davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: ROBINHOOD MARKETS INC. (FL)

Its because my life including my social security number and credit bureaus are all under a fraud from a app called XXXX or Robinhood. My information was used by several different people to start an investment pymaird scheme just use my information for the XXXX market the XXXX and to sell my identification for real estate marketing. I cant look at or go into any of my information and I am stuck not knowing what to do. Last night at Saturday morning at XXXXXXXX XXXX I called the Police for them to help. This morning at XXXX XXXX I filed some more updates on the FTC.Gov to let anyone know that my life is now in danger by terrifying threats and situations. And I just sent out the same detailed information to the FBI. Now tomorrow I got call more government credit companies just to help me out to fix all this or to see if I can get my ssn changed or adjusted. This is a lot for me and I need the help very urgently.
Consumer complaint received 2022-10-13
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: EQUIFAX, INC. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of the Credit Reporting Agencies to retain disregard a consumer 's appeal for the alteration of the disputed accounts on my Credit Report. Under the FCRA sections 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the accounts being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed accounts saying that the information they gave is precise, with which I seriously disagree. I am submitting this complaint to you today to request that Equifax run me copies of documents bearing my signature to prove the status of the disputed accounts. If they are unsuccessful to comply with the condition and continue the reporting of the disputed accounts, please realize I will pursue legal action. I need the accounts corrected XXXX : XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-10-13
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: EQUIFAX, INC. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX 2. I did not authorize these inquiries XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
3. I did not authorize these inquiries XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
4. I did not authorize these inquiries XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
5. I did not authorize these inquiries XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
6. I did not authorize these inquiries XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
7. I did not authorize these inquiries XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
8. I did not authorize these inquiries XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
9. I did not authorize these inquiries XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
10. I did not authorize these inquiries XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
11. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
12. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
13. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
14. I was never 30 days late in this account. 
XXXX XXXX XXXX Account Number : XXXX XXXX. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2021-01-11
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: EQUIFAX, INC. (FL)

I contacted equifax on XX/XX/2021 regarding hard inquiries on my credit report with equifax that was reported on XX/XX/2021, XX/XX/2021 and XX/XX/2021. In addition, I wasn't able to login because they have incorrect information that is related to my identity and now they are requesting that i send a copy of my i.d, social security, and a cover letter to prove that it is me. i have always had a problem with this company when it comes to disputes. i never had to validate my information with any other credit bureau or had a problem verifying my information and was able to login and dispute any information now it is always a problem with equifax and i don't think that it is right that the consumer has to suffer because they are getting incorrect information from god knows who and now i have to go through this problem to just get a simple login information to dispute this information. Never had i sent in any information regarding this matter so why do i have to send in any information now.
Consumer complaint received 2019-09-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NM)

I was working as a XXXX Employee, and I'm doing Public Interest Loan Forgiveness. My job was ending, and I know there would be a gap in employment. I called the servicer to see what my options were and I was told the only option was a forbearance. I had the ability to make payments but in a lesser amount. I began a job working for the XXXX at a lower salary ( substantially ). I notified the servicer that I wanted to be taken off forbearance and to make payments. I submitted a pay stub, and was told I needed to redo and IDR application, which I did. I keep getting contradictory information. I had previously submitted documentation that they lost. So now I am uploading to the portal. 

In hindsight, I think I should have been offered a 0 percent payment since I was not working. The customer service people keep telling me contradictory things. I was also told that the amount is based on gross income not adjusted gross income which is a big deal. I have several mandatory deductions as a XXXX worker that dramatically reduce my AGI. 

I would like to know how long the servicer has to review the applications. Every time I call there seems to be a pattern of blaming the consumer, instead of reviewing the applications. I think this is purposeful especially when you need to repeatedly send in the same documents. I am going to send in a payment but I started this process over three months ago and they are continuing to kick the can. If my payments are not on time I am not getting credit for the payments toward my PSLF. Do I get the same benefit when the servicer, loses my paperwork, gives me false and misleading information and then blames me when they can't process the paperwork. What laws govern how long they have to review these documents. 

My goal is an affordable payment based on income, and I don't want interest capitalized because they are giving people ( myself included ) the wrong information. Who services these loans? Is it a private entity do they have shareholders? Are my tax dollars subsidizing this outfit?
Consumer complaint received 2020-09-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc. (DC)

I applied for a refinance with Better.com. They took a {$550.00} upfront fee for appraisal services. I asked them specifically whether or not they serviced their own loans or if they sold them servicing released, and the agent confirmed they service their own loans. Much later, after the appraisal completed, I received documentation at closing indicating that this was incorrect and that in fact, they use a third party for servicing. This particular servicer is especially bad and has hundreds of complaints online. Had they correctly disclosed this information when I requested it I would not have move forward with the loan. I exercised my right to back out of the loan within 3 business days at the closing table, but this fee is not refunded because the appraisal had already happened.

However, I consider this a clear UDAAP violation -- I specifically requested this information, was provided the incorrect information, could not have reasonably otherwise avoided this risk or discovered the correct information from anyone else, and suffered specific financial loss as a result. Moreover, the appraisal has no practical value as other lenders have waived the requirement to even have one, so it serves no purpose or value to me as an end consumer, it only provided value ( and financial benefit ) to better.com.

While the latest loan estimate did note this, I would add that I received over 10 loan estimates from them, and several of them they admitted had been " generated in error '' due to a technical problem on their side, so there was no reasonable way for me to know what portions of the loan estimate were correct or incorrect. I have copies of emails stating the loan estimates were generated due to a computer glitch and to ignore them.
Consumer complaint received 2022-10-13
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. (VA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-10-13
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. (MS)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/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 XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2021-01-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ERC (AZ)

Have an item on my credit report from company that is not mine.have requested documents and nothing received from company or credit bureau. The credit bureau refuses to allow me the option to upload any documents online. They cont to close with no proof
Consumer complaint received 2022-10-13
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: EQUIFAX, INC. (IL)

I am a Natural person and a consumer. Please do not close this complaint stating it is not me filing it. On XX/XX/2022 I mailed Equifax an FTC Identity Theft Report. Because I am a victim of Aggrevated Identity Theft. I pulled my credit report on XXXX XXXX and it was not reporting. I pulled my consumer credit report on XXXX XXXX Equifax is reporting the XXXX account. This account is listed in the Identity Theft Report I sent to Equifax on XXXX XXXX. First off Equifax is in violation of 18 USC 1028A for aggravated Identity Theft for furnishing this alleged account to my consumer reports that has not been validated. Please see the attached FTC Identity Theft Report and credit reports from XXXX, XXXX and XXXX.
Consumer complaint received 2022-10-13
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)

I have been submitting multiple letters with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : 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
Consumer complaint received 2022-10-13
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)

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 https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are 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 CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX ; XXXXXXXX XXXX  XXXX .... Balance : {$50000.00} ; XXXXXXXX XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX XXXX .... Balance : - XXXX XXXX XXXX XXXXXXXX XXXX .... Balance : - ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-10-12
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. (PA)

IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT THE FOLLOWING COMPANIES BELOW HAVE VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS XXXX XXXX XXXXI acct # XXXX {$300.00} XXXX XXXX acct # XXXX {$920.00} XXXX XXXXXXXX acct # XXXX {$300.00} XXXX acct # XXXX and XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXXXXXX FOR EACH AND EVERY COMPANY I FAXED I CALLED I SENT CERTIFIED MAIL ALONG WITH MY REFERENCE NUMBER FROM IDENTITY THEFT.GOV WHICH IS XXXX
Consumer complaint received 2022-10-13
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. (FL)

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

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-10-13
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: EQUIFAX, INC. (GA)

This is just disappointing! Despite the previous attempts to correct my Credit File by updating and or removing the disputed accounts on my Credit File, the Credit Bureaus have been doing nothing! While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. There a lot of erroneous reporting being done on my Credit File which is a clear violation of a consumer 's rights under the Fair Credit Reporting Act. I am submitting this CFPB complaint to request to the Credit Bureaus to please have investigate and remove or correct the disputed accounts completely from my Credit File : XXXX XXXX Balance : {$3400.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX Balance : {$9400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}. Pursuant to 15 U.S.C. Section 1681i ( d ) of the Fair Credit Reporting Act, I am requesting the Credit Bureaus to please notify me when the items have been updated or deleted. Once this has been accomplished, please forward me an updated copy of my credit report to the address listed above.
Consumer complaint received 2021-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (AZ)

I first became aware of the existence of Sagestream LLC when I applied for a XXXX credit card on XX/XX/2021. I did not know that they even existed prior to that date, and I have never had any communications with them. I was declined for the credit card because there was a freeze on my Sagestream credit file. However, I have never requested that my Sagestream credit file be frozen, nor was I even aware that Stagestream maintained a credit file on me. Because I never requested a freeze, I don't have a PIN to temporarily lift the freeze, which Sagestream would have provided to me had I placed a freeze. So I can't apply for the credit card. It seems to me that credit reporting bureaus should be prohibited from creating and placing a freeze on a consumer 's credit file without that consumer 's express knowledge and consent. It is impossible for me to communicate with Sagestream about this matter because they don't have a live customer service call center, and I would need a PIN to communicate with them by e-mail. The only address available for Sagestream LLC ( from their website ) is : XXXX XXXX XXXX XXXX XXXX, CA XXXX