davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (VA)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please REMOVE the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-12
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. (IN)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
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
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$6700.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2800.00}
Consumer complaint received 2016-12-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Dovenmuehle Mortgage, Inc. (WA)

I have been working with my lender regarding a loan modification. I have provided and supplied all documents upon request and the lender has confirmed receipt of all documents. Now, XXXX day prior to the foreclosure sale I am being told that they do not know yet if my sale will be postponed as they have not yet determined all documents are there although they have acknowledged that the file is complete as of XX/XX/2016. All my homeowner bill of rights are being violated as I am not being provided with a significant opportunity to obtain loss mitigation options to avoid the foreclosure and have done everything possible on my end to attempt to do so. I also believe it is illegal to foreclosure on my property when I am in an active loan modification with my lender.
Consumer complaint received 2024-02-08
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. (FL)

Subject : Notice of Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Florida Laws Dear XXXX, EQUIFAX, XXXX, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), along with pertinent Florida laws governing identity theft and fraud, specifically Florida Statutes Sections 817.568 and 817.5685.

It has unequivocally come to my attention that XXXX, EQUIFAX, XXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Florida state law, particularly Florida Statutes Section 817.568, emphasizes the necessity of consumer consent for credit reporting, while Section 817.5685 of the Florida Statutes provides clear directives for the fair reporting of consumer credit information. Simultaneously, identity theft fraud laws, such as Florida Statutes Sections 817.568 and 817.5685, underscore the severity of unauthorized access and misuse of personal information.

I assert with unwavering certainty that I have not provided consent for XXXX, EQUIFAX, XXXX to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that XXXX, EQUIFAX, XXXX immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Florida Statutes Sections 817.568 and 817.5685. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft and fraud statutes. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Florida state law, and identity theft fraud statutes. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that XXXX, EQUIFAX, XXXX will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith,
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

During a recent investigation into my credit report I was overwhelmed with XXXX  at what I saw. There were numerous inconsistencies that were being reported on my credit report and I am incredibly distraught at the fact that the agencies have not taken the time to make sure that their reporting are accurate and valid. This failure to comply with their own standards has left me in a really tough spot and I need this fixed
Consumer complaint received 2022-08-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: EQUIFAX, INC. (TX)

in accordance with the fair credit reporting act XXXX XXXX XXXX {$10000.00} XXXX XXXX {$520.00} # XXXX XX/XX/XXXX XXXX XXXX # XXXX {$51.00} XX/XX/XXXX XXXX XXXX # XXXX {$890.00} XX/XX/XXXXXXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX In U.S.C 1681 section 602 A states I have the right to privacy In U.S.C 1681 Section 604 a 2 it also states aconsumer reporting agency instructions
Consumer complaint received 2018-12-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (OH)

On XX/XX/2018 I called XXXX XXXX for XX/XX/2018 payoff amounts on 3 loans ; 1-XXXX -- -- -- amount given {$7000.00} Chk # XXXX issued 2XXXX -- -- -- amount given {$10000.00} Chk # XXXX issued 3-XXXX -- -- -- -- amount given {$27000.00} Chk # XXXX issued On XX/XX/XXXX, three BANK checks were sent REGISTERED MAIL : to XXXX XXXX Co Signer Payoff XXXX XXXX XXXX XXXX, PA XXXX Those checks were received on XX/XX/2018 at XXXX XXXX Since then I have called the XXXX 11 times to check on those loan payoff being processed. By XX/XX/XXXX I began asking for a supervisor. On the XXXX I was told there were being processed. Since then I have been told that the imaging on the checks was not accepted & yet Chk # XXXX has processed through XXXX XXXX XXXX Wednesday XX/XX/18. I talked today with Supervisor XXXX # XXXX was to Call me back in XXXX to XXXX min XXXX XXXX XXXX. He was to check with the XXXX department. That has not happened ( XXXX ). XXXX XXXX called back. He said they have cancelled the 2 checks will not process them. Their bank XXXX XXXX will not process them. My bank will not reissue checks unless the others are returned. He informed me if it is the BANK 'S image fault I AM LIABLE FOR EXTRA INTEREST & FEES My question is how can 1 bank check for the MOST money process & the others not. Dealing with XXXX XXXX has been extremely Frustrating when just trying to pay off loans that constantly increase in interest. Since the loans originated my grandson still owes only {$1500.00} less & that was 4 years ago.
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. (NY)

Dear Credit Credit Bureaus, I am writing to express my deep dissatisfaction with the handling of my disputes regarding two accounts that I strongly believe to be fraudulent and the result of identity theft. The accounts in question are XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXXXXXX XXXX 

Despite multiple attempts to bring this matter to your attention, I have yet to see any meaningful resolution. I have repeatedly requested information under UCC 11 to validate these accounts, but to no avail. It is deeply concerning that despite my efforts, these fraudulent accounts remain on my record, in clear violation of federal laws. 

Furthermore, I have submitted an affidavit of identity theft, providing clear evidence of the fraudulent nature of these accounts. However, it appears that this important documentation has been disregarded, and a proper investigation into the matter has not been conducted. This failure to address my concerns could potentially lead to legal repercussions, and I am deeply troubled by the lack of action on your part. 

I am formally requesting that these fraudulent accounts be promptly removed from my credit report, and that all necessary updates be made without further delay. Enclosed with this letter, you will find a copy of the affidavit of identity theft that I previously submitted for your reference. 

Please be advised that this is my final attempt to resolve this matter amicably before considering taking legal action. I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I will not hesitate to pursue all available legal avenues to ensure that my dispute is handled properly and in accordance with the law. 

I urge you to take immediate action to address this situation and rectify the errors on my credit report. I expect a prompt response within [ specify a reasonable timeframe ] confirming the removal of these fraudulent accounts. 

Thank you for your attention to this matter. I look forward to your swift resolution of this issue. 

Sincerely, XXXX XXXX Enclosure : Affidavit of Identity Theft Social security number Lease with address
Consumer complaint received 2020-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Express Recovery Services, Inc. (UT)

Express Recovery is reporting a debt on my credit file that I do not owe. I recent checked my credit file and noticed this debt. I called immediately and paid this debt off. I never received any phone calls, letters or notices about this debt and that violates my 30 day right to dispute.
Consumer complaint received 2024-01-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (ME)

In XX/XX/XXXX, I received a letter from the student loan servicer Mohela that my student loan was discharged. 

In XX/XX/XXXX I notified them to ask why the loan discharge had not been reported to the credit reporting agencies. They advised me verbally over the phone that they didn't know when or if this would be done. 

I was told to simply provide the discharge letter when applying for credit and this should be sufficient. Two times I've been told until ot is showing paid that o would not be considered for credit with them. 

The mohela representative even told me they didn't know how to deal with credit bureaus. This seemed as if they would not make any effort to report the loan paid in full!
Consumer complaint received 2021-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I AM WRITING THIS COMPLAINT AGAINST CAPITOL ONE BANK FOR CHARGES MADE ON MY CREDIT CARD FOR A CAR RENTAL BY XXXX  XXXX  XXXX  XXXX. I SUBMIT A DISPUTE TWO DAYS AGO AND THE DISPUTE IS ALREADY RESOLVED WITH CONTACTING ME FOR ANY PROOF OR EVIDENCE ON THE CAR RENTAL. I DID A TWO DAYS ONLINE RENTAL WITH XXXX  XXXX  XXXX  FOR A CHARGE OF XXXX WHICH WAS CHARGE ON MY XXXX CREDIT CARD AND WHEN I WENT TO PICK THE CAR AT XXXX XXXX I WAS ASKED TO MAKE A DEPOSIT FOR XXXX XXXX AND XXXX DOLLARS ON MY CAPITAL ONE CARD. THEN I HAD A ONE DAY EXTENTION FOR XXXX PLUS TAXES WHICH WAS SUPPOSED TO BE CHARGE TO MY CAPITOL ONE CREDIT CARD. BUT XXXX  CHARGED XXXX DOLLARS WHICH IS A RIP OFF, I AM SURE THIS COMPANY IS RIPPING A LOT OF INNOCENT PEOPLE OFF WHO DON'T KNOW ABOUT CAR RENTALS. I WOULD APPRECIATE ON INVESTIGATION BEING DONE ON BOTH COMPANIES BECAUSE I HAVE PROOF OF MY RENTALS RECEIPT. ALSO I AM REQUESTING THE STATE OFFICIALS OR THE APPROPRIATE DEPARTMENT OF NEW YORK STATE TO CHECK ON THE CHARGES ON THEIR RENTALS AGREEMENT THAT THE GIVE OUT TO CONSUMERS ON THEIR RENTALS. THANK YOU.
Consumer complaint received 2024-02-07
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: NEXA Mortgage, LLC (FL)

Property that I purchased with Nexta XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nexta Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  United States of America XXXX ( XXXX ) XXXX State Licensed Financial Institution : XXXX I recently purchased a home and was referred to XXXX XXXX XXXX XXXX XXXX XXXX to assist on my home loan. The communication has been an absolute nightmare. There has been multiple email chains and text messages about gathering information for preparation. I was advised to have all my debt with along with account numbers and total amounts that needed to be paid off at the time of the closing. Not only was this sent to them XXXX  times, but they also had phone numbers to obtain authorizations to confirm debts and what was paid to the creditors. When I thought this was completed, at the time of the closing I was to receive {$3000.00} back. However, it was brought at the closing table that I need to '' add money to my account '' in order to close. Now I would like to mention. XXXX creditor to be paid due to the debt to income ratio was my XXXX XXXX  of over XXXX XXXX of which they totally disguarded. The XXXX XXXX is now trying to contact the loan office to review money since it is not " adding up '' and when she called XXXX XXXX XXXX about this he hung up on her. He received his XXXX XXXX in commission and there is XXXX XXXX in escrow that can't be released since he will not " check his numbers since there is noting accurate and money has been disbursed wrongfully. I am asking for you help and for you to know that this loan officer and his company has lied to me, doesn't pay attention to the customer and fraudulently maneuvers numbers to match what he feels fit and never gives a print out on what he tells you. 
His name is the following. Loan XXXX XXXX name is NEXTA XXXX XXXX Mortgage Loan Originator XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Business Phone : ( XXXX ) XXXX Cell Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Website : XXXX XXXX XXXX XXXX Thank you for your attention in this matter. This officer should not be licensed to manage financial affairs for the public. 
Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2024-02-07
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 am writing to express my dissatisfaction and frustration regarding the multiple attempts I have made to correct an issue with the late opening of my account. I believe it is essential to bring this matter to your attention in the hope of resolving it promptly. 

I opened an account with your institution, and unfortunately, I have encountered ongoing difficulties due to a delay in the activation or processing of my account. Despite my repeated attempts to rectify this matter through various channels, the issue persists, and it has caused considerable inconvenience. 

I understand that technical glitches or administrative errors can occur, but the lack of timely and effective resolution is unacceptable. I have attached copies of relevant documents, including account opening forms and any communication received, for your reference. 

I request the following actions be taken promptly to address this matter : Immediate activation and proper processing of my account.

A thorough investigation into the root cause of the delay to prevent similar issues in the future.

Compensation for any inconvenience caused, including reimbursement for any fees incurred due to the delay.

I expect this issue to be resolved within the exact timeframe from the date of this letter. If the matter is not resolved satisfactorily within this time frame, I may be compelled to escalate the complaint to relevant banking authorities and consumer protection agencies. I am asking for your assistance to correct this account these in my credit file : XXXX XXXX XXXX : {$8100.00}.
Consumer complaint received 2024-01-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC (SC)

I had a loan with XXXX XXXX XXXX. I had gotten behind on payments at one time, I was told I need to pay {$1400.00} to get back on track, so the next day I sent the money and my loan became current. When I paid the {$1400.00} I called the next day to see if they had received a t because in my online account it did not show the payment but showed I was caught up. When I called they said they didnt apply the amount as one payment that they broke it down and gave me credits for missed payments but there was no credit to my account for that amount. A few months later, they repossessed my car when my payments were not even behind and a payment was not due at that time. Now they have sent my balance over to westlake financial and they are seeking money for the loan. My vehicle should have never been repossessed to start with I had no notice of any sorts telling me anything. It has been put on my credit as a charge off. They also charged for insurance premiums and never credited that back either. I had the car almost 2 years and I owed more than the original amount of the loan. After the vehicle was repossessed I was informed that the company was in bankruptcy.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (LA)

On XX/XX/year> I sent out a letter to Equifax about inaccurate and incomplete information on my credit report.i asked to see original documents from those companies with my signature on it to verify the accounts or delete them immediately
Consumer complaint received 2024-02-15
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CL Holdings LLC (WV)

Asked for any documentation they have, with signatures, as to the original debt. They sent a XXXX statement. Nothing else. I submitted a complaint to you. Next day, XX/XX/XXXX, I received an email stating the debt wasn't mine and they would remove from my credit. Just received a letter from Jefferson Capital, asking me to pay a different amount, with a supposed different original name ( XXXX, now ). I again sent an email requesting the original paperwork. This is not on my credit report. These people are trying some shady stuff ....
Consumer complaint received 2020-06-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

I had made an online transfer of funds to a recipient and I was involved in a scam of my funds. The recipient promised that she would mail me an item that I purchased through her website. She didnt send me the item but received my funds through XXXX app. Im trying to recover my funds which amounted to {$500.00} on XX/XX/20. I made a claim with my financial institution and they denied my claim. I wasnt able to retrieve the information I needed to file a complaint to the recipient bank. Because the recipient bank is affiliated with the XXXX app. They stated that they dont work with online app transfer of funds. I am filing a complaint to receive the funds that have been wrongfully taken from me. I also spoke to a representative from XXXX to try to recover the funds but they were not able to assist. Please help!
Consumer complaint received 2017-03-28
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (OR)

I have been trying to get information from Navient on paying a small amount while my loan is deferred. They wo n't allow me to make payments on the principal and will only put payments towards the interest, which in the long run does n't do any good. They also wo n't lower the payment to something I can afford. According to them, I can afford $ XXXX / month on my student loans. And this would make it impossible to pay my mortgage, put gas in my car, or feed my child.