davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-02
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. (NY)

I NOTICED THIS ISSUE IN XXXX INCORRECT INFORMATION NEEDS TO BE REMOVED : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX as XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos XXXX  XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

My account with XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXXXXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (WA)

Ive tried to repay my student loan XXXX times and each time it goes thru but then it goes into payment reversal. Ive called customer service several times and nobody helps. Ive also called my bank and I have no credit spending problem, Im not on vacation mode. Please help me so I can pay my loan.
Consumer complaint received 2024-06-03
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 have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file. Despite my submission of the required FTC complaint, your bureau continues to report this fraudulent account on my credit report. I want to emphasize that I have already contacted the company associated with this account, submitted the necessary documents, and had the account promptly deleted from their records. Moreover, other credit bureaus have already removed this account from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting these fraudulent account. I'd like you to remove the account from my report under your bureau. 

XXXX XXXX XXXX
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WA)

In pursuant to 15 USC 1681 a2 The credit reporting agencies have not been fair to me in their duties and have violated my consumer rights. I am stating I did not give any written consent/permission to have any information furnished on my consumer report 15 USC 1681b .

They have assumed this vital role and have infringed upon my right to privacy, In Pursuant to 15 USC 1681 ( 4 ). This has been a total invasion of privacy and damages have been done, resulting in severe harm and discrimination.
Consumer complaint received 2024-06-01
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. (MI)

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 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 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

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 2024-06-03
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. (LA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MS)

Starting XX/XX/XXXX ... You need to withdraw US {$29000.00} and you need to provide 10 % deposit... then because it wasn't done all at one time I had to do it again ...... The fund review was successful. We are contacting the financial department to transfer the funds for you. Please wait ... .. To pass the bank 's big data system and transfer successfully, you need to deposit {$3000.00} for verification.Then The finance department replied that a 10 % handling fee is required to complete the transfer... You need to pay a handling fee of XXXX to make the transfer successful .... You need to pay US {$1500.00} in documentation fees and human resources fees before the bank leader will sign the transfer for you. The finance department replied that it took you too long to complete, which resulted in late payment fees on your transaction funds. The current late payment fee you need to pay is US {$1900.00} .... The government requires you to make up the {$2200.00} difference before allowing the bank to transfer you {$40000.00} ..... Sorry, we received a notice from the government department. Since your funds are frozen by the anti-money laundering department, a deposit of US {$5000.00} is required to complete the transfer. This is a requirement of the government department, otherwise your funds will be confiscated. This is a requirement of the government department, and we are also following the instructions of the government department. But what I can assure you is that after you complain, your funds will be permanently confiscated by the government department, thank you.
Consumer complaint received 2015-10-05
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (TX)

Hi. I had been contacting Nationstar since XXXX of 2015 to apply for a loan modification. They told me call in a few weeks to check the status and I did. I contacted them XXXX XXXX, 2015 and they said they never received them so I resubmitted on XXXX XXXX and again was told to check in a few weeks. Called them XXXX XXXX, 2015 and the same we never received them, resubmit. After this time of resubmitting I get a response saying to refprmat the documents to PDF, now I knew I had the right email all along because I received a response. I have a buyer interested and he needed the oay off information with reinstatement fees and all so I requested the fees on Monday XXXX XXXX, 2015 and was told to call back in 24-48 hrs, so I did. I called XXXX XXXX, to try to push the date further to allow my buyer to get the funds. They said they would send me an exacted pay off with in 24-48 hours. At this time ( Friday XXXX XXXX, 2015 ) I received an email at XXXX ( after hours ) with a link to get in to get the payoff, and was unable to get it yet alone call them back. First I was told to call the lawyer representing them so I did then told to call Nationstar which already have. I am on XXXX and explained to them my situation since about XXXX XXXX, 2015. Today is XXXX XXXX, 2015 the day before the foreclosure auction and now they want me to get the funds from my buyer and that is impossible because I still need the pay off amount. Being that they have been doing this for 4 months really show that this was there intention all along and also I have heard similiar situations like this happening. It 's not right. Once I told them I was on XXXX for 11 years and limited on income they stopped everything.
Consumer complaint received 2018-08-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (IL)

XX/XX/2018 Co.Rushmore loan management services located in XXXX Ca XXXX. My name is XXXX XXXX from XXXX Illinois address XXXX XXXX XXXX XXXX XXXX. I called today asking for a A home equity loan or refinance this company couldnt provide neither one they said stop doing it in XX/XX/XXXX of this year XX/XX/2018. This Co.Never sent no email phone call or mail that they were stop providing this Service and didnt know if they were going to ever do so again something has to be done about this problem
Consumer complaint received 2022-01-08
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: CITIBANK, N.A. (TX)

Best Buy CBNA is reporting a tradeline that I never applied for to my consumer credit file. I never authorized an account with Best Buy CBNA nor was I aware that an account was ever opened in my name. Best Buy CBNA is in violation of the FCRA by reporting this tradeline to my consumer file as I never agreed to any line of credit with XXXX. In accordance with FCRA Section 609 I am requesting all contractual documents stating and proving that I am responsible for this account and that I agreed to and authorized such an account. I can not see any type of account number listed for the tradeline on my credit report. Remove this erroneous tradeline immediately as this is a complete violation of the FCRA. XXXX XXXX XX/XX/1980 XXXX
Consumer complaint received 2023-10-26
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. (MA)

I received a notification on XX/XX/23 of a new hard inquiry on my credit report from XXXX on XX/XX/23. I contacted XXXX ( XXXX XXXX XXXX XXXX ) who referred me to XXXX XXXX, issuer of the XXXX XXXX XXXX. I called XXXX XXXX and the woman refused to transfer me to the Fraud Department or provide any electronic means to get in touch with someone. She instructed me to send a fax to XXXX stating that a fraudulent application had been submitted in my name. She instructed me to include date of birth and last 4 of my XXXX, neither of which I was willing to do. I typed the letter summarizing the situation and attempted to send the fax and the number is not in service.
Consumer complaint received 2016-10-27
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: PENNYMAC LOAN SERVICES, LLC. (VA)

I purchased a home in XXXX 2016. The home was a XXXX foreclosure in need of repair. After closing I spent in excess of {$10000.00} in repairs. I called my mortgage company Penny Mac to inquire about a new property assessment and removal of Mortgage insurance. They told me that this was not allowed with the type of loan I had. That I am required to pay PMI for the XXXX loan term or I could re-finance. I was not familiar with anyone reviewing these terms with me before. I asked for the loan documents with this particular disclosure be sent to me. Over a month later, I received the documents I requested. However, it is very apparent that the disclosures were " doctored '' altered/forged.
Consumer complaint received 2019-04-23
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC (NC)

The following complaint is about a requested loan for home improvements and how I was not allowed to close on the loan due to some required repairs. 

I have been a customer of Ditech for 11 years as they were my mortgage lender. My home was to be paid off this month and since my financial relationship with Ditech was in good standing, I decided to extend the relationship by requesting and applying for {$70000.00} for a home improvement loan on XX/XX/2019 with XXXX XXXX. The processing was going smoothly. A loan officer XXXX XXXX gave me the good news that my loan was conditionally approved on XX/XX/2019. An appraisal was scheduled for XX/XX/2019. The appraisal was completed by XXXX XXXX. After the appraisal was completed XXXX and I discussed the appraisal which noted several repairs such as, peeling and wood damage around the windows, the exterior doors, main bathroom ceiling, living room ceiling, kitchen ceiling, overhang over the front door and the area immediately to the left and the crawl space. XXXX stated that the repairs are required to be completed before Ditech could close on the loan. Prior to the appraisal I was under the impression that the appraisal was just to appraise the value of my home. There was absolutely no mention that the loan was contingent on the required repairs noted by XXXX XXXX. I replied that I was confused because I applied for a loan where the money I was borrowing would be used for home improvements like the repairs noted in the appraisal. She asked me to have a talk with XXXX XXXX the originator of the loan. On a phone call, XXXX advised me to borrow the money for the necessary repairs from someone or somewhere else in order to close on the loan. In his final email XXXX alerted me that they could not close on the loan until the repairs were made per the appraiser. 

My mortgage will be paid off by XXXX XXXX. I have since heard from XXXX about moving forward with the required repairs and the loan process. I told her that I was withdrawing my loan application and would look for another lender for my Cash Out Refinance loan.
Consumer complaint received 2024-05-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (NJ)

I am currently enrolled in a XXXX XXXX and my student loans are not due for payment yet but I wanted to start making some payments toward them. On XX/XX/year> I signed up to put a payment through for XX/XX/XXXX for {$300.00} toward one of my loans. The amount was taken out of bank account as completed on XX/XX/year>. I went to log into my Aidvantage account today to check and see if I could make another payment and the payment that I made in XXXX was not allocated to my loan. This took me by surprise as my bank account was charged and the payment was completed. I am not happy with this as I feel like my money was taken from me. I am struggling financially and a student trying to put money toward my immense amount of student loans whenever I can. This has now deterred me from making another payment toward the loan as I feel like the money will go no where once again. I found it never allocated once I checked my prior payments and once I called, It was an automated message and they said " You have no payments on your account ''. I would like to get to the bottom of this as I know I am not the first individual to experience this from a loan servicer.
Consumer complaint received 2023-09-19
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. (GA)

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
Consumer complaint received 2024-07-31
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: Experian Information Solutions Inc. (GA)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX  ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''