davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Mercury Financial Intermediate LLC (MA)

I am writing to formally dispute several inaccuracies in the information your company has reported to the credit bureaus regarding my credit account. The account in question is listed under the name XXXX XXXX with XXXX XXXX XXXX  mercury the account number XXXX. The following details are inaccurate : 1. Date Account Was Opened : 2. High Credit Balance : 3. Date Last Reported : 4. Date of Last Activity : 5. Date of Last Payment : The date of last payment reported is [ Reported Date ].

According to my records. 6. Payment History : The payment history across all three major credit bureaus is incorrect. 7. Charge-Off Reporting : The charge-off status reported on this account does not align with my records. Under 15 USC 1681 c ( a ) ( 4 ), charge-offs must be reported accuratelv and should not appear on my credit report bevond seven years from the date of the charge-off. 
Moreover, listing multiple charge-offs on my credit report can improperlv extend the statute of limitations for reporting purposes, which adversely impacts my credit score and prolongs the negative effects on my credit profile.

Inconsistency Across Credit Bureaus : If the same information is being reported by vour company to all three major credit bureaus, it should be consistent across all reports. Discrepancies in the information reported to each bureau raise concerns about the accuracv and reliabilitv of the limitations for reporting purposes, which adversely impacts my credit score and prolongs the negative effects on my credit profile.

Inconsistency Across Credit Bureaus : If the same information is being reported by your company to all three major credit bureaus, it should be consistent across all reports. Discrepancies in the information reported to each bureau raise concerns about the accuracy and reliability of the data furnished. According to FCRA guidelines, the information provided by a data furnisher must be accurate and consistent across all credit reporting agencies. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 i, 1 am entitled to dispute inaccurate information on my credit report and request that it be corrected.

Additionally, 15 USC 1666b requires that creditors and information furnishers ensure the accuracy and completeness of the information they provide to credit reporting agencies.

Furthermore, 15 USC 1681c-2 ( Section 605B ) requires that any information related to fraudulent accounts must be removed if it is proven to be the result of identity theft. I request that you conduct a thorough review of the disputed information and delete these inaccuracies.

Additionally, please provide me with written confirmation once the corrections have been made and notify the credit bureaus to update their records accordingly. Please respond within 30 days as required under the FCRA. Thank you for your prompt attention to this issue.
Consumer complaint received 2021-07-07
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (CT)

My student loans went from being in forbearance to being in default all within then span of six months I was never notified and I was never given any help on how to rectify the situation. Ive contacted the school XXXX XXXX  XXXX XXXX  they told me it was out of their hands and so did fed loan. Ive been left with nothing but trouble and I have no help to rectifying this situation and i cant get jobs and housing because of it. I was told to contact your organization because you may be able to help me get some compensation for this. This dates back to XXXX when I started the loans and XXXX when this all happened
Consumer complaint received 2021-10-05
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. (VA)

I am trying to get a mortgage loan but on the merged credit report, it is not getting the correct information for Equifax. XXXX and XXXX both have my SSN and correct information, but Equifax has my brother 's information in the report. I have tried to file a dispute through Equifax ( XXXX ) but my MyEquifax account is not able to be accessed and I have not been able to get Equifax support 's help with it completely. When I try to verify my information with Equifax 's automated system, it asks questions about credit that is not relevant to me. When I try to get another merged credit report with XXXX, it won't allow me to set up the XXXX account either because it asks security questions that belong to my brother 's credit. I believe there is some kind of mix up deep in my Equifax file because I am having various issues relating to their information and services.
Consumer complaint received 2022-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (CO)

Briefly, my complaint is about both errors in my credit card bill, and the impossibility of contacting anyone about it. 

Over the past XXXX weeks, I have spoken with XXXX supervisors, each of whom assured me that they someone XXXX or XXXX levels up in management would get back to me. Each of them confirmed that the bills of my last XXXX months do not look right - the totals themselves were/ are incorrect! I have never been provided with any way to contact anyone there, and when I have phoned in, my only option is to speak to yet another supervisor. Neither have any of the supervisors left notes that subsequent supervisors can review. Apart from a woman named XXXX see below NO XXXX has ever contacted me about this issue from Barclays. 

There was XXXX supervisor, and woman named XXXX, who did leave a message for me on my phone even to the effect that Barclays was giving me {$100.00} to compensate for the difficulty I have experienced in dealing with this issue, with the impression ( but not certainty ) that she was continuing to research my issues. My impression is that XXXX was trying to resolve this issue, but she was under constraints by Barclays. She was not able to leave any way for me to contact her, leaving me none the wiser as to the status of my account, and still with no recourse. I was never given a case number or any indication that my complaint was being taken seriously until this recent not very clear message, and although I filed, weeks ago, what I was told was a formal complaint over the phone, there was never any indication that that ... went anywhere. 

I find it remarkable and ridiculous that there is no way for an agent of Barclays to be contactable, that there is no continuity built into their system, let alone that numerical discrepancies could arise in their credit card assessments/ calculations.
Consumer complaint received 2020-08-25
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (NC)

On XX/XX/2020 Dovenmuehle responded to our concern about which document is acceptable. They stated that according to CFPB Rules, a court appointed representative for the estate is required meaning that they would either need Letters of Administration or Letters Testamentary. Dovenmuehle further stated that the rules do not reference an Affidavit for Collection as an approved document. Please see the attached letter.

In reviewing CFPB 's website, no where could I find any reference to Letters of Administration nor Letters Testamentary. I only found this information. https : //www.consumerfinance.gov/ask-cfpb/how-do-i-get-mortgage-information-about-a-home-i-inherited-en-217/, which does not reference any court documents needed. I have also attached a screenshot. 

Here is were our confusion lies and would appreciate your help in clarifying which if any court documents are required by CFPB. Thank you
Consumer complaint received 2020-08-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RoundPoint Mortgage Servicing LLC (FL)

See attachments Round Point Mortgage con - pressure me under duress to signed fraudulent loan modification agreement that was connected with a fraudulent new conventional mortgage Loan that Round Point mortgage Had already taken out without my knowledge in XX/XX/14 it was refinance from a FHA mortgage loan to a Conventional mortgage loan thats where the mortgage fraud also took place along with filing a fraudulent assignment of note benefits claim.
Consumer complaint received 2022-09-26
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westhill Financial (AZ)

I received calls with no answer on the other line I said hello multiple times with no response. On XX/XX/2022 that a payment was already taken from my account without any previous notice or authorization for XXXX dollars. On XX/XX/2022 I received another email that XXXX dollars were taken from my account again both of these funds were collected without prior notice or authorization. I call company on XX/XX/2022 asking questions about account, balance, and anymore information on this so called debt. I requested a letter they stated this can not be mailed to me I attempted to set up arrangements that I could pay they were unwilling and stated I dont know why you want to set that up might as well not pay thats nothing. I then asked to speak with a supervisor and was told the supervisor takes care of the whole off because I refusing to pay other legal actions would take place. They then acted like I was being transferred to a supervisor no one answered the line and I was sent to a voicemail. I called back to verify the status of my account and I was told to stop calling there. This was a very unpleasant experience.
Consumer complaint received 2019-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

see incoming redbox of XXXX XXXX from all bureaus. All accounts are updated " with disputes '' claiming they will be removed >XXXX. 

Disputed accounts were opened in XXXX or earlier AND CAN NOT BY LAW BE POSTED UNDER ANY FILE beyond XXXX. I formally demand all bureaus compliance forthwith- to include TAPE ARCHIVES destroyed of all accounts- all sub accounts- and all associated companies TAPE ARCHIVES and other stored data also be destroyed. 

If accounts are not reporting- then I further can not be lawfully liable -even internally to ANY COMPANY - whether I have had relations in the past or not with said company. XXXX doesnt seem to understand this facet of federal CONSUMER PROTECTION law. I will dare sue XXXX XXXX and XXXX XXXX if they continue to persue debts. This also goes for XXXX and XXXX XXXX I OWE NO ONE- I WILL OWE NO ONE. CAR and house notwithstanding- I should not legally be denied for either- yet I am - based on continued UPDATED SLANDER which no company or bureau will compensate me for. Instead bureaus lower my score in retaliation.
Consumer complaint received 2022-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo did not make a reasonable effort to get in touch with me regarding a delinquent credit card payment, which eventually resulted in a 30 day late. The phone number they had on file was an old and obsolete phone number that should have been updated in XXXX when unnecessary accounts were opened for me. Their collections department contact the old number on file and did not use the alternative phone numbers they had on file to get in touch with me. I believe that Wells Fargo holds equal responsibility in this matter and should recall the 30-day late they reported to the credit bureaus. I have paid this credit card as agreed for 11 years and have not had a single 30 day late. This is not a situation in which I am asking for a favor. This is a situation in which Wells Fargo has equal responsibility for not making a diligent enough effort to contact me. 

I tried to resolve this matter with Wells Fargo 's Customer Advocacy Group, and the representative XXXX lied and contradicted herself multiple times. She told me that she started working my case on XX/XX/XXXX, the day after it was submitted on XX/XX/XXXX. When I followed up regarding this case on XX/XX/XXXX, she told me that she also sent me an email XX/XX/XXXX, which was never sent and is not in either of my inboxes. After a frustrating conversation with her, I felt it was necessary to hang up in order to cool off. I called back about 15 minutes later. During this call, XXXX told me that she had not actually even started working my case yet. On the prior call, however, she kept telling that it was my responsibility to pay the credit bill on time. I find it absolutely shocking and completely unprofessional to treat a consumer the way I was treated. Absolutely unacceptable. I find that XXXX 's lack of investigating this issue and trying to blame the problem on is not keeping this claim impartial and objective, and believe there is a bias against me. Upon stating my concerns and asking for additional information, such as access to XXXX account records, XXXX kept deferring my inquiry to the credit bureaus to resolve. The credit reporting agencies can not assist me with records and retention pertaining to the opening, closing, and maintenance of my checking and savings accounts with Wells Fargo. Upon expressing these concerns to XXXX, she hung up on me.
Consumer complaint received 2022-10-08
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. (SC)

I AM A NATURAL PERSON. I HAVE TIGHTS UNDER 15 USC 1681. MY CIVIL RIGHTS WRE VIOLATED NUMEROUS TIMES AND I AM REQUSTING/ DEMANDING THESE INQUIRY ACCOUNTS/ COLLECTIONS BE REMOVED 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, THESE ARE NOT MY ACVOUNTS, WHICH LOWERED MY CREDIT SCORE, HIGHER INTEREST RATES, PLEASE REMOVE THESE INQUIRIES/COLLECTIONS
Consumer complaint received 2022-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I mailed in dispute letters three times to this information selling company. They have fraudulent information listed under my SSN and will NOT correct nor remove it. I mailed in a copy of my state issued I.D for name and address verification as well my SSN.NOT once has this company corrected the information that they are selling about me, even after I opted out of them using my SSN without my written permission.
Consumer complaint received 2018-12-11
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (SC)

Hello, This complaint is on Navient. I have been trying to work with them. I lost my job in XXXX and was unemployed for 4 months. Upon calling them they wanted to run a credit check which makes absolutely no sense for them to need to check that to prove i was unemployed. They never really give any form of leeway to people that are trying to give them something!
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

In XXXX I relocated out of state for a new job. I had difficulty selling my home and I could no longer afford to pay both rent and a mortgage. 

I contacted my lender, Bank of America, and arranged a short sale of my home. The short sale sold and closed in XXXX. 

In XXXX I was able to buy another home-there was nothing on my credit report that indicated a late payment or a short sale. 

In XXXX, late payment and short sale information appeared on my credit report. I tried to fix the dates with B of A but they only responded with rude letter about how they were only responsible for reporting late payments, and not inaccuracies. 

In XXXX, I tried to refinance my current home. Everything was going smoothly until my credit showed that the short sale was completed in XXXX four years after my home sold and closed. 

This inaccurate information is keeping me from refinancing my current home.
Consumer complaint received 2022-07-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (GA)

As indicated by the attached copies of letters and mailing receipts, you have been delivered by registered mail both a dispute letter, dated XXXX, as well as a follow-up letter, dated XXXX. As of this moment, Equifax or XXXX XXXX have not done their duty mandated under the law. Their inaction in this matter is inexcusable, and disregard for the law is contemptible. Rest assured, I will hold them accountable. As you are well aware, federal law requires you to respond within 30 days, yet they have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission I can show a judge that these accounts are inaccurate and that they have violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and my letters have went unanswered.
Consumer complaint received 2021-03-23
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. (FL)

I am writing this message because I have disaster in my credit report. I have accounts that are not mine so I do not know how they appeared there however they are not mine. It's IDENTITY THEFT and I beg you to delete them because its not fair that I have damaged score because of identity theft.
Consumer complaint received 2023-06-10
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (OK)

CITI BANK NA. DECIDED TO CANCLE ONE OF MY DEPSOIT AND MARKED IT AS FRAUDLENT. AND MY ACCOUNT WAS MARKED FOR CLOSURE. I HAVE ALWAYS USED SAME ACCOUNT FROM XXXX XXXX XXXX  TO CRDIT FUND TO MY CITI BANK ACCOUNT. THEY CLOSED MY ACCOUNT TOOK ALL MY ACCESS TO VIEW MY STATMENTS OR ACCT ONLINE. WHEN I CALLED THEY ADVISES A LETTER WILL BE SENT TO ME IN 7 DAYS ON XX/XX/2023. WHICH IS 80 DAYS NOW AND I HAVE NOT RECEIVED ANY COMMUNICATION FROM CITI BANK. I HAVE CALLED MANY TIMES TO GET MY FUNDS. THEY TREATED ME LIKE CRIMINAL AND NOW ADIVSING ME TO CONTACT MY ISSUER BANK FOR THIS FUNDS TO BE REPULL/OR START A CLAIM WITH THEM. ISSUER BANK XXXX XXXX XXXX IS SAID THERE IS NOT SUCH A THING THEY HAVE AND THEY SAID THEY HAVE NOT FLAGGED ANY ACITVITY AND NOT AWARE WHY CITI IS HAD TO CLSOSE MY ACCOUNT. ALL I NEED IS TO GET MY FUNDS BACK SO I CAN PAY MY BILLS AND NOT GET CHARGED LATE FEES.
Consumer complaint received 2021-03-23
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Commercial Recovery Systems (WA)

On XX/XX/2021, I received a call from someone who identified himself as XXXX XXXX, a lawyer with CRS & Associates. He informed me that he had been trying to get in touch with my mother regarding a " bad check '' that she wrote nearly five years ago, and he told me that if she did not contact him, he would soon file a case with state court -- he did not mention which state. He told me that he was pursuing the debt collection effort now because the statute of limitation was 5 years, and it was nearly expired. He then said " I probably shouldn't be sharing this much with you, but ... '' and proceeded to tell me which bank that the check had been written from, and the check 's date, the email that my mother had allegedly used to sign the check, and he told me that he had contacted my mother 's place of employment as well. He also told me that he had contacted my father ( no longer married to my mother ). 

After the call, I contacted my father and found out that XXXX XXXX had also disclosed to him that he was making an effort to collect a debt. 

I learned that CRS & Associates was not, in fact, a law firm, but rather a debt collection agency. I also learned that the details which he revealed to my father and me over the phone were in violation of the FDCPA, which only allows debt collectors to request contact and location information from third parties. It specifically does not allow collectors to reveal that they are seeking debt repayment to third parties or to workplaces. 

I have found several reports of unscrupulous debt collection tactics by XXXX XXXX and by CRS & Associates as a whole, and I hope that this report of blatant FDCPA violation prompts an inquiry into their debt collection tactics.
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My name is incorrectly reported with misspellings and they are affecting my verification process. The correct spelling should be XXXX XXXX XXXX please delete any other variation of my name ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ) the following addresses are not mine and are fraudulent please delete : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2020-10-23
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)

Equifax has multiple violations the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner. And Im now at risk of financial harms
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX  Want both accounts removed from credit bureau ask for validation of both debts nothing was received and neither account was removed. 

XXXX XXXX on credit bureau with 2 different accounts Ive disputed both accounts requested validation of the debt never received XXXX still havent removed debt from credit bureau. 
XXXX