davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-22
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)

Attached is the XXXX XXXX XXXX XX/XX/XXXX XXXX and XXXX XXXX requested authorizations ; verified by additionally attached CFPB XXXX XXXX XXXX SUMMARY Complaints and Responses. The XX/XX/XXXX attachment authorizes the XXXX XXXX XXXX. The XXXX XXXX XXXX is required by law to contact XXXX XXXX by emailing XXXX the following : 1. Date, time and address of the alleged debt transaction ( s ) 2. Copy of written ( contractual ) authorization of the debt transaction ( s ) 3. All billing ( s ) to health insurer XXXX 4. All XXXX payment denial ( s ) of all billings 5. Copies of all prior billings, disclosing date and method of billing ( s ) delivery to XXXX XXXX and XXXX XXXX 6. All medical records related to these transaction ( s ) 7. Name and address of all prior collectors that have been used to attempt in collecting the alleged debt ( s ). 

XXXX XXXX has never been emailed, XXXX as XX/XX/XXXX authorized. 

In response to the XX/XX/XXXX authorization XXXX XXXX XXXX in haste harmed XXXX XXXX by intentionally decreasing attached ( XX/XX/XXXX XXXX credit score ) credit score XXXX ; knowingly increasing borrowing cost. XXXX XXXX XXXX is expected to immediately confirm to CFPB and by emailing XXXX that it has notified XXXX of the inaccurately of its adverse information ( attached : XXXX XX/XX/XXXX credit report XXXX XXXX XXXX XXXX ). 

XXXX XXXX XXXX is requested to email XXXX if XXXX and Equifax have been advised of fact in the attached XXXX XX/XX/XXXX credit report XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX is requested to XXXX email communicate if it has made no adverse/negative XXXX XXXX comments to Equifax and/or XXXX. 

XXXX XXXX XXXX is requested to XXXX email communicate if it has made any adverse/negative XXXX XXXX XXXX XXXX XXXX, Equifax and/or XXXX.
Consumer complaint received 2019-05-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLY FINANCIAL INC. (CA)

My home purchase offer in XXXX, CA was accepted on XX/XX/2019. With all the documents requested I provided in day one including, but not limited to, my tax returns, paystubs, bank statements and source of downpayment, Ally Bank/Loan Advisor XXXX XXXX helped me the rates and terms locked on XX/XX/2019 for the 30 years fixed. The closing date will be XX/XX/2019. Today XX/XX/2019, a merely more than one week from the closing date Mr. XXXX called me and my wife for urgent. Mr. XXXX stated in obscure and rude that the tax and insurance of my property in XXXX, CA have not been counted the right way. Apparently Mr. XXXX was pushing the responsibilities and consequences on me and my wife behind. Mr. XXXX told me that I have two options : 1. Ally Bank modifies my loan terms substantially and unfavorable to me and my wife from 3.875 % to 4.125 % fixed rate, from XXXX to {$3000.00} payment, and from {$650.00} lender credits to {$2900.00} loan fees. Or 2. I switch the loan program from the fixed rate to the ARM, which does not go with our financial plan. I can't trust Mr. XXXX anymore due to his poor practice, which I consider over-promising, unethical, misleading and absolutely not professional. I refused to work with him. I asked for the contact number of his direct supervisor and/or manager. He ignored it and continued his approach trying to convince me to go with either of his two options not favorable to me and my wife.
Consumer complaint received 2019-05-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (TX)

I requested a deferred payment on this account. I was granted a deferred payment. On the credit report it reflects a A late payment on this account. I have never been late on this account. I have asked this company to go back and find the original information that reflects the late payment. This account would have reflected a do a deferred payment. All I have requested was have the late payment removed from this account. Please research my request in it will reflect that the late payment is the different payment I requested. I have rose several of letters in contacted your company. Please removed from all the agencies.
Consumer complaint received 2022-01-07
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX : $ XXXX Opened : XX/XX/XXXX XXXX-Balance : $ XXXX Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX-Balance : $ XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX-Balance : {$0.00} XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX -Balance : $ XXXX Opened : XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NY)

I wrote to Discover Financial Services on XX/XX/XXXX via certified mail, after noticing that they were reporting details about my account that are not permitted under the law. 

15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s 3 of this title, any ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Rather than complying with the law, and without warning, Discover Financial Services decided to close my account in a letter dated XX/XX/XXXX. 

This adverse action is a violation of the Equal Credit Opportunity Act. Notably, discrimination based on " The applicant 's exercise in good faith, of any right under the Consumer Credit Protection Act.
Consumer complaint received 2023-06-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (PA)

Complaint against PHEAA, my wages have been garnished since XXXX and my balance has never gone, sometimes it goes up and their collection fees are never paid off. They have not reduced my loan balance. I have paid over {$17000.00} and my balance has not changed, according to them I owe more now then I did XXXX years ago. I have been working for a non-profit for XXXX years but I dont qualify for student loan forgiveness because my loans are in default, the solutions they offer only takes my loan out of default and XXXX have to start over and pay for another XXXX years with + {$40000.00} debt going back on my credit report. No thank you. At this rate my wages will be attached into retirement. They are stealing my money.
Consumer complaint received 2022-04-19
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. (LA)

With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX/ {$29000.00} / XX/XX/2022
Consumer complaint received 2022-10-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

Navient is my loan servicer. I have federal loans from XXXX that were converted into FFELP loans with Navient. Although I work in higher education, and therefore am eligible for both the one-time {$10000.00} relief and the Public Service Loan Forgiveness program , Navient both threatened debt collections to continue collecting loan payments during the federal moratorium on loan payments and failed to ask or inform me if I work in a PSLF field when they uniformly told me my loan was not eligible for the one-time Biden forgiveness plan.

In fact, because I work in a PSLF field, my loan is eligible. Navient therefore lied to me about my eligibility in the federal program in order to continue receiving payments from me.
Consumer complaint received 2019-05-02
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. (FL)

i am a victim of identity theft and have been fighting this or a long time. upon pulling my credit i see the chapter XXXX bankruptcy on my credit report. This is fraud. The cra stated to me that this was verified. upon further research and contacting the county clerks office stated they have sent no notification to the cra 's. This was done by a third party. i need this removed from my reports asap.
Consumer complaint received 2022-04-19
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. (CA)

The major credit reporting agencies ( XXXX, Equifax, XXXX ), are giving lenders too much power over information reported by lenders about consumers. Credit reports/scores reflect whatever lenders are reporting including inaccuracies which has a catastrophic effect on consumers creditability. All of my accounts both open and closed are currently in good standings and have been since the duration of the account ( s ) open, yet my credit score continues to decrease. It went from a XXXX FICO score to XXXX within a year and a halfs time ; all without having one single negative remark. As a result, I have been turned down for employment as well as credit/loans based off of scores even though my payment history is 100 % paid as agreed for all my accounts. Creditors are manipulating the impact on the information about my consumer credit reports and are prolonging the resolution process by repeatedly reporting inaccuracies. Meanwhile, I continue to miss out on opportunities that would have been available to me had an accurate account of my creditworthiness been reported. There were times I made large payments and even paid off balances and my credit score continued to decreased based off of utilization and balances. Lenders have fabricated the details of their reports causing other lenders to close accounts that were in good standing. Many creditors have also decreased the credit limits on many of my good standing accounts causing my utilization and balances to spike to and above the available credit limits. Currently, creditors are manipulating consumers credit reports to accommodate for their own benefit rather than the consumers. Creditors are disregarding the set backs due to the XXXX pandemic and over flexing their powers to report consumers creditworthiness. They are offering relief to consumers but are not honoring the offers and/or maximizing higher interest opportunities during the relief process. Creditors are capitalizing off of the fall of the economy during the pandemic and taking it out on the consumers. Credit reporting agencies are enabling creditors to misrepresent consumers creditworthiness.
Consumer complaint received 2021-08-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First National Collection Bureau, Inc. (FL)

On XX/XX/XXXX, XXXX received the first initiation of debt from the First National Collection Bureau that I owe $ XXXX requested verification on XX/XX/2021, via a certified letter. 
On XX/XX/2021, I received two letters stating that XXXX XXXX XXXXXXXX XXXX manages XXXX XXXX, XXXX on behalf of the First National Collection Bureau. The other was an account summary report stating that the debt was validated. 

I responded on XX/XX/2021, requesting that XXXX XXXX XXXXXXXX XXXX ceases communication with me. Since the debt in question has been legally expired under the Statute of Limitation and they were a direct violation of the FDCPA. 

XXXX XXXX XXXX, XXXX continues to harass me for on XX/XX/2021, I received yet another printout summary saying the debt has been violated. I have then again responded and requested that the cease communication since this debt has reached it Statute of Limitation.
Consumer complaint received 2021-06-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (MD)

On XX/XX/2021 i contacted Santander Auto in regards to inaccurate information ive noticed being reported on my consumer report in the form of a late payment over 30 days. Company personal stated that there was nothing she could do regarding the inaccurate information. i also inquired about the excessive fees my accounts occurs each day the payment is late example 2 days past the due date and an extra $ XXXX {$100.00} dollars would be added to my account. according to 15 USC 1692, that's abusive debt practices. Personal hung up the phone. After calling again and reaching another representative, that personal would only discuss making a payment with me and would not help me any further then that. The action i am taking is writing an Affidavit of Truth and filing a complaint.
Consumer complaint received 2019-05-02
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 a victim of identity theft and have been fighting this or a long time. upon pulling my credit i see the chapter XXXX bankruptcy on my credit report. This is fraud. The cra stated to me that this was verified. upon further research and contacting the county clerks office stated they have sent no notification to the cra 's. This was done by a third party. i need this removed from my reports asap.
Consumer complaint received 2022-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Experian, XXXX, and XXXX are incorrectly reporting a collection that was posted on my credit score from XXXX XXXX XXXX XXXX  ( based on an unjust bill from XXXX XXXX XXXX  ). I broke my lease in XXXX of XXXX and only lived there for only 5 months. My apartment was left in the same condition as it was given to me but they charged me {$340.00} for painting, refurbishment fees. They have no proof that the apartment was left in poor condition to warrant this {$340.00} fee nor did I sign an agreement stating that Id be charged this amount from the complex if I leave the apartment in a particular condition. This collection has negatively impacted my credit score and XXXX XXXX XXXX XXXXXXXX stated that they will not delete this collection from my credit report, even though I paid the collection off. Additionally, XXXX, Experian, & XXXX are still reporting this collection on my credit even though Fair Collections and Outsourcing has no proof of the apartment condition or paperwork that I signed agreeing to pay a particular painting fee. Since XX/XX/XXXX, Ive filed disputes with the credit bureaus and nothing has changed. XXXX XXXX XXXX XXXX  needs to be held accountable for not deleting an incorrect and fully paid collection from my credit report. The credit bureaus also need to be held accountable for verifying incorrect collections information on my credit score.
Consumer complaint received 2021-08-03
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. (AL)

I checked my credit report last year in XX/XX/XXXX and I seen this credit card account listed. I have reached out multiple times asking for validation of the account. have no knowledge of this account and wanted to make sure that it is an accurate reporting account. The account is being listed by XXXX/XXXX  account number XXXX showing the date opened as XX/XX/XXXX. I'm not sure when it posted a s a charge off on my credit profile but the most recent dispute I sent in has now affected my score and it is showing a late payment. A charge off account can not reflect a late payment because it is no longer active. I have sent multiple letters for validity only to receive a letter back stating it is accurate. I have reached out to the creditor themselves only to be told they have no proof of this account. I am including pictures of my certified mail receipts as well the letters I've sent in requesting proof of the account from XXXX, Transunion, and XXXX. This should be considered fraudulent if no one can provide the information I'm requesting to verify the account.
Consumer complaint received 2019-05-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Recovery Services, Inc. (FL)

I reported this XXXX XXXX bill and a collection company called XXXX XXXX for trying to collect on an account opened by ID theft. Soon as I filed my complaint with CFPB XXXXXXXX XXXX sold this account to this new company called XXXX XXXX XXXX , XXXX XXXX XXXX was provided numerous time of the Police report case # and FTC case number for ID theft. Police report and FTC report completed on ID theft for this account. XXXX FL PD Case # XXXX, Officer XXXX, Badge ID # XXXX and FTC  case # XXXX.
Consumer complaint received 2023-06-21
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. (OH)

I have no knowledge of this accounts, XXXX XXXX XXXX XXXX ACCT # XXXX, and XXXX XXXX, ACCT # XXXX but they are being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. 

15 U.S. Code 1692 states that upon any disputed item on a consumers credit report, the debt collector shall cease collection of the debt, or any disputed portion thereof. Therefore, this is in violation! According to 15 US Code 681s-2, 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 2022-04-19
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: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting Act US Postal Service XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2021-02-05
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. (WI)

Since XX/XX/XXXX XXXXXXXX XXXX XXXX  has been reporting late payments on my credit report. Until XX/XX/XXXX they reported up to 120 days late. Suddenly in XX/XX/XXXX my payments are on time. I've never made more than my normal payments. When questioning them on these late payments they had sent me a letter for a mortgage that isn't even mine. They are reporting late payments on my mortgage from a mortgage that isn't even mine.
Consumer complaint received 2021-09-13
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)

Hello my name is XXXX XXXX. On XX/XX/2021 I sent a letter to the credit reporting agencies regarding a dispute response of an account on my credit report that was inaccurate. I also sent a FTC letter and made a complaint to the cfpb regarding the investigation process and how XXXX  and equifax did not give me a proper answer regarding the investigation and their findings and also delayed their initial response longer than 60 days. Also Equifax sent me a letter failing to abide by the law FCRA 605b even though I sent a FTC report. In the letters I clearly noted that I was severely affected and my information stolen during the XXXX  and the equifax data breach and I am seeking the help of the CFPB. Through this whole process they have failed to give me proper evidence of the validation of the debt and verification that I was the one that sought out the debt to being with and I want the item deleted from my credit report immediately. I deserved a proper investigation into the matter and not a template response in regards to a personal matter that is affecting me and my family.
Consumer complaint received 2021-09-13
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. (MS)

XXXX, Equifax and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge the accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Consumer complaint received 2022-10-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (IL)

I was told I would receive a new card in the mail, but it has not made it to me yet. XXXX XXXX XXXX. At XXXX XXXX XXXX XXXX. XXXX Illinois XXXX. The agent told me the card was blocked, on XX/XX/XXXX but it shows my balance of XXXX but I can't spend it in the store or cell phone. Can you help me with this problem. This is my card number XXXX XXXX XXXX XXXX. The expiration number is XX/XX/XXXX. I'd like a new card for the inconvience, my number is XXXX ( XXXX ) XXXX, and my email is XXXX I'd like you to contact me with a call preferably.