davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-17
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: EQUIFAX, INC. (MD)

I have noticed some unauthorized and fraudulent inquiries on my credit report. 

XXXX XXXX XX/XX/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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies
Consumer complaint received 2024-02-17
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. (GA)

I recently viewed a copy of a credit report, and I noticed there are unauthorized credit inquiries made by the companies listed below. To my knowledge, I have not signed any documents authorizing the companies in question to view my credit report. The listed Inquiries were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Report Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and remove these fraudulent inquiries from my credit report. 

EQUIFAX MORTGAGE SERVICES 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 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (WI)

Back in XXXX I was in forbearance and deferment all the way up until XXXX/XXXX/XXXX. I always had a job and was able to pay something back towards my loan. XXXX XXXX never offered me any income base repayment plan options. When I really started looking into my accounts I realized they charged my account XXXX dollars in interest. I called Navient to see if the could remove all the interest or at least half and they declined it. That 's when Navient offered the income base repayment plan XXXX/XXXX/XXXX. Currently I 'm on track making my monthly payments of XXXX. XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-17
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. (MI)

These companies XXXX XXXX XXXX and XXXX XXXX XXXX XXXX bought my information from another company without my consent nor did I authorize anyone at these companies to do so. According to The Fair Credit Reporting Act, this is illegal.
Consumer complaint received 2021-11-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (AL)

AmSher Collection Services Inc, located at XXXX XXXX XXXX, XXXX XXXX, XXXX, AL XXXX sent me a letter for an alleged debt owed by me on XX/XX/2021 in the amount of {$200.00}. 

I sent a request of verification of debt to AmSher Collection Services , Inc on XX/XX/2021 via certified mail. ( Tracking # XXXX XXXX XXXX XXXX XXXX ). The company failed to respond to my verification letter, I did not receive any correspondence by mail to verify the debt as I requested on XXXX. AmSher proceeded to still add the alleged collection owed to my credit report, without sending verification to me, which is a violation of the FCRA. This has impacted my credit report which was in good standing and caused problems with me rebuilding my credit score. This was an unlawful and careless tactic on AmSher.
Consumer complaint received 2020-09-01
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: Experian Information Solutions Inc. (NY)

These accounts are older than 7 years old and should be removed from my credit report immediately my children are now adults with kids. these payments stopped more than 7 years ago the balance remains the samePlease help me with this problem
Consumer complaint received 2015-06-30
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CAVALRY INVESTMENTS, LLC (CA)

Company continues to attempt to collect on a debt erroneously placed for collection AFTER original account balance was discharged in bankruptcy. Company continues to report account to credit reporting agencies, although debt was discharged via bankruptcy in XXXX 2013. Have contacted Consumer Reporting Agencies following instructions on their websites ; have contacted this creditor directly via telephone and certified mail. 

Requesting company to immediately halt collection efforts and have all information regarding this account removed from credit report.
Consumer complaint received 2024-02-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

So my account was closed because my bank declined payments.. ok fine. Later on then my online banking stops working so now im unable to sign in and see my account and pay my bill. I don't know when my bill is due. Im not getting any mails or phone call. Yesterday I called XX/XX/XXXX and I tried to just pay both account off I was able to pay XXXX off for over {$600.00} the other one with a {$300.00} they won't allow me to pay they keep transferring me to multiple departments and telling me I can't pay. Then they said there's an account from XXXX that was a fraud application but won't provide information to me. 

Anyway im writing because I will like to pay the accounts off. Also the account that had a balance of $ XXXX they said the last payment was in XXXX and if this is true then they will report my credit late this makes no sense as I have no access to account to check and pay!!!
Consumer complaint received 2020-06-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (IL)

I have a mortgage on my Rental property with Rocket Mortgage - Quicken Loans. They called to say they have an opportunity for a lower APR. They have done this multiple times. The first time they evaluated my loan and said they actually could not improve my loan enough since it's on a rental property. I said fine and ended the process. They called me again the next month. I told them again it was already evaluated and they can't do anything. They called me again yesterday XX/XX/20. This time the agent who made the call I advised the same thing but without asking for my authorization he transferred me to a Loan Officer. I spoke with him and told him the same thing. I don't need to refinance and you can't do anything for me. He said okay. This morning I received a text saying I had scheduled an appointment with XXXX from ( XXXX ) XXXX for XXXX XXXX CST today. Now they are in violation and this is harassment and potential fraud. I called them this morning and spoke with XXXX. She was the escalation rep and said she will look into it and block my account from getting contacted in the future. I believe their practices need to be investigated so this does not become like the XXXX XXXX issue where they opened accounts without authorization. Transferring calls without authorization and scheduling meetings via text message without authorization should not happen.
Consumer complaint received 2024-02-27
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (CA)

This is a vanilla gift card, each charge on this card was declined at the merchants listed below, It is impossible to contact anyone at customer service. I also attempted to use it online for XXXX and it was also declined stating invalid card XX/XX/XXXX XXXX XXXX
Consumer complaint received 2020-05-16
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/2020 I applied for small business loan but was only approved for a small amount because of negative accounts on my credit report. These accounts don't even belong to me and I've already tried clearing it up with the bureaus and the companies directly. They verify they are inaccurate and tell me they will be removed in their next billing cycle but nothing has been done yet. This is a huge setback for me as a XXXX XXXX XXXX with XXXX XXXX I need these removed instantly so I can reapply for relief funding to save my business. The accounts that do not belong to me are XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  and XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I am writing to formally request arbitration. Upon thorough review of my credit report from XXXX, Equifax and XXXX, it has become evident that numerous discrepancies and inaccuracies still exist within the reported information. I disputed the completeness and accuracy of the reporting, unfortunately, their response stated that the reinvestigation was over, and the data was considered verified and complete. This statement begs doubts considering the blatant errors in a number of areas, including high balance, last verified date, date of last activity, date reported, date opened, balance owed, closed date, account rating, account description, dispute status, creditor type, account status, payment status, and original creditor. As required by 15 USC 1681i ( 5 ), if an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-17
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)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a identity theft report # XXXX, and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information and fraudulent items which were being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : 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 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 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 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 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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2015-10-02
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: LENDER LIVE (VA)

I am an XXXX service member and XXXX in XXXX of XXXX. When we arrived in the area we purchase a house for {$190000.00} and by XXXX the value had dropped dramatically. I am now set to transfer to XXXX in XXXX of XXXX and can not afford to keep the property so I started the process to sell my house in XXXX of XXXX, thinking that two years was more than enough time to sell before leaving. I know I will never be able to sell the property for as much as I paid for it so I requested a Short Sale through my then mortgage company. After a couple of months of waiting for a reply from them and listing the house for sale, that mortgage company sold my loan to another mortgage company and in the process lost some of the documents causing the buyer we had for the property to back out because they were taking to long. We then got back on track with the new company trying to sell the house. The last appraisal was done in XXXX of XXXX stating the house was worth {$76000.00}. We listed the house for {$100000.00} and received an offer at that price. Now almost a year and a half into trying to sell this house and not go into foreclosure, my now mortgage lender says they need to net {$140000.00} to approve the Short Sale. I have never missed a monthly mortgage payment and can not afford to in the future because it will affect my security clearance and my job. I do n't know what else to do. We have been very patient and done everything this company has asked. If I foreclose on this house it will affect my career and family and that is the last thing I want to do but come XXXX of XXXX I will not have a choice and will be forced to foreclose. I would very much appreciate any assistance you could offer. Thank you.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/2024 Subject : Dispute of Inaccurate Account Information on My Credit Report Credit Breau I am writing to formally dispute inaccurate account information that is being reported on my credit report. Upon reviewing my credit file, I have identified discrepancies in the account information that do not reflect my financial history accurately. I request a thorough investigation into this matter and the prompt correction of any errors present on my credit report. 

Details of the Inaccurate Account : Creditor Name : Consumer cooperation credit union Account Number:XXXX  Inaccuracy : Its a car loan from Consumer credit union and it do not belong to me and need to be removed immediately. This is causing punitive damage I want to emphasize that the information reported regarding the aforementioned account does not align with my financial records. This discrepancy is concerning as it may negatively impact my creditworthiness and financial opportunities. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I kindly request the following actions : Conduct a comprehensive investigation into the accuracy of the account information in question. 
Verify the legitimacy of the reported account and provide documented proof of its accuracy. 
If the information is found to be inaccurate, promptly correct the information on my credit report. 
I expect this matter to be handled with the utmost urgency and accuracy in compliance with the FCRA and other applicable laws and regulations. 

Please provide me with written confirmation of the results of your investigation and any actions taken to rectify the inaccuracies on my credit report. You may reach me at [ Your Phone Number ] or via email at [ Your Email Address ] if you require any further information or documentation regarding this matter. 

Thank you for your prompt attention to this dispute, and I anticipate a swift resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

My purse was stolen from the restroom of the XXXX XXXX station. My ID, SSN card, Debit Card, Library Cards etc were inside. My information was also included in the Equifax data breach. My information is out there on the dark web as a result of this. 
The dates are ranging from XXXX  to current. I agreed to work with Law enforcement. I have requested that the false accounts be removed, however these accounts are still present.
Consumer complaint received 2015-09-25
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Alliance Collection Agencies, Inc. (WI)

Alliance collection agency continuously contacts you multiple times per day from unavailable numbers. They also go so far as harassing you while at work even when a company does not allow for personal calls. I attempted to make a payment plan originally for medical expenses that I owed and they refused stating i had to at least pay half of what I owed ( approx {$1800.00} ) and even suggested that I take money out of my XXXX. I explained that I was a single parent with a child under XXXX years old and let them know what I could do for monthly payments. However, this was not good enough and they still tried to take me to court. This company harrasses people until they literally have nothing left financially and will do anything they can to ensure your family is left second to their demands.