davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

My XXXX XXXX XXXXXXXX displays a revolving line of credit under name XXXX XXXX XXXX. Reported by Equifax. XXXX XXXX XXXXXXXX account XXXX the amount is {$78000.00} and there was recent activity on account that was not me.
Consumer complaint received 2024-11-12
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (TX)

On XX/XX/year> - I was notified from XXXX of a new collection account for a debt of {$220.00}. The first representative stated that XXXX recalled the collection but refused to remove from my credit file. Spoke with manager who claims that collection is active. I informed the manager that I have statements that show that my account from Spectrum has a XXXX balance and was paid in full after the account was disconnected.. After further discussion, I learned that the account was at an address that I never lived at, hence identity theft/fraud. 

I have not knowledge of the fraud account. I also do not have access to the fraud account to review. I only have information that is showing up as a collection.
Consumer complaint received 2023-10-10
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. (VA)

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 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 2023-04-12
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: EQUIFAX, INC. (FL)

It has come to my attention that the credit bureaus keep sending me letters that the accounts I am disputing are returning as verified as accurate HOWEVER I HAVE ASKED for the credit bureaus to send me wet signature proof that the account belongs to me I have notfied in numerous occasions that I was a victim of of identity theft and feel as I am being unheard. 

Besides this the credit bureaus have a lot of inaccuracies as they do not match across the board which means they are not doing their diligence work Please investigate my case I am attaching my credit report discpancies, identity theft report and letter of what I am disputing
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

XX/XX/XXXX To Whom It May Concern. 

RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Account : XXXX To Whom It May Concern, I am writing you to request your assistance for the deletion of this account from my all my credit profiles. This account is reporting inaccurate information on all my credit bureaus. I have called and sent letters as far back as XXXX XXXX, requesting the deletion. To date, no actions have been taken. I have attached all required supporting documents for your reference. 

I appreciate your assistance, and please feel free to contact me directly at XXXX if you need any additional information.
Consumer complaint received 2023-10-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (MD)

So i had a regular verification process in my paypal account, i submitted everything right on XX/XX/XXXX and then on XX/XX/XXXX they limited my account : Reference ID : XXXX, i contacted the support but no valid answers...
Consumer complaint received 2024-06-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Specialized Loan Servicing Holdings LLC (CA)

My Estate has a mortgage with XXXX. I currently have a insurance claim that was given to fix the vandalism. 
XXXX keeps changing the foreclosure date. They will not release the funds because of the foreclosure. The insurance company was XXXX. I can not rent the units until I fix the issues. XXXX states I can't do the repairs with the foreclosure.
Consumer complaint received 2023-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I did not authorize any of this nor did I sign for it I sent Transunion numerous letters and calls for them to investigate these action and delete, but nothing occurred. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-10
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)

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( XXXX ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Since there have been multiple violations of the necessary reporting requirements, my report 's data can not be reliable and full. Having stated that, I dispute your accusations and challenge you to show me your justification for including this incomplete negative information on my credit report. 

According to 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.
Consumer complaint received 2024-06-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: U.S. BANCORP (MO)

I open a business account with this company and I'm wanting to get it {$10000.00} limit on a credit card to start my business they're only offering me {$3000.00} I was even willing to take just {$6000.00} just to get up and running but they're refusing to give me any of that only willing to give me {$3000.00} and I told them I need more than that to get started refusing to give me any more credit. Also my account should be eligible for a lot more than any of those totals under the bill of change act and the type of account I have.
Consumer complaint received 2023-11-08
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)

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 items 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
Consumer complaint received 2023-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (VA)

I have had a chronic problem with Comenity Bank and the untimely application of payments. On this occasion, my issuing bank confirmed that this month 's payment was issued on XX/XX/2023 for delivery by XX/XX/2023. The payment has never been applied and Comenity alleges they never received the payment even though I have several bank records proving otherwise. Relevant excerpts are attached. I am being asked to issue a stop payment for a fee of {$35.00}, which is unreasonable, as the error is with Comenity. In order to preserve my on-time payment record, I issued another payment, this time through Comenity 's on-line payment portal and that was properly applied.
Consumer complaint received 2018-05-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IN)

XXXX XXXX XXXX To : FSAOperations XX/XX/XXXX at XXXX XXXX   XXXX XX/XX/XXXX at XXXX XXXX To the U.S. Department of Education ; I seek loan forgiveness ( discharge ) based on borrower defense to repayment. 
Currently I have an XXXX XXXX as a XXXX XXXX XXXX XXXX XXXX from XXXX. 
I XXXX XXXX XXXX ( XXXX ) believe the XXXX School committed fraud by doing something or failing to do something, misrepresented its services, or otherwise violated applicable state law related to my loans or the educational services I am paying for. 
The government on Thursday XX/XX/XXXX essentially made the case that XXXX has done that, inviting former students to request loan forgiveness. 
As a current job seeker, I worry that my degree has been discredited. I also consider the cost I am paying way too expensive for what I got from the now defrauded, since-shuttered for-profit chain. 
I fear that my education is being devalued by XXXX 's impending collapse. The schools misconduct forces me into this cause of action because it directly relates to the loan or to the school 's provision of educational services for which my loan was provided. 

Sincerely ; XXXX XXXX XXXX XX/XX/XXXX SS # -- - -- XXXX Address - XXXX XXXX XXXX, XXXX, IN. XXXX XXXX - XXXX ( XXXX ) XXXX email XXXX XXXX - XXXX, XXXX, OH. 
Program of Study - XXXX Recieved - XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) Degree Dates of Enrollment - XX/XX/XXXX to XX/XX/XXXX I am replying to whom it may concern ; Please contact me at XXXX or ( XXXX ) XXXX, have you settled my case? Do I still owe over {$14000.00} on a degree that the Federal Government backed and now the accredited XXXX XXXX no longer exists? 

I need you to verify Navient 's statement : XXXX XXXX XXXX, the payment term for your loan ( s ) has changed. 



Next payment amount : {$130.00} Next payment due date : XX/XX/XXXX This payment schedule replaces all previous schedules for this loan ( s ) and doesn't include any past due amounts. All of the terms of your original Promissory Note ( s ) remain in effect. 

Payment terms usually change for one or more of the following reasons : The deferment or forbearance period during which you have postponed making your monthly payments is about to end.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-10-10
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. (VA)

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 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 2023-10-10
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. (FL)

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 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 2023-09-23
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)

This complaint was my follow up. I need this account XXXX XXXXXXXX UPDATED and REPAIRED once again. And I am hoping that inaccurate late marks popping-up again in this account. 
EQUIFAX : XXXX XXXX Balance : {$49000.00} XXXX XXXX XXXX XXXX Balance : {$49000.00}
Consumer complaint received 2023-12-04
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. (NY)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-09-18
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)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

XXXX and Equifax have incorrect amounts, that are and have been paid in full, on my credit report. XXXX and Equifax have been notified of the inaccurate information at least 4 times for the XXXX collections account that has been paid. It should be noted that collections accounts were paid on XX/XX/2022, and that I have subsequently disputed 6 collections accounts with an average of 4 disputes per collection account corrected of inaccurate information. When I filed the dispute for XXXX collections, after paying off the account over 45 days ago, XXXX duplicated the collections account and left it on there even after being notified 4 time through dispute that the original amount has been paid. XXXX removed the duplicate amount of the full collection duplicated amount, and posted a duplicate XXXX Collections account with the difference between the offered settlement, which I paid, and the total collected amount. There is no way that XXXX could know the difference unless they knew the account was paid. I have it on recording that the settlement offer will reflect paid in full. This in no way justifies XXXX taking on average of over 4 months to correct inaccurate information. This in no way justifier XXXX purposely administering targeted discrimination against me. I have filed a previous complaint regarding exactly this scenario. Now we are almost half a year into correcting inaccurate information on my credit report. At this point disputes are incurring me retaliatory charges. I submit that XXXX and Equifax are engaged in illegal and discriminatory business practices and I desire to follow up to the full extent of the law. If XXXX and Equifax have inaccurate information, especially after being notified 28 times ( 7 accounts 4 disputes each ), for half the year, then what good are they? Do other people have to file 4 disputes each on accounts paid? Do other people have to wait 6 months to have inaccurate information removed? Are XXXX and Equifax currently engaged in discriminatory business practices directed at me? Im going to file a complaint with the State as well. This is highly unusual business practices, and the amount of time to correct paid accounts is completely unacceptable. The targeted retaliation is icing on the cake
Consumer complaint received 2023-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

On XX/XX/XXXX I submited a Traditional Repayment Plan It has been processing for months now and it is XX/XX/XXXX and still no movement when payment resumes XX/XX/XXXX. 

I called on XX/XX/XXXX and was told it would process that week, I was lied to you by the customer rep. 

I talked to a rep on XX/XX/XXXX still not processed. I can not afford my current payment but would have been able to afford the traditional one but I am now in hardship do to their slow processing times and that they lied to my face to get me off the phone.
Consumer complaint received 2023-06-07
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: ProCollect, Inc. (TX)

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company or a company you represent. I did not open or authorize this account, and I, therefore, request that it be closed immediately. I also request that Pro Collect, XXXX absolve me of all charges on the account and that you take all appropriate steps to remove information about this account from my credit files.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

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 U.S.C 1681 XXXX XXXX XXXX. XXXX Credit report XXXX credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reaD. They never verify. I did send them letters they didnt respond.
Consumer complaint received 2023-10-10
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: AmeriHome Mortgage Company, LLC (FL)

I have made my XXXX, XXXX XXXX payment to XXXX. they sold my loan to AMerhome and then my paymeny was reverse. so i had to make another payment for XXXX after making numrious calls to XXXX and XXXX. the ladytold to make a payment so that i would incurrr any late fees etc
Consumer complaint received 2023-12-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC. (WI)

I am a victim of identity theft and was reviewing my credit report this fall to check for accuracy. On XX/XX/XXXX I was denied an attempted to dispute an address on my credit report because XXXX debts that are not mine is reporting to this unknown address.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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.