davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

I recently reviewed my credit report and found a lot of inaccuracies. I am promised maximum accuracy in my credit report. according to 15 USC 1681 EB and 15 USC 1681 S 2a if accounts are not verifiable and account not accurate this must be removed immediately.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-10-18
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (DC)

15 usc 1692 If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt,
Consumer complaint received 2018-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2018 I attempted to access Bank of America 's ( BofA 's ) online banking as usual, but I was presented with a modal dialog about whether I wanted to receive legal notices by mail. The dialog could not be dismissed or cancelled. 

I had previously informed BofA numerous times that I wanted to continue receiving statements and legal notices by mail. 

In large bold text was the button " Save my choices ''. Above it, a checkbox for my " Bank of America Cash Rewards Visa '' card was pre-checked. I had already chosen to receive notices on paper, so I had initially assumed that " Save my choices '' referred to once again confirming and saving my choices. 

After pausing to read more carefully, I learned that BofA was trying to deceive me into clicking through so I could continue with my online banking activities, which would have inadvertently caused me to lose access to paper statements. Those were not my choices at all. Those were BofA 's choices. 

BofA 's behavior here was deceptive and inappropriate. BofA could have named the button non-deceptively, for example : " Stop receiving statements by mail '' or " Accept our suggestions ''. 

Bank of America 's particular choice of language, " Save my choices '', was intended to deceive consumers and cause them to change the manner in which they would receive legal notices.
Consumer complaint received 2018-06-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

This is a followup for complaint XXXX. Upon making 1 phone call to my previous mortgage holder, i found out that the money was sitting in a corporate advance account. If XXXX XXXX had done this, they would not have erroneously sent me their nonsense letter trying to scam extra money out of me. I see from their " response '' that they have mis-applied my XX/XX/XXXX payment to XX/XX/XXXX, as well. This needs to be corrected ASAP. I have attached all relevant documents. I expect them to come correct, and to apologize.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX, a dispute was submitted to XXXX on behalf of XXXX Bank, XXXX bank XXXX and XXXX XXXX Bank. The Dispute disclosed the evidence needed to validate that the Debt that is reported to being to XXXX  BANK, XXXX BANK XXXX AND XXXX XXXX BANK in fact does not belong to those credit agencies as they have been sold to another company and paid. 

XXXX BANK account ending in XXXX was sold to XXXX XXXX XXXX XXXX ( XXXX File Number XXXX ) Final payment was resolution payment was received XX/XX/XXXX. 

XXXX BANK XXXX account ending XXXX was sold to XXXX XXXX XXXX XXXX and final resolution payment was received XX/XX/XXXX. 

XXXX XXXX Bank was sold to XXXX XXXX XXXX. 

by XXXX agreeing to publish the inaccuracy of the account information on my credit report, they too are violating the FCRA statue.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Credit Report Dispute Letter Dear Equifax, I XXXX XXXX have written this letter to dispute claims that are falsely listed on my credit report with your bureau. 

XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-30
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)

On XX/XX/year> XXXX Requested a copy of my Credit Report to open an account & was done w/o my permission & consent. I asked them to remove the Hard Inquiry because it was Fraudulently obtained with a Fraud Alert on my Report stating not to release my Credit Report w/o my consent or permission, but they did it anyway & w/o my consent & permission & cant get them to remove the Hard Inquiry because the Company want report it as fraudulent even tho they already stated a prior request was fraudulently obtained. All I want is the Hard Inquiry removed that I never requested to be done & was obtained w/o my permission or consent & this has been going on over 9 months & had no problem w/the companies removing any other inquiries because they determined it was obtained Fraudulently & Without my knowledge. Please help me get this Hard Inquiry removed because its messing up my credit & my score preventing me from obtaining a home loan & credit line increases on credit cards I actually obtained a few years ago! Please help me get this Hard Inquiry removed, so I can get my credit straight! Thank You So Much for any & all of your help! I only want my Hard Inquiry removed!
Consumer complaint received 2018-06-12
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: ACS Education Services (FL)

All my Federal student loans were officially discharged last year, due to XXXX XXXX XXXX XXXX. My student loan servicer ACS/Conduent reported to the credit agencies, I filed for Chapter XXXX bankruptcy. I subscribe to credit monitoring, which alerted me to the changes in my credit. I immediately disputed the information, as I have never filed for any bankruptcy. A few weeks later, ACS confirmed with the credit agencies I had indeed filed for bankruptcy. 
I put in another dispute today, but the credit agencies say my ACS can just confirm the information is correct and start the cycle over. I have spoken with Conduent today, twice. The first woman wanted me to send in my credit report to them for them to do anything. The second woman gave me an email address to send in my information and complaint, while I wait 48 to 72 hours for a supervisor to contact me.

I wasted over three hours of my time today on the phone, trying to get this resolved.

In the mean time, my credit score continues to plummet, due to their error and this company is servicing Federal loans.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I am writing to formally request the blocking and deletion of certain fraudulent accounts and credit inquiries from my credit report. I am a victim of identity theft, and these entries are not authorized by me. Under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c 2 ( a ), I request immediate removal of the following items : Fraudulent Accounts XXXX. XXXX XXXX - Account ending in XXXX o Opened : XX/XX/XXXX o Balance : {$1000.00} XXXX. XXXX XXXX XXXX - Account ending in XXXX o Opened : XX/XX/XXXX o Balance : {$650.00} Fraudulent Inquiries XXXX XXXX XXXX o Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2017-10-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NY)

My checking and savings accounts were both hacked. Almost {$320000.00}. was taken. 
Citibank has promised to return the funds but has not, except for {$20000.00}. 
Checking Account # XXXX - {$160000.00}. 
XXXX Account # XXXX - {$160000.00}.
Consumer complaint received 2017-10-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (NJ)

In XX/XX/XXXX I refinanced my mortgage to save XXXX a month.Since then my life has changed because of an escrow shortage that occurred during the transaction with the title agency that failed to pay a quarterly period of my taxes for the approx. amount of XXXX. This particular loan was originated among many other Companies that handled this predatory loan and was not discovered from me until 6 months after the cycle period came due to me during the process with 3 other banks at that time. At this time my lender Freedom Mortgage has this loan and was supposed to help me by going into a forebarence plan and then getting a loan modification to reduce my monthly payments, because my payments had increased from this misfortune for me. I have been on this plan since XX/XX/XXXX and now being told that the loan modification may not save me money. I have already had 2 so called " point of contacts '' and am becoming very skeptical as this is becoming more serious for me now almost 3 years later..I am making many attempts to resolve issues and have became disabled from the stress, bankrupt and on food stamps. I actually ran out of computer supplies and offered to travel to an office in NJ to complete any paperwork ... I really do not like to complain or get worked up but I desperately need some kind of advice or help from a reliable source. I also did even make an attempt last year to avoid this matter but ended up losing my second home since the cost of a lawyer 's fee would have been beyond reasonable. And I will be damned if this causes me to lose my primary residence. I was recently referred to a company who asked me for money to modify my loan and raised a series of red flags for me and did n't seem like relief programs to me and it seems there is no relief. I can no longer keep up with explaining the hardship something like this can cause and being unable to walk long distances to even fight for my rights has become difficult so if anyone does read this I am only seeking proper relief and the correct source to help take actions.
Consumer complaint received 2018-06-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (AZ)

XXXXXXXX XXXX began contacting me in XXXX. Sending me dozens of statements and collections. I was unable to make payments due to decreased earning. Once I became stable I was notified that they tacked on a 16 % increase in the debt that was not reflected on the statement. And when I asked they stated that it was just the way it was and that I had agreed to it in my contract and there was nothing I could do. When I requested to begin making payments I was made aware that the interest was greater than what I could pay. When I asked settle or arrange a payment plan that I could handle I was told that they would not work with me. And that my credit would continue to be affected for at least 27 months before they would consider settling.
Consumer complaint received 2018-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I am a victim of identity theft at one point there were addresses listed on my Credit Bureau reports from XXXX, XXXX XXXX, XXXX  and multiple addresses here in XXXX where I live I reported the fraud to the FTC I file police reports and in addition to that there were fraud alerts added to all of the three major credit bureaus the other Banks all acknowledge the fraudulent activity and have removed the fraudulent accounts from my credit report but for some reason Bank of America is still standing by their their decision that this is a legitimate account please show me some proof so far you've not provided any proof guess an account was opened yes it was used but not by me and of course the information is similar this is why it's called identity theft if the information didn't match mine it wouldn't be called identity theft please explain your point of view you keep telling me that you have validated the account because the information matches of course it does this is the problem.
Consumer complaint received 2018-06-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (KY)

I purchased a pair of men 's dress pants at XXXX 's department store on XX/XX/XXXX. On XX/XX/XXXX, I made an even exchange for one pair and returned one pair. Due to a mistake at the register I did not receive credit at the register for the pair that I returned. I called the store when I discovered the mistake. The store manager, XXXX at Mall XXXX XXXX in XXXX, KY performed a store audit and found the mistake. She promised me a credit to my store credit card for the dress pants. Several months passed and the credit card company Wells Fargo refuses to refund my monies stating that there is no receipt for the transaction. Of course, there is not a receipt. The mistake was made at the register. Wells Fargo must go back to the store audit and the store manager to find the mistake and acknowledge it. XXXX refuses to speak to Wells Fargo and Wells Fargo refuses to speak to XXXX. Of course, I don't have a receipt. I knew this the moment I realized there was a problem on XX/XX/XXXX. That's why the store audit was conducted and the mistake acknowledge by the store. Well 's Fargo refusing to communicated with the store on this point is equivalent to theft. I have received no less than three letters telling me I do not have a receipt. This is silly and wrong. I can provide copies of the letters, but I can not provide copies of a receipt when the mistake was made at the register. The store audit should be proof enough.
Consumer complaint received 2018-06-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (GA)

The debt was sold to collection agencies. The debt was paid to XXXX and XXXX XXXX XXXX. 

The debt is still reflecting negatively as XXXX  and XXXX on my credit reports.

It is still being reflected in my collections section on my credit reports.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MN)

I have eight student loans that were serviced by XXXX and were processed for loan forgiveness in XX/XX/year>. The loans were all forgiven, effective XX/XX/year> pursuant to the XXXX XXXX. On my XXXX account as well as my studentaid.gov account, all of my loans reflect a balance of {$0.00}. However, on my credit report all of the loans are still listed as open accounts showing a combined balance over {$160000.00}. The details for each loan indicate that XXXX has not sent updated information regarding the loans to credit agencies since XX/XX/year>. I tried to contact XXXX about this without success, and I disputed the information directly with the credit agencies but received a response that no changes would be made and that the disputed information was " verified as accurate. '' It's been almost three months since the loans were forgiven, and I am simply trying to get that updated on my credit report.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OK)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : credit inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX late payment XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX personal information : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX PA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, PA XXXX Previous Address ( es ) : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, OK XXXX Employers : XXXX XXXXXXXX XXXX : XXXX XXXX XXXXXXXX XXXX : XXXX XXXX
Consumer complaint received 2024-10-30
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 was shocked this morning to see incorrect accounts on my credit report with no explanation. I check my report regularly, but this time, unexpected discrepancies appeared out of nowhere. I even refreshed my browser to see if it might be a glitch, but the errors remained. Given this issue, I'm requesting a thorough review of the documents Ive submitted so I can finally stop worrying about this happening again.
Consumer complaint received 2024-10-30
Product: Credit reporting 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. (TX)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The discrepancies on my credit report are seriously holding back my financial freedom. Every time I apply for new credit, I get denied because of these errors. It's incredibly frustrating to feel like my rights as a consumer are being ignored.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

PLEASE BLOCK AND REMOVE I urge you to take immediate action to remove these unauthorized accounts from my credit report. Their presence is distressing, and I did not approve them. Please address this without delay.