davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-08
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. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2020-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OR)

On XX/XX/2016, it shows on my credit report that I was late for the month of XXXX and XXXX. I believe this is incorrect because I have had this account in forbearance until the settlement has cleared. I also contacted XXXX in XXXX about this matter and my account on my credit report. nothing has been resolved. This is my second attempt on settling this matter to remove my late payments on my credit report.
Consumer complaint received 2017-06-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (NY)

I HAVE APPLIED FOR HARDSHIP ASSISTANCE WITH MY SERVICER DITECH. I FAXED ALL DOCUMENTS TO THEM ON  XXXX / XXXX /   17  AND CONFIRMED THAT THEY HAVE A COMPLETE PACKAGE AND THE FILE WENT TO THE UNDERWRITING DEPARTMENT ON  XXXX / XXXX / 17  WITH A 30 DAY TURN AROUND TIME FOR A DECISION. I HAVE A   XXXX   XXXX   LOAN SO LOOKING UP THE GUIDELINES FOR ASSISTANCE WAS PRETTY EASY AND AS WELL AS LOOKING AT THE GUIDELINES ON WHAT TO EXPECT ON THE CFPB WEBSITE TO ENSURE I AM NOT TAKEN ADVANTAGE OF. I CALL WEEKLY, EVERY  5 B USINESS DAYS AND EVERY TIME THEY STATE THE FILE IS IN REVIEW AS OF  XXXX / XXXX / 17  WITH NO DOCUMENTS NEEDED. WE ARE NOW ON  XXXX / XXXX /   17  OVER 3 MONTHS IN THE UNDERWRITING DEPARTMENT, WHEN I QUESTION  A DITECH RE PRESENTATIVE ABOUT THE LENGTH THEY GIVE ATTITUDE AS IF I AM BOTHERING THEM AND STATE SORRY YOU FEEL THAT ITS TAKING A LONG TIME AND THEN END THE CALL. I CANT GET ANYWHERE WITH THIS SERVICER AS THEY ARE RUDE AND DONT CARE ABOUT THE BORROWERS OF THE INVESTORS THEY ARE SERVICING. I SPOKE TO  XXXX  AT  EXTENSION   XXXX  WHO IS APPARENTLY ASSIGNED TO MY FILE WHICH I ASKED IF I CANT MAKE A PAYMENT BECAUSE I AM IN FORECLOSURE AND IT IS TAKING YOU OVER 3 MONTHS TO REVIEW MY FILE WHICH IS CAUSING ME TO BE MORE DELINQUENT HOW IS THAT RIGHT, HER RESPONSE WAS WELL SIR YOU WERE ALREADY DELINQUENT WHEN YOU STARTED SO ITS NOT OUR FAULT.
Consumer complaint received 2016-10-19
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: NAVY FEDERAL CREDIT UNION (NY)

Repeated calls XXXX or 8 times a day to my home. XXXX or 3 times a day to my work { after I asked they not call me there }. Locked out of my Navy Federal Credit Union account and unable to see my balance and or statements.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

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 2020-04-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Neon Newco Corporation (CA)

I received a XXXX XXXX XXXX XXXX card through the mail. I did not request it. I phoned to speak to someone as to how this happened but their computerized menu does not allow that possibility. I want to know how and why they are able to send a financial instrument with my name on it without my consent or request. And then you are not allowed to ask.
Consumer complaint received 2017-01-17
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (MI)

Awhile ago on my credit my banker mentioned a Wells Fargo account of XXXX was on my credit and I was completely unaware of that. Then, the scandal happened and I thought it would automatically be pulled from my credit report and it was not. I never opened a credit account with Wells Fargo. Only a checking account and I closed it.
Consumer complaint received 2016-12-22
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Williams & Fudge, Inc (GA)

My loan was originally a federal student loan. I signed a promissory note for the loan and was released the funds to purchase books and other school supplies. The school XXXX XXXX XXXX XXXX XXXX, lost or misplaced the promissory note. I 'm assuming because the school lost the note, the gov't agency did not fund the loan therefore causing the school to be out of money. In an effort to get their funds recanted, the school rolled the federal loan into a private school loan ( XXXX for which i did not sign a promissory note ). The school is refusing to release transcripts or allow me to attend classes with an outstanding debt.
Consumer complaint received 2024-02-08
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)

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX, SC XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX  XXXX Bankruptcy Dismissed Date Filed/Reported XX/XX/XXXXXXXX  Reference # XXXX XXXX  XXXX Bankruptcy Dismissed Date Filed/Reported XX/XX/XXXXXXXX  Reference # XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-12-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (TX)

on XXXX/XXXX/2016 I file a dispute with Equifax about a Bankruptcy on my credit report as of XXXX/XXXX/2016 I have not received a response yet according to fair credit reporting act the have 30days to respond compliant # XXXX
Consumer complaint received 2015-11-05
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (WA)

I just checked my personal credit report, just discovered an unauthorized and fraudulent credit inquiry made by XXXX XXXX - XXXX on or about XXXX/XXXX/2015 on EQUIFAX. I did not authorized anyone employed by or at this company to make any inquiry or inquiries and view my credit report. XXXX XXXX - XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (AZ)

I am submitting to follow up on my recent complaint dated XX/XX/XXXX. To my dismay, I have received no response from your office regarding my previous attempts to address numerous errors and fraudulent information affecting my credit reports. This complaint serves as an urgent follow-up, seeking your assistance in preventing further harm to my financial standing caused by these malicious items. Despite my diligent efforts to rectify these issues with your Credit Bureau and the carefully crafted letters I have sent to your office, I have encountered only silence in return. Moreover, the same disputed items, which I vehemently challenge, have resurfaced in my most recent credit report, highlighting a clear display of negligence and incompetence. Below, I outline the distressing list of items that I am once again seeking to dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-10-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

There are many hard inquiries on my credit without my authorization. On XX/XX/XXXX & XX/XX/2015, XXXX XXXX, XXXX XXXX obtained a copy of my credit report without my authorization. And on XX/XX/2015 XXXX also obtained an unauthorized copy. I requested written proof and none was provided.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (RI)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2015-07-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (WI)

Some years back, I bought a small house through XXXX XXXX, in XXXX XXXX, WI. A bit after paying on the mortgage, with no late fees, no missed payments or problems, my wife and I received notification, that our mortgage had been sold to Seterus Company. It has been one nightmare after another since Seterus has taken over our mortgage. Rude, collection agency tactics, unresponsive to requests to speak with supervisors, speak to the main office, the complaint department or a manager. Lost payments we paid by the company and then requests for the same payment over again. Foreclosure threats, even before the payment date is due, applying payments late to our mortgage, though confirmation of them having received the payment many days before. My wife and I are at wits end. Could you please help us with this huge problem.
Consumer complaint received 2024-02-07
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. (PA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account numbers XXXX and XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Please contact Equifax and XXXX in reference to student loans on my credit report. After submitting a dispute and several phone calls since XXXX XXXX XXXX both reports remain incorrect. I request that the student loans are removed based on the PLSF program. I would also like am updated copy of my reports from both agencies.
Consumer complaint received 2020-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I opened a business account with B of A in XX/XX/2020 and I used the card 1 time for total of XXXX. They recently closed the account with no explanation XX/XX/2020.
Consumer complaint received 2016-03-19
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (FL)

I submitted a Qualified Written Request to Wells Fargo Home Mortgage. I am attempting to obtain information about my FHA loan that is serviced by Wells Fargo. The request was sent as I have received conflicting information regarding the true investor is for my loan. Wells Fargo failed to provide any of the required documents per RESPA and Truth in Lending.
Consumer complaint received 2022-12-20
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. (VA)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (KY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX NOTICE : Pursuant to the laws set forth below, you : XXXX, XXXX, and EQUIFAX are in violation of multiple laws set forth by Congress in regard to MY consumer report. YOU : XXXX, XXXX, and EQUIFAX have willfully violated my Constitutional Rights and are subject to penalty fines and/or jail time. 


Pursuant to : 18 U.S. Code 1028 ( a ) ( 1 ) - Aggravated identity theft : ( a ) OFFENSES. ( 1 ) IN GENERAL.Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 

Pursuant to : 15 U.S. Code 1681n ( a ) ( 1 ) ( a ) ( b ) ( 2 ) ( 3 ) - Civil liability for willful noncompliance : ( a ) In general : Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( XXXX ) such amount of punitive damages as the court XXXX allow ; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
Pursuant to the laws set forth ; I DID NOT GIVE YOU : XXXX, EQUIFAX, AND XXXX, WRITTEN, VERBAL, NON-VERBAL, OR ANY SUCH CONSENT TO REPORT ANY SUCH ACCOUNTS ; CREDIT, EDUCATION, PERSONAL INFORMATION, INCOME, EMPLOYMENT OR SUCH FORTH INFORMATION ON MY CONSUMER REPORT. VERIFY THE WRITTEN LETTER/STATEMENT THAT I SENT YOU GIVING CONSENT AND AUTHORITY FOR YOU TO DO SO. I DID NOT GIVE YOU SUCH CONSENT, THEREFORE YOU HAVE COMMITTED IDENTITY THEFT/FRAUD AND HAVE VIOLATED MY CONSTITUTIONAL RIGHTS. 

I look forward to resolving these violations and hearing from you soon. 
Thank you. 

XXXX XXXX
Consumer complaint received 2024-02-08
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. (TX)

I did not give XXXX, XXXX, or Equifax permission to release any information about any alleged bankruptcy furthermore you are selling this information for profit and the rights of my intellectual property is held in trust you are now trespassing upon private estate property that is copyrighted protected and this is public knowledge.
Consumer complaint received 2016-08-08
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (CA)

Hi I used Paypal to purchase eyelashes online from the individual named XXXX XXXX from XXXX on XXXX/XXXX/2016. However after repeated attempts to contact the seller and try to get status of the shipment, I still did not receive my goods. I wanted to dispute the transaction on Paypal but could n't and received the error saying " We 're sorry, but this transaction can not be disputed because it is not a purchase of goods or services. Please contact the recipient directly. '' However I could n't contact the seller, XXXX at all. I just want my money back at this point so please help me! 
Thanks!
Consumer complaint received 2024-02-07
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. (TX)

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, XXXX and Equifax a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.
Consumer complaint received 2024-02-07
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. (ND)

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.

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 2024-02-07
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)

account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 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 2022-10-04
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. (NY)

I sent a letter to remove this inquiry that UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove this inquiry not later than 4 business days. XXXX XXXX XX/XX/2021