davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-21
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)

On XX/XX/2023 at XXXXXXXX XXXX. I submitted a dispute with Equifax about some inquiries that I didn't authorize or didn't recognize on my credit report. On XXXX XXXX at XXXXXXXX XXXX. I received email notification that my dispute was completed. No items were removed, and Equifax stated that after investigation all accounts were verified as accurate. I don't believe 10 accounts were verified in one day as stated.
Consumer complaint received 2022-12-28
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. (RI)

On XX/XX/XXXX, I received an alert from a credit monitoring company that a new Equifax inquiry was present. Upon reviewing the information, it stated that XXXX XXXX XXXX placed a new inquiry. I disputed this with Equifax, who denied the dispute. I then, on XX/XX/XXXX, called XXXX Card Services ( I do have an open credit card account with them since XXXX, but did not request a second one ) to ask about the inquiry. After talking to both member services and security services there, they do not have any record of such an inquiry connected with any of my personal information. Given this, I again filed a dispute with Equifax, which has again been denied, as the inquiry is deemed " factual. '' No supporting documentation is available from the company to support the factual claim, and as there is no record from XXXX to show this inquiry was not made, there is no way to remove it from my credit report via Equifax. In the interim, I have had to freeze my credit and place a fraud alert given the possibility of such.
Consumer complaint received 2022-08-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MD)

I have been one of the defrauded by Sallie Mae for their practices, e.g. forced to take private high-interest loans through Sallie Mae/Navient when I was unable to pay Sallie Mae/Navient, but I did not go to a for profit school. However, I need remedies too. 

As of today, per Sallie Mae/Navient, I have paid over XXXX on an original XXXX loan and they say I will not pay off the loan until XXXX. I have no idea how to get them to rectify the problem and I have called and emailed. They have no claims department and have no remedies. Please help/advise. They are the most horrible lenders I have ever dealt with and they forced me to take out the loan in the first place when I was experiencing economic hardships. 

Warm regards, XXXX XXXX
Consumer complaint received 2024-10-29
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. (GA)

A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.
Consumer complaint received 2024-10-29
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. (NC)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Shellpoint Partners, LLC (TX)

XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I am complaining about my mortgage not showing on my husbands and my credit report with XXXX credit agency. 
Our original mortgage was with XXXX XXXX XXXX. The mortgage was transferred to Newrez LLC dba Shellpoint Mortgage Servicing on XXXX XXXX XXXX 
I emailed and called Newrez on XXXX regarding, the mortgage not showing up on our credit report and was told the mortgage is being reported to the credit agencies. I was told by the representative that Ill need to contact the credit agencies to find out why the mortgage is not listed on our report. 
I called XXXX on XX/XX/XXXX at XXXXXXXX XXXX using the number, XXXX regarding this issue. I spoke to XXXX in the Customer Service department. He transferred me to XXXX in the Dispute department. XXXX stated, the membership department should be able to update my file and he transferred me to XXXX in the membership department. XXXX stated that my mortgage will not show up on my credit report. I asked to speak to a manager. I spoke to XXXX and he stated that he can not make any updates to my credit report, only the dispute department can do that. I told him I talked to the dispute department and was told the membership department can only make the change. 
I decided to make a complaint, because I have tried to get this resolved since XX/XX/XXXX. Our credit file does not show we have a mortgage listed on it and my husband and I pay our mortgage on time every month and we deserve to get credit for it. 
I look forward to your response to my compliant. You can contact me via phone XXXX or email address : XXXX XXXX
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

I have been trying to remove multiple fraudulent accounts off my credit report since XX/XX/2023 and I have made multiple police reports and ftc reports and they have not removed are blocked the information yet I have provided my documents verify my identity and still the fraudulent accounts are still on my report
Consumer complaint received 2023-02-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NC)

I initiated the process of re-evaluating the value of our property so that the PMI payments could be removed. PHH sent a letter that requested I send a payment of {$150.00}, and I did. They cashed the check. Then they sent a message saying that actually the cost was now {$190.00}, so I would have to pay an additional {$40.00}. I don't think this is lawful, from a contract perspective, because they quoted a price, I paid, and they deposited my check. I also think it is exceptionally bad business practice and ethics for any company that isn't extortionary.
Consumer complaint received 2021-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (TX)

I called Southwest customer service to find out when my companion pass will be reinstated, as I earned it again for this past cycle. However, I was told Southwest/Chase will not be giving me one even though I earnestly earned it. 

On XX/XX/XXXX, Chase to find out how much more I needed to spend in order to earn another companion pass. The Chase representative told me I needed to call Southwest Airlines. Soon after I called Southwest Airlines to find out how much more I needed to spend to earn my companion pass. The representative told me how much I had spent for the year and that spend until XX/XX/XXXX will go towards my companion pass renewal, even though the website says it ends XX/XX/XXXX and resets XX/XX/XXXX. On XX/XX/XXXX I paid via my Chase Southwest Rapid Rewards card {$5300.00} on my property taxes, which was the difference remaining to earn my Companion Pass. In order to pay my taxes via my credit card, I had to pay a 2 % additional fee. 

On XX/XX/XXXX I called Southwest customer service to find out why my companion pass had not been renewed on my account. In the past, I had already received the email confirming my renewal by the first week of XXXX. The representative confirmed that I did qualify for a companion pass but that it was not showing up in my account and that I needed to call customer service on Monday to have it reinstated. 

On XX/XX/XXXX I called SouthwesXXXX customer service to solve the issue, but XXXX, The customer service agent said that I did not qualify because my spending ended on XX/XX/XXXX, not XX/XX/XXXX, which is contradictory to what the rewards portal states ( Last day of the year ) and what the first Southwest agent stated ( XX/XX/XXXX ). 

I went out of my way to pay {$5300.00} in taxes and pay a {$200.00} processing fee just to be able to qualify for the XXXX points. Additionally, I noticed that almost XXXX points never hit my account until XX/XX/XXXX even though the purchase was made in early XXXX. This has been an absolute bait and switch. The rewards portal states it resets at the beginning of each year, but instead, they claim the actual dates coincide with my statement date I have attached my XXXX statement for your review. Please note that they did not post some of my charges until XX/XX/XXXX. Additionally, they didn't give credit for some purchases made within their rewards shopping portal, as they claim the items purchased via their retailers do not qualify, which is ridiculous because I would have earned points on those purchases if I had made them in-store, but they advertise that you get more points on the rewards portal. Additionally, the total amount spent does is not equal to the rewards points because some purchases qualify for more than 1x point. For reference, in mid-XXXX, I had already earned XXXX points.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (VA)

Recently I looked at my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that Equifax will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX  account number : XXXX
Consumer complaint received 2023-02-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Idaho Housing And Finance Association (TX)

I am a single parent of XXXX young children and fell behind due to XXXX. I received an RMA ( request for mortgage assistance form ) and sent it in more than 30 days out from my foreclosure sale date, but the lender kept saying they did not receive my forms. I then turned to a loss mitigation option to Short Salethe property as its condition was inhibiting getting a full payoff w/ all the fees etc. The highest offer is XXXX XXXX CASH but may not close until slightly after the XXXX  as they notated foundation issues. XXXX XXXX sent in ALL the paperwork and we are trying all we can to help prevent my children and I from foreclosing and becoming homeless. The delinquent balance is currently {$30000.00}. I do not have the resources or money to get this paid. Please consider postponing the XXXX  date as a one-time request and/or accepting the $ XXXX CASH OFFER to allow us to get the home sold for its true fair market value.
Consumer complaint received 2023-02-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC (GA)

Jefferson Capital System is a debt collector that is repeatedly damaging credit by reporting the same collection. This collection is a 7 year plus collection that was originally owed by XXXX XXXX in the amount of {$860.00}. It's very unlawful to continue reporting to the credit bureau on an account such is this. The original date of this collection continuously changing. Making this debt repeat multiple time a year to the Credit Bureau. The attempt to collect a debt as old as this one is very damaging to someone credit.
Consumer complaint received 2022-12-28
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. (SC)

In accordance with the Fair Credit Reporting act. The List of accounts below 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 XXXXXXXX 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 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 2022-05-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (FL)

I am trying to qualify for the PSLF in the XXXX. Per student aid.gov in order to qualify and have your payments count. You must work for a qualifying employer. Which I have. You must either work full-time or 30 hours a week or more which ever is greater to count towards the PSLF. I worked aXXXX XXXX XXXX from XXXX through XXXX. I worked 52 hours a week. According to student aid.gov I worked over 30 hours a week for a qualifying employer so these payment should count towards XXXX  and XXXX. Fed Loan I have talked to on several occasions as well as XXXX. My employer XXXX XXXX hired me a XXXX XXXX  but again I worked 52 hours a week for five years. Im a XXXX XXXX. This qualifies to have those payments count. Fed Loan is telling me because my employer marked part time it doesnt count. According to the law and the regulations you either work full-time or greater than 30 hours a week which ever is greater counts. No one is helping me. I went on the student aid.gov website apply to be reconsidered and they close my case and said it was a duplicate. I dont know what to do anymore. I need help.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I recently recently reviewed my consumer credit reports and noticed I had fraudulent accounts on my report. Please remove these fraudulent accounts, for they are hurting my ability to obtain credit. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Chapter XXXX Bankruptcy : Bankruptcy XX/XX/XXXX, Chapter XXXX Bankruptcy : Bankruptcy XX/XX/XXXX Inquiries : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX accounts has resulted in several fraudulent hard inquires and fraudulent collections appearing on my consumer XXXX report.
Consumer complaint received 2024-10-28
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. (TN)

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

XXXX XXXX XXXX : XXXX, XXXX : XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 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 in inaccurate.
Consumer complaint received 2020-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (TX)

I took out an auto loan through the lender Gateway One Lending around XX/XX/XXXX. I immediately signed up for automatic payments and have been on auto-pay ever since and have never missed a payment. In XX/XX/XXXX Gateway One Lending was bought out but Santander Consumer USA Inc. In XX/XX/XXXX I received a notification from XXXX  that my credit score had fallen 40 points due to a missed car payment. I immediately contacted my new lender only to find out  that in fact their records did not show any late or missed payment, in fact the agent concurred that their records showed I have always been on auto-pay since signing the loan. The agent also supplied me with a complete payment history to support my up to date payments in which I have attached below. After reviewing the account and identifying the issue on their end the rep informed me that there was nothing she could do to correct the issue and directed me to call XXXX.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I sincerely urge you to expunge this entry from my credit report as it is not linked to me and is clearly fraudulent. I kindly request a thorough investigation and prompt correction of this inaccuracy in my credit history.