davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-31
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. (SC)

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Consumer complaint received 2022-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion, XXXX, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-24
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. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-08-20
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (GA)

During 2020 I applied for mortgage forbearance, I was originally with the company Nationstar who was given to my mortgage by XXXX. 

I was impacted by XXXX and used the protection to stop payments for 12 months, at that time I chose to take advantage of the veterans option to have a loan modification process that would allow me to put those payments at the end of my current loan. 

It was initially processed through Nationstar and I received a notification that I would be receding documentation and mail that would describe the process and became the information about the change to the loan. 

No documentation was ever sent to my address, no documentation was sent to my e-mail, no documentation was sent to my XXXX account. 

Months later I checked my accounts and found that not only had they not applied the covid 19 relief, but that they were now rejecting the original application due to non-payment. 

During this time I had received no contact with them regarding the status and not a single document showing that there were any issues. 

Their website clearly stated that I did not need to do anything and that I would receive paperwork in the mail about the next steps. 

No paperwork has ever been received. 

I spoke to another representative at Nationstar at that time and explained the issues I had with the online process. That rep explained that they would re-initiate the process and allow me to make a payment to get up to date. 

I confirmed that I would receive another callback from the rep and that I would receive paperwork in the mail detailing the process and forbearance program that was applied. 
None of that has occurred. 

The company Mr. Cooper was then passed my loan. 

I have explained the same situation to Mr. Coopers representatives. 

Nothing has been done on my loan from Mr. Cooper either. 

I have no documentation showing that I have received approval for COVID-19 relief from them, or that they have contacted the previous company to confirm that I was eligible and approved. 

Their representatives have stated they would be checking on this and have failed to provide any updates since. 

I was originally told I had 50 days until foreclosure and it has already been 20 days. 

I can not wait any longer and am looking for legal assistance in getting the loan cleared.
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 — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX REPORTING 30 DAY LATE ON ACCOUNT THAT ONLY CHANGED STATUS, FROM DEFERMENT TO FOREBEARANCE, INACCURATE ACCOUNT STATUS. LOAN WAS NOT 30DAYS LATE. ACCOUNT STATUS CHANGED. I FILLED OUT MULTIPLE FORMS, MADE SEVERAL PHONE CALLS, INFORMATION IS STILL REPORTING INCORRECTLY.
Consumer complaint received 2022-07-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (OH)

I was paid {$95.00} from a customer they put the payment on hold. He called in asking why they because my account was new. So they informed him to tell me to refund the money and he would get his money back immediately so we did that and they put that on hold also after the representative told us it wouldnt be a hold. Because of that he sent another payment which they also put on hold. We called complaining so they released 1 of the payments to me. So there was still the other XXXX on hold. My customers called in needing his XXXX back that was on hold. They took almost about 2 months to refund him but when they refunded him but instead of them taking the XXXX they had on hold from his credit card they tried taking it as an echeck from my XXXX  which I didnt give them permission to do. They couldnt get it from XXXX  because I had nothing in the bank they have negatived my PayPal account and now is threatening to report it to collections when they have the {$95.00}
Consumer complaint received 2024-10-31
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. (CA)

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency cannotfurnish 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 ) ( a ) 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. 

Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (NV)

In XX/XX/XXXX Equifax had a data breach and my personal private information was compromised. 
On XXXX I asked an Equifax representative how I could lock my credit report. I was told that I had to buy an Equifax product and then pay to add on the credit lock feature. I purchased the Credit Watch Gold and the Equifax Credit Report Control products per the rep. 
I later signed up to receive the 1 year free credit monitoring that Equifax offered before XX/XX/XXXX. 
I never received the free monitoring I signed up for. I thought my account was being credited and that the 1yr free credit monitoring applied to my account. 
I recently discovered billing records that show Equifax continued to charge me for monitoring during the breach. From XXXX until XXXX Equifax charged me {$170.00} for services during the data breach. 
My information was compromised, I did not receive the service they publicly said they would provide to consumers and Equifax told me I had to pay for credit monitoring and the lock feature even though they knew my information had been compromised in their system.
Consumer complaint received 2024-10-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (UNITED STATES MINOR OUTLYING ISLANDS)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-10-31
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. (SC)

Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 
Account Information : Creditor 's Name : XXXX XXXXXXXX XXXX Account Number : XXXX Date of Late XXXX Nature of Complaint : On XX/XX/year>, I submitted a dispute to Equifax disputing a late payment reported by Equifax. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : I have never made a late payment to this company.

I finished paying my loan in full. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 
Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 
Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IN)

XXXX, XXXX and Equifax stated i have a bankruptcy on my credit report and they said they verified my information through lexisnexus but the attached letter confirms I should not have a Bankruptcy on any credit reports since they cant confirm this information is valid. It needs to be removed immediately.
Consumer complaint received 2021-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (IA)

Around XXXX XXXX, I received a letter from Chase JP Morgan Chase Bank, N.A., indicating that they approved my recent application for a new Southwest Airlines Visa Platinum account. I have never, currently or recently had or requested a Southwest Airlines Visa Platinum card. In the letter, they go on to state in order to approve my request, they have made adjustments to my other accounts. The letter goes on to state why they adjusted my accounts, and how. The letter then advises me what to do in the event my accounts were closed, and information regarding my reward activity. 

During the week of XX/XX/XXXX, I received an envelope containing the following : *2 Southwest rewards Visa cards. *Undated Rapid Rewards Plus Rewards Program Agreement and welcome letter *Card holder agreement rates and fees table *Information from Chase ( Rev. XXXX ) regarding sharing personal information. 
*Pamphlet Welcome to Chase XXXX Your card member agreement *Pamphlet : Guide to Benefits. Effective XX/XX/XXXX In regards to the credit cards which I did not request, they were printed with my name on one of the cards, and a XXXX XXXX on the other. I do not know a XXXX XXXX, but on XXXX  him, I noticed a XXXX XXXX who could be in my age range and passed away in XXXX. 

When my father passed away, I had inherited an Annuity from XXXX XXXX. While we have since moved these funds from XXXX XXXX, earlier this year we received a letter stating that they had a security breach during the tenure of our account. As a result we were advised to take advantage of free security services. While I had some reservations, I did share my personal information with the security service. I am currently looking for my documentation for this service.
Consumer complaint received 2022-04-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (IL)

We would like a loan modification we can afford. The servicer is giving an interest rate of 4.625 % which increased from the original 4.5 % interest rate. 
We would like to exceed the 25 percent Principal and Interest reduction because we can not afford the payment. 
Handbook 4000.1 III.A.2.o.iii ( C ) ( 1 ) and ( 2 ) at : https : //www.hud.gov/program_offices/administration/hudclips/handbooks/hsgh
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I recently checked my credit report and noticed that some inaccurate accounts reporting. I submitted a dispute, and nothing has been resolved. I contacted the companies to request these inaccuracies be removed and did not get any response. I requested that these companies provide me proof that these accounts belong to me but no response. I've been working on this issue starting XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Consumer complaint received 2022-07-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

Me and my mother was give some information from a family friend that said they were going through a similar situation and they had a Second chance company that helped them named XXXX XXXX.I was provided the contact information for XXXX XXXX 

On XX/XX/XXXX I have reached out to XXXX XXXX and spoke to a representative named XXXX. I informed XXXX about me and my mother 's issues with finding apartments that we can get approved for, due to our credit issues. He assured me that he could assist, he discussed payment and what to expect. XXXX told me that their company would be the guarantor of the contract for whatever apartment I choose. 
I talked this over with my mom and we agreed to send the money. I talked to XXXX and filled out of a form of where me and my would like to be located with the needed amenities. He gave me all of the avaliable Payment methods. We figured XXXX would be the best option. I gave XXXX {$600.00} XXXX, to the XXXX account. XXXX told me that he would send an Apartment list with what is needed, with the XXXX XXXX to me, so we can go visit the apartments within 48 Hours. 

I have yet to receive an Apartment list. I have tried reaching out to XXXX and I haven't not a received a response thus far. 

On XX/XX/XXXX I reached out to Chase to see if someone could assist. I spoke to a representative who stated that I would have to speak to XXXX regarding the manner ; and I was transferrred over. I spoke to another representative, who stated since I willingly sent the money to the merchant ; they could not do anything. I asked to be transferred back to the previous department. However, the representative stated that there was not much more Chase could do either. 

Also, I requested my money back from XXXX XXXX and it was rejected. 

I have not received the services that I have paid for and I would just like my money back at this point.
Consumer complaint received 2023-02-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CO)

I have worked for a XXXX XXXX XXXX for 20 years. I have been paying student loans since XXXX. 

XX/XX/XXXX I filed a complaint to recount my student loan payments. I was missing payment history from XXXX. I sent them my payment history going back to XXXX. I contacted the loan servicer and they told me to request a recount. 

XXXX XXXX replied and said they received my request. 

XX/XX/XXXX I received a letter stating my loans were forgiven and I had 120 payment. I was still missing 61 payments from XXXX. 

XX/XX/XXXX I received a letter that my loans were recounted and those changes were made to my Mohela account. I called Mohela and they have no record of changes. They told me to wait a few months. This is unacceptable. I have been waiting for over a year for my information to be corrected and continue to get passed back and forth between Mohela and the Department of Education who can not give me an answer. 

XX/XX/XXXX I called the Ombudsman. They told me those 5 years should be added and I should just keep waiting.
Consumer complaint received 2022-07-04
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. (IL)

THIS ACCOUNT HAS VIOLATED MY RIGHTS ( ( XXXX XXXX ) XXXX U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) XXXX 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 XXXX years. 

15 U.S.C. 1681XXXX XXXX XXXX XXXX XXXX XXXX ) 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 2022-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX