davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-28
Product: Credit reporting 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. (NY)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Ive been a victim of identity theft. Please remove and block these accounts on my report, theyre hurting of my ability to obtain credit.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section XXXX ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2020-04-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (GA)

I need help with the forbearance process and answer some questions. I have a loan serviced with Quicken. The recent FHFA announcement about not needing to pay a lump sum at the end of forbearance. I need to know if the refi option or ability to extend my loan term by the number of months forbearance will impact my credit and if we can agree to the terms prior to starting forbearance. My concern is if I cant make a credit card payments or if I'm late during the forbearance will impact my ability to qualify for the repayment option. I need help to understand my options and the website is very limited information and the options are not clearly defined. Tried to reach an agent multiple times with no response or agents are not available for both online and call center.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

To Whom It May Concern, I am writing to formally dispute the inaccurate information reported by XXXX XXXX  regarding account number XXXX ( XXXX and XXXX ) and XXXX ( Equifax ) as detailed in my credit reports. I believe that this account contains erroneous information that violates the Fair Credit Reporting Act ( FCRA ), and I am requesting the removal of this account from my credit reports. 

Inaccuracies and Violations : Inconsistent Reporting of High Credit : XXXX : {$6900.00} XXXX : {$0.00} Equifax : {$6200.00} Violation : Under 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. Reporting a high credit of {$0.00} when there is a known balance is misleading and inaccurate. 
Misleading Payment Status : All bureaus report the payment status as " XXXX, '' which does not accurately reflect my payment history and efforts to resolve this account. 
Violation : Under 15 U.S.C. 1681s-2 ( a ) ( 2 ), furnishers of information must provide accurate information regarding accounts. 
Discrepancies in Account Status : The " Date Last Active '' varies significantly across reports : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Violation : This inconsistency violates 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681g ( a ) ( 1 ), which require accurate and complete information in consumer credit reports. 
Inaccurate Last Reported Dates : The last reported dates are inconsistent : XXXX & XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Violation : This discrepancy violates 15 U.S.C. 1681e ( b ).

Negative Comments Misrepresentation : Comments indicate a charge-off and profit and loss write-off that mislead potential creditors regarding the account 's status.

Violation : Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), furnishers must not provide information known to be inaccurate or misleading.
Consumer complaint received 2020-06-04
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: EQUIFAX, INC. (TX)

To whom it may concern : My name is XXXX XXXX XXXX. I mailed off a copy of my ID and SSN Card for several Accounts that were open in my name FRAUDULENTLY to all three credit bureaus. None were removed. 

My FTC number is XXXX My USPS tracking numbers are Equifax XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX The accounts are listed as follows : XXXX  XXXX**** ( Original Creditor : XXXX  XXXX  XXXX  ) XXXX**** XXXX  XXXX**** Hard Inquires Type of Business Date of inquiry Credit Bureau XXXX - XX/XX/XXXX Equifax CREDIT PLUS Mortgage Reporters XX/XX/XXXX XXXX  XXXX XXXX Miscellaneous XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX Equifax XXXX XXXX  Mortgage Reporters XX/XX/XXXX XXXX  XXXX XXXX   Miscellaneous XX/XX/XXXX XXXX  XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX  XXXX Finance/Personal XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX  XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX Equifax XXXX XXXX Bank  Credit Cards XX/XX/XXXX XXXX  XXXX XXXX Bank  XX/XX/XXXX XXXX  XXXX Bank  XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXX  XXXX XXXX  AND XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX   XX/XX/XXXX XXXX  XXXX Finance/Personal XX/XX/XXXX XXXX  XXXX XXXX Finance/Personal XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX Bank  Credit Cards XX/XX/XXXX XXXX  XXXX XXXX Bank  XX/XX/XXXX XXXX  If these fraudulent accounts are not removed in 14 days. I WILL be taking the steps to seek monetary damages in small claims court.
Consumer complaint received 2019-03-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER BANK, NATIONAL ASSOCIATION (RI)

I have a credit card with XXXX XXXX. I made an online payment of XXXX dolars on XXXX, for some reason XXXX ran this payment from an old account with Santander Bank I havent had in years and keep a small balance. the payment ran causing my account to over draw and incuring a fee of XXXX dolars to be charged. THEN to compound the issue Santander rejects the payment and for some reason XXXX kept re running the ACH every day up until I caught it today XXXX. No one from XXXX or Santander once contacted me just kept playing this game of rejecting and rerunning the ACH and causing my account to be now XXXX and the payment to XXXX never being processed. So to recap payment to XXXX was never made and I was charged 4 separate over draw fees for one transaction. I have contact both parties to resolve this and got zero help. Had XXXX or Santander simply mailed me a letter, emailed me, called me or even texted me about this issue it would of been resolved 2 weeks ago. But there is no profit of excessive over draft fees for 1 transaction.
Consumer complaint received 2019-03-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (GA)

This is regarding my son 's Share Savings account. It was opened in XX/XX/XXXX by my now ex-husband. Note : Ex husband is NOT my sons biological father nor did he or does he have ANY legal custody or rights to my son. When my now ex was incarcerated in XX/XX/XXXX I filed for divorce. It was finalized in XX/XX/XXXX. Since then I have been trying to change my sons account to make me custodian over this account. I have spoke to Navy Federal local branch member XX/XX/XXXX, who told me there is no way I can change the account. I called NFCU on XX/XX/XXXX. Rep told me to send documentation and written letter to membership department requesting change due to recent unavoidable changes ( incarceration/divorce ) and request account change. Was told to include items such as my sons birth certificate showing my ex is NOT my sons father, as well as my first marriage ( sons father ) divorce and custody order and my current divorce decree showing my ex is in fact incarcerated. I was assured with this information my request would be approved. ESPECIALLY since my ex is NOT my sons father, NOT have any legal rights to him and was nothing more than the " XXXX XXXX account holder '' at NFCU and was the one who had to open the account. I submitted request on that date. On XX/XX/XXXX I received a response back on XX/XX/XXXX stating my request was denied. 

XXXX XXXX Account Holder/Custodian : XXXX XXXX XX/XX/XXXX XXXX XXXX Dependant : XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-11-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc. (TX)

I would like for the AR RESOURCES INC to show proof of verification that I owe them {$6200.00} with ACCOUNT # XXXX. As of date, you have not provided me with a 1099c for my review and my records. I am asking that you do this now. 

In addition, if you reported this alleged debt as a loss to the IRS, I request that you pull this account back from any collection agency you may have placed it with or from any debt buyer you may have sold this to.

Please provide this within 30 days. Until this has been provided, I am requesting that any negative reporting to my credit by your company or any company trying to collect this debt be immediately stopped.
Consumer complaint received 2019-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

on XX/XX/2019, and XX/XX/2019, and XX/XX/2019, I have submitted multiple disputes about hard inquires to Transunion and they have refused to investigate or remove they are clearly violating the law. All they keep sending is it has to be XXXX years without even looking into it they would send the same letter every two weeks so I would resend the dispute
Consumer complaint received 2019-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (FL)

A few years back I was contacted by this collection company LVNV funding XXXX XXXX  XXXX XXXX SC XXXX, representing XXXX XXXX. 
I had settled this account and paid everything that I supposed to pay. I made an agreement with this agency. Any agreement the agency promise not to report anything negative on my credit report and to remove anything, and everything off my credit report In regards to this matter as long as I paid. This was an agreement between just collection agency and myself. However, I notice on my credit report recently that it was still present and showing that the account was still open. When basically it was pay to delete the information. Next thing was is that this should have never been on my credit report from the very beginning. Because agreement was reached with XXXX XXXX back then. XXXX XXXX didn't return after they made an agreement with me, and I paid them they turn this matter over to the collection agency. So I feel like I got betrayed by both of these companies, and both of these companies took advantage of me. I am trying to get these removed off my credit report immediately.. 



Below is my information back then, before I relocated out of state. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX New Jersey XXXX, telephone XXXX.
Consumer complaint received 2019-03-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: XOOM CORPORATION (CA)

I used this new app call Xoom, an extension of XXXX for international transfer. I transferred XXXX $ from my XXXX bank account to my daughter XXXX account, she is a student there, the fund were debited from my account but never credited to hers. Its been 3 weeks of back & forth, they show me some sort of proof of credit in her account but she never got anything. Per their request, I have been sending them her bank statements showing that its not there, I did it 3 times already, but each time they got back to the same generic email, saying that its been delivered!
Consumer complaint received 2022-10-15
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. (NC)

In accordance with the Fair Credit Act. The List of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. XXXX XXXX XXXX # XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX ( does not have all the account numbers ) and has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. ( XXXX XXXX XXXXXXXX has violated my right to privacy. 

15 U.S.C. 1681 Section 604 A Section 2.It also states a consumer reporting agency can nor furnish an account without my written instructions. 

15 U.S. C 1681 c. ( 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 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

ALL 3 CREDIT AGENCIES VIOLATED " FCRA '' CONTINUE REPORTING INCORRECT " PACER '' DATA OF PUBLIC RECORDS ACCOUNTS NOT MINES, OUTDATED AND 41 / ACCOUNTS REPORTED 2X
Consumer complaint received 2021-05-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services (WV)

I have had 2 complaints through CFPS on this issue. I need an address, phone number and person for Conduent Education Services. All addresses and phone numbers are either out of service or mail - not known at address. 
Including info received from Department of Education.
Consumer complaint received 2019-03-28
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. (FL)

Dear Sir or Madam, I reviewed a copy of my credit report and I noticed unauthorized inquiries had been made by the following companies : EQUIFAX MORTGAGE SERVICE Inquired on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX/XXXX Inquired on : XX/XX/XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX Inquired on : XX/XX/XXXX I contacted the above mentioned creditors and asked them to remove their credit inquiry from my credit profile on several occasions however all of the inquires have not been removed. Im request that you remove these inquiries on my credit report and send me an updated copy of my credit report. I'd like the credit bureaus to please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation if the above credit inquiries are not removed. Thank you for your assistance in this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2021-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NJ)

I paid an annual fee in full of {$450.00} and the company decided to close my account during the year. Nowhere in the card member agreement does it state that I am not entitled to a pro-rated refund of the annual fee. The company needs to refund partially my annual fee payment. When you pay for an annual service and the company stops providing the service during the year, it is not right ( and arguably not legal ) to keep the entire fee.
Consumer complaint received 2020-04-28
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (NC)

I missed a {$160.00} increase on my mortgage one month out of a stellar credit and payment histories. I was not aware of this increase, which represented an increase in my escrow account. My mortgage payment was {$2200.00}. We paid {$2100.00} for XX/XX/2020. Within the 30 day timeframe, Nationstar reported it to my credit ( without any notice to me- I would have gladly pay the increase ), and my hard- earned credit score dropped 83 points. I am struggling during the COVID crisis as my hours have been cut, but I have still paid over 90 % of my mortgage on time as I have for the 5+ years I have had it. And I get punished instantly for being short {$160.00} on an increased escrow without more than 30 days going by or additional documentation alerting me to the problem? This is wrong!! Seems there are many similar complaints against this particular corporate giant.
Consumer complaint received 2019-03-27
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc (LA)

On XX/XX//19 I sent a letter to Ad Astra Recovery requesting validation ( Tracking number XXXX XXXX XXXX XXXX XXXX - USPS ) of the debt they are trying to collect ( account number XXXX ). 

I received a letter from then stating the debt is consistent with the information they received from their client. 
Attached was a contract that did NOT have my signature and only my name typed. 
This is not proper validation according to the law.
Consumer complaint received 2019-03-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PlusFour, Inc (NV)

Plusfour sent me an itemized invoice for XXXX rental. XX/XX/XXXX -XX/XX/XXXX I was in XXXX Virginia attending XXXX University . 

Nonetheless, please delete this from my credit report ASAP and cease all collection attempts. 

Please see attached - FTC ID THEFT AFFADAVIT - LOCAL POLICE REPORT ( case # XXXX )
Consumer complaint received 2019-03-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I am disputing the foreclosure date or XX/XX/2019 by Select Portfolio Servcing. 
I have asked for specfic information on this loan from them multiple times and have not received the information that I need to make an informed decision on what I need to do with my property and my situation. 
There are 2 open disputes on this loan number XXXX disputing the Trust that my loan is a part of. I have spoken with the ombudsmen department multiple times about extending the foreclosure date and as of today they refuse to do so. I even had one representative from the Ombudsman department tell me it would be illegal for them to foreclose on the property with an open dispute on it. Yet they still seem to be intent on doing so. 
I have tried multiple times to get a clear answer from them on my situation and they openly tell me they know nothing about the XXXX XXXX XXXXXXXX XXXX XXXX other than who owns it. I need more information on that to help me with my situation and to give me piece of mind that my money is going where it's supposed to. 
Again I demand they give me the information I need and that this foreclosure date set for XX/XX/2019, is postponed based on the fact that there is information, that they as the collecting party should have yet they are now giving me.
Consumer complaint received 2019-03-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/XXXX, I received an email from Bank of America offering {$300.00} if I ( 1 ) opened a checking account before XX/XX/XXXX, and ( 2 ) set up and receive direct deposits totaling {$4000.00} or more within 90 days of opening my checking account. 

I opened the account in the second week of XXXX, well before the deadline, using the link provided in the email. By XX/XX/XXXX, I had already received over {$4000.00} in direct deposits from my employer, which continued into XXXX. 

The terms in the email I received specifically state, " After you meet all of the requirements, we will attempt to deposit the earned bonus directly into your new personal checking account within sixty ( 60 ) days. '' I have waited several weeks past the 60-day mark, and I have still not received the promotional {$300.00}. 

I have called Bank of America twice to inquire. The first time, I was told to wait a few more weeks. The second time, I was told that they could not find this promotion on my account, and transferred me to the " XXXX XXXX XXXX. '' However, this hotline transferred me back to standard customer service. I was unable to reach anyone at Bank of America who would resolve this issue.