davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

On XXXX-19 I attempted to retrieve my credit report from Equifax. Although I provided the necessary information, the system on the Equifax side sent back a message saying something regarding not being able to process online. On XXXX-19 I tried again and received the same message although all of my information was correct. After trying at least 3 more times and receiving the same message, I called Equifax and spoke with a representative who was first of all hard to understand and was absolutely no help. I asked for a supervisor and after a while a lady who was also difficult to understand came to the phone by the name of XXXX. I told her the situation and once again provided my information. My information was correct, however, the supervisor told me as well as the online system showing ... could not process online. 
I told her that I received my credit reports from both XXXX and XXXX with the exact same information. All the lady told me was that I needed to request by mail and provide certain identifications before they could proceed. I am VERY angry at Equifax and found them to be extremely difficult and uncaring. Every time I mentioned the situation she would only ask me the same questions over and over again and exactly as she did in previous statements to me. 
I eventually hung up the phone as this lady/company seemed not to care about consumers. 
I need my credit report immediately as I believe that information on that credit report from Equifax is the reason I was turned down for a loan. There is nothing showing negatively on XXXX or XXXX. However, I believe the problem to be with Equifax although I do not believe that there should be anything negative on that report as there were no negatives on the other two. 
This situation is causing problems for me as I need a loan to proceed with my living situations. They claim that my information does not match the information they have on file ... however, I know my own personal information and what I provided is correct. The misinformation has to be on the Equifax side.
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX and XXXX 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.
Consumer complaint received 2022-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (CT)

On XX/XX/2022, I realized that I my social security number may have been compromised. I contacted Citi and requested help or information about additional steps I could take to protect my accounts. I was told I had nothing to worry about. On XX/XX/2022 there was an unauthorized EFT from my checking account ending in XXXX in the amount of of {$5000.00}. 

Citi refused then and refuses now to protect me in violation of CFPB Regulation E. I have submitted copious evidence to Citi bank proving that this EFT was unauthorized. Citi has ignored my submissions. I was also told that my case, no. XXXX, was still open on appeal, but calls to customer service today revealed that it is marked as " denied and closed. '' Furthermore, Citi carelessly allowed ongoing ( legitimate ) debits to said account after I had repeatedly been assured that it was " frozen '' to protect my funds. 

I also notified the recipient bank, XXXX, that the unauthorized EFT went into an account at its bank and it has refused to acknowledge my complaint and request for action. Thus, XXXX is allowing its institution to perpetuate crimes, as I am sure I am not the only person the perpetrator has targeted.
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

On or about XX/XX/XXXX thru XX/XX/XXXX XXXX XXXX XXXX is reporting inaccurate information to credit reports ( XXXX XXXX XXXX  equifax, for a car loan. The account was closed on XX/XX/XXXX and the balance is increasing as of XX/XX/XXXX while it was included in the Bankruptcy filing by XXXX XXXX XXXX, at XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX.
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX and XXXX 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.
Consumer complaint received 2022-06-09
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: Southern Oregon Credit Service, Inc. (OR)

I attempted to pay this debt. The creditor service did not have a record of the debt. 
It's lost.And a negative remark I was able to have removed from all my other credit reports exept XXXX. Please help me remove.
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX XXXX XXXX XXXXDOFEDXXXX XXXX  XXXX XXXX XXXX XXXX XXXX U SDEPT OF EDXXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC 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 2022-11-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (PA)

Made an online purchase from XXXX XXXX  on XXXX and M & T put a hold on my card. After 2 hrs of being put on hold with the fraud dept they hung up on me. I called back again and after 2 hrs of being on hold again they hung up on me. I called 3x on my cell phone to speak to an operator and a supervisor and they got me nowhere. I started my phone call at XXXX XXXX and here it is XXXX XXXX with still no assistance from my bank who is holding my own XXXX money! 4 and a half hours later and still no help! Holding my money XXXX for a purchase I truly need for my home!
Consumer complaint received 2022-08-31
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. (PA)

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. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (FL)

Account : SYNCB/XXXX  XXXX - ( last reported XX/XX/XXXX ) - CLOSED account delinquent/late payment. During the pandemic, in the month of XXXX I had merchandise on order from XXXX XXXX which had been delayed on delivery for a 3rd time. I chose to cancel most of the purchase and only wanted a single item for which I was going to pickup from the warehouse to avoid a delivery fee. An attempt was made to deliver merchandise at my residence, I refused delivery due to the fact I was going to be picking up the merchandise. I went to the warehouse to pickup merchandise and was told it was out of stock, therefore never receiving anything at all. I was later charged on my Synchrony/Ashley XXXX account for merchandise I never had delivered or picked up. I submitted several disputes with Synchrony/Ashley to get the balance corrected on the account and was instructed to not make a payment on the balance since I never received any merchandise. The length of the disputes and the fraudulent balance was extensive. 

I am requesting that they remove the delinquent reporting for months XX/XX/XXXX 30 days, XX/XX/XXXX 60 days & XX/XX/XXXX. This reporting is inaccurate due to the fact that they reported my payment as being late when the balance was inaccurate and I was in the process of multiple disputes trying to avoid paying for merchandise I never received. This reporting is negatively impacting my credit report and is a result of their error, I would like a speedy resolution/response to correct this and to have all derogatory marks on this account removed.
Consumer complaint received 2022-03-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Brightfunders, LLC (IL)

In late XXXX I received a letter from XXXX XXXX XXXX stating that they will be taking over my mortgage. I went to the website and tried to make a payment. When it didn't work I called them and spent an hour on the phone but they could not locate my information. I reached out to the original mortgage company, LOWER.COM / HOMESIDE FINANCIAL who said they would make the payment on my behalf, they said I could just pay them, they would take care of the payment, so I paid them. About a month passes, in late XXXX I sent my XXXX payment to XXXX XXXX XXXX  for my XXXX payment, however they applied it towards XXXX, since LOWER.COM - HOMESIDE FINANCIAL never sent the payment as promised from late XXXX. I spent dozens of hours speaking to dozens of people at both Mortgage companies, emailed dozens of times. Now the new Mortgage company is harrasing me with multiple phone calls each day demanding the payment I made but LOWER.COM - HOMESIDE FINANCIAL paid it so late, the new mortgage servicers RECEIVED MY MORTGAGE PAYMENT FOR XXXX ALREADY, but applied it to XXXX. They applied the funds sent from LOWER.COM HOMESIDE Financial to back-office monies that they owed them from the transfer of the mortgage. When LOWER sent the check they did not write in the memo it was for XXXX, the funds were misappropriated, and I have now paid 3 mortgage payments in less than 60 days, XXXX is saying the recent payment is 22 days late, now wants another payment for XXXX. They are doubling down on me and trying to sweep the mortgage payment I made in late XXXX under the rug. The constant phone calls and letters are causing me undue stress and its unnecessary. Its due to the original Mortgage company excersizing deceptive business practices.
Consumer complaint received 2018-04-27
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. (CA)

I requested via dispute to have two fraudulent accounts removed from my credit report. I submitted all the required information per FCRA 605B. Request was submitted to Equifax on XX/XX/XXXX, via online dispute and corresponding information was faxed per the company 's request as well as uploaded to the dispute. I called the company on XX/XX/XXXX at XXXX and spoke with XXXX, who told me the request would take 30 days to process and they received my request from the mailing department where I faxed it to on XX/XX/XXXX. I advised XXXX that by Federal Law, information regarding identity theft and fraud accounts should be blocked, per FCRA 605B within 4 business days of receipt of the following information : ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

I provided Equifax the following on XX/XX/XXXX 1. ) Appropriate proof of identity attached, drivers license and social security card. 
2. ) Copy of identity theft report from law enforcement agency which states which accounts are a result of identity theft. 
3. ) This letter which identifies which information should be blocked 4. ) Attached notarized statement of fact that this information is not related to any transaction by me. 

It is over 20 days later and this information still appears on my credit report for XXXX XXXX and XXXX, although other credit reporting agencies has already removed the said information. XXXX asserted that the process within Equifax takes 30 days. I continued to ask why they were omitting the law, and setting their own timeframes and she kept reiterating the 30day timeframe and had no answer as to why they were not removing the information, although all the correct information had been received. At this time Equifax is in violation of FCRA and Federal Law. 

Please note, in this phonecall Equifax admitted to having all the information needed, however will still process within their timeframe and not the timeframe determined by federal law. I suggest pulling this phone call for record.
Consumer complaint received 2021-11-04
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. (FL)

please be advised, Ive been a victim for identity theft. Ive seen a number of fraudulent things on my credit report. 
XXXX XXXX  ( XXXX  ) Whom Ive never done business with or entered into a signed contract. This account is fraudulent.
Consumer complaint received 2022-08-08
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. (FL)

I received a copy of my credit report and found the following item ... XXXX XXXX - amount {$350.00} to be a Violation of my Rights. I do not know this company nor ever did business with them. 

HIPPA laws do not allow my doctor or health care provider to share my medical files without my consent under a HIPPA release I do not know this company or ever had business with them. This company contacted me. They did NOT provide me a HIPAA release that releases my medical information to a 3rd party, therefore by providing me with my medical information they are in VIOLATION of my HIPAA rights. I will seek every legal remedy available to me and file suit against the credit bureau responsible. for reporting violations This account is : Violation of my HIPPA Rights Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character In accordance with the Fair Credit Reporting act XXXX XXXX has also violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions This account has been removed from XXXX and XXXX due to many violations Equifax states this account was varified as accurate. I am requesting the information below and ALL the information that was provided to Equifax 1. Balance and all payment history I have supposedly submitted/not submitted, what the payment is for or delete ; 2. The name, address and phone number of each person you spoke with that varified this account or delete 3. Provide 1099c and credit insurance or delete ; 4. Provide original signed HIPPA Release and original signed contract with me and XXXX XXXX or delete ; 5. Provide payoff discllosures, interest rate disclosures or delete ; 6. Provide collections ; license number and court documents that allow XXXX XXXX to continue to pursue this debt in Florida or delete ; 7. Provide documents that states this account was purchased or are you cellecting on the original account holders behalf or delete.
Consumer complaint received 2023-08-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (NY)

Opened a checking account offering a {$600.00} promotion after {$10000.00} in direct deposits back on XX/XX/2023, about 5 months ago. Promo code for bonus was XXXX and entered during application process to open account. Requirements for the bonus were met but no bonus has yet posted to account.
Consumer complaint received 2018-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank froze my account and did not fund the checks and auto payment we made without informing us. This caused our car lender to report us as late payment to the credit bureau resulting to a damage credit score. We were on the call with Chase bank on XX/XX/XXXX and on XX/XX/XXXX. We were also at Chase Bank branch on XX/XX/XXXX to request for a temporary ATM card. During those times nobody informed us that Chase will stop funding all our payments. I only found out that Chase was not funding my check when my car lender reported us for late payment on XX/XX/XXXX. I was at a Chase Bank office on XX/XX/XXXX and XX/XX/XXXX to clarify what was going on. All I can get for an answer was that our account was frozen and that nobody could explain why. Attached is a copy of the bank statement that shows unfunded payments.
Consumer complaint received 2020-03-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (VA)

I called Wells Fargo on Saturday, XX/XX/XXXX to inquire about refinancing ( no cash out ) my existing Wells Fargo mortgage ( balance of $ XXXX on my primary residence valued at least at $ XXXX ) into a 15-year at 2.75 %. I spoke with XXXX XXXX, XXXX xXXXX, and was prequalified based on my income, debt-to-income ratio ( which is well below the industry standard of 36 % ), and unbroken, lifetime history of timely payments. I provided all the required documentation, to include pay stubs, W-2 for 2 years, proof of insurance, and current mortgage statements. I provided proof of ability to cover all closing costs in cash, if needed. The application was sent to processing. Subsequently, Wells Fargo raised their rates on the 15 year fixed to 3.5 %. At the same time, they arbitrarily increased my income requirement to $ XXXX/year. They will be able to deny my loan on this basis, which will materially impact my credit report negatively, causing extreme financial harm to me. I have never missed a payment, declared bankruptcy, or not paid off a debt. All I am asking Wells Fargo for is a complete cancellation of the transaction without further harm to my credit report. I just found out about this arbitrary income requirement increase today, and the people who are available by phone today dont have the ability to help me. I am trying to get ahead of this before they deny the loan and damage my credit. 

Wells Fargo is continuing to engage in deceptive and fraudulent behavior, at the expense of honest, credit-worthy customers, so they do not have to honor commitments. They havent learned anything from their recent fraudulent actions, convictions, and fines. 

In addition to this complaint being forwarded to Wells Fargos executives, particularly the Chief Compliance Officer, please also copy XXXX and XXXX.
Consumer complaint received 2018-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (CA)

My loans have been in forbearance due to part-time enrollment at a XXXX   college. I finished my last class in XX/XX/2018, and my first payment should not have been until 6 months from that date, which would be XX/XX/2018. However, knowing how sneaky private loan servicing companies ( i.e., Navient, my student loan servicer ) are, I checked my balances monthly. I checked in early XXXX and nothing was due. Then I checked again today, on XX/XX/2018, and saw a payment due on XX/XX/XXXX. Navient failed to notify me ( despite me being enrolled in email notifications ), and did not honor the 6-months timeline for forbearance to end after seizing enrollment. I believe Navient did so on purpose, to unsuspecting customers, forcing them to miss a payment. Please investigate, and I will surely be following up with Navient today as well.
Consumer complaint received 2020-04-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Account Resolution Corporation (MD)

XXXX XXXX XXXX XXXX, MOXXXX ( XXXX ) XXXX The amount is {$220.00} I was told if it was paid the collection would get removed from my credit reports and would no longer shower up a negative information. 
The debt was already paid. The invoice number is XXXX
Consumer complaint received 2022-03-23
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. (NV)

I do not recognize the following hard inquiries. I did not authorize any of it. I attempted a few times to remove it with the credit bureaus but they wanted me to file for an official legal document. 

1 - XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX Inquiry date : XX/XX/2021 2 - XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Inquiry date : XXXX XXXX, 2021
Consumer complaint received 2022-03-23
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. (GA)

I spoke with XXXX and equifax today which is XX/XX/XXXX about some negative inquiries that are reporting on my credit report and they did nothing to help but give me a hard time. 

equifax : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX,