davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-15
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. (CA)

In accordance with the Fair Credit Reporting act XXXX, Account XXXX XXXX XXXX XXXX XXXX  and Account XXXX XXXX Co has violated my rights, 15 U.S.C 1681 SECTION 602 A. States I have the right to privacy.

15 U.S.C 1681 SECTION 604 A Section 2 : It also states a consumer reporting agency can not furnish account with my written instructions.

15 U.S.C 1681e ( b ) and 15 U.S. Code1681i ( 5 ) This account in violation is not reporting 100 % accurate it lists the child support court as the furnisher that is forgery and misleading when the courts do not report this type of account.
Consumer complaint received 2022-08-15
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. (MO)

This is XXXX XXXX and I am submitting this CFPB compalint to you today to order the Credit Bureaus to update and correct the dispute accounts and information that are erroneously reporting on my Credit report! I have been sending multiple letters requesting that the Credit Bureaus reinvestigate the disputed accounts from my credit report as well as place temporarily remove or update these items from my report during the investigation period. As of this date, you have failed to respond to my request. Again, please reinvestigate if the following items are inaccurate, incomplete and outdated. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX XXXX XXXX MO XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX Balance Owed : {$0.00}
Consumer complaint received 2016-12-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

Equifax has not validated accurately that the account of XXXX is my account. I have reported it as a fraudulent account to the Police and police report has been provided to the credit agency of Equifax. Equifax has not validate information from XXXX to the information that they have on file. Providing name, birth-date, and social security is not sufficient evidence to validate the account is mine. This is why it was reported as fraudulent has someone used that information to open this account. Please have this removed from my credit report of Equifax.
Consumer complaint received 2022-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (VA)

I had a Brooks Brothers XXXX account. [ Brooks Brothers/CBNA, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX ] They have refused to close my account, despite multiple, repeated requests. 

On XX/XX/2022, they sent me an email asking for feedback about my recent online experience with them -- even though I had not recently accessed the account in any way. I called the company to inquire whether my account was compromised in any way, but they were very dismissive and suggested there was no need to be concerned. I requested to cancel my account, because I had doubts about their cyber security policies and capabilities. The representative on the phone told me she would cancel my account. 

A few days later ( XX/XX/XXXX ), I got a second email asking for feedback. I also got a separate email saying " Your replacement card is on its way '' or words to that effect, even though I had never requested a replacement card -- rather I had requested to close the account. 

I called their cardholder service number again, and again was told that they would close the account. 

A week or so later, they sent me a new card. Again, to reiterate, I never requested a replacement card -- rather I had twice requested to close the account. 

Today, ( XX/XX/2022 ), they sent me a marketing email saying I have {$8000.00} of available credit. 

I shredded the new card they sent me, but they should be able to look up my account from my email address -- XXXX. 

The result is, I have an open line of credit against my wishes, despite repeated requests to close the account.
Consumer complaint received 2022-06-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (CA)

my insurance agent called me they did not pay my insurance bill many times. How many times my insurance agent called me that how many times I called them. I got different answer from their call center in every time. total times should be 4 times for now. first time. their agent told me they did not receive the invoice. 2nd, they told me received invoice will send out the check.3rd, agent told me did not receive the invoice when I just called in. and 1mins later. she told me you got the invoice and will send out the check same day. 4th, one agent told me did not received invoice in very rude attitude. my insurance is under canceling now because nonpayment. I m so worry about that If there is anything happen, I do not have insurance to cover me. please help me!
Consumer complaint received 2022-06-15
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: CITIBANK, N.A. (VA)

Citicards CBNA refuse to remove an account that was fraudulently added by my previous supervisor. I have disputed the account 3 times within the past 8 months, and they will not talk to anyone who doesn't have the account in their name. This is fraudulent and since they will not communicate with me as I'm considered an authorizer user, I'm out of options.
Consumer complaint received 2022-09-30
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

My mortgage company ( PennyMac ) is overcharging us interest since we make extra principal payments. They started only applying our payments on paper, but the interest stopped going down until the following month after a I made the payment. On XX/XX/2022, my balance was {$470000.00}. We should have been charged {$880.00} on XX/XX/2022, but they charged us {$880.00}. Our interest rate is 2.25 %, and our note says our bill is due on the XXXX. Our balance on the XX/XX/2022 was {$470000.00}. Their math on my statements is no longer adding up since for the last 3 months. They said I make extra payments they are splitting my interest now. They are charging me monthly, and holding my extra principal for a month unless I pay it on the XXXX of the month and lose my 16 day grace period. This is their new policy that started 3 months ago if you make extra principal payments.
Consumer complaint received 2022-11-02
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. (IL)

I sent my letter off on XX/XX/2022 I told the credit bureaus to Investigate every piece of information on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking # XXXX ( Equifax ) Tracking # XXXX ( XXXX ) Tracking # XXXX ( XXXX ) According to the FRCA the term Investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit report obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. I would like to know who did they talk to and how did they complete this investigation? Also, every piece of information on these accounts are still NOT reporting 100 % ACCURATE. And according to the FRCA 15 USC 1681 everything has to be 100 % ACCURATE. I have the credit report showing the inaccuracies. 

Accounts XXXX XXXX XXXX  Account # XXXXXXXX XXXX  XXXX bankruptcy XXXX Reference number # XXXX US DEPT. OF EDUCATIONXXXX Account # XXXX
Consumer complaint received 2022-09-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (FL)

United Wholesale Mortgage is overcharging my escrow account and is refusing to refund the overcharges. 
They have overcharged my account for the month of XX/XX/2021 by {$110.00} and this is just another abusive practice. 
My monthly PMI is {$110.00}. My yearly PMI is {$1300.00}. The year has 12 months. According to United Wholesale Mortgage, the year has 13 months. PMI is applied twice for XX/XX/2021. 
Please see enclosed evidence. ( they charged {$1400.00} for XXXX PMI instead of {$1300.00} ) I am being constantly abused and lied by this company. 
I live in fear having them to administer my Escrow Account. Every letter/notice from them contains errors as answers to requests to correct errors or Errors to justify unjust enrichment. 
Refund immediately please and STOP the constant abuse! 
The " errors '' you constantly make are used as weapons to create emotionally distress/abuse. 
Please STOP the abuse and the obstructive practices.
Consumer complaint received 2022-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

On XX/XX/31, I attempted to login to my Citi account that I have used for years and received an error message. I also received an error message when trying to login on my phone. I contacted Citi support and followed their troubleshooting steps but was still not able to access my account. 

A quick search online reveals a significant number of other people have had this issue due to Citi having poor IT infrastructure. I am still not able to login to my account or pay my credit card bill.
Consumer complaint received 2022-06-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Aldridge PIte Haan, LLP (GA)

I have delt with Aldridge piite and Haan law firm before. They took me to court and filed a law suit on me without my knowledge of the debt. I am on XXXX and XXXX and have filed several complaints against this company before on this issue they continue to file law suits without knowledge or without even making contact attempts first. They automatically get the suit in their favor and hardly give time to respond to said law suit.
Consumer complaint received 2022-06-15
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)

I have notified XXXX, Equifax and XXXX about an account that is deemed ( fraudulent, inaccurate and or unverified ). The account ( XXXX XXXX ) was initially removed from all three bureaus however XXXX and Equifax have reposted the account to my reports. I have submitted all of the necessary documents to have the account removed. XXXX and Equifax are continuing to report an account that is not legally verified.
Consumer complaint received 2022-06-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

Hello I am having a problem that shouldn't be occurring. 

I lost my password to my online banking. 
I wanted to reset it seems simple. Will my bank at Wells Fargo requires I have a cell phone to do business with them. 

It means I need to receive a code on a cell to verify identity no other way. 

So I told them so I have to have the expense of a cell phone and pay for the text just to do business with you.
Consumer complaint received 2022-06-15
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. (CA)

I acquired a copy of my report in XXXX dated XXXX and I found out that Equifax still indicates my dispute of information in my credit report. As of todays date, Equifax has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX BANK XXXX because I believe it was reporting in error.
Consumer complaint received 2022-06-15
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc (MS)

Someone at one of the places that I've used my card at, apparently either took a picture of my card or wrote down the card number, exp date, and CCV and tried to use my card twice to get XXXX. Both of these charges are showing on my card, but yet when I call XXXX, they can not find any account associated with me or my wife or my card number. So they have no idea where the charges came from. We have been fighting with Chime to get a refund on XXXX fraudulent charges made on XX/XX/XXXX and XX/XX/XXXX to XXXX. I have even sent them a recording from XXXX where they state they can't find anything in their system for us or the card. But yet Chime keeps denying the dispute and using the reasoning that since there was a deposit made on the card ( this is my husband 's paycard and he gets paid every week ) that we knew about the charges.?? I have explained that to them, sent them a copy of all deposits showing it's his paychecks, sent them a copy of the recording from XXXX ( multiple times ) and we are still being denied the dispute.
Consumer complaint received 2022-11-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (GA)

i reviewed a copy of my credit report and notice a collection from an unknown company, i never received any information from them and never had any type of agreement or service with them. I never authorized anyone to share any type of information on my behalf with them. I mailed a letter asking why are they reporting anything without my written consent as well to recieve a copy of their license that authorize Any reporting in my state. I also asked for any contract bering my wet original signature. Its been over 30 days and i have not heard anything neither has it been removed from my credit file. I asked if they are reporting on another companies behalf that the account is sent back to that company because i never agreed for my information to be shared
Consumer complaint received 2022-11-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TX)

In late XX/XX/2022 I notified Mohela that I am opting to receive payments made during XXXX refunded to me. Mohela stated that it would take up to 30-days to receive the funds back. It has now been more than 65 days and I still have not received my refund. Furthermore, I have made multiple attempts to contact them by phone, email and their website messaging system. Three times I was on hold for XXXX hours and XXXX minutes after which the music stops and I was either disconnected or continued to wait without any indications I was still connected. This is abominable customer service and I see no reason why I should continue to endure financial hardship as a direct result of Mohela not refunding my money.
Consumer complaint received 2022-08-15
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: BARCLAYS BANK DELAWARE (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : BRCLYSBANKDE  XXXX
Consumer complaint received 2022-06-15
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. (AL)

I have hard inquiry on my Equifax credit report from XXXX XXXX XXXX on XX/XX/2022 and I have never had a car from there or signed any papers from that facility. I tried contacting the personnel from XXXX who reports to the credit bureaus but havent received a call back yet could I please receive help.
Consumer complaint received 2022-06-15
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)

On [ XXXX & XXXX ] I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. Your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested. Numbers 6 & 7 listed below appear to be duplicate accounts.

This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/identification of the dispute ).

To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute.

Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ).

Please reply within 15 days or delete the negative items, as originally requested. 
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 XXXXXXXX 9. U S DEPT OF EDXXXX : XXXX
Consumer complaint received 2022-11-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (GA)

KIA has reported my bill as late on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. When I have called and spoke with a representative they admit it is an error on their part and the issue will be fixed but have not fixed it as of yet after numerous calls.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (CA)

INACCURACIES ON MY CONSUMER REPORT. 
XXXX ACCT # XXXX Balance XXXX $ status open, last payment ( XX/XX/XXXX ) open date ( XX/XX/XXXX ), last reported ( XX/XX/XXXX ), ( XXXX ). 

XXXX XXXX XXXX XXXXXXXX ACCT # XXXX BALANCE XXXX $ STATUS OPEN LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) ( XXXX ). 

XXXX ACCT # XXXX BALANCE XXXX $ STATUS OPEN ( INACCURATE ) LAST PAYMENT ( XX/XX/XXXX ), OPEN DATE ( XX/XX/XXXX ), ( INACCURATE ) LAST PAYMENT ( XX/XX/XXXX ). ( EQUIFAX ).
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (KY)

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items 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 2016-05-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (OH)

On or around XXXX 2016 I seen a entry on my credit report for a 30 days Late/Missed on my credit report. I contacted XXXX XXXX with my concerns and they were unable to find the record of a 30 days Late/Missed payment on my file. Currently XXXX are now the new creditors. I still have my Open active account with XXXX. The late payment on file is reported in error and needs to be rmoved.