davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GUARANTEED RATE INC. (MN)

Guarantee Rate : Regarding Loan # XXXX I called your customer service department on XX/XX/XXXX and spoke with customer service rep XXXX, who recommend me sending a e-mail response. She also put in a request to review this matter. 

I am writing to ask you to removed the credit delinquency hit on my credit score for the month of XX/XX/XXXX. 

In XX/XX/XXXX, I was no longer safe in my home on XXXX XXXX XXXX XXXX XXXX MN XXXX because of my husband XXXX  use disorder. I contacted law enforcement to have him removed from the home, but since we were married they could not assist me. He refused to leave the home and refused to pay the mortgage. I immediately filed for a divorce, and I had no other choice but to leave the property and move into a rental because I had no family to stay with. I am XXXX generation only child and all of my immediate family is deceased. 

I kept you informed of this situation as much as possible. I was granted a divorce by XXXX XXXX Courts on XX/XX/XXXX and quickly put house for sale. 

The house was sold on XX/XX/XXXX where you received full loan payment, and we avoided a foreclosure proceedings. Because of this situation my credit score has take significant hit, making it impossible for me to be pre-approved for another mortgage and forcing me to live in a sub-standard apartment. 

I am asking sincerely for you to remove the credit delinquency hit on my credit score for the month of XX/XX/XXXX, since you received complete payoff of the loan on XX/XX/XXXX. 

I have attached for your records a copy of the satisfaction of pay off of loan you sent me for your reference. 

These XXXX missed mortgage payment is the only thing on my credit report preventing me from being able to buy another home, and prior to this situation I had excellent credit history. 

Please let me know if you would like to see any additional information regarding my divorce proceeding and the timing of this situation. 

I am hoping we can work out a solution quickly that can improve my credit score immediately. 

Sincerely XXXX XXXX
Consumer complaint received 2024-10-25
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. (FL)

Subject : Dispute of Unauthorized Credit Inquiries To Whom It May Concern at the Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against Equifax regarding unauthorized credit inquiries that have appeared on my credit report. After reviewing my recent report, I identified several inquiries that I did not authorize and have no knowledge of. Despite contacting Equifax to resolve this matter, these inquiries remain on my report, causing significant frustration. The unauthorized inquiries in question are as follows : Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Attached to this complaint is an Identity Theft Report filed with the Federal Trade Commission ( FTC ). This report, along with the corresponding case number, supports my claim regarding the unauthorized credit inquiries on my credit report. I kindly request that the necessary steps be taken to address this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 
I appreciate your prompt attention and review of this document as part of the investigation. I believe Equifax has violated the Fair Credit Reporting Act ( FCRA ) by failing to properly investigate and remove these inquiries from my credit report, even after I brought the issue to their attention. 
The sections of the FCRA that support my claim are : Section 611 ( 15 U.S.C. 1681i ), which outlines my right to dispute inaccurate or incomplete information. I have disputed these inquiries, but Equifax has not conducted a satisfactory investigation. Section 609 ( 15 U.S.C. 1681g ), which grants me the right to access my file. Upon reviewing this information, I confirmed that I never authorized these inquiries. 
Section 604 ( 15 U.S.C. 1681b ), which details the permissible purposes for credit report inquiries. I did not give consent for these inquiries, and Equifax has not provided evidence of a valid reason for them. Despite my efforts to resolve this directly with Equifax, these unauthorized inquiries continue to negatively impact my credit report. I request that the CFPB intervene to ensure Equifax fulfills its legal obligations under the FCRA by removing the unauthorized inquiries and providing me with an updated credit report. I appreciate your prompt attention to this matter, and I am happy to provide any additional information needed for your investigation. 
Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number XXXX, which is enclosed with this correspondence.
Consumer complaint received 2024-10-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

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 2023-01-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have been disputing this account with Bank Of America from my credit report for some time now. I have sent them a letter requesting validation of this debt and sufficient proof on how they gathered that this account belongs to me and have never received a response back. Here is the tracking XXXX XXXX XXXX XXXX XXXX. The tracking proves that they received my dispute but never responded. It is illegal for them to report inaccurate information let alone any accounts on a consumers report without providing valid proof that the account belongs to them. It is also illegal to ignore a dispute request per the consumer laws. I demand that this account is deleted from my credit reports now!
Consumer complaint received 2021-07-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (TX)

I have bought and sold cryptocurrencies through Coinbase for over a year. I often noticed that the portfolio total value that they reported for a given moment, was often {$2000.00} below what their own prices were listed at. I complained three times and their response was always the same -- '' After reviewing your case, we've alerted a specialist to address your issue properly. We're currently receiving a high number of requests so reviews may take longer than usual. We understand the importance of this issue, and our team is working hard to get to your case. We will update you as soon as we can. '' Each time, months passed and they never got back to me. On XX/XX/2021, I sold the three cryptocurrencies that I owned, and after they sent me an e-mail receipt that included the deductions for their commissions, the total amount I received from Coinbase was over {$2000.00} less than what the cryptos were selling for at that moment, and they did not change considerably during the rest of that day. I have the details of what I sold on XX/XX/2021, how much the coins were worth at that moment, and how much I received from Coinbase. Obviously, the fact that each time I contacted Coinbase they admitted that they were receiving a " high number of requests '' is a good indicator that many others were also complaining about their shady dealings. XXXX XXXX
Consumer complaint received 2024-10-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items.
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

53rd Bank places false charges on the account that where not paid to the vendor. Requested receipt the vendor closed the account because it was not paid. Both where sending request for payments. Asked for itemized payment 53rd closed the account. Received another request in 53rd Bank behalf from XXXX XXXX XXXX XXXXXXXX XXXX. OH XXXX requesting {$650.00}. This is fraud and financial bullying scam.
Consumer complaint received 2019-04-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (MN)

I went to the Minnesota XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX program. I enrolled inXX/XX/XXXX with the goals of becoming a probation officer. This school got shut down for fraud in XX/XX/XXXX, only 4 months from when I was to graduate with my XXXX. With this closure, students back to XX/XX/XXXX are being hurt. Since, I have student loans through two different companies, one of which I am referring to here. After my school closed for fraud, I had been in contact with my loan companies. I have two, a federal and private loan. I am referring to the federal loan here, which I am currently on a postponed payment status with, only until XX/XX/XXXX of this year. I talked to this borrower ( Nelnet ) about what to do with my loans being I am unable to use any of my schooling, but yet required to continue paying. My response after I applied for loan forgiveness was that I do not qualify. The problem is, I qualify for all of Nelnets requirements of loan forgiveness. The school ( XXXX ) is getting away with saying I " withdrew '' from the campus, when I was actually forced to quit without a transfer option. The school canceled my program quite a while before the closure came about. Because the school is saying I " withdrew '' due to their main campus being open for some days after my campus, the loan company is saying I do not qualify due to this statement. The fact is that I was forced to quit because the whole XXXX program of XXXX was canceled and the only " articulation agreement '' with another school was not what it was said out to be. Therefore I had no transfer option, even to a different campus. On top of all this, what I originally went to school for was never a valid program to begin with. I can not even use my general classes in future schooling due to it being a complete fraudulent program. I am writing in last attempts. I testified in front of the Minnesota house today on this subject, as a result was told to contact this reference. Im XXXX, was supposed to graduate with a XXXX in XXXX XXXX around 2 years ago. Instead, I am {$50000.00} in debt with a credit score that dropped over 300 points and there is nothing I can do about it. I am working in a XXXX and XXXX XXXX. Not only am I trying to pay my regular life bills, I am trying to pay on something I have no choice about when I can not use any of the time spent in school. Even had I graduated, I would have never been able to use my degree due to it being a fraudulent program. I am not sure who else to go to after this. Please, Please help.
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

Equifax continues too say that the inquires are factual and will remain for XXXX years but does now show how and when it was investigated. 
Please provide written proof that these inquiries were mine. If not please DELETE as I did not authorize them. I also contacted the companies and was told too contact Equifax for removal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX AND EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of charge off, inquiries and collection accounts from XXXX with a balance of {$300.00} account # XXXX, XXXX XXXX XXXX  XXXX with a balance of {$4500.00} account # XXXX, XXXX  account system with a balance of {$250.00}, XXXX XXXX XXXX with a balance of {$300.00} account # XXXX, XXXX XXXX XXXX with a balance of {$250.00}. inquiries- XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX. 



These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to express my frustration and concern over the incorrect information that has been reported on my credit file. I want to make it abundantly clear that the items listed on the following pages do not pertain to any transactions I have made. It appears that someone, or some entity, has unlawfully used my personal identifying information to obtain goods, services, or money without my authorization, resulting in these erroneous entries on my credit report. I have taken the appropriate steps to address this issue. I filed a formal report with the Federal Trade Commission, which is attached to this letter, and have been in contact with the relevant agencies and creditors, who have been cooperative and guided me to this point. I understand the gravity of my request, and I want to emphasize that this is not being made in error or with any intent to deceive. I declare under penalty of perjury, under the laws of the United States, that the statements made herein are true and correct to the best of my knowledge. I am fully aware that any knowing and willful misrepresentation of material facts is a federal criminal offense, punishable under 18 U.S.C. 1001.

Additionally, such misstatements are also punishable as perjury under 18 U.S.C.

1621. 

Despite my efforts to file a police report, I was informed by my county that, without specific information on the individual or entity responsible for this identity theft, they would not file the report. This has left me in a difficult position, but I am determined to clear my name and correct my credit file. I appreciate your time and attention to this matter and trust that you will take the necessary actions to rectify these inaccuracies. For security purposes, I have included a copy of my identification on a separate page. 

EVERY ADDRESS BELOW IS TOTALLY 100 % INACCURATE .... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (FL)

I have a loan with SYNCB/AMAZON PLCC and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called SYNCB/AMAZON PLCC and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX and SYNCB/AMAZON PLCC with no successful resolution. XXXX reporting me having late payments. There was an error on their part. I was never late.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I am writing to express my deep frustration and concern regarding the persistent inaccuracies in my credit report. This marks my XXXX complaint about the reporting of incorrect personal information, and I am frankly baffled by the continued presence of these errors. 
The most alarming issue is the multiple variations of my address being reported. This is not only confusing but also deeply embarrassing for me. I want to emphasize that I have consistently provided you with my correct and legal personal information. 
I am formally requesting the immediate deletion of the following incorrect information from my credit report : Employers : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Phone Number : XXXX Addresses : XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX These entries are entirely inaccurate and have no place in my credit report. I urge you to remove this incorrect information as swiftly as possible. I am gravely concerned about the potential harm this may cause to my future prospects with employers and creditors who may review my credit report. 
The current state of my report paints a misleading picture, suggesting that I have simultaneously resided at XXXX different locations, with various phone numbers and employers. This gross misrepresentation of my personal history is unacceptable and potentially damaging to my reputation and financial opportunities. 
To facilitate the correction process, I have enclosed copies of my current Driver 's License, Social Security card, and a recent Utility Bill. These documents serve as proof of my identity and provide the correct information that should be reflected in my credit report. 
I expect this matter to be addressed promptly and thoroughly. The repeated need for corrections is not only frustrating but also raises serious questions about your data management practices. I reserve the right to pursue further action if these inaccuracies are not rectified in a timely manner. 
Thank you for your immediate attention to this critical matter. I look forward to receiving confirmation that these errors have been corrected and that my credit report now accurately reflects my personal information.
Consumer complaint received 2020-07-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

We entered into a repayment plan with Seterus in XX/XX/XXXX. We paid {$2500.00} at the time and then paid higher payments for the duration of the 18 month agreement. This agreement ended with the XX/XX/XXXX payment. As soon as I paid that, Mr. Cooper began the Preforeclosure process, claiming we were in default. I IMMEDIATELY contacted them and asked how we can be in default status when we completed the repayment plan as agreed. At this time, I checked our mortgage statements more closely and saw that they also have been charging us late fees and some other type of fee this entire time saying the payment was late every month. Additionally, oddly enough, the original amount they said we were behind was {$2500.00}. I have asked on multiple occasions for them to explain how we can be in Default. I've asked to see the assignment that gives them ownership of the note ( it has never been recorded here in XXXX ). I've asked them to review the original repayment plan with Seterus ( they can't find it ). Logic would dictate that if we weren't in default for the entire time since beginning with them, then we wouldn't suddenly be in default at the end of a repayment plan meant to cure a default. They have yet to provide an accounting as to the original {$2500.00}, why we're getting charged late fees, and how we're in default status.