davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

There is a telephone number on my Equifax credit file that does not belong to me nor has it ever belonged to me. I have no idea why this telephone number has been listed on my credit report. Because of this I am being denied credit because creditors can not verify my information. I have spoken to three representatives at Equifax on three different occasions asking that this erroneous number be removed, but each time I am told that there is no telephone number listed on my credit file. However, a copy of my most recent credit file ( XX/XX/2022 ) clearly lists this telephone number that does not belong to me. I need it removed. Thank you.
Consumer complaint received 2015-09-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: DISCOVER BANK (MN)

I am a cosigner to my daughters loans and she is unable to pay at this time. I am unable to pay current payments because they are too high. I have tried talking to the Lender and they are unwilling to do anything to make repayment possible. They are unwilling to reduse interest or extend loan term. They say there is nothing they can do to help.
Consumer complaint received 2022-03-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

A filing error was made by my attorney 's office when filing my trust documents. due to this error, my property value was uncapped and my property taxes went from {$5000.00} to {$150000.00}. Due to my escrow account with Bank of America I knew nothing about this until I received and Escrow analysis raising my monthly payment from $ XXXX to $ XXXX to make up the difference. They gave me 2 options : pay XXXX payment, or pay off the negative balance on my escrow account. I borrowed the money and paid the balance and closed my escrow account. ( in excess of {$10000.00} ) Over the next 6 months I worked with my attorney and the tax accessors office and was able to go before the review board where they recapped my property value. In XX/XX/2022 the XXXX XXXX 's office issued a refund for the over payment on my taxed in the amount of {$9000.00}. They returned the money to Bank of America as they were the ones who paid the tax bill. Since XXXX I have been attempting to secure a refund of {$9000.00} from Bank of America. From the list of names provided, you can see I have tried numerous times. On XXXX I spoke with supervisor XXXX XXXX XXXX in Pennsylvania, email address : XXXX, phone number XXXX who said she would expedite the refund, but it would take 2 - 4 weeks to process. It has now been in excess of 4 weeks, so today I spoke with supervisor XXXX XXXX no further identification was offered or received ) who told me the case number XXXX indicated there were detailed notes attached, but she could not locate them. She said she could not determine where the money is, nor when it would be refunded. they are holding my tax refund adn refund to return it to me.
Consumer complaint received 2022-03-16
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. (FL)

This credit bureau has committed a violation of the Fair Credit Reporting Act by re - aging an old account that has been reported on my account inaccurately. That account is a XXXX XXXX XXXXXXXX account that has been reporting on my credit. They had re - age a XXXX XXXX XXXXXXXX account that is reporting on my credit report. When I log into my Equifax account its says that the XXXX XXXX XXXX account is 1 year, 3 months and 14 days old and this is false. I have enclosed a copy of my credit report with the XXXX  XXXX XXXX account for all to see. Kindly see the file attached It is illegal for any credit bureau to re- age any account and it is a violation of the Fair Credit reporting act. I therefore ask you to delete XXXX XXXX  XXXX from my credit report due to this Fair Credit Reporting Violation. A failure to do so will give me legal rights to take action against your company for violating my rights under the Fair Credit Reporting Act.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NJ)

XXXX, XXXX, XXXX Dear Sir or Madam, This message is in reference to my formal complaint sent to Equifax since XX/XX/year>. I reported errors and inaccurate information on my credit report. 
As per the FCRA, the furnisher has 30 days from the date the consumer filed the dispute to due an investigation. However, the time frames they had to do an investigation and reinvestigation to provide the results are over. 
* My name is : XXXX XXXX, I am not " known as '' any other names. - Remove other names. 
My address is : XXXX XXXX XXXX XXXX, XXXX. 
The addresses below need to be removed : XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX * In addition, as per the Consumer Financial Protection Bureau and XXXX XXXX XXXX XXXX website, please see inquiries and auto loans. 
" Lenders can make a request to view credit files. These requests will only count as an single inquiry if they are made within 14- 45 days.

" If different inquiries occurred within 14- 45 days of each other it is considered as 1 injury. '' Please remove these errors : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> *Lastly, old closed accounts past 7 years should have been removed. I found two outdated closed accounts. This is concerning, it has been over a decade. Corrective action need to be taken. 
Please remove : - XXXX closed account and XXXX 
Equifax has willfully refused to remove errors which violates my consumer rights as per the FCRA to report correct and accurate information. I hope this issue can be resolved promptly. Thank you in advance for your assistance considering my request. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-05-05
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: CAPITAL ONE FINANCIAL CORPORATION (SC)

In accordance with the Fair Credit Reporting Act Capital One ( XXXX XXXX  Account ending in XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-03-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: KSP Global Inc. (NM)

They called me telling me that I was probably eligible for a student loan forgiveness program based on my income. They asked me to give them my yearly salary to see if I qualified, so I did and they accepted me. They said I would have to pay {$340.00} a month for the first six months and then after that it would go down to {$320.00} per month. This was a lot better than the {$680.00} I was supposed to pay a month with XXXX XXXX so I agreed. They asked for a letter from my boss to verify that the information I was saying was correct. I did all of that and I actually received a letter from XXXX XXXX saying my student loans had been consolidated and that I was approved for the Income-Driven Repayment ( XXXX ) Plan so it seemed legit. I have been paying them {$340.00} a month since the XXXX XXXX which adds up to {$2000.00}. On XXXX this payment went down to {$59.00}, which I thought was weird since they had told me it would be {$320.00} a month after six months. So in total they have taken {$2100.00} from my account. Today, when I was getting my documents ready today for taxes I logged in to XXXX XXXX to print my tax form and realized that I still owed the full amount- I called them and they said I was most likely scammed since they haven't received any money from me and gave me this website. 


In the documents I am attaching you can see you I have been charged {$340.00} every month of the XXXX of the month ( I only provided my bank statement from XXXX -but happy to provide more documentation showing I have been charged this amount since XX/XX/2021. )
Consumer complaint received 2017-09-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Credit Analysts of MN, Inc. (ME)

Received electronic notification from credit monitoring service of new derogatory entrants to my credit reports. In all, 11 accounts reported to my XXXX, 5 to XXXX, 5 to XXXX. The accounts are for {$100.00} a piece, all share the same account number with each individual entrant listed as Acct # XXXX, XXXX, XXXX, etc. 

No communications were mailed to my address. Upon calling the debt collector listed, was told I better pay all outstanding balances immediately before " we XXXX XXXX your credit score even more. '' My credit scores have gone down over 60 points across the board. This collector is entering false information into reports first, then using it as blackmail to prevent further credit damage. I have zero accounts for any of the amounts listed.
Consumer complaint received 2022-03-16
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: ENCORE CAPITAL GROUP INC. (NY)

Midland Credit and XXXX are reporting fraudulent accounts on my credit. These are NOT my accounts. I didn't open them, nor did I authorize anyone else to do so on my behalf. I am requesting that they are removed from my credit. Please note attached- I have filed a Federal Trade Commission report and my Driver License
Consumer complaint received 2022-03-16
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

I have recently received several emails regarding someone opening an account up under my name and social security number. I have tried to call XXXX, and spoke to a young lady. She confirmed that there were several accounts with my name and she confirmed the last 4 of my social security # before I would tell anything. She confirmed that someone in my State and City had opened an account. She went to transfer me to a fraud department and then a recording came on and said no one was able to help me. There was no way to leave a message and the call ended. 
I contacted another number I found XXXX and again got no one as I dont bank there and without an account number no help from the company. 

The first email I received stated that an online application was in progress along with my name and Confirmation # of XXXX at XXXX today, second email was received at XXXX and stated that I needed to verify my email address which I did not do, third email received at XXXX stated that my application was approved, and my account is open with account ending XXXX and that I am enrolled in online and mobile banking. I have filed a police report with my local police department, but I need a claim number from this bank and the fraud phone number from them.
Consumer complaint received 2019-07-10
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. (GA)

This is a formal complaint and report that my identity has been stolen, various accounts had been opened in my name with out my knowledge, I'm requesting this information listed below be removed from my consumer credit file, I have file an id theft report that is attached to this complaint, please help me to fix this matter. 
Thank you.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as Equifax, XXXX and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer.XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} Inaccurate Address : XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$6100.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX.
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

In XXXX through XX/XX/XXXX XXXX XXXX XXXX  ( XXXX ) approved me for COVID-19 Forbearance Plans of which I received assistance from the CFPB in the latter part of XXXX that led to COVID-19 Forbearance Extensions. 

With the assistance of the CFPB, XXXX approved me for a Trial Period Modification in the amount of {$430.00} for for the months of XXXX, XXXX and XX/XX/XXXX. All Trial Period Payments were made on time and as a result ; XXXX approved me for a Permanent Modification in the amount of {$420.00} of which XXXX scheduled the first Permanent Modification Payment to be withdrawn from my Checking Account on XX/XX/XXXX ( the {$420.00} payment posted on XX/XX/XXXX as XXXX Confirmation Number : XXXX ). 

On XX/XX/XXXX, I received a Credit Report Alert that my Credit Score decreased by XXXX Points. Upon review of my Credit Report ; XXXX reported on XX/XX/XXXX that my SLS Account was 120 Days Late in the amount of {$3900.00} with the Date of Last payment listed as XX/XX/XXXX. 

On XX/XX/XXXX, I made multiple telephone calls to XXXX in an attempt to speak to someone that could correct the negative credit reporting that XXXX  placed in my Credit File/Credit Report. The XXXX XXXX repeatedly informed me that their Telephone Representatives were receiving large volumes of calls, that they were experiencing technical issues and to try calling back in 30 minutes while they resolved the issues. Each time I called back I was unable to speak to a Representative and was given the same message to call back in 30 minutes. 

After not being able to get through to XXXX Representatives by telephone ; I sent a message to the XXXX XXXX XXXX XXXX describing the negative credit reporting thaXXXX XXXX placed on my Credit Report/Credit File, but have not received a response from XXXX. My XXXX Account is not delinquent, and is not 120 Days Late as XXXX has reported in my Credit Report/Credit File. I am currently in a Permanent Modification Status with XXXX  and have not been late in making any of my Trial Period Modification and Permanent Modification Payments. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-03-11
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. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2017-09-08
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. (UT)

I want an immediate credit freeze from XXXX, ( and the other two companion credit bureas ) due to XXXX 's data breach, but they want to charge me for it unless I can PROVE I am a victim. XXXX is currently failing to notify ANY victims, and the breach has been known for over 1 MONTH! XXXX  SHOULD NOT BE ALLOWED to charge for a credit freeze of any of their customers when their own carelessness is responsible for the data loss. Offering me credit monitoring IS NOT A PROPER SOLUTION.
" XXXX-based XXXX, one of three major U.S. credit bureaus, said Thursday that " criminals '' exploited a U.S. website application to access files between mid-XX/XX/XXXX and XX/XX/XXXX of this year. XXXX discovered the hack XX/XX/XXXX, but waited until Thursday to warn consumers. '' XXXX XXXX XXXX
Consumer complaint received 2015-11-05
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: N.A.R., Inc. (UT)

I received a letter in the mail today from a bankruptcy office stating that a company named NAR INC. was awarded a judgment against me on XXXX/XXXX/2015. This is the first Ive heard of it. Previously, I had tried to work out a payment plan with NAR, INC ( North American Recovery ), but they would not accept anything lower than {$50.00} per month. I failed to pay them the XXXX payment due to the fact I could n't afford this payment, now 1 month later they were awarded a judgement? They would not accept the {$25.00} a month payment I offered them. Then I never heard from them again. Now I 'm getting a notice from a bankruptcy lawyer wanting my business. I had no idea there was a court date, or if there was even a court date. I would have liked the opportunity to tell a court how much I could afford to pay them. I just checked my credit report, and sure enough there is a judgement against me.
Consumer complaint received 2022-03-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation (OH)

XXXX, 2021 I reached out to the three credit bureaus requesting the latest updated version of my credit report, after reviewing my credit profile I noticed an erroneous creditor ( One Main Financial ) jeopardizing the integrity of my credit profile, by law if the FCRA I have the right as a consumer to challenge any information thats does no appear to be accurate so I sent in a letter via asking that this information pleased be removed on XXXX from my credit profile I sent the letter to the direct furnisher asking that this account be removed do to its inaccuracy, after days gone by, I received correspondence on XX/XX/2021 saying that the letter didnt provide sufficient information to investigate, so I submitted another request in addition to get a resolution for this erroneous account, unfortunately I was unsuccessful again for the second attempt, I got replied the same response as before so I Battled with this furnisher for months going back and fourth getting nowhere wasting time, energy and money that I did not have in a spike of a pandemic jeopardizing my health and families, Till finally I received a letter stating that they had a chance to investigate this matter and made some adjustments and modified the loan and switched information around that they reported accurate in the past! So how was this information verified accurate in the first place? Before investigating this information I was told this information was verified accurate, which was contradicting to themselves and also I notified and disputed this account with the Credit reporting agencies figuring Ill at Least get a fair investigation, upon a additional 30 days unfortunately I had no luck and was giving the same contradicting response as the furnisher I feel the three CRAs have not only violated my rights as a consumer with what they have allowed this furnisher to report on my credit profile putting me and the integrity of my credit at great jeopardy but also they have violated FCRA LAWS with being non compliant and as a Consumer I feel the proper actions should be taking against them. A few months went by and I received a letter from a new creditor name ( XXXX XXXX XXXX ) that I had no acknowledgement of requesting a unknown debt to be paid I challenge them and they stated they now manages the old Creditors account under a new business name because the debt was sold to them which I never gave any consent or authorization to do business with this new creditor in the first place not even verbally so how can you say a debt is mines?? so when I challenged this issue with them they told me they will no longer reinvestigate and that the collection will remain on my credit report which is very unfortunate. I have been going back and fourth with this creditor that I have no acknowledgment of and its not getting nowhere. I have invested time and money into this battle I have proof of XXXX receipts, Im asking that you please remove this account off my credit report.
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the FTC.
Consumer complaint received 2017-09-08
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. (CA)

I was identified as being a potential victim of the Equifax security breach on XXXX.XXXX.2017 via their site, equifaxsecurity2017.com. They seriously mishandled my information and the information of others, which puts 209,000 other people at risk of identity theft. They were slow to notify customers of this breach and I would like a resolution, as well as the option of free credit freezing.
Consumer complaint received 2023-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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, # XXXX # XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX XXXX 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.