davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I received a call from XXXX XXXX and XXXX Credit card companies. They both said that they had not received a payment. I thought that it was odd, since both we on auto bill pay. I looked into my accounts, and XXXX XXXX had been " paid '' but the auto bill pay for XXXX XXXX was gone. I called XXXX, and determined that the auto bill pay had been deleted for XXXX the same day that " XXXX XXXX '' had been paid. I noticed that the amount was different than normal. So I called XXXX XXXX and they confirmed that the payment was not made to them. I then called XXXX XXXX and reported the charge as fraud and the money was refunded to me. XXXX confirmed that my account must have been hacked and that I needed to change my user name and password and if the charges continued, then I would need to change my account number. I had the payments all set up, like I have for years, so I requested that the charges be removed as late from my credit as I immediately set up payment, but my account being hacked and fraudulently payments had been made in the company 's names. XXXX advised me that it was not their issue and to file a complaint with the credit bureau if I felt it was an issue. I was told " Good Luck '' with getting anything removed as someone hacking my account was not taken into consideration.
Consumer complaint received 2020-12-24
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. (FL)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Consumer complaint received 2018-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

i have written XXXX on XX/XX/2018 to have them address an issue on my credit report and they fixed the problem on XXXX, but closed my account and wrong open date for Equifax. Please assist me in correcting the issue
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Someone try to misuse my Personals information and get Autoloan. Below are the 3 hard enquires that are not done by me. I tried to reach out Equifax, XXXX & XXXX but they are not removing below 3 hard enquires. Can you please help in removing these 3 Hard enquires from all the 3 credit bureaus ( Equifax, XXXX XXXX XXXX ). 
I spoke to finance team at " XXXX XXXX XXXX XXXX XXXX XXXX '' & they told me that someone tried to use my details and get a vehicle & they were able to figure out that it was fraud. 

XXXX XXXX XXXX ( Bank ) XX/XX/2022 XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX  XXXX ( Auto ) XX/XX/2022 XX/XX/2022
Consumer complaint received 2020-12-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (KY)

The options it gave to describe the problem were not broad enough to include our issue - so I choose closest option. 

This debt resulted from the credit card purchase of a XXXX XXXX cell phone at Best Buy. The camera was defective. The entire selling point for this {$800.00} phone was the camera - we could have purchased ANY old phone to text and call! We reached out to Best Buy multiple times, they REFUSED to help in any way. No exchange, no refund. We then sent the phone to XXXX for repair under warranty, but when they sent it back the camera was not fixed. 

As it was purchased on a credit card and the balance remained, we called the creditor to file a dispute. They refused to take our dispute. We followed up by putting it in writing and sending it certified mail, return receipt. They would NEVER acknowledge our dispute and continued billing. We sent another notification of dispute and copies of documentation again with the billing statement. NO RESPONSE. Months later, we get a collection notice from XXXX XXXX XXXX. We informed them it was a disputed charge and they ceased pursuit. Now, a few months later, this attorneys office, XXXX XXXX  XXXX, are aggressively pursuing this matter. We have informed them it is a disputed charge and provided them will all documentation. They have failed to respond to our communication on the matter, have sent the XXXX XXXX to our door attempting to serve legal papers, and most recently sent notice to the postmaster for address confirmation to serve legal papers. They do not care that this is a rightfully disputed debt. They are pursuing it aggressively, looking for an easy payout. We intend to fight this fully, but these kinds of tactics should not be permitted. 

XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX We had every right, under the consumer credit protection guidelines, to dispute this charge. We have documentation to support everything that we did in effort to resolve this matter. Prior to this, we had a long-standing account demonstrating excellent payment history with Best Buy. 

The fact that they are continuing to aggressively pursue a disputed debt, even after they have been notified and provided more than sufficient documentation to substantiated that is appalling and wrong. 

Lastly, as they have ALSO been notified. We do still have the phone in question in its original box and would be MORE than happy to return it to them immediately, provided any negative credit reporting related to this matter is corrected and removed.
Consumer complaint received 2020-12-24
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. (CA)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.
Consumer complaint received 2021-03-12
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. (MA)

The following account could not be verified or validated by XXXX XXXX store card. All information including XXXX, XXXX, XXXX and account numbers were provide in the request. 

Although they did respond they failed to satisfy the requested information for validation of the account. 

I am requesting this account be removed immediately from my credit reports. 

The original request is attached as well as the response from the company.
Consumer complaint received 2020-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Consumer complaint received 2020-12-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: MoneyLion Inc. (NJ)

XX/XX/XXXX I received an unsolicited Debit Card issued by XXXX/MoneyLion XX/XX/XXXX I used the online chat system from the website and ultimately called customer service to ask why the card was sent. The representatives asked for every possible piece of personal identification, from Social Security number to date of birth, all contact information from address to email and phone. Then they confirmed 2 accounts were opened using my information BUT they refused to give me any information on how they were opened, when, or by whom. They insisted that I would have to submit an affidavit to their fraud department in order to open an investigation and that it would be mailed to me. Then before I could request any additional information they said a hasty goodbye and hung up on me. 

**The phone number in the letter they sent with the card was a non-working number.
Consumer complaint received 2022-10-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

On XX/XX/2022 I sent notice to XXXX XXXX XXXX that I am disputing a negative, inaccurate, unvalidated tradeline they are reporting under my social security number to Equifax. Unfortunately, XXXX XXXX XXXX did not respond to my dispute OR mark the tradeline they are reporting to Equifax as disputed within 30 days of receiving my formal dispute which is a violation of the FCRA. 

I sent a follow-up dispute on XX/XX/2022 notifiying XXXX XXXX XXXX XXXX their violation of federal law by not responding to my formal dispute in a timely manner. As of today, XX/XX/2022 they have yet to formally respond to me, apparently they think they can ignore my claims against them with the assumption that I'll just go away. I am here to tell them that I will not go away! I am demanding they delete the tradeline they are reporting as over 120 day past due, with a balance of {$1500.00}. 

The Fair Credit Reporting Act states that I have a right to dispute inaccurate information that a furnisher reports under my social security number, and the furnisher is required by law to respond to the dispute, notifiy the credit bureau they are reporting to, AND prove that they are reporting facutal information. XXXX XXXX XXXX has violated the law by failing to do all of what the federal law spells out regarding handling my dispute. 

In addition to that, I have disputed this tradeline directly with Equifax and they claim to have verified the account which I highly doubt considering how unresponsive the furnisher is to me. 

If they continue down this path, and fail to delete the negative tradeline they are reporting as over 120 days past due with an unpaid balance of {$1500.00}, I will be seeking {$1000.00} per violation and they will be required to appear at a venue local to me to defend themselves.
Consumer complaint received 2022-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MA)

Equifax does not update my credit report after several attempts with the company. Its been 6 months without a change. 

Its missing 2 credit card account that makes the majority of my credit age and number of accounts with corresponding to about 33 % of the itens that compose the credit factors. 

The difference from their credit report compare to XXXX and XXXX is about XXXX points. 

All credit card companies mentioned report to Equifax on a monthly bases. 

Its been known by the public that the company is having problems this year with their system and affecting millions of people. I am one of them. Please fix my credit report immediately.
Consumer complaint received 2022-10-09
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Statebridge Company (CA)

Dear Statebridge, As you are aware, I have been trying to resolve this issue with the original creditor, XXXX XXXX XXXX XXXX XXXX XXXX as recently as their last response on XX/XX/XXXX through the Consumer Financial Protection Bureau XXXX Their latest response produced more information that states that my previous mortgage company did not pay the XXXX XXXX XXXX loan in question. They were never paid their proceeds during the Escrow and Title proceedings, yet my mortgage went up {$48000.00}. Since my previous mortgage company is gone out of business and the Title company has changed ownership and relocated, they have no record of that transaction and I am at a point where I can no longer challenge this account. I am a victim of the financial crisis of XXXX with my previous mortgage and title company gone. Now, seeing how I just received a response from XXXX on XX/XX/XXXX, how can you file a notice of default on XX/XX/XXXX? Isnt there a time period before you can file a default? 

Maybe you did not receive notice, so I am filing this complaint through the CFPB as record to provide you with information about claims submitted to the original creditor. How can you file another Notice of Default and Election to Sell on XX/XX/XXXX? Isnt there a three-month time period to cure a default in California ( Cal. Civ. Code 2924 )? We contacted you XX/XX/XXXX through the CFPB about us dealing with XXXX the successor to XXXX XXXX, trying to find out what happened to our escrow payment. Which I responded to on XX/XX/XXXX, so when will the three months start? We dont have money to keep paying your lawyer costs and fees while we are disputing your claims. My lawyer says the best action would be to contact you about reinstatement but you filed another Notice of Default and Election to sell. The earliest you should be able to do this action is XX/XX/XXXX based on my first dispute through the CFPB. This is crazy. How is this not another violation? Don't you have to go by the rules and time periods for debt collection in my state? 

That being said we have no choice but to try and reinstate this account to stop this foreclosure. Please provide us information to proceed and reinstate Loan # : XXXX. Any considerations on the terms of reinstating this loan would be appreciated because Im just a XXXX  and I can not keep paying all these fees, Im already out {$48000.00} dollars + your previous XXXX in fees. How does this stop?
Consumer complaint received 2018-12-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (NY)

I filed a loan application of home purchase to PNC Bank on XX/XX/XXXX, borrowing {$230000.00} ( 80 % of the home purchase ). 
The employee of PNC XXXX XXXX was handling the case. She was impatient answering my questions about the loan application and pushed me to the following steps, where I was stepping in troubles. 
She gave me the quote of the loan rate and credit based on the loan amount {$230000.00} on the phone and said would send the information we talked on the phone in an email. But she changed the loan amount from {$230000.00} to {$220000.00} ( 75 % of the home purchase ), which is hardly to find out because everything else like the rate, credit are the same as we talked on the phone. 
Things were getting worse when I tried to sign the loan contract, I found everything related to money is changed : down pay, rate, credit ( changed from {$6600.00} to {$6000.00} ). 
when I tried to reach out to her and understand what's going on, she refused to answer about this asking me contact her assistant XXXX XXXX, who hadn't involved in the quote and just simply told me to either accept everything in the contract or change loan amount from 80 % to 75 % of the whole purchase amount with different credit than the quote. 
I withdrew the loan application from PNC and ask them to keep my private information confidential. And I told XXXX XXXX I would complain to CFPB. 
She texted me blackmailing me in XXXX, still not answering why money related information in the contract is different from the quote.
Consumer complaint received 2018-12-29
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: EQUIFAX, INC. (VA)

In XX/XX/2018 XXXX XXXX XXXX pulled a credit with out my consent or authorization I would like this inquiry removed as it's affecting my credit.
Consumer complaint received 2022-10-09
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. (FL)

In accordance with the Fair Credit Report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX 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.

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 1681 1s-2 ( A ) ( 1 ) A person shall not furnish 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 2022-10-09
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-12-29
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Nelnet, Inc. (FL)

It is extremely difficult to repair and raise your credit score when you have multiple accounts for student loans. Student loans are high, and, unfortunately, falling behind means it affects your scores dozens of times. Student loans should be consolidated to one account so that it doesn't drag your credit score down. Low credit score because of student loans are having a harsh effect on the graduates quality of life which makes it even more difficult to pay back the student loan. This complaint is a call for legislation that would consolidate an individual's student loans into one account so that their credit score isn't so harshly affected.
Consumer complaint received 2018-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX has violated x 15 USC 1692 by continuing collection activity after a cease and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2021-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENTAGON FEDERAL CREDIT UNION (CO)

I refinanced my condominium ( just under {$700000.00} ) with XXXX XXXX, closing in XX/XX/2021. I made three payments to XXXX ( XXXX, XXXX, and XX/XX/2021 ) when I received information from Pentagon Federal Credit Union ( PenFed ) that my loan had been sold to them. I registered on their website for automatic payments in mid-XXXX, but noticed that my XX/XX/XXXX payment didn't appear on my bank website. When I checked my PenFed account on their website, it showed I was delinquent for XXXX, despite the fact that I paid XXXX in full to XXXX. I called PenFed on XXXX XXXX and reported the problem. They said they would look into it. They said it looked like XXXX had transferred the principal amount of my payment, but not the interest. I also reported this to XXXX XXXX the same day and received an email saying they would investigate. On XXXX XXXX, I received an email from XXXX XXXX  ( with whom I have another loan ) reporting a negative report on my credit record. PenFed filed a delinquency for the full amount of the loan balance 12 days after I reported their error to them. I have been working with them since them but they have failed to remove the erroneous delinquency report from my credit record, causing my score to drop to very poor score. This seems to be a blatant violation of the Real Estate Settlement and Procedures Act, Section C ( 1 ), which provides for a 60-day grace period for reporting to credit bureaus. I have been in contact with Vice Presidents from both XXXX and PenFed but they have not removed this erroneous report from my credit record. I have made all payments timely. I am attaching email correspondence with XXXX XXXX showing that they acknowledge the error.
Consumer complaint received 2018-12-29
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (PA)

Ive called numerous times to XXXX XXXX. i pay {$50.00} for a loan from XXXX and XXXX universitys collectively. The loan together is a little over {$5000.00}. I pay on time every month but their interest rates are so high that my amount i started with is higher now then when i first received the loan. Then they expect me to pay more come XX/XX/XXXX and my loan isnt even getting lowered
Consumer complaint received 2022-10-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (GA)

I have 2 collection accounts that are not mines. The Macys acct attached does not belong to me Im not sure were they got this from. They say they have a judgement against me but Ive never been served any paperwork. This needs to be removed from all 3 credit bureaus. They are harassing me.

The other attachment is a medical bill that is not mines. Im not sure what this is and does not belong to me. Please remove from all bureaus as this is fraudulent. Ive called both companies with no resolution
Consumer complaint received 2018-12-29
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: JPMORGAN CHASE & CO. (VA)

On XX/XX/2018 and XX/XX/2018 XXXX XXXX XXXX XXXX pulled an authorized hard inquiry from my XXXX and XXXX  credit report.