davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-16
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ)

On XX/XX/2020 I contacted NJ Higher Education about a fraudulent student loan that I discovered on my credit report. The loan was issued in XXXX at which time I was not enrolled in any college or university. I was told that the NJCLASS loan defaulted and was assigned to the law firm of XXXX XXXX XXXX, and told to direct all inquiries regarding the loan to the law firm. I tried to resolve the issue with the law firm and they refused to assist me. They have charged me double the original loan amount in interest. I even requested to pay a settled amount just to get this loan off of my credit report to no avail. I'm highly disappointed and really need some help to resolve this matter. Thank you so much!
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

Equifax did not secure my credit information, which I have no control over them having. Now I am one of the millions potentially exposed to very detailed credit fraud. And all Equifax is offering is a 1yr monitoring.
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OPORTUN FINANCIAL CORPORATION (CA)

I paid Oportun {$3300.00} on XX/XX/22 and was told prior to making the payment that my credit reports would be updated as long the money is received by the XXXX. 
I called over 50 times in same day and staff doesnt understand basic XXXX. I was hold for 5 hours and kept getting transferred around. I asked for the address and phone number for corporate office the customer service refused to give me the information. I feel I am being discriminated against because I dont speak XXXX.
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am so bewildered about this situation. I've submitted this complaint 2 times & CFPB & TRANSUNION are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, I'm beyond annoyed. The following accounts listed below were opened due to identity theft. I've provided you ( CFPB ) & TRANSUNION with an affidavit & FTC fraudulent report to support my position. It seems TRANSUNION is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful non complying and being truly negligent. I'd like these accounts blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told me I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see this matter is handled. I'd like the accounts removed/blocked per 605b with the attached documents again... Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution. There has been no known financial harm inflicted on me yet, but potentially all of my personal financial information has been compromised. This is completely ridiculous for a company that handles so many peoples personal information that can be used maliciously to ruin someones life. This is not even a service that I opted into. EquiFax has collected all of my personal information and then released it to bad actors because they were too cheap and irresponsible to hire professional security experts.
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am so bewildered about this situation. I've submitted this complaint 2 times & CFPB & EXPERIAN are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, I'm beyond annoyed. The following accounts listed below were opened due to identity theft. I've provided you ( CFPB ) & EXPERIAN with an affidavit & FTC fraudulent report to support my position. It seems EXPERIAN is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful non complying and being truly negligent. I'd like these accounts blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told me I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see this matter is handled. I'd like the accounts removed/blocked per 605b with the attached documents again... Thanks XXXX XXXX XXXX XXXXI XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I am so bewildered about this situation. I've submitted this complaint 2 times & CFPB & EQUIFAX are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, I'm beyond annoyed. The following accounts listed below were opened due to identity theft. I've provided you ( CFPB ) & EQUIFAX with an affidavit & FTC fraudulent report to support my position. It seems EQUIFAX is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful non complying and being truly negligent. I'd like these accounts blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told me I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see this matter is handled. I'd like the accounts removed/blocked per 605b with the attached documents again... Thanks XXXX XXXX XXXX XXXXI XXXX 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. (CA)

Please take a look at the attached letters and ID docs for verification that it is I 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 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion reported late payments and increase of amount owed to XXXX XXXX XXXX XXXX. 
15 U.S.Code 1681a ( 2 ) ( A ) ( i ) 1681a ( 2 ) ( A ) ( i ) - Reported information can not be only transactions and experiences between the consumer and a company. 1681a ( 2 ) ( A ) ( iii ) - The consumer must be given a chance to direct the information whether they want the information about a transaction they had to be reported or not. This is referenced in the XXXX XXXX XXXX XXXX. 
Notice, it is a fact, affiant is aware, a consumer must be given a chance to direct whether they want the information about a transaction to be reported or not. This is referenced in the XXXX XXXX XXXX. Affiant was not given the chance to opt-out of having this reported information about XXXX XXXX XXXX XXXX not being reported and is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( iii ) and must be removed. Notice, it is a fact, affiant is aware the term identity theft as described in 15 U.S.Code 1681a ( q ) ( 3 ) and Regulation V 12 CFR 1022.3 is a fraud committed or attempted using the identifying information of another person without authority. PLEASE NOTE THAT EACH VIOLATION IS {$1000.00} dollars if you refuse to pay total amount you will be sued in federal court for 5 times the amount along with pain and suffering due to your INCOMPETENCE in reporting the correct information.Notice, it is a fact, affiant is aware, each requirement of the FCRA which XXXX XXXX XXXX XXXX fails to comply with, holds the company liable for {$1000.00} per action and pursuant to 15 U.S.Code 1681i when an investigative report is prepared, no adverse information in a consumer report may be included in a subsequent consumer report unless the reported was verified. Each month this false information was incorrectly verified making XXXX XXXX XXXX XXXX liable for each consecutive reporting shown also this account has multiple billing errors that have been submitted to the company.
Consumer complaint received 2016-03-16
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (NJ)

This is a long store, it started back in XXXX with a XXXX, the plaintiff decided he did n't like my insurance companies offer and took me to court. His car was a flood vehicle with XXXX miles on it and when it went to court, the judge awarded him {$1000.00} for his trouble ( NJ XXXX had offered him more but he did n't want that ). This little ding went into public records even though the insurance company paid it immediately. It was n't discovered until 6 months later when I pulled my credit rating which was in the high XXXX, low XXXX and found that Equifax had dropped my score over XXXX pts. I sent them evidence ( scanned payment from NJ XXXX XXXX and they would not accept it. It was n't until I hired an attorney and got the attorney from NJ XXXX involved that Equifax accepted the documentation. They would not correct my score, only stated that it would stay on my report until XXXX. Since I used to have a stellar rating I assumed that it would correct itself in time. That has not been the case. I have purchased multiple " XXXX Score and Rating '' reports from XXXX, Equifax , etc and every time, Equifax neglects to provide any information. When I contact them they state that my credit companies ( XXXX XXXX, XXXX, etc. ) must not be transmitting the data. I 've been to XXXX XXXX, etc. and they indicate the contrary stating they report monthly and always have. This back and forth only got this way after I had hired an attorney. It has now been almost 4 years and I still cant get the information I 've paid for nor the correct information. 
The incident numbers below are over several years, as I have been trying to resolve this for that long. I also hired an attorney to look into the issue and after his communications, they lowered my score. 
XXXX - Equifax XXXX - Equifax XXXX - Equifax XXXX - XXXX XXXX - XXXX XXXX - XXXX
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (OR)

Equifax allowed unauthorized access to personally identifiable information ( PII ), allowing unauthorized person ( s ) access to highly confidential information. 

Prior to notifying the government and public that PII had been compromised, key executives at Equifax divested personal shares, profiting before Equifax shareholders, stakeholders, the public, or government authorities were able to act on relevant information.
Consumer complaint received 2022-03-16
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

I have reached out several times to the companies involved to send validation for these fraudulent accounts that were open without my consent and they have not furnished these documents. I am having difficulties opening up bank accounts due to this. Persuant to 15 US 1681, the information being reported is incorrect and therefore must be removed. If these items are not fixed and removed, XXXX intent to sue.
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Scratch Financial, Inc. (CA)

Scratch Financial in XXXX XXXX opened a line of credit using my name and social security number for another person. The loan has become past due and it is being reported to XXXX on my credit report. XXXX has lowered my credit rating. Scratch Financial will not clear up my credit unless I give them a loan ID and file a police report of Identity theft.
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have a few accounts on my XXXX major reports that i didn't acquire. I also have inquiries I didn't authorize as well. I've tried to have these items removed and still no changes. I'm trying to move to another state and purchase a car and this has greatly impacted my ability to do that based on my credit score.
Consumer complaint received 2016-02-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NY)

This reporting credit agency is falsifying information pertaining to Federal Tax Lien on my credit report causing unrealistic mail by other accounting agencies, and lawyers concerning themselves with tax lien on file with the IRS which is not true at all according to documents enclosed. I spoke to an agent from the credit report agency regarding this matter nothing was resolved as a result I did not pursue the dispute with Equifax.
Consumer complaint received 2017-09-08
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Santander Consumer USA Holdings Inc. (CT)

This account was removed from my XXXX credit report & Santander placed the account back onto my credit report after being removed due to reporting inaccurate information. I am requesting that Santander remove the account from my XXXX credit report ASAP. I have already contacted XXXX  but they advised that i have to complete it with santander
Consumer complaint received 2022-05-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (WV)

PHH Mortgage Services is demanding escrow payments far in excess of what is required to cover costs and offering no interest for excessive balances. They are, in fact, extorting interest-free loans from their consumers and have no justification for the charges. 
This past month, PPH Mortgage Services raised my monthly mortgage payment {$110.00} and provided false justification for this charge. I was told that insurance and taxes had increased and that there was a shortage in my escrow account that would need to be repaid over several months ( see pages 1 -2 ).

This is false. My monthly statements have never shown such a shortage ( see pages 3-4 ). In fact, I received a refund last year. They fraudulently write on one docum
ent the shortage is {$740.00} ( see page 1 ), and then they tell me it was {$400.00} over the phone. The repayment amount of {$62.00} is also random ( see page 1 ).

Indeed, there has been an increase in insurance and taxes this year ; however, it is less than half of what they are demanding.

PPH also randomly assigns minimum required escrow balances. For XXXX it is {$610.00} on one document ( see page XXXX, right column ) and {$920.00} on another ( see page XXXX ). For XXXX, they have a required minimum balance of {$770.00} on one document ( see page 6 ) and {$510.00} on another ( see page 7 ). Meanwhile, my monthly expenses are between {$410.00} and {$460.00} per month and balances sit far closer to {$2000.00} for many months of the year. 
Additionally, XXXX XXXX  themselves sent me a letter indicating that I hold {$59000.00} in equity on my {$210000.00} mortgage ( see page XXXX ). Yet they continue to charge PMI each month.
Consumer complaint received 2022-03-16
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. (TN)

Since XX/XX/XXXX, I have written four certified letters ( attached ) to Equifax regarding inaccuracies and FCRA violations of the Commissioner of Public Works account # XXXX on my Equifax credit report. They have not corrected the multiple problems I have pointed out to them nor have they included my Notice of Dispute for this account which is required to be done within 30 days of being notified. I have also reported to them that clear evidence of re-aging has occurred with this account. All of these actions are clear FCRA violations. According to Title 15 U.S. Code 1681i : Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable re-investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

The XXXX account is shown in red on the attached letters with specific inaccuracies and FCRA violations which as of XX/XX/XXXX still have not been corrected : 1. ) An incorrect Date of Last Activity 2. ) Not listing my Notice of Dispute within 30 days of my notifying them.

3. ) An incorrect Payment History and Date of Last Payment 4. ) Clear re-aging of this account This account needs to be deleted immediately due to inaccuracies and clear FCRA violations.
Consumer complaint received 2023-04-07
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. (NC)

On XX/XX/2023 Mortgage loan with XXXX XXXX was paid off in full in the amount of {$180000.00}. This amount was confirmed and received on XX/XX/2023. Lender has not accurately reported this information in a timely manner to the credit bureaus.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX, XXXX, XXXX  XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXXXXXX Balance Owed : {$220.00} XXXX XXXX Balance Owed : XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX************** Balance Owed : {$740.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$860.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$290.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/year> Reference # : XXXX
Consumer complaint received 2022-03-16
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. (TN)

We sold our house in XXXX XXXX, California starting escrow in XX/XX/2021. Our mortgage company was XXXX, and the escrow company was the XXXX XXXX XXXX. During the escrow process, the XXXX XXXX XXXX was supposed to take care of the mortgage payment ( s ) ( $ XXXX/month ). The escrow process was longer than planned ( stretching over a two month period ), and during this time our mortgage was not paid at all by the XXXX XXXX XXXX. However, XXXX never sent us a certified letter nor notified us in any ways about the missed payments, and we only found out about them after two payments have been missed and my husband received a credit bureau notification about a delinquent account on a Sunday morning. When we called XXXX to advise them we were in the process of selling our home and that XXXX XXXX XXXX was supposed to pay our mortgage in the meantime, XXXX advised us that no one had been paying it and that they were not aware of us being in escrow at all. They advised that a payoff quote for our home was requested from them in early XX/XX/2021, but there was no follow-up to it. It took us several days of long calls between the XXXX XXXX XXXX and XXXX to get the issue solved, and at the end XXXX XXXX XXXX took responsibility for the missed payments, and paid them ( along with the late fees ) during the payoff process. The XXXX XXXX XXXX investigation revealed that they wired money to a wrong account at the time, and no one realized they did not pay our mortgage. At the end of their investigation, the XXXX XXXX XXXX provided us with an email to send to the credit bureaus about the XXXX XXXX XXXX  fault in this matter ( in which they explained it was their fault that the payments were missed during the escrow process, dated XX/XX/2021 ), in order to get the late payment delinquencies removed from our credit histories. However, the credit bureaus advised that XXXX had to remove those delinquencies. When we contacted XXXX, they refused to assist us in this manner, claiming that our account was closed out and there was nothing they could do. We notified the credit bureaus and provided them with that email as proof, also filing claims to remove those delinquencies with all three bureaus online. We are currently trying to obtain a mortgage and are unable to do so due to the delinquent mortgage payment history from 2021 that resulted from this issue, even though we have documentation to prove that it was not our fault.