davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-11
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. (MS)

I have been trying to get housing and have been unable to due to the negative items on my account credit reports through the following credit bureaus : XXXX, XXXX XXXX, and Equifax. I have disputed all these negative items redundantly without proper investigation. The negative items include : Collection Accounts from XXXX XXXX XXXX XXXX XXXX TN Child Support Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX " In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. According to 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 166 B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. '' There should not be any damages on my account. It is a declamation of character.

These damaging items have preventing me from obtaining housing, growing my business as a professional, obtaining better employment, and credit needed to be successful and to take care of my family,
Consumer complaint received 2024-05-11
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. (IL)

XXXX XXXX stated I had XXXX  day late payment but the money came out of my account on XX/XX/2024 in the amount of {$420.00} my due date is the XXXX of every month. I have proven transactions statement from bank to prove this amount was taken out of my account from XXXX XXXX.
Consumer complaint received 2019-03-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (TX)

I am in the process of going through a short sale with US Bank Mortgage. I have an offer on the house but US Bank refused to acknowledge the offer. US Bank is asking for {$190000.00} but my house did not appraise nearly that amount. My realtor continues to request US Bank to decrease and accept the appraised amount, but they are in the process of denying it. The homes in my area are not appraising for that amount. I do not want to lose this buyer and I tried to do everything I could to share with them what's going on. I have a HUD partial claim on my loan which brings my total to XXXX. I only paid XXXX for my home. 

Please contact me as soon as possible.
Consumer complaint received 2024-05-11
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. (MA)

DELETE HARD INQUIRIES In accordance whit the fair credit reporting act, the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish an account whit out my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Seccin 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 1681 s-2 ( A ) ( a ) 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.

Delete the accounts below. 

XXXX XX/XX/year> EQUIFAX
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (CA)

I have received multiple hard inquiries on my account that are not me. 
Between XX/XX/XXXX and XX/XX/XXXX under the name comenity XXXXXXXX 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 2024-05-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (GA)

My Parent XXXX XXXX for XXXX kid 's college education is now serviced by MOHELA. 
I keep getting statements in the mail ( recent one dated XXXX ) regarding XXXX of the XXXX loans and showing an amount due. ( XXXX ) It shows no previous payments made. 

I have called every other month or so for a year to tell them I am paying on all XXXX loans ( {$770.00} per month ), for the most part we paid even during the halt on payments from the government during XXXX. The person on the phone said they show I am repaying all XXXX loans, and the mailed statements are incorrect. 
I am VERY XXXX that this is not accurate information, and I am uncomfortable with the prospect of potential negative impact to my credit. I do not understand why they are separating some loans out, and afraid they are adding charges as a result. 
I need clarification on the repayment status of my loans and for them to stop sending incorrect statements to me in the mail!
Consumer complaint received 2024-08-09
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Finance of America Holdings LLC (CA)

Review : Frustrating Experience with Finance of America Reverse Weve been dealing with Finance of America Reverse for months now, and the experience has been nothing short of exhausting. Were deeply disappointed with how this company has handled our application. As seniors trying to make the best financial decisions for our future, we expected a smoother process. Instead, weve encountered endless delays, constant requests for more documents, and a frustrating lack of communication.

Weve jumped through every hoop theyve thrown at usgiving up our car, paying down debt, and promptly providing every piece of information they requested. Yet, at the final hour, they kept coming back, asking for more and more from our HOA, which has already expressed extreme frustration at repeatedly sending the same documents. It feels like Finance of America Reverse is deliberately looking for reasons to deny our application, despite us meeting all the qualifications.

Whats worse, even Mutual of Omaha confirmed that they would approve our loan, and they dont understand why Finance of America Reverse is making this so difficult. Its clear that theyre not interested in helping seniors unless they fit into a perfect mold. This process has been completely unreasonable, and we feel like were being set up to fail. We need help navigating this, as weve done everything right, but they continue to put up barriers.

Sincerely, Another Senior Left Behind
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

Attempting to access my credit report security freeze with Experian invariably results in being intercepted with an offer for their Experian XXXX XXXX service immediately after login. There is no method by which to decline the offer and continue on to managing my credit freeze without being extorted into signing up for their XXXX service. This occurs even when signing in with an existing account.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

i am writing to request an investigation of the following information that appers on chexsystems consumers report i have Never opened or use the following account open date XX/XX/scrub>XXXX XXXX XXXX account XXXX routeing XXXX my cousumer id XXXX please remove from chexsystems i dont recognize the following account in question im a victim of identity theft and i dont recognize this account on my report im requesting the following information be deleted from my chexsystem report immediatey i ve attached copy of the report to this request
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Inquiries : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX  XX/XX/XXXX : XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/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 XXXXXX/XX/XXXX : XXXX XXXX XX/XX/XXXX :
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I'm filing this complaint pursuant to FCRA 605B. I was a victim of identity theft and noticed some fraudulent account open in my name. These fraudulent account consist of XXXX XXXX XXXX mortgage loan, unsecured loan from XXXX XXXX XXXX XXXX, a collections account from XXXX XXXX and 4 hard inquires. Please see attatched FTC Identity theft report for more details. Please remove these fraudulent accounts immediately.
Consumer complaint received 2023-08-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (IL)

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clealy stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

I am not responsible for the XXXX account on my credit report. My husband removed me as an authorized user months ago. Everytime I dispute it with equifax they close the dispute without explanation. It's ridiculous. A simple check with XXXX would prove I am not responsible for the account. I have provided proof from penfed where I was removed as an authorized user months ago and they ignore it. They never read the disputes I file with them. I am considering legal action against Equifax.
Consumer complaint received 2016-03-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MA)

They took my money via wire transfer and promised a recast of my mortgage and did not do what they said they were going to do. It has been 3 months of fighting with them to correct the new payment amount. They lie, say there is no recast department however their forms sent on their letterhead states Att : Recast ; they say they never received the forms, I sent the tracking slip from the post office showing they received it ; they state they never received my emails but when I log into THEIR online messaging system it shows all of my emails to them along with their generic auto response : Thank you for contacting Nationstar a customer service representative will contact you '' which they never do!. They drop my calls and refuse to help, they are predatory lenders. To date, I have spent several hours on the phone with them as well as faxing and emailing them with no response or help whatsoever.
Consumer complaint received 2024-05-09
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: EQUIFAX, INC. (TX)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2024-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have reported the escrow errors in the annual analysis they have run for 2024. They have multiple errors but refuse to rerun the escrow analysis for us. I have reported the errors and requested a new analysis, but they refuse to provide a corrected analysis. They just keep giving the old analysis without any changes, even though it is wrong in ways that are in their favor. I want someone to investigate this company 's refusal to comply with the laws. This company will not provide accurate annual analysis. This is the 3rd year and I will not keep letting them fraudulently keep extra money in escrow. I have included new documentation that highlights their errors.
Consumer complaint received 2023-07-03
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: Experian Information Solutions Inc. (AZ)

I XXXX XXXX XXXX, am writing today to assert my federally protected consumer rights, and complain about the way the consumer reporting agencies have misused my Personal Private Information in accordance with the Gramm-Leach-Bliley Act. These three consumer reporting agencies have discriminated against me in pursuant to 15 U.S.C1691 ( a ) ( 3 ) and have broken MANY other laws including but not limited to : 15 U.S.C 1681 ( 2 ) ( b ) and 15 U.S.C. 1681 ( n ) ( a ).

I have attempted to rectify this situation via an Affidavit ( Attached ) and received replies from the agencie 's that 'my " credit score is valid and accurate. 

On XX/XX/XXXX, I sent all three consumer reporting agencies an affidavit via Certified Mail XXXX XXXX, explaining that they have violated my rights and a way to remedy. 

The credit score these consumer reporting agencies have furnished for me has never been 'authorized ' by me at any time, and the contents of my score are also not valid or correct.

In my affidavit, I annotated the incorrect items which were displayed on my user profile 's on their respective websites.

Each of the agencies wrote back saying that the credit score was valid and accurate.

15 U.S.C. 1681b ( a ) ( 2 ), states : any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 
There has never been any written consent from me as the natural person and consumer to allow any consumer reporting agency to furnish my consumer report. 

I demand that Experian, XXXX and XXXX remove the items that I annotated in my affidavit ( under Exhibit A ). These items on the score have been illegally furnished on the credit report and should not be there as I do not consent to them. 

Furthermore, I also sent accompanying my affidavit, a Demand for Equitable Remedy.

For breaking the law, and violating my rights as a federally protected consumer, I demand the remedy be paid.

Totaling {$18000.00} for 18 separate violations. 
I am demanding that all three of the consumer reporting agencies ( XXXX, XXXX XXXX Experian ) that were illegally reporting on my consumer report, pay {$18000.00} for XXXX seperate violations. 

To be clear, the Demand for Equitable Remedy is {$18000.00} from each one of the consumer reporting agencies, totaling {$56000.00}. That is 18 violations from each one of the consumer reporting agencies. A total of 56 violations.

I have been denied credit, job opportunities, and financial opportunities because of these inaccuracies.

I have not and do not consent to these items on my report. I demand for them to be removed and I demand to be paid.

I will also submit complaints to the XXXX XXXX XXXX  and the Arizona State 's Attorney.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Transunion, XXXX, & XXXX continue to report incorrect information on my consumer reports my name is XXXX XXXX this is the only name that I am known as and the only XXXX correct to use. My address is po box XXXX XXXX XXXX MI XXXX this is the only address that I use and is correct. Delete any information that is not listed as such. My employment is The XXXX Corporation this is how my employer is spelled. This is the only way to spell it so do not misspell my employment. My second employer is The XXXX Company this is the only way to spell my employment. Remove any other employers or name it is not correct! XXXX XXXX XXXX XXXX XXXX is not my address neither is XXXX XXXX XXXX XXXX these are not mine again they are not mine.
Consumer complaint received 2024-05-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (AK)

I have a dispute on this company multiple times winning multiple times and being removed from my credit report multiple times and they continue to add it back to my credit report multiple times decreasing my credit worthiness expensively. I am sick and tired of dealing with these fraudulent companies with fraudulent information And their fraudulent tactics in order to recover a debt that is not owed they can take their debt and shove it. They can fix my credit as it was before Their actions. As my credit does not deserve to be taken from me with their false claims For debt that I have reported fraudulent multiple times. This is getting out of hand, and if it continues, I will be forced to hire an attorney to take care of this for me, and then they can pay for my attorney fees, and they can pay for the credit that they have stolen from me and they can pay for all the other XXXX that they want to continue at this point this is my last in my last effort to have this fixed and if it continues, they will hear from my attorney and we will go to court. Im going back-and-forth with these scam companies And theyre ridiculous allegations they are not to be trusted, and I will not accept any thing from their mouth, lips, letters, hand, pin, pencil, email letters, any of it they can XXXXXXXX XXXX XXXXXXXX that they dished out!
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following items are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX  XXXX Balance {$3300.00} XXXX XXXX XXXX ( XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX XXXX : {$900.00} XXXX XXXX ( Original creditor : XXXX ) XXXX Balance : {$2300.00} XXXX XXXX Balance {$920.00} XXXX  Inquired on XX/XX/2023 XXXX XXXX  Inquired on XX/XX/2023 XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX on XX/XX/2023 XXXX XX/XX/2023 XXXX Inquired on XX/XX/2023 XXXX XXXX Inquired on XX/XX/2023 XXXX  Inquired on XX/XX/2023 2023
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to request the immediate removal of information as soon as possible from my credit file that resulted from alleged identity theft. I have previously reported this identity theft and provided documentation supporting my claim. I am resubmitting this request in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of such items not later than 4 business days.

Given the urgency of this matter and the legal obligation under FCRA, I expect prompt action to remove the disputed information from my credit file. I request that you provide confirmation of the removal once the necessary steps have been taken.

Failure to comply with FCRA guidelines and address this request in a timely manner may result in further action being taken to protect my rights under the law. With this, I am asking for your assistance to remove these fraud items in my credit 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE this fraudulent information from my credit report.
Consumer complaint received 2024-05-12
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. (CA)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days that I filed a 30 day demand to comply with the credit bureaus, and still have yet to receive a response.