davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-28
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. (TX)

I previously had a mortgage with this company that was paid in full and closed in XX/XX/XXXX. They are reporting that the loan is late in at least 8 months in XXXX. 8 months is as much as I can see on the report provided by equifax ( attached ). I disputed this with the credit bureaus and this company has reported validated these marks as being accurate. This has significantly affected my credit score. Id like this corrected or the account removed from my credit reports completely.
Consumer complaint received 2022-01-28
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. (CA)

Open loan XX/XX/XXXX amount {$20000.00} 36 months / {$640.00} / month period XX/XX/XXXX to XX/XX/XXXX paid {$640.00} transaction amount on the term of contract no delinquency no late fee. 
period XX/XX/XXXX paid and full the loan {$12000.00} ( overpaid {$64000.00} ) account current payment satisfactory, no delinquency no late fee no past due. 
paid the loan on 17 months current on 36 month therm. loan current every month. 
period XX/XX/XXXX to XX/XX/XXXX current. 
the CoXXXX XXXX XXXX XXXX report my delinquency late payment charge off on XXXX, XXXX and XX/XX/XXXX to 3 credit agency credit report. XXXX, Equifax and XXXX. The Co. promise of correction nothing came. 
I lost 90 point for false report from XXXX XXXX XXXX

I contact the Co. on the phone promise of correction to fix the problem. Nothing came. 
I contacted from dispute the 3 credit agencies with additional proven documents. my problem if not fixed date XX/XX/XXXX. 
the CoXXXX XXXX XXXX XXXX return to me the overpayment {$640.00} on XX/XX/XXXX. is never correct the problem of late payment on the 3 Agency. 
I am current loan pay satisfactory and no charge off delinquency late payment
Consumer complaint received 2022-01-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Conduent Incorporated (OK)

Ever since XXXX of 2020 I have had numerous of unauthorized inquiries and adjustments made to my account. Ilegal ACH transfers, transactions, and overcharging from some merchants. I have tried to discuss this with the fraud department and with customer service. Unfortunately ; the investigation report was stolen from USPS postal system. And I have been disconnected almost every time I call customer service. If I get through to them they lock me out of my online banking database so that I can not view my files while receiving help from their company. Since 2020 I have lost up to XXXX from this scam. Just recently I had another {$1000.00} dollars take from my initial XXXX disbursement and several unthinkable transactions/ACH transfers withdrawn from my account. Im interested in seeking legal counsel if the financial state isn't resolved by their providers.
Consumer complaint received 2020-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX  XXXX  XXXX {$55.00} XXXX  XXXX XXXX {$1100.00} XXXX  XXXX   XXXX {$290.00} XXXX XXXX XXXX {$150.00} XXXX  XXXX  XXXX {$440.00}
Consumer complaint received 2022-11-13
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. (IL)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Number : XXXX Balance : {$2200.00} Account Number : XXXX Balance : {$4600.00} Account Number : XXXX Account Number : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2022-01-28
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: DISCOVER BANK (NY)

I am disputing the multiple late charges that appear on my credit report. Infractions were no fault of my own. These were all consequences as a result of the coronavirus. I made every attempt to pay my debts on time, but the odds were against me. I always kept my accounts in good standing. If you view my payment history, you will discover that I was never late. As a result of the pandemic, My company where I was employed down sized. And as a result of that, my hours changed from full time to part time. This went on for almost a year. I had exhausted all of my savings just to survive. I was behind in my rent constantly. Almost lost my apartment twice. Fortunately, my landlord understood and was very lenient with me. He was struggling also with other tenants. I gave him what little I could spare, but that's all I could do. This was the worse predicament I've ever been in. This virus was affecting millions. I'm sure some of you felt the effects of it. If you didn't, you were just one of the lucky ones. I did not know what my next move would be. I literally prayed which is something I did not do a lot of before. Fortunately, after a year, I got my regular working schedule back. Now I'm just trying to put the pieces back together.I know I have a long way to go.
Consumer complaint received 2020-01-08
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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2020-04-17
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: Experian Information Solutions Inc. (NJ)

I sent a dispute to remove inaccurate information and the credit bureau still has not removed this information nor have they sent any proof to verify that this information is accurate.
Consumer complaint received 2022-11-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: BlockFi Inc ()

I've initiated Transfer Requests from the Blockfi Wallet  ( " Checking account '', so to speak ) on the XXXX of XXXX at XXXX XXXX, for the amount of XXXX XXXX, XXXX XXXX XXXX, for the amount of XXXX XXXX  and at XXXX XXXX  XXXX XXXX. All of the above sums represent the present values on the account and the completion of the transfer would also mean a transfer fee for each transfer would apply. The Destination of the transfer is towards equivalent denomination in XXXX equivalent account and the Pending Transfer Request marked with the Date of delivery : XXXX of XXXX. 

These were initiated whilst the platform was still operating as normal, at the cusp of the XXXX scandal coming into play. 

It would take a few more days until there would be communication on the platform that operations are paused from Blockfi 's point of view. 

It appears all transfers are blocked, per the following 5. of terms of service, with : " 5. BlockFi and our third-party partners may experience cyber-attacks, extreme market conditions, or other operational or technical difficulties which could result in the immediate halt of transfers and withdrawals of cryptocurrency either temporarily or permanently. BlockFi is not and will not be responsible or liable for any loss or damage of any sort incurred by you as a result of such cyber-attacks, operational or technical difficulties or suspensions of transfers or withdrawals. '' This is extremely misleading. Also it appears that there is a looming XXXX  XXXX for this company ( potentially ). 

From the point of view of the withdrawal process, the funds are in Pending and seeking any support on Blockfi end results in a dead end. An example being the Support chat which for Withdrawals ends in a dead end for the withdrawal process by asking that there can be a validation email sent that can be confirmed. No such email has been requested, have also canceled and retried the transaction for the BAT, on the XXXX of XXXX, in the amount stipulated above, where at both the initial and re-attempt, no such email was sent to validate identity or security related aspects. 

Also, " BlockFi Phone Support is currently unavailable. '' plastered on the website. 

I would like to mention, if at all makes any difference, those wallets are in my name and that they should represent the equivalent of a checking account. I would strongly urge them not to be used to satisfy secured creditors if bankruptcy comes.
Consumer complaint received 2020-04-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Everest Receivable Services Inc. (MI)

I never once received anything in the mail or through email from this debt collector, nor had an account with this credit company because of their low limits. 

This company called me on Friday, XX/XX/XXXX and threatened legal action against me and never once sent an invoice or anything in the mail.
Consumer complaint received 2022-11-19
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. (IN)

I was involved in a fraud event where my personal information was exposed. I was also involved in a data breach at work. I have accounts reporting that are recently showing up that are not my accounts. I also have TONS of new inquiries that are not mine.
Consumer complaint received 2022-01-28
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. (TX)

Hello, I am writing to file a complaint against the Credit Bureaus for numerous FCRA violations on my credit report. First is for Chapter 13 Bankruptcy. For one, the information reporting is incorrect. The date file isn't consistent across the board and its showing the incorrect court name. If I am correct under FCRA everything reporting has to be 100 % accurate. I have sent over 6 rounds of letters and they have ignored my request which is a violation. Also, I reached out to the courthouse and they advised they DID NOT release my personal information out so they have lied about their method of verification. I am upset the credit Bureaus are falsely verifying and reporting this! Delete this from my credit report as once because I have the right to exercise rights as a consumer and challenge any negative item on my report,
Consumer complaint received 2022-01-28
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: AES/PHEAA (PA)

The company, Fed loan Servicing is reporting inaccurate and erroneous information for six accounts on my XXXX, XXXX, and XXXX credit reports. I am the consumer, the natural person according to federal law, and the only individual who validates an account as accurate. Fed loan Servicing did not have a permissible purpose under 15 USC 1681b ( 2 ), no written/ oral consent to report these alleged items to the credit reporting agencies. Additionally, it is a federal law to provide accuracy of any information item contained on a consumer report. The information is reporting inaccurate date opened ; balance ; last reported ; date last active ; missing payment history which is all a direct violation of state and federal law as well as an infringement of privacy.
Consumer complaint received 2023-03-28
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. (TN)

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

XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-01-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I got a call from ( a XXXX Area code number ) my electricity company ( XXXX XXXX XXXX ) the recoding stated that it was them and to talk to a representative press # 1. I pressed # 1 and they told me that my account was past due and I needed to pay ASAP before someone gets to my address ( which they said ) and cuts my electricity off they said someone was already on there way and I needed to send the money Now so me thinking about my family 4 kids and 2 under 2yrs I sent the money right away. Once I sent it and hung up the phone I called by electricity company scared that they were going to cut off my power and the representative proceeded to tell me that it wasnt them. I got on the phone with my bank made 3 different claims with Wells Fargo and at first when I called I told them everything so it had turned out when I called on XX/XX/XXXX they had to re do the claim because it was done wrong so XXXX helped and re did my claim. So I called back on XX/XX/XXXX and the representative from Wells Fargo tells me that they denied my claim and I have to deal with it in small claims I asked the representative to transfer me to a supervisor then she filed an investigation and told me someone would call me back and talk to me and no one ever did so I called today and I was on the phone for more than three hours being bounced back and forth to different departments and somebody that I talk to in the claims department told me I was wasting my time and that I wasnt gon na get anything so I asked her if I can talk to a supervisor and the supervisor told me that theres nothing that Wellsfargo can do even though I was scammed and forced to send this money. I do have all my claim and police report number and report number with XXXX  its self.
Consumer complaint received 2019-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. Auto Sales Inc. (GA)

XXXX XXXX XXXX is a company that I financed two vehicles with. The first loan was completed and paid of successfully. The second loan I had to give the car back which they have sold and refuse to give me the balance that remains on the vehicle which is reporting negatively on my credit report. I have disputed this information with all 3 bureaus and each time XXXX XXXX XXXX reports they are reporting correct information. The amount that reflects on my report is {$9800.00} which is the remaining balance of the original loan. They will not update me on what the remaining balance owed is since the sale of the car.
Consumer complaint received 2020-04-17
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 sent a dispute to remove inaccurate information and the credit bureau still has not removed this information nor have they sent any proof to verify that this information is accurate.
Consumer complaint received 2015-08-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (RI)

We hold a mortgage with Ocwen since XX/XX/XXXX. Our insurance payment is part of our escrow and was due on XX/XX/XXXX. The payment was not made to our Homeowners Insurance company by the due date. I have received a notice from my Insurance company informing me of the missed payment. While on hold to speak to someone at Ocwen for over XXXX minutes, I set up an online account and looked at the history. On the website for Ocwen, it shows a payment made to the insurance company but they did not pay them even though it shows paid through XX/XX/XXXX. Once I finally got an agent on the phone, she could see our escrow account, see that my insurance company was set up and correct, and that the payment just was n't made. The insurance agent at Ocwen tells me that the way my loan was set up it was set up to pay the escrow for taxes only and not insurance - even though they had all the insurance information! This is unacceptable for a mortgage company who handles escrow accounts.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: V and H Portfolio (TX)

I have a loan showing open XX/XX/XXXX with the XXXX XXXX, which I did not open any loans with anyone in XXXX. When I contacted the XXXX XXXX on XX/XX/XXXX XXXX there said they had no loans for me only a denial in XXXX and told me to contact their corporate. The corporate office said they did not see a loan for me and said to contact the collection agency listed on my report. When I contacted Vance and Huffman they said they did not have a file for me and to contact XXXX XXXX. I spoke with XXXX XXXX and told them what was going on and they said they would put in a dispute. Then on XX/XX/XXXX I received an email from XXXX XXXX XXXX, Esquire General Counsel For XXXX XXXX XXXX stating We had previously sent you communication wherein you had the opportunity to dispute the above referenced debt. As thirty ( 30 ) days has lapsed, the above reference debt is deemed valid. I have never received anything from this company or any other company regarding this debt of any type. So I then send this company and email stating I wanted validation of the debt and all information regarding this debt as it is not correct. I did not receive an email or any contact back from them so I called on XX/XX/XXXX and asked about the email and they said that was just their response for the XX/XX/XXXX dispute and that it is still under dispute. I have not heard anything else from any of those 4 companies or received any type of validation or information I requested from them. On XX/XX/XXXX XXXX claimed my dispute came back validated as my debt but would not clarify what information they received as proof that is was mine or provide me with any other validation or proof to me. If something is showing up on my report I have the right to know exactly what it is and to have legitimate proof of the information. Again I did not open any loans in XXXX with this company of any kind.
Consumer complaint received 2022-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NY)

On XX/XX/22, I received an Email offer from Citi which states " Earn {$20.00} back on your Citi Card with XXXX. '' I did have 3 purchases using XXXX and each of the transactions is {$470.00} on XX/XX/22. However, until now I still have not seen this {$20.00} credit yet. I tried to call the customer service line but it seems they even do not know the offer and they decline to honor the offer.
Consumer complaint received 2022-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (FL)

NelNet has failed to remove late payments and/or charge off information on old student loan of mine. All of my loans were discharged under the Total and Permanent Disability Discharge program and as such all of my student loan information should be removed from my credit reports. Thank you for your consideration in this matter.
Consumer complaint received 2022-01-27
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. (VA)

I, XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave XXXX written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you guys have no permissible purpose without my consent pursuant to 15 USC 1681 :
Consumer complaint received 2022-10-02
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: Experian Information Solutions Inc. (AZ)

Twice someone tried to get auto credit through XXXX XXXX XXXXXXXX. XX/XX/XXXX and XX/XX/XXXX. I called XXXX XXXX XXXXXXXX and they said they showed no record of an account and could not see inquiries. I then called Experian and they said that I had to call the bank and have them remove it. I now have 2 fraudulent attempts by someone to get credit through XXXX XXXX XXXX and I also have two hard inquiries on my report that is affecting my score. 
I would like the inquiries taken off of my report and I would like XXXX XXXXXXXX XXXX to screen applicants better to help prevent fraud.