davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports.
Consumer complaint received 2017-04-13
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: SLM CORPORATION (VT)

Right now I am currently dealing with Sallie Mae. I am paying interest-only right now due to the fact that I ca n't pay a normal payment ( they want $ XXXX a month ). This is not an option for me when I have a mortgage, car payments, etc. ( normal bills ). Sallie Mae had told me this is only an option for one year. My year is up in XXXX and I have tried to let them in on the fact that I wo n't be able to pay that amount, and have tried to discuss working with me, so I can pay them SOMETHING, and this is NOT an option I was told. The only options I was given from Sallie Mae was to let my loans go into default ( how is this helping me )?! OR apply for deferment ( if I ca n't pay the payment now this wo n't help any later in my life ). I had told them I could continue paying the amount I pay for interest only, so they were being paid SOMETHING, but they had flat out told me NO! If they will go to great lengths of not helping their customers, and would rather fight for their money when it goes into collections why would n't they take ANY money I am willing to give them WITHOUT all the extra charges?!
Consumer complaint received 2024-01-18
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. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-08-09
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

XXXX njXXXX XXXX. sueing and threatning to garnish my wages. amount owed is more than amount due to original creditor. XXXX account. now worth XXXX unlawful.
Consumer complaint received 2024-01-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to you today with a sense of urgency and frustration regarding the erroneous information currently tarnishing my credit report. Unfortunately, it seems that my pleas for resolution have fallen on deaf ears, necessitating this assertive communication. As my earnest pleas for resolution regarding the inaccuracies plaguing my credit report seem ignored. I want to underscore that I am not just a statistic but a victim of identity theft, demanding immediate and resolute action. According to FCRA Section 605b, you are obligated to swiftly remove/block any account listed on an identity theft report. Enclosed are the necessary documents for expeditious action. The accounts in question, including 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, demand your immediate attention. FCRA Section 605B ( a ) mandates Experian to block such information within 4 business days. Immediate and unwavering compliance is not just expected ; it is demanded for the rectification of these rampant errors.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Balance : {$3700.00}
Consumer complaint received 2019-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Hampton & Hampton Collections LLC (SD)

I am not sure how or what this company did to have the right to with draw money from my account when I had no services through XXXX XXXX XXXX XX/XX/2019 $ XXXX $ XXXX {$40.00} Thank you
Consumer complaint received 2015-12-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX 's XXXX XXXX will remain on credit report as a debt written off by company in 2011. A recovery company can not assume a written off debt. They must remove their company from my credit report, due misrepresentation of written off debt by another company. Plus there has been no billing in XXXX plus years from either company. I had unemployment insurance that was suppose to cover all debt. XXXX did not honor, they just applied what I had paid unto bill. I will not assume a debt that has been written off and Transunion should remove this company & Transunion can not change the status of the original write off to assumed debt by portfolio. XXXX can not write it off getting credit from the government for bad debt. They can not sell off zero balances. I will join a class action filing if this is not remedied.
Consumer complaint received 2024-01-19
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 appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX Balance : {$35000.00} ; XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX Balance : {$3400.00} ; XXXX XXXX Balance : {$760.00} ; XXXX XXXX XXXX ; XXXX XXXX.
Consumer complaint received 2024-01-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CT)

I must emphasize that all disputed accounts are fraudulently reported, and there should be no discrepancy in the treatment of these entries. The selective deletion of certain accounts while others persist is not only arbitrary but also inconsistent with the principles outlined in the Fair Credit Reporting Act ( FCRA ). I am filing a complaint against the remaining disputed fraud accounts. As a victim of identity theft, I demand the immediate deletion of the remaining fraudulent accounts from my credit report. The continued presence of these entries is causing irreparable damage to my creditworthiness and overall financial stability. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX I do not know how the theft took place, and I have no information about any suspects involved. I did not receive any money, goods, or services as a result of identity theft, and I demand that my credit report reflects this truth.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-10-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This is my XXXX time filing a complaint in regards to my credit reporting for my XXXX XXXX XXXX. In my previous complaints, XXXX Bank acknowledge that I was given false information and agreed to suppress XXXX and XX/XX/2022 payments. But they did not address the negative reporting of XX/XX/2022 payment and as this payment was also due to the false information that was given to me, the negative reporting for XX/XX/2022 should be suppressed too. The fact that XXXX Bank continues to drag this on is very concerning. It shows that this company does not care about its consumer and will just say anything to get you off the phone. As to save time I have attached the previous disputes and screenshot of my credit report showing the negative reporting for XXXX. Please remove all negative reporting for XXXX, XXXX, and XX/XX/2022.
Consumer complaint received 2021-08-05
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. (CA)

The bureaus are reporting an account with XXXX XXXX that I settled last year!!! I have sent in multiple disputes and they continue to report this debt. I have sent several letters to XXXX XXXX saying they are reporting inaccurately and have filed several complaints and no one can get a hold of them. This account is hindering me from being able to buy a home and this needs to be fixed immediatley.
Consumer complaint received 2016-12-06
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (NV)

My ex filed bankruptcy on a mortgage for a house that we are both on the loan. For 2 plus years I have been trying to find out if the mortgage payments were being applied correctly and if their was a monthly mortgage payment that was missed. Never have I received any correspondence from them nor have I been told on the phone whether or the monthly mortgage payments were made and if any payments were missed. Back in XXXX of this year ( 2016 ) when I called once again about the mortgage trying to get information they finally told me that the mortgage had been behind XXXX for over a year and they were charging me late payment fees of {$500.00} and inspection fees of {$310.00}. A lady named " XXXX '' told me to write a letter to Seterus explaining that I was never told for over 2 years about any late payments and never received any letter in the mail and that since I made a good faith effort in catching up the mortgage payments that she thought I had an excellent chance to get the fees waived. Well today, XXXX XXXX, 2016 I just received the companies response back and they denied waiving the fees. I called them immediately at XXXX and their csr whom I spoke to agreed that their was no way for me to know about any payments, payment history etc but she was unable to do anything about it. In addition they are now reporting it as negative on my credit report which again, I had no way of knowing whether or not the mortgage was behind.
Consumer complaint received 2024-04-11
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: The CBE Group, Inc. (OH)

I was contacted in XX/XX/XXXX by the CBE Group which I learned was a debt collection agency. I was unaware of the debt they were contacting me for because they said it was over {$1500.00} for a medical debt with XXXX and the representative told me it was debt that I received this debt in XXXX due to a hospital visit. I found this odd because during XXXX i was covered by insurance and I did not go to the hospital. I immediately questioned the collector he told me if i didnt pay the debt today it would just accumulate more interest and my wages would be garnished or it would be taken out of my taxes. I wanted a copy of the bill and he said he didn't have it and I was transferred to his supervisor. She told me that the bill was likely due to prescriptions and that I was " lucky '' that XXXX caught it this early and sometimes they don't catch it for 10 years and people owe tens of thousands of dollars. She also told me that I would have no luck getting the bill because its likely XXXX  doesn't have it anymore and it would take too long for me to get it and I would just be adding daily interest to my bill if I tried to get a hold of XXXX  to get the bill. The supervisor told me that my wages or taxes would be garnished if I didn't pay it. She offered me payment plans half that day and half in 2 weeks, I'm a single mom that was not practical. The supervisor told me that a payment plan with lower payments would take time to develop and they would need to get approval from the Treasury and we would have to sit down and go through all of my finances to figure out lower plan. 
I finally got a copy of the actual medical bill and it was for prescriptions from XXXX 3 months after my divorce from an XXXX XXXX military member and it was for {$700.00} which is {$800.00} less than what the CBE Group charged me. The CBE Group called me everyday during work hours and never left a voicemail so I had no idea who was calling me for a while until i finally answered. I have already paid the {$1500.00}. Not only did the CBE Group more than double my medical and pushed me into pulling out a loan to pay for the medical bill because I was afraid my wages would be garnished in the full amount and I wouldn't be able my bills and I was seriously afraid for me and my XXXX well being. But it still has hurt my family and thsi company didn't even bother to work with me. I am afraid that they added more interest and will try and come after me for that in another 7 years saying I owe another {$1500.00}. 
I have both the bills send by the CBE Group and its titled " Message regarding US DEPARTMENT OF THE TREASURY account # XXXX XXXX and the actual bill from XXXX  to show that my bill was not only doubled but this company would not work with me to make payments and I had to make the full payment in 2 weeks. Additionally, the part of the account number in heading of email doesn't match the full account number on the debt letter.
Consumer complaint received 2021-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have disputed inaccurate information reporting from a company named " XXXX XXXX XXXX ( XXXX ) '' for {$280.00} and " XXXX XXXX XXXX '' for {$880.00}, every XXXX  days for XXXX  XXXX XXXX XXXX months consistently. I have complained that about these collection companies with any help.
Consumer complaint received 2016-09-08
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

after receiving notice of an impending direct deposit in my name on XXXX XXXX 2016, capitalone bank then accepts a deposit intended for me, but had already closed my account. causing me financial hardship. and not immediately returning the deposit to the ssa.gov. i wish to file a complaint with your offices, and receive financial resitution from this bank for the hardship they cause to me and my family with their reckless actions.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Easy Finance, LLC (TX)

I'm a victim of identity theft. My personal information was used for credit and loan purposes. The company used : XXXX XXXX via XXXX Stepstone Credit XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, KS XXXX ( XXXX ) XXXX The inquiry was made on XX/XX/year> Spoke with representative of credit company, they flagged it as Fraud. Also spoke with XXXX, they need me to file a report.
Consumer complaint received 2024-04-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (MS)

I was told at time of purchase that bc interest rates were so high I could refinance after six months. Ive tried to refinance w multiple companies despite having a good credit score due to age of vehicle and high interest Im paying nobody will refinance my vehicle. I tried to make two payments a month w the second payment going solely to principal and although I have an email from Westlake financial stating after the monthly payment due every month is paid anything paid after that would in fact go to principal, I called today to make principal payment of {$500.00} and they said it would be split up amongst interest and principal. They have made me trapped in this loan w no way out other than paying double for my vehicle. Im trying to pay it off early, I cant trade it in or get out from under the high interest. They have screwed me financially even though Im trying to do my best. Westlake Financial is the company.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (TX)

I reviewed my credit report and noticed these fraudulent accounts were reported by these third-party companies without my authorization. I have never done any business with these companies nor have I the consumer given these companies written or verbal consent to share my nonpublic personal information with non-affiliate data-furnishing companies. these companies are not only violating 15 U.S. Code 6802 and The Family Privacy Protection Act of 1974, but it is also preventing me from obtaining credit for my personal and household needs.
Consumer complaint received 2019-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I mailed in credit investigation requests on XX/XX/XXXX. I was supposed to receive something back within 30 days, but so far, I haven't received anything.
Consumer complaint received 2016-09-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation (WA)

I submitted a complete Borrowers Response Package on behalf of my clients on XXXX/XXXX/2016. The Borrowers were finishing a Forbearance period upon submission of the package for review of modification and other options. As of XXXX/XXXX/2016, the SPOC, XXXX XXXX at PHH Mortgage Servicing Center reviewed the file with me. She stated that she sees the documents were scanned to the Borrowers file. However, no action has been taken to open a review. I inquired about an Acknowledgement letter being sent to the Borrowers. She verified that one was on the file, but was never sent to the Borrowers. I requested escalation of the file. She stated she will email the Document Review Department. This file was submitted on XXXX/XXXX/2016. It is now 40 days from the submission of the Borrower Response package without being looked at.
Consumer complaint received 2022-08-25
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I transfer money from my savings account ACH to other bank and it was a scam. I made 4 different transfers to this company and now my bank told me that they can do nothing to help me. Spend over an hour on the phone talking to 4 different people, they took my callback number and no one called me back when we got disconnected. The amount of 4 transfers is XXXX