davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-30
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. (OH)

I have incorrect information on my credit report, I have listed these accounts all below. These accounts are reporting to all three credit reporting agencies. I also, have incorrect information reporting to all three credit reports in regards to my car payment. During the pandemic my car payment aloud me to skip a couple payments and advised that it wouldn't effect me negatively and then they reported I had late payments. I have tried to deal with all these issues directly with the companies and have gotten no where and this negative information is keeping me and my children from getting housing. 

Please see incorrect info reporting to all three credit reporting companies, these accounts do not belong to me. 

XXXXXXXX XXXX XXXX XXXX Account # XXXX Amount {$720.00} XXXX XXXX XXXX XXXX XXXX Amount {$450.00} XXXX XXXX XXXX Account # XXXX Amount {$240.00} XXXX XXXX XXXX XXXX Account # XXXX Amount {$230.00} this account below is my car payment and they are reporting me late during the pandemic and I was never supposed to be reported late. 

XXXXXXXX XXXX XXXX Account # XXXX Lates below and this was never to be reported to the credit reporting agencies, they advised it would not effect me negatively because of the pandemic. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-24
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)

XXXX and Equifax has me listed as N/A when lenders are trying to verify my identity. When I log into my account with both credit agencies I am unable to see any of my credit information. I have extensive credit history. XXXX admits the problem is on their end and that it would take a week to merge my files. My files are now merged and I am still unable to view any information to dispute. After numerous calls to resolve this issue, I am still left unable to access my credit file and lenders are currently not able to verify my credit history. I have sent Equifax my personal documents to verify my identity as they recommended. To date I am still unable to view my credit profile online and lenders are not able to verify my credit history. I dont know what else to do to regain my credit history. This is affecting my ability to secure housing.
Consumer complaint received 2017-08-14
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. (MD)

In XX/XX/XXXX - during a mortgage refinancing effort - I discovered on my credit report an unpaid claim of {$490.00} for a medical debt reported by XXXX XXXX XXXX. No attempts to collect this debt were sent to me at my address ( since XX/XX/XXXX ) so I had no knowledge of this claim. After following up with the debt collector, it was determined that it was from a doctor XXXX XXXX from XXXX XXXX XXXX, associated with the XXXX XXXX Hospital of XXXX for a visit on XX/XX/XXXX. I did not see any doctors at this practice at this time and was able to determine that this doctor was n't associated with this practice. The hospital could provide no more information on this charge. I disputed this with all three credit bureaus and they determined this to be fraudulent and removed it from my credit report. I just now ( XX/XX/XXXX ) discovered that the same charge appeared back on the XXXX and Equifax credit reports under a NEW claim number. When I called the credit bureaus they said they did not reject this claim because it was under a NEW claim number so it APPEARED TO THEM AS A NEW DEBT COLLECTION ISSUE. I am presently disputing the charge again. I also called the debt collection agency - XXXX XXXX XXXX - to resolve this issue. The person who took my call, refused to acknowledge that this claim had been resolved as fraud and refused to acknowledge that it had been submitted under a new claim number. They did tell me the detail of the reported debt ( XXXX XXXX, XXXX XXXX, {$490.00} ) which then confirmed that it was, in fact, the same fraudulent debt that was disputed in XX/XX/XXXX. The only available option to me was for XXXX and Equifax to start another 30-day dispute process. This is unacceptable that the credit agency is unable to identify this charge as the same JUST BECAUSE IT HAS A NEW NUMBER. This should be suspicious and this should be removed immediately while they investigate and only added later if they determined this to be true. This is DIFFERENT from normal disputes because it has the characteristics that show it is the same charge. I was able to determine this by making a quick call to the collection agency. XXXX and Equifax should be able to do the same service for a consumer - they agreed with me on the phone that it looked fraudulent and said it was the new number that was the problem. By not addressing this quickly, they allow this scam to occur and this likely has a XXXX-XXXX point decrease on my credit score. I am attempting to close a mortgage in 45 days. XXXX and Equifax does not have proper fraud detection measures in place to protect consumers.
Consumer complaint received 2017-10-10
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: EQUIFAX, INC. (NY)

I have tried to contact XXXX, Equifax, XXXX, to dispute an account, in which ; the statutes of limitations have already expired. The bureaus are currently reporting in correct dates on my credit report. XXXX, Equifax, XXXX has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying XXXX, Equifax, XXXX of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

Acct Name : XXXX XXXX Acct # : XXXX
Consumer complaint received 2017-10-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NC)

I was unemployed for four months ( XXXX XXXX through XXXX XXXX, XXXX ) and got a new job. I stayed current with my mortgage the whole time. After I went back to work I asked Ditech if I could get a loan modification to help lower the payments. In XXXX, XXXX, they told me to pay $ XXXX month for four months and then they would tell me what my permanent payment would be. After the initial four month period, I kept calling in to find out what my payment was supposed to be - I was told that the refi department was behind, just keep paying {$1400.00} - which I did. It took them 8 months after the initial 4 months to give me a final number and they reported me 60 days late for XXXX XXXX and 90 days late for XXXX XXXX to the credit bureau. They did not report for XXXX XXXX at all. I called to complain, but was told tough luck. Just for information sake, I am the XXXX of XXXX for a XXXX XXXX and know how to handle credit.
Consumer complaint received 2022-08-03
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. (TX)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Names : XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Employer : XXXX XXXX Addresses : XXXXXXXX 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 XXXXXXXX Inquiry : XXXX XXXX XX/XX/XXXXXXXX XXXX : XXXX XXXX XXXX Names : XXXX XXXX XXXX XXXX Employer : XXXX XXXX XXXX XXXX XXXX Addresses : 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 XXXXXXXX Inquiries : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Equifax Names : XXXX XXXX Employers : XXXX XXXX Addresses : XXXXXXXX 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 XXXXXXXX XXXX
Consumer complaint received 2021-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

There is a collection my credit report from XXXX XXXX. The collection is stemming from an account with " XXXX XXXX XXXX XXXX '' that is not mine. It must be removed immediately from my credit report.
Consumer complaint received 2020-10-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Solidifi US, Inc. (FL)

This complaint is against Solidifi XXXX XXXX XXXX  XXXX  bsolutely terrible customer service. I am finalizing a cash out refi and my lender has been great, but Solidifi is terrible. The Truth in Lending Act mandates a 72 hour period in which I as the borrower am allowed to cancel the contract. So I understand that the funds cant be dispersed until the 4th day after closing, but this also factors in Saturdays. So I closed on XX/XX/XXXX. It is now XX/XX/XXXX, and the funds have not been dispersed. I have little confidence that they will disperse the funds within the lawful period of time and I am worried my previous lender will give me a derogatory mark on my credit report. I have tried calling several times today and have waited on hold for over 30 minutes each time totaling to over 2 hours of hold time. I am literally on hold right now as I am writing this review. As a consumer and someone who has owned multiple businesses, I am appalled with how little you care about customer service. You are in possession of MY money, and you're being paid for a service. If the funds are not dispersed TODAY which is the deadline in the closing documents that were signed, then I will be filing a complaint with the CFPB. This will most likely occur because it is now XXXX EST. I have been trying to reach them since XXXX EST. They don't even provide an email address to contact them, or offer a call back option. I have worked with smaller title companies in the past, and they usually have a reception desk capable of answering a call within 30 seconds. Had I known this is what would occur working with Solidifi, I would have told my lender to work with a different title company. The closing documents specifically state that the disbursment date is XX/XX/XXXX. documents available upon request.
Consumer complaint received 2022-04-25
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. (CA)

hello i have hardinqieries on my credit report that was not me XX/XX/XXXX EQUIFAX XXXX EQUIFAX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Dispute this XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2017-10-10
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: VW Credit, Inc (TX)

I have a lease through Volkswagen Credit, which was until recently on automatic payment. A few months ago I noticed Volkswagen charged nearly {$150.00} more than my typical payment. Volkswagen never communicated it would charge this additional amount, so this was a complete surprise. 

I contacted VW credit and did not hear back for several days. So, I disputed the portion that was above and beyond my usual payment with my bank. I again contacted VW in writing and did not hear back. 

My bank confirmed with me that they tried multiple times to contact VW credit to work things out, which is typical for a dispute case, but were unable to get a hold of anyone and eventually the dispute was authorized by default. 

The next month I receive a bill stating I was past due in the amount of the typical payment plus the mystery charge. VW credit had still not contacted me about this transaction despite repeated followup. Finally I get someone on the phone who explained what the extra charge was for ( a tax on leased vehicles specific to my city, which gets passed on to the consumer once per year ; she could n't tell me why I had n't received this extra charge in the 2 previous years of leasing the vehicle ). I tell her I will go ahead and pay the past due lease amount, since I did not dispute the charge to begin  with, and I will read the law regarding taxation on leased vehicles ( this is not typical in my state but unbeknownst to me at the time a handful of cities tax leased cars ). During this conversation the representative assured me that since I paid the " past due '' amount it would not show up on my credit report, and I have until the lease ends to pay the additional charge for the tax. 

After researching the surprise tax charge, I pay it within 30 days of the conversation and several months before the lease is set to end. A couple of months pass and I find out that despite paying the past due amount and the additional surprise charge, there is a derogatory mark on my credit report. I send a message to VW credit explaining the situation and letting them know that I was told very specifically that my credit would not be damaged by what happened. They reply, in so many words, that they do not plan to revoke the derogatory mark and they do n't care what their employee said. 

First the diesel scandal and now a confirmation that Volkswagen does n't care about their customers or doing what they say they 'll do. Stay away from this company.
Consumer complaint received 2023-01-05
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: ALLY FINANCIAL INC. (GA)

XX/XX/XXXX Re : Inquiry I was looking over my credit report and noticed I have an inquiry from your financial institution dated XX/XX/XXXX. Your inquiry is an indication you access my credit profile without my written consent as a result you received benefit for the use of my consumer credit application and was compensated. However, the consumer was denied. Please make note that adverse action against a consumer is against the law according to the Equal Credit Opportunity Credit Act which codified in 15 USC 1691c and Pursuant to liability under 15 USC 1692k.

You are subjected to criminally liability for violating 15 USC 1691 has I have proof that I was discriminated against based off the inquiry date from my consumer report and I received no benefit from your corporation. 
Your financial institution is in violations of 15 USC Code 1642, 15 USC 1681m and 12 C.F.R. 1001 because I, the consumer, made an application in good faith but no credit was granted.

Further, because my social security number ( credit card ) was used and I received NO benefit is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of your Financial Institution. The is an act of Aggravated Identity Theft.

If your Financial Institution fails to make reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make your financial instiution criminally and civilly liability for all he actual damages pursuant to 15 USC 1681n and 15 USC 1681o. 
You will remove this inquiry from XXXX, XXXX, and XXXX. 
Respectfully, XXXX XXXX XXXX, Agent Without Recourse
Consumer complaint received 2017-10-10
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: CORELOGIC INC (AL)

On XXXX XXXX, XXXX visited XXXX XXXX in XXXX Al. I specifically told salesman XXXX, that i didnt want my credit pulled ... i kept repeating that to him. He reassured me that it wasnt gon na be pulled ... He was taking a long time in the underwriters office so i walked in and there was my credit report pulled and all notofications of a hard pull was coming to my phone.. This made me furious. Then XXXX says, what my score is and speaks about my report..then he pushed a paper towards me saying here sign this this is for me pulling your credit ... But I TOLD YOU ALL NOT TO PULL.. SO NOW im stuck having to deal with all these erroneous inquiries.
Consumer complaint received 2017-10-10
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: ALLY FINANCIAL INC. (AL)

On XXXX XXXX, XXXX visited XXXX XXXX in XXXX Al. I specifically told salesman XXXX, that i didnt want my credit pulled ... i kept repeating that to him. He reassured me that it wasnt gon na be pulled ... He was taking a long time in the underwriters office so i walked in and there was my credit report pulled and all notofications of a hard pull was coming to my phone.. This made me furious. Then XXXX says, what my score is and speaks about my report..then he pushed a paper towards me saying here sign this this is for me pulling your credit ... But I TOLD YOU ALL NOT TO PULL.. SO NOW im stuck having to deal with all these erroneous inquiries.
Consumer complaint received 2017-10-10
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: EQUIFAX, INC. (NY)

I have tried to contact XXXX, Equifax, XXXX, to dispute an account, in which ; the statutes of limitations have already expired. The bureaus are currently reporting in correct dates on my credit report. XXXX, Equifax, XXXX has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying XXXX, Equifax, XXXX of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

Acct Name : XXXX XXXX BANK Acct # : XXXX
Consumer complaint received 2017-10-10
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MI)

First, I am outraged that I am just learning about income based payments within the last two years. Every time I would call, they would pre-screen me for some type of hardship or deferment. The amount of interest that has accrued in beyond what I could ever pay in a lifetime. This was very deceptive! When I would get assistance for income based-programs the payment was still more than I could afford. I would call time and time and again to explain this to them. I would explain that I have not worked in three years and my husband 's income supports a family of XXXX.  I would still get a ridiculously high payment. They have capitalized greatly as the amount owed has grown tremendously. Had I had a viable option from the beginning, I know that even a small payment would 've decreased what I owe now. 

Secondly, I called them explaining to them that the program I went to school for is no longer offered and the department that offered the program is defunct and they said they could not help with this. They refused to even send me any forms about my options regarding this manner. 

This is a systematic strategy solely for the purpose of generating revenue on the backs of struggling student loan borrowers.
Consumer complaint received 2017-10-10
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: College Assist (ME)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX is trying to collect on a college loan that was hardship discharged after the death of my husband in XXXX. I 've had no further correspondence regarding this loan until this past year when now they said I am delinquent and trying to attach to my wages. They have already taken my tax returns. They do n't call, they do n't answer calls, they do not send any paperwork. They never contacted me regarding any payroll withholding so they are doing this without my permission and I 've ready received a release from withholding from them when they tried to do this in XX/XX/XXXX and my payroll department contacted me. They are trying again in XX/XX/XXXXand I 've sent paper work to them twice that they have released me from withholding already but my employer says the will have to withhold if XXXX does not contact them to straighten this out.
Consumer complaint received 2023-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.