davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Final attempt to resolve this matter : I send a certified letter on XXXX XXXX and made a complaint with cfpb.gov on XX/XX/XXXX with proof attached showing the accounts listed below are reporting inaccurate on my credit report and yet this matter still has not been resolved. So now I`m submitting a complaint again with cfpb.gov and ftc.gov/complaint because I`m keeping record of every complaint, so I can file a claim against you. I am asking for reinvestigation, according to Bureaus section 1681. In addition, you have violated section 623 because you refuse to correct the information after I provided proof of inaccuracy, which is defamation, willful injury. 

The reason for this complaint because you consistently violating the law by reporting inaccurate information without valid proof. Please see below I have listed each account in detail, explained the reason for inaccuracies, and enclosed valid proof showing my finding are valid. 

After reviewing my finding, please deleted theses accounts immediately. 

1.For Previous Address : XXXX XXXX XXXX XXXX XXXX, XXXX, Tx, XXXX is invalid, please delete this information immediately. 

XXXX account # XXXX Equifax reporting account type/detail as unknown and XXXX  and XXXX reporting account type detail as credit card, this inaccurate information, delete this account. 

Equifax reporting high credit as XXXX, XXXX  reporting high credit as zero, and XXXX reporting high credit as XXXX, per violation credit agencies can not report different balances, delete pre violation. 

Equifax reporting credit limit as zero, XXXX reporting credit limit as XXXX and XXXX  reporting credit limit as XXXX, This is inaccurate because there can not be a XXXX-credit limit with one agency and credit limit with another, this inaccurate information, delete this account. 

Equifax date of last active XX/XX/XXXX, XXXX  date of last active XX/XX/XXXX, and XXXX  date of last active XX/XX/XXXX, theses dates are about 1 year apart which makes this account inaccurate, delete this account. 

Dates of last payments between all 3 credit agencies are about 1 year apart, per violation delete this account. delete this account per violation and failed to investigate In addition, date of last payment states XX/XX/XXXX, which is 7 years and 6 months to date, which this account has past the 7-year reporting and two-year payment was stating CO/ information is unavailable. delete this account per violation. 


My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX SSN : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Consumer complaint received 2020-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MD)

I have placed credit freeze with Equifax soon after the data leak. Now I can't not get the freeze lifted temporarily. I registered user account in Equifax website as suggested on XX/XX/2020, but every time when I click on " Manage Freeze '', it shows error page. Last time I tried is XX/XX/2020. I called the company 's support phone line many times during the period from XX/XX/2020 to XX/XX/2020, but could pass its automated screening. The phone call always ended with that it can't help me and I should mail the company the document, but it failed to mention what documents and where to sent to, let alone why. Now I am stuck with Eqifax not providing credit report.
Consumer complaint received 2020-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a Credit Card with Capitol One. My account had problems like I was unable to pay online for an extended period of time. They say I was very late when I was not. I asked them politely to remove my late payments and they refused. I have been a customer for a long time and have never had a late payment on any account ever other then this. I want it removed from my credit file. Capitol One is extremely punitive. All of my other companies I do business with for credit related issues ( XXXX, XXXX, two car loans, rent, cell phone ) are all easy to work with however Capitol one seems more interested in hurting my credit then having me as a customer. I am requesting that the late payment be taken off my credit score immediately!
Consumer complaint received 2020-02-16
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have sent XXXX  and Transunion 5 letters disputing an charge off in the amount off {$3300.00} from XXXX XXXX. XXXX  and Transunion did not verify the accounts according to Federal law nor supplied me with any copies of Original contracts with my signature on it as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and did not delete the unverified information on my credit report.
Consumer complaint received 2020-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

Experian wouldnt give me my free credit report yet they report inaccurate information on my reportThe information listed on my report is unknown. Its stopping me from having a place to live. XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OH XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OH XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX 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 ACCOUNT XXXX ACCOUNT XXXX ACCOUNT XXXX XXXX ARE IN VIOLATION OF MY HIPPA RIGHTS UNKNOWN INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-22
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. (NV)

There are two inquiries that are not mine. They are the following : CREDIT INFORMATION S DATE : XX/XX/2019 XXXX XXXX XXXX XXXX XXXX DATE : XXXX XXXX 2019
Consumer complaint received 2020-02-16
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: ENOVA INTERNATIONAL, INC. (AZ)

I discovered that Headway Capital , LLC accessed and reported supplemental information about my to XXXX, and utilized 3 services to do so : XXXX XXXX XXXX, XXXX, AZ, and XXXX, XXXX. 

These inquiries were never requested by me, this company never had my direct authorization, and I have never shopped for a loan of this type. They do not have a completed and signed application from me, they do not have my signature on file, and they do not have my permission to do this. 

The result is that new derragatory and inaccurate data is now on my credit report, meaning they utilized and pulled an incorrect XXXX XXXX from XXXX County, AZ, and is showing I have a property tax bill of {$1400.00} unpaid, when I have never owned a house in Arizona. 

DETAILS : 1 ) I have never heard of this company, nor ever conducted business with this company. 
2 ) On XX/XX/2019 Headway Capital , LLC initiated a XXXX  report on me, and listed their names in the Supplement Information Section, as 3 inquiries, each as : Checking Account and Demand Deposit Account ; Supplement Public Records ; and Supplement Consumer Credit. 
3 ) All 3 of these inquiries shows Headway Capital LLC, accessing my data from XXXX  XXXX, XXXXAZ, and XXXX. 
4 ) I never gave them any information on myself, and never sought them directly to engage in business. 
5 ) This company does not have any authorization from me to run these inquiries and furthermore post their findings on my credit bureau. 
6 ) I am seeking full remedies and course of action against them. 
7 ) I expect full resolution and removal of all 3 instances from my XXXX   Credit Report by them. 
8 ) I do expect an apology in addition to this. 
9 ) Again, this company does not have my consent, nor my explicit authorization. They have never received it verbally, or in writing. I have never engaged with them directly.
Consumer complaint received 2020-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

All three credit reporting agency 's are reporting incorrect information on credit report. 
They are reporting accounts from XXXX XXXX  for auto loans that belonged to a corporation that was dissolved 3 years ago. I can not be held personally responsible therefore they should not be reporting these on my credit report. As they were assigned to the corporation XXXX XXXX XXXX XXXX. 

Experian XXXX  XXXX
Consumer complaint received 2020-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

I have called FedLoan multiple times since the last time I filed a CFPB complaint and they have been unable to fix an issue in which my account shows I owe money when I do not. 

In summary, over the past few months FedLoan gave me incorrect information and accidentally approved me for a repayment plan they were not supposed to approve me for which held up placing all of my loans in a REPAYE plan. I filed a CFPB complaint last month about this issue and they finally placed all of my loans in a REPAYE plan and stated on XX/XX/XXXX in their response to the complaint that " Forbearance has been applied to your loans through XX/XX/XXXX. '' Since that time, I have received multiple notices stating I owe {$3500.00} even though a forbearance was supposed to cover all payments prior to XX/XX/XXXX. I am not supposed to owe any money for the time period during which Fedloan was fixing their issue and my account is not reflecting this. Therefore, a forbearance was not applied to my loans even though their response to my last complaint said it was. 

On XX/XX/XXXX I spoke to an agent with ID # XXXX who told me the forbearance was being processed and it would take 10 days. Over 10 business days later, the forbearance was not in place. I called back on XX/XX/XXXX and spoke with agent XXXX ( ID # XXXX ) who assured me my forbearance extension forms were in place and that by the end of the business day of XX/XX/XXXX my account should have adjusted. My account did not adjust. Today on XX/XX/XXXX, I called Fedloan again. I spoke to agent XXXX ( ID # XXXX ) who stated " the incorrect forms were filed. '' He assured me that he now filed the correct forms and said at this time it will be another 2 weeks until these forms are processed for my forbearance to be applied to all loans through XX/XX/XXXX.
Consumer complaint received 2020-02-17
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: Experian Information Solutions Inc. (CA)

XXXX XXXX placed an invalid, unverified, fraudulent and illegal inquiry into my Experian credit report without me authorizing their organization to view my credit history.

This is a violation of Federal Law. XXXX XXXX is knowingly reporting false information to Experian.

This inquiry is NOT MINE, nor was it authorized by me, and XXXX XXXX has failed to verify it. Their actions constitute fraud under both Federal and State Laws : -Violation of the Fair Credit Reporting Act -Defamation of Character I am disputing this inquiry, through both the CFPB and the XXXX.

I've asked for verification. They failed to supply verification.

This inquiry is negatively affecting my credit report and score due to this company 's false reporting.

I contacted XXXX XXXX and they have NO proof I initiated such an inquiry, nor written authorization. They have FAILED TO PROVIDE ANY PERMISSIBLE PURPOSE.

Since they do not have my authorization, written nor verbal, I demand that they DELETE this unauthorized and illegal inquiry from my credit report immediately as there is NO EVIDENCE OF ANY AUTHORIZATIO

N, NOR ANY PERMISSIBLE PURPOSE. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction THAT IS INITIATED BY THE CONSUMER. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) PROMPTLY DELETE The following inquiry is unauthorized : Made by : XXXX XXXX Made on : XX/XX/2019 Made with : Experian The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand that this unauthorized inquiry be removed immediately.
Consumer complaint received 2020-02-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

Have had this loan for multiple years and have also been or paid on a bi-weekly program either through the company or on our own. We prior to the sale or take over by this mortgage company were on their bi-weekly program. When NewRez dba Shellpoint took over they didn't not participate in that program but we kept on paying bi-weekly through our bank and there didn't seem to ever be an issue until this last year when they for some reason would take one of the bi-weekly payments and make it a principle only only payment. In the event of them processing the bi-weekly and additional principle payments incorrectly they have managed to get our schedule off and now it is showing that come the first of each month we are short on the payment and have since been issued late charges I've called multiple times trying to talk to someone about the issue but it is always after they have applied the " late payment '' and just say they show my account in perfect standing order. Then the first comes around and we are repeating the same process.. I pay {$650.00} the XXXX  and XXXX Friday of every month so come the first I have my regular payment plus and additioon {$250.00} for principle.. I got tired of them putting the blame on me because I wasn't doing the samething buth through them on their time schedule. I finally gave in and set up the bi'weekly to start XX/XX/20 and every other Monday thereafter and assured by the superviose XXXX XXXX XXXX XXXX that my account was again in good standing order once this was started I'd have no further issues. But when I went on the website and looked at my billing history in the same situation. They have made some big mistakes misapply by payments and I just want my schedule to be fixed and stop be charged late fees. No telling how messed up principle payoff has been affected by their XXXX ups. I want my account to reflect my 2 monthly payments being applied to the next month and refunded every dime they've charged me inappropriately. I'm including a copy of my payment history for the last 13*months.  Also attached is a copy of my last statement and if you notice on the back it states that amounts paid in excess will first be applied to satisfy any delinquency yet that has never happened and I pay an {$250.00} every month.
Consumer complaint received 2020-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following not metro 2 compliant accounts should be removed : Creditor : XXXX XXXX, XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.
Consumer complaint received 2020-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following not metro 2 compliant accounts should be removed : Creditor : XXXX XXXX, XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.
Consumer complaint received 2020-01-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (CA)

In early XXXX I was diagnosed with XXXX and was under medical care for 2 to 3 years ; I fell behind on my mortgage payment. Fast forward to today, thankfully I am better and recovered from my XXXX and am financial stable again. I have sent in at least 3 hardship packages over the past year or two between the two servicer 's XXXX XXXX and SN Servicing Corporation. XXXX XXXX offered me a loan modification, and when I accepted the loan modification my loan servicing company was changed, and it went to SN Servicing Corporation. SNSC did not honor the loan modification that was offered to me by XXXX XXXX, this happened early XXXX. Since XX/XX/XXXX I have sent 3 requests to SNSC and my request has been denied every time for -Investor declined loan modification : we are unable to offer you a modification because : Chapter XXXX Discharge where the debt has not been reaffirmed. I can afford to make my mortgage payment now that my hardship is over and still have my life. I have raised my children in this home since XXXX. I was able to get a loan modification for my rental property, and that loan was in the same Chapter XXXX. It is not clear as to why SNSC can not offer me a loan modification ; however they did offer me a collateral agreement with a {$35000.00} good faith payment to pay in a short 3 days of time. I asked for more time and it was denied by the serving company representative managing my loan. Although I am struggling overall, I am still trying to come up with the $ XXXX and not given enough time I am afraid that my home will be foreclosed on me. Given only 3 days time to come up with $ XXXX is harsh and unrealistic. Besides that, I feel the investor on this loan can extend to a loan modification now that I am financially and healthy stable. Also, I believe there is a violation of dual tracking throughout this whole process.
Consumer complaint received 2024-09-17
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. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.