davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-11
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. (HI)

Credit inquiries are the most common ways a bad actor, hacker, impersonator, or other entity uses to gain inappropriate, illegal, unlawful, unauthorized, and credit without resent. There has been a warning on my report to not approve such things. My credit report with Equifax is a complete mess, full of inaccuracies, and they have chosen not to deal with it. This is unacceptable. Any fraudulent, illegal, illicit, unlawful, inappropriate, unauthorized, no consent, no permission from myself, XXXX XXXX XXXX is not considered a valid reason to XXXX credit, credit access, credit inquiries, and other things. These entries should and shall be removed. 

I have been locked out and I am unable to have my account restored, even though I am paying a monthly subscription fee to Equifax. I can not get access. My score reports back as XXXX XXXX and everything is hidden, unavailable, or technical errors pop up. I have talked with Equifax many times, I have verified myself over the phone, they have acknowledge they are in receipt of my unlock requests, yet, I still can not gain access to my account, credit report, score, or any other credit related information. I am 100 % locked out and I can not do anything about it and Equifax refuses to resolve the issue,
Consumer complaint received 2022-07-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Alum Financial, LLC (OR)

Alum Financial scams people with student loans by representing they provide services that will result in either loan forgiveness or forbearance. I have a loan with XXXX that was suspended during the Covid pandemic. Somehow Alum Financial started charging me a monthly without my knowledge. The company either fraudulently obtained my loan information or misrepresented who they were. In no case did I hire them knowing who they were or what they did. The company was the subject of federal class action suit for these practices. I plan to participate in the class action suit or undertake a small claims court case here in Oregon. The company scammed me out of {$1300.00} over a 9 month period. All one has to do is XXXX their name to find numerous complaints similar to mine. I found no one who believed this company acted in good faith. My XXXX is in XXXX XXXX and I can attest to the fact that this company exists for the sole purpose of preying on students with loans they either can't afford to pay or simply want financial relief. In my case the company did not pay XXXX cent toward my loan and did absolutely nothing to earn the money they extracted from me. - XXXX XXXX XXXX, XXXX XXXXXXXX
Consumer complaint received 2020-06-25
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)

Beginning in 2019, Ive disputed the debt with the major credit bureaus, as well as XXXX XXXX XXXX  XXXX. I requested proof of validation. So far, none of them have been able to provide such proof to me. I have sent multiple follow-up letters to each of the companies, and there still is no proof. At this point, XXXX, Equifax or XXXX, no longer responds, or update the account. 

I have fully investigated my rights in this matter. Under the Fair Debt Collection Practices Act, if no proof is provided to me within 30 days, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates as evidence of my requests ( see enclosed ). Under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
According to the Fair Credit Reporting Act, if the debt cant be verified within 30 days, then it must be removed. Telephone Communications with Equifax, XXXX  and XXXX  claim to have verified the debt, but this is, in fact not true under law. Simply contacting the alleged creditor, and asking them to match up numbers in their database, or or using the E Oscar System to input codes is not sufficient verification.
Consumer complaint received 2023-01-11
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. (LA)

XXXX completed an investigation of credit report, no resolution. Stated a company XXXX XXXX provided information. 

XXXX XXXX XXXX have no such information per a letter mailed to Me. Also inaccurate information still reported on file. XXXX XXXX complete investigation on XX/XX/23 but informed your company its still pending. Spoke to XXXX at XXXX XXXX, no public information regarding bankruptcies only insurance information and also address and phone records. XXXX XXXX XXXX  XXXX. 
FCRA 15USC 1681 a this is clearly a violation of this company. 

After your company notified them they adjusted my name as on your report to match information. I do not have a middle name NA. The letter from XXXX XXXX  contains a PIN number and hyperlink which displays all information held in XXXX XXXX files. I have forward this info to XXXX as well. Still no resolve
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (IL)

Back in XXXX I purchased a vehicle with XXXX miles and at the time I didn't have the greatest credit so I was set up with Credit Acceptance. I was told they was okay and that they has handle many of there of clients for them in the past. In XX/XX/XXXX my car was repoed. Upon getting the car back I was told to make a payment of XXXX monthly for the next two years. Credit Acceptance agreed to letting me do my payments every two weeks {$300.00} which would make it $ 600 monthly. I then learned that I had 120+ missed payments from Credit Acceptance. When I call them they said I also have to make the monthly payment of {$390.00} also. I filled a dispute with Credit Acceptance and nothing was done. I also filled a dispute with the Attorney General office and they said since Credit Acceptance didn't respond they couldn't do anything. I currently owe over {$7000.00} and the vehicle is not working. These missed payments is hurting my credit.
Consumer complaint received 2021-02-09
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: JPMORGAN CHASE & CO. (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and JPMCB Card. The Account Opened is JPMCB Card Account Number : XXXX Date Opened : XX/XX/2016 Balance : {$17000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2022-07-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I got scammed by the company I worked for as a personal assistant. They asked me to make transfer from my credit card to cryptocurrency and they could reimburse this amount but all the transactions that they made had been returned or reversed. And now I have credit card debt because of company.
Consumer complaint received 2022-07-17
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 XXXX XXXX  Account # 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 2020-06-24
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. (DE)

There is an account with XXXX XXXX XXXX showing on my credit report in the amount of {$1300.00}. I do not have a contract with XXXX XXXX XXXX. I am not liable for this collection or responsible for this debt. I was never sent any proof validating this debt even though I have requested it. Furthermore, it doesnt appear that XXXX XXXX XXXX is licensed to collect debts in the state of Delaware.
Consumer complaint received 2020-06-24
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. (NY)

I notified XXXX  and Equifax that I an a victim of identity theft and they said that they verified a fraudulent account. How can a fraudulent activity be verified as not fraudulent, please again see attached police report and ftc report along with my identification
Consumer complaint received 2023-01-09
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. (NY)

I have the XXXX XXXX app. I have XXXX VISA card, originally at a XXXX} balance. I have paid $ XXXX XXXX religiously ever month. My balance is at XXXX now and Equifax lowered my score XXXX points, XXXX raised my score XXXX points. 
Equifax explained that my debt is less ( paying my card down ), so therefore my score goes down. 

I am truly being disciplined for getting out of debt. The system seems to be set up for me to keep a XXXX balance, pay the minimum and my score would go up, while the XXXX lender makes a ton of money from me. 

The system needs to be addressed and fixed. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-14
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: Experian Information Solutions Inc. (VA)

To whom it may concern I XXXX XXXX sent a certified letter to XXXX in regards to them reporting inaccurate information on my consumer report. On XX/XX/2022 they responded saying they did an investigation and VERIFIED that all information was reporting accurately. I supplied them with evidence which showed that they were reporting inacuurate information. Instead of doing the proper investion pursuant too 15 USC 1681s this agency choose to still report inaccurate information which is causing me great harm. I am again asking for help in this matter seeing that XXXX fails to respect my rights as a consumer and is continuing to violate those rights by reporting harmful inaccurate information.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (LA)

I have called EXPERIAN multiple times to request my credit report to be mailed out. I was told it would take about XXXX days to be received. I spoke with a representative on XXXX occasions and verified my information. I still have not received anything. This action has headed me in many ways. I am not happy at all. According to the Credit report law, I am entitled to my free credit report.
Consumer complaint received 2020-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

XXXX  ; Experian and XXXX  should not be reporting a collection/chargeoff in the amount of {$100.00} on the XXXX XXXX partial account umber XXXX. ( Please see page attached from my credit report. ) Payments are made to XXXX XXXX. ( Please see attached payment record dated XX/XX/2020 for reference. ) This payment should have never have gone to XXXX and this account needs to report a {$0.00} balance. This false reporting of a collection/chargeoff is seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX. I obtain a copy of my Equifax credit report Report Confirmation Number XXXX. 

Upon reviewing the report and all the list of accounts there is multiple violation of FCRA. 

- XXXX XXXX XXXX Account is reporting Transfer & Sold but still open on consumer report with a past due balance. 
-XXXX- XXXX XXXX Account is reporting Transfer & Sold but still open on consumer report with a past due balance. 
XXXX BANK XXXX XXXX Account is reporting Transfer & Sold but still open on consumer report with a past due balance. 
- XXXX FINANCE I, XXXX XXXX This account is on my file, I never had a loan with them for any services. I have disputed with them, This firm is a DEBT BUYER, so this leads one to believe that they bought a debt and Equifax illegally place this incorrect information on my consumer credit report. On the information Equifax has the following Date of First XXXX  is XX/XX/XXXX. Then said date the account was open is XX/XX/XXXX. This is a clear violation of FCRA reporting inaccurate information on a consumer file. 

- XXXX XXXX This account is on my file, I never had a loan with them for any services. I have disputed with them. I never had an account with this firm. Equifax illegally place this incorrect information on my consumer credit report. On the information Equifax has the following Date of First XXXX is XX/XX/XXXX. Then said date the account was open is XX/XX/XXXX. This is a clear violation of FCRA reporting inaccurate information on a consumer file. 
- A notice of BANKRUPTCY BEING reported on consumer file. The consumer did not file bankruptcy nor, was this information supplied by the Bankruptcy XXXX in the state of Maryland. The court does not furnish this information to Credit Reporting Agencies. This is another violation of FCRA XXXX. XXXX XXXX XXXX XXXX - Procedure in case of accuracy.
Consumer complaint received 2020-06-24
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. (WA)

XXXX ; XXXX  and Transunion should not be reporting a collection/chargeoff in the amount of {$100.00} on the XXXX XXXX partial account umber XXXX. ( Please see page attached from my credit report. ) Payments are made to XXXX XXXX. ( Please see attached payment record dated XXXX2020 for  reference. ) This payment should have never have gone to XXXX and this account needs to report a {$0.00} balance. This false reporting of a collection/chargeoff is seriously harming my credit score. I have contacted the bureaus to remove this however, I have  not been successful.
Consumer complaint received 2023-01-09
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. ()

Dear XXXX, Complaint id : XXXX To put it simply, the {$77000.00} was a line of credit, but my mother did not actually withdraw it from the bank. It never actually went into her account! 
Instead, money equal to the amount of this line of credit was transferred to XXXX. And this is true. 
So why should she have to pay off a loan she never received? 
At most, only money related to the maintenance of the credit line, XXXX. all interest, should have been transferred to XXXX 's account. The {$77000.00} is principal. And separate interest. But the principal was never held by my mother. It never went into her pocket, it never went into her bank account! That sounds like a theft. 

My mother took out a line of credit with the XXXX XXXX XXXX for {$77000.00}. But the money was never disbursed. 
Now here 's the problem : XXXX XXXX transferred the same amount of money to XXXX 's account. From my mother 's estate! 
On XX/XX/XXXX, the XXXX XXXX Department informed me that the {$77000.00} was deposited into Champion Mortgage 's account. But it was never in my mother 's account. So she never actually owed this {$77000.00}, only the interest and insurance costs associated with it. 

I received your letter. 
Unfortunately, I can not agree. 
To me it is irrelevant that the reverse mortgage was closed. My question is this : no one has noticed the important fact that my mother did not receive the {$77000.00} reverse mortgage. 
The amount of the {$77000.00} reverse mortgage was transferred to Champion Mortgage. How was XXXX able to close this case? 
Did the accounting firm not realize that when my mother 's case was closed, the income was {$77000.00} more than the expense? 
Is the XXXX XXXX trying to make a profit on my dead mother 's money? 
For the sake of order, I will describe this terrible case XXXX more time. 
So. 
My mother had a reverse mortgage debt of {$230000.00} on XX/XX/2017. 
On XX/XX/2017, she signed a reverse mortgage loan for {$77000.00}, which she was no longer able to use and the {$77000.00} was transferred to Champion Mortgage. 
Total : {$270000.00} this is how much my mother owed on the reverse mortgage. 

Total : {$270000.00} that's how much my mother owed the reverse mortgage company. 
I am asking for your help because someone or someones made a big mistake in this case. 

Thank you. 
Best regards, XXXX XXXX
Consumer complaint received 2021-02-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NJ)

I borrowed {$10000.00} from Sallie Mae and made {$100.00} payments for approximately 12 years, which i thought repaid the loan as my student loan book was depleted. After sending what i thought was my last payment I received a notice saying due to late payments I owed an additional {$1000.00} and if I didn't send the money I would never be able to get credit as the loan would be classified as in default. I requested on information on which payments were late and how the late fees were calculated - but Sallie Mae never responded so i made the additional 10 payments of approximately {$1000.00}.
Consumer complaint received 2020-06-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION (CO)

After paying off my home loan, I reached out to the lender to request that the original promissory note that I signed at closing be marked " PAID IN FULL '' and returned to me. The person I spoke to said that she had never heard of having to return the original note to the borrower. She insisted that a mortgage release would be filed with the county and that would suffice. 

Under Finance Code Sec. 342.454, a lender is required to cancel and return to the borrower any note and/or instrument that secured the loan, specifically the promissory note. Below is the text of the law : Finance Code Sec. 342.454. RETURN OF INSTRUMENTS TO BORROWER ON REPAYMENT. Within a reasonable time after a loan is repaid in full or an open-end account is terminated according to the terms of the contract, a lender shall cancel and return to a borrower any instrument, including a note, assignment, security agreement, or mortgage that : ( 1 ) secured the loan ; and ( 2 ) does not secure another indebtedness of the borrower to the lender.

Unfortunately it has been my experience that it takes undue effort on the part of a borrower to convince a lender to return the original note. Once again, as I have in the past, I am enlisting the help of the CFPB to force the lender/servicer of my loan to return the original, wet-ink copy of the original promissory note I signed on XX/XX/2016. 

The CFPB has helped me with an identical issue with a former lender in the past ( CFPB case # XXXX ). In that case, CFPB referred my complaint to the Office of the Comptroller of the Currency, who in turn investigated my complaint and was able to force to lender to return the original promissory note to me. 

I am hoping the CFPB can do the same this time as well. Thank you.
Consumer complaint received 2020-06-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT ED Company Inquiries : US SM BUS ADMIN XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I did not authorize this company to run my credit after the loan was granted to me, I let the company know that they were violation my consumer rights and I was going to complain. They told me that they were going to take legal action they said they were going to sue me for the past due balance. I want this account closed and paid off, and I would like to be compensated for them running my credit.