davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-25
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. (SC)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX

XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XX/XX/XXXX/XX/XX/XXXX XXXX XXXX XXXX/XX/XX/XXXXXXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX/XXXX  XXXX
Consumer complaint received 2020-03-24
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.
Consumer complaint received 2020-03-24
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. (NY)

XX/XX/18 - A Fraudulent security alert was placed on my XXXX  Report, XXXX / XXXX. - A credit card For XXXX XXXX XXXX  was opened and I was never informed and Never Opened that credit account!! 

I didnt notice until I checked my XXXX  report that it was up there, but XXXX  removed it, Now I been dispute it was XXXX  but they no help and sent over all the info! 

THE QUESTIONS IS HOW THE ACCOUNT WAS OPENED IN THE 1ST PLACE WHEN A FRAUDULENT ALERT WAS PLACED ON MY REPORT?
Consumer complaint received 2020-03-24
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Lil' Wave Financial, Inc. (CA)

Superior loan service and XXXX XXXX XXXX same address for both companies XXXX XXXX   XXXX XXXX, XXXX XXXX, California XXXX has been sending me mail letters. Stating that I owe them money for a loan and said that they will foreclosed my property and will sell my property without any court action ; There was a loan tooken out for XXXX by a person name XXXX XXXX from superior loan service. I dont know that person or the loan company. That person XXXX XXXX has his mail sent to my property a few times, I have no idea who that person is. And never heard of that loan company before. 
I am a XXXX citizen, with XXXX kids.i have been staying in XXXX California for nearly 40 years now. And have no intention of moving or intention of takening any loan what so ever. 
I spoke with the superior loan service general manager XXXX XXXX in early XXXX. And she said she will investigate, but havent heard anything from her but still receiving mail from that loan company. 
Last month the superior loan service company had sent a man to inspect my my home, he came on a Saturday around XXXX XXXX XXXX XXXX while it was getting dark, looks very suspicious and scary. He wanted to come in my property and do an inspection. I said no he can not. He said he was sent by superior loan services and mentioned a name XXXX XXXX. I told him I dont know who that person is. And never heard of that name before. I told him the same with that loan service company.i ask him what company is he from, he replied hes an inspection company from Utah. He had his phone with him, I think he took a photo of me as well with my permission. I am sick of them and there letters, Im XXXX with an illness and they are causing me stress and making my sickness worse. Please help thank you
Consumer complaint received 2020-04-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Delta Management Associates, Inc. (CA)

On XX/XX/2020, President Trump signed the Coronavirus Relief ACT,  which stopped all student loan wage garnishments for 6 months. Delta Management Associates continued to garnish my wages after the law went into effect. They owe me a refund of {$640.00} for two paychecks that were garnished on XX/XX/2020, and XX/XX/2020. In addition, the Delta Management Associates should be held criminally responsible for breaking the law.
Consumer complaint received 2020-03-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

SPS Select Portfolio Servicing a mortgaging servicer for XXXX XXXX XXXX. I made scheduled mortgage payment to SPS on XX/XX/XXXX, in the amount is {$1100.00} which they admitted making a error posting the payment as a principal payment. I requested a correction to be made regarding the reposting of the erred principle payment as a regular scheduled payment. I also requested SPS send me a new 1098 and New Escrow Analysis ; since the misapplied payment on XX/XX/XXXX eschewed there final figures. I have not received the corrected 1098 to do my taxes nor have I received a new Escrow Analysis to determine what my scheduled monthly payments should be. Currently Im over paying my mortgage by paying XXXX monthly to avoid being late. This issue has been going on for months without a resolution. I pray CFPB can intervene on my behalf.
Consumer complaint received 2020-04-03
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TX)

XX/XX/2015 - present I have sent out letters after letters to the company in regards to the following amount XXXX owed. They have no liable proof that the account belongs to me and yet they continue to report false information. I have dispute the account online also with XXXX  and yet nothing.
Consumer complaint received 2022-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Verisk Analytics Inc (FL)

On XX/XX/XXXX while I was trying to obtain insurance I was told my insurance is very high priced because a company called Verisk is reporting I had an accident that cost the insurance company XXXX XXXX dollars. This was not me I did not have a policy or a car on the date XX/XX/XXXX. Apparently it is someone with the same name in the same city as me. My name is XXXX XXXX XXXX XXXX XX/XX/XXXX and my last 4 of my social is XXXX. Verisk told me to contact XXXX and XXXX says that the info was not reported in my name yet it is coming up under me. I will attach everything this company is linking with my name as well as claim numbers. I can be reached via email @ XXXX or by phone XXXX a message can be left for me.
Consumer complaint received 2023-07-12
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. (TX)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.
Consumer complaint received 2020-03-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: COAST PROFESSIONAL INC (AZ)

In XXXX, I was informed that because of my prior service in the military, if I pay {$5.00} per month for 12 months, the loan would be forgiven. I paid that {$5.00} per month until XX/XX/XXXX and never lost my federal refund or heard anything from them until XX/XX/XXXX when my federal income tax was taken. I finally received a payment/financial history on XX/XX/XXXX detailing how all funds paid were directed toward the interest and never to principal, including the taken tax refunds. The payments either was applied to interest or fees, leaving the principal to remain stagnant and collect more interest. This is about as dishonest as you can get and I am very disappointed that the same government that I was putting my life on the line to defend would show their appreciation by continuing to gouge and manipulate veterans.
Consumer complaint received 2020-04-03
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: Experian Information Solutions Inc. (NY)

To Whom It May Concern I am currently looking at my credit report XX/XX/2020 it says on XX/XX/2020 I applied or gave an approval for them to run a hard pull on my account. This information is inaccurate to my knowledge. I called cbna and gave them my social they said I did not apply for anything new. So I than asked what is this hard pull about they had said there shouldn't be one on my credit report. I did not open or authorize any new account or give my information out. So I believe this to be some type of fraud. The customer service rep told me to dispute with equifax directly. This way the hard pull comes off my account. 

I will post a picture of what Is coming up so that you guys can see it.
Consumer complaint received 2020-03-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

On XX/XX/2019 I made an online payment through the loancare online payment website like I always do and got a confirmation email. 
3 days later I called to see why it was never taken out of my account and every day after that leading up to the XX/XX/XXXX and the lady assured me that by the XX/XX/XXXX it would be taken out. it never was. on the XX/XX/XXXX I then called my bank and they had no record of the payment being made or ever going through or trying to go through. 
On XX/XX/19 I made another payment with the same account doing the same thing being changed a late fee and getting an other confirmation email. 
My bank in return said the charge was fraud and returned the payment. I then had to make 2 payment in XXXX and now have a late on my credit report.
Consumer complaint received 2020-03-24
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)

I informed the Equifax Credit Bureau that I was the victim of identity theft, provided them copies of the ID Theft Reports I filed on my behalf. However, Equifax continues to report fraudulent information on my credit reports which is very frustrating and violates my rights as a consumer. The following accounts are the result of identity theft : XXXX/XXXX, $ {$490.00} XXXX XXXX XXXX XXXX, {$6500.00} XXXX XXXX, {$140.00} XXXX/XXXX, {$1000.00} XXXX/XXXX XXXX, {$630.00} XXXX/XXXX, 529 Dispute letters were sent out on several occasions, but fraudulent accounts remain.
Consumer complaint received 2020-04-03
Product: Credit reporting, credit repair services, 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)

Received fraud alert on multiple identity theft monitoring services. Contacted Equifax to try and place a fraud alert and dispute incorrect data in my credit report.and was directed to XXXX website to set up an account to perform the actions listed above. After setting up the account my login credentials that I had just created never worked. I contacted Equifax for support with the problem but they seemed to have no solution other than to reset the password which never worked or to wait anywhere from 30 minutes to 2 weeks and then try again. I asked to escalate the problem with several managers who said they did escalate the problem only to find out on subsequent calls that the problem was never escalated. After a week of being unable to place the fraud alert online I had to place an additional call to Equifax to manually place the fraud alert. I tried to dispute the data manually but was told I couldn't do that. I then called back to the ( XXXX support line and asked to speak to supervisors ( XXXX, XXXX, XXXX, XXXX and XXXX ) all of which disconnected the call with me ( phone went to the company survey prior to hanging up ) at the 30 to 45 minute points in the phone calls. I still have no resolution to the problem, no real time access to my Equifax credit report data and no way to dispute the incorrect data in my credit report. I've spent at least 3 hours on the phone with Equifax with no indication that access to my data will ever be possible. Every time I called into Equifax I was required to provide most of my personnel data to representatives further exposing myself to identity theft by Equifax employees/contractors. I filed a Better Business Bureau complaint against Equifax on XX/XX/ 2020 ( Complaint ID # : XXXX ) and below is the standard answer that Equifax submits every 30 days : Please accept our apology for any inconvenience or frustration this situation has caused. We have referred your concerns to our technical department for review and handling. You will be informed of the results upon completion of their review, however please allow up to 30 days to receive a response.
Consumer complaint received 2023-07-12
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. (MS)

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. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX & XXXX XXXX Account Number : XXXX has violated my rights. Or 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 2020-03-24
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. (MI)

Ive tried to mitigate this credit reporting problem with both Experian and XXXX  in a civil manner. They are inaccurately showing an unverified bankruptcy public record on my file. Ive disputed this record several times and received back the generic a third party ( XXXX ) have certified this is accurate/verified. Well I reached out to XXXX and disputed this public record with them and they were unable to verify it and removed it immediately! These credit reporting agencies have made my life a living XXXX!
Consumer complaint received 2024-02-26
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 this may concern but XXXX XXXX is prohibiting me from. full utilization of my credit leverage, also false late payments stated have decreased my credit score, the XXXX  XXXX XXXX  vehicle loan is incorrect. currently stats the loan is for the personal owner is " XXXX XXXX ". upon purchasing the vehicle loan we stated this would be for a commercial vehicle " XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

please fix this issue asap thank you
Consumer complaint received 2023-07-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2020-04-03
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: Experian Information Solutions Inc. (TX)

XXXX XXXX ADD THIS TO THE FTC ATTACHED PLEASE e FTC enforces the Fair Debt Collection Practices Act ( FDCPA ), which prohibits deceptive, unfair, and abusive debt collection practices. ... The FTC has sued over 30 debt collection companies for violating the law, banning some from the business and making them pay steep financial penalties XXXX XXXX XXXX XXXX was the likely source of the complaints to the Federal Trade Commission accusing XXXX  of falsifying income information on loan applications, says XXXX co-owner and general manager XXXX XXXX. 

XXXX also believes that complaints from the XXXX XXXX XXXX XXXX XXXX spurred the FTC to take action which began in XXXX of 2018.
Consumer complaint received 2020-04-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

I've tried calling AES multiple times and messaging via their website and XXXX in the last 7 days. No direct reply. They are sending out stock answers to people saying that they are a commercial lender that does not have to comply with the CARES Act. They are refusing to stop interest and will only offer 90 days forebearance. They consolidated my federal student loans, I had no choice In the matter. They are skirting law yet brag about being an officially designated FEELP servicer right on their website. Please help!
Consumer complaint received 2021-03-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (FL)

I have sent over my bank statements via fax on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX reflecting the amount ( {$200.00} ) that is not showing on the account. I have called Called on XX/XX/XXXX was advised that its no problem and to fax to XXXX attn XXXX XXXX but just subtract that amount and they will update the account and make a payment. 
Called on XX/XX/XXXX XXXX XXXX and explained that the amount wasnt correct and that its missing {$200.00} I was then advised to send over a fax with a bank statement ( fax sent ) Called on XX/XX/XXXX XXXX XXXX and explained was advised that my account is not credited and then was advised that to wait 10 business days. 
XXXX-Rcvd correspondence stating that the amount is correct. 
( do not have date believe on or before XX/XX/XXXX ) Called again and asked for fax number to send over bank statement along with online statement. 
Called on XX/XX/XXXX XXXX XXXX and was advised they recvd my fax and that they are looking into it and to follow up in 10 business days Called XX/XX/XXXX XXXX XXXX and they are not showing a fax and repeated tried to get me to pay the amount of XXXX. I explained again that this amount is not correct and I have sent over my bank statement I am not making another payment until this account is update. I was then hung up on