davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-28
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)

In XX/XX/year>, I experienced an issue with XXXX XXXX XXXX involving an amount of {$1700.00}. I noticed a problem with this transaction and took action by filing a complaint. Despite this, the issue remains unresolved, and I have not received a satisfactory response or solution from the company.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TN)

I am reaching out to formally dispute the inclusion of a bankruptcy on my credit report, as this entry is inaccurate. I have a letter directly from the court that clearly confirms this bankruptcy should not have been reported to your agency or reflected on my credit report. Despite this official documentation, the bankruptcy still appears on my record, which is both alarming and unjustified. Additionally, the involvement of an unauthorized third party in this matter further complicates the situation and raises concerns about the accuracy and security of my personal information. This makes the issue even more serious, as it not only reflects an error in reporting but also a breach of trust regarding the handling of my sensitive data.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2021-03-24
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Williams & Fudge, Inc (TN)

I recently submitted a claim against an outsourcing company called XXXX. They responded to my original complaint today stating they outsourced this debt to different collection agencies. Spoke with XXXX  Recovery and Williams & Fudge and are aware that I have spoke with XXXX  XXXX  regarding identity theft. They suggested I report identy theft to the FTC ( which I did ) so all communication would stop regarding this debt. They also stated and I quote " Nonetheless, as XXXX XXXX continues to alleged that this account was fraudulently opened, we have recalled her account from Williams & Fudge and have placed it in a " FRAUD-PENDING '' status. '' I just received an email now from Williams & Fudge with instructions to clear the debt. Obviously XXXX did not do as they said they would.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I have unauthorized inquiries showing on my cresit report. According to the Fair Credit Reporr Act ( FCRA ), I expect these inquiries to be removed within 4 business days.

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-28
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)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2016-09-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Dream Center Education Holdings (MI)

I 'm currently in debt {$15000.00} from a school who said they were all for my best interest but resulted in a pure scam. I was introduced to this school my XXXX. I went through all the steps of admissions and finally came the part when they took advantage of me financially. I was asked a series of questions about my financial background and my mothers background. When they found out I was poverty stricken they told my mother that since she had bad credit all she had to do was apply, she would get denied and when that happened I would be eligible for more money to further my education with the Art Institute. That 's exactly what happened she was denied and when the school saw how much I was eligible for they kept pushing for me to take out the maximum amount. Before I left my home state I was notified that I had a new financial advisor and that we would have to start the whole process all over again which means they would run my mothers credit again just to get denied and make her credit score horrible again. I started my 9 hour journey to Minnesota to start college and met with a man I never spoke with until that day. He put all these papers in front of me to sign. He told me that they were just the codes and conduct for the school and a few rules that I had to abide by. So I was a naive XXXX year old excited to be starting school in a different state, I just start to sign my life away not knowing what the consequences will be like later down the road. The whole time im being encouraged and rooted on by someone who 's supposed to be in the best interest for me financial wise. The semester progressed and I did n't hear anything from my financial advisor until the last week of the semester when it was time for student to start taking out money for the next semester. He told me I had to take out an additional {$4000.00} to cover the remaining fees and cost that were owed. I felt a little unsure because when I filled out my fafsa it grants me funds for fall, winter and summer semesters. The financial advisor tried to comfort me and just say that there was just a small amount of fees that I had left over and i 'd be all set for the remainder of the year. There I was again thinking that he knew what he was talking about and signed a way. After a year of pressure and constant reminders that it was in my best interest to take out multiple loans I was on the verge of XXXX and I had to move back home due to the constant pressures. Many years later I take a look at my credit report and to my surprise there was a amount of {$15000.00} that I was not aware of listed on my credit report. I 'm seeking any kind of help as well as loan forgiveness because I was not aware of any of amounts of money that I was being charged. The school I attended was The Arts Institute-International Minnesota.
Consumer complaint received 2019-10-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IL)

I am writing this complaint over concerns that FedLoan Servicing has inadequately managed my student loans. I have had an account with this servicer since XX/XX/XXXX when two Direct Consolidated ( one Subsidized & one Unsubsidized ) Loans were dispersed. 

I have been making on time monthly payments to my lender in hopes of qualifying for Public Service Loan Forgiveness ( PSLF ). This program allows those working for non-profit organizations to receive complete loan forgiveness after 120 monthly payments under a qualifying income-based repayment plan. As a way to track progress, I am obligated to submit employment certification forms to FedLoan which confirms my eligibility and shows my time remaining in the program. Previously, I had received a letter directly from FedLoan Servicing indicating thetotal PSLF qualifying payments I made from XX/XX/XXXX until XX/XX/XXXX, in which it concluded was 32 qualifying payments. Ihave attached the supporting documentation. I have continued to make on time payments and submit employment verification since XX/XX/XXXX, but sometime between XX/XX/XXXX and XX/XX/XXXX FedLoan re-dispersedmy two Direct ( Subsidized and Unsubsidized ) Consolidated loans and created 3 new Direct Consolidated loan amounts ( now 1 Subsidized and 2 Unsubsidized ). In doing so they essentially reset my PSLF qualifying payment counts back to zero starting the Fall of XXXX. I am left with no clear indication that they will honor the previous qualifying loan payments. 

I have contacted FedLoan numerous times to rectify the counts and have received inconsistent explanations each time. On XX/XX/XXXX, I requested for a formal review to be made of my account and that the total number of qualifying payments be recalculated and updated. At that time I was told that my original 2 consolidated Direct loans were split into 3 new loans due to the amount of interest my loans were generating, but that all of my prior payments would still be credited despite the changes. I then this week called to follow up and was told that there is a pending review because FedLoan is waiting for documentation from my " prior loan servicer ''. They claim that FedLoanhas only been my loan servicersince XX/XX/XXXX, which is incorrect since they have been the servicer since XXXX. This to me indicates that they have lost all prior documentation of my on time, qualifying loan payments to FedLoan and I am concerned that all of my prior qualifying payments will not be counted.The total PSLF qualifying payment count should be approximately 51 payments from XX/XX/XXXX until XX/XX/XXXX ( the date of my most recent employment verification.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (VA)

On XX/XX/year>, I received notification of a hard inquiry on my Equifax credit report. I did not initiate this inquiry and when I checked my my.equifax.com account, I saw that my contract information ( email and phone number ) where changed and the freeze on my report was lifted without my knowledge or consent.
Consumer complaint received 2016-04-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I opened a checking account with Bank of America late last week while reviewing an incentive offer for {$100.00} when XXXX {$250.00} deposits are made into the account. I chatted with a representative yesterday to confirm the offer was there but they said there was no offer on my account. The representative I chatted with while I opened my account last week confirmed it was there, so I do n't know who has the incorrect information. Want to get this resolved before it 's too late.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

My name is XXXX XXXX and I am not filing this claim in the 3rd person. I am a living man whose privacy rights have been violated. The accounts listed below have been reporting to my personal report and has had a negative effect on my life, extremely reducing the ability obtaining any credit in my name. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I Have asked these companies to validate and send prof that these accounts belong to me with contracts I signed in wet signatures. So far they have not done so. the consumer report shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the report relates according to 15 USC 1681 ( e ) ( b ).
Consumer complaint received 2020-06-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (IL)

I have had a mortgage for 12 years with Mr. Cooper Mortgage. My current balance is about {$290000.00} due to added fees from a previous modification, which locked my interest rates very high. I have tried to refinance but the property is underwater - {$240000.00}. So I applied for another modification, such as HARP to lower the interest rates but I have been denied. My current interest rates are nearly double the current rates. I am undergoing financial distress but I don't want to default. Please assist me. Thank you.
Consumer complaint received 2019-10-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (SC)

I have diligently applied for acceptance of a Loan Modification with XXXX XXXX/ LoanCare Servicer four consecutive times only to be denied. I had done the first modification on my own, then the last three by professionals including a Bankruptcy attorney. My income is {$6800.00} a month with mortgage payments of {$2100.00} including Escrow. I more than qualify financially for a modification. My attorney couldn't understand why the denial nor the professional loan modification servicing company. I need for CFPB to investigation XXXX XXXX/ LoanCare Loan modification process and procedures. Something is terribly wrong. They are moving quickly and forcing a foreclosure on my home.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately
Consumer complaint received 2019-10-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: DISCOVER BANK (CA)

On XX/XX/2019 Discover Bank did an ACH debit from XXXX account to my Discover Savings account for XXXX, as requested on XX/XX/2019. 

On XX/XX/2019 Discover Bank repeated this transaction. This second debit was NOT requested. 

On XX/XX/2019 Discover sent a message in my web portal. Saying that the ACH transfer was processed twice due to a processing error and they were working to reverse the transaction. 

I called Discover and XXXX on this day and was told by Discover that a credit would appear on my XXXX account on/by XX/XX/2019. 

PLEASE NOTE : While this second debit appeared as a debit on my XXXX account it did not post on my Discover account. I have asked Discover numerous times where it posted and they have not provided an answer or any documentation as requested. 

On XX/XX/2019 I called Discover to advise that the credit did not post and was advised it would post in the next business days. 

On XX/XX/2019 I called Discover to advise that the credit still has not posted and was assured I would get a call the first thing on XX/XX/2019. 

On XX/XX/2019 I called Discover after I did not receive a call. I was told that the credit was sent to XXXX on XX/XX/2019. 

The Discover representative got XXXX on the line and after confirming all my information we were told that no credit was posted to my XXXX account. 

Even after receiving this verbal confirmation, I was forced to upload all my recent transactions showing the XXXX account was debited twice and that no credit back was received. 

On XX/XX/2019 I called Discover to check on status and they said there were still investigating the matter to determine where the credit posted. I asked for verification that it was even sent and I was told that such a request had to go through their legal department. 

As accommodation, so I collect interest Discover posted a courtesy credit as a check on my account, but the funds would not be available to me until they conclude the investigation. Why is my own money not available to me? Especially when this is their error and they have admitted this much. 

Again, I will note that while my XXXX account was debited twice ( XX/XX/XXXX and XX/XX/XXXX ) and while the post of XX/XX/XXXX appears on my Discover account the other does not. Discover has not advised or provided any documentation on where exactly these funds are or were posted during this more than two week ordeal.
Consumer complaint received 2020-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC. (CA)

Dear XXXX, I am not able to access my file. Via clicking the link below it is not working. I t giving me an error. I self identified twice and I sent a request via email but the link it is not working. I am not able to access my file for the dispute. 

************************************************************************************************* Your most recent Equifax reinvestigation has been started. This process can take up to 30 days to complete. For faster delivery of your results, you can now receive the results of your investigation online. 
To accept receipt of the results of your investigation online, please click on this hyperlink : https : //www.OptinOnlineDelivery.equifax.com/optin/jsp/optIn.jsp? DATI=1a9b553e1828fcc8e3d2c6faec82c9c4 Any reinvestigation that you have created within the timeframe of this request will be available for your review online upon completion. 

We appreciate your help as we work together to protect our environment by going green and increasing your account security with electronic delivery.
Consumer complaint received 2020-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (CA)

Since initial complaint was filed on XX/XX/XXXX, I received a email from Mark I, Executive Office of Customer Advocacy for Discover Bank. That was on Friday XX/XX/XXXX. I have heard nothing since. I have emailed him 3 times ( XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ) - No Response. Still no communication or access to MY IRS REFUND that was deposited via Mobile Check Deposit. 

CFPB has let this fall through the cracks - nothing done - and since my initial complaint - ZERO progress!! 

Here is what I initially sent in ... Regarding account ending XXXX - Jnt with My Son. 

On XX/XX/XXXX, via MOBILE Deposit, I scanned and deposited MY IRS TX REFUND CHECK into MY Discover account ending in XXXX. Two days later, my account was locked and I have been unable to access my account. Can not log in online, can not call in, as I get redirected to some RUDE people, who will NOT tell me anything. They continue to tell me that my account was closed on XX/XX/XXXX, and that I would receive information or any money in the account after 60 days ... .UMMMMM WHAT?! I never received a letter, a call, email, fax or any communication from Discover Bank, in reference to my deposit being held, my account being frozen or ANYTHING. When I call in, I am told that - you have to wait, and there is nothing I can do about it - - I have the recording ... .RUDE! Well - as of XX/XX/XXXX - 60 days would have been XX/XX/XXXX or so. So I called again, SAME THING ... .RUDE, no answers, telling me to basically kiss off my account and MY money ....!!!! SOOOOOO Done .... If they claim ( LIARS ) that they sent me something in postal mail, I want copies - again I want proof they sent me something ... Their actions are punitive, and I want my funds WIRED into another account I designate ... .IMMEDIATELY - I quite prepared to take this to court ... .My refund check was in excess of {$15000.00} - I also want all the interest they earned off MY MONEY - want all detailed accounting, showing what THEY earned from my money, and XXXX. Interest rate they will claim I earned. I consider what they are doing as misappropriation of funds, embezzlement and other major infractions. I want IMMEDIATE RELEASE of my money - wired - NOT BY PAPER CHECK - WIRE OR EFT/ACH ONLY - to an account I designate, within 3 days of receipt of this complaint. PERIOD ...! I have attached the letter I forwarded to the IRS along with other documentation.
Consumer complaint received 2017-01-27
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Meade & Associates, Inc. (OH)

They had said I had insurance billed my old insurance XXXX because they said I had called into XXXX and told them I had XXXX witch I did n't have and they billed anyways well come to find out they said they offered me XXXX and they did n't even offer me it I am willing to seek legal help if this does n't help like I told them if I did n't have insurance I would of never gotten this procedure done and they think I am lieing about this situation and I am not I will get legal help because I am not in the wrong please help me
Consumer complaint received 2021-03-24
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. (AL)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, in fact exists.