davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (SC)

I have lifted a freeze with Equifax multiple times through their website. Each time it indicates that is has been lifted, however, my lender is still unable to pull my file in order to get a loan. I called them and I'm told that the freeze is lifted but that I need to send in documents to confirm my account. At no point over the past several days was I given any indication that this would be needed which has cost me valuable time as this is an emergency situation and I don't have time now to send anything in. This is very misleading to consumers who think their account is unfrozen only to find out later that isn't really the case. As a result of this and XXXX  mother with a XXXX XXXXXXXX XXXX baby is now going to be homeless as of this eveninig.
Consumer complaint received 2024-04-16
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. (MD)

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 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 2024-04-16
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. (TX)

I am writing to express my deep dissatisfaction with the ongoing presence of late, closed, and charged-off accounts on my credit report, despite making repeated attempts to have them removed. This letter serves as a formal complaint regarding the handling of my credit file. 

Despite providing evidence of inaccuracies and engaging in due process according to the Fair Credit Reporting Act ( FCRA ), I have not seen any meaningful resolution to this issue. 

The inclusion of these erroneous accounts has hindered my ability to secure favorable credit terms, obtain loans, and pursue other financial endeavors. Furthermore, it has caused undue stress and frustration as I continue to navigate through this ordeal without any tangible progress. 

I demand immediate action to rectify this situation. Specifically, I request that the aforementioned late, closed, and charged-off accounts be thoroughly investigated and promptly removed from my credit report. Additionally, I expect a formal explanation for the repeated failure to address my concerns in a timely and satisfactory manner. With this, I am asking for your assistance to remove these accounts in my credit file : DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$200.00} XXXX
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 XXXX
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing.
Consumer complaint received 2024-02-02
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. (TX)

I appreciate you making an effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-02
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. (CA)

This complaint serves as a follow-up to my recent grievance, emphasizing the urgency of my request. I reiterate my plea for you to promptly initiate the removal of the specified inquiry from my Equifax credit report. Given the substantiated nature of my claim, I trust that you will expedite the elimination of this inquiry at your earliest convenience : XXXX XX/XX/2023. I implore you to honor my request and expunge this inquiry from my file.
Consumer complaint received 2024-04-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (AZ)

I am writing to address a concerning matter regarding my previous auto insurance policy with XXXX. The monthly balance of {$120.00} for the period from XX/XX/XXXX through XX/XX/XXXX was settled in full on XX/XX/XXXX, well before the cancellation date of XX/XX/XXXX, as per the terms of the original policy. 

However, following this settlement, XXXX made an unauthorized withdrawal of an additional {$290.00} from my account on XX/XX/XXXX, leading me to promptly cancel the policy. This amount was fortunately reversed on XX/XX/XXXX. Upon querying XXXX regarding the reasons for these charges, they cited an untypical circumstance : a change of address from California to Arizona in early XX/XX/XXXX, which is typically associated with lower rates. 

Despite the lack of resolution to this issue, XXXX attempted to collect a remaining balance of {$53.00}. Moreover, on XX/XX/XXXX, XXXX inexplicably reversed {$240.00} from my account, despite their initial claim of a {$53.00} remaining balance. To compound matters, XXXX subsequently sent this disputed {$53.00} balance to collections and reported it to credit agencies.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

In reference to the complaint ID XXXX. The US Department of Education failed to reply or fix issues related to said complaint ID XXXX. They Violated FERPA 20 USC 1232g ( B ) Release of education records ; parental consent requirement ; exceptions ; compliance with judicial orders and subpoenas ; audit and evaluation of federally-supported education programs ; recordkeeping. The accounts are also over 7 years old which violates FCRA. They are also reporting conflicting information across all credit bureaus. Tender of payment was made and not applied to account. These matters has caused both stress and endangerment of my life. On contract with Direct Loans and XXXX  which are now transferred to US Department of Education Default Resolution group, the promissory note states they would not share my personal information with any third party which XXXX sales information about consumers on USIS which includes my personal information through both direct and Indirect Channels According to their SEC Registration XXXX, 10-k form, and this violates FERPA and the privacy act of 1974. Equifax acquired XXXX XXXX, a third party which also holds US Department of Education accounts on my credit report from Equifax system, and buy and sales information which is a breach of The Privacy Act of 1974.XXXX uses the London Stock exchange without my consent of soliciting my personal information breach of the Privacy act of 1974.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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 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 2024-02-02
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the account I am concerned about : XXXX XXXX
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 2019-08-25
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. (FL)

I DISCOVERED SEVERAL ACCOUNTS LISTED ON MY CREDIT REPORT THAT DO NOT BELONG TO ME, WHICH MEANS I DID NOT OPEN ANY OF THESE ACCOUNTS LISTED & WOULD LIKE ALL ACCOUNTS BLOCKED AND DELETED.
Consumer complaint received 2024-02-02
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or 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
Consumer complaint received 2024-04-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: RoundPoint Mortgage Servicing LLC (DC)

My loan was transferred from XXXXXXXX XXXX to Roundpoint Mortgage. Under XXXX they were willing to apply SCRA protections. 

Important Account Messages ( Noted on the statement ) : Thank you for your service! Under 50 USC 3937 of the Servicemembers Civil Relief Act ( SCRA ), the interest rate on the mortgage loan has been reduced to 6 % while you are on XXXX XXXX and for 12 months after your XXXX XXXX terminates. The interest shown in the Account Information will continue to reflect the rate shown in the Note ; however, the monthly payment amount has been adjusted to reflect the rate reduction. This adjustment is shown as a Replacement Reserve credit in the Explanation of Amount Due section of this statement. 

On or about XX/XX/2024 my loan transferred to Roundpoint who stripped the protections from my loan. I had called them and emailed them. The first email was sent on XX/XX/2024 and the second email was sent on XX/XX/2024. On XX/XX/2024, I received a message back from them stating the following : Loan : XXXX Property : XXXX XXXX XXXX, XXXX, MD XXXX Delivered via email to XXXX Dear XXXX XXXX, We are responding to your email, which we received on XX/XX/2024. Your email indicates your loan transferred to RoundPoint Mortgage Servicing LLC ( RoundPoint ) ; however, the loan did not transfer with SCRA protections. You request RoundPoint credit the account and reinstate the protections. Whats Important to Know Our research confirms you are not eligible for SCRA protection or an interest rate adjustment, as the loan originated after your XXXX XXXX start date. We have enclosed the SCRA Protection Eligibility Letter for your reference. We hope this information satisfactorily addresses your concerns. 
Further Details Our review indicates there has been no error by RoundPoint in the servicing of the mortgage loan. Federal law provides the right to request documents we relied upon in reaching this determination. For convenience, the relevant documentation is enclosed with this response. 

Based on the XXXX statement and note, protections were granted and yet Roundpoint removed them and has failed to recognize as such and reinstate them along with any refunds owed due to interest above 6 %.
Consumer complaint received 2019-08-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I DISCOVERED SEVERAL ACCOUNTS LISTED ON MY CREDIT REPORT THAT DO NOT BELONG TO ME, WHICH MEANS I DID NOT OPEN ANY OF THESE ACCOUNTS LISTED & WOULD LIKE ALL ACCOUNTS BLOCKED AND DELETED.
Consumer complaint received 2023-06-14
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: EQUIFAX, INC. (CA)

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX  data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2024-04-16
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. (TN)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 2024-04-29
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. (NJ)

My information was disclosed to a third party without my permissible purpose! 
As per the FCRA, as a Federally Protected Consumer, I am now OPTING OUT of ANY and ALL Authorization ( s ) that I, ( CONSUMER NAME ), may have given the data furnisher ; whether written, unwritten, verbal or non-verbal as per : 12 CFR 1016.7 ( a ) ( 1 ) ( ii ) - Form of opt-out notice to consumers ; opt-out methods 15 USC 6802 ( b ) ( 1 ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information ***This Opt-Out Authorization is effective IMMEDIATELY and INDEFINITELY!
Consumer complaint received 2024-02-02
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. (NJ)

I appreciate you making an effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX XXXX
Consumer complaint received 2019-08-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (KS)

My balance actually goes UP every month. I have called, and sent numerous emails over the past 60 days with NO RETURN call. I get texts that ask If my Navient problem has been taken care of -- -I reply NO. Nothing else happens. I had been paying interest only for years and did not even realize it. NOticed my balance staying the same and made contact to increase my monthly payment. No balance is higher.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-02
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. (NJ)

XXXX XXXX XXXX XXXX Equifax has violated my rights. 
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 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-02
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my XXXXXXXX  well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

Filed dispute to have old discover account deleted from my file with Equifax in XX/XX/XXXX. Original date of first major delinquency was XX/XX/XXXX. After my dispute, they changed my date of first major delinquency on this account to XX/XX/XXXX, which is not accurate. 

I have attached screen shots of the XXXX report and current for XXXX to show the incorrect reporting of the first major delinquency that was updated incorrectly after my dispute. There has been no activity on this account on my part in more than 7 years ( aside from a dispute for removal ).