davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

My credit report reflects two hard inquiries being made into my credit as follows : Inquiry from XX/XX/XXXX Institution Information XXXX   XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, CO XXXX I never authorized these " hard inquiries '' and have tried to reach out to the above on prior occasions to have the issue rectified.
Consumer complaint received 2020-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

US DEP ED XXXX {$41000.00} XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$0.00} XXXX XXXX {$820.00} XXXX   XXXX-XXXX {$410.00} XXXX XXXX-XXXX {$1200.00} XXXX XXXX-XXXX {$400.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX {$150.00} XXXX XXXX   XXXX {$1200.00} XXXX XXXX   XXXX {$400.00} XXXX XXXX   XXXX {$410.00} XXXX XXXX   XXXX {$720.00} XXXX XXXX   XXXX {$740.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX {$350.00} XXXX   XXXX {$1200.00} XXXX/XXXX XXXX {$450.00} XXXX XXXX {$820.00} XXXX XXXX-XXXX {$720.00} XXXX   XXXX-XXXX {$890.00} XXXX XXXX XXXX {$600.00} XXXX XXXX-XXXX {$450.00} XXXX XXXX {$750.00} XXXX XXXX XXXX {$67.00} XXXX XXXX-XXXX {$300.00} XXXX XXXX {$300.00} DPT TREASURY XXXX {$56.00}
Consumer complaint received 2020-02-28
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Statebridge Company (FL)

This complaint is a continuation of prior complaint as it has not been resolved. Complaint # XXXX. Statebridge gave a payoff amount on my mortgage loan for closing that funded on or around XX/XX/XXXX. XXXX I received attached statement showing a balance in escrow of {$1100.00}. On XX/XX/XXXX I received a check for {$280.00} with no explanation whatsoever. This is after Statebridge had provided a payoff amount to my refinance lender in XXXX or XXXX. 

Now they are saying that I had a payment returned for non sufficient funds which is not true. I have included copies of my XXXX bank statements showing where payments were made to Statebridge and as you will see, there was no returned payment. 

I try to call them and have been on hold as long as 30 minutes which is unacceptable so again I ask to reopen my original complaint and ask for an accounting of my loan and escrow account. I am attaching original documentation and email received referencing a person and address that I have no clue who they are.
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (GA)

AES/PHEEA is reporting I owe on students loans that are XXXX  years old. I have called them on several occasions and they refuse to remove the information. 

I have reported the company to Federal Trade Commission. 

It is against the Fair Credit Reporting Agency to report information that is XXXX years old. 

They are reporting the information in the amount of XXXX XXXX and XXXX. These loans were consolidated in 2006.
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX is reporting I owe on students loans that are 10 years old. I have called them on several occasions and they refuse to remove the information. 

I have reported the company to Federal Trade Commission. 

It is against the Fair Credit Reporting Agency to report information that is 10 years old. 

They are reporting the information in the amount of XXXX XXXX and XXXX. These loans were consolidated in XXXX.
Consumer complaint received 2024-09-04
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)

I never did business with any of these companies : RE : 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible Purposes of consumer reports, I never gave these companies Any written consent to report anything on my consumer report. As a consumer, by law these accounts must be deleted immediately or I will seek monetary damages in small claims court in my city and state.
Consumer complaint received 2020-02-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mid-South Adjustment Co., Inc. (AR)

HELLO. I PAID A COLLECTION ACCOUNT THAT WAS TURNED OVER TO MUD SOUTH ADJUSTMENT XXXX XXXX, AR XXXX PH ( XXXX ) XXXX FOR A MEDICAL BILL FROM ARKANSAS XXXX HERE IN XXXX XXXX XXXX, AR IN THE AMOUNT OF {$160.00}. IT WAS RECENTLY PAID IN FULL. THE FILE NUMBER IS XXXX ON XXXX XXXX. THIS ACCOUNT IS PAID IN FULL AND CLOSED. THERE SHOULD BE NO REASON WHY IT SHOULD'NT BE REMOVED FRO, MY CREDIT REPORT. IT ISN'T BENEFITING ME AND I AM ASKING FOR A GOOD WILL DELETION. I'VE ALREADY CONTACTED THE COLLECTION AGENCY AND THIS IS RIDICULOUS. THEY HAVE NO VALID REASON WHY THIS PAID COLLECTION CAN NOT BE REMOVED. I NEED THIS TAKEN CARE OF IMMEDIATELY.
Consumer complaint received 2021-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Capital One is reporting me late on XX/XX/19 and I was never late. I recently checked my credit and noticed this late reporting on my credit. I don't recall ever receiving notices because my account is set to auto draft. So I'm not quite sure why this late is even reporting. I have never been late prior to this or after. I ask as a long time customer for this late to be removed. This was not my mistake and it needs to be removed.
Consumer complaint received 2020-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FREEDOM FINANCIAL NETWORK (NC)

Negotiated debt with " Freedom Debt Relief " " XXXX XXXX '', same company via XXXX  XXXX XXXX. Original debt with FDR was XXXX, settled for XXXX. XXXX settled this account for a fee of XXXX. Payments of XXXX per month to XXXX were to be divided between FDR and XXXX untill fees were payed in full to XXXX. At that time all payments of XXXX per month would be forwarded to FDR until the XXXX was payed. In short FDR is knowingly reporting an incorrect balance of almost XXXX to multiple credit bureaus. I did make several reports via XXXX, XXXX XXXX etc. Reports were denied due to FDR certifying that amounts were correct. Even called FDR to rectify XX/XX/XXXX @ XXXX XXXX. They proclaimed that the balance wouldn't change untill the full balance, settled amount was paid in full. They acknowledge that the balance was only XXXX and refused to accurately report this to credit bureaus.
Consumer complaint received 2020-02-28
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Universal Credit Services, Inc (MI)

Universal Credit Services has called me several times on my cell phone to reach out to me. This has never been an issue for me, but what I'm upset about is that they have somehow reached out to my employer and called me on my private line at work. This happened yesterday XX/XX/20 @ XXXX XXXX. They called while I was not at work and then my co-worker and manager answered the phone and asked for " MY NAME '' ( me ) and when my co-worker said I wasn't available and asked who was calling, the person from UCS hung up the phone. 

Another time this happened was two weeks ago ( date unknown ) and ( time unknown ). A man from UCS called my private desk number ( and I work at a XXXX  ) our numbers are not given out to the public. I answered the phone and the gentleman asked for me and I said to him " may I ask who is calling '' the person from UCS would not identify himself, or tell me where he was calling. He told me that If I wanted to know who and where he was calling from I needed to verify my information over the phone. I told him that I would NOT do that because I didn't feel comfortable with that fact that he called me and asked for me at work. The man on the phone then told me that I can XXXX his number to find out who and where he was calling from and then he hung up the phone. 

This is NOT acceptable. I work in the XXXX field and I know my rights. It is not okay to contact me at my place of employment. The company has no problem reaching me on my cell phone and by mail. In the past when I have answered my cell phone the man over the phone transfers me to another associate and the phone disconnects.
Consumer complaint received 2020-02-28
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TOP FLITE FINANCIAL INC (GA)

On or about XX/XX/XXXX we applied for refinance with Top Flite Financial working with XXXX XXXX. Our loan # is XXXX. We went through the process as normal, completing application, providing documents and lastly ordering and paying for an appraisal. Since the appraisal has been completed and received by XXXX XXXX on or about XX/XX/XXXX we have not heard from Mr. XXXX AT ALL. we have called, emailed, left message numerous times with no return call or status. Since we have paid for appraisal, the ONLY correspondence we have received from Top Flite was an email dated XX/XX/XXXX requesting additional pay stubs, which we uploaded to the website. Mr. XXXX and Top Flite Financial misled us to think we could get a loan, they only wanted to get the appraisal done. Top Flite gives its employees bonuses for the amount of appraisals they order. MrXXXX XXXX receiving a {$1300.00} bonus back in XX/XX/XXXX. Since the appraisal, we have not talked to Mr. XXXX or received any correspondence from him. They were very deceitful in leading us to believe we would qualify for the loan, when all they wanted was to add another appraisal to their records.
Consumer complaint received 2022-01-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Global Lending Services LLC (IL)

Global Lending Services is in direct violation of the terms of our XXXX XXXX XXXX. Under the Federal Truth-In-Lending Disclosure Statement, the Prepayment terms states " You have the right to prepay the unpaid balance in full or in part at anytime without penalty. '' Global Lending Services has violated my Federal rights as a consumer. Global Lending Services ignored my requests, thereby denying to accept payment. The company did not acknowledge my request until after involving cfpb, as stated in the response letter provided by XXXX XXXX, XXXX Consumer Complaints Coordinator. XXXX states the company received the inquiry XX/XX/21, however, certified mail receipts indicate they received letters on XX/XX/21, XX/XX/21, and XX/XX/21. 

XXXX. XX/XX/21 - XXXX received my first request to pay off the loan, to which they did not respond. 
XXXX. XX/XX/21 - XXXX received my second request to pay off the loan, to which they did not respond. 
XXXX. XX/XX/21 - 54 days after ignoring my first requests, XXXX receives my request for the vehicle 's title, absent of XXXX as a Lien holder. 
XXXX. XX/XX/21 - XXXX receives cfpb complaint number XXXX for misreporting to credit bureaus. 
XXXX. XX/XX/21 - XXXX composes and sends offer letter without sending the original instrument of debt. 
XXXX. XX/XX/21 - I received a response from XXXX which expired XX/XX/21. 

In addition to ignoring my request for payoff and original instrument of debt, XXXX has provided a questionable contract document. 

XXXX. Hand written text has been added to the " location '' field. 

XXXXAdditional information has been added to the document after I signed. There has not been any contract amendments signed by me and the lender for this contract. 

XXXX. XXXX was originally unable or unwilling to provide information as requested.
Consumer complaint received 2020-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: KEYCORP (ME)

On XX/XX/XXXX, I used KeyBank 's online BillPay service to send a check for {$74.00} to XXXX XXXX XXXX. According to KeyBank, XXXX cashed this check on XX/XX/XXXX. However, XXXX  denies ever receiving this check, even after Key sent proof that the check had been cashed. 

I filed a first dispute with Key on XX/XX/XXXX. I later received a notice in the mail from Key that they had closed the dispute because " XXXX had received the payment. '' However, the payment that XXXX had received was from my XXXX credit card, not from Key. ( I had made the 2nd payment to XXXX using my credit card to avoid late fees on my account ). 

I filed a 2nd or 3rd dispute with Key in XXXX. After being told by XXXX between XXXX XXXX and XXXX XXXX that they had researched their records and found that they had never received or cashed the check from Key, I spoke with XXXX at Key on XX/XX/XXXX, who said the dispute " has definitely been escalated now '' and I should see resolution within 90 days. She gave me the call reference no. XXXX. 

When I called several weeks later to check on the status of the dispute, I was told by Key that I would need to visit my local branch to continue the dispute. During a conference call with both XXXX   and Key at my local KeyBank branch on XX/XX/XXXX, it was finally determined that the check had indeed been cashed, but not by XXXX. Someone suggested the check had been stolen from a mail tray at XXXX. I was told the matter would be referred to Key 's fraud department, and I was told I would receive a notice in the mail within 90 days of their findings and what action they would take. 

I heard nothing more from Key after this. When I called the Key 's fraud department on XXXX XXXX, XXXX, to check the status of my complaint, I was told that it was not a matter for the fraud department, and I needed to call Key 's Online Banking department. I did, and was told by XXXX XXXX would have to file yet another dispute. XXXX also told me she had no record of any dispute except for the first one I filed on XX/XX/XXXX. It appears to me that Key is not interested in helping me with this, and that by telling me to file dispute after dispute and to wait 90 days in between, they are hoping I will give up.
Consumer complaint received 2024-09-18
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. (OH)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SSN : XXXX Date of Birth : XX/XX/XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX RE : Trafficking Block Request Dear Sir or Madam : I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. This is my XXXX time complaining this issue to CFPB and asking a blockage of these accounts with Equifax. XXXX and XXXX Honored the trafficking request and blocked the reported accounts within 4 days. I am attaching the XXXX letter of removal to these accounts from my Credit. Equifax is causing inconsistencies with my credit Report by not honoring the Trafficking request Accounts : Account numbers : Date Opened : XXXX XXXX XXXX. XXXX. XX/XX/XXXX XXXX XXXX XXXX. XXXX. XX/XX/XXXX XXXX XXXX XXXX. XXXX. XX/XX/XXXX XXXX BANK XXXX. XX/XX/XXXX XXXX XXXX XXXX. XXXX. XX/XX/XXXX XXXX Bank XXXX. XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX. XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Card XXXX XX/XX/XXXX XXXX XXXX XXXX. # # # # # # XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I also see XXXX other names on my credit profile which is as a result of the trafficking. 
I need these names blocked and removed from my Equifax credit Report XXXX, XXXX XXXX XXXX, XXXX I have attached a copy of my SSN card, Valid IDs, and a copy of my utility bill to prove I am human who has been a victim of trafficking, so I do not need Equifax to say or write me and say they could not verify me or my account. 
Please block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. Section XXXX ( b ) states that consumer reporting agencies can not provide consumer reports with adverse information about consumers who have been victims of XXXX  trafficking or XXXX trafficking if the consumer has provided documentation of trafficking to the agency. I have attached a documentation of my self attestation to you Equifax. 
Survivors do not need to provide additional evidence to prove their connection to trafficking, beyond self-attestation. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TN)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (GA)

On XX/XX/XXXX I request Lexi Nexi to update their records correctly on all three of my credit reports. They refused due to not being able to verify my identification. 

Lexi Nexi is ordered to remove all incorrect information documented in this report. If it is not removed within XXXX business days of this complaint court actions will be taken : 1. Dismissed Bankruptcy XXXX 2. Duplicated Bankruptcy XXXX ( Dismissed Bankruptcy ) 3. XXXX XXXX, XXXX, XXXX 4. XXXX XXXX XXXX  XXXX charge off 5.XXXX XXXX XXXX XXXX XXXX XXXX They are reporting XXXX of XXXX I have not taken out any credit with this company. It is a collection agency. 

Address XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( FRAUD ) All outdated information is 7 years and 10 years old. The Fair Reporting Agency does not allow information on the credit report which is not verifiable, which is not reported correctly, and which does not belong to me.

All information documented on my credit report which is a collection agency violates my privacy according to the Fair credit reporting agency.
Consumer complaint received 2022-01-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (OR)

On XX/XX/2022 - we were fraudulently led to believe XXXX XXXX contacted us regarding a fraud, which in turn frauded us out of XXXX from a checking account using the Zelle payment system. I contacted Zelle and reported the fraud the case # is here : Zelle Case # XXXX on XX/XX/2022. XXXX XXXX will not cover the loss through Regulation E, so Zelle must be the one who needs to cover the loss under Regulation EXXXX We would like Zelle to cover the loss under Regulation E. I was told that Zelle or XXXX tried to recover the funds from XXXX XXXX ( apparently where the money went ) and was given this # as a claim XXXX - Which institution has to abide by Regulation E? I would like Zelle to pay since XXXX is not paying and covering this fraudulent loss. It is not the consumers fault that the app is so loose. We have never used a Zelle app before this fraud day. XXXX XXXX XXXX and XXXX XXXX - XXXX account ending XXXX. Previous complaint to CFPB for XXXX XXXX is XXXX.