davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-01
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)

On XX/XX/2019 I have received an email regarding a new credit inquiry under my name for a XXXX XXXX XXXX card/service. 

I have immediately contacted XXXX to dispute the inquiry and they directed me to contact Equifax to dispute it. 
I have contacted Equifax and they requested that I send them a letter with information to verify my identity and request to dispute the inquiry. I have mailed the letter and all the information to them on the same day. 

Since I haven't heard back form anyone and it's been almost 3   months I have decided to contact Equifax today and check the status of the dispute. 
They confirmed that they received my letter. 

They told me that they can't do anything about it without XXXX sending them a letter saying that they agree to remove the inquiry. 

I have called XXXX to request that they will do that and they said that the only way for them to help is if Equifax will contact them directly to request this information. 
I called Equifax again and they said that they don't contact anyone, " the only hold information ''. I called XXXX again to let them know that Equifax don't contact anyone and that I need them to contact Equifax or send me something that I can then transfer to Equifax and they said they won't do it and the only way that it works is if Equifax will contact them. 

XXXX agree that they don't have any authorization from me to run this credit inquiry, yet they won't help me fix this fraud. 

I have been trying to speak to 5 different reps and managers at Equifax and 5 different reps at XXXX to try and resolve this, sent letter, verified my information, spent hours on phone call and I am still stuck between this two with no one to help me. 


PLEASE HELP ME! 


Thank you.
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: Experian Information Solutions Inc. (TX)

I sent a letter on XX/XX/XXXX to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX  Original Creditor : XXXX XXXXXXXX Balance Owed : {$220.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$4400.00}
Consumer complaint received 2021-11-22
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (MD)

My student loan was with Navient and was past due but went through a recovery program and was transferred to XXXX in 2018. I am trying to get approved for a mortgage however my credit report is still showing that I have an open loan with Navient that is over XXXX day past due. I have called Navient twice. The first time I was told once that I would qualify for a " XXXX time courtesy update of my credit report '' I called back after XXXX business days and was told that it was rejected. I asked why and was not given any answer. I asked that a XXXX ticket be put through explaining that I need the reporting to show no past due balance and that the loan is closed. I was told that this would take typically up to XXXX months to be processed but they would ask that it be " escalated ''. Navient does not notify anyone when a ticket is rejected or accepted so there is no way for me to know when or if this will happen.
Consumer complaint received 2021-08-30
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1692 ( b ) ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission and 15 US Code 1692e ( 2 ) ( a ) and ( b ), the latter was truth and lending act. They are reporting a collection as an Open account which is not under FCRA Compliance. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2021-08-31
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 contacted Equifax as they said that an account that I allegedly had with XXXX  XXXX XXXX account number XXXX was been reported accurately on my credit report. I then exercised my rights under the Fair Credit Reporting Act and requested of them there method of verification. They got that request on XX/XX/2021. The law states that the credit bureau should provide a copy of there method of verification within 15days of the request been made. If the company fails to abide by these guidelines then its a FCRA violation and the credit bureau should delete the disputed account from the credit profile immediately. Today is XX/XX/2021 and the credit bureau has not sent me there method of verification or deleted XXXX  XXXX XXXX from my credit profile. 
Under the Fair Credit Reporting Act if an item is unverifiable or if the credit bureau is unable to provide the method of verification then the item should be deleted from the credit report immediately as there is no way to prove if the credit bureau did any investigation in the matter. This credit bureau has failed to abide by the law and obey the dictates of the Fair Credit reporting Act. An investigation is more than say it is accurate or just running it through the E-Oscar system. The request for the method of verification was sent by certified mail and I got a receipt from the postal service saying that Equifax got my request.
Consumer complaint received 2022-08-11
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. (PA)

I'm a victim of identity theft and on XX/XX/2022, I submitted a letter to all 3 credit reporting agencies XXXX, Equifax and XXXX disputing a XXXX  account that was opened fraudulently. I sent a letter requesting that the credit reporting agencies investigate this matter along with my police report, my FTC report and verification identification. XXXX deleted the account as well as XXXX and Equifax. XXXX and Equifax proceeded to put the account back on my credit after the deletion. I contacted both and asked how did they decided to add this fraudulent account back on my credit profile, and I was told " because the creditor state that it was mine '' and that the creditor did not have to submit any verification documentation. This is unfair, because the credit bureaus have a vested interest, they are paid by the creditors to report information, therefore, the creditors can say and report anything. 

Please investigate and remove the fraudulent account from my credit profile. I have attached my supporting documentation. 

Thank you
Consumer complaint received 2021-09-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

transunion is reporting unauthorized inquiries REASONS : Please remove any and all unauthorized inquiries from my reports as I have no knowledge of ever filing any of these inquiries or giving anyone, company, or corporation permission to report anything to my report or was privy to any of these filings Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Account Name : XXXX XXXX XXXX Date FiledXXXX Type of Account : Finance, personal Address : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX IL XXXX Number:XXXX Reason : This is inaccurate Account Name : XXXX XXXX Date Filed:XXXX Type of Account : AUTOMOTIVE Address:XXXX XXXX XXXX, XXXX , pa XXXX Number:XXXX Reason : This is inaccurate Account Name : XXXX XXXX Date Filed:XXXX Type of Account : AUTOMOTIVE AddressXXXX XXXX XXXX, XXXX, pa XXXX Number:XXXX Reason : This is inaccurate Account Name : XXXX XXXX Date Filed:XXXX Type of Account : AUTOMOTIVE Address:XXXX XXXX XXXX XXXX, XXXX, paXXXX Number:XXXX Reason : this is inaccurate Account Name : XXXX XXXX  Date Filed:XXXX Type of Account : automotive AddressXXXX XXXX XXXX, XXXX, paXXXX Number:XXXX Reason : this is inaccurate Account Name : XXXX XXXX Date Filed:XXXX Type of Account : XXXX XXXX XXXX XXXX XXXX Address:XXXX XXXX XXXX, XXXX, paXXXX Number:XXXX Reason : this is  inaccurate Account Name XXXX XXXX XXXX Date Filed:XXXX Type of Account : bank AddressXXXX XXXX XXXX, XXXX, paXXXX Number:XXXX Reason : this is inaccurate
Consumer complaint received 2019-05-07
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: EQUIFAX, INC. (MO)

I have hard inquiries on my credit report that's not mine and unauthorized and would like to have them removed asap. It's so many dates that it's unreal that type of stuff could happen
Consumer complaint received 2022-08-03
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: Experian Information Solutions Inc. (GA)

Hello, My name is XXXX XXXX. I'm in the process of trying to buy a house and I am having a difficult time doing so due to my credit. I am writing this to delete the following information in my life. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-12-12
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. (MI)

Unauthorized hard inquiries from XXXX and XXXX XXXX that Im unfamiliar with. 
Along with XXXX and XXXX running multiple hard inquiries Im not familiar with.
Consumer complaint received 2022-08-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (WI)

Just found out that Synchrony Bank ( PayPal ) filed a small claims suit against me. I do not or have never had an account with them. There is nothing on my credit report from them. This is clearly a fraudulent account.
Consumer complaint received 2021-03-20
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: U.S. BANCORP (CA)

I filed a complaint on XX/XX/2021 with XXXX after viewing my credit report and noticed that there was an account that did not pertain to me. I sent them an identity theft victim complaint and affidavit with my California driver 's license and certified police report from the XXXX XXXX police department to support my claim. They told me that they had forward my document to US Bank with account number XXXX as a fraudulent account that they would remove the account. This account is fraudulent and needs to be removed from my credit report.
Consumer complaint received 2019-05-06
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (CO)

I have a consolidated loan with Nelnet/XXXX for my ex husband who is now deceased, and myself. We consolidated approximately {$12000.00} principle of his loans and approximate {$7000.00} of mine, in XXXX. 
Upon our divorce, we made an agreement that each of us were to repay on a schedule. Due to many hardships in our lives, we have used the forbearance and wage repayment schedule. 
He died in XX/XX/XXXX and his Plus loans and other federal loans were forgiven, however, a company called XXXX XXXX XXXX has recently started calling me at work, after I requested they not call my work number and gave them my cell number. They call to get a repayment plan with their company.I have received a letter from their offices stating I had 30 days from XXXX to request a hearing. I responded with the form provided requesting a settlement or a hearing in person. XXXX XXXX is threatening a wage garnishment if I do not not enter into a verbal repayment plan over the phone and will not consider a settlement on my loan debt balance ; they insist on collecting the deceased   husband 's principle and 22 years of interest. They have requested documents supporting the loan original balances and the certificate of death of my ex husband. I have emailed, faxed and mailed all these documents, including bankruptcy forms for which my debt was listed in a bankruptcy in XXXX.
Consumer complaint received 2021-08-30
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN ADVISORS GROUP (CA)

I began the process of refinancing my current reverse mortgage in XXXX, I was informed in early XXXX that the loan was approved and everything was moving on fine, we were just waiting for the appraiser and the property survey. I paid {$2400.00} on the survey which took everything from my emergency funds. This was done in early XXXX, what they were wanting was for someone to tell them that Zone D was not used in this area. I contacted HUD and they sent an email informing the underwriters that the flood mapping was not used in this area as there was no way to get certificate of elevation. I have been calling everyone I could think of trying to find out if there was such a thing for the area I live in and not even the County offices of XXXX XXXX has this information, this in an unmapped area and covers all of the unincorporated areas. I was told in the middle of XXXX that the paperwork from my original reverse mortgage will be used and the loan could continue. Then at or around XX/XX/XXXX I got an email demanding a statement from someone the the Certificate of elevation be written by someone, they had me call my insurance company, the FHA, HUD or anyone else that just I am above the 100 yr flood zone. I have sent all information that is on the FEMA web site that states there are no information regarding the flood level in zone d. Therefore I am not able to provide them with the certificate they are requiring when it does not exist. I feel that the underwriters are only following what AAG has in their manuals and refuse to accept the fact that this can not be done and are not using due diligence to take further steps to check that the information I have given them is true. They have refused the approval of the loan until the receive something that does not exist. I am a the widow of a XXXX XXXX on a fixed income, they have already made me use my emergency funds for the survey and holding at least {$11000.00} in a trust account to pay property taxes for which I am exempt from paying. I feel that I am being discriminated against because of a Certificate of Elevation which does not exist. How can they demand something that doesn't exist then refuse to approved the closing of my loan when I already have a reverse mortgage with this company.
Consumer complaint received 2021-09-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (CO)

i purchased this car at XXXX, i payed XXXX extra and then this interest payment showed up XXXX same price as the bill. i have payed every payment. the total on these payments now are XXXX my credit score was XXXX now its XXXX can you help me with this one please. they ruined my credit and now there creating false bills. the company is ally bank in XXXX XXXX XXXX XXXX XXXX XXXX ut XXXX, ( XXXX ) XXXX
Consumer complaint received 2022-08-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (FL)

I was approved for the Homeowners Assistance Fund on XX/XX/2022. I was approved for all my past due and forward payments for 18 months. The mortgage company has had the funds from HAF since last month. They have the past due funds of {$25000.00} and at least one month of forward payments of {$1300.00} but have not credited my account yet. I just looked online and now it says I was referred to foreclosure. Why would I go into foreclosure when they have the money I was awarded. I'm scared. Please Help!
Consumer complaint received 2019-09-30
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: EQUIFAX, INC. (TX)

Equifax and XXXX are reporting incorrectly on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This is an unsubstantiated debt and should not be showing on my credit report. This account was removed from my credit report in XX/XX/XXXX and is now re-appearing with a reporting date of XX/XX/XXXX with a different account number. This is an absolute violation of the Fair Credit Reporting Act. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report immediately. I have contacted the ( 2 ) bureaus to remove this item however, I have not been successful.
Consumer complaint received 2021-08-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (FL)

IQ International suddenly appeared on my XXXX XXXX report, which I check weekly, in the amount of {$1900.00}. 
They never sent me a letter or phoned to say this was owed. 

Apparently, this stemmed from an apartment that my significant other, XXXX XXXX, and I moved into with XXXX  XXXX XXXX in XX/XX/XXXX. When the covid flu became widespread, and XXXX  XXXX closed all the common amenities, they allowed us to move out in XXXX, XXXX. We would not owe any further rent upon rental to another family, they said, and in fact did rent to another family as of XX/XX/XXXX. XXXX XXXX employee, XXXX XXXX, who rented to us ( and received our keys upon departing ), sent us a letter dated XX/XX/XXXX verifying that the new renters were there as of XX/XX/XXXX. When the IQ collections contacted XXXX in XXXX, XXXX, she told XXXX XXXX who reiterated that we did not owe anything to them or any collections agency. In addition, they volunteered that they had dropped IQ International as a collection company due to so many complaints. IQ International continued to harass XXXX by phone and mail until late XXXX, when they apparently stopped when she complained to CFPB. 
Today, XX/XX/XXXX, I saw that IQ International showed up on my credit report ( I look at it weekly via XXXX XXXX as I'm working on getting my credit scores higher ). I have not been late on any bill for a number of years so this stood out. Please help me straighten this out as XXXX XXXX appears to be concocting a fake claim. Thank you, XXXX XXXX ( XXXX ) XXXX ( XXXX )
Consumer complaint received 2019-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc. (NC)

I have a lone and paid it off in XXXX but in XXXX they put i was delinquent on payments on my credit report thats i was more than 30 days late on payments which is not true. Moneylion had an system error when i put my payment through which i was not notified of till a notification came to my phone about my account
Consumer complaint received 2019-09-30
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: EQUIFAX, INC. (NY)

Equifax Several years ago I was a victim of I.D theft resulting in a number of student loans appearing on my credit report. My repeated request over the last several years to have this matter rectified has been to no avail. Equifax has taken the hard knock positions that this matter has been investigated and that no further investigation is warranted. I have requested that this issue be looked into under Section ( 609 ) of the Fair Credit Reporting Act is a Consumers Disclosure section which is to provide for the protection of consumers against false and erroneous reporting. ( This section of the FCRA places the burden upon the Credit Bureaus and the Creditor to prove an account is mines ) has been non responsive.
Consumer complaint received 2019-05-06
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Hewitt-Capital (IN)

Hewitt Capital XXXX is calling family members of mine impersonating a mail delivery service claiming they have a package for me and need the address to my home and place of work. Not once did they indicate the actual name of their company and the true meaning of their call. Number for them is XXXX. I discovered my reading online they have many complaints against them using same tactic.