davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Im submitting a complaint to the credit bureau today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX Balance : {$420.00} XXXX  XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$510.00} XXXX  XXXX XXXX Balance : {$780.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$270.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX XXXX : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$66.00} XXXX XXXX XXXX XXXX : {$210.00} XXXX XXXXXXXX XXXX XXXX : {$83.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$600.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXXXXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2015-06-11
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Went to branch to process cash advance deposit at XXXX XXXX XXXX branch in XXXX XXXX CA. XXXX told that would be OK. Then told by XXXX XXXX that I need to get a voice authorization from the credit card company. Staff at branch where in a hurry to go home. Then they told me that they could not process my deposit. I told them that I needed to make the deposit to avoid XXXX {$35.00} overdraft fees. They said sorry and ushered me out the door.
Consumer complaint received 2024-02-15
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. (FL)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-15
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX late open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-29
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. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX-Date of XXXX XX/XX/2021 XXXX XXXX-Date of inquiry XX/XX/2021 XXXX XXXXDate of inquiry XX/XX/2021 XXXXDate of inquiry XX/XX/2021 XXXX XXXX XXXXDate of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXXDate of inquiry XX/XX/2021 XXXX XXXX XXXX-Date of inquiry XX/XX/2021 XXXX XXXX XXXXDate of XXXX XX/XX/2021 XXXX-Date of inquiry XX/XX/2021
Consumer complaint received 2020-11-09
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: ALLIANT CREDIT UNION (TX)

XX/XX/2020 Credit opened with XXXX 's by someone under my name, home address, SSN. 
Contacted XXXX 's Fraudulent department. 

XX/XX/2020 XXXX 's XXXX. Credit opened with XXXX 's for {$2400.00} by someone using my name, home address, and SSN. 
XXXX XXXX 's XXXX Fraudulent department. 

XX/XX/2020 Checking account opened with Alliant Credit Union by someone using my name, home address, and SSN. 
Contacted Alliant Credit Union Fraudulent department.
Consumer complaint received 2015-10-06
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: Fidelity National Financial, Inc (FL)

Sold a house in XXXX in 2007. At/after closing, paid off mortgage and home equity loan. Moved to XXXX. About 5 years later, I was contacted by an unknown company to me, Fidelity National Title Insurance Company. They are suing me and my ex-wife, claiming we did n't pay our home equity loan. I 've sent this company, the court and the judge our home equity loan certificate of satisfaction, stating the loan was satisfied on XXXX/XXXX/2007. But, the judge wo n't throw it out, even though I submitted the letter. I do n't know what to do.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DC)

I wrote to you requesting an investigation into items that I believed were falsely reporting. 
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I respectfully request to be provided proof of these alleged late payments, and payment history. Per my records I have always paid these accounts on time and never paid late. The following late payment information therefore needs to be reinvestigated as it is inaccurate, and then removed from my credit file as it is falsely reporting.
Consumer complaint received 2019-05-30
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. (NY)

THE DISPUTED ACCOUNTS DOES NOT BELONG TO, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT. PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT.
Consumer complaint received 2024-02-15
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)

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report, which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please send me the source of these inaccurate accounts.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Nelnet, Inc. (CO)

I have a few issues but I 'll start with XXXX. They allowed me as a student to take loan after loan out to attend a fraudulent school that lied about accreditations, future jobs and they are reporting false information on my credit reports that has and continues to cause due hardship. XXXX tells me I can only apply for a voluntary forbearance which has doubled my loans because of the interest. I ca n't pass a credit check for employment and I have to pay XXXX - XXXX the deposit for an apartment because they report my loans as derogatory on my credit reports. This is false and when I filed for chapter XXXX BK in 2015 they XXXX out my balances and marked my accounts as derogatory. When my BK was dismissed because I could n't afford the payments they opened new accounts in addition to the accounts they marked as derogatory. The school I attended, XXXX - XXXX University, approached me in my last semester before graduation and told me that I owed {$5100.00} in books and student fees and that I would not be allowed to take any more courses until I paid in full. I still get harassed today for this money. I paid {$2000.00} but still owe {$3100.00}. They report on my credit reports twice by XXXX different collection agencies for the {$3100.00} which causes additional hardship. 

My other complaint is exactly the same but it is for Nelnet and XXXX XXXX XXXX XXXX. They also came to me my last semester and said that I owed them {$5000.00} in books and student fees and that I would not be able to graduate until I paid. They lied about future jobs, school accreditation, and they pressured students into signing up for loan after loan only to tell students that we still owed money and could n't graduate. After being forced to leave school because I did n't have {$5000.00} they told me the only relief from my student loans was to consolidate them and then file for the voluntary forbearance. My loans at Nelnet have increased because of the interest and have gone from {$45000.00} to now {$75000.00}. No degree or job from XXXX and no help from Nelnet to stop taking so many loans for a fraudulent school. 

Between the XXXX schools I came out with {$75000.00} in student loans which is now {$130000.00} because both XXXX and Nelnet say I can only apply for the voluntary forbearance. 

$ XXXX, no degree, 10 lost years and ruined credit. These loan servicers should be held accountable for working with these fraudulent schools and pressuring students into taking so many loans. They lie to students and they glorify the school and future jobs and income levels, then once they are enrolled they just want you to keep signing the loan documents. $ XXXX and no degree!
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

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 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 2021-11-03
Product: Credit reporting, credit repair services, 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. (MI)

On XX/XX/2021 I received an unauthorized hard inquiry from XXXX XXXX XXXX XXXX XXXX. 

On XX/XX/2021 I called XXXX XXXX  XXXX XXXX XXXX and they notified me that they had no record of an inquiry or an account associated with my information/SSN and I would need to dispute the inquiry with Equifax. 

On XX/XX/2021 I submitted a dispute over the hard inquiry through Equifax. 

On XX/XX/2021 the results of my dispute were " INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE XXXX YEARS FROM THE REPORTED DATE OF THE INQUIRY. '' On XX/XX/2021 I spoke with a customer service representative at Equifax and was told I would need to call XXXX XXXX  XXXX XXXX XXXX to have them send a deletion notice to Equifax to have it removed. 

On XX/XX/2021 I called XXXX XXXX XXXXXXXX XXXX XXXX and was told that since I have no account and they have no record of an inquiry that there was nothing for them to delete and I would need to call Equifax and speak with a supervisor to have them delete the inquiry. 

On XX/XX/2021 I called Equifax and was told it was a fraudulent inquiry and I would need documentation from the FTC or a police report to have the inquiry removed since XXXX XXXX XXXXXXXX XXXX XXXX was not cooperating with providing documentation. I have put a freeze on my credit report and an initial fraud alert in place.
Consumer complaint received 2024-02-14
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: ALLY FINANCIAL INC. (CA)

I turned in my XXXX XXXX XXXX in XXXX of XXXX to XXXX XXXX XXXX in XXXX, California. They said they would buy the car from Ally/GMAC and there would be no fees or payments due. It was a three-year lease and I was in year three, with extensions, because of the Great Recession of XXXX. I was unemployed for twenty-two months. 
I never heard any news, information or ANYTHING for thirteen years until two weeks ago when I received a 1099-C form for cancellation of debt from the year XXXX. The amount is {$2300.00}. I do not know how Ally arrived at this amount as they have never contacted me since XXXX. 
California has a statute of limitations on auto loans and leases set at four years. Does this mean they can not sue yet can still process a 1099-C after thirteen years?

The date on the 1099-C is XX/XX/XXXX, again a date on which I had no knowledge of this activity occurring.
Consumer complaint received 2020-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: DISCOVER BANK (CA)

Discover bank constantly tries to steal money. I called everyday for bank card. Its XXXX and I'm told it was returned a week ago. I got no notification. XXXX. Customer service said she XXXX XXXX card but uts too late. I've called everyday and no knew told me. XXXX supv.
Consumer complaint received 2020-11-09
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)

The bureaus not following the law..They have not provided me with any of my investigation results. I sent out several letter upon my credit concerns.. They fail to comply with the law and now the have violated and are in violations upon several reasons.. Please help me get all my credit concerns removed immediately off my credit report.
Consumer complaint received 2021-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (FL)

Ally financial continues to report account past due, which contradicts the Cares Act law that agency are required to report account as current. I have called every month since XX/XX/XXXX trying to get some assistance. On XX/XX/XXXX, Ally employee states that they have no knowledge of this information.
Consumer complaint received 2015-06-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (TX)

In XX/XX/XXXX I started the hamp trial made all monthly payments on time on XX/XX/XXXX they extended the trial for agreements on my XXXX payment says applied to XX/XX/XXXX and ever since that I have received a late fee every month and I have never missed a payment it showed on the mortgage web site and I have all bank statements that prove this and the company refuses to listed I have seen docs highlighted have called they do no carePhh mortgage / Coldwell banker mortgage they will not remove PMI insurance the value is good they will not help in any way and for the XXXX 5 years of hamp trial you get {$1000.00} a year for payin on time = to {$5000.00} I have received XXXX credit to principle of {$1000.00} and nothing else costing me over {$9500.00} not include all the time and stress for the last 5 years I do n't know what to do plan on file a law suite
Consumer complaint received 2022-08-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

This is not a duplicate complaint my issue is that capital one 360 checking accounts XXXX my complaint is that capital one 360 has not notified the XXXX XXXX new York district attorney office. Tha my checking accounts have a XXXX balance. Reason for this is that the XXXX XXXX district attorney thinks I owe capital one 360 money. Their offer is that if I pay capital one checking 360 XXXX in restitution then the charges will be dropped but the problem here is that I don't owe anything I have XXXX balance here. can capital one checking 360 send a XXXX balance letter to the courts the XXXX XXXX district attorney to let them know that the checking accounts are paid in full and I don't owe nothing. I already have letter can you please send copy to the courts the XXXX XXXX district attorney. So that these charges be withdraw thank you
Consumer complaint received 2024-02-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Temple View Capital Funding, LP (DE)

After speaking with lender nearly everyday and being assured that a clear to close was due that day or the next, a settlement was finally set for XX/XX/2024. Mortgage broker assured us the buyer had met all obligations and proof of funds and we were scheduled to close. On the night of XX/XX/2024 we received a denial letter from Lender stating they don't like the neighborhood/geograghy therefore the loan is now denied. This last second reversal is both iilegal ( redlining ) and unjust. This is now costing all parties thousands of dollars.
Consumer complaint received 2021-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I sent a dispute letter to XXXX and Experian XX/XX/2021, I recently review my report and noticed that for the public record bankruptcy listing does not show that this item has been marked as in dispute nor have I have any documentation stating that the bankruptcy has been processed I am requesting a full deletion per the FCRA as far as the 30 day time window to responses.
Consumer complaint received 2015-10-15
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Specified Credit Association, Inc. (MO)

I am repeatedly being called while at work, and we are not allowed to take these kinds of calls on the clock or at work in general. I told the gentleman I was speaking to that I could not accept his phone call at work and that he would have to contact my cell phone. I spoke with him on my cell phone about the issue and he keeps reeatedly calling my work after asking him to stop.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.