davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-06
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Michigan Mutual, Inc. (TX)

This is time sensitive as I may not have a home in a few weeks, please have someone follow up with us as soon as possible. 

In XXXX we have requested forbearance due to COVID. Since the beginning of XXXX we have been trying to get our packet from the mortgage company to re-install payments corrected, as initially they were trying to list our house as a foreclosure. We were advised by phone in XXXX that the loss mitigation was not needed ( although we have turned in the required paperwork anyways ) and that the payments due would be applied to the end of our loan or our payments would adjusted to repay over the next ten years. We have been calling weekly since then and keep getting advise we are waiting on the packet. 

On Friday, XX/XX/XXXX we received a notice that our property would be sold for auction on XX/XX/XXXX and on Sunday XX/XX/XXXX we have an inspector arrive to our property. 

I called again today on XX/XX/XXXX and advised of the notice, the inspector, and our current situation. Once again we were advised that the loss mitigation has been escalated and we should be receiving our paperwork to continue our payments. 

I am aware that a payment is due. I do not know how much to pay as I was told I may have to pay the past due amount since XXXX or continue payments as they were prior to COVID. I do not trust that I will get this taken care of in the promised next 5 days. I do not know if I need to find a place for us and our children. 

Please help.
Consumer complaint received 2020-01-23
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. (CA)

The number of times late that is being reported on my credit report seems inaccurate and or misleading. Please provide proof that the alleged account was in fact late and that you have taken the necessary steps to properly investigate your allegations Please provide this information and correct this account immediately so that it shows paid as agreed, never late.
Consumer complaint received 2022-09-08
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)

CFPB + Credit Reporting Agencies, This complaint is in relation to a credit account this creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.
Consumer complaint received 2022-03-26
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. (HI)

I demand this account be deleted from my credit report, XXXX XXXX account is being reported with inaccurate information and after being disputed nothing has been done by the credit bureaus, leaving the innacurate information on my credit report is a direct violation of the FCRA, all information on my credit report must 100 % accurate and verifiable across all bureaus or be removed. 
1 ) inaccurate information being reported across XXXX and Equifax is as follows a ) high credit limit - inaccurate b ) credit limit- inaccurate c ) date last reported - inaccurate d ) date last active-inaccurate e ) date of the last payment-inaccurate f ) no notice of dispute on this account g ) payment status on XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX is being reported inaccurately which is a major violation of the FCRA and should be removed immediately.
Consumer complaint received 2022-03-10
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)

I submitted a complaint to XXXX XXXX on XX/XX/XXXX. 
I followed up with a phone call on XX/XX/XXXX to attempt to speak to someone regarding late fees due to COVID and improper management of my account. I spoke with someone and they could not access my account or even find t with providing the account number. I was placed on hold and then forwarded to " a specialist '' who said that the persons screen froze and they could not seem to locate me or my account ( even with providing the account number ) I was then told to hold on as I was being re-routed to the proper department where I was on hold for 35 minutes - NO ONE PICKED UP THE PHONE. At this point it is clear that XXXX XXXX does not have interest in addressing the COVID late fees associated with my account. They can simply be waived and my credit score can then go up so I may purchase another vehicle. 
I am the co-signer XXXX XXXX, a veteran of the XXXX XXXX and XXXX XXXX XXXX XXXX. 
The account number is XXXX, XXXX XXXX XXXX. The account is current.
Consumer complaint received 2019-07-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (FL)

My home sustained severe damage from Hurricane Michael in XXXX of 2018. I filed a homeowners claim with XXXX XXXX XXXX immediately. Insurance came to inspect and wrote me three checks which seemed insufficient to cover the repairs. I tried to contact my insurance company over a period of months regarding their estimate and the man handling my claim would never return my calls. After getting tired of waiting, I hired a public adjuster to help me with my claim ( XXXX XXXX XXXX XXXX ). Long story short, the insurance company and the public adjuster reached an agreement and they sent a check made out to myself, the P.A., and Selene Finance ( my mortgagee ). I sent the check to Selene Finance after the P.A. and I endorsed it about a month ago. This check was for {$90000.00}. Now Selene has over {$110000.00} total that I've sent to them from insurance. ( The contractor 's estimate is {$95000.00} ) Selene Finance is refusing to release funds to cover the 10 % fee charged by the public adjuster.
Consumer complaint received 2022-03-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IA)

I applied for XXXX in XXXX. Yesterday I finally received a count of qualifying payments, and it is only XXXX of XXXX. By my count I have nearly XXXX payments that should qualify. I don't know how they could get it so wrong. There are entire years they are not counting. The letter mentions the waiver at the top, but the entire rest of it is full of pre-waiver information and processes. Anyone reading it without knowing extremely detailed information about the waiver from their own research would read the letter and think that is the end of the road. The only option on the letter is to call if you disagree. I waited on hold XXXX hrs last night, they finally answered and said they have nothing to do with the waiver, all of that is handled by XXXX. of XXXX. They said they are not allowed to talk about the waiver terms nor mention it in their letters as it has nothing to do with their company. They stated that " they have heard '' that there is supposedly a XXXX review coming for those that have XXXX qualifying payments by XXXX of XXXX XXXX " at some point before XXXX ''. Their letter does not say anything about a XXXX review, it was all verbal. And, they have undercounted my payments to XXXX XXXX that I don't have XXXX per their count, so I won't even qualify for the XXXX review by XXXX. of XXXX, if there even is XXXX! I knew the process was broken, I had no idea it was this broken. I attempted to file a complaint, but could not get any confirmation number or ticket number for the complaint, even after going to a supervisor. They agreed to send me a letter documenting my concerns, but when they sent the letter it is boilerplate text that does not address me at all, and restates the same wrong counts. I need help getting them to tell me the truth, state the process clearly, count my payments correctly, and pass my file on for the XXXX review they say I am not eligible for because they have miscounted my payments. I thought everyone was eligible, isn't that the whole point of the waiver? What is the point of submitting through FedLoan if they are not going to follow the terms of the waiver anyway? Why not just submit directly to XXXX XXXX XXXX for review? FedLoan should be forced to update their letters to reflect current realities of the XXXX waiver. Their letters and website are extremely misleading and send the message to everyone that the waiver never happened. Also, the only option to contact them is by phone. The agent complained to me they are getting XXXX calls per hour. Well, if their letters were more informative and accurate, so many people would not need to call! And, they have turned off the chat function on their website, and don't respond to emails, I have sent them XXXX in XXXX weeks with no answer.
Consumer complaint received 2019-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NV)

My credit card with Citibank was closed in the middle of XXXX with any notice. Citibank claims they can close my account at any time and not give a reason. Even if this is legally allowed, then it borders on deceptive marketing. 

Citibank sends me an advertisement to open a credit card. I have a hard inquiry on my credit report as part of the application process. I am approved. Then about four months later my account is closed suddenly without notification. I am left stranded in the middle of a trip without the ability to use my card. At the very least they could have given a warning that my credit card was going to be closed. I think any reasonable person would have that expectation. I also believe that any reasonable person that doesn't break any laws nor do anything illegal would not expect his or her account to be closed for no reason. 

Citibank needs to stop this deceptive practice and ensure that they are not closing people 's accounts for reasons that are protected by law. If I ask Citibank if my account was closed because of my race, they can not deny that is the reason. If I ask Citibank if my account was closed because of my religion, they can not deny that is the reason either.
Consumer complaint received 2022-09-01
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. (HI)

EQUIFAX IS STILL REPORTING INACCURATELY, UNPROVEN, UNVERIFIED AND UNTRUE LATE PAYMENTS ON MY CREDIT REPORT FOR THIS ACCOUNT : XXXX XXXX XXXX ACCT # : XXXX EQUIFAX IS INCORRECTLY REPORTING 3 LATE PAYMENTS FOR THIS ACCOUNT. XXXX IS INCORRECTLY REPORTING 2 LATE PAYMENTS FOR THIS ACCOUNT AND XXXX IS INCORRECTLY REPORTING 1 LATE PAYMENT FOR THE ABOVE-MENTIONED XXXX ACCOUNT. 
CLEARLY A REPORTING VIOLATION AS NOTHING MATCHES. 
WHAT IS EVEN MORE CONFUSING IS THAT EQUIFAX IS ALSO REPORTING THAT THE ACCOUNT STATUS IS " PAYS AS AGREED '' AND THE ACTIVITY DESIGNATOR IS REPORTING AS " PAID AND CLOSED ''. 
ANOTHER VIOLATION FROM EQUIFAX IS THAT THE DATE OF LAST ACTIVITY IS BEING REPORTED AS XX/XX/2022, BUT CONFUSINGLY EQUIFAX IS FALSELY REPORTING A PAYMENT HISTORY CHANGE ON XX/XX/2022. HOW IS THAT POSSIBLE? WHY IS EQUIFAX REPORTING A PAYMENT HISTORY PERCENTAGE DROP 6 MONTHS AFTER THE ACCOUNT WAS CLOSED AND 6 MONTHS AFTER THE REPORTED DATE OF LAST ACTIVITY?? EQUIFAX ALSO REPORTS " NO DATE '' OF FIRST DELINQUENCY ( SEE PROOF ATTACHED ) WHY IS EQUIFAX REPORTING ANYTHING NEGATIVE AND MISLEADING ON A " PAID AS AGREED '' CLOSED ACCOUNT? 

EQUIFAX IS VIOLATING MY CONSUMER RIGHTS BY INACCURATELY REPORTING ALL THIS WRONG AND MISMATCHING INFORMATION. 
THIS NEEDS TO STOP IMMEDIATELY!!
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (VA)

Dear Sirs, I am an US citizen studying XXXX XXXX at the XXXX XXXXXXXX present. I am low-income, XXXX, with XXXX foster kids, and a XXXX business ( Screenwriter ). Yesterday there was a remote meeting with the the XXXX XXXX in XXXX. He advisesall US citizens to leave XXXX.I have problems checking my credit report and score from XXXX, XXXX  ( even throughXXXX ), as the credit cards issued by the XXXX  banks will not work in the US and I need a credit card. I have mailed in all the copies of my documents as per their instruction on the site, but they did not answer. All my accounts should be closed and in good standing. I have the latest report for XXXXMy FICO XXXX scoreshould be around XXXX / XXXX of XXXX ; PLUS of XXXX XXXX / XXXX of XXXX. When I return to the US I have to be sure that all my accounts are in good standing and my score is high.I also have all the personal information on people who know my SSN.What should I do in this situation? I would highly appreciate you kind help with this matter and prompt reply. Sincerely,
Consumer complaint received 2019-07-02
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. (WY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1. XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 2.XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 3.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX 4 . XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX ( Duplicate ) 5.EQUIFAX MORTGAGE SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NJ XXXX ( XXXX ) XXXX 6.XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX 7.XXXX XXXX XXXX XXXX, OH XXXX 8.XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX , UT XXXX I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2020-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NC)

Reference is in Response to report on time payments to all 3 Major Credit Bureaus ( XXXX, XXXX, Equifax ). 
XXXX XXXX XXXX failed to report Payment Status for XX/XX/2019 - XX/XX/2019. 
This should be reported or showing as paid on time. 
I want to know why they failed to report this to the Credit Bureaus? 
I have proof of all my payments and not limited to just dates of payments. 
With the interest rate they are charging me, failure to report my on time payments over 5 months is not an option that should be allowed. Im highly disappointed with the way Ive been treated and will do what I need to protect my credit rating. 
( RE : Equifax ) Sincerely XXXX XXXX
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still 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 accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX/XXXX XXXX Balance Owed : {$630.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX -open XXXX  XXXX XXXX Balance Owed : {$1100.00} Date Opened:XX/XX/XXXX
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still 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 is the account that isstill reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance Owed : {$78.00}
Consumer complaint received 2020-01-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Associated Credit Services, Inc. (AZ)

On the date of XX/XX/2020 I checked my credit score & noticed six Derogatory Marks from a collection agency Associated Credit Services Inc. Upon inquiring on there website I discovered eight open accounts with various amounts {$2200.00} in total. After further inquiring I was able to find out that this was from a medical bill that had already be paid via my attorney 's at the XXXX XXXX XXXX XXXX XXXX XXXX in a settlement.
Consumer complaint received 2022-01-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (MD)

ERC Enhanced Recovery Company had tried to collect {$5300.00} from me in XXXX of 2019. I informed them that this debt didn't belong to me and that I had been a victim of identity theft and if they could provide me any documentation with my signature on it. they removed the account due to no evidence within 30 calendar days from XXXX, XXXX and XXXX. I took a look of my credit reports and seen that they inserted this debt back on my credit reports. I do know that once a debt is removed with the same account number it can not be inserted back on your credit report. But they broke the law by adding this back on my reports and I am wondering how did the 3 credit bureau 's let them do this illegal transaction.
Consumer complaint received 2021-09-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (TX)

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that CAPIO PARTNERS would verify the debt. So I took it upon myself to ask CAPIO PARTNERS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Consumer complaint received 2019-08-21
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CURO Intermediate Holdings (FL)

From : XXXX XXXX XXXX Date : XX/XX/2019 at XXXX XXXX XXXX To : " XXXX '' XXXX Subject : DOCKET NUMBER XXXX No mention of my name or account or my actual email address. Below is the complete message.

Message : CREDITOR : SPEEDY CAXXXX XXXXE Total Due Balance : {$760.00} ATTENTION : This Legal Proceedings issued on your Docket Number XXXX with one of SPEEDY CASH SERVICE. Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you. So the accounts department of SPEEDY CASH SERVICE has  decided to mark this case as a flat refusal and press legal charges against you. 

We want to resolve this matter as quickly as possible and avoid further action, so we are proposing the following settlement offer : We have sent you this warning notification about legal proceedings but you failed to respond on time now its high time if you failed to respond in next 24 HOURS we will register this case in court. Consider this as a final warning. And we will be Emailing/ Fax this issue to your current employer to make sure they take strict against you. Your salary wages will be garnished. 

Do revert back if you want to get rid of these legal consequences and make a payment today or else we would be proceeding legally against you. And we apologies that this notification will also sent to your current employer. The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action. 

You can Email back to get the payment mode too. 

Upon receipt and clearance of your payments as agreed, we will notify our client to update its records accordingly regarding this settlement. 

WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. LATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT. 

TERMS & CONDITIONS YOU AGREED.

By electronically signing this Loan Agreement by clicking the " I AGREE '' button below, you are confirming that you have agreed to the terms and conditions of the Consent and that you have downloaded or printed a copy of this Consent for your records.

IF YOU WANT TO RESOLVE CASE OUTSIDE OF COURT THEN CONTACT TO ATTORNEY : XXXX : XXXX Sincerely, XXXX XXXX