davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (MI)

When I investigated my credit report, I realized that some of the information was erroneous. Sections XXXX ( a ) ( XXXX ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate this account. It is not authorized to fail to authenticate this reporting account as unverified information without giving proof within the time range required by law. My credit report has incorrect information, which needs to be examined and corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-14
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance Owed : {$530.00} XXXX  XXXX Balance Owed : {$390.00} XXXX  XXXX Balance Owed : XXXX
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I appreciate your time to REMOVED some of the items in my file that resulted from an alleged identity theft but I have an ITEMS left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Again, XXXX sending over an Identity Theft Report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report : XXXX : XXXX XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} TD AUTO FIN XXXX Balance Owed : {$XXXX0} XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX FLAT SHOALS XXXX, GXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {XXXX XXXX XXXX XXXX XXXX Balance Owed : {XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX : {XXXX0}
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. (NY)

This is my first attempt to inform you that I am a victim of identity theft. I am writing to dispute specific records in my documents that result from this crime. The records in question are not related to any transactions involving goods, services, or money that I have made or authorized. Please remove any significant information in my credit record that resulted from the alleged fraud or extortion. 
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 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is 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 2024-05-30
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 know that FCRA 605B requires us to report any incorrect accounts being reported on a consumer 's report. I am exercising my report to have this disputed and investigated as these accounts are being reported wrongfully on my credit file I should receive {$1000.00} for each incorrect report on my credit file based on the Fair Credit Report Act.
Consumer complaint received 2024-05-30
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 understand FCRA 605B mandates reporting incorrect accounts on a consumer 's report. I'm disputing these wrongly reported accounts on my credit file and expect {$1000.00} for each error under the Fair Credit Reporting Act.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

According to my research about FCRA 605, Credit Bureaus are required by law to remove 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-05-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Fees charged
Company: Specialized Loan Servicing Holdings LLC (FL)

Recently received funding from a XXXX from Specialized Loan Servicing LLC. They are now owned by XXXX. Even though this is a line of credit, I was required to receive {$110000.00} at closing. I protested but was told I could immediately transfer it back and not be charged interest. After the closing, my account information was not shared for several days. I eventually managed to obtain my account information and sent the lender XXXX XXXX to reduce the balance of the account. That check was not cashed for over a week. 

I receive their first statement, the deposit of XXXX XXXX was reduced by {$1100.00} in interest. When I called the lender to dispute the charge, they indicated the interest charge was based upon a {$110000.00} balance rather than the current $ XXXX balance following my XXXX XXXX payment. 

When I asked for the interest charge to be based upon the XXXX XXXX  current balance, the customer service rep suddenly placed me on hold without saying anything first. After XXXX minutes, they hung up on me. 

The practice of maneuvering people like me into paying a large interest payment through delay and avoidance felt practiced when speaking to the customer service rep - something they commonly do it would appear. This can not be acceptable behavior for a lender, which is why I decided to involve your organization. I think they do this by design and avoid complaining customers in order to take their money. 


Thank you for your attention.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I have been writing letters to have the inaccurate information removed from my consumer report. There are incorrect addresses on my report. Places I have not ever lived. violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. My credit report contains inaccurate information that I have disputed with the credit bureaus, but they have failed to correct the errors as mandated by law. 
Please investigate this matter and take appropriate action to enforce compliance with the FCRA. 


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 2024-05-30
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 wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
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 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 2024-05-30
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 disputing and investigating these wrongly reported accounts on my credit file. According to the Fair Credit Report Act, I should get {$1000.00} for each mistake. The FCRA 605B says we must report any incorrect accounts on a consumer 's report.
Consumer complaint received 2024-05-16
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (TX)

I just received a letter from Discover Student Loans with a check for {$25.00} intended to fulfill their obligations in the 2020 CFPB XXXX related to student loan servicing, but XXXX has not met the requirements set in the Consent. 

XXXX applied my loan pay-off payments incorrectly. My loans should have been paid-off, but due to the incorrect application of payments XXXX kept XXXX interest, sending letters, and damaging my XXXX XXXX with all known credit reporting agencies. I just checked my loans and there remains a loan in 'written off ' status, and this remains reported to credit agencies. 

I have attempted multiple times to fix this by contacting XXXX, but even though the representatives I speak to agree this shouldn't have happened no correction has been made. 

My best understanding is the the current check is intended to comply with XXXX in the 2020 XXXX. This does not meet the requirements for compensation XXXX must meet, as they need to provide compensation for additional sections/subsections in the consent.
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. (FL)

I submitted this complaint to remove this suspicious information. 3 Credit Bureaus must validate these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2024-05-30
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 am writing to inform you that I have been a victim of identity theft. This letter serves as a formal dispute regarding the following accounts. I have reached out to each company directly and was advised to follow these steps to resolve the issue. I have filed a report with the FTC and contacted all relevant companies. Now, I am disputing the information associated with the fraudulent accounts. I kindly request your assistance in resolving this matter. 

XXXX XXXX XXXXXXXX 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Earlier this year I took an overall look at my consumer report and noticed information and several accounts that doesn't belong to me. In XXXX I then notified Transunion regarding the information that's being reported asking them to do an investigation. They replied that the information listed in my dispute letter was verified accurate in which they're not. In accordance of 15 U.S. Code 1681- Congressional findings and statement of purpose, Transunion must report accurate information to my consumer report. I am aware that anything that is either inaccurate or unverifiable must be removed from a consumer 's report immediately. When I asked Transunion to investigate the information I asked them to include any documentation with my signatures or agreements to authorize them to report in which they failed to send me any form of verification. I also reached out to the creditors asking them to verify any debt in which they haven't. By them reporting these inaccurate accounts my credit score is being negatively impacted impairing my ability to obtain relationships with any potential lenders or housing situations needed for the daily living. The creditors have been calling my phone constantly seeking a debt that doesn't belong to me which i'm aware is against the law pursuant 15 U.S. Code 1692c - Communication in connection with debt collection.

Violations committed by Transunion & the credit bureaus 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1692c - Communication in connection with debt collection
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 (UT)

I took a {$5500.00} federal student loan last year that was disbursed XXXX XXXX sent a payment of {$1600.00} to EdFinancial that was recorded as accepted by the financial institution at the beginning of XXXX XXXX. This was during a big switch of loan servicing systems, and it never showed up on my account. I called about it in early XXXX XXXX  and was told by a representative that the payment was received and that it should show up on my account soon. When it didn't, I called again in the next month or two and they said that they saw that it was received and that it should show up on my account within 5 business days. When it still didn't show, I called again and they said that they would put it on emergency status and that it should show up on my account in the next 5-10 business days. I called on Monday XX/XX/XXXX, and the call mysteriously dropped right when I started to explain my situation. I called back immediately and requested a call-back but never received one. 

I called again on Friday XXXX XXXX XXXX XXXX said that she didn't see the payment but that there was a request for proof of payment ( which nobody had ever told me about ). I sent that proof of payment then called the same day to see if it went through. I was told by XXXX that she saw the uploaded document but that it would take up to 41 days for it to be processed. On XX/XX/XXXX, I called for an update and was told by XXXX that it would take 12 business days for the finance department to scan the uploaded document. Then on XXXX XXXX I received a call from EdFinancial which I was unable to answer. I was also sent an email that was not personalized to my situation but that sounded like they wanted more information. I contacted XXXX to get a check-trace and uploaded a PDF of the check trace from XXXX to EdFinancial on XX/XX/XXXX. I allowed the previous XXXX business days for the finance department to scan it before following up. I called on XX/XX/XXXX and talked with XXXX. She said that she got in contact with someone who asked when I sent in both the receipt ( proof of payment ) and the check trace. At the end of the call it was determined that they had received proof of payment. I allowed time for it to process and called back on XXXX XXXX  where I spoke with XXXX. She told me that research was submitted on XXXX XXXX, but there were no other updates. 

Nothing has been resolved in over 8 months of following up on this payment. I currently have the money to pay this loan off the moment this is resolved, but I am being forced to hold back on making that payment until the {$1600.00} shows up on my account. If I make the remaining payment now, It will result in me missing a payment deadline which will negatively affect my credit score. Because of this delay on EdFinancials part, I am being charged interest which I wouldnt have been charged if this was taken care of on one of the several times they told me it should be taken care of.
Consumer complaint received 2024-05-14
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. (SC)

Dear [ TransUnion/Equifax/Experian XXXX Identity Theft and Fraud Department, I am writing to urgently address identity theft reflected on my credit report. On XX/XX/year>, I submitted a dispute regarding several unauthorized accounts and transactions appearing on my report. 

These accounts were clearly opened fraudulently, potentially by someone using a similar name or stolen identification. I never authorized, used, or benefitted from these accounts in any way. 

The Fair Credit Reporting Act ( FCRA ) Section 605B ( 15 U.S.C. 1681c-2 ) mandates that disputed information believed to be a result of identity theft be blocked within four business days of receiving a dispute. As of today, XX/XX/year>, it has exceeded this timeframe. 

I have attached documentation, including a copy of my original dispute and supporting evidence ( XXXX XXXX XXXX XXXX, ID theft reports, sworn testimony ) for your review. 

I request immediate action to : Block the disputed accounts from further reporting on my credit report. 
Investigate the fraudulent activity and remove all unauthorized information permanently. 
I take the security of my credit report very seriously. Please confirm receipt of this urgent request and provide a clear timeline for resolving this matter. 

Thank you for your prompt attention to this critical issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-30
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: JPMORGAN CHASE & CO. (CT)

This complaint is filed by Defendant XXXX XXXX against XXXX Wells Fargo Bank , National Association, as XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Asset Backed Certificates, Series XXXX ( " Wells Fargo '' ). The complaint highlights several legal deficiencies and procedural failures by Wells Fargo in its foreclosure action against XXXX XXXX. 

Key Issues : Failure to Meet Mandatory Condition Precedent : Wells Fargo failed to provide the required Emergency Mortgage Assistance Program ( EMAP ) notice under Connecticut General Statutes 8-265ee ( a ) before initiating foreclosure. This failure to comply with mandatory pre-foreclosure notice requirements invalidates the foreclosure action. 
Lack of XXXX : Wells Fargo has not demonstrated legal ownership of the mortgage and note for the property at his residence in XXXX, CT XXXX. According to the Supreme Court 's decision in XXXX XXXX XXXX, plaintiffs must show concrete harm to have standing. Wells Fargo has not shown any concrete, particularized injury resulting from XXXX XXXX 's actions. 
Improper Filing by Legal Firm : Documents were erroneously filed by XXXX XXXX XXXX XXXX XXXX ( " the Firm '' ), which was not in existence until XXXX, yet listed on the Court 's docket as filing documents in XXXX. This misrepresentation is impossible and misleading. Additionally, the XXXX filed pleadings on behalf of an entity not a party to the case.
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. (FL)

I have identified that there are unauthorized inquiries on my credit report. The listed inquiries on the letter was without authorization, and for no legitimate business purposes. 

Please delete these inquiries from my credit report. For the company to do what fair and equitable to me as a consumer by deleting the items identifies as Identity theft from my consumer report.
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IN)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance Owed : {$10000.00}