davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-26
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, the following accounts below have violated my Federally protected consumer rights to privacy and confidentiality pursuant to 15 USC 1681. Section 602 A which states that I have a right to privacy. Also they have violated my rights under The Financial Privacy Act of 1978. 
Names Reported 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 Equifax, and XXXX have violated my rights, and restraint of trade in violation of 15 USC 1, and 15 USC 2.

Additionally, it clearly states under 15 USC 1681 section 604 A section 2 that a consumer reporting agency can not furnish a account without my written consent.

15 U.S. Code 1681c ( a ) ( 1 ) Section states ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act.

15 U.S. Code 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report contain 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. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information.

( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any 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 2021-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

FCRA Violations; Not mine; Names, Addresses, and Accounts:

I XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX
XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX

Account name
XXXX
Account number
XXXX
Account type
Unsecured
Responsibility
Individual
Date opened XXXX

Account name XXXX XXXX
Account number
XXXX
Account type
Cell Phone
Responsibility
Individual
Date opened
XXXX



FCRA Violations; Never Late:

Account name
XXXX XXXX
Account number
XXXX
Account type
Credit card
Responsibility
Individual
Date opened
XXXX
Consumer complaint received 2021-02-19
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)

On or before XX/XX/2020 I was pressured by a car salesman to have my credit ran after taking in an preapproval through an auto company. He state that they would be soft pulls and would not affect my credit however the inquiries still show.
Consumer complaint received 2022-04-15
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)

Equifax and XXXX have reported incorrect information on my credit report for account XXXX XXXX. it is affecting my credit to the point I can not get a job or purchase a home Account details about worst payment status of XXXX days late is inaccurate on my XXXX report XXXX Equifax report is reflecting the same thing which is derogatory and affecting my credit as well. I have mailed in custody papers showing I have custody of my child. I have requested validation of the account. I have requested a copy with my signature on it showing where there is a signed agreement between me and this company. I have requested documentation that I gave permission for this account to be reported to the credit bureaus. 

I have also disputed inquiries on both reports ( XXXX and Equifax ) that I do not even have active accounts for that were done fraudently in my name and Equifax and XXXX refused to remove them from my credit reports They have refused every single request and have not provided me with anything I have put in writing sent to them certified along with my identifications to verify I am who I say I am as well. 

Due to them violating my rights, I have ben refused jobs and now I am being refused purchasing of a home because of this. I am attaching my current XXXX report because it is not on my report and the other two credit reports should reflect the same as XXXX.
Consumer complaint received 2022-10-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (IL)

On the last call, XX/XX/2022 they provided me with different information and different eta. 
They need more staffing to handle the influx of requests. 

Servicer : Ed Financial Date Request Made : XX/XX/2022 Date Balance Restored with Servicer : Not yet
Consumer complaint received 2022-03-01
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. (NY)

I, XXXX XXXX XXXX XXXX XXXX am a victim of identity theft. 

XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX  XXXX have egregiously fraudulent accounts on my credit profile that need to be removed, immediately.
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (NV)

I have contacted Exeter Finance LLC, over the phone four times, over last several months and once via certified letter, asking for a complete copy of my original loan agreement. The loan was paid as agreed and paid off prior to them transferring the loan. 
Exeter has not responded?
Consumer complaint received 2021-01-16
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. (NJ)

I have submitted several disputes via certified mail and online, asking for documentation of what this ( XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) ) debt is, dates and how the balance was calculated. I have received nothing. There is no information.
Consumer complaint received 2021-09-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (NC)

XX/XX/2020, I received a notice about enrollment in a Chase Mortgage Covid relief program. However, I was unable to enroll in the program because Chase Mortgage immediately transferred my mortgage to XXXX XXXX XXXX. XXXX XXXX XXXX did not honor Chase Mortgage 's Covid relief program. In addition, XXXX XXXX sent a notice demanding final payment.
Consumer complaint received 2021-01-16
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX 2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I pulled my report and I noticed an address I never seen before this address below is not mines XXXX XXXX XXXX Fl XXXX Also I noticed an Employer I never heard or work for before I stated the employer below XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (LA)

U S Dept of ED - Acct # XXXX U S Dept of ED - Acct # XXXX Both U S Dept of Ed are reporting the following : Open Date XX/XX/XXXX | Report Date XX/XX/XXXX | Reporting Student Loans in Collection. 
Accounts are paid, XXXX balance, and XXXX past due. Accounts are not in Collection Status. 

Originator Creditor XXXX Acct # XXXX - Limit/HC {$2600.00} Account Transferred - Open Date XX/XX/XXXX. Loans Closed XX/XX/XXXX. XXXX XXXX, XXXX XXXX due. Report Date XX/XX/XXXX. 

.
Consumer complaint received 2021-01-16
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. (NJ)

I reached out to XXXX  and XXXX  several times via certified mail, with proof, that the XXXX XXXX account on my credit report was reporting inaccurate information XXXX last payment, past due balance, late payment time ). Nothing was done and they kept claiming the information was accurate. 

Date of last reported is later on Equifax than XXXX. Yet, the past due is lower, " date of last payment '' is wrong, Additionally, the State of New Jersey asked these type of lenders to waive late fees, defer and skip payments, as well as delaying delinquency notices. XXXX XXXX refused.
Consumer complaint received 2021-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (FL)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2022-10-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

filing this compliant to express our dissatisfaction with the treatment we received from WellsFrago My Husband & I received more than 6 loan estimates within two weeks, every time your team decreased the loan amount and increased the down payment even though we locked the rate! We already provided all the information needed to them. We waited for the underwriter forever and a commitment letter which was supposed to be sent on Friday XX/XX/XXXX, However, we didn't receive it due to technical issue as we been informed!, only to know just today that we have to come with MORE down payment of almost XXXX XXXX  I want to share with you some of the consequences and the damage that happens because they are not doing their job in professional manner by providing misleading information : -we gave 2 weeks notice to our property management because the closing date for the Escrow was XX/XX/XXXX -we have to deal with stress and XXXX I almost having XXXX XXXX because that -we sold my Jewelry for some cash -almost sold XXXX of our cars that affect our work performance
Consumer complaint received 2022-10-26
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. (NJ)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (PA)

I purchased a flight through CHase Travel last year, canceled it in XXXX. I have still not been issued a refund and have been sending emails for several months.
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc. (TX)

Had a previous account with Conns. Fell behind on monthly payments in XXXX. Was then offered a Settlement Offer of {$430.00} to pay it off and it would close the account. I made two payments each month until XXXX. I assumed my account was good and closed, but never received a deletion letter as promised. I called Conns Customer Service and found out one payment in the payment plan did not process for some reason so it opened up a new settlement all over. I talked to a supervisor and got one last payment approved and if paid, it would be paid, in good standing and closed. I made that last payment in XXXX XXXX. I waited XXXX days to get a deletion letter and checked my credit regularly. When I had gotten nothing, i then called again and talked to a supervisor who stated the previous representative that took that payment input a number incorrectly, meaning the payment was never made and it " automatically canceled out my settlement offer ''. I argued how that wasn't right and talked to another supervisor who approved the last remaining payment be accepted then and there over the phone. It processed as debit and was reassured " that my account was FINALLY paid off and closed and it should take XXXX days to update and report on my credit. '' TO THIS DAY, it still shows as account open, charged off with a balance which is inaccurate. I have the bank statements showing the payments made as promised. 
I have disputed it several times through XXXX, XXXX and XXXX to which Conns FALSELY verified the information as accurate.
Consumer complaint received 2022-10-26
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. (GA)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



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 {$12000.00} ; US DEPT ED XXXX Balance : {$5000.00} ; US DEPT ED XXXX Balance : {$6200.00} 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 2021-09-07
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (DE)

I sent a written Dispute to Synchrony Bank XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX by Certified mail on XX/XX/2021 regarding my Lowes Credit Card. 
I have not received a response after 60 days as agreed in my credit card contract.
Consumer complaint received 2019-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (CO)

I have taken notes of dates and names and everyone who I spoke to etc since XXXX trying to settle this credit card account with Chase bank. In XXXX of XXXX I agreed upon a settlement amount of XXXX and paid XXXX XX/XX/XXXX. I called to get the new balance on XX/XX/XXXX and was told the remaining balance due was XXXX}. This prompted chase bank to agree to a in flight settlement of XXXX due by XX/XX/XXXX. I then made a XXXX payment on XX/XX/XXXX and the new balance due was XXXX which was then paid in full XX/XX/XXXX. I have called several times since then begging for a paid in full letter and been told by several people it was accepted as payment in full and never got a paid in full letter. Today on XX/XX/XXXX I received a letter saying the settlement was cancelled due to missed or late payments and they will send to a debt collection agency. I am beyond angry and frustrated this continues to report on my credit as unpaid when I am more than happy to provide all receipts documenting everything was paid in full months ago. I want a paid in full letter and this closed once and for all. This is unfair treatment and causing so much more stress and unhappiness then it should. I even have a car loan with chase and pay them thousands each year it should not be that hard to process and in flight settlement and close it and give me a paid in full letter as promised on several recorded calls!!
Consumer complaint received 2021-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Total Card, Inc. (CA)

Greetings, I lost my job in XXXX due to COVID19, I immediately filed for unemployment, I didnt hear anything from Unemployment of California for a long time and assumed it was because the overwhelming amount filed all at once. After weeks of nothing I finally received a request to verify my identity, and mailed back requested documents the same day. I finally received my full backpay bringing me to current benefits due to me at the end of XXXX! I made all payments up on time never late until I lost my job when the pandemic hit the world. This one infracture was due to something completely out of my control, and there was no state or government support to aid me with drowning financially unable to meet my normal responsibilities rent, food, credit cards, utilities, student loans etc. All of which have worked with me to update and defer payments during this unprecedented pandemic. That being said I was disheartened when I called Total and asked for them to remove the late from all 3 credit bureaus and they declined knowing the reason and not considering I have a flawless payment history prior. I feel this is severe and not my fault. I have resumed my excellent payment since after receiving my unemployment benefits. I just wish they would be compassionate during this one late payment
Consumer complaint received 2021-02-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OR)

In total, {$26000.00} has been paid towards the total original principal private loan balance of {$43000.00}. That should leave {$16000.00} remaining on the principal balance. 

However, instead of the original balance decreasing by the {$26000.00} that has been paid towards it, Navient instead is reporting a balance of almost $ XXXX more than the original balance. More than half of the original total loan amount has been repaid, yet Navient is requesting an additional {$36000.00}. How can interest be an additional 84 % of the original balance despite payments being made? 

In other words, 61 % of the loan balance has already been paid yet, instead of showing 39 % due, Navient is currently requesting 122 % of the balance. 

Where only {$16000.00} total should be owed with regard to all private loans, Navient is stating that {$53000.00} is owed. 

How can more than the original balance be owed, when over $ XXXX has been paid towards it? This is unconscionable and usurious. 

Also, XXXX XXXX, Office of the Customer Advocate who has represented Navient in my on-going complaint, has refused to respond to requests for information and clarification. Fundamental questions regarding the status of the loans and loan agreement were submitted via email on XX/XX/2020 to Navient and Ms. XXXX ( Navient  ) refused to respond. I followed up almost two months, and she still did not respond. It has now been almost 7 months. 

Navient asserts that a co-signer can make changes to loan terms, but requires the permission of the primary borrower to do so however, they have continued to make numerous changes to the loan terms without the permission of the primary borrower.
Consumer complaint received 2021-01-16
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: WELLS FARGO & COMPANY (NC)

In XX/XX/XXXX I decide to check my Wells Fargo account to make sure I was not charged for text book rentals that I forgot to turn in because I am a college student, and when I checked my bank account I seen various ATM withdrawals totaling up to nine transactions that I did not authorize nor did I take out myself and when I check my wallet my card is no where to be found in the wallet. Somebody stole my card and made various atm withdrawals totaling up to {$940.00} which includes the overdraft fees and Wells Fargo is telling me my claim is denied as of XX/XX/XXXX. I have no money, and nor do i benefit from making ATM withdrawals when there was little to no money in that account so I dont understand why my claim was denied when the card was not in my possession and the last time i used the card was on XX/XX/XXXX.
Consumer complaint received 2022-10-26
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (NV)

I lived in an apartment community, my lease expired and I moved out with proper notice. I received final notification from apartment community that stated I was leaving with no balance and proper notification. Company placed a bill with collections, and I have contacted to get this resolved. Apartment management stated they do not show a balance for me and can not assist if there is no account with money owing.