in a week later after I was able to track the documents down. XXXX  from loss prevention of Ally bank told me that they will take 2 days to review and verify the identifying documents. I called 2 days later, XXXX told me she will call me before the end of the business day with a response. I did not get a response. Wednesday XX/XX/XXXX I called again. XXXX told me that I would have a response before the end of the business week, she would be the one to call me. I still did not get a response from XXXX  by the end of the week as she said. It is now 2 days into the next business week, TuesdayXX/XX/XXXX and I still don't have a access to my savings account. I tried calling XXXX   of Loss Prevention of Ally Bank and all I get is voicemail, Monday XX/XX/XXXXand Tuesday the XX/XX/XXXX. I have even tried to get my issue escalated to a supervisor but nobody was able to help me. I dont even think they escalated me, only tranfered me laterally to XXXX ( or a similar name ). My savings account has XXXX  in funds, I don't have access to my own money. Ally bank is holding my money XXXX.
Consumer complaint received 2022-08-14
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. (AZ)

I've been a victim of identity theft and I'm suffering from punitive damages. I've mailed letters to all three bureaus XXXX, Equifax and XXXX and the companies but and still haven't been removed. All the accounts listed are fraudulent and need to be removed! XXXX XXXX XXXX  {$25000.00} XXXX XXXX XXXX XXXX {$26000.00} XXXX XXXX XXXX {$33000.00} XXXX XXXX XXXX XXXX {$44000.00} XXXX XXXX XXXX XXXX {$29000.00}
Consumer complaint received 2021-04-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (IA)

paypal put a permanently limitation on my paypal account without a reason, and they won't help me to reinstate my account. Anyway, they told me that I can withdraw the balance after 180days limitation passed. I found that the balance on my account was gone. Based on the record in my recent activities, it says there is a amount of {$1600.00} has been transferred to paypal due to so called damages caused. Well, I contacted paypal for help, but no one can tell me the exact reason behind all this. I didn't receive any notification about this transfer, and this transaction didn't get my approval and authorization. I feel this is illegal and that's why I report this to you, and wish you can help me out. The email linked to my PayPal is XXXX.
Consumer complaint received 2022-01-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

I'm dealing with a mortgage company called XXXX who is serviced by loancare. 
I had severe damage during the winter storm in texas that was a national disaster and have been going back and forth with them for months. I now have my property repaired to 85 % but I still have no kitchen counters or cabinets. They will not release any portion of the final check for {$5700.00} and and are holding back at least {$1000.00} from another check. 
I need at least {$5000.00} for my XXXX to finish the work. 
So now I have to pay out of pocket.
Consumer complaint received 2021-04-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

XXXX YEARS. XXXX YEARS I have been repaying student loans. I went back to school to become a teacher in the community I grew up in. I noticed a disparity in the diversity of teachers relative to the student body. I finished my education and was hired at the very high school that I graduated from. It's the best career move I have ever made. Navient has made sure that I will never pay off this loan. Years of payments, programs, forbearance, have resulted in my balance now being MORE than what I borrowed, reporting late status to credit bureaus even though I have automatic payments coming out of my account EVERY MONTH, and this latest criminal act ... pulling me out of a repayment program that Navient decided I was not qualified for and now demanding more money to keep from being late - which they report that I am anyway. I pay XXXX different private loan payments, yet they break the loans out in XXXX separate loans so it's reported as XXXX different late statuses. I have XXXX credit cards that I have NEVER been late on and have NEVER paid the minimum. Payments are usually {$100.00} to {$200.00} a month. Same with my car payment. Yet, because of Navient, my credit score remains in the mid XXXX, despite years of on time payments. They have blacklisted me from home ownership, decent interest rates, and any decent loans. XXXX YEARS of this. I'm not taking it anymore. I'm done with Navient. Paying them on time has made no difference in my loan amount or my credit score and this latest stunt is the final straw. Find a way to dismantle this loan servicer XXXX. They should not be allowed to dictate a person 's life in this way. Allowing them to continue means the government is complicit in their XXXX actions.
Consumer complaint received 2022-08-14
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. (WI)

Company put these inquiries on my credit without my consent. I have no business with these companies at all. XXXX XXXX, XXXXXXXX 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