davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-14
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)

I believe FCRA 605B requires us to remove any inaccurate accounts from my credit report. Can you please check the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates reported.
Consumer complaint received 2024-05-14
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. (AZ)

Pertaining to XXXX XXXX XXXX XXXX XXXX, NE XXXX Furnishing False Statements on consumer 's Credit Report as well as committing Mail Fraud sending consumer Unauthorized Solicitation, like fake invoices to the consumer in regards of making the consumer reliable for a fraudulent debt payment which is the responsibility of XXXX.
Consumer complaint received 2024-05-14
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)

I have reached out on my credit to Equifax and other credit bureaus about this issue Equifax has stated that these accounts just open XXXX XXXX XXXX and the last payment was made XXXX I wasn't even in the state of XXXX and I was homeless no job and I told them that is not me so I did a little more research myself and called the XXXX XXXX bureau that was located on my credit report and they said that someone used your information and describe my information and they said that they sent these private loans to two different accounts that the person did it online and I'm like well that is not me and they would not provide me any more information so XXXX XXXX went and had to investigate but did not do it thoroughly investigation and only identify my information of date of birth social and not ask the school board when was these accounts open because they told me the account was open XXXX that's what the student loan board told me and Equifax told me the counts was open XX/XX/XXXX so something is not adding up and they said it's three different accounts it's not the XXXX account Equifax told me but the XXXX XXXX told me those two loans are equal to the XXXX account it is not me
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-05-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (FL)

Cardinal Financial was hesitant to approve my loan modification application despite repeated assurances that it was in progress. They instructed me to continue making trial payments, but instead of being billed for the trial payment, I received a bill for the full payment amount. This unexpected discrepancy caused me to fall further behind on my payments. In desperation, I sought assistance from the XXXX program, which granted me approval. They provided the necessary payments, including arrears, and instructed me to pay the modification amount of {$890.00}. Despite waiting patiently, I received no response. 

Left with no alternative, I contacted the XXXXXXXX XXXX XXXX XXXX XXXX  XXXX. After filing a complaint and providing proof of the XXXX funds, Cardinal Financial finally moved forward with finalizing the modification. However, due to mismanagement of my loan and incorrect allocation of funds, they returned the money to the XXXX XXXX  XXXX, resulting in a negative balance on my account. Now, Cardinal Financial is threatening foreclosure, claiming that I have defaulted. 

I diligently followed all instructions given to me and was under the impression that my account was current. Cardinal Financial failed to inform me that the funds were returned, leaving me in the dark and unable to seek assistance. My only recourse was to file a complaint due to Cardinal Financial 's neglect of the modification process., mishandled of my account and money received, lack of communication. 
In addition, I am currently in bankruptcy proceedings until XX/XX/2025, and despite this fact, Cardinal Financial has been persistently harassing me by phone and sending me certified and regular mail. Their actions blatantly disregard the protections afforded to me under bankruptcy laws. It is essential to note that my current financial predicament is a direct result of Cardinal Financial 's mismanagement of my account.
Consumer complaint received 2024-01-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (TX)

Summary : was told I was on autopay, but still was required to make manual payments resulting in loans not being paid on time. 

On XXXX XXXX I logged into my online portal for Edfinancial and paid for my due amounts and signed up for Auto Pay. 
I received an email confirming I signed up for Autopay, and that my start date would be in XXXX. 

Fast forward to XXXX I receive notice that I am late on payments and have not paid for XXXX Loans. 

I look in the Portal everything is configured correctly with valid payment info. I submit a payment to cover the fees in a one time using the same payment info and it processes. 

I call in to confirm I am enrolled on Auto-Pay, and am informed that despite signing up for Autopay I needed to make the next two payments manually. I double confirmed that despite saying Autopay Started in XXXX, I would need to make my next two payments from that date manually and the agent double confirmed. This was not stated anywhere in the online process for Auto Pay enrollment and is super misleading. 

I was then told because I was " late payment '' I would need to reenroll in autopay, so despite all the details showing correctly in the XXXX for AutoPay I needed to restart it and then once again manually pay for the Auto Pay for 2 months. No where in the online process was this stated. 

This is either deceitful or insanely negligent and incompetent, neither of which are acceptable when people 's finances are on the line.
Consumer complaint received 2024-05-14
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)

XXXX XXXXXXXX XXXX Account number XXXX, you are reporting this collection as an ''Open '' Account which is not under FCRA Complicance . this is inaccurate reporting and needs to be removed of my credit report immediately. please send me a copy of my credit report when the above deletion has been removed, Please attach of the following, 1 the purchase agreement 2, Agreement with your client that grants collection company name the authority to collect this alleged debt 3, signed agreement debtor has made with debt collector, or other verifiable proof of debtor has a contractual obligation to pay debt collector. 4, date of the original charge off or delinquency. any agreement that bears the signature of debtor, wherein agreed to pay creditor
Consumer complaint received 2024-01-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (TX)

Joe Biden said he would forgive student loans but in the mean time he would return any payments made during the pandemic pause payment period. 

I request my payment to be refunded I received a partial payment of about XXXX This was not the total I had paid Ed finacial said I was correct and said they sent another XXXX to the dept of treasury for disbursement I never got refund
Consumer complaint received 2016-10-18
Product: Debt collection — Payday loan
Issue: Communication tactics — Called after sent written cease of comm
Company: AmeriCash Holding LLC (IL)

Consolidated the payday loan from Americash with XXXX XXXX XXXX. Americash repeatedly calls me regarding this loan. XXXX XXXX XXXX has power of attorney and they sent a cease and desist letter not to contact me at my place of business and today, XXXX XXXX, they called both my cell phone and my business phone.
Consumer complaint received 2021-02-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company (IL)

MERCHANTS CREDIT GUIDE IS A THIRD PARTY DEBT COLLECTION COMPANY IS REPORTING INACCURATE INFORMATION OF A ALLEGED DEBT THAT IS NOT MINE. THEY HAVE NOT RESPONDED WITHIN 30 DAYS WHICH IS A VIOLATION AND HAVE NOT PROVIDED ANY CONTRACT BEARING MY SIGNATURE CONNECTING ME TO THE DEBT. ALSO I NEVER SIGNED A HIPPA REQUEST FORM SO THEY ARE VIOLATING MY HIPPA RIGHTS REPORTING THIS ALLEGED MEDICAL DEBT TO MY CONSUMER REPORTS. I WANT THEM TO REMOVE THIS DEBT
Consumer complaint received 2024-05-31
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)

Im a victim of identity theft and I have a FTC Affidavit that Ive submitted to the Equifax but theyve refused to remove the fraudulent accounts. 
I have no knowledge of the accounts and requested the bureaus provide me with information regarding their decision and they are violating my consumer rights by refusing to provide me with proof. The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

The charge card company XXXX or " XXXX '' as stated on my credit reports refused to respond to the numerous request sent in to them by the credit bureaus on my behalf. I used my XXXX XXXX charge card one time in the total of {$1600.00} and promptly paid the balance off in full. Seeing though I am in the market to purchase a vehicle for my business, I need the decrease in credit utilization to give my scores a huge boost so that I can secure the financing for said vehicle. However, when I called in to XXXX on the XXXX of XXXX to ask why haven't they responded to my disputes to update my account, I was told that due to the company 's protocol of updating account information, they will not honor my request to XXXX out my balance before the XXXX are up and since my account is updated once a month on the XXXX, that I would have to wait until the XXXX of XXXX to see that payment reflected. I found this to be quite strange and annoying seeing as any negative information that happens with my account would be reported and updated immediately, plus I never been told by a creditor that they will not respond to a dispute opened by the credit reporting agencies. I was given a XXXX balance letter by XXXX of the reps but, they must've known that the letter is futile if the company doesn't respond to the dispute because that is exactly what XXXX XXXX and Equifax told me. Basically the XXXX balance statement is worthless.This has cause me great strife and many financial setbacks. I've been denied loans lines of credit and many other things due to my utilization being too high and mostly from this XXXX account.
Consumer complaint received 2024-06-06
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. (CA)

I am writing to file a formal complaint against XXXX XXXX XXXX Account # XXXX, a third-party debt collector, for violating the Fair Debt Collection Practices Act ( FDCPA ) and to seek monetary relief for the distress and financial harm caused by their actions. 

Complaint Details : Debt Collector : XXXX XXXX XXXX Account # XXXX Nature of Complaint : Lack of Written Notification : XXXX XXXX XXXX Account # XXXX did not notify me in writing about the alleged debt before placing it on my credit report. This is a direct violation of the FDCPA, which requires debt collectors to provide written notice of the debt and an opportunity to dispute it before taking adverse action. 

No Contract or Business Relationship : I have never engaged in any business with XXXX XXXX XXXX Account # XXXX and have no contractual agreement with them. Their claim is unfounded and unauthorized. 

Inaccurate Reporting : The account information reported by XXXX XXXX XXXX Account # XXXX is inaccurate and incomplete. The balance listed on my credit report does not match any previous obligations, and the presence of " payment terms of 1 month '' is misleading and incorrect for a collection account. 

Unauthorized Credit Report Entry : XXXX XXXX XXXX Account # XXXX added this account to my credit report without my consent, violating my right to privacy. They have failed to provide any evidence of my consent or their right to report this debt. 

Impact : The actions of XXXX XXXX XXXX Account # XXXX have significantly harmed my credit score, caused undue stress, and potentially affected my ability to obtain credit, housing, and employment. Their failure to comply with the FDCPA has also caused emotional distress and financial instability.
Consumer complaint received 2019-10-04
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (OH)

Macy claim I miss three payment and took my limit down from {$300.00} to {$100.00} after I paid most of the payment it cause my credit to go down 41points.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

On XX/XX/2023 XXXX XXXX chose to close my account as paid, as documented on previous dispute. They said they had submitted this account for deletion but it is still recording Voluntary Surrender on my report. Under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/corporation making the report is to be EXCLUDED on the consumer reports, yet you are STILL reporting to my consumer reports. I demand that these items be removed from XXXX, Equifax and XXXX immediately. This is great preventing and damaging my ability in obtaining lines of credit, & further my career.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-06-06
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. (CA)

This is a formal complaint against XXXX  Account # XXXX, a third-party debt collector, for violating the Fair Debt Collection Practices Act ( FDCPA ) and to seek monetary relief for the distress and financial harm caused by their actions. 

Complaint Details : * Debt Collector : XXXX Account # XXXX Nature of Complaint : XXXX. Lack of XXXX XXXX : XXXX Account # XXXX did not notify me in writing about the alleged debt before placing it on my credit report. This is a direct violation of the FDCPA, which requires debt XXXX to provide written notice of the debt and an opportunity to dispute it before taking adverse action. 

XXXX. No Contract or Business Relationship : I have never engaged in any business with XXXX  Account # XXXX and have no contractual agreement with them. Their claim is unfounded and unauthorized. 

XXXX. Inaccurate Reporting : The account information reported by XXXX Account # XXXX is inaccurate and incomplete. The balance listed on my credit report does not match any previous obligations, and the presence of " payment terms of 1 month '' is misleading and incorrect for a collection account. 

XXXX. Unauthorized Credit Report Entry : XXXX  Account # XXXX added this account to my credit report without my consent, violating my right to privacy. They have failed to provide any evidence of my consent or their right to report this debt.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2023 XXXX XXXX chose to close my account as paid, as documented on previous dispute. They said they had submitted this account for deletion but it is still recording Voluntary Surrender on my report. Under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/corporation making the report is to be EXCLUDED on the consumer reports, yet you are STILL reporting to my consumer reports. I demand that these items be removed from XXXX, XXXX and Transunion immediately. This is great preventing and damaging my ability in obtaining lines of credit, & further my career.
Consumer complaint received 2024-09-15
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: EQUIFAX, INC. (NY)

Equifax furnished and shared information without my written consent or given an option to opt out. All rights were violated under the free credit reporting act, and the consumer laws not being followed as the company Equifax removed a report upon request due to consumer law violations, but later furnished and shared The same information without notice it is my understanding that you are in violation of consumer laws under the fair credit reporting act you are violating my consumer rights and I demand the accounts be re-removed immediately due to violations of not notifying me and or producing any proof of contract
Consumer complaint received 2024-05-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (MO)

Dear Sir/Madam, I am writing to formally express my dissatisfaction with the process of refinancing my auto loan and the overall customer service experience I have received from Ally. 

On XX/XX/year>, I called Ally to request an extension on my loan but was informed that it was not warranted due to a XXXX grace period. Subsequently, on XX/XX/year>, I applied for an auto loan refinancing with XXXX XXXX XXXX XXXX and contacted Ally to obtain the payoff amount, which was provided as {$40000.00} with a daily interest addition of {$10.00}. 

On XX/XX/year>, I mailed a check from XXXX XXXX XXXX XXXX to the address provided by Ally : Ally Payment Processing Center, XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX. However, on XX/XX/year>, I called Ally to inquire why my account balance did not reflect a paid-in-full status. The representative I spoke to did not understand the concept of a loan endorsement check, could not locate the check, refused to transfer my call to a supervisor, and eventually hung up on me. 

On XX/XX/year>, I called again to discuss the unsatisfactory customer service and the issue with the loan endorsement check. I also informed Ally that XXXX XXXX XXXX XXXX was in the process of reissuing the check. Despite this, Ally refused to accept the original loan payoff amount, added additional fees to my account, and has since placed my account in collections. 

Throughout these interactions, the customer service representatives have failed to provide their names or identification numbers, have not recorded notes in my file despite calls being recorded, and have consistently displayed a lack of professionalism and willingness to resolve the issue. 

This experience has been extremely frustrating and unacceptable. Please acknowledge receipt of this letter and inform me of the steps Ally will take to resolve this issue. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IA)

Reference CFPB # XXXX and Fraud Case XXXX I faxed the required documents on XXXX and when I called again to follow up on the status on XX/XX/12 I was told it was never received. 

Attached is a copy of the confirmation and docs again. Please provide your full fraud report, investigation, and your findings. 

Also XXXX XXXX stated they would email the bank statements to XXXX but it was never received.