davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc. (GA)

In a desperate need to obtain a loan to pay some bills, on XXXX XXXX, 2017 I obtain a loan from Money Lion for the amount of {$3100.00} with an interest rate of 194 % which I feel is too much to be charged. I have tried to get them to refinance and lower the interest rate but they refuse too.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2022-08-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (VA)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

XXXX XXXX Account # XXXX Bal : {$1000.00}
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

PLEASE BLOCKED AND REMOVED I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below.

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXXXX/XX/XXXX
Consumer complaint received 2021-04-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Forster & Garbus LLP (NY)

THIS COMPANY IS A COLLECTIONS ATTORNEY AND THEY ARE WRITING ME AT AN ADDRESS I DO NOT LIVE AT AND I DO NOT APPRECIATE PEOPLE I KNOW HAVING MAIL FOR ME AT THEIR HOUSE WHEN I DO NOT RESIDE THERE. ALSO THIS COMPANY IS SENDING THEIR COLLECTION LETTERS TO ME FOR AN ACCOUNT THAT DOES NOT BELONG TO ME AND I WANT THEM TO CEIST AND RESIST FROM CONTACTING ME ANY FURTHER. I AM DISPUTING THEIR DEBT AND CONFIRMING THAT I HAVE NOT HEARD OF XXXX XXXX XXXX XXXX  AND I DO NOT HAVE AN ACCOUNT WITH XXXX XXXX XXXXIS COLLECTION ATTORNEY IS OBVIOUSLY SKIP TRACING ADDRESSES AND ASSUMING I LIVE THERE AND IT'S WRONG AND SHOULD NOT BE ALLOWED. HOW DARE THESE PEOPLE WRITE ME AT ADDRESSES I DO NOT OWN NOR EVER LIVED JUST SO THEY CAN TRY TO MAKE A DOLLAR COLLECTING! I AM ALSO REPORTING THESE XXXX TO THE COLLECTION AGENCY THAT HANDLES THEM AND REPORTING THEM TO THE FEDERAL TRADE COMMISSION AS WELL BECAUSE I WILL DEFINATELY PUT A STOP TO THIS XXXX AND I MEAN RIGHT NOW. I ALSO CALLED XXXX AND XXXX AND NEITHER ONE OF THESE XXXX PHONE # 'S WORK FOR THIS COLLECTIONS ATTORNEY. WHAT KIND OF ATTORNEYS ARE THESE THAT THEIR TELEPHONE NUMBERS ON THEIR LETTERHEAD DOES NOT WORK. I MADE SEVERAL ATTEMPTS TO CALL THESE XXXX  AND THE PHONE NEVER RINGS AND DOES ABSOLUTELY NOTHING TO ALLOW ME TO COMMUNICATE WITH THESE PEOPLE BUT YET THEY HAVE THESE NUMBERS ON THEIR LETTERHEAD AND THE NUMBERS DO NOT WORK AT ALL!!! I WILL NOT ATTEMPT ANY FURTHER CALLS TO THESE PEOPLE NOR WILL I COMMUNICATE ANY FURTHER OTHER THAN MY COMPLAINTS REGARDING THEM AND MY COMPLAINT DISPUTES IN REFERENCE TO THEIR BOGUS CREDITOR DEBT THAT DOES NOT BELONG TO ME!! I DO NOT LIVE AT XXXX XXXX XXXX XXXX XXXX NY XXXX AND I SUGGEST THAT THESE XXXX  DISCONTINUE WRITING ME THERE OR USING ADDRESSES OTHER THAN THE ONE ASSOCIATED WITH THE ACCOUNT DEBT THAT THEY ARE COLLECTING ON. HOW XXXX IS THIS TO WRITE AT A COMPLETELY DIFFERENT ADDRESS THAN WHAT IS ON THE ACTUAL RECORDS???
Consumer complaint received 2017-12-10
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Idaho Housing And Finance Association (IA)

Contacted XXXX XXXX prior to property taxes due in XXXX to verify amount covered by escrow. Customer service informed me the escrow account pays the amount and the letter is just a taxes formality. 

XXXX XXXX received a letter stating taxes were not paid with 30 day notice. Called XXXX XXXX 3 times, emailed letter, each time was told it was being taken care of and would take 10 days and watch my escrow account. XXXX XXXX still not paid. Received survey letter in the mail from XXXX XXXX.
Consumer complaint received 2024-02-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2020-10-30
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: OPORTUN FINANCIAL CORPORATION (CA)

All Im asking is to provide true and accurate information on MY credit report. This account was closed in XX/XX/XXXX and out of spite and revenge since I have disputed many times due to incorrect information, you update it to closed on XX/XX/XXXX since you know this will harm my score and it did tremendously! The balance owed is {$0.00}! Why should I have to dispute it a 4th time?! Why cant this company just do right the 1st time!
Consumer complaint received 2017-12-10
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ECMC GROUP, INC. (TX)

ECMC has attempted to contact me and collect on a debt that is not owned to them since XXXX XXXX. They have sent letters, called my cell phone, my family members and my place of business. I disputed the claims that ECMC has placed on all 3 of the credit bureaus under the Fair Credit Reporting Act. ECMC sent a letter to me on XXXX XXXX, XXXX that I owed XXXX in student loans and they would be contacting my employer to garnish my wages. 
I am currently under a payment plan to pay my student loan back and do not owe ECMC. I 've never taking out a loan with ECMC nor given them my information. 
I would like for Educational Credit Management Corporation to not contact me or my place of employment anymore.
Consumer complaint received 2020-08-30
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: Nelnet, Inc. (PA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

After thinking about purchasing a home, I decided to check my credit report. I instantly noticed Inquiries on my credit that I never applied for. I sent in a dispute letter with FTC form and a copy of my personal documents such as bank statement, driver 's license, and Social security card to verify my identity. I sent these letters and documents to XXXX, XXXX, And TransUnion. Furthermore I called each company with the inquiries which stated to me to contact the Credit Bureaus to have them deleted. No one responded to my letters or deleted the Inquiries off my Credit report.

15 USC 1681 ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

15 USC 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 USC 1681c-2 Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of_ 15 USC 1681d ( 4 ) A consumer reporting agency shall not prepare or furnish an investigation consumer report on a consumer that contains information that is adverse to the interest of the consumer and that is obtained through a personal interview with a neighbor, friend, or associate of the consumer or with another person with whom the consumer is acquainted or who has knowledge of such item of information.
Consumer complaint received 2017-12-10
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MBA Mortgage Services Inc. (MD)

Appearance of some type scheme they may have been involved in with the mortgage company agent that didn't allow me to use and FHA Grant (  XXXX XXXX ) that I qualified for and offering another type of loan at the very last minute. I was never given a clear answer as to why they would not accept the grant. 

They lenders were very unprofessional and seemed to drag everything out intentionally. The whole process was unnecessarily stressful. They were still going back in my tax history having me pay off claims that I had already worked out with IRS as far back of XX/XX/XXXX, for example. None of this made sense to me. Since they had waited until the last minute, I had to deplete my savings and retirement account to come up with the down payment. 

I was devastated because I really thought I was in a great situation to purchase a home at that time. 

They constantly " strung '' me along, with periods of time of not taking my calls, lying about why they weren't able to respond to me, saying that documents I sent them were not readable, or they didn't receive them. Also, throughout the whole process I was assured everything was okay and that I would be closing. The closing date was pushed up at least 4 times. I never understood why this kept happening. All I know is it was extremely stressful and weird. 

This all seemed to be intentional to cover something up about the grant that I qualified far If I didn't quality, shouldn't they have let me know sooner so that I could have made a better choice earlier on before I had put so much money and time into purchasing the home. .On the day of " closing '' they were still saying they would not be able to quality for one flimsy reason or another. I was still running back and for the to XXXX re-sending docs they said they didn't receive. I actually didn't meet with the realtor attorney until XXXX that XXXX at his home. 

To top this off, I wasn't able to address some issues I had with the property. I was lied to by the realtor that a " walk through '' wasn't needed because I trusted him when he assured me that everything had been taken care of. 


I feel strongly that something sinister was going on. 

Please advise.
Consumer complaint received 2023-04-04
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: EQUIFAX, INC. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a victim of ID Theft. I have shown substantial amount of proof that I am a victim and I have never opened accounts with Bank of America and XXXX. They will not block these fraudulent accounts. Also all three reporting agencies ( XXXX  XXXX, XXXX ) will not block these fraudulent accounts.
Consumer complaint received 2022-02-02
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: Santander Consumer USA Holdings Inc. (MD)

On XX/XX/22, I sent a letter regarding inaccurate things on my credit report til this day over 30 days later. I have not received a response yet. I think I am being ignored on my disputes by my auto loan company. Section 611 ( a ), it states that a failure to investigate items within 30 days gives a reason to remove immediately from my credit report and it has been over 30 days so they should be deleted promptly. I demand these late payments be updated or will file for litigation. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person and they are currently being investigated by the FTC. I have attached the following documents : my ID, my social security card, and original disputes.
Consumer complaint received 2020-10-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I HAVE SENT TRANSUNION 2 CERTIFIED LETTERS TO REMOVE FRAUDLENT AND UNAUTHORIZED INQUIRIES ON XX/XX/2020 AND XX/XX/2020AND THEY STILL HAVE NOT REMOVED THE INQUIRIES. NOR RESPONDED IN REGARDS TO THIS REQUEST, THEY DIDI REMOVE THE INVALID COLLECTIONS, BUT NOT THE INQUIRIES
Consumer complaint received 2020-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (MD)

In XX/XX/XXXX I received information that I may be deploying and I paid all the balance on my Citibank credit card and kept the card, not knowing that they charge me interest after the billing cycle, without communicating with me the charge accrued interest which I didn't know until they reported it as late payment on my credit report on XXXX XXXX. 

When I reached out to the bank, they reversed all the late payment fees, I paid the remaining payment and they decided to close the account which is not fair to me. 

They put the 90 days late payment for the little amount and despite the fact that I already settled the payment and the late payment is not my fault it is the bank that failed to communicate with me that I have payment that is due. 

I will appreciate if the late payment can be remove from my credit report with XXXX and XXXX, I filled dispute with them and they didn't remove it because the bank claimed that it is valid charge, I explained the same to XXXX XXXX and they already removed it That is the only late payment on my report because I always ensure that I make my payments on time
Consumer complaint received 2020-10-30
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)

Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on Equifax for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX2020 XXXX2020 XXXXXXXX XXXX,2020 XXXX XXXX,2020 XXXX XXXX,2020 XXXX XXXX,2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the erroneous information on my credit report : XXXX XXXX
Consumer complaint received 2023-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Please see the attached documents. A phone call from someone claiming to represent Bank of America contacted XXXX XXXX on the evening of XX/XX/XXXX. She was fraudulently convinced to supply information which allowed a transfer via XXXX from her checking account in the amount of {$3400.00}. Bank of America was notified via a phone call the next day, XX/XX/XXXX. Bank of America issued the denial letter attached dated XX/XX/XXXX. On XX/XX/XXXX, a letter ( attached ) was sent to Bank of America indicating the transaction was fraudulent and is covered by the Electronic Fund Transfer Act. No response has been received from Bank of America. 

I am sending this in hopes you can further pursue the matter. 

Respectfully, XXXX XXXX ( daughter of XXXX XXXX ) I am a signature on the checking account at Bank of America.
Consumer complaint received 2020-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Exeter Finance, LLC. (VA)

I was a with EXETER FINANCE customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account ( XX/XX/XXXX ). Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.