davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-08
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. (UT)

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. inquiries : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX  ( XX/XX/XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX  XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX, XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ). Here I attach, along with the dispute, my fraud report that I just sent to experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 
I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Consumer complaint received 2024-05-08
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)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (OH)

I paid off one of my two ( 2 ) loans. There is a {$0.00} balance on one loan and an XXXX balance on the other. I am trying to pay off the balance on the other but it keeps trying to attribute a portion of the money I'm trying to pay on the balance to the {$0.00} balance on the loan already paid off so I would be overpaying on a loan that is already at a XXXX dollar balance!!!!!!! 
I am accruing interest BY THE DAY so by not helping me, ED FINANCIAL is cost me more money every single day. I am so so upset that no one will help me.
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. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-30
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc ()

I received an email from a company named, Hunter Warfield to establish debt on the XXXX of XXXXXXXX XXXX. The attached notice read, " Call or write to us by XX/XX/year>, to dispute all or part of the debt. If you do not, we will assume that our information is correct. 
If you write to us by XX/XX/year>, we must stop collection on any amount you dispute until we send you information that shows you owe the debt. You may use the form below or write to us without the form. You may also include supporting documents. '' I emailed them on XX/XX/year>, " Hello, I dispute all the debt you have emailed me. I do not owe anything to XXXX XXXXXXXX. 

Please send me all of the following documents to establish this is my debt : XXXX. Rental agreement signed by me. 
XXXX. All the email communications. 
XXXX. Audios of all the communication through call recordings. 
XXXX. Name of all the persons who dealt with me as per your contract. 
XXXX. My Social Security Number on your record and any document where I have provided my SSN to XXXX XXXXXXXX with my Signature on it. 

I would like to ask you to stop contacting me until I receive all the documents/audio recordings requested above. 

Thanks " I did not receive any reply from them after that. 

On XXXX XX/XX/year>, they sent me another email with notice attached saying, they are giving me 20 % and I could pay them {$9400.00}, instead of the full amount {$11000.00}. And today ( XXXX XX/XX/year> ) they reported it to a credit reporting company.
Consumer complaint received 2024-05-08
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$30000.00} XXXX  XXXX Balance Owed : {$0.00XXXX XXXX XXXXXXXX XXXX Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00XXXX XXXX XXXXXXXX Balance Owed : {$520.00} XXXX XXXXXXXX XXXX Owed : {$890.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$390.00} XXXX XXXX XXXX  XXXX XXXX XXXX : {$190.00} XXXX XXXX XXXX XXXX Balance Owed : {$54.00} XXXX XXXX XXXX XXXX Balance XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$840.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$230.00} XXXX XXXX Original Creditor : XXXX XXXXL XXXX XXXX XXXX Owed : {$2600.00} XXXX XXXX ( Original XXXX : XXXX XXXX ) XXXX Balance Owed : {$100.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$0.00} 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-05-08
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. (AL)

I'm a victim of iXXXX XXXX. My information has been exposed in the Equifax data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to be remove from any affiliation with me immediately. 
XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$160.00} XXXX XXXX XXXX Owed : {$1200.00} XXXX XXXX XXXX XXXX Balance Owed : {$36000.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXXXXXX Balance Owed : {$640.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-08
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: NAVY FEDERAL CREDIT UNION (AL)

I am a real estate agent in XXXX XXXX, AL. Within the past month, I have been informed by my prospective buyer clients that Navy Federal Credit Union ( mortgage division ) provides borrowers with favorable mortgage terms based on using specific real estate brokers in the transaction. Unfortunately I am not in a position to disclose my client details but I am sending this in hopes that the matter could be looked into and that there is nothing illegal or inappropriate with these borrower incentives. I have been told by XXXX unrelated buyers that the mortgage company is paying funds toward buyer closing cost if the buyer/borrower uses one of their preferred realtors. Thank you for considering this notice and feel free to reach out if you have any questions.
Consumer complaint received 2023-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am submitting this complaint in order to verify some accounts that are erroneously reported in my file. The accounts must be investigated in my file to prevent further damage to my scores, also I sent the necessary documents to FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform XXXX XXXX XXXX XXXX Balance : {$29000.00} ; XXXX XXXX XXXX XXXX XXXX : {$29000.00}.
Consumer complaint received 2023-05-03
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: M&T BANK CORPORATION (CO)

This is a followup to my first two complaints XXXX and XXXX submitted XX/XX/XXXX and XX/XX/XXXX. M & T failed to complete or the mortgage assumption rider for our VA loan assumption so the transaction was never recorded by the county clerk. We are being prevented from obtaining a HELOC loan because of this, with interest rates rising this is having a real affect on my finances. In addition to the chaotic disorganized process in obtaining this loan, I have had M & T pay the old owners homeowners insurance with mine and bill me for it, sent my personal information to the old homeowner, given me access to the old homeowners bank account to do an auto withdrawal from. I've lost count of the time spent correcting M & T errors, it would be easier to count in workweeks at this point.
Consumer complaint received 2023-05-22
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: JDJ Investments, INC. (LA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2024-05-08
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 16

81 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 2024-08-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC. (MI)

We had a guy reach out to us on XXXXXXXX XXXX XXXX about our truck he wanted to buy it he said he was talking to his bank and they would call Ally and pay the truck off I looked online at our statement and it said we owe XXXX he paid XXXX on our loan We sold the truck and they paid it off. I called Ally ( the finance company ) they don't have a branch so everything is done online. 
And they said our truck was paid all that was left was {$24.00} so we paid that. 
I called Ally again and they assured me the truck was paid in full and would be nearly impossible to reverse the funds I talked to them for XXXX minutes they even transferred me to the processing department where they actually took the funds. Everything was paid we were good to let the truck go. 

XXXX  night a guy from Tennessee kept calling said he had a question about a truck so we decided we better call him back and he asked us if our truck was stolen. We said our truck was paid in full. The guy bought it. He said the guy just sold it to me for a ridiculously low amount, you don't even know how much he sold it to me for how much he said XXXX I said that's weird because he just bought it from us for XXXX. So I called Ally again on XXXX. They said the truck was clear. It would be nearly impossible to reverse the money so then I said what does XXXX mean? 
Before the transactions it said XXXX she said it was probably a credit card transaction. They did XXXX transactions under {$3000.00} and everybody thought it was funny. It cost him XXXX XXXX  for each transaction and they said it was legit like no worries. Let the truck go so we assured the guy from Tennessee the truck was not stolen. 
Ally sent us a letter stating we owed XXXX on the truck to her the XXXX released. We Received that on XXXX  XX/XX/2024 On XXXX  XX/XX/XXXX I checked with Ally again and the funds were reversed. And when we call Ally they hang up on us.
Consumer complaint received 2024-05-08
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. (MN)

I am initiating another complaint to request further investigation into fraudulent inquiries on my credit report. I urge the three Credit Bureaus to carry out a thorough investigation into these inquiries as legally mandated. Listed below are the fraudulent inquiries needing investigation : 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 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility.This discrepancy is due to an error and seek your immediate intervention to rectify it. Moreover, other credit bureaus have already corrected the status of the accounts stated above .Also, I contact the companies thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my accounts and take the necessary steps to correct or remove this information from my credit report. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Professional Debt Mediation, Inc. (AL)

Date Assigned XXXX  

Date reported XXXX  

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

DELETED FROM MY CREDIT REPORT VIA XXXX FOR IT NOT BEING MY DEBT. MY APT DOORS WERE KICKED IN. I DID POLICE REPORT.
Consumer complaint received 2024-01-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: Coastal Custom Mortgage, Inc. (GA)

I was interested to purchase XXXX of the XXXXo in XXXX area. My real estate agent XXXX XXXX XXXX suggested a lender named Coastal Custom Mortgage Inc to get pre approved. The lender preapproved me and confirmed that I can get loan to purchase this property. Based on the confirmation, I submit a bid with {$3500.00} earnest money. In addition to that I paid for {$560.00} for appraisal and {$350.00} for house inspection. Once appraisal and inspection is completed and financial contingency under the contract is over, the lender Coastal Custom Mortgage Inc informed me that they can not provide loan for that said property. The reason they told me that all condominiums in that particular HOA are banned for a XXXX XXXX. Due to that, I lost my earnest money deposited on escrow account. The sellers agent ( RE XXXX XXXX XXXX agreed to pay me only {$1000.00} on request and remaining {$2500.00} they did not pay me back. I lost total {$3400.00} including appraisal and inspection cost due to a gross negligence of the lender Coastal Custom Mortgage Inc who should provide me the information beforehand. I attached the pre approval letter from Coastal Custom Mortgage Inc.
Consumer complaint received 2023-03-10
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (DC)

Hard inquiry reports XXXX XXXX XXXX- I spoke with someone from XXXX XXXX XXXX to refinance my car loan. I was told a had an excellent chance of approval and it will not affect my credit score. After going through the process, I was told they do not service my area. Few months later I see a hard inquiry for XXXX XXXX XXXX from XXXX XXXX XXXX. Which knocked my credit score down. 

JPMCB- I have know idea who this company is or why its on my credit report.
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. (IN)

I bring to your attention some discrepancies that have come to my notice regarding the negative items present on my credit report. Upon reviewing my credit report, I have observed several negative items that do not seem to correspond with my financial records. 

I would like to emphasize that I do not have any outstanding debts with any creditors, nor do I owe any amounts that would warrant the presence of such detrimental records on my credit report. In an effort to rectify this matter, I have attached a copy of a certificate which serves as proof of my financial standing and the absence of any outstanding obligations. 

I kindly request your assistance in investigating the origins of these negative items on my credit report and in taking the necessary steps to rectify this situation. Maintaining an accurate and up-to-date credit report is crucial for my financial well-being, and I trust that your expertise will help in resolving this matter promptly and effectively. 

I appreciate your attention to this issue, and I look forward to your prompt response regarding the steps to be taken in addressing these discrepancies. 

Thank you for your time and consideration. I trust that this matter will be resolved satisfactorily with your help.