davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-01
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, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Date of inquiry XX/XX/2021 XXXX  Date of inquiry XX/XX/2021 XXXX XXXX   XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021
Consumer complaint received 2024-02-14
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)

I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I HAVE PROVIDED THIS COMPANY WITH SEVERAL FTC REPORTS AND POLICE REPORTS SHOWING THAT I AM A VICTIM OF IDENTITY THEFT. 
I HAVE ALSO PROVIDED PROOF THAT I AM WHO I SAY I AM, BY WAY OF MY PASSPORT ID, ALONG WITH MY PROOF OF ADDRESS. THIS COMPANY HAS CONTINUED TO IGNORE MY CLAIMS RESULTING IN ME FILING FOR A LAWSUIT. THE FRAUD ACCOUNT IN QUESTION IS ( XXXX XXXX ) THEY HAVE VIOLATED MY CONSUMER RIGHTS FOR YEARS & HAVE NEGATIVELY IMPACTED MY LIFE. THIS COMPANY HAS IGNORED MY REQUESTS, ALTHOUGH I HAVE PROVIDED PROOF OF IDENTITY, A POLICE REPORT, FTC REPORTS, AND FILED A CFPB COMPLAINT PREVIOUSLY. I HAVE SINCE FILED AND WON A LITIGATION AGAINST XXXX FOR THEIR SIMILAR MALICIOUS TACTICS NEGATIVELY IMPACTING MY LIFE. I HAVE REACHED OUT TO EQUIFAX MULTIPLE TIMES AND EXPLAINED THAT THEY HAVE BROKEN THE LAW BY REPORTING THESE FRAUDULENT ACCOUNTS ; FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within XXXX Business Days of receipt. ON XX/XX/ I SPOKE TO A REP AND SHE TOLD ME THAT THEY HAVE PREVIOUSLY REACHED OUT TO THE COMPANIES IN QUESTION AND THAT EQUIFAX DOESN'T DELETE ACCOUNTS OVER THE PHONE WHICH IS A LIE BECAUSE THEY HAVE DONE SO IN THE PAST. THE FCRA STATES THAT NO ITEM CAN BE REPORTED ON MY CONSUMER REPORT WITHOUT VALIDATION AND/OR MY PERMISSION. SO THAT IS ALSO A VIOLATION OF MY RIGHT TO PRIVACY. I HAVE NO CONTRACTS WITH THE ACCOUNTS LISTED ON MY FTC ( XXXX XXXX ). I HAVE REACHED OUT TO XXXX XXXX AND REQUESTED A WET SIGNATURE OR ANY PROOF COLLECTED TO VERIFY IT WAS ME WHO REQUESTED TO OPEN AN ACCOUNT WITH THEM ; THEY HAVE NOT BEEN ABLE TO PROVIDE ANY EVIDENCE ; WITH THAT BEING SAID, WHAT INVESTIGATION IS BEING DONE BY EQUIFAX? IF THE COMPANIES THEMSELVES HAVE STATED THAT THEY DO NOT HAVE ANY PROOF? I SENT ANOTHER FTC REPORT, POLICE REPORT AND A LETTER TO EQUIFAX ON XX/XX/23. AND ON XX/XX/23 I RECEIVED A LETTER STATING THAT MY FTC REPORT WAS " NOT VALID '' BECAUSE OF MISSING INFORMATION, WHICH IT WASN'T. HOW COULD IT BE " MISSING INFORMATION '' IF I FILED IT ON FTC WEBSITE? THIS COMPANY IS COMMITTING BLATANT FRAUD. AND I AM SEEKING NON-MONETARY AND MONETARY COMPENSATION FOR MY DENIED CREDIT APPLICATIONS. I HAVE ALSO BEEN NOTIFIED BY EQUIFAX THAT MY INFORMATION WAS COMPROMISED FROM THEIR OWN DATA BREACH AND HAVE NOT RECEIVED COMPENSATION.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2021-11-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (GA)

Hello, I would like to file complaint against my Mortgage Loan Servicer Freedom Mortgage. I lost my job in XXXX due to COVID and no available childcare. I requested a forbearance in XX/XX/XXXX while working partial hours and continued to pay mortgage thru XX/XX/XXXX. On XX/XX/XXXX, I called Freedom to request my final Forbearance. I spoke with a rep named XXXX. XXXX took my Forbearance request and thoroughly explained 3 Recovery plans once the Forbearance ended on XX/XX/XXXX. On XX/XX/XXXX, I called and requested the Recovery Modification plan. The rep thoroughly explained all programs again and also explained a 4th new program called Advance Loan Modification, offered per FHA. The rep explained that the program approval rate was rare, and most people were not approved. He explained that they automatically reviewed me for this program first and then the remaining 3 programs ; Stand-alone partial, short-term recovery, and Recovery Modification. I explained to the rep my choice was the Recovery Modification. I asked many questions to get an understanding of the program. I explained to the rep that I am a single mom, first time homebuyers and due to the pandemic my salary changed. So, the Recovery Modification Program was the best choice for me. On XX/XX/XXXX I received letter from Freedom stating my application was incomplete and missing title insurance page. The letter stated that I could still be reviewed for the 4 Streamline programs listed above, with an incomplete application. I called Freedom that same day and asked the Rep if I could fax over title page. The Rep stated they would handle on their end and I did not need to do anything. The Rep confirmed that I requested the Recovery Modification option but confirmed that I would be reviewed for all 4 Streamline Programs. Today, XX/XX/XXXX, I called Freedom for status on my request. I spoke with Precious. She directed me to my online approval letter. The letter stated that I was NOT approved for the Advance Loan Modification, Approved for Stand-Alone Partial and NEVER reviewed for the program that I requested, the Modification Recovery Program . Precious incorrectly stated FHA only approved me for this program. I requested supervisor assistance. I spoke with supervisor XXXX XXXX. XXXX apologized and stated I would have to decline the Stand-Alone option in order to be reviewed for the program I chose on XX/XX/XXXX. I explained that they were taking away my options and had not correctly processed my request or reviewed me for all 4 programs they said they would. At this time I would like to file a complaint. It appears that my options are being taken away and I am not receiving the assistance afforded to me as a home owner affected by the COVID-19 Pandemic.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-02-12
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. (LA)

I reviewed my consumer report and noticed that i had some late payments on my account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts listed via attachment. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments to be updated or delete. I was never late.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-11-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (SC)

Good afternoon, I fear this is a complaint heard around the clock at the CFPB. I am enrolled in the PSLF program, and have been for very nearly 10 years. My loans were set up in eligible payment plans with all of my loan servicers over the years- XXXX, XXXX XXXX and currently FEDLOAN. 

My current account in FEDLOAN shows payments made to prior servicers, but does not present accurate data regarding amount, date, or repayment plan. I expect this is due to the transition between servicers and the data not being vetted for completeness. 

I have tried to request a manual recount in early XXXX, but did not have any follow up. While requesting the recount, the agent confirmed that many if not all of the payments should be eligible, but for whatever reason were not being captured that way. For older loans, I have made 160 total payments, with 108 showing as 'ineligible ' for issues relating to data management at FEDLOAN. 

Submitted my first PSFL certification form in XX/XX/XXXX and each subsequent year, and the same issue has plagued my recount. At this stage, I have multiple loans that are eligible for PSFL, however since at least XX/XX/XXXX, no action has been made at FEDLOAN to address inaccuracies in my payment count. 

I would like to have FEDLOAN reevaluate my payment history to prior loan servicers and update my payment history to capture eligible payments under PSLF.
Consumer complaint received 2021-11-01
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. (NV)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation
Consumer complaint received 2024-02-14
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. (CA)

I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The late payment you have reported to the XXXX credit bureaus. 

My basis for this dispute is that this account was always paid in a timely manner, since I opened the account on XX/XX/XXXX I had auto pay for all payments to be processed in a timely manner. XXXX is showing my credit report as late payment. However, XXXX XXXX is reporting that I have paid all payments on time. Since XXXX, Equifax and XXXX credit bureaus is stating on one of the screenshots I provided below as a past due payment I would like to see proof of accurate results on behalf on both sides of credit bureaus that show same results. unfortunately, it is impacting my credit score. XXXX account # XXXX date opened XX/XX/XXXX and is marked as late payment for XXXX of XXXX. 

According to 15 U.S. Code 1666b - Timing of payments a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I would appreciate if you send me documentation that you will remove all derogatory information from this account, that is all I will require. 

Otherwise, please provide me with your documentation showing that these payments were indeed late. Please send me copies of both statements of XXXX XXXX XXXX, Equifax XXXX. As well as any and all payment receipt documentation in your possession, for the months you are reporting that I was late. Send me proof of the date the payment was due and the date the payment was made which caused you to report me as being late. 

Pursuant to the above referenced Title Section ( e ) ( 3 ) : I will expect a written reply within the required 30-day timeframe. 

Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-13
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. (CA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2021-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA (NY)

I trade in my Apple Watch series 6 for Series 7 On XX/XX/XXXX Apples receive my series 6 watch for the trade-in on XX/XX/XXXX I receive an email from Apple stated I must unlock my Apple Watch because it is locked am fine my phone I called an text them on XX/XX/XXXX to tell them my watch is not lock to my phone either send pictures of it that is not lock to my phone They stated theyre going to send a report to the trading department on XX/XX/XXXX they sent me a topic to do on that app that I must accept or reject their offer for the Adjustment I see no adjustment price than the {$210.00} that what them Stated that I going to get so I call in On XX/XX/XXXX to ask the representative if Im seeing right because everyone knows when you see a adjustment you should see a price near to it r what it going to be adjusted to the one on of that so the representative told me I must go ahead and except because shes only seen the {$210.00} now Apple want to play game by sending an email to my phone stated that my trade-in is XXXX dollars and they can take my brand new watch I want to know where is the fairness in that one and Goldman Sachs is sitting on the sidewalk line do not want to do anything I watch Apple charge me {$220.00}
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 2021-11-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I filed a dispute with Bank of America for a transfer via XXXX  one in the amount of XXXX and one in the amount of XXXX. I thought I was buying a kitten and it turned out to be a scam. The money was transferred from my bank off America credit to my checking account and then via XXXX. The scammers had multiple websites sending airport way bills and airplane schedule for the cat delivery as well as the actual website. additionally, the fraudsters name popped right up in XXXX before I had finished typing it in so they obviously use it and XXXX is not stopping the fraud. I discovered it was a scam and immediately contacted both Bank of America and XXXX. Neither asked for ANY of the documentation. I have 20 emails. Numerous text messages and phone calls but the bank did not look at any of and sent a letter denying the claim. It is my understanding they are required by regulation e to do the research into the claim. They asked only for one of the websites. They were uninterested in any of the emails, text messages, phone calls or the other sites. Additionally, Bank of America continue to promote using XXXX, which they partly own and obviously profit from, while not having XXXX  control, warn or delete known fraudsters and neither company claims any responsibility over the transactions they are making money on. I discovered through research that the fraudster is listed at fraud sites and XXXXbank of America should have known snd removed the fraudsters ability to use their system. They have responsibility if they are going to push this service to be sure they are controlling fraud. 
Thus happened on XXXX XXXX XXXX
Consumer complaint received 2023-04-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (OR)

On XX/XX/2023, I submitted my final Public Service Loan Forgiveness ( PSLF ) Employment Certification Form ( ECF ) and forgiveness application that should have resulted in discharge of my student loans. This form was received by Mohela the same day. 

On XX/XX/2023, when I called to check the status of my application, I was told that I had to resubmit the final employment certification form because of an error on Mohela 's end that resulted in a " duplicate form ''. If I resubmit, it will result it me losing my place in line and having to wait an additional 30 days on top of the 75 days I have already waited. 

On XX/XX/2023, I submitted a XXXX complaint. 

On XX/XX/2023 I received a response to the XXXX complaint that didn't address my concern. They stated that I should submit another ECF form if I want my employment certified. I shouldn't need to because the XX/XX/2023 form is my final Employment Certification Form that should have resulted in me getting forgiveness. 

On XX/XX/2023 I am submitting this CFPB Complaint where I am requesting an expedited re-review/audit of the XX/XX/2023 PSLF ECF form that I submitted and Mohela received. When Mohela reviews it, they will find that my payment counts will be updated to over 120 qualifying me for forgiveness.