davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-04
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)

It's Fraud and should be handled as fraud for the inaccurate 's which are all the hard and soft inquires I haven't applied for any application 's so all of the hard and soft inquires are fraudulently on my Experian and XXXX  and XXXX  Credit Reports by my XXXX XXXX adult son who applied for application 's which cause buniesses to do hard and soft inquires all are of his fraudulently applying on application as me my XXXX  XXXX son XXXX XXXX hurts his reasoning and judgement he doesn't know due to his XXXX  XXXX that my name and social security number and my Experian and XXXX  and XXXX   credit scores are my own and only for my use due to his XXXX  XXXX hurting his reasoning and judgement I don't want to pursue criminal charges or law enforcement presents on the matter of fraud of the fraudulent use of my name and social security number and my Experian and XXXX  and XXXX credit report and scores
Consumer complaint received 2017-07-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (OH)

XXXX XXXX is refusing to give me credit for work complete in XXXX  XXXX with the XXXX XXXX XXXX. I have completed the paperwork to certify my work to include the information of my employer EIF number, website, address. etc. My past employer will not fill out the documentation as I no longer work for the XXXX XXXX XXXX after 12 years of service with them. XXXX XXXX is requiring that the XXXX XXXX XXXX sign my paperwork. I am unable to do this and I check the box stating I was unable to do this on the application. XXXX XXXX XXXX   responding in a letter that I had to have them sign it. they are unwilling to take anything showing proof that I work for that XXXX XXXX XXXX and will respond with get a signature. I am no longer employed their and can not walk into my old HR as it was a XXXX I worked at and access must be approved of which I can no longer get. XXXX XXXX is taken advantage of me and probably others in the same situation.
Consumer complaint received 2017-07-06
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. (WA)

OnXX/XX/XXXX I had a Chapter XXXX Bankruptcy discharged. <P/>XXXX XXXX was included in this bankruptcy discharge, and should NOT be reporting ANY negative information on my credit reports. <P/>XXXX : XXXX XXXX listed as an " adverse account XXXX XXXX : XXXX XXXX listed as a " Negative '' in XX/XX/XXXX Equifax report : XXXX XXXX XX/XX/XXXX " date of 1st delinquency, '' XX/XX/XXXX " Date major delinquency 1st Rptd '' On XX/XX/XXXX I  contacted XXXX XXXX XXXX and Equifax credit reporting agencies. The agencies acted clueless as to why XXXX XXXX is showing negative on the credit reports. On XX/XX/XXXX I  contacted XXXX XXXX whom said they would open up an investigation regarding the negative reports. <P/>I have also been told by my banker that XXXX XXXX is reporting a late payment from five years ago.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

Dear Equifax, I hope this letter finds you well. I am writing to you regarding a matter of utmost importance and urgency that directly impacts my credit profile and financial standing. On XX/XX/XXXX, as per the correspondence I received from your esteemed organization via US Mail, it was confirmed that a XXXX account, erroneously reported on my credit profile, would be removed. This decision was based on the findings that the account 's presence on my credit report was in violation of the Fair Credit Reporting Act ( FCRA ) consumer protection laws. 

Despite your acknowledgment and the promised corrective action, I regret to inform you that as of today, this XXXX account is still reflecting on my credit report, as evidenced by a recent screenshot taken from my XXXX XXXX account, specifically showing my Equifax report. This continued reporting is not only inaccurate but also unfairly impacts my credit score and financial opportunities, thereby causing me significant distress and potential financial harm. 

Under the FCRA, consumers are protected against the inclusion of inaccurate information in their credit files and have the right to have such information corrected or removed promptly. Specifically, Section 611 ( 15 U.S.C. 1681i ) provides for the correction or deletion of any information found to be inaccurate, incomplete, or unverifiable. Additionally, Section 623 ( 15 U.S.C. 1681s-2 ) outlines the responsibilities of furnishers of information to credit reporting agencies, including the need to provide accurate information and to correct any reported inaccuracies. 

Given the clear stipulations of the FCRA and based on your initial acknowledgment of the reporting error, I hereby request immediate action to : Remove the erroneously reported XXXX account from my Equifax credit profile without further delay. 
Provide me with a written confirmation of the removal of this account from my credit report. 
Update any related records to reflect the accurate status of my credit information, ensuring that my credit score is correctly calculated without the impact of this inaccurately reported account. 
Failure to comply with these requests may be seen as a continued violation of the FCRA, potentially necessitating further action on my part to seek remedy through appropriate channels. 

I trust in Equifax 's commitment to uphold the accuracy and integrity of consumer credit information, as mandated by the FCRA, and anticipate prompt and decisive action to resolve this matter. Please do not hesitate to contact me directly at XXXX or XXXX should you require any additional information or documentation to expedite the correction process. 

Thank you for your immediate attention to this matter. I look forward to your swift response and resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-07-06
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: FIRST CONTINENTAL MORTGAGE LTD (TX)

On XX/XX/XXXX Advisa Mortgage and XXXX XXXX of Texas put me in a home that they knew that my income could't cover for the VA Mortgage and home expenses and bills. Advisa Mortgage and XXXX XXXX XXXX knew that my income was not insufficient to pay Va Mortgage and home expenses and bills. As I am Divorced and living alone in my new home and been XXXX XXXX and not receiving Social Security XXXX benefits. I provide to lender my XXXX XXXX XXXX letter and paystubs in which Federal Taxes was n't been debited from XX/XX/XXXX. Lender and Builder fail to disclose VA Administration my correct XXXX Lifetime Pension income with Federal Taxes not been debited.I owed the IRS {$9100.00} and have payment arrangement of {$120.00} a month for tax debt years XX/XX/XXXX. A Emergency VA Loan Modification should be implemented immediately so I can have a affordable mortgage payments. A comfortable and less strained VA Mortgage monthly payments of {$900.00} to {$1100.00} with property taxes and home insurance will ease my financial hardship and struggles.
Lenders can implement Grants to cover for any loss and pay for all lost dividends for investors. Can First Continental and XXXX XXXX implement a Grant to give me a Grant Certificate to pay for my property taxes and keep my VA Mortgage affordable for 30 years? My close of escrow was on XX/XX/XXXX. I am XXXX XXXX and Retired .I am Divorced and live alone in my home.I do n't Receive Social Security Benefits.
Consumer complaint received 2024-02-27
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. (MD)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2019-03-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (HI)

On XX/XX/XXXX I sent a letter to LVNV Funding requesting validation of this alleged debt of {$700.00} they said I owed through a letter I received from them. My request for validation was completly ignored and nothing was sent to me validating this supposed debt. Then I wrote them again in XX/XX/XXXX, and received a reply from LVNV Funding d/b/a Resurgent Capital Services on XX/XX/XXXX stating my request for validation was " frivolous and irrelevent '' and " they refuse to investigate my request ''. I wrote them back on XX/XX/XXXX reminding them that they must validate the alleged debt as per the FDCPA or cease collection attempts and reporting it to the credit bureaus. On XX/XX/XXXX they responded saying they received my request and have enclosed their " account summary as verification ''. What they enclosed was a simple half page document made by someone on a computer, which by no means what so ever did it meet the requirements of legal debt validation. So I once again sent them yet another letter on XX/XX/XXXX again requesting legal validation. I heard nothing back from them. So again in XXXX XXXX XXXX I send a request for validation, and on XX/XX/XXXX I received a reply letter from them stating that they don't " believe '' it was me who prepared the letter requesting validation therefore outright refusing to investigate my request, again calling be frivolous and irrelevant. Over all this time they continue to report this alleged debt to all 3 of the major credit bureau 's as a derogatory and negative account against me, not ever reporting it was disputed. This has cause me much financial hardship.
Consumer complaint received 2020-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NY)

I tried to obtain a credit report online, but I was unable to, so I contacted the Bureaus to request a free copy of my credit report, pursuant to the FCRA. I requested these copies on XX/XX/XXXX of 2020, and it is now XX/XX/XXXX, and I have yet to receive anything. I just resent another request, in the hopes of being able to obtain a credit report.
Consumer complaint received 2016-11-07
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WELLS FARGO & COMPANY (AZ)

On XXXX XXXX, 2016 my husband went to Wells Fargo to send a wire transfer to XXXX XXXX in XXXX XXXX. Wells Fargo sent the wire wrong and the funds were never received by XXXX XXXX. On Monday XXXX XXXX, I went to Wells Fargo to find out what happened and why did XXXX XXXX not receive the money. It was discovered that the banker had used the wrong XXXX number. I was told that the funds would be recalled and sent to the right place and this would happen within 48 hours, 3 days worst case which would have been Thursday XXXX XXXX. I specifically asked what would happen if Wells Fargo could not get the money back. I was told that Wells Fargo would send the money and take it as a loss. On Friday, XXXX XXXX the funds had still not been received, so my husband went back to Wells Fargo. They told him that they would put the money back in our account next week and we would have to resend the wire, completely disregarding what they initially said they would do to correct the problem. I told the company in XXXX that they would have the money by Thursday XXXX XXXX, because Wells Fargo promised that it would be no later than that. Today Monday XXXX XXXX, I went back to Wells Fargo and explained that waiting for them to put the money back in my account is not acceptable when they already promised XXXX XXXX would have the funds by Thursday the XXXX. They told me that they escalated, but there was n't anything else they could do. That we would have to wait for them to get the money back and once they have the money back, they would put it back into our account. So I asked again, what happens if Wells Fargo could not get the money back, again I was told that they would take it as a loss. So I asked why they could n't just wire the money as promised, and Wells Fargo do the waiting for the money back? They said they could n't do that. What are my rights? Wells Fargo charged me {$45.00} to wire the money and charged us more than the exchange rate for converting to XXXX. How is this even legal?
Consumer complaint received 2019-03-04
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: EQUIFAX, INC. (FL)

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I sent a investigation request to Equifax and XXXX XXXX on XX/XX/XXXX. Well over 30 days have passed, and I still do n't have a response back from either.
Consumer complaint received 2017-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WA)

X/XX/2017. Attempted to freeze Equifax account using telephone # provided by your website : XXXX. Data entered using the telephone prompts- > '' system processing '' - > '' unable to process at this time, call back later or go to online site ''. I had previously looked at the online version and found it incredibly user unfriendly, and overly wordy. Freezing my account should NOT be made unduly difficult!! 

Additionally, I would fire this company if I had the means to do so! Equifax is NOT worthy of my trust, is NOT qualified/responsible enough to have any of my most vital financial information ( particularly my social security number ).
Consumer complaint received 2017-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Convergent Resources, Inc. (GA)

XX/XX/XXXX mailed check for balance listed on credit report : {$310.00} Called several times to check the receipt of the payment. Contacted attorney for cashed check proof it was emailed to me. XX/XX/XXXX emailed proof of cashed check to XXXX XXXX to # XXXX XX/XX/XXXX sent an email to XXXX as directed with all proofs that I had previously submitted.
To this day I have heard nothing, and my credit file continues to show that I owe on this account.
Consumer complaint received 2017-09-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (TX)

I used to pay {$2000.00} on a {$500.00} payment. They kept putting additional monies to a suspense account until I got the next bill. Then I had to call and complain. All extra overpayment should be applied to principle. Trying to pay off account Sent a check they would n't take it and it 's the same bank they deal with. So much more. Call for more information
Consumer complaint received 2019-03-04
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (FL)

After graduating with my XXXX XXXX it took me about 6 months to continue with my XXXX XXXX at a university awaiting my approval and to save up money to continue at a big university. I never once received any mail or phone call that my account was no longer deferred until I got to the university and they said I might want to give XXXX a call, I called and found out that my accounts were 180 days past due and that my number was wrong and that my address was old. They told me the school should have let me know that my account was longer in deferment, how can you say that when you are the loan service provider. Long story short I received a job offer from a local agency the reason for me going to school and taking out any loans and they told me credit was showing delinquent. So I called XXXX and explained them my citation they didnt even care no sympathy even when I told them about my career choice and how 6 months working there they do school reimbursement that could even pay them back even faster than I could just correct credit errors.
Consumer complaint received 2017-09-28
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Direct Recovery Services, LLC (OR)

On Thursday, XX/XX/XXXX one relative and one former roommate ( in XX/XX/XXXX ) received phone calls from XXXX. I have not received any written communication from this client or debt collector. Attached is a message left on one voicemail, the other call was picked up. I received a phone call but no message. Attached is the voicemail left on my relative 's answering machine. These calls happen weekly but the most recent was XX/XX/XXXX
Consumer complaint received 2022-08-10
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. (NC)

back in XXXX  i sent letters to all three credit reporting agency that I was a victim of ID theft all negative items i wanted removed from my credit with no avail, so I am submitting a letter from the Irs cementing that fact so I am you to ask to remove said items from credit reports
Consumer complaint received 2021-09-07
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. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. 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 Equifax was XXXX XXXX XXXX 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 inquiry listed below is still reporting on my Credit Reports : XXXX XXXX BUREA-Date of Inquiry XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-04
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION (NC)

After disputing an auto account from Credit Acceptance they continue to verify the account as mine even though I have submitted the police report that outlines the account as not my liability. The reporting of this account is causing damages to my credit rating and my image. I will continue to take necessary steps to have this account removed from my credit reports and my responsibility.
Consumer complaint received 2017-09-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Weinberg Mediation Group LLC (FL)

on X/XX/17 at approximately XXXX XXXX, I received a call from XXXX ( from XXXX, AZ ). I did n't answer it and a message was left. The message said " This is a final courtesy call from the Weinberg Mediation Group before reporting that you have been uncooperative in the investigation against you I 'm extending you one last chance to contact our office if we do not hear from either yourself or your legal representation today. We will be left with no recourse other than to report your non-compliance in this issue to the parties involved our office number is XXXX when calling please have your file number ready. Thank you. '' I do n't owe any money aside from my credit cards and car lease, which I pay. This man who left the message sounded ominous and scary. He had a threatening tone and I do n't even know what he 's talking about. About 10 minutes prior to the call and the message being left, I received another call from XXXX ( North Dakota ). I 'm assuming both of those calls came from this " Weinberg Group. '' I did n't answer that one either and in that call, a message was not left. I blocked both those numbers and am filing this complaint, but I have a feeling they have plenty more numbers which they can call and harass me from. If they have the information they say they have, they can send me the information through the mail with actual information on it. They are not entitled to a fishing expedition and extortion tactics.
Consumer complaint received 2022-08-10
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: Experian Information Solutions Inc. (TX)

I have inquiries that I have no idea where they came from. My credit report shows multiple credit pulls for my score, but I shouldn't have anything pulled. I haven't applied for anything new. 

In accordance with the fair credit Reporting act my rights have been violated. 

15 USC 1681 Section 602 states I have the right to privacy. 

15 USC 1861 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.
Consumer complaint received 2017-09-28
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. (MN)

I have already addressed and no changes. This will now be the third time and I need some help. TransUnion has inaccurate data listed on my credit file. They have two names that do not belong to me which are XXXX XXXX XXXX XXXX XXXX XXXX There are also several inaccurate accounts listed. I want this addressed, and the inaccurate data removed. ALL of it