davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I appreciate your time to REMOVE some of the fraudulent items in my file that resulted from an alleged fraudulent activity but I still have items left that needed to be removed. This is my newest complaint that I am a victim of fraudulent activity and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please REMOVE the reporting of any items in my credit file that resulted from an alleged fraudulent activity : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ( Original creditor : AUTOMOBILE CLUB ) XXXX Balance : {$300.00} XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance XXXX {$310.00} XXXX XXXX XXXX XXXX Balance : {$6400.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ==========EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX ( Original creditor XXXX XXXX  ) XXXX Balance : {$0.00} XXXX  XXXX  ( Original creditor XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$250.00} XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$300.00} XXXX  XXXX XXXX XXXXXXXX Balance XXXX {$5000.00} XXXX XXXX XXXX ( Original XXXX XXXX XXXX ) XXXX Balance : {$6400.00} XXXX XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$250.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) Balance : {$310.00XXXX XXXX XXXX XXXX ( Original creditor : XXXX T XXXX  ) XXXX Balance : {$870.00} XXXX  XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6400.00} XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX A XX/XX/XXXX XXXX These items are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some accounts are a mystery to me. Attached in this letter was my new FTC report with numbers XXXX and XXXX.
Consumer complaint received 2019-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

My husband, XXXX XXXX, and I leased a XXXX XXXX XXXX from XXXX XXXX in XXXX, OH on or about XX/XX/XXXX. This was a two year lease, expiring on XX/XX/XXXX, so we traded it in to XXXX XXXX on XX/XX/XXXX in exchange for a XXXX XXXX XXXX. We made our last payment for the XXXX on XX/XX/XXXX, and paid the amount owed for the XXXX at trade in ( see the bank statements, attached ). 

On or about XX/XX/XXXX, we received a bill from XXXX XXXX for payments on the XXXX allegedly owed in XXXX and XXXX of that year. We contacted our salesman at XXXX, sent in the vehicle return receipt to XXXX XXXX, and believed that the dealership and XXXX XXXX had worked things out. We didnt receive any more bills after that. 

As you will see from my attached letter, they had not resolved this billing issue, and our credit scores dropped approximately 50 points over the XXXX holiday. I filed a dispute with Equifax in XXXX of XXXX. The balance was changed to {$XXXX}, but issues remained. 

Ultimately, I filed a second dispute in XXXX since our scores did not recover, and I still had late payment status showing on my credit report ( attached ). 

This dispute was not corrected, and this issue became known in the course of applying for a home equity line of credit from XXXX XXXX this week ( also attached ). I contacted Equifax today, they confirmed that these amounts were past due, and they ultimately sent me to XXXX XXXX. XXXX XXXX Loss Prevention rep ( XXXX ) reviewed my account, confirmed that they were still looking for these two payments, and directed me to the dealership. My question to both was how is it possible that we could owe payments on a vehicle that was in legal possession of the manufacturers dealership/ financial arm? I had sent both parties evidence of our non-possession of the XXXX in XXXX, yet this report stood. In both cases, the parties pointed me elsewhere. XXXX was unwilling or unable to help me beyond that point. 

I then left a message for the general manager at XXXX XXXX hours ago, with no response so far. 

Please help. At no point did any of these companies take any accountability regarding this mistake that one of these parties made, and it is negatively impacting us, despite our best efforts to be as fiscally responsible as possible. 

Thank you so much for reading this complaint. If you have any questions, please call. XXXX. 

Best, XXXX XXXX
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I am writing to you as a concerned individual regarding several inquiries that have appeared on my credit report without my authorization. I kindly request that you take immediate action to remove the following unauthorized inquiries from my credit report within four business days : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Additionally, I request that you thoroughly review my credit report and remove any inquiries that are not attached to active accounts. It is essential to maintain the accuracy and integrity of my credit history by removing irrelevant inquiries that may affect my creditworthiness unfairly.

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or unauthorized information on my credit report, including inquiries that are not associated with active accounts. I have enclosed copies of my credit report highlighting the aforementioned unauthorized inquiries for your reference and convenience. I trust that you will thoroughly investigate this matter and take the necessary steps to rectify the situation promptly. 

Furthermore, please provide me with a written confirmation of the removal of both the unauthorized inquiries and the inquiries not attached to active accounts from my credit report. This confirmation should be sent to the address mentioned above or emailed to the provided email address within ten business days of receiving this letter. 

Thank you for your immediate attention to this matter. I have faith in your commitment to upholding fair credit reporting practices and trust that you will address this issue in a timely and efficient manner. Your cooperation and prompt response will be greatly appreciated. 

Should you require any additional information or documentation from me, please do not hesitate to contact me at the phone number or email address provided above. I look forward to a swift resolution of this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

After reviewing a recent copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please re-investigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. Again as previously stated under Fair Credit Reporting Act 15 U.S.C. Section 1681i, please re-investigate and update this disputed account. Please forward me the name and address of the persons contacted : XXXX : XXXX XXXX XXXX XXXX Balance : {$21000.00} XXXX : XXXX XXXX XXXX Balance : {$22000.00} XXXX : XXXX XXXX XXXX Balance : {$22000.00}
Consumer complaint received 2023-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year, I have sent disputes and have made a complaint with the federal trade commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed asap I will not wait another 50 days to receive any response because clearly, they are ignoring me
Consumer complaint received 2019-05-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

On XX/XX/XXXX, and again on XX/XX/XXXX, I requested validation from this debt collector. All I have been receiving is bills, but nothing with some type of contractual proof that this debt is mine or that they have the legal right to attempt collection from me.
Consumer complaint received 2018-05-25
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : Capital One Account # : XXXX I was never late 30,60, or 90 days late in the month of XX/XX/2017. I'm not sure how this happened, I have always made my payments to you when I received my statements. My only thought is that there was billing error with my statement did not get.
Consumer complaint received 2023-01-27
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: FISERV INC. (CA)

On XX/XX/XXXX I received my deposit of my pay from my XXXX  of XXXX on my Money Network card provided to me by my XXXX. On XX/XX/XXXX I went to XXXX on XXXX XXXX in XXXX XXXX CA to use the ATM and withdraw money to pay bills. I withdrew {$300.00}. I then went to pay my phone bills. Then home to meet my XXXX XXXX to get the XXXX XXXX done on my vehicle. The work on my vehicle turned into a allday process. On XX/XX/XXXX my vehicle was done and I decided to XXXX XXXX it. When I started my car, I saw the XXXX XXXX  was on. I drove to the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, ca. I went inside to get some cash from the ATM so I could get gas. Realizing I only had {$20.00} left from the {$300.00} I had gotten the day before. Due to the payment to the XXXX  for his services. When I requested to withdraw cash from the ATM. It showed I had a negative balance of $ XXXX. I was completely panicked and in shock! I had just gotten paid. I knew on the XXXX  of the XXXX I had ordered some things on line. I knew exactly the amount I spent and knew that there was a big problem. My money was missing. I immediately contacted Money Network. I explained my situation. I was told that there was a withdraw amount of {$400.00} in XXXX ca. On the XXXX at XXXX XXXX and XXXX XXXX XXXX. I said that was impossible because I am in XXXX XXXX and I have not been to XXXX, CA!! I was very upset. I called my XXXX.
Consumer complaint received 2018-03-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MI)

SLS had misapplied a payment for XX/XX/XXXX. Because of this they put funds in a suspended account. Beginning in XX/XX/XXXXthey began reporting to credit bureaus that the mortgage was in late payments. I've made several calls trying to clear this issue up. After speaking with different Representatives on different occasions it was determined that the funds that are in suspend we're being held because they did not apply from the XX/XX/XXXX payment. I have emailed copies of my bank statements showing that the payments were drawn in timely matters for each month of the remaining year of XX/XX/XXXXand the beginning of XX/XX/XXXX. I spoke to a representative on XX/XX/XXXX named XXXX that refuse to take my situation up further to a supervisor or remedy the problem that clearly exist. In fact, he told me to fill out a complaint with CFPB instead of actually dealing with the situation and correcting it. I find this in extremely unethical way of dealing with a situation with a consumer. In addition, the email with attachments showing my bank statements has not been opened 5 to 7 days after it was sent to SLS. When I asked why my email has not been open and reviewed I was giving the fact that they were too busy to process the emails. Within an hour after my contact in discussion I received a call from another department at SLS telling me that my current XX/XX/XXXX payment is late. My bank statement shows that payment was withdrawn from my account on XX/XX/XXXX. I am receiving calls monthly that harass this situation to the point that I just ignore them. In addition to reporting late payments, that are not late to the credit bureaus, they are adding late fees over and above what should be assign because the loan payment is not late.
Consumer complaint received 2021-02-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (IL)

I have a loan that has been paid off according to my payment statements and payment report. I was told that 10 extensions were put on my account and I have zero information on 8 of them. Additionally I was told that I have a XXXX balances 2 payments shy of the the loan pay off. No explanation has been provided to me and nothing of proof regarding the extensions. The remaining balance is substantially high, I asked what options do I have on top of proof and explanation, I was told by a supervisor I would be fine because a settlement was going to be available but was then told that they dont do settlements. So now my loan which would have been paid off by now is almost half of the total do.
Consumer complaint received 2018-03-28
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CO)

I received 2 emails regarding a debt, from 2 different companies, each company says I owe a different amount, they both claim to be collecting on the same debt, but they are 2 different companies. I have all the email communications from BOTH companies, and asked for clarification as to which company actually owns the debt and who I should be communicating with, and they have not responded. I am very leery to make payment arrangements when I don't know who actually I should be dealing with. Please advise!
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Consumer complaint received 2019-05-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount Recovery Systems, L.P. (TX)

Paramount Recovery has repeatedly placed collections accounts on my credit report. The first time around, I sent them a request for debt validation. They did not respond ; however, they deleted the inaccurate accounts from my credit report ( and proceeded to sell them to another collector. ) They now have an account listed for {$1600.00} for me from XXXX XXXX XXXX. I sent a request for debt validation to them via certified mail. They received it, however, they have not complied. Furthermore, another collection agency ( XXXX XXXX ) is attempting to collect the same debt. They also can not validate.
Consumer complaint received 2019-05-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (KY)

I requested a Public Loan Forgiveness payment recount from FedLoan Servicing on XX/XX/XXXX. I have called multiple times including today to check on the progress and have been repeatedly told that it is still in review. When I called on XX/XX/XXXX, the customer service representative emailed the PSLF department requesting that my payment recount be expedited.

Currently, I have 3 loans remaining. FedLoan Servicing has 2 loans ( Loan 1 and Loan 2 ) showing the payment count as 76 Qualifying Payments made with 44 Qualifying Payments remaining with estimated eligibility for Public Loan Forgiveness on XX/XX/XXXX. FedLoan Servicing shows that the other loan ( Loan 4 ) has a payment count of 83 Qualifying Payments made with 37 Qualifying Payments remaining with an estimated eligibility for Public Loan Forgiveness on XX/XX/XXXX. By my calculations, I should have already made 83 Qualifying Payments on Loan 1 and 88 Qualifying Payments on Loans 2 and 4. I just paid Loan 3 completely off on XX/XX/XXXX. I would appreciate any help in getting my payment counts corrected. Thank you in advance.
Consumer complaint received 2019-05-02
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC (FL)

I live in XXXX, Florida and we were hit by hurricane Irma on XX/XX/XXXX. I had to make a costly evacuation to northern Florida to evade the storm. I suffered significant damage to my property and was unable to work for a month due to the aftermath of the storm. 

I received an email from my lender, Ditech Financial LLC which I still have, stating that they would be offering assistance to those affected by this storm. Specifically, as well as other kinds of assistance, they offered repayment plans and forbearances for up to 6 months. 

I immediately contacted them and provided all the paper work they required. They verbally said I was approved for a forbearance and would provide the necessary documents to conclude it. 

By this time I had not paid my mortgage for 4 months ( XXXX, XXXX, XXXX and XXXX ) for a total for slightly over {$10000.00}. I began to pay my mortgage in XX/XX/XXXX when I was told to do so. 

I was led to believe that this would be a forbearance but to my dismay it turned out to be a subordinate mortgage funded by FHA. I only realized this when I went to refinance my existing mortgage with Ditech, and they turned me down because of poor performance on my loan. The problem is that Ditech reported my mortgage payments late to FHA which was inaccurate. 

I can no longer get an FHA loan due to their deception and inaccurate reporting. My credit report shows no delinquent or missed payments to this lender which makes this more frustrating.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

Unathorized hard pull of my credit breport. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX  XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX  XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX  XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
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
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX **** Balance Owed : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ;