davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (IL)

In XXXX of 2021, I applied for the third time an application for mortgage modification. I have submitted documents as they were requested in a timely fashion. The process has drawn out 6 months. 

XX/XX/2021, I was told that my original application for modification was expired, and that I would need to submit an entirely new application by XX/XX/XXXX. I resubmitted an application. 

I was told on or about XX/XX/XXXX that the application was complete and was being sent to the underwriters for review. 

On or about XX/XX/XXXX, I was told that I would need to upload a previously uploaded lease that was in their possession as well as a written statement of income and another signature on the application. Those documents were uploaded on XX/XX/XXXX. I was told that the application would be closed on XX/XX/XXXX if all of the documents were not received. I contacted the mortgage company on XX/XX/XXXX and was assured that the application was complete. 

On XX/XX/XXXX, I received a letter stating that the application was incomplete as they were still missing the lease submitted o n XX/XX/XXXX. 

In a phone call today XX/XX/XXXX, I was told they were still awaiting the lease that was sent on XX/XX/XXXX. 

The phone agents are doing their best to push the information to the underwriters, however there is a disconnect which is preventing my application for modification a proper review. 

I would like a proper response from the mortgage company to reopen the application and process it for a modification prior to my home going into foreclosure. I have submitted every documentation asked for in a timely fashion. So that I can keep my home.
Consumer complaint received 2022-04-21
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. (IL)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 U.S.C. 1681 XXXX XXXX Account Number # XXXX has violated my rights. 
XXXX XXXX Account Number # XXXX has violated my rights XXXX Account Number # 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 reports by more then seven years.
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

i submitted all requested information for security freeze but i received an email to call this company. 
I am hard of hearing, I am currently out the country and cant make calls and I am hard of hearing. Also, I prefer all communication through email or regular mail for to have a paper trail of my request and the company responses
Consumer complaint received 2021-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (OR)

I received my statement for XX/XX/2021 showing that I had not made any payment in XXXX of XXXX. The bank is demanding that I pay double payments to make up for the missing payment, as well as penalties. The payment was made on XX/XX/2021, which is the same day that their statement was sent to me. The payment is not actually due until the XXXX of the month, so the bank is saying that I made the payment too early, and therefore they credited it to my principal, but would not count it as a payment, even though my online statement shows " Payment Received on XX/XX/2021. I called their customer service, and was told that since I made the payment early, that I had to pay it again, because they will not count the payment I made. I also had {$1000.00} sent to that account from the XXXXXXXX that I used the card for, since my service did not cost as much as expected. This payment was made almost XXXX weeks before my XXXX due date of the XXXX. Again, they are refusing to allow me to use any portion of this as a payment, and are sending me e-mail, text, and phone messages daily demanding XXXX months payments, plus penalties. I have always made my payments on time to these people, but apparently they believe they have the right to charge me any amount they wish at any time.
Consumer complaint received 2023-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I did not provide any company reporting with consent to share my credit card ( ID, SSN, etc ) with another entity ( this credit reporting agency ) this is a violation of 15 U.S. Code 1681s-2. This credit reporting agency is negligently and inaccurately reporting and is not complying with 15 USC 1681.
Consumer complaint received 2021-11-28
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: CORELOGIC INC (GA)

I am exercising my right as a consumer to request a copy of my credit report. I have reached out to the company credco  consumer relations department. I sent my personal information along with documents to prove my identity thr company has not responded and sent my report.
Consumer complaint received 2021-10-12
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: GreenSky, LLC (NJ)

On XX/XX/2021, I received a call from a representative from Greensky Financial. I had made an inquiry of their finance programs but never authorized or gave permission for them to make an inquiry ( hard pull ) of my credit history, I had earlier this year had a flag put on my credit report that I should be contacted first before any credit inquiries are performed,. Also to validate my identity and verify I made any credit request. The representative informed me that she had already performed a inquiry of my credit history. I informed her that I never applied for any credit nor do I give permission to perform a pull of my credit history. The representative appeared a little frazzled and apologized for any misunderstanding. I asked her to cancel any such application and not to progress any further. Again she apologized and hung up. Shortly I received a notification was indeed performed without my consent. I immediately called the company to make a complaint. In the next week or two, I spoke to three individuals. The second representative who was named XXXX who eventually got me in contact with a manager, XXXX. I explained to her what had occurred. She understood the complaint and was going to investigate herself and get back to me. This back to XX/XX/2021 I had made calls several other times XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX, She could not explain to me how a hard pull was performed on my credit history without my consent. She did agree that since there was a flag, that the representative should have called and received my consent before any pull was performed. Thank you for looking into this matter. Please feel free to contact me if any further information is required. 

XXXX XXXX email XXXX XXXX
Consumer complaint received 2021-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

Equifax my.Equifax.com doesnt properly work and they are STEALING money from me monthly. Their customer service agents are TERRIBLE. They make it extremely difficult to get the assistance you need as a consumer. I have been waiting for over 3 months to get a refund back and they still havent provided me my funds back. The site hasnt worked properly for me since I have signed up with Equifax. Paying {$27.00} for a product that doesnt work as expected and is stealing. I havent been able to properly unlock my credit report for over a month. I opened case XXXX and then I was told 3-5 business days for it to be fixed. I called after that window on today and I sat on the phone over an HOUR trying to get help with this issue. This is the most awful experience I have had and Equifax should be ashamed of themselves stealing from consumers and not taking their customers serious. Equifax clearly doesnt value the customers you shouldnt have to authenticate XXXX times before getting assistance. You have to authenticate through the phone system, then when you get on the phone with an agent you have to give your social security number, name, address, DOB, Phone number, email address. Then you have to answer XXXX questions on your credit report and they STILL want you to send in your license even AFTER it has been sent in the last 30 days. This is absolutely awful and you STILL cant get the help you need. Also, the credit report doesnt update daily as it says it does on the site. Which is false advertisement I want my money back IMMEDIATELY for EVERY MONTH OF SERVICE I HAVE PAID FOR THIS TERRIBLE service.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX  XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-04-21
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. (TN)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items 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 delete the following accounts completely from my Credit Reports : XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance XXXX {$230.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX  XXXX XXXX Balance XXXX {$0.00} XXXX  XXXX Balance : {$210.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$680.00}
Consumer complaint received 2022-03-31
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: Nelnet, Inc. (SC)

I have mailed several notices to Nelnet Loan Services Inc., dating back to XX/XX/XXXX and I have not received any useful replies to validate that Nelnet Loan Services Inc., are holders in due course. During the validation process the debts were transferred several times making it extremely difficult to locate whomever is reporting the debts to the credit bureaus. 
On XX/XX/XXXX Nelnet Loan Services Inc., flagged my credit files with inaccurate/unverified information. Their accounts were updated on XX/XX/XXXX Please be advised that Nelnet Loan Services Inc., are not Holders in Due Course ; no services or goods were received from Nelnet Loan Services Inc., and I have not agreed to pay/tender anything to Nelnet Loan Services Inc. Nelnet Loan Services Inc. , have not provided any documents or itemized statements VIA MAIL proving I owe any debts to them. 
Proper documentation from Nelnet Loan Services Inc., was NOT provided to me to allow Nelnet Loan Services Inc., to verify the accuracy of their data that was placed with the credit bureaus for collection. This proves that Nelnet Loan Services Inc., is not an honorable or honest business that allows their alleged clients the opportunity to defend themselves. 
I have not provided signed wet-ink releases of my private information to Nelnet Loan Services Inc . 
Nelnet Loan Services Inc., does not have my permission to contact me on my private phone line attempting to collect on debts that do not belong to me. I will reply VIA MAIL and I can only be contacted via mail. Nelnet Loan Services Incs reply outside of the CFPBs portal, must be delivered via the postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. Please abide by all mail codes. All calls are recorded for my safety.
Consumer complaint received 2023-04-11
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. (CO)

Paid in full in XX/XX/XXXX, and XXXX XXXX has been reporting since that I have a high balance of {$490.00} on the card every month to TransUnion and XXXX. This is not correct, and is lowering my credit score by almost one hundred points. They refuse to take any action via phone, leaving only the option to send a letter, which I have done as of XX/XX/XXXX.
Consumer complaint received 2021-11-28
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. (ME)

This is my 3rd complaint this year ( see ID # XXXX ), and I still can not get Equifax to send me a copy of my credit report. My most recent request was sent via US mail to Equifax 's Corp. VP & Chief Legal Officer, Certified Mail/Return Receipt and Equifax signed for it on XXXX/XXXX/21 at XXXX. I've waited this additional 2 months to give them more than enough time to respond, and I've been trying to get them to respond to my numerous requests since XX/XX/XXXX! Equifax sent me my credit report back in XXXX, so they certainly have it despite their claim to not be able to locate one in my name. Obviously a confirming contact with even their Chief Legal Officer ended up yet another futile attempt. I have NO problem whatsoever getting my credit report from the other 2 national credit bureaus - including online, which Equifax refuses to do despite several online requests as well.
Consumer complaint received 2021-11-28
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. (TX)

XXXX XXXX is an account on my Equifax credit report. The account is closed, and paid off. Please remove this account from my credit report.
Consumer complaint received 2023-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to file a complaint against the credit reporting agencies for their willful neglect to investigate the inaccurate items on my credit report. I have reason to believe that my credit report contains inaccurate and unauthorized information that has been placed on it without my written permission, violating my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

So these accounts XXXX shows inaccuracies XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Have all these violations with proof to prove my case and in know the scrutiny the Credit agencies are under for not following the law and I'm not afraid to take this as far as needed to have these items removed or I'm I'm left no choice to proceseed to legation!!

I have made multiple attempts to dispute these inaccuracies with the credit reporting agencies, but they have not taken any action to investigate or correct them. This is a clear violation of 15 USC 1681i, which requires credit reporting agencies to conduct a reasonable investigation of any disputed item on a credit report.

Furthermore, I have reason to believe that my personal information was used without my written authorization, which is a violation of 15 USC 1681 section 604 A. As a consumer, I have the right to control who has access to my personal information and how it is used. The credit reporting agencies did not obtain my written permission before placing these items on my credit report, which is a clear violation of my consumer rights.

I believe that these actions fall under the term of identity theft as defined in 15 USC 1681c-2. My personal information was used without my permission, which constitutes unauthorized use of my information and is a violation of my consumer rights under 15 USC 1681q. These inaccuracies and violations need to be removed from my credit report immediately.

I want to remind the credit reporting agencies that I am aware of my rights to sue any company that knowingly furnishes inaccurate information on my credit report, which c
an result in penalties of up to {$1000.00} per violation under 15 USC 1681n.

In conclusion, I urge the Consumer Financial Protection Bureau to investigate my complaint against the credit reporting agencies and hold them accountable for their willful neglect to investigate and correct the inaccurate items on my credit report. I request that the inaccurate items be removed immediately and that the credit reporting agencies take steps to prevent this from happening in the future.
Consumer complaint received 2021-07-22
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. (TN)

I dont recognize this public record so I contacted the courts and they stated that the information I gave them didnt match that I ever filed bankruptcy in their courts ; please provide proof from the court of this public record. I never file bankruptcy ever in my life this public record on my report is inaccurate and I demand that it gets deleted immediately for violation of my right to privacy FCRA 15 U.S. Code 1681b ( 2 ) and you didnt have a permissible purpose to furnish this information on my consumer report ; and violation of FCRA 15 U.S. Code 1681i Procedure in case of disputed accuracy ; if this is not completed within 4 days I will file a CFPB, FTC, XXXX, and Attorney General compliant.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP (SC)

I opened the account in XXXX. A secured Credit card for {$300.00}. In XXXX a bill came of {$18000.00} on a {$300.00} secured card from Elan Financial Services/ U.S. Bank XXXX XXXX XXXX charged a {$300.00} secured card {$18000.00} with a balance of less than XXXX dollars still on a secured card that was only {$300.00}. They made me add money to my secured card for the balance. Upon me looking at my statement I contacted them several times XXXX and Elan about the ballooned balance of {$18000.00} and they told me several times the issue would be rectified and resolved. Upon me applying for the secured credit, they told me I would never be able to go over the limit if {$300.00}. Thats how secured credit works. Its XXXX, the issue is still not resoved after multiple attempt to have it removed from credit report. 
An according to USC1681 ( e ) ( b ) they are suppose to do this ( 15 ) Treatment inaccurate or unbelievable information ( A ) in general, after any reinvestigation under paragraph ( 1 ) if any information disputed by consumer, an item of the information is found to be inaccurate or accurate must be updated or removed.
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (PA)

On XX/XX/XXXX I received the attached letter from XXXX  Saying they have deleted this account because they could not verify the accuracy of it. On XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I sent letters to all three credit bureaus asking them to check the accuracy of the date filed the case number along with all other items listed on my report. After much research I have found that the bureaus can only verify this information with XXXX  There is no account On XXXX and therefore should be removed from all three bureaus.
Consumer complaint received 2022-04-21
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)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. Validate Account XXXXXXXX XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

4. Validate Account XXXX - XXXX Account Number : XXXX Please remove it from my credit report.