davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (IL)

Hello, I have been in contact with Ed financial numerous times since XXXX to receive back the money paid towards my student loans during COVID. According to them they have processed the request however, they are unable to provide a timeline or send a confirmation that the request has been filed. Searching online has showed that every other lender has been able to refund in a timely manner however edfinancial is struggling to refund or give updates. When asked for a time frame I am quoted nearly half a year which is long over the threshold of what any other company is offering.
Consumer complaint received 2021-06-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE (MA)

Hello, Today XX/XX/XXXX just after XXXX I reached out to my loan company the money source, to ask about forbearance as my work hours have been cut. I work for a furniture company and there's a shortage of furniture so we essentially don't have any product to sell. The representative XXXX offered me forbearance with a large balloon payment at the end or refinance which wouldn't be helpful. I asked her for options other than a large balloon payment, which is not a practical option. Obviously if I can't pay for my mortgage during the intervening forbearance period I certainly can't pay it all at once at the end of the forbearance period. I mentioned to her that most of my coworkers were able to get forbearance with their mortgage companies and at the end of the forbearance the missed payments would be placed at the end of the loan. She told me that the law doesn't allow that and that option didn't exist and continued to encourage me to fill out an application which on further questioning was an application to refinance. She was polite but her main concern wasn't helping me, but instead convincing me to refinance or accept a massive balloon payment at the end of the forbearance. Neither option solves or even helps the issue. There was no option for a reduced payment either.
Consumer complaint received 2023-01-13
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: Experian Information Solutions Inc. (AZ)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX ( # XXXX ) and XXXX XXXX XXXX ( # XXXX ) have violated my rights. 15 U.S.C 1681 section 602 A. which protects my right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 or 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. 

XXXX XXXX XXXX XXXX ( # XXXX ) and XXXX XXXX XXXX ( # XXXX ) accounts have been disputed with XXXX, and Experian multiple times, with evidence of sealed, certified letters with USPS receipts. The receipts are available upon request. XXXX XXXX and XXXX have conducted an honest thorough investigation and found the above-listed accounts do not belong on my credit report and as a resolution, removed them. However, Experian states they have conducted a thorough investigation, yet the above accounts remain on my credit which are inconsistent with XXXX and XXXX XXXX. Experian has failed to conduct an honest and thorough investigation with proof of verification in regard to the above-listed accounts. Experian credit bureau provided a standardized, template response as a result of all my disputes over a three-year period, without evidence of the validity of the aforementioned accounts. The aforementioned accounts have not been verified with a legitimate signature or my written instruction to report on my credit. XXXX XXXX XXXX XXXX ( # XXXX ) and XXXX XXXX XXXX ( # XXXX ) are inaccurate and do not belong to me, constituting a violation of my rights as a consumer. XXXX and XXXX XXXX have removed these accounts from my credit report, Experian needs to do the same. 

A copy of my current XXXX Credit Report has been attached, which does have the above-listed account. Experian is reporting the XXXX XXXX and XXXX XXXX XXXX XXXX which are not in line with XXXX XXXX 's data collection. 

As a result of XXXX XXXX, violating my rights by reporting the aforementioned accounts and violating my rights as a consumer, I demand these accounts be removed from my credit file immediately.
Consumer complaint received 2019-12-31
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: PRESTIGE FINANCIAL SERVICES INC (MD)

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : PRESTIGE FIN Made on : XXXX XXXX - XXXX XXXX - XX/XX/2018 Made with : XXXX XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity.

Given the amount of identity theft, I & # 39 ; m sure you & # 39 ; ll agree that verifying your information is in your best interest.

Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.
Consumer complaint received 2022-10-04
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. (NY)

On XXXX/XXXX/2022, I sent a letter regarding inaccurate information reporting on my credit report. since it is over 30 days of an investigation I have not received a response yet. I feel as if I am being ignored and taken advantage of. By law section 611 ( a ) states that failure to investigate items within 30 days requires an automatic deletion. It has been over 30 days i request these items be removed, if not I will file for litigation due to the stress this has caused me.
Consumer complaint received 2023-05-13
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC (OH)

Receiving repeated calls from radius global solutions about an XXXX XXXX XXXX debt that I do not owe. I advised them not to call me anymore and they continue to call. I advised them they have to stop calling and was told thats not how it works. 
They call from different numbers daily
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX is reporting payments late after an automatic stay as a result of a bankruptcy filling including the mortgage. They are not allowed to report any payment activity after the bankruptcy filing as it is a violation of the collections action of such a filing. I am requesting that they remove all activity from the credit report effective immediately from all 3 credit bureaus.
Consumer complaint received 2021-06-03
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. (TN)

I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX  ) and the Creditors ( XXXX  ( 2 ), XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Consumer complaint received 2019-12-31
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: EQUIFAX, INC. (MD)

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX XXXX XXXX Made on : XX/XX/2017 Made with : EQUIFAX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity.

Given the amount of identity theft, I & # 39 ; m sure you & # 39 ; ll agree that verifying your information is in your best interest.

Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.
Consumer complaint received 2023-01-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

Last year I was served eviction papers, landlord agreed to work with me under moratorium mandate, they agreed to compensate me upon moving out, and Im doing so no debt would be owed, no additional fees, and that it would not be held against me in anyway. Also, upon receipt of the funds from XXXX XXXX housing the landlord was to retain the amount designated for back rent and cut me a check for the portion of funding I that was allocated for a security deposit and past due utilities. Ive been trying to get ahold of the landlord for months and had no response, I recently received correspondence from a debt collector demanding over {$14000.00}. I attempted to rectify with the 3rd party collectors. XXXX refused basic service, he refused to provide any correspondence stating I was disputing debt, he refused a supervisor, refused legal department contact information, and refused to assist in anyway overall.
Consumer complaint received 2019-12-31
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: CarMax, Inc. (MD)

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : CARMAX AUTO FINANCE Made on : XX/XX/2017 Made with : XXXX  To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity.

Given the amount of identity theft, I & # 39 ; m sure you & # 39 ; ll agree that verifying your information is in your best interest.

Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.
Consumer complaint received 2021-06-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I recently had a very frustrating and extremely damaging experience with XXXX XXXX  XXXX  Reporting affiliated with XXXX XXXX XXXX XXXX Card. I feel that I am owed the quick removal of the unjustified derogatory credit reporting information to restore my flawless payment history and loss of XXXX points. 
On XX/XX/2021, I received an email notification from XXXX that my credit score had dropped XXXX points. Startled, I log in to find out what had happened. After looking through the reports I found XXXX XXXX had reported that my XXXX XXXX XXXX card was over 30 days past due. Given that I have this payment set up automatically, I thought this was impossible. You can review my payment record and verify all payments have been delivered on time until XX/XX/2021 when the automatic payment failed. I immediately went online and brought the account current. 
Communication is a two way process. My issue is that despite being signed up for full automatic email notification as my preferred communication channel, XXXX did not notify me timely about the first missed payment in XXXX. Had XXXX notified me timely that there was a problem with the automatic payment in XXXX, I could have quickly made a payment and restored the automatic payment function and avoided the same issue in XXXX leading to the derogatory report and loss of XXXX FICA points. 
Moreover, XXXX can see that my payment record is flawless except for your unnecessary report. 
I called three different dispute numbers listed on the XXXX website and my card. All these numbers connected my to telephone agents in the XXXX who could not assist me except to advise I mail a complaint. I did send a complaint letter on XX/XX/2021 certified return receipt. I attempted to follow-up through several XXXX numbers but no one had any updates nor could they tell me who to call to get an update. Again, the XXXX Help calls were directed to agents in the XXXX who had absolutely no information nor latitude to assist me.
Consumer complaint received 2019-12-31
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Merchants Financial Guardian, Inc. (CA)

XX/XX/XXXX a lawsuit was filed in XXXX XXXX over non-payment of home owner 's association dues owed to XXXX in the XXXX ( a legitimate debt ). 
XXXX XXXX - Letter from XXXX XXXX XXXX indicated that the amount remitted was insufficient - a new check was issued for {$4200.00} and negotiated by XXXX XXXX XXXX on XX/XX/XXXX on the condition was that the debt would be discharged and the lawsuit would be dismissed ( case # PCL XXXX ). 
XX/XX/XXXX I was notified by the XXXX in the XXXX office that the balance had not been paid XXXX XXXX - XXXX XXXX XXXX XXXX with a written response, copies of the cancelled check and to date, have not received a dismissal of the lawsuit or acknowledgement of the payment.
Consumer complaint received 2023-01-20
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TN)

Purchased home around XX/XX/XXXX while I was XXXX XXXX in the United States XXXX. I used a XXXX  home loan. The home was then sold as a short sale in the year XXXX. I had a drastic decline in my finances due to getting out of the service in XXXX, and being unemployed. I contacted Wells Fargo who I sought my mortgage through and no help was offered at the beginning or end of everything I ended up losing my home to a short sale because this is what I was told would be the best outcome. I was a first time homebuyer at the age of XXXX and had no experience with this type of loan or knowledge that there was help available. The short sale destroyed my credit score significantly, which I understand why do to the short sale and any job I applied for that required a clearance required a credit check as well and since the home was on my credit report I was not able to secure a well paying job. Please be very aware before purchasing a home especially if it is your first home and beware of the business practices that Wells Fargo is known for. Do as much research as possible. If I would've been older and know and understand what I know now I would've never purchased a home at my age under my circumstances with Wells Fargo.
Consumer complaint received 2020-06-10
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. (FL)

I have filed a identification theft report and submitted it XXXX and Experian and my ID with my correct address my credit report shows a different address that is not mine I have multiple account on my credit report that do not belong to me the creditors don't even have my correct information other than my social security number they have the wrong address wrong email wrong phone number and won't even let me access anything because I don't know the information that they're asking me I spent multiple documents asking for blocked and to be deleted and proof of ownership the accounts in question are XXXX XXXX, XXXX card, XXXX XXXX XXXX, and XXXX card
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (OH)

Unable to access Equifax credit report. Equifax states they were unable to verify my birthday. I believe it is because I have a split file or something. I have investigated the error codes via the internet, and someone else had this issue and suggested this maybe the problem. 

When I log onto equifax website I get error " BLNK '' and I am unable to view or check my credit. I already lost one house rental that solely uses equifax to pull a report. Equifax blocked their request. This has been going on since XXXX. 

I am unable to access my report via XXXX XXXX  the equifax website and creditors are unable to pull my equifax report. 

I was told if I sent documents in verifying my birth date that it would fix the issue. It has not fixed the issue. Please help.
Consumer complaint received 2024-06-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (AR)

Eastern Account System suddenly shows up in collection on my credit report but I never heard of them and never signed a contract to do business with them but they are reporting as the original creditor on my credit report. They refuse to send me the original signed contract between Eastern Account System and myself. I never had their service because it is not available in my area.
Consumer complaint received 2020-06-10
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 have filed a identification theft report and submitted it Equifax and XXXX  and my ID with my correct address my credit report shows a different address that is not mine I have multiple account on my credit report that do not belong to me the creditors don't even have my correct information other than my social security number they have the wrong address wrong email wrong phone number and won't even let me access anything because I don't know the information that they're asking me I spent multiple documents asking for blocked and to be deleted and proof of ownership the accounts in question are XXXX XXXX, XXXX card, XXXX XXXX XXXX, and XXXX card