davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-05
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)

This is my XXXX 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 records 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 XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX Balance : {$400.00} XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$720.00}
Consumer complaint received 2020-10-08
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. (NY)

The accounts listed above do not reflect any correct transactions done by me. 


My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. 
The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions.

I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 
FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.
Consumer complaint received 2017-10-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (FL)

XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ERC XXXX} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked  information. 
The reference items are listed below please take this matter very serious ERC I have report your company to XXXX As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX XXXX XXXX collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc. (OK)

I submitted a request to freeze my consumer file with Sagestream twice and both times i received a letter back stating the information submitted was not verifiable. My state issued drivers license and federal government cac card are on the list of proper identification to send which is what i did.
Consumer complaint received 2020-04-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Omega RMS, LLC (CT)

Working with this company to try to help consolidate student loan debt. They were a 3rd party loan collection agency that said they will work with my federal student loan servicer. They were collecting payments during XXXX, XXXX, XXXX of 2019. Come to find out they were scamming people and not working with any federal loan servicers I had loans with. They took close to 800.00 $ of my money by account withdrawal.
Consumer complaint received 2017-10-07
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. (GA)

On XX/XX/XXXX, I was alerted of a credit pull on my Equifax credit report. As I have XXXX Id protection plan in place and have a credit freeze already in place, I am concerned why there is an entry from XXXX XXXX XXXX XXXX Box XXXX XXXX XXXX, XXXX XXXX Credit card $ XXXX XXXX posted today. I do not have a XXXX card and have not attempted to file for any cards. Thank you for your assistance!
Consumer complaint received 2017-10-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MD)

I am writing to you because I just discovered that a large payment I made was severely misapplied and, because of that, I have been charged interest that I shouldnt owe and a loan that should have been paid off is still accruing interest and has barely budged at all! 

In XXXX of this year XXXX XXXX XXXX, I called and got the payoff amount for this loan and the specific account number. I then made a balance transfer to a credit card which charges me XXXX interest for XXXX months because I knew that, in that time, with no additional interest accruing, I could totally pay off this loan. The payoff amount was XXXX and thats the amount I transferred elsewhere, which should have brought that loan balance to XXXX 

Today I was considering paying off the other XXXX loans with a consolidation through another company and so I came in to my account to get the payoff amounts and the interest rate. Thats when I saw that Navient says I still owe XXXX on that loan! Thats just a XXXX  difference since XXXX, which is irrelevant actually because it should be PAID OFF. The amount I paid off was applied broadly across ALL three of my loans, not applied to that XXXX loan as it should have been. I am VERY upset about this! Not only did the loan not get paid off, but I have also been paying it off monthly elsewhere AND I have continued to accrue interest on this loan. This is an EGREGIOUS and SERIOUS mistake which MUST be rectified. I called and got the payoff amount ; I had the payment sent to the correct account number, because I got that information when I called. 

This mistake has cost me DEARLY and it needs to be rectified, PLEASE. This loan should have been paid off and instead Im paying for it XXXX, at a rate of XXXX  per day! I need this rectified. This hasnt helped my situation at all. I stupidly assumed the payment would be processed correctly, which is why I didnt check. And I thought that my monthly XXXX was now being applied to only the other XXXX loans. Ive gotten absolutely NOWHERE when I thought I had paid off at least that smaller loan. This is terrible and horrible.
Consumer complaint received 2017-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

To Whom It XXXX Concern XXXX XXXX. XXXX XXXX XXXX, CA XXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. Box XXXX XXXX, GA XXXX XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It XXXX Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( XXXX ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XXXX/XXXX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX IS NO LONGER MY ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to XXXX U.S.C. XXXX ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item XXXX XXXX ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by XXXX U.S.C. XXXX ( a ) ( XXXX ) ( B ) ( iii ). You are bound by XXXX XXXX to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2020-04-24
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HYUNDAI CAPITAL AMERICA (MO)

I am writing in regards to a late payment on my credit report from for XX/XX/2019 on my account # XXXX, original balance {$20000.00}, opened date XX/XX/2019 that occurred due to a third-party error. 

My due date is the XXXX  of the month. On XXXX, 2019 I received a payment confirmation from XXXX stating that my payment was successfully submitted. However, one month later I realized that I had a late payment reported. On XX/XX/2019 I received an email from the third-party company stating that they committed an error and my payment did not go through. Before this email, I was not even aware that my account was carrying a balance and had a late payment. I immediately made the payment on but by that time I was already marked late. 

This was a situation that I could not control. I had over {$14000.00} in the bank, which was more than enough to make the payment. This was not a money issue or even worse, because I did not want to pay. Now I have a perfect record of on-time payments. 
As a courtesy, I am requesting that XXXX XXXX a goodwill adjustment and remove the late payment from my record. This is an account of more than {>= $1,000,000}. I have been with you for more than for more than one year. 

This is affecting me XXXX, and also my score dropped. I have lost many credits because of this situation. It is not fair this late being reported. I did receive a payment notification from the third party company. 

( I already sent all the documentation to XXXX XXXX on XX/XX/XXXX by mail ). 

Thank you for your consideration.
Consumer complaint received 2017-10-07
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: ALLY FINANCIAL INC. (SD)

I have multiple hard inquiries that I did not authorize.i want them to be deleted, and their customer service would not help and take care of the negative inquiries reporting on my credit report.
Consumer complaint received 2017-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (VA)

XX/XX/XXXX called to file a claim on a transaction that had been previously file that ( j.p.morgan chase )  said to contact the company involved, which I did and received an email with the partial credit for the transaction. The operator ( XXXX ) number not properly give that of XXXX and XXXX wether first or last name not given. One was untruthful and saying multiple statements, most disturbing the claims Dept. or ( j.p.morgan chase ) does not receive emails. After hearing multiple untruths I used profound profane verbage to release the frustration of being blatantly untruthful to!!!!!!!!! MULTIPLE TIMES AS A banking client untruthed too. Their was no threats made but very correct and harsh critcism of the operators unprofessionalism, untruthfulness, and incorrectness!!!!!!!! I have contact the CFPB before on the incorrectness of ( j.p.morgan chase ).
Consumer complaint received 2017-10-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (SC)

XXXX XXXX XXXX reported to my credit report XX/XX/XXXX. After purchasing the debt ( {$1200.00} ) from a collection agency ( XXXX XXXX XXXX ) who was not authorized to report on my credit due to having invalid information. I was never notified to the debt being sold or my right to dispute. I understand I am supposed to have 5 days but I was given none. The original debt was from XXXX in XX/XX/XXXX with the amount of {$540.00} being owed. None of the information XXXX XXXX XXXX is reporting is accurate, along with the fact that I was never notified.
Consumer complaint received 2017-10-07
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: Nelnet, Inc. (FL)

XXXX XXXX XXXX is currently reporting in XX/XX/XXXX and XX/XX/XXXX that i am paying late on a closed paid account since XX/XX/XXXX, they are reporting lates to XXXX and XXXX currently which just caused a problem with my current job due to it showing deliquients in XX/XX/XXXX and XX/XX/XXXX, i am no longer liable for account and requesting account be deleted corrected asap there should be no new reportings on this account at all, i have received any communications from Nelnet at all, especially adding new entries of late pays in XX/XX/XXXX and XX/XX/XXXX ... i have attached my XXXX report showing Nelnet inaccurate reportings ... .Please remove asap this is causing a severe hardship and can affect employment this info is not correct and should not be reporting ....
Consumer complaint received 2020-04-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BTH Management (PA)

A company going by the name of XXXX XXXX  contacted me sometime in the fall last year about a loan balance that they would be handling, I have been paying them but something seemed strange about their way of contact, I never received any mail notification, only phone calls and texts from the man listed below : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Office : XXXX Direct : XXXX XXXX I do not see that the payments have showed up on my credit report, nor this collection agency name. So I decided to reach out to the original creditor, who provided me the information for the collection agency where the account was placed. It was a totally different agency, and I contacted them, they said they have never heard of XXXX and that the account was never sold to anyone else its been with the same agency since 2017. Now I feel that this XXXX  XXXX has been taking my money each month and it is not legitimate. I feel I have been scammed.
Consumer complaint received 2020-04-24
Product: Student loan — Private student loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: DISCOVER BANK (FL)

My daughter currently has a student loan with Discover which I pay for of {$44000.00}. A previous loan {$20000.00} ( estimate ) we paid off in XXXX. My daughter and I contacted Discover to refinance the existing loan which is on a variable term basis and currently at 6.5 % to a 3.7 % fixed. We completed the application with their representative and she told us that my daughter was declined. I told her fine do it with myself as a co-signer and they said she can only have a co-signer if she's approved first. We checked her score with Discover on line and it came back XXXX which is far higher than most. In addition when she took out the loan she was a student unemployed and now she is an attorney, has excellent credit & employed full time for over 3 years and they deny her. And to also say she can't refinance even offering to apply with her myself who score last I checked was XXXX seems highly suspicious! I feel that Discover is taking this action to avoid lowering the interest rate be paid. That should be highly in violation of the fair lending act. 
I have attached a copy of my daughters credit score pulled from Discover 's web site for purpose of validity. Also I've attached a copy of the Discover loan detail page.
Consumer complaint received 2020-04-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Peer Advisors, LLC (CA)

My parents took out a reverse mortgage in XXXX. My father passed away in XXXX and my mother in XXXX of XXXX. As the executor of the estate, I have been working with the servicing agent of the note holder to settle the outstanding debt on the house. I have provided all documents asked for by the servicing agent CELINK, address, by the required due dates. However, CELINK has failed to respond in writing ( except by email ) or in good faith. They have stalled and continually changed the requirements to proceed. CELINK initiated a foreclosure process in XXXX when we were trying to negotiate a sale. Through this whole process CELINK has stalled and continued to raise the price of the house. We followed every step as outlined in their paperwork. CELINK has not reciprocated. 

We would like CELINK to produce the original note of the loan and stick to the agreed price of 95 % of the appraised value, which they have not shared. Their last counter was {$100000.00} more than the value of the reverse mortgage loan.
Consumer complaint received 2020-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (TX)

I have tried on several occasions to resolve the incorrect XX/XX/XXXX late payment reporting with XXXXXXXX XXXX but to no avail. I paid my payment in full for XX/XX/XXXX and when I inquired as to evidence of the late payment, XXXXXXXX XXXX provided evidence for a different account than my actual account. 

As a result of this erroneous reporting, my credit score has dropped which causes financial harm to me through higher interest rates, draining cashflow, etc. I need your assistance in enforcing the Fair Reporting Credit Act ( 15 USC 1681a ) and the Fair Debt Collectors Practices Act. ( Specifically, 15 USC 1692e ) I have soken to this company on recorded phone calls and they insured me that this error would be fixed however as ofXX/XX/XXXX, it still remain on my credit report in error.
Consumer complaint received 2017-10-07
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 try to solve this for some time now, with Equifax and XXXX, XXXX XXXX took the time to investigate and remove all negative fans charges for my credit report. 

Turns out that my brother open credit cards and other accounts in my name for several years while I was living overseas. When I return last year I try to fix my credit report for months only XXXX XXXX took the time to investigate. 

I do never open accounts with the following companies, all account I have are up to date with XXXX balance. 


XXXX XXXX XXXX XXXX XXXX XXXX 142 % Revolving Negative XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 197 % Revolving Negative XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX XXXX Revolving XXXX XXXX XXXX DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT HEADER BALANCE LAST REPORTED ACCOUNT HEADER STATUS AMOUNT PAST DUE Equifax I XXXX {$4000.00} {$0.00} {$0.00} XXXX XXXX $ XXXX XXXX XXXX XXXX Revolving XXXX XXXX XXXX DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT HEADER BALANCE LAST REPORTED ACCOUNT HEADER STATUS AMOUNT PAST DUE Equifax I XXXX {$0.00} {$0.00} {$1100.00} XXXX COLLECTION ACCOUNT {$1100.00}