davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-26
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. (PA)

I previously submitted disputes ask you asking for investigations into XXXX XXXX XXXX  account # XXXX, XXXX and XXXX. Reason being I hope three accounts with them but they have reported negative payments on falsely and secondly have not reported any sort of data or update on the accounts with any of the three bureaus since XXXX. XXXX XXXXXXXX  has come back saying that there was an issue in their software and because of that they could not report to XXXX. Even if that was the case they havent updated or reported to ANY of the bureaus and so my credit rating has been tarnished because of it. and it has held me back from obtaining credit and growing my company. 

I request at this company be investigated and looked into the fraudulent practices that are harming me, probably thousands of others, and might be subject to a Civil dispute at this point. Im almost certain the reason they havent updated this or made the corrections is because it probably cost them money to report the corrections and updates to the credit bureaus. I have attached previous complaint, response and also the account history showing that payments are actually paid up through the month of XXXX so far
Consumer complaint received 2022-05-27
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: Nelnet, Inc. (GA)

Nelnet received a CFPB Complaint XXXX with no resolution More facts have emerged My social security number ends in XXXX I searched for an account with my social security number on Nelnet website and no account exist I have a installment loans from Nelnet on my credit report with a balance of {$0.00} I would like removed off my credit report with XXXX My social is XXXX XXXX XXXX My legal name is XXXX XXXX The Nelnet account # XXXX opened in my name does not match my social and is illegally used to impersonate me. With account number I filed a police report to support my documents
Consumer complaint received 2022-02-12
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. (PA)

Hi, my name is XXXX XXXX XXXX. I am reaching out today to have the following negative items removed from my credit report. The Items I need removed are listed in the report attached. I have notified the companies that I did not make the charge. I ask that these items are deleted from my report in order to correct my credit file. These fraudulent charges are showing negative results on my credit report. I reported the theft of my identity to the federal trade commission and I also attached copies of the federal trade commissions identity theft affidavit. please remove these items as soon as possible.
Consumer complaint received 2022-05-26
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. (OH)

Equifax Information Services LLC and XXXX allowed inquiries to be placed on my report without my consent. After 3 disputes challenging the inquiries, the company stated that the inquiries were valid, but DID NOT provide an original document/application with my signature. The company is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of their investigations, they stated in writing that the items were verified and are being reported correctly? The company did not state who verified the accounts. Equifax and XXXX DID NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it which is required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Additionally both companies have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

There are numerous inquiries on my credit report that I do recognize or authorize. I am a victim of identity theft through the military PII leak. Furthermore, unscrupulous characters recently stole my information to tried claim unemployment benefits under my name. I learned how to freeze my reports and since have frozen them. 

The following are the unauthorized inquiries that have hit my credit report. 

XX/XX/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
Consumer complaint received 2022-02-12
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-05-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

I have disputed a charge of {$1400.00} with Citibank for merchant XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  ) using Citibanks XXXX XXXX. Informed bank that I did not entirely receive what I ordered and merchant has blocked my number/avoids contact. 



There have been 3 reviews, and Im not sure what was done differently in any case, but after providing information once, it appears they just took the merchants side without further asking question ( at least to me ). 



Case opener XX/XX/XXXX. Transaction occurred XX/XX/XXXX. 



I have other disputes on my credit with Citibank involving this same merchant. I dont understand why some charges have been reversed while others not, for the same matter. 



When I inquire multiple individuals from Citi customer service and dispute center on XX/XX/XXXX asking why some disputes were reversed and some declined, my calls ended dropped. There is no way in returning to the point where we last left off without explaining it all over with someone new. I truly feel the matter is being ignored and not addressed appropriately. This is the case every time I follow up, but I never get a call back. 

I am unsure whether to report this as checking or credit account since it involves both for the same merchant and financial institution, but for different transactions/matters.
Consumer complaint received 2019-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE (CA)

In XXXX - XXXX of XXXX  Barclays US did not send me my bill or statement. While I was left in the dark I missed 2 monthly payments and was 60 days late. This was not my fault as the company did nothing to contact me about a payment being due or even after I was late. 

I contacted Barclays US about this issue and they would not admit fault and would not take the late payment mark off my record.
Consumer complaint received 2022-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BROKER SOLUTIONS, INC. (NV)

For the dates of XXXX of XXXX, XX/XX/XXXX and XX/XX/XXXX, by court of law it was stated that I was not responsible for house mortgage payments that are reflecting on my credit score. The monthly missed payments were XXXX grand total of XXXX. Upon stating this to the credit company they stated that they cant do anything for me but to report it.
Consumer complaint received 2022-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (OK)

I have a loan through Exeter Finance with a late payment. 

The dates entered and type of delequency constantly changes multiple times from 30 days late, to 60 days late, to two 30 day late payments, to two 60 day late payments, from XXXX to XXXX, and info shared to the 3 bureaus do not match up. I have tried to remedy this problem and they always update it to a different delequency or change the dates. If their reporting info is correct and verified, no updates should be needed. 

This problem sends my score up and down constantly every month depending on what they decide to do. XXXX, XXXX, and XXXX are showing different data and I have never been furnished with proof of the delequency. I have kindly asked for a deletion with the data furnisher and the credit bureaus to stop this problem. At this point, I am frustrated, tired, and can't secure a mortgage with my credit report constantly changing.
Consumer complaint received 2022-02-12
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. (MD)

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE METRO2 426-CHARACTER P6 STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.
Consumer complaint received 2022-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

I mailed and or faxed off the attached documents OVER 14 days ago..YOU GUYS BY MISTAKE have claimed me starting it's the Social security office fault ( I went in and called that's false and they have no knowledge ) as DECEASED due to this and or prior I had unasked for : Holds, freezes, alerts, blocks etc set on my account. I am alive you can call XXXX to verify THEY CAN NOT GIVE ME DOCUMENTS TO BACK THIS BESIDES my non voided ID I sent to you and my Social card. If you still need more info or are confused about the issue YOUR COMPANY CAUSED contact MY lawyer whom has contacted you with no avail as late as XX/XX/2022 XXXX asap. I can not apply for anything and I'm in the process of purchasing a car and HOME, per every violation of anyone not being able to pull my ENTIRE credit report you will have to pay me so I was advised. I would prefer to settle this quickly and avoid court.
Consumer complaint received 2022-02-12
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: I.C. System, Inc. (CA)

I was going through my credit report and I saw a debt collection of {$260.00} on my report. The company that opened this collection is I C System and theyre a collection agency for XXXX XXXX XXXX XXXX XXXX This is fraud because I have never opened an account with XXXX before. The account was opened XX/XX/2018 and it states that the account is currently open. I dont recognize this account so I want it closed and removed from my credit report and reported as fraud. I tried to dispute this with I C System and they said to report the fraud and open a claim with consumer finance. Once this claim is opened they said theyd look into removing the collection. I am providing a picture of collection information from my credit report.
Consumer complaint received 2022-05-26
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SL Finance LLC (WI)

I was contacted after my husband died in XX/XX/XXXX about student loan forgiveness for a student loan that I never took out. They said they could get it forgiven for a low charge. I went ahead with it but it never was taken off my report nor was it deleted from XXXX then XXXX XXXX. I later called XXXX XXXX and found out that it was after XXXX {$0.00} payments and I was at the time only two payments in. I was called again yesterday about it again and He claimed he was a XXXX XXXX XXXX named XXXX XXXX ( XXXX ) XXXX ext XXXX. He told me for XXXX payments of XXXX he would take it off my report. I thought it was a prelude to what I had done after my husband died for the student loan forgiveness. XXXX I woke up and found my account charged for {$190.00}. I was very upset. I called and got put on hold and then hung up. I made several email and not a response back. I got an email back this morning. I responded then nothing back again. I called the number on my card and disputed the charge and canceled my card and asked for a new one. I had sent him the contract from when my husband died. He still didn't respond. This is very frustrating to me. This cause to the stress in our daily life starting in XXXX from our move to XXXX when we were first contacted by mail and then very agressively and viciously attacked and slandered that I had a student loan and I didn't and now my husband is dead and this was a contributing factor. Now I am a mourning spouse and will never be able to replace my husband the father of my XXXX XXXX XXXX XXXX This is pure cruelty. The account is down to {$7100.00} but before XXXX died I received a letter from XXXX that stated that they had wrongfully accused me and that they wanted to give back all the money I had paid them. I told my husband a little to late for all that they had put us through since XXXX with all the name calling and threats. I am very upset. I love my husband alot. Me and My son loved spending time with him and doing things together. Now we will never see him again or be with him. I hate it.
Consumer complaint received 2022-02-12
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. (NC)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than XXXX days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am
Consumer complaint received 2019-08-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC (CA)

I got the loan from the finance company to purchase my new vechile on XX/XX/2019, well on XX/XX/2019, My vechile was impounded for 30 days for driving without a driver 's license.So 2 weeks into the impoundednent I called the finance company and asked them if they could put the impounded fees on the back of my contact, so that I can be prepared and get my finances in order for my bills for the month.well the finance company said that they wouldputthe impounded fees at the end of my contract, so I made used the money for other plans I had.on the day of the pick up day for the car, the finance company said that I had to come up with all the impounded fees which is XXXX, I told them there's no way I have that type of money, that's why I called you 2 weeks ago and ask you if you could put the impound fees on the back of my contact, so I can gather up the money and you said yes.and now they said that I can't receive the car in till I pay the fee of impound.i have not been irresponsible I have never been late on my payments.im upset cause they told me yes then on the day to pick up my car they said no they want the payment of the impound fee.
Consumer complaint received 2022-02-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (OK)

Over the course of my mortgage, it has been transferred several times to predatory mortgage service companies. The latest include a transfer from XXXX to XXXX XXXX. After a Covid-19 related job loss, XXXX XXXX offered a forebearance through the pandemic, then offered a mortgage modification consisting of a XXXXmonth " trial '' payments of {$710.00} each. Upon the payment of the first trial payment, the loan was transferred to Fay Servicing. It took several weeks before I could speak to them about the mortgage as their website seemed to be recently created. After contact was established, the remaining XXXX " trial '' payments were made days before they became due. In XX/XX/XXXX, after all required payments were expected to have been applied, they sent documents saying I had broken the modification agreement. In XX/XX/XXXX, the foreclosure documents began flooding in, several within the same day. At each time I contacted Fay, they said, " nothing to worry about, it will be resolved '' and " escalated '' to their managers. Upon being promised several times that I would get a callback from said managers, weeks pass. Each time I call, I waste an hour on hold, getting transferred, or hung up on. I want a forensic audit of the account from its inception and each lender to ensure payments have been properly applied. I am told that I am still being charged PMI but was supposed to " automatically '' drop off after XXXX  years. I also want to file formal complaints against XXXX, XXXX XXXX, and Fay Servicing.
Consumer complaint received 2022-02-11
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. (MI)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2019-08-01
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. (OH)

I've reached out to Equifax regarding this account. I've contacted FTC. I've contacted XXXX XXXX. This account is entirely inaccurate and shouldnt be listed on my credit report. I have no obligation to this account. Furthermore, Equifax never notifies of the results or provides investigation procedures when requested. Im highly disappointed in this situation and the system that allows for this. Equifax is the only company that does not thoroughly investigate into the account and continues to report inaccurate data monthly.
Consumer complaint received 2022-05-26
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Torriere Holdings INC (SC)

I received emails and phine calls from spire recovery solutions. I told th on the phone and via email to send me via certified mail any a d all documents pertaining to the supposed debt and to cease and desist all collections and reporting until such time as the debt has veen validated. On XX/XX/XXXX i received confirmation from them via email that they would get those documents mailed out to me. Then on the XXXX they called again to attempt collection and once again today XX/XX/XXXX.