davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

Dear Experian, I am writing to request a correction of the following information that appears on my Experian consumer report : Dispute : Account Number or other information to identify account : XXXX ACCOUNT # : XXXX XXXX/ ACCOUNT # : XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX/ ACCOUNT # : XXXX XXXX XXXX/ ACCOUNT # : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$400.00}, DATE OPENED : XX/XX/XXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX/ ACCOUNT # : XXXX XXXX ACCOUNT # : XXXX XXXX ACCOUNT # : XXXX XXXX/ ACCOUNT # : XXXX XXXX ACCOUNT # : XXXX Dates associated with item being disputed : XXXX : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  : XX/XX/XXXX XXXX : XX/XX/XXXXXXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Explanation of item being disputed : I would like to state that Experian Is in violation of 15 USC 1681b. ( A ) ( 2 ). Which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I the consumer never gave Experian any written consent to report anything on my consumer report. No consent is identity theft. I have stated above the 10 accounts that are being furnished illegally on my consumer report. I demand that you remove these inaccuracies off My consumer report. If they are not removed, I will not extend my credit to anyone or allow Experian to furnish a report for me. I would like to state that pursuant to 15 USC 1681. ( A ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reports. By Experian allowing these inaccuracies to be furnished on my consumer report, it has caused me to lose confidence in the banking system. If Experian wants To continue doing business with me, they should delete these inaccurate accounts off my consumer report.

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

After several attempts to correct the information regarding a loan with XXXX and 2 subsequent complaints through CFPB. The original creditor, in order to rectify ongoing eronious reporting errors agreed to deletion of the tradeline from my history. 
XXXX sent a letter to Equifax stating this on XX/XX/2019. 
Since then Equifax has refused to honestly and accurately dispute or follow up with this information and refused to remove it from my tradeline history. Equifax has been provided a copy of the letter attached in this complaint by both myself and from XXXX. The previous complaint is referenced underXXXX
Consumer complaint received 2019-10-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LCO Financial Services, LLC (NC)

Very high interest rates. ( 471 - 841 % ) When I click on the loan document. It always gives me an error page. And it still shows I owe a lot. If I go by the payment plan. I would pay over XXXX on a XXXX dollar loan.
Consumer complaint received 2022-05-19
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. (NC)

I have received information from Equifax, and XXXX that I have a bad debt from XXXX with a collection agency called XXXX XXXX XXXX. I asked them to provide me the original contract and the date this alleged debt occurred. After several they keep coming back as verified. This causing a strain in my life and financial situation knowing someone can easily put things on my credit report with proper validation or verification. I reached out to collection agency and they sent me a letter asking me to obtain a proof of residency from XX/XX/XXXX from a XXXX bill? But Equifax XXXX XXXX are reporting debt XX/XX/XXXX. Please see my attachments. They violated my rights per 15 U.S, C. 1681G Law violation.
Consumer complaint received 2019-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AES/PHEAA (KY)

Student loan was initially through XXXX. I had applied for student loan forgiveness. Loan was transferred and during this process the loan appears closed on XXXX XXXX and my credit score went down 32 points!! The account is apparently still active as I still have a balance of XXXX dollars and I still have a payment due as of XX/XX/13. This is unacceptable.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I have two inquiries on my Equifax credit report XXXX and XXXX from XXXX. I contacted XXXX 3 times and also Equifax they both were not able to give me a explanation for the inquiries I have no accounts with XXXX and I have not applied for any credit for XXXX  years. These inquiries need to be deleted off my credit report. I have no knowledge of these inquiries.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2022-05-19
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)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the XXXX Credit Bureaus was XXXX XXXX, 2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to correct immediately : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-07-15
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (MI)

I am an active duty service member. I have a credit card with American Express. In XX/XX/XXXX I requested SCRA benefits because I had heard American Express wil waive the annual fees for their account holders which American Express did. However, I am currently on a XXXX from XX/XX/XXXX to XX/XX/XXXX. I uploaded a copy of XXXX to American Express again to have SCRA benefits applied for the time of my deployment which should be a reduction in interest rate to 6 %. However, American Express keeps telling me that because my interest rate was previously adjusted for SCRA benefits they will not apply them again. At the moment I am currently deployed and paying a higher interest rate than 6 %. I have made this compplaint multiple times with American Express and have received XXXX letters saying my account was previously adjusted and no further action will be taken at this time.
Consumer complaint received 2022-05-19
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: Experian Information Solutions Inc. (NJ)

" I have submitted disputes to you and I didn't received a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you. ''
Consumer complaint received 2022-05-19
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: CORELOGIC INC (SC)

I completed a soft inquiry pre approval with XXXX  mortgage. They instead ran a hard credit inquiry and have denied it. I verified with CredCo and XXXX that they not only ran a hard credit pull on XX/XX/XXXX they also pulled a second hard credit pull on XX/XX/XXXX. I never received a 30 year loan estimate and never gave authorization to proceed in the loan process. XXXX  will only talk to me by email and want paper documentation of the hard pull. I provided a screenshot of my experian and they still denied the hard pull ( s ). CredCo is willing to do a 3 way call to vouch on my behalf because they can not issue paper documentation directly to me- but when we waited on hold with better mortgage XXXX refused to come to the phone.
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MS)

Chapter XXXX bankruptcy is reporting on my credit file with inaccurate data. First, I sent a certified letter to the bankruptcy court in XX/XX/XXXX. I wanted to know how the information was verified. The courts responded on their letterhead ; they do not verify nor report information to the credit bureaus. From there, a certified dispute letter was sent XX/XX/XXXX to XXXX. Per the letter I received from XXXX in XX/XX/XXXX the bankruptcy was removed. 

In XX/XX/XXXX certified dispute letters were sent to XXXX, XXXX and Experian. The two letters mention above I sent as well. The disputes came back as verified which is false. I contacted the credit bureaus via phone and all three stated they verified with the courts and XXXX. This is proof that the credit bureaus did not look at the letters nor did the proper investigation. 

If any additonal information is needed please let me know
Consumer complaint received 2022-05-19
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. (ND)

In accordance with the Fair Credit Report Act XXXX  Account # 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 has violated my right XXXX 

15 U.S.C. 1661 Section 602 A state I have the right to privacy.

15 U.S.C. 1661 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-10-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Immediate Credit Recovery (FL)

A couple of weeks ago I received an email from my payroll department that they were going to start garnishing my wages at 15 %. My payroll department was noticed of this on XX/XX/XXXX. I called the company that now has my student loans, Immediate Credit Recovery, yo ask about this garnishment and was advised they sent me a letter to set up a payment plan but they sent it to an address Ive never lived at. They advised me I can fill out a financial hardship packet and hope that they dont garnish my wages. I filled out the packet and mailed it in with all my bills then on XX/XX/2019 I received a letter in the mail from the US Department of Education to set up a payment for plan for the debt I owed. I called them to set that up but was advised to just disregard the letter I received and it was sent out in error. I was never given the opportunity to set up a payment plan for this debt and Im also XXXX weeks XXXX with my first XXXX  so having them garnish 15 % of my wages is going to put a huge financial strain on myself. The amount I owe is XXXX and Ive also been advised they will be seizing all of my income tax this year. Id be willing to make payments to this company but I cant afford for them to take XXXX a month from me.
Consumer complaint received 2023-10-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: LoanCare, LLC (AR)

This initial issue began in XX/XX/2023. My income was lowered and I needed assistance with my house payments for 2 months -- well it is now XX/XX/2023 and this issue is not even close to being resolved and all I get told is that I did not submit proper documents. Over the course of XXXX, XXXX, and XXXX I contacted LoanCare on a regular basis trying to determine the issues with my partial claim -- it was always something with the paperwork. The first set of paperwork was an error on my part but after that -- I have no clue because I double, even triple checked before mailing. Anyway, with XXXX borrowers on the loan I was first told we both have to sign the same set of papers, no way around it ( for the partial claim ), then I was told no we could each sign a set of papers and send them in, so I contacted the other person on the mortgage and arranged for that to be done. Mind you over the course of these 3 months I venture to say over 4-6 sets of these partial claim documents were sent back and forth, we never were told what was incorrect, each time I called it was a different story. Which brings me to XXXX. On XX/XX/XXXX I mailed via LoanCare 's XXXX provided envelope the last set of documents.The other borrow sent his in around the same time but I do not have the exact date. On XX/XX/XXXX, I get a letter from LoanCare confirming my new auto draft ( that paperwork was part of the documentation I sent on XX/XX/XXXX, so obviously they received my information ). So I call again in XXXX to make sure everything is good to go and find out how to make my house payment. They tell me it will take 6-8 weeks for the partial claim paperwork to cycle through and in the mean time I need to call each month to make my payment. So then I call to make my XXXX house payment and guess what??? My partial claim application has been closed since I failed to return the appropriate documents in the allotted amount of time so I need to bring my loan current or I can reapply for a partial claim and begin this 6 month process completely over. 

I can tell you first hand, this company has no consistency or compassion. I take my mortgage very seriously and have been concerned about this process from the beginning because I do not want anything to happen to my home. One day everything is good to go and then the next day a completely different story. I am frustrated, upset and nervous. As a first time home buyer you are unsure what your rights are and being shuffled from one uneducated customer service rep to another is beyond frustrating when dealing with something of this magnitude. 

So currently, I still can not access my account online, LoanCare has closed my partial claim application because I DID NOT SUBMIT PAPERWORK ON TIME, and they would like the {$5000.00}. When asked if someone could explain this to me I was told that I could call back and see if a supervisor would speak to me. I COULD CALL BACK!!!
Consumer complaint received 2022-05-19
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: WELLS FARGO & COMPANY (CA)

I've contacted WELLS FARGO & they told me I've never missed a payment, yet the 3 Credit Bureaus refuses to remove me from being listed as 30 days late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do the 3 Credit Bureaus 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

WELLS FARGO XXXX
Consumer complaint received 2022-05-19
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. (TX)

XXXX, TransUnion are reporting fraudulent inquiries in my credit file. 
These creditors and companies violated my consumer rights by accessing my credit file without my consent. I dont not have and accounts or services with these creditors nor did I ask for credit or services with these companies.
Consumer complaint received 2023-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION (SC)

I have a credit card account with Navy Federal Credit Union that is currently closed. I sent instructions along with a tender of payment of a negotiable instrument for the entire balance to be paid. Navy Federal sent the payment back and stated that I was still responsible for the debt. I sent in the payment again for performance our contract and stated that the credit the account at the sight of the instrument and Navy Federal Credit Union has yet to accept my payment. At this point this is a breach of fiduciary duties and a deprivation of my rights to make payment. I want my account reopened and I will be making my payments on this account from here on out.
Consumer complaint received 2022-05-19
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)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to correct immediately : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to correct immediately : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

My mortgage with XXXXXXXX XXXX was offered to be in their forbearance plan due to COVID-related issues. When the forbearance ended in XXXX, XXXX, I was put on a repayment plan to pay back the funds accrued during the COVID forbearance period. I was told the entire time that my credit wouldn't be adversely affected. During my most recent credit report alert, I noticed a significant drop in my credit score and it was attributed to 4 months of delinquent mortgage payments reported by XXXX XXXX. I have made on-time payments since XX/XX/year> until now and when I reached out to XXXX XXXX , they stated there was no credit reporting protection during the COVID forbearance period and if I'm in a repayment plan paying on time. When I requested what agreement in writing that on-time repayment of mortgage out of forbearance can be reported as delinquent to the credit bureaus to confirm what I was being told, I was told no.