davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-07
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. (OH)

My personal information was stolen and compromise. I have file a police report. These account were open without my permission. This accounts are with the following collection agency :, XXXX, XXXX, & XXXX ( XXXX XXXX {$2200.00} ) XXXX XXXX ( {$590.00} ) XXXX 's ( {$1900.00} ) XXXX ( {$240.00} )
Consumer complaint received 2022-10-17
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. (CA)

These following inquiries on my credit file are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-03-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (FL)

I am filing this deceptive practice complaint with my mortgage company Rocket Mortage. XXXX XXXX XXXX paid me {$5300.00} for some damage to my home on XX/XX/XXXX claim number is XXXX. After fighting with the insurance company to get them to pay, the check finally came in XX/XX/XXXX. In order to cash the check, Rocket Morgage Company has to endorse the check. I sent them the check to endorse it and they didn't want to endorse it because I was behind on the mortgage and they were going to take that money from me for the account. I was in the Fourfance program authorized by the federal government due to Covid and that is the money they say I owe them. In XX/XX/XXXX and continuing, I started making payments again and the change was made as well. I asked to speak to a supervisor in the insurance loss department and spoke to XXXX XXXX. I explained the situation to XXXX XXXX and she told me that she had already reviewed everything and that they were going to send me the check but she demanded that my wife XXXX XXXX and I XXXX XXXX endorse the check. Actually we did not have to endorse the check and there I saw the malice and mockery of her, however the check was endorsed. It's been over 30 days and my check hasn't been sent. I call them and they tell me that I have to send them the damage report and that report was sent from the very beginning with the check. In other calls they tell me that I have to send them the details of the contractor who is going to do the repairs and that applies if I am really late. I have spoken several times with supervisor XXXX XXXX and it has been pure ridicule.
Consumer complaint received 2022-03-07
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CA)

I have been paying my student loans since XX/XX/XXXX of {$31000.00} XXXX started paying {$250.00} and per tax notices yearly, I should have paid down about {$12000.00}, about $ 100 monthly for 10 years when in XXXX, I lost my job and they lowered by payments that I am only paying interest no principal of {$160.00} So as of today, I, per their records, I owe {$26000.00}. Per my records, I should only owe about {$19000.00}. I am XXXX XXXX XXXX and will be retiring next year and will be living on a fixed income and my payments will be going up from {$160.00} to XXXX for another 8 years in XX/XX/XXXX at my full retirement age. I want to know where my $ XXXX is? This in unacceptable that I have to take their word for what I owe. So I will have paid on my loan for 23 years. I will be XXXX when my loans are finally paid off. Can you please help see what happened when my loan was taken over by Navient? They claim I owed {$28000.00} in XX/XX/XXXX when I should have only owed {$31000.00} less the {$9000.00} principal paid for XXXX XXXX years or 90 months of $ 100 monthly for a total of {$22000.00}.
Consumer complaint received 2022-10-17
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: EQUIFAX, INC. (KY)

I am buying a home and Equifax will not release my credit report to XXXX XXXX. I have been over a month trying to get it released. My first call they told me there was a freeze so I had it lifted. Then XXXXXXXX XXXX still couldnt pull it. Then Equifax told me there was a fraud hold and I had to send my ID and social security card and then that still didnt fix it. I have called their automated system 3 more times. XXXX XXXX still couldnt pull it. Then I called today and asked to speak to an American agent and they told me that couldnt happen. I told that person my issues anyway and they told me its because I have disputes and I told them that was not it cause other two bureaus released my report that was needed. Then I told them what message the XXXX XXXX was getting when they pulled it. Equifax said no, there isnt a hold they can pull it now. I said no they just did it today and they cant. Then the guy said oh its cause of disputes you have. I then asked to speak to a supervisor and he replied my supervisor will tell you the same thing. I said please a supervisor. He transferred me and the supervisor did not help me. He said no theyre arent holds. I explained that there is and please release my information so I can buy a home and not end up homeless soon. I am on time restraints and Equifax has held me up for over a month. He then said the XXXX XXXX  should put my middle initial in and try that. Then as I was asking him a question he just hung up and pushed me over to a survey. I was on the phone with them for almost an hour and got zero real help or real answers. They were making up excuses I feel like. Please help me!!!
Consumer complaint received 2022-03-07
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)

I have been disputing fraud items on my credit report since XX/XX/XXXX. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is signed and attached with an FTC and Identity Theft affidavit, yet the bureaus are still not taking any actions. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the accounts claim to be mine. Not only have I not received any mail showing the verifiable proof needed to justify the items to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money with no end in sight and no results to show. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! THE DISCHARGE PAPER FROM THE COURT IS CLEAR! THEY CAN NOT COLLECT on a DISCHARGED DEBT!! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; DEPTEDXXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX  Date of inquiry XX/XX/XXXX ; XXXX  Date of inquiry XX/XX/XXXX ; XXXX  Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (AZ)

The XXXX XXXXXXXX XXXX  card was bought out by XXXX XXXX XXXX I have never been behind on payments with XXXX  XXXX. The transition to Goldman Sacs was a utter mess. I called to make my payment on the phone for the first time with Goldman Sacs and the automated phone says there is a 1 hour wait to speak to a customer service rep. This was on XX/XX/XXXX. Nonetheless, it states on the automated line that cardholders have thru the XXXX of XXXX to make a payment to avoid late charges. I called again everyday thru XX/XX/XXXX. It states on the automated site to go to the Goldman Sacs web site or wait a hour to make a payment. All of the info they had for my banking had been deleted. Therefore I had to go online to make a payment or wait a hour. It also states on the automated phone line that there would not be a problem with using the card. On XX/XX/2022, I was at the store getting my prescriptions, and the transaction was declined. I tried again and it was declined. I am not behind, I have never been behind.
Consumer complaint received 2021-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Real Time Group, Inc. (CA)

Real Time Resolutions ( RTR ) is currently reporting an active line of credit on a closed real estate loan. The direct reporting is with XXXX for a {$37000.00} balance with high credit line of {$39000.00}. This account was closed in 2018 as a result of a foreclosure. Real Time Resolutions was notified of the foreclosure action and failed to respond. The trade line is erroneously reporting which is a direct violation of the FCRA, 15 USC 1681. The FCRA states that accurate, timely and fair data be reported to the credit report. The report with XXXX should read a charged off debt and not active revolving debt with monthly payments due. Moreover, RTR never filed a claim on the proceeds remaining as a result of the foreclosure, so the gross amount charged off should be listed as " pending '' or " null ''. The true derivatives of the credit reporting have not been discovered, so consideration should also be made deletion. The California FCRA also addresses issues with their specific law, which means RTR is in direction violation of the that civil code as well. I have attached a copy of the credit report for reference.
Consumer complaint received 2022-03-06
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. (FL)

I'm having huge problems with Equifax this company keeps on lowering my Credit score for no reason!!! The first time they lowered it was XX/XX/2022, the score went down XXXX with no explanation, the second time was XX/XX/2022, another XXXX, the Third time was XX/XX/2022 XXXX with no reason or explanation as to why Equifax keeps deopping my score! I haven't gotten any updates from Equifax by mail or email. I previously sent them a certified letter to correct my account with false information I have not ever gotten a response from the companies or Equifax!!!! They are lowering my score because I open a report about Equifax with the CFPB!!!!!!!
Consumer complaint received 2022-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NV)

Citi sent letter on XX/XX/XXXX advising that if I made payment to current my account would remain open. I called XX/XX/XXXX and confirmed that account would continue to be opened. 2 agents confirmed this so I made a payment for the sum of the account in full, and they sent me a new credit card. On XXXX Citi closed the account after they had my payment and used deceptive practices to collect on the debt and secure funds and will now report the account as closed by issuer. When I spoke to XXXX from the adverse action department with CITI ( agent refused to provide agent ID ) I was told that the account is to remain closed and I would need to reapply. I need the account to remain open in accordance with the promises made by Citi when we spoke on XX/XX/XXXX. The letter attached clearly states to prevent account from being permanently closed payment should be made by XX/XX/XXXX and payment was made in accordance with this letter and confirmed by Citi when we spoke on XX/XX/XXXX and they sent me a new credit card
Consumer complaint received 2022-03-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (GA)

Citibank says they are considering closing my 2 accounts. After screwing up my money Citibank, that is your best freaking bet. Do not reopen accounts for any reason and assure that no transactions are permitted ( incoming/outgoing ) moving forward. I requested that there be no transactions on my account last week and the bank continued letting transactions take place with the closed account. No type of transactions should occur, everything should be rejected henceforth. This is my second time requesting this.
Consumer complaint received 2022-03-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CarMax, Inc. (TN)

I purchased a car from CarMax in XX/XX/2021. I started having issues with the vehicle 's engine in XX/XX/2021. I spent money I did not have to try and get the car repaired but I was advised it was not repairable. I advised CarMax Auto Finance of this and they denied my request to defer my monthly payments until I could figure out what to do. I am a single parent and do not have funds to pay a monthly payment that is stuck at the repair facility or try to find money for a down payment for a new car. I have been alerted that they reported my payment 90days past due which caused my credit score to decrease and now I really can't qualify for financing any where else
Consumer complaint received 2022-10-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

Today after trying online, via text, automated phone and a live agent, Equifax would NOT freeze my credit report after I told them I received a credit card in the mail the other day, that I never applied for. I called credit card holder " XXXX '' whom closed the account and was told it was opened online in VA on XXXX/XXXX/22. I live in PA with my family and work in PA. I've also seen other hard inquiries on my credit report that were not initiated by me. I froze my XXXX and XXXX in minutes yet Equifax was asking me to provide every single open, closed and collections account under my name, with balance & payment amounts, open and close dates and so on and so on. When I could not recall one account that they asked info for, the female agent said she could not verify my identity! I answered dozens of questions and yet she refused and then put me on a hold that was never picked back up. How do I go about filing against Equifax and holding them responsible for keeping my credit report vulnerable?
Consumer complaint received 2022-03-06
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. (AZ)

XXXX XXXX XX/XX/2022 Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern, Intent to file lawsuit, HIPAA Privacy Violation I, XXXX XXXX, never gave EQUIFAX any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 

Validation Letter sent to : XXXX XXXX, XXXX XXXX, XXXX & XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA.

In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of ARIZONA medical privacy rules XXXX 

XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX -- XXXX XXXX XXXX, & EQUIFAX Did NOT provide me a HIPAA XXXXelease that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. 


As a consumer, I am demanding a deletion of the following accounts as you do not have my consent to furnish anything on my consumer report pursuant to 15 USC 1681b, The following 8 transactions are also against my individual right to privacy : 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 Sincerely, XXXX XXXX
Consumer complaint received 2022-03-06
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. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # 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 2022-03-06
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. (MI)

In accordance with the Fair Credit Reporting act XXXX  # 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 2022-10-17
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 (VA)

PayPal and I have a dispute over {$1500.00} they gave me - not a direct part of this complaint, but I contend that it is the cause of PayPal 's criminal actions against me. Please note that their criminal acts also prevent me from addressing the matter.

This complaint addresses a recurring criminal act- PayPal will not allow me to log in to my account. Complaints to your office result in a single login and the block is returned.PayPal 's criminal act of blocking my online access is interfering with my financial relationship with a third party. I am harmed by PayPal 's criminal acts.

When I can log in to PayPal.com when I see fit to do so, I will fulfill my obligations to PayPal. Because I can not login to PayPal.com, I am harmed and demand immediate remedy.ect me to be stupid.

PayPal will tell you - as they have told me - that this is a website error. IT IS NOT. Please do not expect me to be stupid.
Consumer complaint received 2022-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (KS)

In late XXXX or early XXXX of 2022 I purchased an XXXX from XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX ( XXXX ) XXXX. I ask them if I could finance this as I did not want to spend money from my savings. She said I will locate, get your info and let you know. 5 minutes later she said she could get it financed and so I said go for it. The company took the loan which I had ask for {$4200.00}. When I got the paperwork they had already added money for finance. The total now was {$4900.00} and the payments would be {$150.00}. On the XXXX of XXXX I went to XXXX 's and ask to trade my original purchase in for an upgrade. They told me how much it would be and I agreed. I went to my Bank witch is XXXX XXXX XXXX XXXX and ask them to take this entire loan. They did and sent a check to the finance company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX PH : ( XXXX ) XXXX. ) The bank knew that this had to be paid prior to the XXXX of XXXX to avoid adding more interest charges. So they sent the check overnight with a signature required. The check was signed for on the XXXX of XXXX. It is now XXXX XXXX and they keep adding interest and wanting a payment. I have tried to call the company numerous times and to date have had no success from anyone at this company. All I want is to protect my credit score. If they show me as a no show then I will be left with no choice but to sue them. Not sure you can help with this but I am desperate. I value my credit score of XXXX and have worked hard to get it up. All my bills are paid every month and have not ever had a late. My phone number is ( XXXX ) XXXX. If I am barking up the wrong tree then pleas notify me I may proceed. Very Respectfully, XXXX XXXX XXXX