davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-20
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. (GA)

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

I told the XXXX, XXXX and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly. 
15 USC 1681 section 602 A. States I have the right to privacy. 
15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 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 USC 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. 

Also they aren't in compliance with Public Law 91-508 & Amendments or Metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2024-01-20
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 express my ongoing concern and dissatisfaction with the attempts to rectify fraudulent items on my credit file. Despite multiple efforts, I have not seen a successful resolution, and these fraudulent entries continue to impact my credit negatively. 
I have diligently followed the dispute procedures outlined by your agency, submitting all required documentation to substantiate my claims. Despite these efforts, the fraudulent items persist on my credit file, causing undue stress and hindering my financial opportunities. 

I understand the importance of maintaining accurate credit information and the role of your agency in ensuring the integrity of credit reports. As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or fraudulent information on their credit reports, and credit reporting agencies are obligated to investigate and correct any inaccuracies promptly. 

I request a thorough reexamination of my case and a swift resolution to remove these fraudulent items from my credit file. I have attached supporting documentation for your reference. 

I expect a written response within XXXX  days, in accordance with the FCRA, detailing the results of your investigation and the actions taken to correct the inaccuracies. Additionally, I request a free copy of my updated credit report once the necessary corrections have been made. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  Balance : {$2400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$620.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX  Balance : {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX  Balance : {$620.00} XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$620.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX  AND I WON'T ALOW IT.
Consumer complaint received 2024-01-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CT)

My federal loans were transferred this past year from mygreatlakes to nelnet. I made payments for 10 years and have never once had an issue. When this happened, I created an account with nelnet and set up the autopay right away. When my loans went into repayment this fall, the autopay payments did not go through and they sent me to collections after 1 month of non payment. My credit score was hit hard. I called immediately to fix this and waited on hold for a very long time. I let them know that there was no correspondence from them on their site, I have the confirmation stating autopay was successfully set up, and no where is my actual monthly payment amount stated anywhere. When I called they let me know my monthly statement was {$130.00} and I let them know the issue regarding the autopay ( which apparently many transfers are dealing with ). I re set up autopay again but it would not allow me to specify how much I was setting it up for. I gave it time to process thinking maybe I would be able to edit it after the fact. Nope. They are not allowing me to specify what amount I wish to pay with autopay whatsoever ( which is frustrating as I wish to pay more each month ) and in fact, the amount that nelnet set the autopay up for is {$95.00} which is far less than the monthly payment amount that they told me I owed. I can not express how awful the experience had been with this servicer.
Consumer complaint received 2024-01-21
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. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: OneMain Finance Corporation (NJ)

In XX/XX/year>, I met with a representative from One Main, to Refinance a car loan that I already had was under the impression that it was a car loan that gave me additional funding to use as a personal loan, until I signed. I found out that the loan was no longer a regular car loan that I can shop around in the future to Refinance with other companies. I was told that they turned the Car Loan into a personal loan using my car as collateral for the loan?? So I can't trade my car in for an upgrade because I no longer have a car loan they purchased my car, holding the title and made it a personal loan, which forces me to pay way more than my car is worth in monthly payments and no leverage to upgrade without paying the LOAN off. Very deceiving as the initial sign up passing this loan and a regular Refinaced car loan.
Consumer complaint received 2024-01-19
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)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-04-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I understand that as per FCRA 605B, it's essential to remove any erroneous accounts from my credit report. Could you please review the documents? I've noticed that several of the listed accounts seem to be inaccurate, and this is worrying me.
Consumer complaint received 2023-12-20
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. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: NEW YORK COMMUNITY BANCORP INC (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX # XXXX Flagstar Bank, Motgage servicing, XXXX XXXX XXXX  XXXX , XXXX, MI, XXXX Customer Service # XXXX Unjustified Late fees, refusal to reverse. 
On XX/XX/year> I sent out the payment for this loan. On XX/XX/year>, a full 10 days later, it was processed by Flagstar Bank. The other mortgage payment that I sent out was processed on the XXXX of XXXX with a different loan Co. When i called to inquire as to why my my payment was not processed, the Customer service Rep understood and asked for permission to remove the late fee. What happened next i can not explain. The supervisor at the the call center who gave her name as " XXXX '' refused to refund my late fee, stating that it does not matter when i sent my payment out, it only matters when they process it, and they were going to process my payment on the XXXX, a full 11 days after it was sent in. This is unacceptable. My payment was clearly not late. my P/N is XXXX the Supervisor was Rude, Talked ove me the entire time i was talking, and had no understanding that the payment was not late. Please feel free to contact me at my Cell number for any clarifactions
Consumer complaint received 2024-01-18
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I applied for the Bank of America XXXX XXXXXXXX credit card with an advertised promotional offer of XXXX miles with a minimum spend requirement in the first 90 days. This was widely advertised on the XXXX XXXXXXXX website. I applied on XX/XX/2024 and was approved on XX/XX/2024. 

Today, I viewed the same XXXX XXXXXXXX website and was disappointed to see the advertised promotional offer had been increased to XXXX miles. As I only applied less than 2 weeks ago, I thought if I contacted Bank of America they would honor the higher advertised offer. 

I called Bank of America customer service and they gave me misleading information that this could only be adjusted by XXXX XXXXXXXX. I reached out to XXXX XXXXXXXX who told me this was false and needed to be rectified by the financial institution. 

I tried explaining the situation again to Bank of America but they refused to adjust the offer with no further explanation given.
Consumer complaint received 2024-01-17
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. (VA)

I have tried to talk to AidVantage for the last 2 months as their AutoPay system is malfunctioning. I am on the SAVE plan and have set up an AutoPay amount of {$380.00}. However, I noticed that AidVantage only takes out {$120.00} monthly. My interest balance has increased since it will not allow me to pay the correct amount. I do not think it's fair since I have no control over AutoPay working correctly. I have spoken to customer reps 3 times. I have had the issue escalated 3 times and the issue still has not been resolved.
Consumer complaint received 2023-11-21
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 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 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. ()

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-01-19
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. (GA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-01-16
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. (MD)

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. I told XXXX, XXXX, and Equifax to reinvestigate these accounts. I received a 5071C letter from the IRS a few years ago stating that someone tried to file taxes with my identity. I believe that since then this person has been applying for the following accounts that I did not authorize.

Credit Cards : XXXX XXXX XXXX XXXX Account # XXXX on XX/XX/XXXX Car Loans : XXXX XXXX XXXX Account XXXX XXXX on XX/XX/XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-16
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 a repeated victim of identity theft, innacurate reporting of late payments, reporting that i never authorized, the wrong name, address, my date of birth, place of employment going XX/XX/XXXX and it continues etc. XXXX has violated 15 USC 1681 c-2, 15 USC 1681b , 15 USC 1681 ( e ) ( b ) and 18 USC 1028A . They have no later than four days after receipt to correct these issues.
Consumer complaint received 2024-01-18
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: Skopos Financial, LLC (IL)

I opened two loans ( in short period of time ) with XXXX XXXX. The First loan was on XX/XX/XXXX in the amount of {$10000.00}. Loan # XXXX then a second loan on XX/XX/XXXX in the amount of {$13000.00} ( loan # XXXX ). They ONLY deposited {$2600.00} into my bank account on XX/XX/XXXX because I was paying off the first loan. And receiving the difference. 

Well - I keep receiving notices of LATE payment on loan # XXXX. I talked with XXXX ( ID XXXX ) as well as her manager, XXXX on XXXX  and they both reassured me that the first loan was indeed PAID OFF so no payment is due/overdue. As of XX/XX/XXXX it still shows on my credit report that TWO loans are Open. I again called on XXXX and requested a PAY OFF letter proving that the first loan is PAID OFF. Today, instead of receiving the requested document, I received another LATE Payment Email ( attached ).
Consumer complaint received 2023-08-31
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. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX 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 2024-01-16
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)

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, XXXX and Equifax a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.
Consumer complaint received 2024-01-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (DC)

Money Gram has been holding my {$200.00} since XXXX and the only explanation they gave me for weeks were ( 1 ) it's under review ( 2 ) the money arrived and was picked up but the merchant provided factual information that it didn't come through ( 3 ) now Money Gram has changed it's story as soon as I told them I was gon na report them to the Government. Now they claim that it's worth looking into what happened exactly. Money Gram tried to keep my money twice until I demanded my money back and the system keeps cutting off every time I would request my money. They finally released my money back into my account. But as far as the XX/XX/XXXX transfer Money Gram is still holding my money. I read that Money Gram has been known for these kinds of practices before. I just want Money Gram to return back my money they have withheld since XX/XX/2023 XXXX
Consumer complaint received 2024-04-05
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. (GA)

Im submitting to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX