davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-26
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. (CA)

Hello- I recently submitting identical documentation lists ( social security cards, birth certificates, drivers license, marriage certificate ) to all three credit bureaus ( Equifax XXXX XXXX XXXX and XXXX ) to initiate security freezes for my two minor sons. All the documentation that I submitted was accurate, including the spelling of names. Even with a cover letter and list of accurate documentation, the responses I received from two of the three bureaus contained errors or issues. 

From XXXX, the XXXX XXXX XXXX was correctly created for both minor accounts, but the response letter for one son has our last name misspelled ( XXXX ) instead of the correct spelling ( XXXX ). Therefore, I assume that the very first record in my minor son 's credit report has his last name misspelled. I attempted to call XXXX to correct the issue, but doing a phone transfer I was disconnected. I did not try again. 

For XXXX, everything appears to have been completed accurately for both sons with complete names. 

For Equifax, the security freeze was correctly created for one son, but the response letter for my other son states that " we were unable to locate a credit file for you for one of the following reasons : - You have not applied for credit recently- You have not actively used credit in the past ten years, or - You have not lived in the United States or have not been issued a U.S. Social Security Number ''. 

And, the Equifax response letter addressed to me did not capitalize my first or last name. 

It is very disturbing that these three credit bureaus are in charge of managing all of our personal data, yet they can not manage to accurately create a credit freeze on a minor account. The lack of attention to detail is terrible.
Consumer complaint received 2022-04-29
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: Experian Information Solutions Inc. (PA)

I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX XXXX XXXX/ {$0.00} / XX/XX/2021
Consumer complaint received 2022-08-28
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. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-10-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Equitable Acceptance Corp (TN)

In XXXX, 2015, I replied to an advertisement on XXXX about lowering my student loan debt. The advertisement was initially from XXXX XXXX. I then learned that a company called Equitable Acceptance Corporation would be servicing my loan and making the payments to XXXX XXXXXXXX XXXX on behalf of me. Ive learned that Equitable Acceptance has not contacted XXXX XXXXXXXX XXXX, and is taking money from me that does not benefit me. I have made payments to Equitable Acceptance for over 3 years. XXXX XXXXXXXX XXXX has told me they NEVER require students to pay another company to help with lowering interest rates and monthly payments. I have learned that there is a class action lawsuit against Equitable Acceptance for fraudulent activity.
Consumer complaint received 2021-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: CNG FINANCIAL CORPORATION (SC)

I applied through the Check n ' Go online service for a personal loan. At the beginning of the application, it stated that applying would not affect your credit score. After proceeding to enter personal and bank login information, agreeing to online documents, etc. I received a message that I was denied. I decided to check my credit score and saw that my XXXX  score dropped drastically in the amout of XXXX points based off Check N ' Go 's hard inquiry. 
I called the local store and spoke to XXXX XXXX who stated he was the local Store Manager and confirmed he has never heard of a customer experiencing more than a XXXX point drop in their credit score for a hard inquiry from Check N ' Go. He then directed me to what he says was Customer Service at the number XXXX. I called and spoke to a rep who confirmed I had reached Feedback. He then told me to call XXXX to reach the actual Customer Care line. I called and spoke to someone named XXXX and he confirmed he had never spoke to a customer with no more than XXXX points of a drop in their credit score. He proceeded to say he could be of no assistance, and I needed to contact the credit bureau as they control the amount of points taken during an inquiry. Here I am. I want reasoning for a XXXX point drop in my XXXXredit score for a hard inquiry.
Consumer complaint received 2022-08-16
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: Experian Information Solutions Inc. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-08-16
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: EQUIFAX, INC. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2019-02-01
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)

I do not recognize this company and I do not owe them, remove this from my credit report..I already sent letters to the credit bureaus to no avail..CFPB step up and remove XXXX/XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX/XXXX XXXX, XXXX/XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX XXXX, Chapter XXXX  Bankruptcy XXXX, Chapter XXXX   Bankruptcy XXXX
Consumer complaint received 2019-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (KS)

XXXX XXXX. On XX/XX/XXXX, I received a hardship forbearance with XXXX XXXX, good until XX/XX/XXXX. Last fall the company began sending me statements requiring payments. I emailed repeatedly - which they NEVER answer, wrote them many letters - which they NEVER acknowledge, and finally called them XX/XX/XXXX. The representative merely read off a pre-scripted page and refused to address my problem. XX/XX/XXXX I received a statement, showing XXXX balance due. Then I began receiving statements about every 4 days with different amounts owed, one of them over {$2000.00}. I just received another statement yesterday. 
I have no payments due - either principal or interest - until XX/XX/XXXX. 
XXXX refuses to address the issue, nor do they respond to any of my correspondence. I do not want XXXX to seize my XXXX tax return, which my family of XXXX depends upon. 
Can you help me? 
The mistake has been made by XXXX XXXX, and they refuse to correct their mistake.
Consumer complaint received 2019-07-15
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. (MO)

The following accounts do not belong to me and I'm disputing these accounts in accordance to the consumer laws of the FCRA. I've also sent in a police report. I'm asking that the following accounts are removed, and blocked from my credit file. [ 1 ] XXXX XXXX, {$310.00}, {$240.00}, {$180.00}, {$60.00}, either account belongs to me. 

[ 2 ] Dept of ED/XXXX {$13000.00}, {$7400.00}, {$4400.00}, {$3700.00}
Consumer complaint received 2022-08-16
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. (FL)

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX XXXX  XXXX XXXX. XXXX  XXXX XXXX 3XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX, DE XXXX Requested on XX/XX/XXXX Requested on XX/XX/XXXX Requested on XX/XX/XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX TX XXXX XXXX XXXX  OH XXXX Requested on XX/XX/XXXX, Requested on XX/XX/XXXX Requested on XX/XX/XXXX XX/XX/XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Requested on XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of FCRA.
Consumer complaint received 2023-04-02
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. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that I did not authorize. I contacted the companys and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as I am trying to start a new job that these issues are making more difficult than it should be.
Consumer complaint received 2021-04-13
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. (GA)

i have 2 Late Payment With 2018 XXXX XXXX Account since Covid XXXX. 

no i do not have late payment but i still see a 2 late payment on history also made a late fees. 

and currently account is up to date
Consumer complaint received 2019-01-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CT)

I have not been contacted by my servicer since I submitted my short sale package 1024.41 Loss mitigation procedures. 

We are filing a complaint because the servicer received a loss mitigation application request on XX/XX/2019. They are currently in violation of 1024.41 ( b ) ( 2 ) ( i ) - Notify the borrower in writing within 5 days ( excluding legal public holidays, Saturdays, and Sundays ) after receiving the loss mitigation application that the servicer  acknowledges receipt of the loss mitigation application and that the servicer has determined that the loss mitigation application is either complete or incomplete. If a loss mitigation application is incomplete, the notice shall state the additional documents and information the borrower must submit to make the loss mitigation application complete and the applicable date pursuant to paragraph ( b ) ( 2 ) ( ii ) of this section. The notice to the borrower shall include a statement that the borrower should consider contacting servicers of any other mortgage loans secured by the same property to discuss available loss mitigation options. 

As of todays date the servicer has not stated in writing whether the application is complete, incomplete or stated whether and or what additional documents are needed to complete the application. 

I spoke to XXXX, they received the package last XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2015-10-29
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (GA)

I had a car loan with Santander USA for a whole year I paid them and nothing was apply to my account. This was over 3 thousand dollar, XX/XX/XXXX was suppose to be my last payment but they said I had to pay them for another year. Just this year I got another bank to refinance my car loan. But these people still took money I already had paid them. I had documentation to support this.
Consumer complaint received 2020-06-05
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.
Consumer complaint received 2022-08-28
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. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-09-15
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Onity Group Inc. (GA)

On XX/XX/2020 I XXXX  XXXX filed a complaint with your firm : Complaint Numbers : XXXX and XXXX. 

NEITHER PHH MORTGAGE SERVICES OR XXXX XXXX. HAVE RESPONDED TO THE ORIGINAL COMPLAINT YET THE CLAIM WAS CLOSED AND THE PROBLEMS ARE CONCURRENT AND UNRESOLVED. 

To date, I XXXX XXXX have not received a response from PHH Mortgage nor has XXXX XXXX. responded to the PREVIOUS federal complaint. Both companies are still attempting to illegally foreclose on my home. 

As stated on XX/XX/2020, PHH Mortgage Services purports to be the servicer of my home loan. They claim in writing that XXXX XXXX  owns my loan yet when I call to verify whom owns my loan ; PHH then claims XXXX XXXX XXXX XXXX. owns my loan. I have proof that neither XXXX XXXX XXXX XXXX owns my loan. ( attached ) PHH Mortgage Services then hires XXXX XXXX. to advertise the sale and foreclose on my home. I filed a complaint against the firm on XX/XX/2020 and then asked XXXX XXXX. to Validate the debt on XX/XX/2020 certified mailing number XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. has not validated the debt to date. However, they have rescheduled the foreclosure sale for XX/XX/2020. ( attached ) PHH does not have the authority to act as a servicer on behalf of XXXX or XXXX XXXX because ; XXXX and XXXX XXXX do not have interest in the loan/home. Wherefore, there actions are illegal and criminal. To be more specific these actions are considered illegal foreclosure, fraud and theft by taking. 

XXXX XXXX. has received proof from me that XXXX does not own my loan. I also asked the firm to validate the debt. It has been well over 30 days and XXXX has yet to validate the debt. Yet this firm still continues to attempt to foreclose on my property. Their actions violate the FDCPA as well as the standard foreclosure procedures legally needed to foreclose on a home in the state of Georgia. In the state of Georgia ONLY THE SECURED CREDITOR CAN FORECLOSE. XXXX XXXX. is aware of the laws that govern Georgia Foreclosures. These are also acts of illegal foreclosure, fraud and theft by taking. 

I would like XXXX XXXX. and PHH to prove that XXXX or XXXX XXXX owns my loan prior to them attempting foreclose which is my right to know. It is also my right to verify that the servicer of my loan and their 3rd party debt collector are collecting on behalf of the creditor of my home loan.
Consumer complaint received 2022-08-16
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. (NV)

on the XXXX of XXXX i sent letters to all three credit bureaus ( XXXX, experian and XXXX ) in regards to inquiries i did not authorize or have any acknowledge to on my credit report. i recently applied for a home through a finacial instituion at which i was denied. i requested a copy of my credit report and found i have over 6 inquiries on my ccredit report. XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) .I CONTACTED all of the 3 major credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX experian ) that were reporting the inquires. i was told by the credit bureaus to write a letter disputing the inquiries and a complaint from the CFPB, FTC or POLICE REPORT. Along with providing a copy of my license and proof of address. i requested a copy of the reinvestigation and a list of people they spoke to. As of today XX/XX/XXXX, i have not gotten any updates or satisfaction so on XX/XX/XXXX, i will repeat the process again.
Consumer complaint received 2019-09-17
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivable Management Group, Inc. (GA) (TX)

Receivable Mgmt Group representing XXXX XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2016 amt {$250.00}
Consumer complaint received 2022-03-04
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: AES/PHEAA (FL)

To whom it may concern I have tried numerous times. 
please have the following removed from my account it's affecting my score and my report badly. 
the company is XXXX XXXX XX/XX/XXXX {$4100.00} XX/XX/XXXX {$10000.00} XX/XX/XXXX {$5100.00} XX/XX/XXXX {$8900.00} XX/XX/XXXX {$4500.00} XX/XX/XXXX {$5900.00} XX/XX/XXXX {$6200.00}
Consumer complaint received 2021-08-19
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (GA)

Received a letter from Comenity Capital Bank XXXX XXXX XXXX XXXX XXXX, OH XXXX ) dated XX/XX/2021. The letter informed me that " as of XX/XX/2021, your XXXX Visa Credit Card account was closed due to previous negative experience with Comenity or Comenity Capital Bank. 

I've made payments timely payments, contacted the credit card company to inform them when I was having difficulty over the course of the pandemic and paid when whenever promised. I spoke with a representative today XXXX XX/XX/2021 ) after reviewing this letter and was told that due to my " negative credit history '', the card issuer decided to close my account even though I've been making regular payments.