davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-22
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. (PA)

equifax credit agancy has violated my rights 15 u.s.c 1681 section 602a states i have a right to privacy 15 u.s.c 1681 section 604a section 2 states a consumer reporting agency can not furnish a account without my written consent. 
15 u.s.c 166b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose this agency has allowed information to publicly furnish against the law in which is defamation to my character please uphold the law and have them remove these items thank you XXXX XXXX acct XXXX XXXX XXXX XXXX acct XXXX XXXX  XXXX XXXX acct XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX  acct XXXX
Consumer complaint received 2022-06-22
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. (GA)

In accordance with the Fair Credit Reporting act 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (PA)

I am writing this complaint because on XX/XX/XXXX, I had a late payment from a private student loan company called Firstmark Services XXXX recoded on my credit report. As a result, my XXXX credit score decreased from XXXX to XXXX and my XXXX credit score decreased from XXXX to XXXX. My loan in total was {$2500.00} with {$50.00} monthly payments. Today I have a balance of {$1800.00}. This loan was initially set up in XXXX with XXXX XXXX XXXX and XXXX XXXX sold my loan to Firstmark Services where my first payment was made in XXXX of XXXX. I have never had a late payment recoded until now. I am fully confident that this late payment is an error on my lenders part. 

To begin, I had set up auto-pay roughly the first week of XX/XX/XXXX for the purpose of worry-free timely payments. I thought everything was set up correctly but according to their system records, autopay was not set up and was not confirmed. As a result, my XX/XX/XXXX payment went 44 days late and my credit was affected ( and almost missed my XX/XX/XXXX payment ). They stated they gave me multiple phone calls ; however, I did state my phone blocks out spam XXXX XXXX XXXX XXXX XXXX XXXX 

My attempt to resolve this was a two-and-a-half-hour phone call around XXXX XXXX XXXX with Firstmark Services which included a financial rep and 4 different supervisors. Unfortunately, I was told by the rep each supervisor that the lateness was reported correctly. I feel stuck and the conversation came to a point where I asked for leniency since this was my first reported late payment given to the creditors. At that point, I realized that I would take need to take personal responsibility in order to get the lateness removed from my credit. I reached out to credit experts, friends and family which lead me to reaching out to you. 

I have never had a late payment recoded on my credit report and I am saddened to have seen this happen. I am XXXX XXXX XXXX, a XXXX XXXXXXXX XXXX XXXX  XXXX XXXX iXXXX XXXXXXXX and have been working on keeping my credit in excellent standing. I plan to work diligently with you to get this lateness removed from my credit report in any way possible. I have future financial goals that I would like to continue to work towards. 

My Firstmark Services Phone Number : XXXX Thank you
Consumer complaint received 2022-06-21
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act, 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 an account without my written instructions.

15 U.S.C. 1692C A Section 1 : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX oclock antemeridian and before XXXX oclock postmeridian, local time at the consumers location. 

The debt collector has communicated with me without my express permission, it has furnished my account without my written instructions and has violated my privacy.
Consumer complaint received 2020-05-18
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. (MA)

One of my 4 Parent loans went into collections without my knowledge. I thought that they were all on deferral. 

I've been trying to work with XXXX XXXX XXXX XXXX to get a reasonable payment plan. 

The only response I ever got was that they were unable to locate my account. 

Although they have failed to cooperate in any way, I continued making payments of whatever I could afford. 

I recently sent them a letter asking to negotiate the amount down to {$2500.00}. They accepted the {$2500.00} as payment in full. Now, even though they cashed the check with PAID IN FULL written all over the front AND back, they state that they will continue collections activities. 

This NEGATIVE item remians on my credit reports SEVERAL TIMES. Each one with a different status. Collection, Charge off, Transferred, closed. They are all the same loan. 

Other than this one item on my credit report, I have NEVER had a late payment and they have ruined my credit. 

I have continuously requested removal from all three agencies. It comes off and a month or two later, it's right back on.
Consumer complaint received 2022-06-22
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. (SC)

In accordance with the Fair Credit Reporting Act XXXX the following accounts has violated my rights. 
XXXX XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXccount # XXXX XXXX. XXXX XXXX XXXX  XXXX Reference # XXXX XXXX. XXXX XXXX XXXX XXXX XXXXeference # XXXX 15 U.S.C. 1681 Section 604 A States : I have the right tp privacy.

13 U.S.C. 1681 Section A Section 2 : States a consumer reporting agency can not furnish accounts without my written instructions.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my 23rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance Owed : {$480.00} XXXX XXXX XXXXXXXX Balance Owed : {$510.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-18
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. (GA)

A fraudulent account was opened in XX/XX/2016with XXXX ( XXXX XXXX XXXX  ) XXXX ( I don't know what these initials mean ). The account number on the bureau is XXXX. Around the same time an address from California ( I live in Georgia ) appeared on my file. I conferred with several experts in fraud and they confirmed that this account has all the red flags for such an account. The account was opened, immediately charged to the limit and no payment was ever made on it from the beginning. 

I disputed this account with Equifax and XXXX XXXX and they not only left it on my file. They did not block it from display ( as provided for in the Fair Credit Reporting Act ). This is a violation of my federal rights. 

I have provided copies of a fraud affidavit ( FOR INFORMATION PURPOSES ONLY ) I do not expect the CFPB to file this affidavit..but I do expect for you to make Equifax and XXXX XXXX adhere to the federal law.
Consumer complaint received 2022-06-21
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



TransUnion Name : XXXX, XXXX, XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiries XXXX XXXXXX/XX/XXXX Collections : 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 ADDRESS : 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  EMPLOYER : XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Colections : 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  NAME XXXX XXXX XXXX XXXXXXXX EMPLOYER XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collections 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 XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-29
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)

I've recently disputed about this XXXX  credit on all three of my credit reports XXXX, XXXX  and Equifax on XX/XX/2020 XX/XX/2020 and XX/XX/2020. I haven't received any accurate proof about this account on my Equifax and and XXXX  account. The amount owed is {$1100.00} but has not been verified on my Equifax XXXX or XXXX   accounts.
Consumer complaint received 2022-06-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: AMERICAN EXPRESS COMPANY (NY)

I agreed to a resolution regarding a disputed American Express account ( XXXX ) for the sum of {$4800.00} payable in monthly installments of {$300.00} in the first month and {$190.00} per month thereafter until {$4800.00} was paid. Agreement was reached with XXXX XXXX XXXX XXXX ( XXXX ID XXXX ) who claimed to be working on behalf of American Express. The XXXX XXXX representative, and the written confirmation of that agreement, called for monthly ACH debits to be initiated by XXXX XXXX from the Bank Account I provided for the first payment. This was repeatedly confirmed with the representative. 

The First payment of {$300.00} was indeed processed on XX/XX/2022 and I expected the second installment to be processed on XX/XX/2022. It was not. 

I called to inquire as to why the payment was not debited on Monday XX/XX/2022 but XXXX XXXX 's office was not open. I left a voicemail but received no return call despite leaving a phone and ID number per their instructions. I called again on XX/XX/2022 and was advised that XXXX XXXX no longer has the file and the representative refused to discuss the matter further. 

I expect American Express to honor the agreement made by their representative and initiate the installments on a monthly basis as required and only for the settlement amount. At present, American Express ( either by their own action or their agent 's ) breached the agreement and should not be permitted to benefit by virtue of their breach.
Consumer complaint received 2022-06-21
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. (NC)

I closed the XXXX XXXX XXXX account on XXXX XXXX due to they were billing me for a card that I no longer had use for and increased my limit without my consent. I have disputed this several times and they would remove the payment history but every month they would report I'm behind on my payments for a closed account. I have contacted them several times and nothing still hasn't been done on their behalf. My score has dropped over XXXX points due to them reporting and the account is closed. They have lied since XXXX stating they were sending a check for the amount refunded and then also stated they would add it too the prepaid account that I had with them none of that was true. Have been having issues with them since last year and they need to be shutdown for this type of issues
Consumer complaint received 2022-06-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NY)

Shellpoint Mortgage Servicing, on behalf of XXXX, is committing fraud. 

On XX/XX/XXXX we received two letters in the mail. One letter was dated XX/XX/XXXX ( see attached ) and told us that if we made a payment by XX/XX/XXXX we would be granted a deferment ( we are trying to exit forbearance ). 

The second letter informed us our right to a deferment was denied because we failed to make payment by the required date ( presumably XX/XX/XXXX ) Neither letter came with a time machine. 

I therefore believe Shellpoint, on behalf of XXXX, is committing fraud. They are writing letters dated for a time in the past, and sending out at the same time a letter denying our exit to COVID forbearance, presumably to try to force us into foreclosure or otherwise take a less desirable path to exit forbearance.
Consumer complaint received 2020-05-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synergetic Communication Inc (AK)

I was a victim of identity theft in the mid to late XXXX 's. I only learned of the Identity theft due to a hospital collection agency contacting me at my place of employment requesting I pay a bill. I filed a complaint with the local police department in XXXX of XXXX. I did not learn of the credit card theft until XXXX. 
I filed a FTC complaint # XXXX. 
Now, over 20 years later, I received a letter from a new collection agency, requesting payment of a debt. The first collection agency XXXX sold my information to another collection agency, Synergetic Communications.
Consumer complaint received 2020-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report I saw an outragous amount of account under my name that are not mine. Please delete these items from my report. XXXX XXXX  XXXX XXXX   XXXX XXXX {$570.00}
Consumer complaint received 2022-06-02
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. (OH)

In accordance with the Fair Credit Reporting act XXXX Account : XXXX Bank. # XXXX .... {$2.00}... XXXX XXXX # XXXX ... $ XXXX 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 2022-06-02
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. (VA)

In accordance with the Fair Credit Reporting act XXXX Account : : : XXXX XXXX XXXX # XXXX XX/XX/XXXX ... {$3000.00} XXXX XXXX Bank XXXX XXXX XX/XX/XXXX .... {$640.00} XXXX XXXX XXXX XXXX # XXXX / XX/XX/XXXX ... {$320.00} XXXX # XXXX XX/XX/XXXX .... {$410.00} XXXX # XXXX XX/XX/XXXX XXXX. {$340.00} XXXX XXXX # XXXX XXXX XXXX {$130.00} I have reached out to the compaines and they still have not corrected the issue. 


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 2022-06-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CA)

Initially I started to get calls from Rocket Mortgage my current mortgage company holder. I was hospitalized and I was getting approximately XXXX calls per day and continued to have voicemails. When I was able, I called back they were marketing the possibility to refinance my loan. XX/XX/XXXX I spoke with XXXX and she was going to work up numbers and get back to me. When she called me back, she advised my home was worth in the updward of the low XXXX. I advised her I didn't agree with the valuation as I know home in my area have been going for XXXX on the low end. I then advised her I was frustrated as this happened to me once before with them in XXXX and I informed her I was not interested in moving forward and thanked her for her time. She said she was sorry. On XX/XX/XXXX I got a call from XXXX asking me to call him back at XXXX he wants to work something out with us. I called back and left a voicemail and informed again to please not reach out to me as I was not interested in moving forward with refi. Since then I kept getting a call almost on a daily basis from XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX. When these calls came in I wasn't answering as I had already informed XXXX I was NOT interested in moving forward. FInally I called XXXX back again and I left her a voicemail asking her to please stop the calls, and no need to pass me onto anyone else. Well, XXXX then proceeded to send emails me to me. XX/XX/XXXX was her first email. I responded again with no need to speak as their services was not needed. I asked to please no longer reach out and at this point its considered harassment. Well, XXXX didn't stop she scheduled us for a call, and finally had to get on the call again and I informed her to stop calling me as I will be reporting this harassment to CFPB because I simply cant afford to get several calls per day and voicemails and emails when I informed her I was NOT interested. On XX/XX/XXXX I got yet another call from another rep at XXXX Mortgages customer satisfaction team, his voicemail stated its important regarding my current mortgage. Well, because I do have my current mortgage with them, I called back. He was yet another rep trying to get me to refi my mortgage loan. I became so upset I told him this is enough and if they continue to call me, I will be in contact wth an attorney and didn't appreciate the harassment. He apologized and ended the call. now as of yesterday XXXX I am starting to get the same type of marketing calls although I continue to tell them to STOP CALLING. Im not sure what else I can do regarding this anylonger and I refuse to change my phone number to avoid the calls. Please help me.
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

My identity was compromised, a XXXX XXXX bankruptcy among several other fraudulent accounts were placed and remain on my Transunion credit report. I've disputed and submitted proof of ID theft and deletion from all other credit reporting agencies, but Transunion and the Transunion company " LCI '' have denied all of my disputes repeatedly. This erroneous XXXX XXXX bankruptcy is seriously hindering my credit worthiness.
Consumer complaint received 2022-06-22
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. (AL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX XXXX with Account ending in XXXX has violated my rights. 

15 U.S.C. Section 602.A., states that I have a right to privacy.

15 U.S.C. Section 604.A.2., states that a consumer reporting agency can not furnish account information without my written instructions.
Consumer complaint received 2020-05-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capital Management Services, LP (CA)

Company has wrong information on me and thus not receiving proper notification on debt being sent to collection. Proper notification wasn't sent in advance on debt was going to be sent to collections. No effort was done to try and reach me before hand. Also they called a family member that I have no communication with to try an locate and having the correct phone number to reach me.