davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-28
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-06-28
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. (TX)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-06-28
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. (NV)

To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : XXXX Collection Service Account Number - XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter.
Consumer complaint received 2024-06-26
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. (NY)

I recently checked my credit reports and noticed billing errors. You are in serious violation of XXXX XXXX XXXX XXXX XXXX XXXX ) 15 U.S.Code 1637 ( b ) ( 2 ) ( a ) and the XXXX XXXX XXXX XXXX ( TILA 15 U.S. Code 1666 ( b ) billing error
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am invoking my right to dispute and investigate these accounts, as they are wrongly listed on my credit file. Under the Fair Credit Reporting Act, I should receive {$1000.00} for each incorrect report. I am aware that FCRA 605B requires us to report any inaccuracies in a consumer 's report.
Consumer complaint received 2024-08-06
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: ADP Inc. (MO)

I called adp XXXX  XXXX  put balance then transfer to rep asked why they never sent card. Couldnt answer expired XX/XX/year> so i havent used. Sat on hold 30 mins. Waiting for card and fees reversal.
Consumer complaint received 2024-06-26
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. (GA)

I am presenting this complaint to formally dispute the accuracy of certain negative accounts on my credit report. The information being reported is inaccurate and has caused significant harm to my credit rating. The following accounts are inaccurate and should be corrected in my credit report : XXXX XXXX XXXX XXXX : {$XXXX XXXX XXXX XXXXXXXX Balance : {$XXXX}. Please investigate these matters and update my credit report to reflect the accurate information. I also request that you provide me with a written statement confirming the correction of these negative items once the investigation is complete. Thank you for your prompt attention to this matter. I look forward to your response.
Consumer complaint received 2024-06-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LD Holdings Group, LLC (OH)

My conventional XXXX XXXX XXXX was refinanced through loanDepot in XX/XX/XXXX. This property was purchased by me in XXXX of XXXX and financed through a conventional XXXX XXXX XXXX. Between then and the present, I have not missed any payments or become behind on the loan. I am also current on property insurance and property taxes. When I first purchased the property in XXXX, I put down a 20 % downpayment in order to save the cost of XXXX XXXX XXXXXXXX, deal with the hassle of escrow, and have control over my finances, with the mortagor only being a part of that. My philosophy has not changed between when I purchased the property, refinanced, and present day. I never had any of the following issues with the original mortgage, nor their servicing -- despite the servicer being changed. In fact, my insurance with XXXX is still the same policy from the day of purchase to refinance to today. 

Enter XXXX when I refinanced my property with loanDepot. loanDepot is also the current servicer, and who this complaint is aimed at. For the second time, loanDepot has, without my knowledge or consent, opened accounts in my name -- months prior to my knowledge. These accounts were opened to accure large fees months before they went into effect. These fees are for an escrow account, which I have never had, nor have any reason to have, so loanDepot can purchase property insurance on my behalf, at roughly XXXX the cost of the insurance that I already have, that meets the requirements, both federally and internal to loanDepot. The reason these accounts were opened, according to a phone representative on XX/XX/XXXX, is simply that loanDepot presumes homeowner 's insurance is not in place unless proven otherwise, despite them having the policy information. To be clear, my homeowners policy has been with XXXX since day XXXX of ownership and has been renewed, with loanDepot as the named insured. With all of that being said, my payment on XX/XX/XXXX and forward will be roughly 50 % more if these concerns are not taken seriously.
Consumer complaint received 2024-06-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (OR)

In XXXX, just after some loans were consolidated, my monthly payment did not post to my loan. The charge went through to my bank account in the expected amount ( on auto-debit ), but it never showed up in MOHELA. Here 's the timeline : XX/XX/XXXX - Debit went through bank account ( on auto pay ), payment not posted on loan. XX/XX/XXXX - I called MOHELA for the first time, and the rep said to give it a few more days. I downloaded a bank statement showing the debit. XXXX - I called MOHELA again, spoke to another rep, and uploaded the bank statement. The rep said it might take 30 days to " find the payment ''. I canceled auto pay until things were straightened out. XX/XX/XXXX - I made the XXXX payment manually, and it posted correctly to my account. XXXX - I called MOHELA again. The rep confirmed that they have my bank statement, and are still looking into the missing payment. The rep offered to set up forbearance retroactively for the month of XXXX, so my accountwould no longer show past XXXX - XXXX received a letter denying forbearance, because the XXXX payment showed that it wasn't needed. XX/XX/XXXX - I made a manual payment, which posted correctly. XX/XX/XXXX - Still showing past due balance on account. I submitted complaint online asking for reference number for investigation into missing payment. I also requested a history of my recent loan payments. They provided me with a reference number for the ticket ( # XXXX ), and with the payment history.
Consumer complaint received 2024-06-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NM)

Called MOHELA loan servicer, looking into the fact that one of my loans was XXXX and one was not at XXXX payments, stayed on the line for XXXX minutes then phone call was dropped. Try again and the loan company stated that they can not help me given they no longer have the data to my accounts. I sent in my PSLF form in early XX/XX/year>. At the time they told me to wait 90 days which I did, when calling back, 90 days, they told me they can no longer help me as they dont have the data to my account. Frustrating because one loan was forgiven and the other one with similar count was not. Now stating that they will not be able to help me until sometime in XXXX, despite me submitting my XXXX form early XXXX.
Consumer complaint received 2024-06-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NV)

My employer paid XXXX checks towards my student loan ( {$520.00} and {$5200.00} ) as part of an awards program for which I committed to remain at this employer for XXXX more years, on XX/XX/XXXX, when my account was serviced by XXXX. My loan is now serviced by Mohela. I opened a case with the XXXX XXXX XXXX office and they told me I need to handle this with Mohela, not them. I requested copies of the checks from my employer ( which took a a very long time to obtain ). The checks were cashed but the account listed on the endoresement is not my account number. My account number was listed on the pay to the order of line. I have sent them to Mohela and requested a credit on XX/XX/XXXX. The amount has still not been credited to my account and this is going on too long, and I am being charged interest on this amount that is not properly credited to my account.
Consumer complaint received 2024-06-12
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: Experian Information Solutions Inc. (MD)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2023-04-11
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. (NY)

On XX/XX/19, i received a notification from my credit company that someone has been using my card and we canceled the charge as fraud. When the representative asked for my address to ship the new cards to, the address I gave was different from the one in the file. Someone had changed the address on my acc and has received my new credit card. Now everyone connected to that card has had their address changed on each of our credit reports. This has been brought up with the postal service because the culprit had filed a " Change of Address '' form and forwarded all my mail to the culprit 's address.
Consumer complaint received 2024-06-28
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. (TX)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-06-28
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. (NY)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-06-28
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. (NJ)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-11-06
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (TN)

My husband and I closed on our home/VA Loan XX/XX/XXXX and paid our required funding fee of {$3400.00}. His Veteran XXXX claim was still pending at that time but was approved shortly after our closing date, at XXXX. This level of XXXX constitutes waiver of the funding fee and because his XXXX claim was opened and in process prior to our loan closing, we are entitled to a refund of the funding fee. 
We began our process to obtain the refund XX/XX/XXXX. We have contacted our local VA Regional Office, our original lender, XXXX, and Nationstar Mortgage, the final servicer to which the loan was sold. Research case XXXX was opened with Nationstar. The XXXX Regional VA office has repeatedly told us the lender must submit for the refund via a secure gov't website. Nationstar has repeatedly told us to reach out to the VA to obtain the refund. 
After countless phone calls and hours spent on hold with the VA and our lender, I was told to send Nationstar our Settlement Statement for the home loan showing the {$3400.00} funding fee payment as well as the VA Benefits Summary/Certificate of Eligibility. I again faxed this under the cover of XXXX and also emailed their research dept. 
I received response on XX/XX/XXXX from their research dept, that we were to contact the VA Office-the same incorrect response they have given multiple times. I responded to this email with detailed instructions and the link to the FAQs regarding the process that I was able to find online ( XXXX ) clearly asking them to reference Sections XXXX and XXXX for the request process to be followed by lenders and Section I which discusses how a lender can register their lender ID in the system, get their PIN, etc. if that company is not already registered. This is the process they need to use to request our funding fee refund be paid to them by the VA at which point they can apply it to our principal. 
I then received another response from the Research Dept on XX/XX/XXXX in which they asked me to reference their prior response on XX/XX/XXXX-that we needed to contact the VA for the refund. As the link above clearly shows, the veteran does not request the refund. It must be done by the lender because it was paid as part of our loan closing.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. The following accounts need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I tried to make an account with Transunion to place a credit freeze. Since then, I cant even login into the website without it saying my password is incorrect even though it isnt. The website doesnt even let me change the password at least. I was able to login in once only after I signed up completely again and I kept getting the message that the information that I provided wasnt verified. When I tried to call customer service, I was put on hold for over an hour before an employee hung up on me stating that their office hours ended at XXXX XXXX  ( even though it was XXXX XXXX  at the time ). I have no way of getting my credit report let alone freezing it. I have no idea what is going on. I find it deeply concerning that a company this irresponsible has access to my credit report information, and I have no access let alone control over it.
Consumer complaint received 2024-06-28
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-28
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 continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021