davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-24
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: EQUIFAX, INC. (AR)

This is XXXX XXXX and I am submitting this CFPB complaint to dispute an error in my credit report. According to my credit report, I have a late payment on one of my accounts, which is incorrect. I have never missed a payment on any of my loans, and I believe this mistake should be rectified immediately. As you are aware, the Fair Credit Reporting Act ( FCRA ) requires that credit bureaus maintain accurate and up-to-date information in consumer credit reports. The inclusion of this erroneous late payment on my report is a violation of this act. I am referring to the following accounts : XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$300.00} XXXX XXXX  Opened XXXX. XXXX, XXXX Balance {$760.00} XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$240.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX  Balance {$18000.00} Opened XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$560.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$99.00} XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$1200.00} XXXX XXXX Opened XXXX XXXX, XXXX Balance {$18000.00}. I would like to request an immediate correction of this error and for my credit report to reflect my accurate payment history. I also request that you notify me in writing of the correction made to my credit report and provide me with a copy of my updated report.
Consumer complaint received 2019-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Navient Solutions, LLC. (PA)

I used a 3rd party service ( XXXX XXXX XXXX ) to get set up with Navient for my student loan repayment. Navient used all contact information from the 3rd party to process my loan. All correspondences relating to my loan, payments and personal contact information was sent to XXXX XXXX instead of me. I received no account number, payment dates, payment amounts, calls or notifications of my repayments status. It was not until a delinquency appeared on my credit report that I was made aware that they were not receiving payment from XXXX XXXX. Once the delinquency appeared on my report, I immediately contacted them and brought the account current! Updated my contact information, including phone, address, email and changed my account log in information. The issue is that the late payment and delinquency was not removed from my credit report. As Navient set up this account with fraudulent information and was never able to contact me to discuss the student loan, my credit has suffered and I am now unable to secure a home loan that I am currently seeking for a home I am scheduled to close on in 30 days
Consumer complaint received 2023-03-24
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. (TX)

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$910.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$320.00} XXXX XXXX XXXX Inquiry : XX/XX/2022 2022
Consumer complaint received 2024-03-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am formally notifying your company that if the appropriate steps to rectify this situation are not completed within 10 days, I will file a complaint with the FTC. You are legally required to respond to me within 15 days. Your failure to do so puts you in violation, subject to fines up to {$1000.00}. 
I trust that upon receiving this letter, you will immediately comply with my request. Please provide the investigation procedures for : XXXX XXXX XXXX
Consumer complaint received 2023-03-21
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
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)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$66.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2021 Reference # : XXXX.
Consumer complaint received 2023-03-21
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)

This is my eight endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2022 XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AR)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arkansas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute some of the information on my credit report that I believe is incorrect. I have identified several negative items that I request be removed from my report as soon as possible. 

Firstly, there are some personal details that do not belong to me, specifically the names " XXXX XXXX XXXX '' and " XXXX XXXX XXXX ''. Please delete these from my report immediately. 

Secondly, there are multiple previous addresses listed on my report that belong to other individuals. The addresses are as follows : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, AR XXXX, dated XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX, dated XX/XX/XXXX XXXX XXXX XXXX XXXX, AR XXXX, dated XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX, AR XXXX, dated XX/XX/XXXX XXXX XXXX XXXX XXXX, AR XXXX, dated XX/XX/XXXX XXXX XXXX XXXX XXXX, AR XXXX, dated XX/XX/XXXX XXXX XXXX XXXX XXXX, AR XXXX, dated XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, AR XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, AR XXXX, dated XX/XX/XXXX I request that these addresses be removed from my report immediately, as they do not belong to me and are therefore not relevant to my credit history. 

Thirdly, there are several employers listed on my report that are not mine. The employers are as follows : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Please delete these employers from my report immediately, as they do not belong to me and are therefore not relevant to my credit history. 

Lastly, there are several inquiries on my report that were not authorized by me. The inquiries are as follows : XXXX XXXXXXXX XXXX  XXXX, dated XX/XX/XXXX XXXX XXXX XXXX, dated XX/XX/XXXX XXXX XXXX, dated XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX dated XX/XX/XXXX XXXX  XXXX, dated XX/XX/XXXX XXXX XXXX, XXXX,, dated XX/XX/XXXX XXXX XXXX XXXX  XXXX, dated XX/XX/XXXX XXXX, dated XX/XX/XXXX XXXX XXXX, dated XX/XX/XXXX I have no recollection of authorizing these credit pulls, and I demand that they be removed from my report immediately. 

Thank you for your attention to this matter. I look forward to hearing back from you soon. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2019-09-23
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fedloan Help (MA)

A Fedloan official called to remind me of a payment on XX/XX/XXXX, and I made a payment right away. The rep assured me that my account would be current if I made the payment on XX/XX/XXXX. Then, the rep asked about forbearance, and I informed him that I needed the take to my husband ( we just moved to new york, and we both started new jobs ). However, the rep put my account into forbearance without my permission. I made two payments ( one on the XX/XX/XXXX and the other on XX/XX/XXXX ), but it was still negatively reported. Please allow my credit report to reflect that I am current with my payment.
Consumer complaint received 2019-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

THIS IS NOT A DUPLICATE COMPLAINT. Transunion is reporting an old account incorrectly on my credit report. The item is through XXXX XXXX XXXX, originally through XXXX, account number XXXX. The account type is displaying as OPEN on my credit report, even though the account has been closed and paid in full since XX/XX/16. Transunion even is reporting the account date that it was closed, and notes that the account is paid in full, but still displays the ACCOUNT TYPE as open. This is incorrect. This account should no longer be displayed as open on any of my reports. I have included a letter from XXXX XXXX XXXX   confirming this as true, as well as a copy of the item directly from my Transunion report with the error circled.
Consumer complaint received 2023-03-20
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. (CA)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-09-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc. (NE)

My name is XXXX XXXX, I am writing you because it has been brought to my attention that you are listed as the collection agency for an account I am not familiar with. This negative information is being reported to the credit bureaus and severely impacting my ability to purchase a home. 

The account you are attempting to collect is a school related debt and I did not attend any post secondary education during the time in which you are reporting the account as originating. So that means only a few things, either you have intentionally re aged this account to cause more damage to my credit report, the information you are reporting is inaccurate, or it does not belong to me. 

It is my strong concern that I may not actually be financially responsible for this debt.For my recordkeeping, please provide a copies of original statements showing how the balance was accrued. Additionally, please provide copies of the original contract showing that I am financially responsible for the debt. I am a previous victim of identity theft and have had my information compromised in a data breach. I would like to verify that the documents bare my actual signature and not a forged one. 

In relation to being a previous victim of fraud, I find it most concerning that your agency is not licensed to collect debt in the state of Nebraska, making your attempts and credit reporting illegal and punishable by fines and criminal penalty.
Consumer complaint received 2019-09-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America was the mortgage company for my wife 's house. ( The reason I say my Wife 's house is because in XX/XX/XXXX we purchased the house. I paid half of the down payment and my wife paid the other half. Went didn't get married until XX/XX/XXXX. In XX/XX/XXXX we had a below ground pool put in the back yard. It cost {$33000.00}. In XX/XX/XXXX my wife contracted a XXXX XXXX and lost her job. She was a registered nurse and had made good money. By then I was on Social Security XXXX. I couldn't make the house payment as they were and I sure couldn't afford the pool payments. My wife contacted Bank of America and they were told that she gave them permission for me to handle all of the affairs as it pertains to our home. In the meantime XXXX XXXX  is sending us letters demanding their past due payments. I forwarded this information to Bank of America. Bank of America told me don't worry about XXXX that they would handle them. In the meantime we were approved for a temporary loan modification and a permanent modification would be approved if I made 3 monthly payments on time. Which I did. To make a long story short Bank of America did not live up to their agreement. XXXX ended of selling our house in XX/XX/XXXX. My wife had become so depressed after me fighting with Bank of America and XXXX XXXX for a couple of years trying to resolve our circumstances with both Companies. Which would have never happened if Bank of America had not constantly lied to us. XX/XX/XXXX my wife XXXX XXXX by XXXX XXXX in the garage of the same house at XXXX XXXX XXXX XXXX XXXX Texas, XXXX. She couldn't take it anymore. I would continue to fight until the house was sold by XXXX XXXX. The day my wife took her life i was not at home. I received a call from one of  my neighbors to get home right away its bad. All i could think about driving home was maybe my wife had gotten hurt someone how. When I got to the house the garage door was open my wife was lying on the ground with someone in scrubs trying to perform CPR. All I could do was cry and beg him to save my wife. Here tried until E.M.S.  arrived and worked on my wife for nearly and hour as I cried out in agony. They pronounced her dead. That was the worst day of my life. My wife 's name is XXXX XXXX XXXX. Thank you Bank of America for taking our future away together.
Consumer complaint received 2018-05-29
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. (MD)

Hello, I opened a new car loan account with XXXX XXXX ( XXXX ) in XX/XX/2018. I've made two monthly payments of XXXX. I've spoken to their customer support about why I've not see this account reported on the three CRA 's. They informed me that they have reported to all three but the CRA 's still is not reporting account. Please add this account to all three agencies. I've included their customer report number for your contact.
Consumer complaint received 2021-04-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lending Club Corp (TX)

I have credit XXXX account and found that XXXX XXXX XXXX, XXXX, also with XXXX XXXX serviced by Lending Club Corporation that it was reported on XX/XX/21 that there is a debt being collected. I have yet to know anything about this.
Consumer complaint received 2019-04-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

This will be my several attempts to get this issue solved i have asked XXXX to send validation of these debt they state i owed all they send it dates and amounts i have asked to send me orignal paper with my signature stating i signed these documents and have refused to to send how can you tell some one they owe money and there is no proof besides dates and amount ars is voilating my rights asking for validation once again please send me proper paper work
Consumer complaint received 2019-09-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (AZ)

Someone stole my card number or gained access to it when I lost my XXXX laptop. I travel a lot between XXXX XXXX, XXXX, XXXX, and XXXX. There was some usage at some store in California and then some online purchase. All of these instances were reported to Nordstrom once I realized I did not have my card and that someone cloned my card, not only this one but one from XXXX as well. It was easier getting that resolved than this, and this is a store card. I've been a customer and fan of Nordstrom since I was XXXX, I am XXXX at this point and I am disgusted at the lack of follow-through or follow up. I am also upset about poor customer service. The claims rep who was working on my dispute decided to exercise and abuse their position and power and get into a back and forth with me, I then got a denial letter days later. 

Retaliation at its finest. I know my rights as a consumer. I've written a formal appeal to Card services and I've requested footage, documents, receipts and everything they used to determine that I was the person at fault. Legally per the Federal Reserve and Federal Regulation E, the paperwork should've been made available to me when the claim was closed out- they were not. 

I call and get nowhere with customer service and honestly I feel like the company did not do a thorough investigation and I'm being held responsible for items I did not want or get to benefit from. 


I did not authorize a signer or anyone to use my card instore or online. Please help me by doing what is right and getting this resolved. ASAP
Consumer complaint received 2019-09-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

I sent a certified debt validation letter to ERC XX/XX/2019.  In return I was sent a monthly statement without any other legal information, signature or contract. I legally gave ERC 30 business days for proof that the debt was mines and validation but didnt get that at all.
Consumer complaint received 2021-02-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Account Management Services, Inc. (CA)

I have an unknown collection account on my credit.I was not contacted by the collection agency so I was not aware of the debt until I viewed my credit. I called and was not able to reach anyone so I sent them a letter by priority mail which they have received. To date, the account remains on my credit and I have yet to get a response from them. However, the bureau alleges the account has been verified as belonging to me when it doesn't.