davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-26
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 XXXX, 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 2016-03-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (AZ)

there are XXXX accounts on my credit report XXXX- XX/XX/XXXX mortgage loan .. closed short sale- bank agreed not to report. 
XXXX reported XXXX XXXX XXXX balance XXXX .. from 13 years ago.. creditor closed my account was never late. 
XXXXcard- bal o reported 11 years ago XXXX XXXX XX/XX/XXXX card was stolen .. closed still on report. never late. 
XXXX and Equifax reporting these accounts. they need to be removed..
Consumer complaint received 2024-08-26
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. (AL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2015-12-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (IL)

The question " Have you disputed the issue with the credit reporting company and received a final response? '' has XXXX answers on my part. I have disputed the information with the credit reporting company ( Equifax ) ; however, the credit reporting company ( Equifax ) has neglected ( deliberately ) to provide a response within the allotted time by the FCRA. I am including my disputes for your reference. I have been the victim of ID theft, and an account that was supposedly opened XX/XX/XXXX and never showed in any of my reports is now shown in my Equifax report as 31-60 days late. I have never opened an account with XXXX and the company itself has refused to provide any information to me because " the information '' does not match their records. I request Equifax to remove this account and all inquires that were not authorized by me, and I have sent them a copy of the police report.
Consumer complaint received 2024-08-26
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. (WY)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate
Consumer complaint received 2016-03-20
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Asset Recovery Inc (NY)

XXXX XXXX XXXX sent me a letter in XXXX XXXX stating I owed {$540.00} on a service from XXXX XXXX. XXXX XXXX XXXX then explained that this was an error on their part and that they were going to get in touch with my insurance company. I did not hear back from them from that last phone call. I then received a letter from Asset Recovery , Inc. in XXXX XXXX stating they were a debt collector and was attempting to collect a debt for XXXX XXXX XXXX. This came as a shock for me because that last I heard from XXXX XXXX XXXX center they were contacting my insurance company to fix the error they made in billing on their part. After numerous conversations back and forth with Asset Recovery for about 2 weeks trying to explain to them what happened and also trying to make payments to them for it ( and got returned checks ), they then placed it into collections when I was in contact with them consistently and tried to make payments. This debt is now effecting my credit score and it still sitting on my credit report after numerous calls and attempts to pay the debt. Asset Recovery put this debt onto my credit report PRIOR to even notifying me that this debt was in collections. Since this company was not acting in good faith my attorney advised me to pay this debt in full which I have just done.
Consumer complaint received 2016-03-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

I had an account with XXXX XXXX XXXX. I lost my job during the economic downturn in XXXX XXXX and my account because delinquent within a month or two. I did n't make any payments except ONE payment in XX/XX/XXXX. XXXX waited until XX/XX/XXXX to report this to the Credit Bureau instead of reporting this when the account first went delinquent. I 've submitted several disputes online and XXXX keeps claiming the dates are correct when they were n't because I was unemployed from XX/XX/XXXX to XXXX XXXX so there were no payments being made. Although this is scheduled to be removed from y credit report late this year, it 's unfair that this is continuing to hurt my score and get me higher rates when it should have already been deleted from my credit report.
Consumer complaint received 2015-12-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (WA)

My ex-wife made deals with originator and real estate agent to obtain money or credit from my home I purchased XX/XX/XXXX. It appears she received XXXX written approvals XX/XX/XXXX and XX/XX/XXXX via XXXX XXXX. I bought house thru XXXX in XXXX, WA. Apparently my wife tricked me and filed false information to obtain Gov program loan in XX/XX/XXXX. I apparently was tricked some time in XX/XX/XXXX or about year prior as I was told my signature is on page. Then records show anther XXXX loans with XXXX then sold to Setaris. Not one time have they acted in good faith or give me any records. County records show dates different than originals discovered. I also discovered this group involved in many more and I paid all of them as well as massive closing costs, lost escrow money and apparently this multi state group also sold home to themselves as it looks like forgery on older home I sold. I am forced out of home after wife put squatters in and then moved back in getting embellished restraining order that also keeps me from offices at home to run businesses. Everyone is playing games and last contact Setaris lied and said new address had forclosure sent. This has been told to me sense XXXX XX/XX/XXXX yet never any official document sent to my PO Box . I have been discriminated against in every way and lied to repeated times and now threatened to drop issue and lose XXXX home when I was trying to sell it. This is strong arm that has other issues as well. The big thing is real estate lady is family who now has XXXX homes and my ex wife who did n't work juggles more and transferred titles yet legally was XXXX for 17 yrs. I wrongly lost hundreds of thousands over the years starting in XX/XX/XXXX with XXXX XXXX loan, XXXX with XXXX XXXX Bank, XXXX with XXXX, XXXX with XXXX, XXXX, XXXX XXXX loans and XXXX XX/XX/XXXX. Its crazy as I also had all profits, down payments and more stolen in between. How can they break consumer laws and just lie?
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate. 
Please remove these Inquiries from my credit report. 
These inquiriesarelisted :
Consumer complaint received 2016-03-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: N.A.R., Inc. (CO)

Hello, Please refer to case # XXXX I filed a complaint with CFPB back in XXXX XXXX 2015 regarding XXXX accounts, In which they did not respond. I have sent another letter to North American Recovery with again no response. I am filing another complaint as this is unacceptable. Please review this and take appropriate action. 

Original complaint : Hello, Upon review of my credit file with XXXX and XXXX I noticed XXXX collection accounts from N.A.R. ( North American Recovery ). I had no idea who this company was or the money stated I owe. I filed A dispute with XXXX and XXXX for validation. I also sent A Certified letter directly to N.A.R. requesting validation/verification of debt. In return N.A.R. sent me a statement from their own company not from the original creditor. I have no knowledge of any account with XXXX XXXX at XXXX ( original creditor ). XXXX and XXXX returned with their investigation stating these account have been validated and the accounts belong to me? Again I sent another Certified letter with my full communication of this matter requesting proof of this account from the original creditor and/or where this account supposedly came from, It was returned to me unopened stating " return to sender '', " unable to forward ''. I verified the address on the envelope with N.A.R. 's listed address and it is correct. I am unable to proceed with this investigation and XXXX and XXXX are refusing A re investigation stating account has been previously investigated and verified.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND EQUIFAX XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN XXXX BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2016-01-11
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Remex, Inc. (NJ)

yesterday i checked my credit report through XXXX and i found many incorrect informations about me as : 1- My first name 2- My last name 3- My mailing address so i contacted the XXXX '' which is credit report Agency to ask about this wrong informations they told me this informations has been added by : REMEX INC their phone number : XXXX XXXX XXXX their mailing address : XXXX XXXX XXXX XXXX, NJ XXXX -- -- -- -- -- -- -- - they added a collection account to my credit report for service which is i didnt use and i didnt ask for this service ( I didnt use or receive any services from this company the collection account number is : XXXX I didnt authorize them to do this to my credit report, i didnt give them my informations and it didnt use any service from this company before so : 1- I need to know who gived this informations to this agency 2- I need them to delete this incorrect informations from my credit report 3- kindly they have to get this collection account removed from my credit report unless i will have to show up in the court asking for XXXX for each incorrect information they added to my credit report without my autorization
Consumer complaint received 2016-03-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CMI Group, Inc. (NC)

Collection Agency CREDIT MAMAGEMENT COMPANY on behalf Original Creditor XXXX XXXX XXXX XXXX XXXX trying to collect {$250.00} which I do NOT owe.
Consumer complaint received 2015-07-18
Product: Credit card — 
Issue: APR or interest rate — 
Company: PNC Bank N.A. (PA)

I have a card with a 0 % interest offer on a {$7000.00} balance. 

In XXXX 2014, a {$25.00} purchase was made subject to a 14.99 % APR. Since the amount of interest was so small, I was instead charged a minimum interest fee of {$1.00}, which means the APR on that purchase was 16.6 % That {$1.00} aws then subject to the 14.99 % APR, which worked out to roughly XXXX cent. 

I was then charged interest on that fee the next month, which was subject to a {$1.00} minimum interest charge, which worked out to approximately 128 % interest on this fee. 

There is no amount I can pay, short of the entire balance, to stop being charged this fee each month. This has continued every month.
Consumer complaint received 2024-08-26
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. (FL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-08-26
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. (KS)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-08-26
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. (FL)

This CFPB complaint has been filed to request, pursuant to FCRA 605B or 15 U.S.C. 1681c-2, that you, the TRANSUNION Credit Reporting Agency , block informations appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. 

This fraudulent, inaccurate, and false information consists of the following : 1- Accounts : XXXX 2- Unauthorized inquiries : XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX 3- Inaccurate employment : XXXXXXXX XXXX XXXXXXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit reports. I have attached a list of the hard inquiries in question, as well as a copy of the consumer XXXX credit report maintained, which shows the mentioned fraudulent items. 

I do not recognize the mentioned accounts, collections, or hard inquiries as reported. The mentioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by me were not opened, made, or initiated by me. All of the mentioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the US Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2015-12-29
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (LA)

Chase mortgage continues to charge me {$15.00} for fees but when I call to inquire what the fees are for no one can tell me. I am current on my loan and this {$15.00} could be going toward the principle on my loan so I can pay it off sooner. All I get when I speak with someone is a promise they will find out what it is and they will call me back but I never get a return call. You assistance in this matter would be greatly appreciated. 

Thanks,
Consumer complaint received 2015-06-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MA)

I recently discovered I have only been on a " interest-only '' payment with XXXX XXXX or as they are now calling themselves, Navient. The interest only payment is {$630.00} dollars a month! I make {$40000.00} grand a year and owe {$130000.00} in student loans so I immediately called them to ask them for a lower payment plan. They old me that I do not qualify because I " make too much money. '' I then told them that I have been in conversations with bankruptcy attorneys because of my student loan debt. They told me the only way they would even consider lowering my monthly payments and my current interest rates of 11.5 % is if I do actually file for bankruptcy. This is an absolute joke. These private loan lenders are sucking the working class dry and robbing us of any hopes of a future. I ca n't even move out of my parents house because my " minimum principal '' payment is {$1100.00} per month until I am XXXX years old. I am currently XXXX, how is this even legal? Legislation needs to change IMMEDIATELY regarding private loan lenders, especially XXXX XXXX. They are the biggest loan sharks I have ever dealt with in my entire life!
Consumer complaint received 2015-12-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (CA)

I have just checked in to view the status of my investigation sent through this website regarding an invalid Civil Judgment reporting on my credit report through XXXX under Judgment XXXX. I have waited already 32 days for a response and have not received one and I am getting extremely worried regarding what is going on. XXXX is not supposed to be reflecting on my credit report an this investigation has surpassed its limit and on top of forwarding all invalid judgment documentation to Experian which i received from the XXXX XXXX court records office ; I have been patient enough and I would like to know how soon this jusomenmt can be removed from my credit report. My investigation on this Consumer Financial Protection website has lead me to believe and to know for a fact that the law ( 168. section B ) states that reinvestigation may take a 30-day period to complete. I have not forwarded any more relevant documents regarding this expunged judgment in these 30 days, so I do not understand what the hold up is. Please remove this invalid judgment and so I can finally return to my financial life and try to correct the wrongs done this past 8 years with Experian having displayed this account unlawfully barring many financial institutions to deny me credit. I think i have awaited and suffered enough.
Consumer complaint received 2024-08-26
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. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.