davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX XXXX, and just to let you know that I am sending a complaint to your good office for myself and there is no third person/company related to this request. Regardless of the multiple written requests, the unknown inquiries listed below are still reporting on my credit report in violation of Federal Law. Equifax failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020
Consumer complaint received 2021-09-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NY)

On XX/XX/2021 I received a request for a {$50.00} loan from my servicer Firstmark for a repayment for a new loan which I didnt take out ( roughly $ XXXX total ). It was confirmed to me by the company on XX/XX/2021. That this was a mistake on their end and that they would fix it promptly. Apparently I overpaid for a loan and instead of it showing as a negative balance its being shown as a positive one which I owe. 

Not only did they not resolve the issue but this incorrect balance is showing up as a late payment and it will negatively impact my credit score next week. They are still sending me letters to repay this loan which they confirmed I dont owe. If I dont fix this within a few days my credit score could be permanently harmed. They are not taking action to resolve it unfortunately. They also stopped responding to my emails and will only respond to calls. I need this issue fixed urgently on their part.
Consumer complaint received 2022-09-17
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. (IL)

This is proof Equifax is not doing a proper investigation and XXXX is using E-Oscar to submit information without providing any proof they're providing accurate information. I have submitted multiple documents that prove they can't validate the information they're providing and they need to be reported to the FTC. XXXX and Equifax are in violation and I need to be compensated for this continued violation at {$1000.00} per month. I have been disputing this inaccurate information for over 18 months and Equifax and XXXX are both liable for the damage to my credit that has occurred. I'm asking for {$27000.00} from both companies as they're aware they're committing this violation and realize there aren't any consequences for this known violation. Hold them responsible.
Consumer complaint received 2021-09-17
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: EQUIFAX, INC. (WI)

what are these remarks by XXXX on my CREDIT REPORT XXXX : Account previously in dispute - investigation complete, reported by data furnisher Good evening, XXXX. I'm XXXX, a supervisor in our Utah billing department. I apologize for the frustration you've experienced with your attempt to close the dispute with XXXXXXXX XXXX. Our intent is not to over complicate the request and I appreciate you bringing this to our attention. I can confirm that the dispute was closed as of earlier today. In regards to the remarks that you mentioned - all disputed transactions found in favor of the merchant must be reported " as disputed '' to the credit bureaus by XXXX. That would have been placed on your account with the dispute previously ; however, because the case was closed at your request, I will update that and you will receive written confirmation of the update via mail. Is there anything else I may assist you with at this time? 

I never knew a dispute with a credit card was reported to the credit bureaus and now XXXX is affecting my credit score it dipped 39 points in a month! Why are you reporting something and since the first dispute I won because that business refunded me I was in the right and I won the XXXX  dispute too as the franchise owner sent me vouchers that equalled the whole amount of my purchase. So are you reporting false information to the 3 credit bureas? I will soon be buying a new home and you better be reporting this correctly as this is my livelihood. XXXX has been horrible to work with. I have NEVER had these issues with any of my credit card companies. XXXX is the best one I have and everytime I have a dispute especially if it under {$50.00} they simply credit me and a dispute is automatic. I do not have to email you people everytime to trigger it. Once I pay this credit card off I will not be using it. You have been treating me very poorly. The only reason I had XXXX is because of the foreign fees, but now you are affecting my credit scores and it is not acceptable. I will report you to the CFPB if you can not confirm HOW you resolved and reported to the credit bureas for the past two disputes.So you are stating you found the dispute to be in favor of the merchant? Ummm no the cleaning authority REFUNDED ME for the dispute I have records of my XXXX  case and everything and XXXX  the same thing! I sent you a message twice for these when they sent me a credit stating that they gave me a credit. WHY ARE YOU FILING THE DISPUTE IN FAVOR OF THE MERCHANT?! 
I forgot to add Equifax to my original complaint XXXX as I could not view my credit report yesterday. If you can please merge this case onto that one.
Consumer complaint received 2021-01-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My name is XXXX XXXX XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My SS XXXX and my is XXXX XXXX. I have attached my bank SS Card and DL for proof of ID
Consumer complaint received 2021-09-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (OH)

I recieved exception on my property taxes on XX/XX/2021 from XXXX County Auditor office through Homestead. I contacted PHH Mortgage and faxed them the certificate on XXXX and again on XXXX. I followed up with a call on XXXX and several times after that. they for whatever reason are refusing to adjust my property taxes.
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I contacted XXXX XXXX XXXX, a debt reported by XXXX XXXX XXXX. I spoke with XXXX, the assistant manager, and she told me they can't find anything with my information in their records for XXXX XXXX for any evictions. She said the corporate office reached out to her about my time there and they couldn't locate any information about an eviction.
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IL)

I contacted XXXX XXXX  and the balance is {$0.00}. Not understanding why this debt is being reported. XXXX XXXX Account # : XXXX for Address of service : XXXX XXXX XXXX , XXXX  XXXX, XXXX XXXX, GA XXXX.
Consumer complaint received 2021-09-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Sessoms & Rogers, P.A. (NC)

On XX/XX/2021 I a arbitrator that had formerly worked with XXXX  XXXX XXXX presided over a hearing between myself and a law firm that is trying to collect debt that i owed to XXXX  XXXX XXXX. The arbitrator agreed to be neutral in his renderings. I did not have a lawyer and the law firm was granted the award on the time barred debt. The law firm is threatening to add a second judgment to my credit report.
Consumer complaint received 2021-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (OH)

Experian owns a company Clarity Services Inc, which sells data to third parties for the sending of unsolicited credit and insurance product offers. The website XXXXXXXX is used to allow individuals to opt out of receiving these solicitations. The issue is that in addition to selling correct data which they then allow me to suppress via the opt-out website, they sell inaccurate data which results in me receiving solicitations for individuals who do not reside at my address. I purchased this home more than a year ago and currently receive solicitations for seven individuals and companies who do not live at this address. In looking at the names, one of those people lived at this address more than a decade ago and lost the home in foreclosure. It is not unusual for me to receive insurance solicitations for 5-6 of the names on the same date from the same company. I contacted Clarity Services at the customer service address on their website today, XXXX, asking how I go about getting those names removed from association with my home address. I was told there is not a way and it is not possible to stop them from selling that incorrect data. I want this reselling of data tied to my address to stop. The companies that are purchasing this inaccurate data are being defrauded as they pay for the information then pay for the printing/delivery of these solicitations. I can stop these mailings for myself but Clarity Services refuses to stop selling my address with other people 's names attached to it. How is it possible that I have a right to dispute credit report information and they are required to investigate those requests but they are not required to investigate when I report they have put my address with someone else 's name for their corporate profits?
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
Consumer complaint received 2021-09-17
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. (CA)

MY NAME IS XXXX XXXX AND I'M FINDING IT VERY DIFFICULT DEALING WITH THE CREDIT BUREAUS REGARDING AN FRAUDULENT ACCOUNT APPEARING ON MY REPORT.
Consumer complaint received 2021-09-17
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. (TN)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2021-09-17
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)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2021-09-17
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: CITIBANK, N.A. (NY)

I have these accounts that are not mine and i want them to be removed. 

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft DSNB MACYS Account Number : XXXX This is not mine. 

5. Identity Theft DP OF EDUC Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft DP OF EDUC Account Number : XXXX This is not mine. 

8. Identity Theft DP OF EDUC Account Number : XXXX This is not mine. 

9. Identity Theft XXXX  Account Number : XXXX This is not mine. 

10. Identity Theft DP OF EDUC Account Number : XXXX This is not mine. 

11. Identity Theft DP OF EDUC Account Number : XXXX This is not mine. 

12. Identity Theft XXXX Account Number : XXXX This is not mine. 

13. Identity Theft XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-01-05
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CURO Intermediate Holdings (CA)

I entered an agreement to pay XXXX monthly towards my debt until XX/XX/XXXX.

On XX/XX/XXXX the agreement expired and would need to be re-negotiated. Because of personal heath issues ( my husband had a work injury / my son had XXXX ), I didn't not remember to contact the collection company NOR did they try and contact me by phone or mail until XX/XX/2021 when they reported to the credit bureaus. 
When I learned of this issue I immediately called the collection to remedy the situation - work out a payment plan and have account removed from my credit. The only way they would remove it is if I submitted payment. My debt is XXXX and will address the payment accordingly. 
my issue is that Astro Recovery didn't try to contact me prior to sending my account to credit reporting agency and given my husband illness / my sons illness and my work, it was not in mind. Had this company done there job, I would have reached a solution prior to reporting the account to credit bureaus. 
Please note that Ad Astro Recovery has a history of not contacting the affected at least in my case - i was the one trying to reach them. Since i didnt want this to be submitted to credit bureaus.

this action caused by credit score to drop by 75 points and can potentially affect my future employment.

i would like this company to remove the account from the credit reporting in lieu of a reasonable payment agreement. Ad Astro Rec would only agree to remove from credit of payment in full for an agreed amount. best settlement given was XXXX and 3mths to pay. I consider this to be super unreasonable considering the current personal situation.
Consumer complaint received 2021-09-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (CA)

Dear Sir, I am a regular mortgage loan client and have been using your website to make my monthly mortgage payments and I have always been on time. But I am very upset and disappointed in your service and handling this month 's payment. 

1 ) I scheduled online payment on XX/XX/21 to draft my bank for XX/XX/21 for {$1900.00} with confirmation XXXX XXXX ) I scheduled an additional principal payment on XX/XX/21 to draft my bank on XX/XX/21 for {$230.00} with confirmation XXXX I noted from my bank that only the 2nd payment of {$230.00} was taken. I called BBT this morning and your representative told me the {$1900.00} was not drafted as you can only draft one payment per day. That is ridiculous! You drafted my extra principal payment but not the regular monthly payment!! I was told my regular payment was cancelled and I have to make another payment. How frustrating is that? Your representative said he would take my complaint. 

3 ) After hanging up, I went into your online payment again to make a payment of {$1900.00} but now there is a late fee added. So I have to pay an extra {$98.00} late fee. My payment confirmation # XXXX in the amount of {$2000.00} was made. 

All this is due to a glitch in your website payment system. Your customer should not have to go through this trouble. I request that you reimburse me {$98.00} for the late fee as it was not my responsibility. I set up payment in XXXX for a XX/XX/XXXX bank draft. It was your ineffective banking system that caused the problem. 

XXXX XXXX
Consumer complaint received 2021-09-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (PA)

I've had issues with Chime a few days ago where they closed my account without reason. They won't give me a reason why. I asked them a few times why and I asked to get my money back and they told me they won't. Told me to try two of these different separate emails and both of them seems like they aren't working. No one is getting back to me. I had a XXXX dollars and I need that money for my bills. This happened about 3 days ago XXXX XXXX.
Consumer complaint received 2021-09-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (OH)

In XX/XX/2019, I opened a request with myfedloan.org to correct payments that were misapplied towards my XXXX. I had previously been working with XXXX  and when my loans were transferred over to myFedloan upon applying for XXXX, payments made are not being applied towards my XXXX accounts. I have made countless phone calls to them in the XXXX years since and Ive been given the runaround about this numerous times. I have been informed on more than XXXX occasions by myfedloan that they are handling this and correcting it. Nothing has been done.
Consumer complaint received 2023-08-31
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. (FL)

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 XXXX XXXX XXXX. 

Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

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 2021-09-18
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. (NY)

This is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.