davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-14
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: LEXISNEXIS (KS)

A dispute was sent to XXXX on XX/XX/2018 regarding unverfiable information on my Transunion credit report. As of XX/XX/XXXX ( today ) I called XXXX and talked to " XXXX '' in XXXX 's Special Handling Department. She claims Lexis Nexis is sending them verification of my disputed item ( s ). I have proof of " suppression letter '' attached and " security freeze '' letter attached, I placed on my Lexis Nexis report in XX/XX/2018 XXXX suppression ) and XX/XX/2018 ( security freeze ), yet they are still claiming Lexis Nexis " verified '' their information. Lexis Nexis has assured me via phone and per suggested " suppression '' and " security freeze '' that information can not be accessed through their portals with XXXX once these items are in force which they are now and were at the time of supposed verification. XXXX claims they " verified '' and Lexis Nexis is still reporting according to XXXX. I would like Lexis Nexis to abide by their " suppression '' confirmation and " security freeze '' confirmation ( documents attached ) and protect my privacy by disallowing XXXX to continue to verify their information they are supplying erroneously and obstructing my rights under FCRA.
Consumer complaint received 2019-01-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (MA)

CitiMortgage received a short sale offer from me on XX/XX/XXXX. I'm an XXXX XXXX military service member that has had orders. I have been in default since I had to leave. We submitted the short sale XX/XX/XXXX - Citi took this time until XX/XX/XXXX to say that my file was REJECTED because they said that the " borrower '' which would be me, dated the purchase contract XX/XX/XXXX and my property was not on the market 15 das PER HUD GUIDELINES. My property WAS on the market for over 15 days. My property was LISTED XX/XX/XXXX, and then had multiple offers submitted on it. The buyers sign offers when they submit for review. My agent took it off the market to review offers with me on XX/XX/XXXX. From XX/XX/XXXX until XX/XX/XXXX is exactly 16 days. I did not fully execute the contract until the XX/XX/XXXX. We immediately escalated this with CITI to show them their error. They said it needed to have a variance from HUD which it does NOT because we met the 15 days on the market but some negotiator read BUYER signing date and substituted that with the BORROWER signing date ( which is the seller - ME ) - It has been SINCE XX/XX/XXXX to try to straighten out this issue. We have escalated to MULTIPLE departments, without response. Meanwhile my property sits, and my default days grows. My sale should be moving forward
Consumer complaint received 2019-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A. (GA)

I have information on my personal report that belong to my business XXXX XXXX XXXX XXXX because of this my credit shows a mixture of credit for my business and my personal and it has affected my debt. ratio. negatively.
Consumer complaint received 2022-08-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (CA)

I made a payment to EdFinancial on XXXX {$1000.00} on one of my loans when I saw they were compounding interest daily and I was still attending school with no job during a pandemic. 

I found out that I can request a refund on the loan and I am suffering a financial hardship and need a refund of that payment. 

I called in to EdFinancial on XX/XX/XXXX and requested a refund of this payment via postal service since the account I made the payment with is no longer active for a direct refund. 

I also chatted with their service to follow up a week later. I uploaded a formal letter to them on XX/XX/XXXX outlining my request for the 3rd time. 

To this date I have no confirmation that they acknowledge my request and have been ignored with no notation of refund requisition on my account. 

Please help me with this.
Consumer complaint received 2022-08-27
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)

The company XXXX finally responded that the account is accurate on XX/XX/18 to CFPB but they would put it on hold until they could verify it with the creditor. That is not true. I do not owe them or the creditor they are collecting for. They also responded that my name is XXXX XXXX that is inaccurate as well. Which shows me that the company frequently makes mistakes. The company responded that the collection would be put on hold and reinvestigated. The collection still shows on my credit report as of today. I would like it removed completely. I have yet to receive anything from XXXX, the credit bureau, or from the creditor to show that the account is accurate. I spoke with the original creditor over a month ago and still havent received anything to show I owe them. This inaccurate account has caused significant financial and emotional harm to me. Equifax has failed to properly investigate the inaccuracy. My rights have been violated and I want it stop now.
Consumer complaint received 2022-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (GA)

On XX/XX/2022 my now husband and I were in a car accident where I was the passenger. I believe the company that reports these things is called Lexis Nexis and they reported the accident under my name and now I am in jeopardy of my insurance being non renewed. I have tried to call the company several times and as soon as I give all my personal information the line drops. I have sent out a letter of dispute as well. I would like for them to update my driving record as this is not my incident and I should not be penalized for it.
Consumer complaint received 2019-09-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (FL)

Good afternoon after 2 months trying to reach a payment arrangement with ally finance which during that time every time I called nobody gave me an answer every person said something different and I explained that I had lost my job but did not want to lose car that they would give me some time they would say that if I could get some money they could make me the payment arrangement which I found difficult because I did not have money finally they lent me XXXX and I paid them for a stay for three months which today came a letter and They only gave me a month because in that call I was mistreated for not speaking English  the person who attended me on XX/XX/2019 who made the payment arrangement told me that he will pay English classes and after I learned I made the payment arrangement I desperate I went out and I got a person who will translate me and make me repeat every word in English for me I was discriminated and now I only have one month to pay which were three m This is how I will not be able to lose the car now I ask where are the human rights I asked to speak  with a boss and nobody passed the call simply because I am XXXX and spoke XXXX  thanks for listening to me this started in XX/XX/2019 and it didn't end yet
Consumer complaint received 2019-09-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TCF NATIONAL BANK (TX)

There are two parties on the loan account for a XXXX XXXX XXXX financed through Gateway. We have tried to be refinanced, but the bank refuses to do refinancing and we are now subject soon to repo. The primary person is not the owner of the actual vehicle, but the co signer is. The way the car dealership got us approved was by placing XXXX XXXX as the cosigner, instead of the primary. 

XXXX XXXX is currently and has been actively on SSI XXXX. Due to the high monthly note, we have had to already extend our contract by two months. We have also received numerous calls. We have been told that if we don't secure payments, we would be subject again to repo prior to even the dates of when a repo can actually start to take place. We tried the other day to cancel a secure payment ( which we were forced to do as they said we have no other option, and would be up for repo if we didn't " secure '' a pre planned payment ) because of health issues that just came up, and in fact we almost couldn't afford to pay rent this month. But, they have once again refused. 

We can't afford to have no vehicle as well as a repo. Please help. We have tried trades, selling privately, refinances, etc. We have even tried to apply to transfer debt to credit card and got denied. 

Also, ever since we got the vehicle we have had concerns on the loan due to the numbers seeming to not be correct, but the dealership and bank said they are ... but .... please see.The loan even includes a XXXX trade POSITIVE equity. 

The dealership said the bank and them were fine with us heading out after the deal and we could just show insurance proof later on, also.
Consumer complaint received 2022-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (VA)

XXXX has charged my card for services that I am not able to access. I have tried to get a hold of them but due to no phone number, was unable to get into contact with them. I have put a stop on my credit card but XXXX is taking my money fraudulently and I want my money back for XXXX and XX/XX/2022.
Consumer complaint received 2022-08-27
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: LEXISNEXIS (TX)

In accordance to FCRA lexisnexis is breaking the law improperly misuse of credit report account # XXXX XXXX XXXX Bankruptcy Court. 
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.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2022-08-27
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. (SC)

I am a victim of identity theft. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX have all obtained my non public Identifying information through fraud & identity theft. I have never contracted with any of these companies. This also serves as notice for all of the credit reporting agencies to list a few but not limited to XXXX, Equifax, & XXXX. Please remove these fraudulent account or be held liable for willful breaking of the law.
Consumer complaint received 2022-08-27
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. (LA)

In accordance with the Fair Credit Reporting Act the account listed below has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX 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.
Consumer complaint received 2022-08-27
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. (FL)

XXXX XXXX XXXXXXXX XXXX XXXX  {$2000.00} XXXX XXXX XXXX XXXX {$94.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$430.00} XXXX cards is on there also and its alot of inquire on my credit report that are unauthorized by me i have no knowledge
Consumer complaint received 2022-08-27
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. (CA)

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 2020-08-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (MN)

I recently attempted to open up a Wells Fargo Bank Checking Account online and my request was denied by Wells Fargo Bank, even after recently closing a fraudulent checking account that was opened in my name fraudulently and was the result of identity theft. Review Consumer Financial Protection Bureau Case # : XXXX. SSN : XXXX, DOB : XX/XX/XXXX
Consumer complaint received 2021-07-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (AL)

I have sent information to both the creditor & credit bureau regarding this violation. XXXX XXXX XXXX has violated my HIPAA rights. I have never consented with the above collector on any terms to access my personal medical records. I have notified the reporting bureau on several occasions about this situation. XXXX XXXX XXXX did not provide me with a HIPAA release that releases my medical information to them ; even more so, by providing such information they are in VIOLATION of my HIPAA rights.
Consumer complaint received 2022-08-27
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. (UT)

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 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 have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).
Consumer complaint received 2021-07-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (IL)

On XX/XX/2021, HARRIS LTD has added a derogatory mark on my credit report ONCE AGAIN. ( XXXX ) After further investigation and research, the debtor STILL could not provide original contract nor signatures. This account has transferred/sold and I am and have NEVER been responsible for the accounts. Debtor 's creditor did not verify this collection with me! There hasn't been no form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt as anyone can send a bill saying its mines. According to the FCRA, Harris LTD has violated my rights as a consumer ONCE AGAIN and I am requesting legal action to remove this account from ALL THREE CREDIT BUREAUS. Additionally, this company has responded to my most recent complaint irresponsibly, accusing me of the person who may have stole my identity.
Consumer complaint received 2021-07-14
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. (CA)

I have reached out to all 3 credit reports to remove all old addresses, I have sent certified mail to all companies thats reporting the wrong address which has been over 6mos ago, and to change there information to the right address so I can remove the old addresses, but the credit reporting agencys still reporting old information.
Consumer complaint received 2020-09-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (FL)

I am trying to apply for a mortgage however underwriting is holding me up because a 2nd mortgage that was discharged in 2010 is still showing as " active '' in the MERS system. 

We have contacted the MERS system and they have told us to contact Nationstar Mortgage / Mr Cooper to resolve. However, Mr Cooper states they have no record of the loan and can not help.
Consumer complaint received 2022-08-27
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. (NC)

I did not give consent for all these companies to make inquires on my credit report. I have disputed with the credit bureaus with no assistance. I have been a victim of identity theft and have filed appropriate documents as well. 

This includes all some have multiple entries. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-14
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 — Problem with personal statement of dispute
Company: Nelnet, Inc. (CA)

I have filed 6 disputes with XXXX to have a negative account item number XXXX on my report from US Dept of Education/GLESI ( Great Lakes Education ) to be removed from my report as it is past seven years, was since XX/XX/XXXX, or updated to show status as not past due and removed from negative standing. This account was transferred and sold and I have been making payments so account is not in past due or default status. I have a letter from Department of Education stating that this should be removed as well which I submitted. This creditor was removed from XXXX  and XXXX but XXXX  continues to give me a hard time. I have contacted them multiple times and finally they removed the account on XX/XX/XXXX but then in XX/XX/XXXX they added this account back on my report saying the creditor requested it to be added back on. I have contacted XXXX several times and they cant ever find my dispute or the documentation and keep referring my back to the creditor. I called the creditor 3 times and they say they did not report anything to my credit report as I no longer have any accounts with them as they show my accounts have been transferred. No one will help me straighten this out and it is affecting my current student loans as I am in XXXX school and as well need to send my XXXX to college. The account status of this account is incorrect as it is not over 120 days past due as it has been sold and transferred and has been making payments on. This account should be deleted from my report and XXXX is the only one that is not working on this and ignoring my disputes and keep losing my documentation that is sent in now over 6 times. I ask to speak to a supervisor and they just keep me on hold for an hour with no check ups.
Consumer complaint received 2021-07-14
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: Rocket Mortgage, LLC (KY)

Quicken Loans senior banker agent XXXX XXXX ( based out of the XXXX office ) completed a hard credit pull on me without electronic, written, or verbal consent. No application was filled out either. After I told XXXX that I did not give consent for a hard credit pull, he stopped replying to my messages, and I was not able to resolve the mistake. I have also spoken with XXXX, XXXX, and XXXX who told me they spoke with XXXX in an attempt to discuss the situation with me, and again he refused. I have tried my best to resolve the situation with the company, but have unfortunately been given the run around. 
Also as a consequence of their mistake, I have been harassed by numerous unsolicited phone calls from competing mortgage companies citing that they noticed my credit was pulled by a mortgage lender.
Consumer complaint received 2020-09-25
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: BARCLAYS BANK DELAWARE (TX)

When I submitted a complaint To your agency regarding Barclays, as part of the bank 's response, I was uploaded someone else 's credit file. Yes, using this site, Barclays shared with me someone else 's credit file. I tried to call Barclays and only got a voicemail that did not allow me to leave a message.

So, now I am wondering if this person 's credit info now a part of my file? How secure are our credit files? Has Barclay 's mixed my file into someone else 's? 

Simply look on your site, and you will find the file of XXXX XXXX and a letter written to XXXX XXXX uploaded to me. I am not XXXX XXXX. 

What a mess and invasion of privacy.
Consumer complaint received 2022-08-27
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. (NJ)

In accordance with the Fair Credit Reporting act, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX. 
XXXX XXXX  account # XXXX have 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