davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries :
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries :
Consumer complaint received 2017-05-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (IL)

I was told  last year by Navient Student loan s that I was unable to make payments mid month and still have auto deduct on my loans to get a .25 % deduction. I was trying to pay more on my loans but was not allowed to. I was also but into forbearance without asking many times and I was not offered  a IBR plan until I went through the federal website. I also had to call many times to get my IBR amount so I could start making payments.
Consumer complaint received 2017-05-02
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC (PA)

Creditor call to settle for {$14000.00} its been  7  yrs still paying {$150.00} a mth and the statements show i owe {$21.00} i call only talk to  XXXX  person he said it will show what my balance was before they buy contract..never get actual balance.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. ()

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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 2024-09-24
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)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2017-05-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (IL)

I have sent you documents pertaining to my illegal foreclosure. Some of the documents have been redacted, but my name and other personal information such as email address and home, mailing address has been included. Ditech has already received this information through faxes and local court filings. As yet, Green Tree, LLC. a.k.a. Ditech Financial, LLC has refused to validated the mortgage debt, or conclude their so-called, fraud investigation concerning my mortgage payment account. Ditech has continued to attempt to profit from their own fraud, and fraud perpetrated by XXXX XXXX XXXX and XXXX XXXX XXXX by attempting to move the local court to sell my home regardless of the court 's order vacating the judgment of foreclosure.
Consumer complaint received 2017-05-02
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (TX)

Navient keeps telling me I have to pay on this loan. All my other student loans are deferred due to my income. I keep telling them I do not have the money to afford this. The only reason they will not defer is because my dad is a cosigner on the loan and he has good income. However, I do not and my dad is not helping pay this. I do not know what to do at this time. Your company calls my phone everyday every hour I have missed calls from them just on today. You all have taken money out of my bank account that I never approved of. Yes you put it back after I called and complained but at this time I am really fed up with   XXXX   XXXX   aka navient. I can not afford to pay on this loan and I do not see why you can not defer it with my other loans. Please advise.
Consumer complaint received 2017-05-02
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. (IL)

Sent letter to credit reporting agencies telling them the inquiries on my report are unjustified : the actions fail to comply with FCRA Section 604.   The letters are attached below.   Credit Agencies replied stating they did not need to investigate, verify, or remove inquiries.   Credit Agencies failed to prove  3  requirements and failed to remove inquiries from my credit reports
Consumer complaint received 2017-05-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Broward Adjustment Services (FL)

On   XXXX    , i received a call from a representative from BAS  XXXX  by the name of  XXXX  employee ID :  XXXX  from telephone number   XXXX   XXXX   XXXX   at  XXXX  attempting to collect an alleged debt. I never received a dunning letter. I took the information, and proceeded to send them a letter requesting validation of the alleged debt. I then received a letter from them date d  XX/XX/17   stating that i have n't made any payments on the account, therefore they will report it to the credit reporting agencies and completely ignored my validation letter. I personally contacted the alleged creditor and was informed that i do not owe the company and i have a receipt stating that i owe them {$0.00}. I sent them a letter again requesting that they validate the alleged debt again on  XX/XX/2017   .
Consumer complaint received 2017-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (NY)

The Bank Closed And Blocked My Account From Being Used. and simple bank wont help me with any information on this account there was a direct deposit from   XXXX   XXXX    XXXX  {$440.00}   XXXX   XXXX   XXXX     Was Given to me And  Simple  Bank has not Released the Funds or Return that check back to   XXXX   XXXX  . They have given me none of my money that was left on my account please help with this problem.     The Bank Wont Return ACH Check Back To   XXXX   XXXX    and i have not received my benefits payment from Simple.
Consumer complaint received 2017-05-02
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

I have contacted  Nissan  in writing about enacted information like placing unauthorized inquiry on my credit report. Also I have contacted the  XXXX  credit bureau about information that should have been removed to update my credit report
Consumer complaint received 2017-05-02
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. (IA)

To whom i t may  concern, I submitted a request to have hard inquires deleted of my credit report on-line in order to dispute information, in regards to  XXXX  hard inquiries, that was being reported on my credit report. The request that I submitted included  XXXX  Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA  623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be dis puted and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Consumer complaint received 2024-08-09
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. (TX)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-10-22
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'm not liable for this debt with XXXX XXXX XXXX | do not have a contract with XXXX XXXX  ; they did not provide me with any original contract as requested in accordance with the FCRA Fair Credit Reporting Act. 
XXXX XXXX XXXX has violated my rights ; 15 USC 1681 section 602A. 15 USC 1681 section 604A section 2, 15 USC 1681c ( a ) ( 5 ), 15USC16815-2 ( A ) ( 1 )
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

Creditor Name : XXXX XXXX Date : XX/XX/23 Action : When contacting Experian to remove inquiry they advised me to contact the creditor which I did. The creditor would not assist me in the removal of the inquiry so I am filing a complaint with the CFPB.
Consumer complaint received 2017-05-02
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (FL)

Yesterday, I received a letter from  XXXX  XXXX  XXXX  with an address for Chase-  XXXX    XXXX .  XXXX   XXXX ,  XXXX , TX  XXXX  with a request to send proof of tax payment before  XXXX   XXXX ,    2017  or to fax  XXXX . They claim that as of  XXXX   XXXX ,  2017 , there are outstanding taxes for the property.   I called  Chase  customer service this morning and the customer service representative verified that we do NOT have an escrow account with  Chase  and then added the tax  specialist  to the telephone call. The tax specialist said the letter was a courtesy letter so  the   county  would NOT take our property for unpaid taxes. I verified on-line in public records that the taxes had been paid and the date paid is before  XXXX   XXXX ,  2017 .   I also went to the tax collector 's office and got a receipt yesterday afternoon.   The tax  specialist  did NOT answer any of my questions. The telephone call was NOT recorded in its entirety, the beep of recording began after I asked the tax specialist who sent the letter and would I receive another letter with resolution of the information in this letter.   I 'm angry, because for a courtesy letter, it said that they did not receive a response from us by  XXXX   XXXX ,  2017 , Chase would pay all outstanding taxes and penalties and interest for the property. We may also establish an escrow account to pay future taxes, which will cause your monthly mortgage payments to increase.   Important  Legal  Information This communication is an attempt to collect a debt and any information obtained will be used for that purpose. However, to the extent your original obligation was  discharged  or is subject to an automatic stay of bankruptcy under Title  11  of the United States Code, this notice is for compliance with non-bankruptcy law and/or informational purposes only and does not constitute an attempt to collect a debt or to impose personal liability for such obligation. Nothing in this letter  ( including our use of the words " your, '' " loan, '' " mortgage, '' or " account '' ) means that you 're required to repay a debt that 's been discharged. Any payment you make on the account is voluntary, but we may still have rights under the security instrument, including the right to foreclose on the property.     If you are represented by an attorney, please refer this letter to your attorney and provide us with the attorney 's name, address, and telephone number.    XXXX   XXXX   Order  :  XXXX  Please help us to resolve this issue.   Thank you.
Consumer complaint received 2017-05-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (CO)

I have a student loan with  XXXX  ( now Navient ) since  XXXX . I have struggled with making payments since I got the loans and still walked out owing when I was left with no degree or certificate. I have attempted borrowers defense and the only  discharged  the  XXXX  from  XXXX  being closed. I ended up filing bankruptcy  XXXX  and this STILL is the only debt I have. They never advised me of the  IBR  until  XXXX  and even the interest is increasing my loans and effecting my  credit score . I filed a complaint with Ombudsman that mandated they remove my payment history from  XXXX / XXXX / XXXX  back t  XXXX  and they still wont remove the history. I do not feel I owe these loans and have failed to help manage them since  XXXX . The loans went from  7,000  to now over 12,000 over the course of  XXXX  years. They have multiple accts listed making it look like there are more loans than there actually are. And I have done disputes on my credit report and still not rectified. They advised me to consolidate the loans now they are listed under  XXXX
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 

XXXX XXXX XXXX XXXX XXXX  {$1500.00} Date Opened XX/XX/XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX 2024
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

I am writing to formally complain against EQUIFAX regarding inaccuracies in my personal information and addresses in your records. 
Personal Information : My legal Name is : XXXX XXXX XXXX XXXX My Address is : XXXX XXXX XXXX, XXXX XXXX, IL XXXX My Date of Birth : XX/XX/year> My last XXXX XXXX XXXX XXXX Social Security Number : XXXX My Employment : XXXX XXXX I have noticed that your records contain multiple names and addresses associated with my profile. This is not only confusing but can also adversely affect my ability to obtain credit and harms my credit reputation. I request that you correct and update my personal information to reflect only one name and one address, and remove any names or addresses tied to credit companies that are incorrect or should not be associated with me.

According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to maintain the accuracy of information in my credit report and to request the correction of inaccuracies.

Additional Documentation : I have attached copies of documents that support my identity and residence. 
Thank you for your attention to this matter, and I look forward to your prompt response. 
Regards XXXX XXXX
Consumer complaint received 2024-10-23
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. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KY)

I am filing this request because   XXXX   has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that I disputed. They have gone past  the thirty day m arks to verify these accounts. under section  611   (  5 ) ( a ) they are to promptly remove items that can not be verified. that I have disputed.         account name tax lien on  XXXX  in  XXXX  county account number  XXXX  date filed  XXXX  account name collection with  XXXX  acct number  XXXX  account name.   XXXX   XXXX   account number  XXXX   XXXX  account number  XXXX  account name  XXXX    XXXX   XXXX   account name   XXXX   XXXX   account number  XXXX  all of these items are on my  XXXX  report and need to be removed immediatly
Consumer complaint received 2024-10-22
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)

XXXX XXXX XXXX Recently, i did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681 e ( b ) Accuracy of report whenever a consumer reporting agenvy prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

16 U.S. Code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shallj ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Accounts XXXX XXXX XXXX XXXX XXXX XXXX  this account is being reported inaccurately.
Consumer complaint received 2017-05-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (AZ)

In early    XXXX   I re ceived   XXXX   emails from Best Buy advising me of  XXXX  orders. I did not purchase anything. I immediately called Best Buy to advise them that they were fraudulent. I also told them that since the orders were not shipped that they should cancel them.   I was transferred to Citibank to report the situation. They advised me to cancel the card and they were to issue me a new  one.  He assured me that I would not be responsible for the charges.  Two d ays later I received notice that  XXXX  of the  XXXX  items were shipped! Mistakenly I thought at that time it was handled. On   XXXX   XXXX   I received a bill for these purchases. I immediately contacted Citibank and at that time the representative said she would start a claim. I guess the representative that took the original call did n't properly deal with the issue.   Now I receive collection calls every couple of days. On  XXXX  I called Citibank again and told them to stop the calls. I also complained on the Citibank social media page. The  XXXX  rep gave me a number to call and after speaking to two reps I was transferred to an answering machine where I was told someone would return my call in  24-48 hours .   I have made several calls, emails, and messages. All I get is an  endless trail  of voice prompts and empty apologies. I have a credit rating of over  XXXX . I do n't want this to do any harm to that and need the phone calls to stop.
Consumer complaint received 2024-10-18
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

I purchased several prepaid cards and they don't work. Received replacement cards and they also don't work. Emailed over my activation receipts and ID, the cards still don't work. Now I'm being told it'll take up to 30 days?!?