davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

On XX/XX/2021 I sent a letter to XXXX, Equifax, and XXXX regarding unknown and inaccurate things on my credit report. To this day, I have only received template stall letters from Equifax, XXXX, and XXXX. I feel like I'm being taken advantage of and being ignored. 

Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove these unverifiable items from my credit report. It has been 5 months, since I notified the credit bureaus of fraudulent accounts appearing on my credit reports.These items should have been removed a long time ago. I demand these accounts be removed immediately or else I'll file for litigation due to the stress and damage to my reputation that you have caused me. 

My personal information was also impacted by the Equifax data breach, XXXX XXXX XXXX, and other companies who had their systems breached. My personal information has gotten into the hands of the wrong person. The credit bureaus keep reporting inaccurate and unverifiable information on my credit reports as being accurate. However, XXXX, Equifax, and XXXX, nor the ccompanies appearing on my credit report, have yet to send me a contract containing my signature.I have requested contracts from creditors containing my signature and have not received anything. 

XXXX sent me a letter stating they can not validate an account they previously claimed belonged to me then sold to a collection agency ( XXXX XXXX XXXX ). If they can't validate an account they claim belonged to me, nor provide me with a contract containing my signature, then, how can they sell an account that never belonged to me! 

XXXX : Accounts opened as a result of Identity Theft : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX : Account Number : XXXX XXXX XXXX XXXX XXXX Inaccurate Addresses Reported by XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiries : EQUIFAX MORTGAGE XXXX XXXX XXXX Equifax : These social security numbers are not mine : XXXX. XXXX XXXX. XXXX Inaccurate spelling of my name : My ONLY Legal name : XXXX XXXX XXXX I am not known by these names : XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX Accounts opened as a result of Identity Theft : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiries : XXXX EQUIFAX MORTGAGE SERVICES XXXX XXXX XXXX : Inaccurate spelling of my name. I have never been known by the following names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts opened as a result of Identity Theft : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2021-01-25
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: AMERICAN EXPRESS COMPANY (KS)

I am writing to AMERICAN EXPRESS ( opened XX/XX/2016 ) agency because I am having difficulties with buying a house and applying for new credit cards. I paid the charge-off and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting AMERICAN EXPRESS agency to remove this charge-off from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Consumer complaint received 2021-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (FL)

A mortgage account that I had with US Bank was closed and paid in full back in XX/XX/XXXX. Due to divorce proceedings, there was a foreclosure at this time. US Bank continues to list this account as foreclosed in XX/XX/XXXX which is completely wrong and has been negatively affecting my FICO score drastically, thus, affecting my rates on insurance and other loans costing me money. I have contacted US Bank several times, yet they refused to correct the error.
Consumer complaint received 2023-01-06
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. (VA)

On XX/XX/2022 I XXXX A XXXX on my own behalf sent a letter to each of the CRA ( Credit Reporting Agencies ) Equifax, XXXX, XXXX in regards to inaccurate and unverified accounts reporting on my consumer report. To date almost 45 days later I have not been notified either by mail or phone of the receipt of my letters. I feel like I am being taken advantage of and my disputes ignored. Section 611 ( a ) clearly states a failure to investigate any dispute in the appropriate time ( 30 days ) gives me the CONSUMER the right to request that these negative items be removed from my CONSUMER report. Well its been well over 30 days ( its been 45 ) so with that being said Im asking that these items be deleted PROMPTLY. I demand that these accounts be removed immediately or I will have no other choice then to have my lawyer file for litigation on this matter. In closing, my information was impacted by the Equifax and XXXX data breach which may have caused my information to fall into the hands of the wrong people/person ( s ).
Consumer complaint received 2021-01-25
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: ALLY FINANCIAL INC. (IL)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX, ALLY FINANCIAL, INC Inquiry : XXXX. XXXX, XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
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: AMERICAN EXPRESS COMPANY (NJ)

I contacted AMEX credit bureau dispute regarding the reporting of my personal loan. They are reporting the account as a charge off although I am paying and always have been paying. On XX/XX/XXXX I entered into an agreement with AMEX to repay the loan on modified terms. They assured me that my credit would not suffer as a result. I was affected by the COVID pandemic. I pulled my XXXX credit reports and noticed that AMEX is reporting this account as a charge off. Yesterday, XX/XX/XXXX I contacted the credit dispute department of AMEX and I was told that since we agreed to a modification of the terms due to COVID that the account is being reported as a charge off. I have never in my life heard of such a thing. I was always making payments on the account but I was also told that when less than the minimum amount is paid, they are going to report as a charge off. My understanding and the law reflects that charge offs are when a business has been unable to collect a debt and subsequently writes it off as a loss. My account is still inside AMEX within their in house collection department. I never stopped paying on the account despite being affected by COVID. I have contacted an attorney and I am told we have a case but if I pay an attorney I will not pay AMEX. My credit score went from XXXX to XXXX. I need this account to be reported as a declared disaster due to the pandemic and making payments as required. This is NOT a charge off.
Consumer complaint received 2021-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I paid off my auto loan 2 years early. Mailed $ XXXX check. A week later received payoff letter and new title in my name. Bank reported it twice one was correct paid in full. The second was wrong charge off. Dispites 3 letters over 90 days. The bank failed to correct my credit report. All three CR Agencies also failed to correct my CR.. both letter campaigns included my proof ... 

My check was good, but if it was not Bank never indicated any problem with my check, never returned my check or claimed check was bad, no collection, but continued to status it as charge off I look forward to hearing from you soon. 

Sincerely XXXX XXXX
Consumer complaint received 2022-12-19
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. (AZ)

LAST WEEK I WAS MADE AWARE OF TWO FRAUDULENT, REVOLVING CREDIT CARD ACCOUNTS BEING REPORTED ON MY CREDIT PROFILE : EXPERIAN, XXXX XXXX XXXX. I CALLED THE AGENCIES THEMSELVES MULTIPLE TIMES RE : THIS MATTER AND WAS ADVISED TO APPROACH THE CREDITOR THEMSELVES : XXXX XXXX XXXX XXXX XXXX XXXX. I FOLLOWED SAID INSTRUCTIONS TO THE TUNE OF MULTIPLE CALLS ALSO. BOTH XXXX  XXXX XXXX XXXX XXXX XXXX  CONFIRMED THAT NEITHER ACCOUNT WAS ASSOCIATED WITH MY NAME OR SSN : THEY ASSURED ME OF THAT MULTIPLE TIMES & SENT OVER DISPUTES FROM THEIR RESPECTIVE OFFICES. I THEN CALLED THE REPORTING AGENCIES TO CONFIRM RECEIPT OF THE DISPUTES AND THE RUN-AROUND HAS BEEN AN ABSOLUTE BURDEN. THE AGENTS ADDRESS ME AS IF THEY'RE THE VICTIM & FURTHER CONTEND THAT I, THE CONSUMER & VICTIM OF THE NONSENSE THEY'RE REPORTING, SHOULD BE THE ONE CONDUCTING THEIR JOB OF INFO GATHERING & VERIFICATION. THE AGENCIES HAVE A DUTY TO PROVIDE FAIR & EQUITABLE REPRESENTATION AND DUTY TO CARE FOR OUR PERSONAL INFORMATION. TO DATE THAT HAS NOT BEEN DONE. I DESERVE TO HAVE MY INFORMATION REPORTED CORRECTLY. 

FURTHERMORE, THERE ARE ADDRESSES, PHONE NUMBERS, EMPLOYMENT INFORMATION, AND HARD INQUIRIES BEING REPORTED. THERE ARE NUMEROUS ERROS AND I'VE GONE IN CIRCLES TRYING TO SIMPLY GET SOMEONE ON THE LINE THAT DOESN'T HAVE A LANGUAGE BARRIER OR IS JUST MORE INTERESTED IN THEIR TALK TRACKS AND RUSHING ME OFF THE PHONE VS. GETTING THE DISUTE CORRECT FROM THE START. ITS INCOMPETENCY AT BEST OR THEY SIMPLY DON'T CARE. EITHER WAY ITS UNACCEPTABLE.
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2021-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

I was a part of a multi-state class action lawsuit against XXXX who operates as XXXX XXXX. I was paid out for their gross negligence and was told that the problem would be resolved on my credit report, as to date, if has not. They inaccurately reported my loan as late on XXXX when the loan was paid in full in XXXX. The law suit should have resolved this matter
Consumer complaint received 2021-01-25
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. (CA)

I paid off my auto loan 2 years early. Mailed $ XXXX check. A week later received payoff letter and new title in my name. Bank reported it twice one was correct paid in full. The second was wrong charge off. Dispites 3 letters over 90 days. The bank failed to correct my credit report. All three CR Agencies also failed to correct my CR.. both letter campaigns included my proof ... 

My check was good, but if it was not Bank never indicated any problem with my check, never returned my check or claimed check was bad, no collection, but continued to status it as charge off I look forward to hearing from you soon. 

Sincerely XXXX XXXX
Consumer complaint received 2021-08-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (CA)

I have sent multiple complaints to CFPB about Wells Fargo, I am really not sure what the point is since CFPB basically allows the company you are complaining about to police themselves. Apparently we live at the mercy of major corporations who can behave in anyway they want without consequences. 

Wells Fargo ADMITTED TO ME that they made a mistake and debited my account {$1400.00} wrongfully but has YET to rectify this! Theyve been charging me fees on top of that! Its totally ridiculous and messed up. Ive tried to close my accounts but I cant until they resolve it!
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (AZ)

I XXXX have reached out to Equifax Credit several times asking them for access to my credit score and report. Equifax has put in tickets to fix this issue but Im still unable to get a updated score which is a code of violation.
Consumer complaint received 2023-02-06
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. (MI)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$900.00} ; XXXX XXXX XXXX ( XXXX Creditor : XXXX ) XXXX Balance XXXX {$1200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$3000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$130.00} ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX ; XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-01-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (DC)

I applied for the public service loan forgiveness program and was accepted. I have made on time payments since 2001 and worked for the federal government for 10 years thus making me eligible for the program. However I received a communication from Fed Loan Servicing stating that I need to make 101 more payments for the loan forgiveness to occur. I believe this is inaccurate and would like forgiveness applied to my loan now.
Consumer complaint received 2021-08-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Armada Corp. (NV)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2021-08-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: JPMORGAN CHASE & CO. (IL)

JPMCB sent an " Explanation of Calculation of the Deficiency '' and stated that on XX/XX/2019, they sold a vehicle securing an account in accordance with the " Notice of Our Plan to Sell Property '' which they stated they sent to me. JPMCB claims they repossessed a vehicle on XX/XX/2019 and I still have yet to receive any notice of repossession letter in the mail. The Illinois Vehicle Code requires that this notice of repossession/notice of redemption be mailed out.
Consumer complaint received 2023-11-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc. (MA)

I am the parent of a full-time student at XXXX University ( XXXX XXXX XXXX ) , for whom I have taken out several Parent Plus loans to help fund his 4 year education. 

He is current still a full time student at XXXX University, yet my Parent Plus Loan account ( serviced by Nelnet ) has me in active " repayment '' status - when I am entitled to deferment until at least 6 months following my son 's graduation. 

XXXX University has completed and signed the U.S. Department of Education Parent Plus Borrower Deferment Request form I prepared, but I have not been able to get Nelnet to process my Request. In the meantime, my payment due date is XX/XX/XXXX at which point I fear that Nelnet will report me 30 days late on a Parent Plus loan ( for which I am legally entitled to deferment ).
Consumer complaint received 2023-07-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Carvana Group, LLC (TX)

late on XXXX XXXX I received a call from XXXX XXXX  verification that smoeone is tryin to act as me and stealing my identity to try to obtain auto loan or auto purchase at XXXX and elsewhere including XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  or XXXX XXXX Bank and also this was filed against and still awaiting further investigation. 
They noted the fraud and I filed a police complaint and also a CFPB complaint and on one of my credit reports I see that Carvana was also inquiring and likely same attemptted fraud so I am filing this to make sure carvana will share all details of this fraud with the CFPB, any law enforcement investigators and shut this fraud down. as I never heard from Carvana at all.
Consumer complaint received 2022-05-04
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 302 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.