davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I am writing to formally lodge a complaint regarding the repeated attempts I have made to rectify fraudulent items on my credit file. Despite multiple efforts to resolve this issue, the fraudulent information remains on my credit report, and I believe this is in violation of the Fair Credit Reporting Act. 

I would like to provide you with a summary of the situation and the efforts I have taken to address it : I discovered several items on my credit report that I believe are the result of identity theft or fraudulent activity. These items include Upon discovering these fraudulent items, I immediately filed a dispute with your agency, providing all necessary supporting documentation and evidence to substantiate my claim. 

After an initial response from your agency, I requested a reinvestigation of the disputed items, as I believed that they were not adequately addressed during the initial dispute process. 

I have sent multiple follow-up letters, emails, and made several phone calls to your agency, requesting updates on the status of my dispute and the progress of the reinvestigation. Despite my repeated attempts, I have not received any resolution or satisfactory response. 

I understand that the Fair Credit Reporting Act requires credit reporting agencies to conduct a reasonable investigation of consumer disputes within 30 days of receiving the dispute. However, my dispute has not been resolved within this timeframe, which is a clear violation of my rights as a consumer. 


Conduct a thorough and immediate investigation into the disputed items on my credit report as required by law. 

Provide me with a written response detailing the results of your investigation, including any actions taken to rectify the fraudulent items. 

If it is determined that the items are indeed fraudulent, I request that you promptly remove them from my credit report. 

Ensure that your agency complies with all relevant laws and regulations, including the Fair Credit Reporting Act. I am asking for your assistance to remove the fraud items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-24
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. (VA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2019-01-08
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: KEYCORP (NY)

While in college I utilized Key Bank for XXXX XXXX Loans in order to pay for tuition that was not covered by financial aid. Recently the loan servicer changed to XXXX. I had thought payments had been made to XXXX, however my cosigner received documentation that I have defaulted in the loans. I have received phone calls from Key Bank, but only during hours I am at work therefore can not answer the calls. I have no idea how to access the account through Key Bank or any other servicer in order to develop an affordable plan to get out of default. I need to keep in mind that {$600.00} a month already goes to federal student loan payments. I do not know the account number. My cosigner received 7 letters from Key Bank on XX/XX/18 that according to them were in a threatening manner. My cosigner is now elderly, has limited income and in a frail medical state therefore he can not be contacted especially when I have not been able to speak to anyone.
Consumer complaint received 2022-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CO)

I have tried contacting Experian via email, mail, fax and calling but never get a response. I do not have the PIN to my account and when I try answering the security questions it goes to an error page. The number they have to send me a text is a non working land line. No matter what I do they tell me to go online! I can sign in but can not unfreeze my account. I am trying to get a loan and until this happens, I am dead in the water. I have been hung up on and no one will help. I need them to unfreeze my account and provide me with a new PIN asap.
Consumer complaint received 2023-06-30
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. (PA)

I recently checked my report and noticed that XXXX XXXX account # XXXX is reporting a fraudulent account on my consumer report. I contacted them and directed them to remove this account because it is a fraud account and I didn't do business with them. I did not give my consent to any person or company to use my name and personal information to obtain goods or services. They did not prove the debt to be true by demonstration or by providing me an original contract with me being the signer for said accounts. The reporting agencies are reporting fraud accounts which violate my rights under the fcra. The reporting agencies did not seek my permission to furnish anything on my consumer report.
Consumer complaint received 2015-08-18
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Social Finance, Inc. (TX)

I was declined for a student loan consolidation with XXXX XXXX. They informed me today that my loan was declined. Here was my response to them : This is extremely disappointing and troubling. Your adverse action report states that the principal reason for denial of my application was " Delinquent past or present credit obligations with others. '' In disbelief, I ordered a copy of my credit report from XXXX, with whom SOFI made the credit inquiry. AND THERE ARE ABSOLUTELY XXXX NEGATIVE ITEMS ON MY REPORT. No late pays, defaults, etc. 

Your approval process, dragging out over several weeks and requiring multiple uploads of the same information ( paystubs ) that could 've easily been understood by people of average intelligence, was ridiculous. Particularly as your site says that information from the Work Number ( which I also uploaded ) was an accepted form of income verification. I was willing to put up with that at the prospect of getting a fair rate on student loans.
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the XXXXne filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2019-08-06
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. (FL)

On or about XX/XX/2019 XXXX internet made an error by ordering an unauthorized hard inquiry credit report from Equifax. Once they realized they made a mistake, they issued a correction to Equifax and I have the confirmation that Equifax received it. please see attached, however, Equifax keeps denying receiving such documents and refusing to correct the reporting. 

Equifax was contacted by me several times and I received nothing but terrible service due to the fact their customer service is in a foreign country and very hard to understand
Consumer complaint received 2015-03-25
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (FL)

I purchased a new vehicle which included a payoff of my old car. The car dealership mailed out the payoff to my finance company on XXXX. The finance company received the check, applied it to my account and then reversed the credit and returned the check to the car dealership. ( The finance company has yet to provide a reason why ) The dealership mailed another check on XXXX/XXXX/15 the check was received and has since cleared the bank. I have called the finance company several times. I have given them the tracking number and check number of the check. Nothing has been done, I am still receiving calls about the account being past due and I have been told that if this were not resolved that the payment will be reported to the credit bureau as a late payment. I called and left a message for a supervisor to call me back and it has been over a week and no call. I was dealing with another representative as I have been calling about this issue for over almost a month. The rep was handling it, but I have not heard back from her either and nothing has been resolved.
Consumer complaint received 2019-11-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Failure to process home loan application in a timely manner. Informed us 2 days before intended closing date that there was a potential issue with the condo building that requires additional review. Misinformation about this further review process and timeline. 

XX/XX/XXXX : Home loan pre-approved, Mortgage rate locked and we begin to provide application documentation XX/XX/XXXX: All parties agree to move the closing date from the initial date in early XX/XX/XXXX to XX/XX/XXXX. 
XX/XX/XXXX : We receive our Closing Disclosure from Bank of America for review XX/XX/XXXX : The week of the closing. Our processor ceases to respond to multiple email and phone inquiries regarding scheduling the closing. 
XX/XX/XXXX : We contact the processor 's manager due to the processor 's silent. We do not hear from the manager either, and only receive contact from only after escalating to our loan office. Processor informs us that there is an issue with the insurance policies and appraisal review that would take another day, pushing closing to XX/XX/XXXX. 
XX/XX/XXXX : Our broker informs us that the seller has been told by his attorney that there is an issue with our loan approval. We message our bank contacts and 5 hours later loan officer calls to say to tell me we did not pass final review at Level 1 and she would have to send up the next level, and further would review would take several days. At no time did Bank of America representatives reach out to us - instead we learned third hand, and when we contacted BoA we had to wait 5 hours for an answer. 
XX/XX/XXXX : We are told by our loan officer, who says she has spoken to whomever is now responsible for review - that the process will take 48-72 hours. 
XX/XX/XXXX : After the 72 hours have expired, we are told it will be another 24-48 hours. 
XX/XX/XXXX : We are told that there will be an additional 1 or 2 business days. 
XX/XX/XXXX : We learn that Bank of America is requesting further documentation from the building for review. We were not given the list of items requested, and seller 's attorney was not aware of this request. Loan officer advised she would get the list to us by XXXX the next morning. 
XX/XX/XXXX : XXXX and we have finally received the documentation list, after calling Loan officer 3 times since the prior afternoon to request it. We are now 7 business days past our intended closing date and this brand new request for documentation will delay us further, with no promises of turnaround time for review.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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.

has violated my rights. Or a list of inquiries : 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 2022-04-20
Product: Mortgage — FHA mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Since XX/XX/2019 's bankruptcy, mortgage not included, is listed closed on my credit report, even though I have continued payments including huge increased amounts added to monthly payment, my choice of home insurance being paid directly to insurance agency was changed ( without my request ) to an escrow by mortgage holder. I received an email from my password with this mortgage agency and forwarded these discrepancies to their headquarter and the Attorney General 's Office to no avail nor response. To-date, no report of payments since XXXX  is posted to the Credit Bureau XXXX My on-line communication and messaging were frozen and unable to download to view visually.
Consumer complaint received 2022-04-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

My name is XXXX XXXX XXXX, Social Security Number XXXX I started my mortgage with Shellpoint Mortgage Services XXXX XX/XX/2020. My Mortgage number is XXXX and is for an apartment located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have paid my mortgage on time during all these months, however, I'm having problems with the extra principal payments On XXXX XXXX, I did a Principal payment of {$41000.00}, then on XXXX XXXX another one for {$6800.00}, on XXXX XXXX another one for {$1800.00} and on XXXX XXXX the final one for {$1700.00} In total, I have paid {$52000.00} to the principal. 

However, these payments have been taken out from the system and never applied back, some of them have been applied to interests and others to cover new months payments ( so not all the money is applied to the principal ) All these problems are happening because Shellpoint online software takes the money and starts moving it in and out. In the end, the numbers are not correct. 

I'm having a lot of phone calls and emails trying to solve this issue, however, shell point is denying the help and also not replying to most of them. 

More than one year later, I'm still having the same problem with no solution. 

I'm attaching the following documents as a support * An XXXX chart with the payments done and the correct principal balance I should have today ( {$170.00} ) *A pdf from the Shellpoint software showing how they took my payments out and start moving them without applying again to my principal * An email from them when they confirmed their mistakes and applied some of my payments back, but then their software make mistakes again I have much more emails that I sent them without getting any response from them back if you need them
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX account reference number XXXX has violated my rights. 15 U.S.C 1681section 602. A. states I have the right to privacy. 15 U.S.C 1681 section 604. A. It also states consumer Reporting Agency can not furnish a account without my written instructions.
Consumer complaint received 2024-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

The federal government has frozen all of my assets despite repeated identity verification from my bank. I have not been able to access my money for more than XXXX XXXX and my entire life has effectively been ruined. I am barely getting by on what Im able to borrow from literally everyone I know. I need the federal government to release my identity NOW
Consumer complaint received 2022-11-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2024-03-14
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. (SC)

I 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, who's studying computer science, helped 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 if you could assist in removing the following from my credit report. these are the inquiry : XXXX || Date of inquiry : XX/XX/year>
Consumer complaint received 2023-10-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NY)

My spouse transfered the balance of.my card to hers for interest free promotion. The amount of {$2900.00} was credited to the wrong account. I requested the amount be credited to the correct account which was not done. I asked for a refund of the amount and the credit was removed in full but not sent to the originating account nor was it issued in a check. This occurred in XXXX and the last conversation I had, after being hung up on by the first representative, I was assured that the redit would appear on the XXXX billing statement. This has not occurred. Clearly Citi intends to defraud me of {$2900.00} as well as the interest incurred on the account as a result of thier fraudulent activity.
Consumer complaint received 2022-04-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (FL)

- was in forbearance during XXXX -signed a deferral agreement in XXXX XXXX XXXX XXXXstarted making payments since XX/XX/2021 as per agreement signed -account is still not up to date and all payments have been made -every time I ask a representative on the phone about when the account will be up to date and restored online and all, they can never give a concrete answer and even when I speak to a manager, they keep saying the same thing over and over again that it is in processing and should be up and running soon, its been about 6 months. They are the worst mortgage company I have ever dealt with. I know others that were in forbearance and they were up to date a week after signing the deferral agreement.
Consumer complaint received 2022-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

The credit bureaus are reporting an alleged debt on my credit from the department of education. I have reached out to XXXX after disputing with the credit bureaus to ask them to remove it and they " verified '' it. However, they did not " verify '' it as XXXX contacted me via mail and they have removed the debt collection as it was unable to be verified as mine.
Consumer complaint received 2017-02-11
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA (TN)

I have XXXX loans that I have had since XX/XX/2006 through AES..I have been making payments since XX/XX/2006 ... I have put them in deferment for XXXX months a couple of times but outside of that I have made faithful payments ... .but it 's over XXXX years later and I owe XXXX times the amount now than I originally started with ... I do not understand how..and I have found several other complaints online about this company with people saying the same thing as me and I just want some relief ... .there seems to be no end in sight with this company and I just feel that something needs to be investigated ... please help