davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NC)

I am reaching out to you today because I am having issues with my loan that have gone on for five months. My loan modification was completed and my payments were to resume on XX/XX/XXXX. I made my first payment for XXXX on the XXXX, it was six days late because your online system was down, and my 2nd payment on XX/XX/XXXX. Around mid XXXX I was informed that my loan was 60 days past due. When I called to clear up the issue, it was discovered that my payments had been allocated to XXXX. I was told that this issue would be fixed and my payments would resume. 
As of today, XX/XX/XXXX, this has not been fixed. I have been unable to make payments because my account does not reflect the proper amounts due or dates. I have called Loan Care around 15 times and have received at least 10 calls from loan care. The end result of all calls is that I am instructed to wait until the problem is corrected and then resume the payments, but the problem is never corrected. 
I have requested that the harassment regarding my payments stop, since the only thing preventing me from making payments on time are mistakes on your end. But the opposite has occurred. I have gotten collection calls and notifications by mail that I am delinquent. When I called to express my concerns, I was told, on a recorded line by a Loan Care employee, that these letters and phone calls were intended to be threatening. And as I understand it, this is inappropriate behavior at best. I am currently unable to make my payments because Loan Care has still not resolved issues with my loan, yet they continue to call and harass me for payments as though I am deliquent. They have pressed me to make payments over the phone on several occasions, even though the account does not reflect the proper payments, dates and totals.
Consumer complaint received 2015-04-23
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC. (WA)

On XX/XX/XXXX I had a brief hospital stay at XXXX XXXX. As I was leaving the hospital, I paid my " anticipated charges '' in the amount of about {$400.00}. My balance ended up being around {$600.00} total and was paid the following month after I was sent a bill by XXXX XXXX. That month I was also contacted by Evergreen Professional Recovery stating that I owed money to them for services rendered by XXXX XXXX. These bills had already been paid and I spoke with XXXX XXXX and got everything cleared up and eventually switch insurance providers. 

Earlier this month ( nearly five years after paying this bill ) I received a phone call from XXXX at Evergreen Professional Recovery on XX/XX/XXXX and again on XX/XX/XXXX stating that they are trying to collect on this debt. They have not been able to provide me with any paperwork. XXXX suggested on XX/XX/XXXX that I call XXXX XXXX to clear up this issue. I called XXXX XXXX XX/XX/XXXX and was informed that I had no balance on my former account.
Consumer complaint received 2023-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

This company closed a line of credit. They ignored all of my communications asking for information regarding the account. Numerous letters.They also keep sending me bills with positive balances which is misleading. This account is hurting me and my family from succeeding in life. I reach out to them via phone and have yet to hear anything from them. Can you please assist me with resolution?
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-08-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

TODAYS DATEXX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 




I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP (CA)

I had my us bank account recently closed. Due to a returned check and insufficient funds. Ive had numerous problems with my account all of last year 2021. I had many fraud attempts with changing my password or someone calling and having duplicate cards mailed out. I probably had to close my debit card in 2021 more than 10 times. They could not give me an answer as to how this continues to happen. My bank statements didnt add up. Whoever sent me these us bank statements had the balance wrong and couldnt give me further details. A lot of the times I would call and they wouldnt even try to verify the caller was the account holder. I noticed that everyday XXXX since XXXX all the way through XXXX my account was being withdrawn by XXXX dollars daily. Sometimes more than once a day. Im a single mom of XXXX kids I thought my money would be safe but nothing was done. And eventually my account became withdrawn and I never received a notification but one and it stated it was sent in XX/XX/XXXX I didnt receive it in the mail until two weeks later And by then the accounts were closed. I relied on those funds to pay my bills and provide food for My household. Its really surprising that they made me feel like I was invisible and they couldnt help me at all but close my accounts.
Consumer complaint received 2021-08-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Dear Sir/Madam : I am writing to complain and report XXXX XXXX XXXX for trying to abuse the credit reporting process to extort and coerce me into paying a debt I do not owe. XXXX has engaged a XXXX XXXX  XXXX - a debt collection agency - to recover non-existent a {$410.00} debt claim. I've called and written XXXX XXXX XXXX to dispute, complain, and demand that the debt claim be fully removed from my credit record with the three credit reporting bureaus. Yet the debt is still showing on my record even though qualified as disputed. This debt claim is not legitimate or valid whatsoever. My transactional interaction with XXXX XXXX XXXX is as follows : On or about XX/XX/XXXX, I paid XXXX XXXX XXXX {$870.00} for 6 months policy coverage per their quoted premium ( Exhibit A ). Full payment was made via ACH on XX/XX/XXXX. Sometime in XX/XX/XXXX, XXXX XXXX XXXX tried to increase the premium which I rejected. I informed XXXX XXXX XXXX of my decision to cancel the policy and did so on or about XX/XX/XXXX. Upon cancellation of the XXXX XXXX XXXX policy, I purchased another policy for the same vehicle with XXXX XXXX effective on or about XX/XX/XXXX XXXX Exhibit B ). 
I exercised my legal right to cancel the XXXX XXXX XXXX auto policy before the end of the term for which Id fully paid. I dont owe XXXX XXXX any debt. Neither the company nor its collection agent have explained to me the basis for this debt claim? 
I respectfully request an investigation into this debt claim. XXXX XXXX XXXX should provide the basis for the claim if one exists and any supporting evidence. Otherwise, this false item should be expeditiously removed from my credit record entirely. Failure to do so would be an abuse of the credit reporting process designed to extort and coerce me into paying a debt that I consider totally invalid and not responsible for.
Consumer complaint received 2021-07-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 45 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 30 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2019-03-15
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: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX Company is reporting 3 loans each as late twice to all credit bureaus. 
90 days late 120 days late 90 days late 120 days late 90 days late 120 days late Totaling 6 missed payments which is inaccurate credit reporting because all loans were on a Income Based Repayment Plan at the same time. 
The problem with this is that one XXXX XXXX Never notified me prior to the account being out of deferment effective this date. 
Second XXXX XXXX XXXX XXXX Never mailed me a letter although my address was on file at the time of the account being in deferment. 
Third XXXX XXXX XXXX  placed the account on a payment schedule without notifying me of my right to request a Income Based Repayment plan. 
As you will see I have attached copies of their correspondences that were never sent to me and the notification preferences that were on file. All it shows is electronic. 
Further, there are no records prior to XX/XX/2018 of a notice being sent that an initial payment was due for only 3 loans when all loans were on the same loan application for repayment, only a notice that the account was past due which is inaccurate.
Consumer complaint received 2021-07-20
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

After multiple of disputes no information provided by the company ( XXXX XXXX ) is matching any of 3 Credit Bureaus .Enclosed is a reply from XXXX . 
I have only received a reply from XXXX that they verified information and its accurate and complete!!!??? Accurate and complete??? As per enclosed Screen Shot last time they verified this account XX/XX/XXXX.It means they never did .Equifax sent me Equifax sent me a post card stating that they can't find me in a system with a bogus explanation, which is basically computer generated " go away, do not bother us no more '' message .XX/XX/XXXX did not even bother to reply ever .Please review all attached documents and Certified Mail Receipts. 
Bellow is my brake down of how the account is reported by the furnisher and all 3 Credit Bureaus : Date account opened : XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX # of Month of terms : XXXX XXXX XX/XX/XXXX. XXXX EQ XXXX XXXX XXXX Balance : XXXX {$6100.00} XX/XX/XXXX XXXX EQ XXXX XXXX XXXX Date of Last Activity : 4 different dates, even years!!!!!!!! 
XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX EQ XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX Which raising a huge question about when this account should come off the report!!! 
Please examen their own ledger. 

Date of Last Payment : Different Dates and even years!!!! 
XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX EQ XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Which raising a huge question about when this account should come off the report!!! Please examen their own ledger. 

Last time reported : XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX EQ XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX It means XXXX have never conducted investigation and have never responded to XX/XX/XXXX and XX/XX/XXXX .XX/XX/XXXX and XXXX have never initiated investigation either. 
Now its even more understandable why all dates and dollars mismatch. 
What is even more interestingly that contract that apparently has my signature on it Doesn't have an account number that XXXXXX/XX/XXXX refers to!!!!! How do I even know who this account number belongs to??????? 
To establish the credit file the furnisher must submit the initial contract to all 3 Credit Bureaus, than how this account number belongs to me without my signature????
Consumer complaint received 2021-07-19
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: WELLS FARGO & COMPANY (NY)

This account don't belong to me. Please remove this from all 3 credit reporting agencies. Please see below the account that is reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft WELLS FARGO HM MORTGAG Account Number : XXXX This is not mine.
Consumer complaint received 2023-01-04
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: Experian Information Solutions Inc. (NY)

I have filed Disputes with Experian on XX/XX/2022 and XX/XX/2022, and today XXXX. That an account in collections had fraudently been added the my credit report. 

The account has a balance for {$2700.00}. The account is a collections account from XXXX XXXX XXXX. I have never been a customer of XXXX 

Each time Experian has validated this information as correct. I am the victim of fraud. As this account was opened in Georgia, a state I have never been to. I have never spoken to a representative of this company.
Consumer complaint received 2021-07-19
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. (NC)

XXXX XXXX  was sent a letter of dispute. After review of my credit reports, XXXX XXXX  has not marked my account as disputed as required by the FDCPA
Consumer complaint received 2021-07-18
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: Nelnet, Inc. (NC)

When applying for a credit card XX/XX/XXXX, my application was denied. XXXX revealed XXXX student loan accounts opened with my name as a co-signer by my father XXXX XXXX. The debts amount to {$340000.00}, all dating back collectively to XXXX. I never authorized permission for my information to be used for any of these student loan accounts. Since XXXX, I have never received any phone calls/mail invoice regarding these accounts. 

I have managed to clear these fraudulent records from my XXXX and XXXX reports. However, NELNET continues to report these accounts as accurate to XXXX I have contacted NELNET, received their identity theft forms, and returned their requested notarized documentation late XXXX. I have not received any confirmation the requested documents were ever received during subsequent phone call correspondence. 

SPECIFIC ISSUES : My SSN does not bring up the fraudulent accounts with NELNET. I could only utilize my fathers information to reveal the accounts when on the phone with NELNET. 
XXXX  website issues preventing convenient access to dispute status.
Consumer complaint received 2023-01-04
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: Fidelity National Information Services, Inc. (FNIS) (NJ)

Please see attached complaint which includes my identity verification documents, FTC Identity Theft Report, and Copy of Most Recent ChexSystems credit report.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc. (FL)

I was offered an XXXX XXXX XXXX by Comenity bank in early XXXX. 

I carried a XXXX balance, never used the card. They charged a yearly membership fee of {$170.00} which I never authorized, and it was paid regardless, back in XXXX. 

Now the real problem. According to their website, the XXXX XXXX XXXX program ended in XXXX. Accordingly, I have no statements after XX/XX/XXXX. That was my last statement. 

But my account stayed open and they were charging {$2.00} per month fee. They have now just reported my account 60 days late on {$14.00} worth of fees. Even though my account has no statements since XXXX. 

Please see the website. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX program has ended, effective XX/XX/XXXX. Because of this, we are no longer accepting new applications for the XXXX XXXX XXXX program. Existing cardmembers will receive additional information about what this change means for your account. " I never used this store card, which had a credit line of {$10000.00}. 

Attached are the last statement posted on my account, and also transactions proving I paid full balance in XXXX. Then the {$2.00} fees they kept charging on an account that according to them had ended.
Consumer complaint received 2022-05-15
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: EQUIFAX, INC. (CA)

I sent letters on XX/XX/2022 to XXXX, Equifax and XXXX about unrecognized negative items on my credit report and have not received any information back. It has been over 30 days. These companies are not complying with their own policies in a timely manner. 
I sent a second letter XX/XX/2022 asking the companies listed to comply but received no response.
Consumer complaint received 2021-07-18
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. (TX)

fcra violations see attachments : remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX TX XXXX APARTMENT COMPLEX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX SINGLE FAMILY XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX SINGLE FAMILY XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX Account Dispute Reason Selected Edit Payment never late Comments Edit FCRA violations please send me proof of this late payment RemoveXXXX XXXX XXXX XXXX Account Dispute Reason Selected Edit Payment never late Comments Edit FCRA violations please send me proof of this late payment Account Name XXXX XXXX XXXX Account Number XXXX please understand if I miss something I might have to report it at a later date I'm not the expect at credit Im a POLICE OFFICER : XXXX county sheriff 's office
Consumer complaint received 2023-01-06
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: Experian Information Solutions Inc. (CA)

Hello, The bureaus have not deleted these fraudulent items that are being reported let alone investigated anything. Also there is a bankruptcy that was filed 10 years ago that is still being reported that is past the statute of limitations. 

Please review the FTC report and information I have sent out thank you, XXXX XXXX XXXX