davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-29
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. (PA)

I have disputed this account : XXXXXXXX XXXX XXXX with XXXX # XXXX Please help me to update the inaccuracy report from my file. I contacted the bureaus and it should be removed but I could not get any help. 
Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a c consumer that the consumer identifies as information that results from an alledge identity theft. not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft! Please delete this item as soon as possible!

This account should not be furnished on any consumer report as they are in VIOLATON! Under 15 U.S. Code 1681b-Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with th WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of this account IMMEDIATELY.
Consumer complaint received 2023-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I purchased ticket XXXX to XXXX I paid XXXX XXXX ( approx XXXX $ ) for extra legroom seat XXXX XXXX changed aircraft and that seat on smaller plane is not available and I had to take normal seat ( no extra pay ) They sent me a receipt showing refund forthcoming but over a month now and no word or credit given
Consumer complaint received 2022-11-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (TX)

My student loans were previously serviced by XXXX. I wanted to take advantage of the limited waiver opportunity and thus I applied for loan consolidation in XX/XX/2022. In XX/XX/2022, my loans were transferred to XXXX. During the transfer, XXXX of the loans inadvertently fell of the consolidation ( to this date it is unclear what happened ). On XX/XX/2022, I spent a lengthy amount of time on the phone speaking with XXXX, XXXX and Aidvantage. I was advised during those calls that XXXX 's consolidation is completed by Aidvantage therefore they were going to be the ones to assist with my issue. Aidvantage advised me to fill out a loan consolidation addition form since my consolidation was within the XXXX XXXX window which allowed for addition of loans to the initial consolidation. This was done and mailed to them ( Aidvantage ) as advised on XX/XX/2022. Since XXXX, I have tried to follow up on this consolidation without success. Every time I call Aidvantage, I have to re-explain my issues, have my calls escalated to supervisors then I am promised that the issue will be taken care of. I qualify for loan forgiveness at present. However, if my loans are not consolidated prior to my forgiveness date, I will only have this XXXX particular unconsolidated loan forgiven since it is my oldest loan. I have done everything I have been asked to do by Aidvantage and I feel like they are not following through with any of their promises. It should not take XXXX XXXX to add a loan to a previously approved consolidation.
Consumer complaint received 2022-11-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

Navient Changed the Loan terms by changing the payment schedule without my consent. They also scrubbed the payment history so that there is no proof of past due payments.

Included in their loan letter was a new payment schedule with lower payments, that I believe extend the payment process to milk the interest payments.

The following note was included on the change in loan term letter : " This repayment schedule replaces all previous schedules for the loans and doesnt include any Past Due Amounts. All terms of your original Promissory Notes remain in effect. '' I feel that Loan servicing companies either sell your loans or change the loan terms to keep everyone paying for much longer than originally agreed upon. Every time the loan terms are adjusted, so is the schedule and the amounts allocated to each payment and while the payments usually get lower, the time frame gets extended well beyond the original XXXX  year time frame. 

Even if you pay more than the minimum, they make it difficult. You have to manually adjust the autopay, which then somehow takes XXXX business days to go through and then you have to go to another hidden menu to make sure you set your Allocation direction for Overpayment. If you don't specify that you want your overpayments to always be for the full Monthly Payment Amount, and that your payments should continue to be deducted monthly, they will default to the option where they Advance the due date by the number of payments that are covered by the overpayment.

Here 's an example of the vicious cycle changing loan terms create : XXXX XXXX XXXX collects loans per the provided schedule. This continues for XXXX years. XXXX XXXX sells said loan to XXXX XXXX XXXX, who changes the payment terms and requires lower payments with a schedule that is for XXXX  years. This goes on for XXXX  years, but XXXX XXXX XXXX decides to randomly change the loan terms with even lower payments and new schedule to last another XXXX  years. etc. 

What happens is that the original loan, which was on schedule to be paid off in XXXX  years has been milked by XXXX servicers for XXXX years. 

Help! I'm tired of this cycle.
Consumer complaint received 2024-03-29
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. (NV)

n 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 XXXXXXXX # XXXX, XXXX XXXX : # XXXX, has violated my rights. 


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 2021-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (IN)

We opened a company credit card with Citibank over twenty years ago, and the company has since closed. The credit card remained active, and a few months ago, I paid off the balance. There was a return, which caused a credit amount on the card. I asked Citibank to send a check and close the account. Citibank sent a check in the name of the closed account, but I can not deposit the account since I do not have a checking account with the name of the closed company. I have the check that was issued by Citibank in the name of XXXX XXXX XXXX  XXXX, and at this point, Citibank is saying there is nothing they can do. 
So, I understand that Citibank will keep my money in the amount of {$310.00}. 

Is this fair?
Consumer complaint received 2018-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

Bankruptcy on my credit inquiries close account. I have a fraud alert on my file but the still is not working. I have ask for validation is never done. All I get is variation from the Credit report agencies. These is my second time reading to you guys asking for help nothing have been done I need these credit agencies to validate or remove these information thats not mine out of my personal credit report.
Consumer complaint received 2023-06-01
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. (OH)

I Have no knowledge of this account, XXXX XXXX, ACCT # XXXX, but it is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation! According to 15 US Code 681s-2, 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 2023-06-01
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. (TN)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report. I have placed multiple disputes and complaints, and police reports with these companies, but these companies continue to show neglect by refusing to remove the accounts. These companies are continuously unreasonably halting commerce and have damaged my relationship with other creditors and have hindered my ability to obtain certain licenses with the state. This is a recurring problem that needs to be rectified. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. in addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items. If the accounts are not removed a federal charge will be filled against the following companies " XXXX XXXX XXXX, XXXX, EXPERIAN, XXXX XXXX XXXX ". This charge may lead to a lawsuit. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX DC XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-03-29
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. (FL)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

I have asked the credit bureau to remove the inaccurate addresses that are on my credit report because they are not mine. I do not receive any mail from the postal service at these addresses and this is in violation of my rights. Please remove the listed addresses. 

Prepared For XXXX XXXX Report Number XXXX Date Generated XX/XX/2022 Disputing personal information XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have asked the credit bureau to remove the inaccurate addresses that are on my credit report because they are not mine. I do not receive any mail from the postal service at these addresses and this is in violation of my rights. Please remove the listed addresses. 

Prepared For XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-29
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. (IL)

In accordance with the Metro 2 reporting standard, I am writing to formally inform you of the need for ensuring that any claims are reported in a factual and accurate manner. I'd like to request that you provide me with tangible, verifiable evidence demonstrating the existence of this account and its legality. If I am not provided with this evidence, I shall insist that the account be removed from my credit file. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX - XXXX {$530.00} XXXX  - XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$160.00} XXXX  XXXX - XXXX {$220.00} XXXX - XXXX {$350.00}
Consumer complaint received 2017-11-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (WA)

I am trying to resolve a issue with Mr Cooper AKA Nationstar Mortage I have a balloon payment due at the end of my loan I have tried to transfer the funds to pay this off on 3 occasions and the payment has not been accepted. They are treating to foreclose on the home but I have tried to get them the funds. 

I am hiring a lawyer to help me with this process.
Consumer complaint received 2022-12-01
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: EQUIFAX, INC. (FL)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2021-01-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (CA)

I received a loan from XXXX XXXX XXXX in XX/XX/XXXX and there were no escrow payments set up on the loan. This was an oversight on my part and ever since XX/XX/XXXX I've been trying to get this set up for my account, which is serviced by XXXX XXXX XXXX. 

Initially TMS asked me to write a letter of intent and mail it in XX/XX/XXXX, for which I never heard back. In XXXX I was told the letter was received and my request was being processed. In XXXX there was no change. I called to complain and nothing was done to further the status of my claim other than to disable and reenable my autopay and wait until XXXX. I waited until XXXX when I checked my account and saw that my autopay never set up and I was charged with a late fee of {$120.00}. I spoke to an agent and they told me that the late fee wouldn't be refunded I wouldn't be able to have escrow payments set up until XX/XX/XXXX. I was furious and told my story that I had been trying many months to do this and this was the first that I was hearing this. After being escalated to an agent, it was settled that it would be XX/XX/XXXX. Since, I was told that autopay wouldn't work until XX/XX/XXXX as well, and have accidentally made late payments ( I'm used to autopay ). Now that we're here in XXXX. I'm not even sure if it's been set up at all. They don't respond to my emails, or return my phone calls after leaving voicemails. I've made the decision at this point to refinance again and distance myself from the TMS service. To date, I've paid {$11000.00} in interest and {$220.00} in late fees. I'm extremely unhappy with the service and problems.
Consumer complaint received 2024-03-29
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I am urgently appealing for the removal of this mistaken late payment from my account. My consistent track record of timely payments contradicts this entry, which is causing me unnecessary worry and distress. I urge you to swiftly correct this error by updating my account.
Consumer complaint received 2022-11-21
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IA)

previously distributed XXXX  XXXX/ XXXX revolving credit account date open XX/XX/XXXX with a balance of {$1600.00}. results came back stating account previously in Dispute no resolved reported by data furniture to be use for FCRA dispute by Experian. XXXX XXXX is reporting dispute resolved reported by grantor. I strongly disagree with results. Account is factually reporting incorrect. Date of last payment reported as XX/XX/XXXX by XXXX XXXX and Experian while XXXX reported XX/XX/XXXX. Payment history reported perfect payments by XXXX while experian reported consecutive charge off as if it was some sort of payment method.. date of last payment for XXXX was XX/XX/XXXX making no sense with what payment history was reporting. after I disputed account for factual, inaccuracies account came back with updates not only on date last active but also XXXX removed all payment history and replaced OK as agreed with consecutive charge off deleting date of last payment, showing no data whatsoever. Theres no way that you can report account with missing data and incorrect information. This is not acceptable information can not be deleted and replace as pleas.
Consumer complaint received 2023-06-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (WA)

I sent e mails and certified letters to this company explaining to them that I was never served any type of court paperwork or documentation about a garnishment. My work place informed me of this company garnishing my check. I sent e mails and certified letters explaining, they deliver or service court paper with my personal information to the wrong address. I tried to correct the problem by sending a certified letter with a copy of my driving license with my correct address, and this company refuse to acknowledge, they had hired a company to deliver court paperwork with my personal information on to the wrong address. This was very embarrassing. Personal and physical. I tried to explain to them I have never live at that address. Check the DMV because this address has never been on a Washington State drivers license that belong to me. This company contacted the credit bureau XXXX and placed this address on my credit report. I spoke to XXXX and was informed that this company verify to them that this was my correct address with a XXXX debt. And I needed to go through this company to have this remove on my credit report.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.