davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK (NJ)

I received a very disturbing response from the executive team stating that they did what was necessary as to the fraud results when everything was withdrawn so I am not sure why they are sticking to these so-called fraud there is no fraud everything was withdrawn and the institutions they received money from needs to be credited back which is documented and attached here. This is my previous message to them hopefully they read it and understand it this time .I XXXX XXXX XXXX into my discover card for an inquiry about if my son in law who is/was my managed user went through id-theft and paid the debt from XXXX XXXXXXXX with a B/T who would be responsible to write or pay it off. Generically, I answered my own question and told them that it was just a inquiry and not to dispute anything. However, the agent decided to dispute 12 B/T and got 2 of my son in laws cards closed because they thought we disputed it even though we wrote a letter and signed it with our ids and statements stating these are valid and not to take further action, with that said they didnt listen and to this day months later when we did the B/T in XXXX and they decided to dispute it on there own accord after my inquiry we were not able to have it undone despite the letters stating we withdrew all of the disputes and they would return the money to the proper institutions. This was never done to this day they keep saying we owe them money and the institution they took it from at the same time without anyones consent to dispute the claims. We called countless times and talked and emailed executives with no luck about this card and we are suffering massive credit harm from what they did and massive balances on these cards that were paid off. My son in law runs a business and cant produce what he needs because both of our credits were destroyed by there negligence and they are refusing to return the money and give us a letter of bank error so we could fix our credit. Everytime I call in there is no answers and they will not undo the disputes and send random letters such as now Im not responsible for the debt one week to being held responsible to still having to pay both institutions and everyone is suffering my wife is XXXX on XXXX and I can not downsize my home because my credit has been ruined and they will not fix it or respond no matter what I do or send them. I have documentation and letters of this confusing mess when all that had to be down was withdrawn and return the money to all institutions. Discover credit card has ruined my life and my son in laws with no remorse. We called every week for the past 2months and are fed up and need help
Consumer complaint received 2022-09-19
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and removed them without incident. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit XXXX XXXX Date Opened XX/XX/XXXX Balance {$1600.00}, XXXX XXXX  XXXX Date Opened XXXX XXXX, XXXX Balance {$1400.00}
Consumer complaint received 2022-11-28
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. (GA)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : 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.
Consumer complaint received 2022-11-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY (GA)

In accordance with the Fair credit and reporting act this creditor has violated my rights under 15 usc 1681 section 602 states i have the right to privacy. 15 usc 1681 section 604 a section 2 states a consumer reporting agency can not " FURNISH '' an account without my written instructions. Under 15usc 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-09-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: CITIBANK, N.A. (MD)

I have three charges that I have disputed since XX/XX/2022. The first amount was {$640.00} which was debited from my account. Citibank has not adjusted my account for these two transactions and is stating that I have to wait for some letter to process these claims. This claim is outside the 10 days business time period. Citibank has mishandled several claims that I have submitted to them.
Consumer complaint received 2022-06-24
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. (AZ)

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX has violated my rights 15U.S.C1681 Section 602A. States I have the right to privacy 15U.S.C1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-11-26
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. (FL)

This is my second 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 XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance XXXX {$460.00}, XXXX XXXX XXXX  XXXX Balance : {$1200.00}, XXXX XXXX XXXX XXXX : {$25000.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$15000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$110.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$560.00}, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$790.00}, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX 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 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 2022-09-19
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. (AR)

Well how can I explain this scenario of change of identity through XXXX XXXX University, I started going to school in XXXX of XXXX after completing the five years I have come to find out that there was a change in my identity in the year of XXXX can remember when the school reached out to me in the year of XXXX about enrolling, that it would help me with my career, which it has not help me at all and I am stuck with {$140000.00} XXXX student loans .Recently there has been a class action lawsuit against the school that has defrauded consumers going to a for profit school.I have ask for a discharge from all of my students loans because the change of identity the enrollment form with my hand written SSN on top of the enrollment form and the student ID on top of the enrollment form is not the student ID number which was used at XXXX XXXX XXXX I am fighting this is because its on my credit report, which I want it removed because the change of identity in the year of XXXX This has been a 21 years process where my identity was changed on a job and has followed me all these years., My identity was changed while attending the school which is not legal because I did not change my identity never while attending XXXX XXXX University from the years of XX/XX/2009 until XXXX XXXX. I am also filing this because the fraudulent change of identity .The class action lawsuit is schedule for a hearing on XXXX XXXXI have been living in this nightmare since XXXX XXXX with the change in identity which I was not solely responsible for the change in my identity. in the year of XXXX have no ideal who handwriting it is on top of the enrollment form for XXXX, plus I received a document that I have no Pell grants or student loans, so who is behind all of this change in my identity I have no clue which has puzzle me since 21 years ruining my character and reputation which has been a painful experience which has my life at a stand still for the past 21 years which can not use my SSN for nothing since al this has occurred sine XXXX XXXX. I filed for discharge or loan forgiveness after learning of the for profit school behavior in changing my identity last year under XXXX XXXX XXXX.
Consumer complaint received 2022-06-24
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. (IL)

Hello, I became a US Citizen and have changed my legal name from XXXX XXXX to XXXX XXXX. Since then I've updated my state id, social security card, received my US Passport, updated my bank information and my paystub info. 
I'm currently applying for a mortgage and can't get financing because the lender can't get my equifax credit report under my new name. 

I filed 3 separate disputes over my legal name. First 2 were filed thru https : //www.equifax.com/personal/credit-report-services/credit-dispute/ after I called their customer support and they told me to go this route. 

Using their system I uploaded my new and old state IDs, new/old social security cards XXXX certified copy of name change petition from northern district court of US District court , new paystub for my new legal name. 


Both disputes were completed with the result : >>> We have reviewed the identification information. The results are : PLEASE SUBMIT A COPY OF YOUR SOCIAL SECURITY CARD, DRIVER 'S LICENSE AND/ OR AN OFFICIAL DOCUMENT TO UPDATE YOUR NAME. Name : XXXX XXXX XXXX : XXXX Birthdate : XX/XX/XXXX For the 3rd dispute I called their phone number, waited a long time with an " Unusually high call volume '' message which is simply a lie since if they always have that many calls- it is *usual* call volume. 

The customer service representative told me she will open another dispute over the phone and this time it will work since she is using the document that I uploaded 2 previous times. The last dispute was completed on XX/XX/XXXX but I can't get the disputes ' result in my online profile since the dispute was created over the phone but I requested my credit report and it is still under my old legal name. 

If my lender can't get my equifax credit report, then I can't get the required financing and will lose my earnest money deposit which is quite a lot. All due to poor quality of service from equifax. 

Thank you for your help!
Consumer complaint received 2022-06-24
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)

XXXX XXXX XXXX, has violated my consumer rights of the Fair Credit Reporting Act - FCRA under 15 U.S.C. Sec. 1681i ( a ), - XXXX XXXX  reported a debt collection on my credit report without verification / validation for two different Account Numbers : XXXX : Account number : XXXX - in the amount of {$30000.00} EQUIFAX : Account number : FINANCXXXXXXXXXX - in the amount of {$30000.00} - XXXX XXXX XXXX, did not contacted me before reporting information to the credit bureaus. 

- XXXX XXXX XXXX, has failed to provide information validating debt, written documentation, original agreement with original signature of said debt. 

- XXXX XXXX XXXX was contacted via certified letter and returned receipt ( attached ) to remove Unverified, Inaccurate, and incomplete info to credit bureaus. 

- XXXX XXXX XXXX, has persistently reported inaccurate and unverified information to credit bureaus since XX/XX/2019. 

Furthermore, XXXX XXXX XXXX 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 a account without my written instructions.
Consumer complaint received 2022-09-19
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. (MO)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$8300.00} ; XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXXXXXX Balance : {$650.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$230.00} ; XXXX  XXXX XXXX Balance : {$8800.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2015 ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-09-19
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-06-24
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX  XXXX XXXX XXXX opened : XX/XX/2010 Balance : {$1300.00}, and XXXX XXXXXXXX Date opened : XX/XX/2010 Balance : {$0.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-09-19
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. (FL)

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-19
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. (NC)

Upon reviewing my reports, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/XXXX,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SHM Holdings, LLC (CA)

Update : I contacted customer service and got no response. It has been over 3 weeks. I then called the mortgage company and was told that customer service should follow up with me, within a day... it's been over a week and no response. 

Everything was going smoothly, until a significant amount of their staff, including our underwriter, was laid off a matter of days before our closing. Our loan was given to a new underwriter, we were given completely new conditions, many verifying the same information from the previous underwriter, in a different way. We went from being told everything looked good to close, to needing a rate lock extension, that the company refused to pay for, despite the situation. ( With our previous lender, they automatically extended our rate, when the company was behind. ) Furthermore, our loan agent told us she wasn't sure if we could do a rate lock extension, and that our situation " is what it is. '' Neither she nor her manager were available the entire day of the rate lock expiration, until less than XXXX minutes before the rate was set to expire. The loan agent kept saying she'd call back, but then didn't, until XXXX minutes prior to rate lock expiring. I emailed the supervisor the day before with concerns about the rate expiring, with no response. 
While many advised that we go with a different company, interest rates had significantly increased, and so we stuck it out with this company, to save a significant amount of money. 
While the regional manager and the company vp took care of the situation moving forward, as far as making sure everything was done in a timely manner to close within the rate lock extension, the company never took ownership of paying for the rate lock, nor apologized for the situation they put us in, or the way it was handled. 
They also told me if this rate lock expired, they couldn't renew. 
When I pointed out that they had all of our documents submitted the month prior, and that if they had needed any follow up, they should have requested those documents weeks ago, not on day XXXX of a loan, their response was that it would have been nice if the first underwriter had done that. 
Anyway, it was an awful experience and I can't believe how poorly the company handled it! 
While hard or unexpected situations might arise for any company, such as many lay offs, the way they treated us in this situation, which they were entirely responsible for, was horrible. 
Furthermore, given their affiliation with XXXX, we had high expectations! 
I would never recommend this company to a friend or wish our situation upon anyone. 

I can provide any texts, emails etc, showing when docs were provided, when tjey were submitted, etc.