davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$3400.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-30
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. (TN)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 

XXXX XXXX Balance : {$200.00}
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process.

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-29
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. (NY)

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 2024-08-29
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. (TX)

The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I checked my # XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681e ( b ). Treatment of inaccurate or unverifiable information in general, after any reinvestigation of any information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate. 15 USC 1681 ( s ) states they not supposed to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the account is inaccurate. I request that these accounts be removed from my credit report.
Consumer complaint received 2015-04-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (PA)

Equifax has not responded to my certified letter that they received on XX/XX/XXXX that states the following : RE : XXXX XXXXDear : Equifax please be advised that this letter is being sent to you and all credit bureaus. I am requesting that you remove this account from my credit report. This is not my account, I have never had an account with this company. I have been disputing this account for years. Today I called this company only to find out that this account was opened at a place in Wisconsin called XXXX XXXX bank association. I have never traveled to this place or again opened an account. I placed a fraud alert on my credit report back in XX/XX/XXXX. I also would like to inform you that I never received not XXXX bill or collection notice from this company ever. If this item is not removed from my credit report I will be contacting the XXXX, the XXXX. Office at a state level and I will also file a civil suit. You have 30 days from this notice to remove this account. 

They have not removed or responded to this letter. 
Equifax instead sent me a letter XX/XX/XXXX letting me know that they mailed my sensitive personal information to someone else and are trying to get it back. This person or people have my SSN and address, you name it they have it!!
Consumer complaint received 2015-04-20
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Consumer Asset Management (Texas) (WV)

A company claiming to go by the name Consumer Asset Management out of Texas called from the phone number XXXX XXXX XXXX XXXX requesting that I call back by XXXX the next day about a debt on my social. I was requested to call XXXX XXXX XXXX XXXX. They threatened me with orders to put me in front of a judge concerning a debt of {$13000.00} which I do not owe according to my credit reports. They refused to supply anything beyond the name Consumer Asset Management and the phone number already supplied. When asked for the license number and address their response was that it is public domain and was refused this information. When asked for a written validation notice, they refused and said that they will only send out a letter of offer of settlement for {$4000.00}. I again asked for validation notice only and was refused, again only being offered the settlement letter and being told that once that settlement letter was sent I accept the terms of the letter. I refused and said I will not do anything until I receive a validation notice. They stated they are not required to send those out. I said I was reporting them to the FTC and he said " go ahead '' and hung up on me.
Consumer complaint received 2015-12-28
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP (AR)

On XXXX, XXXX, I called Selene Finance concerning the mismanagement ( XXXX up ) of my Mortgage payments from XXXX. I insisted on a supervisor, was given XXXX, who assured me it had all been straightened out. I requested in writing. I also noticed on my XXXX Mortgage Statement ( only the XXXX I received after a year XXXX with their company ) that there was a charge under " Corporate Advance ''? I asked what that was for. He responded that it was for Attorney Fees in regards to my Bankruptcy. Now mind you, I filed for Bankruptcy in XXXX of XXXX and my home was NOT included in the BK ( my mortgage was with XXXX XXXX XXXX at the time ). In my mortgage file at XXXX there were all the necessary documents from the Judge & my attorney stating my home was not included and when my loan was bought by Selene Finance, I made sure that file was faxed over to them in XX/XX/XXXX-Selene confirmed that they had it, but because I was in BK, I would not receive monthly statements. My BK was completed in XXXX XXXX and I had my attorney send the letter from the Judge stating that and now I want my monthly statements. It took them 3 months to do that. I also checked with the Court & my Attorney-Selene Finance had NEVER had an attorney inquire into my BK. AND if they had, why was I NOT notified that there would be cost to me??????? XXXX told me I needed to send in an email disputing the " Corporate Advance '' charges, which I did on XXXX XXXX, because I had NOT been receiving statements, how long they HAD been charging me and WHY they would still be charging me when my BK was completed 3 months ago? I called Selene on XXXX XXXX, because I had not received a return email ( at least stating they had received it and were working on it ) XXXX stated a computer generated letter was sent to me on XXXX verifying they had received my email and that FEDERAL LAW requires SELENE Finance XXXX to respond within 30 business days. I did receive that on the XXXX ... ..It has NOW been XXXX BUSINESS DAYS and I have not had ANY response! So, I called Selene this morning to find out why-was transferred to XXXX ( supervisor ) who had NO answer but was going to email the Loan Resolution Dept and apologized. I told him according to his companies letter, Selene was NOW in violation of the FEDERAL LAW and I am NOT going to go through a five year nightmare like I did with XXXX. So, here I am.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2016-02-16
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

Union Bank sent me a new " chip & pin '' debit card about 2 1/2 weeks ago. I did not ask for this card ; they just sent it to me. I activated the new card as soon as I received it. However, I have been having one problem after another using the new card. I read through the literature that Union Bank sent along with the new card, to see if there were any tips on how to resolve any problems with the new card. There were not any tips given ... just legalese. 
XXXX XXXX said Union Bank had declined my automatic payment on XX/XX/2016, even though there was plenty of money in my account. XXXX XXXX then canceled my car insurance and renter 's insurance. XXXX XXXX XXXX would not accept the new card either. I should add that the debit card number is the same on both the new card and the old card. The expiration date, however, is different on the new card. The CRV number is also different. Nowhere in the Union Bank " chip & pin '' literature did it say for customers to contact merchants/automatic payment companies with a new expiration date. 
Then, yesterday, at XXXX in XXXX, CA, my new debit card was denied for a purchase of XXXX. My card was scanned through their card reader at least 7 times. The card reader had chip technology, so the clerks tried to scan the card both ways. In addition, XXXX insisted that I was entering " the incorrect pin number. '' I actually entered the correct pin number 4 or 5 times into their card reader. There was a long line of people behind me, and it was humiliating to be turned down for a XXXX purchase. The XXXX manager said, " we 're sorry, but we can not authenticate this card. '' I ended up having to write a physical check, which, of course, just held up the line even longer. 
As soon as I got home, I double-checked the balance in my bank account, which was fine. I also double-checked my pin number ... I had indeed been using the correct pin at XXXX. 
The XXXX manager told me to call Union Bank this morning ... that the bank would be able to see in their system why my debit card had been declined on XX/XX/2016 so many times. I called the XXXX XXXX, CA branch of Union Bank this morning. The gentleman who answered the phone, XXXX, said there had indeed " been a few problems with the new chip & pin cards. '' He gave me a national XXXX Union Bank number to call. However, when I was finally able to reach a real, live national Union Bank employee at XXXX XXXX. PST XX/XX/2016, and explain what had been happening with my new debit card, she just transferred me back to the bank 's automated phone system.
Consumer complaint received 2024-08-30
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$2200.00} XXXX  XXXX Balance Owed : {$4000.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$660.00} XXXX  XXXX XX/XX/2023
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below XXXX XXXX XXXX Balanced {$12000.00} XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX {$0.00}
Consumer complaint received 2016-02-01
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: HSBC NORTH AMERICA HOLDINGS INC. (GA)

Previous application : Your submission, [ Case number : XXXX ] Received mail this weekend that was apparently sent XXXX, XXXX, from XXXX XXXX XXXX who are restating the facts without answering the allegations. 

Bk Discharge was received in XXXX, XXXX all creditors were listed. XXXX XXXX XXXX, XXXX is now Pursuing me for the Debt, but they say Lien or security interest, when I have not done any business with them. 

They did an illegal transfer of assignment while in BK court, have not answered the previous complaint to this Bureau or my concerns. Brought them into BK court again, for sanctions and violations. The Case was dismissed on XXXX XXXX, XXXX. 

XXXX XXXX XXXX, XXXX and HSBC are Servicers acted as Debt Collectors and never proved, verified anything except a copy of the Note and Mortgage that was NEVER signed to them. These criminals seem to be making money over and over violating the rights of man and woman and displacing families with no authority. 
This claimant is asking for a higher Authority to make them verify and prove there allegations. Especially when the Note and Mortgage travel together. Their proof is sending the Note and Mortgage/Deed over and over. Proving more and more that their names are not parties. 

Claimant proven over and over that XXXX is only Nominee and has no authority to assign and transfer. 

Now, I am faced with Eviction for a discharged Debt. XXXX XXXX XXXX, XXXX is not a Creditor. XXXX XXXX was operating under another Trust which was closed XX/XX/XXXX. Now, they are operating under another Trust and I am the only one asking questions. 

HSBC did not have interest so, how could they pass interest to their family XXXX XXXX XXXX, XXXX Why does the fraud end. 

Liens are security agreements and do not carry a monitory amount with it. They are separating these documents and illegally going against the FDCPA and the UCC without proving anything. 
Now coming after my property without proper verification. 

HSBC could not prove XXXX XXXX XXXX, XXXX XXXX prove because they are a servicers XXXX XXXX alleged Trustee is using another private Trust XXXX MASTER PARTICIPATION TRUST. instead of the XXXX XXXX ASSET BACK TRUST ( original ). 

At no time have either parties proven anything, through their alleged attorneys XXXX XXXX and now XXXX XXXX, XXXX.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AZ)

On XX/XX/24 I sent Equifax, XXXX, and XXXX a dispute about deleting incorrect personal information that is currently reflecting on my report. I never have lived at these places and some I do not recognize at all. They have yet to process my request and have ignored it.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have been a victim of identity theft and some of my accounts were compromised. After finding out about this, I immediately reported the concern to the credit bureaus. Some of the accounts on my reports are not even mine, some were used fraudulently causing unauthorized charges and negative remarks on my reports. Please delete this account and hard inquiry, they are fraud and not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fraud inquiry : XXXX XXXX XXXX XX/XX/XXXX These accounts were compromised and are reporting late because of unauthorized charges. I need your help in removing the negative remarks on the account due to identity theft. The compromised accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I have attached my generated FTC from http : //reportfraud.ftc.gov/ as instructed by the bureaus. I have also included here my ID, social security card, and proof of address.
Consumer complaint received 2015-12-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

I am in receipt of a notification dated XXXX XXXX, 2015 indicating that the law firm of XXXX XXXX XXXX, XXXX of XXXX, NJ has been retained to initiate a lawsuit to foreclose the mortgage on my property. As per this correspondence, it denotes that the creditor of aforementioned property is XXXX Bank XXXX XXXX and/or XXXX Mortgage Loan Trust. This is not my mortgager ( it was XXXX XXXX XXXX ), it 's now Select Portfolio Services. 

I 've requested that the law firm provide information to validate the creditor and ownership of this mortgage. Neither of these institutions have been a mortgage holder which I am familiar with. I am currently in the process of negotiating a modification of my current mortgage with Select Portfolio Services XXXX Inc., and appealing the preliminary decision. This notice is the first time I 've been advised of these XXXX additional creditors/trustees. I feel like this is an institutional strong-arm tactic to intimidate me into a short-sale of my home in lieu of a modification. 

In addition, the original mortgage for this home was refinanced several times over the past 10 years and initially was $ XXXX. I 've requested with a chronological explanation of the additional {$62.00}, XXXX. This amount appears to be incorrect and/or is underpinned by predatory lending practices from lender to lender. These may be lenders that I am unfamiliar with that appears to be certificate transfers. I would like to see these transfers with dates and explanations. 

Lastly, as you may imagine, I am deeply concerned about these institutional hand-offs from lender to lender and the legalese in this recent correspondence. I have requested a detailed explanation of items # XXXX & XXXX in layman 's terms, as I am unable at this time to afford legal representation.
Consumer complaint received 2015-04-21
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Genesis Lending (AK)

I was enrolled at wyotech in XXXX Florida for school. I was told that I had no choice but toGet this loan from genesis lending for my XXXX academic year, I had to get this personal loan for {$5000.00} to be able to finish my school. The XXXX advisor never explained this when I started my first academic year, anyway I was also told that hey would find job placement as soon as I got out of school, and they did not do anything to help me, I have had financial hardship since I have been out of a school and could only find a job that pays me XXXX an hour. My loans are to high and genesis will not work with me and the interest is 12.9 % and each Month they charge me an additional XXXX late fee. Everything I was told has been false regarding the loans and interest, as well as the job market, there are no jobs that are paying XXXX to XXXX an hour! I have had extreme hardship trying to pay this debt to my fed loans as well as genesis. My genesis loan is still at XXXX 3 years and it only shows XXXX paid!