davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (CA)

I added my XXXX XXXX as an authorized user eight years ago. Now that he is an adult, card performance is reported to his credit report. He hasnt personally given authorization to the bank to use his credit report, and he is not financially liable for it. This does not seem right, ethical and does not seem a permissible practice under the Fair Credit Reporting Act. I contacted the Bank and they were dismissive and not willing to provide a response backed by existing laws and regulations.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-06-12
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. (SC)

1 ) For XXXX Consumer I have asked to please mail me the proof of the investigation and to remove this account and they have failed to this is the 3rd attempt the XXXX # XXXX balance of XXXX 2 ) Also on XXXX XXXX of XXXX XXXX XXXX # XXXX XXXX XXXX told them to please provide statements made and missed since I opened this account they failed to show proof and to update the account they also have failed to show proof or update the account. 

3 ) XXXX XXXX XXXX XXXX # XXXX XXXX I never had a contract with this debt collector for any debt. And I'm asking to get it deleted which they are also refusing to do or send me the original creditor that this debt collector owns this debt and has legal authority to collect. 

4 ) XXXX XXXX XXXX # XXXXXXXX XXXX They fail to provide me statements and records of all payments made and missed since I opened this account. 

5 ) XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Balance {$0.00} They have this account listed negatively These inaccuracies are highly injurious to my credit rating and I want it delete!
Consumer complaint received 2023-10-05
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (IN)

Im currently an airline pilot. Ive always wanted to be an airline pilot since I was a young. Its unfortunate companies will take advantage of our hopes and dreams to only capitalize and line their own pockets, while individuals like myself are stuck in a never ending compound of interest. My loan was originated in 2015 when I started flight school for XXXX. After finding employment with my airline and adding up my monthly salary, My minimum pay was simply too high. So I requested to restructure my loan into the variable rate I have now of 14 %! After 6 years of making my restructured payment I still owe a total of XXXX . This makes it virtually impossible to finish my repayment while making my minimum payments. I believe when we are young, we simply are so ambitious to start a new career and better ourselves and do not focus on the financial fallout that could potentially occur. This I believe Sallie Mae takes advantage of and benefits the most by getting people to sign a trap. which only one side is benefiting and unfortunately its not the individual trying to better their-self and make a better life.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I've diligently pursued resolutions for the inclusion of these accounts on my credit report, which are entirely unrelated to me. Unfortunately, my multiple dispute submissions have not led to the removal of these erroneous accounts from my credit history. In addition, I've taken the initiative to file numerous reports with the FTC regarding these accounts, which do not have any rightful connection to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-15
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: RoundPoint Mortgage Servicing LLC (CA)

On XXXX XXXX I receive document of Debt Collection of {$37000.00} from Round Point Mortgage on Foreclose house of XXXX XXXX XXXX XXXX, XXXX, Texas.XXXX. 
A Bankruptcy Chapter XXXX  was filed on XX/XX/XXXX and was Discharged by XXXX, Texas Federal Judge on XX/XX/XXXX. VA Loan # XXXX of XXXX of {$240000.00} was included on bankruptcy and any debts of sale was included. 

My home was foreclosed and sold on XXXX XXXX during a VA Loan Modification process in XXXX, Texas.I was placed homeless with my XXXX XXXX and all my personal property in my home was thrown out on the exterior of the house on the street. 
I wasn't given no restitution of relocation because of my disability. 
Round Point Mortgage Law Firm used their authority and their billion dollar law firm to put me homeless with my Disability. 
I have been Discriminated and Retaliated as a XXXX Military Veteran. 

Why Round Point Mortgage waited after I did my Federal Taxes of XXXX to send me the collection debt of {$37000.00} on XXXX XXXX? 
My Federal Tax has been completed on XX/XX/XXXX prior to this document sent by Round Point Mortgage.. 
I am XXXX XXXX  and XXXX. 
Bankruptcy Chapter case # XXXX Filed at XXXX District of Texas US Federal Bankruptcy Court in XXXX, Texas with former Attorney XXXX XXXX XXXX ... Fax XXXX
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am XXXX XXXX and I am submitting this complaint and there is no third party involved. These accounts are inaccurate and erroneous reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. There was definitely an error. The bureaus are condoning illegal behavior and willfully in violation of FCRA. REMOVE IT FROM MY REPORT IMMEDIATELY. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Massachusetts Educational Financing Authority (MA)

I currently have three separate loans with XXXX that are in the re-payment period for which I am struggling to view my payment history. My father currently is the primary borrower on the account, however I am allowed to make payments. XXXX has told me ( via their customer service line ) that they can only email me a copy of my payment history within 3-5 business days, or mail me a copy within 7-10 business days. I want to view my payment history to plan out my re-payment time and also re-calculate the accrued interest on the account. The fact that I am allowed to make my payments but not see my payment history is very concerning.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2023 i submitted a letter to the credit bureau disputing all inaccuracies on my credit that i have listed below. The credit bureau completed their investigation verifying the accounts as accurate. 

XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX According to the FCRA The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, person characteristics, or mode of living is obtained through person interviews with neighbors, friends, or associates of the consumer reported on or with others with whom is acquainted or who may have knowledge concerning any such items of the information. 

They stated my accounts were verified but how is that possible if they didn't not do a proper investigation according to the law. Also every piece of information of these accounts are still not reporting 100 % Accurate and according to the FCRA 15 USC 1681 has to be 100 % accurate. I have the credit report showing the inaccuracies
Consumer complaint received 2023-08-10
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)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delet these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-10
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)

Im submitting a follow up today to inform the XXXX, Equifax and XXXX XXXX of the urgency of this matter. I already submitted a report to the XXXX XXXX XXXX and Per FCRA section 605b Credit Reporting Agencies are obliged to remove any items listed on an id theft report. Please refer to the attached documents to assist in the removing of the erroneous information which is being posted to my report. Once more, here is the list of items which I need the 3 Credit Bureaus to remove from my credit file : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX : XXXX XXXX. ) XXXX Balance {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX  EQUIFAX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-15
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (FL)

Many late mortgage payments are currently being reported to all three credit bureaus by Wells Fargo Home Mortgage and those late payments are showing up on my credit report. The property ( XXXX XXXX XXXX, XXXX XXXX, FL XXXX ) was deeded to my ex-wife, XXXX XXXX, on XX/XX/2013. I was not financially responsible for the property at the time the late payments were made. I have contacted Wells Fargo Home Mortgage multiple times to resolve the matter and have never had the situation resolved. I am requesting that all of the mortgage late payments be removed to correct the information. 

Property Address : XXXX XXXX XXXX, XXXX XXXX, FL XXXX Account # XXXX
Consumer complaint received 2023-08-10
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. (VA)

If you feel there is a possibility these addresses belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the addresses is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2023-08-10
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. (UT)

XXXX has already passed but up until now, I havent heard any kind of response from the XXXX XXXX which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my XXXX XXXX  immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Description of complaint : I have reach out numerous times to XXXX equifax XXXX they have failed to remove fraudulent items from my credit ( Fraudulent ADDRESSES ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CRA that negligently fails to comply with the FCRA can be held liable for actual damages, costs, ant attorney 'S fees. 15U.S.C. 1681o. A CRA that willfull fails to comply with the FCRA can be held liable for actual damages ( or statutor damages of un to {$10000.00}. punitive damages.costs, and attorney 15 U.S.C. 1681n The FCRA seeks to ensure the " [ a ] ccuracy and fairness of credit reporting. '' 15 U.S.C. 1681 ( a ). Toward that end, the FCRA mandates that end, the FCRA mandates that consumer reporting agencies ( " CRAs '' ) " follow reasonable procedures to assure maximum possible accuracy '' of the credit reports that they create. 15 U.S.C. 1681e ( b ). The FCRA also provides that, if a consumer disputes " the completeness or accuracy of any item of information contained in [ his ] file, '' the CRA must " conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.

" 15 U.S.C. 1681 ( a ) ( A CRA that negligently fails to comply with the FCRA can be held liable for actual damages, costs, and attorney 's fees. 15 U.S.C. 1681o. A CRA that willfully fails to comply with the FCRA can be held liable for actual damages ( or statutory damages of up to {$1000.00} ), punitive damages, costs, and attorney 's fees. 15 U.S.C. 1681n. You have a right to disputed anything
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-08-10
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. (NY)

This is a debt from XXXX XXXX XXXX opened XX/XX/XXXX for {$20000.00} regarding a timeshare that was not authorized by me and is reporting inaccurately. I have been trying to dispute this inaccuracy for over XXXX years and have attached my letter from XX/XX/XXXX. this unathorized and inaccurate account is not reporting on my XXXX and XXXX report. It is only reporting on Equifax which is a violation of 15 USC 1681eb which states accounts are responsible for reporting maximum possible accuracy at all times. XXXX also engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2023-08-10
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)

I sent a letter last XX/XX/XXXX to remove/block he listed items below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$17000.00} XXXX XXXX Balance : {$430.00} XXXX  XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX 2021
Consumer complaint received 2023-08-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (FL)

I lost my income due to covid, so I was told that under the CARES act forebeaance I would be qualified for a forbearance program that would allow me to keep my rate and have the outstanding balance attached to the loan. However when my hardship was ended and I was ready to start paying my mortgage again I was told that this option is not available, the only options available involve remodification of my loan terms. My current rate is 2.25 % and the suggested remodification rate is 7.25. I inform the loan servicer that I would love to be ran for a covid partial claim but the refuse to do this. My only option is to make the account current or remodify my loan. Need advise.