davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FactorTrust, Inc. (CA)

Under 15 USC 1681 of consumer laws, a company must adhere to certain guidelines when charging off an account and reporting it to the IRS, as well as reporting late payments. If an account has been closed and charged off, and a request for a 1099c was made, the company must comply with the request.

Additionally, if the company has put the account back on the consumer 's credit report without authorization, this may constitute a violation of the Fair Credit Reporting Act. Only authorized credit reporting agencies may make such changes to a consumer 's credit report. 

In this case, it appears that XXXX and XXXX has acted outside of its authority by putting the account back on the consumer 's credit report. The consumer may have grounds for disputing this information with XXXX and seeking its removal from their credit report under the Fair Credit Reporting Act.
Consumer complaint received 2024-08-01
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)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2023-11-07
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: Experian Information Solutions Inc. (NY)

I do not consent to electronic communications. I request all responses be in writing through the XXXX Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : XXXX XXXX XXXX
Consumer complaint received 2024-08-01
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. (ND)

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 chaos, 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 : 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
Consumer complaint received 2023-11-07
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: Experian Information Solutions Inc. (FL)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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.
Consumer complaint received 2023-11-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (OH)

I had continued to make payments on my student loans during the pandemic until I had it completely paid off. I then heard you could get a refund and that it would be forgiven and no repayment would be required. 
I called to inquire about it and was instantly told that I would be receiving a refund in about XXXX weeks. There wasnt anything asked or required of me besides my social security number. I thought it was odd but figured it was part of the pandemic process. 

NEVER once was I informed that the possibility of having to pay it back could be on the table. Nor was I required to sign anything saying I agreed to pay back if needed. I feel I was scammed. 

I feel it was a terrible guise to create more debt for already struggling people that could use a break to get caught up. 

There is no way I would have accepted the refund if I knew I had to repay it. I HAD JUST PAID OFF MY DEBT TO THEM! 

I have called the customer service number and the automated system says that I dont have a current balance yet I continue to receive past due letters for this account that I never created.
Consumer complaint received 2023-10-29
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: Maximus Federal Services, Inc. (IL)

On XX/XX/XXXX I spoke with XXXX at the US Department of Education because I tried to get approved to buy a house and the mortgage company said I had student loans. XXXX said that I have a student loan in default from when I attending a trade school in the XXXX XXXX I attended XXXX XXXX XXXX XXXX to try and get my XXXX  degree in XXXX. The school was investigated and found to be a non creditable school and was shut down. I was unable to complete my degree for this reason. 

When I applied for a mortgage loan, the student loan popped up on my credit report which I was unaware that it was still on my credit report. My understandings were that since the college was found un-creditable, my student loans would be taken care of since I could not complete my degree. To my surprise, XXXX told me that my loan was held with XXXX XXXX from XXXX to XXXX. On XX/XX/XXXX, the US Department of Education took over this loan because the XXXX XXXX went out of business. 

I have not been notified through mail or via phone of this loan with either federal loan companies. I was unaware I even still had a student loan debt, until I applied for a house. XXXX directed me to complete a complaint form to try and dispute this loan to be removed from default so I can purchase a home. 

I need to be directed on how I can get this loan removed from my credit report and how I can get this loan forgiven. I was under the impression that when the college was declared, un-creditable for a degree, that my student loans that I took out to receive a creditable degree, would be forgiven or bought back.
Consumer complaint received 2023-11-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (MI)

On XX/XX/XXXX I requested information and clarification on my SAVE plan as I had received multiple messages with differing amounts. One said my new payment amount would be {$160.00}, one said {$110.00}, one said {$0.00} starting XX/XX/XXXX. The actual amount that was due according to my account was {$420.00}. I reached out again on XX/XX/XXXX after giving more than the two business days they stated they would respond in and they still have not responded.
Consumer complaint received 2024-02-09
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: AMERICAN EXPRESS COMPANY (IL)

I purchased an American Express e-gift card for {$750.00}. It is not accepted anywhere I try. I have tried to use it at multiple websites online, and it is declined everywhere. When I call the company, they just tell me to use it elsewhere. I have called twice already, and they all give me the canned response that my transaction was declined for the " security of the funds ''. Apparently, according to various chats online, everyone is having this problem as well. 
In addition, there is some sort of fraudulent charge for XXXX cents by XXXX
Consumer complaint received 2024-03-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Deutsche Bank (WA)

My name is XXXX XXXX and yesterday I was victim of a phishing attack on XX/XX/2024. I was about to close on a home and then I got a mail from the imposter who introduced himself as XXXX XXXX, loan processor. 
I was asked to wire XXXX USD to a fake escrow company, and I fell for it. 
The wire transfer was sent from my XXXX XXXXXXXX XXXX account ( account # XXXX  ) and the wire transfer request number is XXXX. 
Transaction Id : XXXX The account number that I was asked to transfer the money to is ACCT # XXXX I request you to kindly block this wire from going to the above account. I have also informed the police and also reported to ReportFraud.ftc.gov. 

Following is the instruction that I received : ACCT NAME : XXXX Title and Escrow XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX ABA # XXXX ACCT # XXXX BANK NAME : DEUTSCHE BANK XXXXXXXX XXXX XXXX  ADDRESS : XXXX XXXX XXXX XXXX, XXXX, FL XXXX Please Reference : XXXX XXXX XXXXXXXX XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Other company involved is my bank : XXXX XXXX XXXX. They don't have fraud helpline active from XXXX XXXX PST to XXXX XXXX PST. If this facility was provided, they could have acted immediately. They let me wait almost 14 hours before they issued a XXXX recall. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I have filed a IC3 complaint with the FBI and also with the local police department.
Consumer complaint received 2023-10-04
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. (NY)

XXXX XXXX XXXX has repeatedly and recklessly reported and continue to report inaccurate and incomplete data to Equifax to be entered on my personal private consumer report. The inaccuracies and incomplete data is as follows. 
Reporting that I have made 23 percent of my payments on time, this is not reflected on my report. Incomplete and missing and or on time payments for XXXX, XXXX, XXXX, XXXX. Also, as of XX/XX/XXXXXXXX  has changed my days late from 150 to 120 in order to dictate the automated system to generate another 150 day late report. Also, between XXXX XXXX  and XX/XX/XXXX XXXX XXXX XXXX has increased my balance on a closed and charged off account by XXXX, see attached documents.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

My account with those creditors was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 those account 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.

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 2024-02-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (GA)

LVNV FUNDING LLC XXXX I'm unaware of this debt and did not receive proper notification, so I did not have the opportunity to dispute. If you believe proper notification was provided, please the provide the Certified Mail with Receipt with my signature. Otherwise, please DELETE off my credit report.
Consumer complaint received 2024-02-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

1. Citizens neglected to maintain accurate records of my account and RMA ( XX/XX/XXXX letter from Citizens lawyer XXXX vs data on my 3rd RMA application ) 2. Citizens repeatedly attempted to conceal this negligence by consistently willful dilatory tactics since XXXX, and providing misleading and false information to me ( XXXX ), XXXX representatives XXXX XXXX XXXX ), the CFPB ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) and the XXXX XXXX of the Attorney General ( cc 'd on XX/XX/XXXX ). 

3. Citizens continues to engage in bad faith negotiations, not only through the past 18 months but most recently by offering an unfair settlement agreement on XX/XX/XXXX that demanded my compliance before XX/XX/XXXX and then refusing to respond to my timely reply ( XX/XX/XXXX ), follow up ( XX/XX/XXXX ) or provide the paperwork in a timely manner for review as there are now only 3 days before their self-imposed deadline.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

I attempted to place a credit freeze online but was unable to do so. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ) Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-10
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Freedom Mortgage Company (CO)

My XXXX  and I bought a house in XXXX XXXX  XXXX. It had a clear title that was insured by XXXX title. We are now trying to sell the house and the XXXX  and Freedom Mortgage filed paperwork in XXXX XXXX  XXXX, for an unknown mortgage to an unknown person. Per XXXX this has been paid prior to our closing in XXXX XXXX  XXXX. Neither my XXXX or I are have ever ever been in the XXXX. Freedom Mortgage has been contacted prior to the initial closing date of XX/XX/XXXX about this and they keep saying that it will take a few more days. My XXXX is paying $ XXXX in interest because we can not close this house. Our loan is through XXXX XXXX XXXX. 
I believe that Freedom Mortgage should clear this loan off the title as it was put on incorrectly. They should also have to reimburse the interest accrued from XX/XX/XXXX through the actual close.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts, inquiries, and addresses I do not recognize are continued here. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$8300.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$920.00} XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (NC)

I have been experiencing identity theft for a few years. I didn't recognize the problem until XXXX XXXX XXXX  when I was told someone turned in my tax return before I did. I have been working on my credit since XXXX and paying student loans..I had a bunch of issues with studentgov and trying to get a few accounts off my credit report that had nothing to do with me. I paid XXXX XXXX  to help me get my stimulus money due to moving around a lot, not getting mail like I was suppose to, and spending money and time waiting and going back and forth due to account errors and not getting the services I paid for. I decided to just call XXXX XXXX XXXX and nothing was done to help the stress and awful service and MISTAKES MADE! They did nothing to help. I have missed out on money as well waiting because I couldn't do all my returns and/or what needed to be fixed with prior returns. I lost my husband in XXXX and the kids and I went through a lot so by XXXX, I was really behind on filing my returns. When the stimulus money started coming in for everyone else that is when I went to XXXX XXXX for the first time to help me with everything! It has been a horrible experience and business experience for me!
Consumer complaint received 2024-08-02
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. (SC)

I am filing this FTC Identity Theft Affidavit to report fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.o not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-08-02
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 am writing to express my deep concern regarding several disputed accounts on my credit report. I have repeatedly raised the issue of inaccuracies in these accounts and have consistently requested thorough investigations. 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.