davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NC)

My mortgage is $XXXX and was transferred to Select Portfolio Servicing, Inc @ 8 months ago. I always split my mortgage into 2 payments $XXXX.I kept receiving calls from them and did not understand why! Customer service said 1/2 of my payment was returned.For the month of XX/XX/XXXX, I have attached copies of my payments paid by XXXX XXXX, including statements circled and showing my payments deducted. I reached out to XXXX XXXX and was informed that my payment did not return. Which I already knew because the funds were deducted. XXXX at XXXX , and I both reached out to the bank returns processing department and they also verified that the check did not return and I have attached copies of checks.Select Portfolio said the last check dated XX/XX/2019 was returned by my financial institution  and mailed me a letter stating that they reversed the payment. (Attached)They did not want to accept what I kept saying.Finally I contacted customer service and got some sensible and was told to send copies of XX/XX/XXXX payments and statements. (Attached)The last call I received was XX/XX/XXXX.  Select Portfolio have not fixed the mistake they made and I've been calling everyday. My mortgage is still outstanding. My credit report has Been notified that I'm passes 30 days late and my credit score has decreased.Today is XX/XX/XXXX. Select Portfolio have not fixed my account.  They have requested my proof twice and I have faxed it over but everytime I call, I get the same bull. We are waiting for the credit department to fix it. I am awfully upset and already tired of this call center and plan to refinance soon as they fix my account. I want away from this place as fast as possible. Everybody working but no one know what's going on.I have enclosed copies of my mortgage payments for XX/XX/XXXX.$XXXXcleared XX/XX/XXXX (see statement)$XXXX cleared XX/XX/XXXX (see statement).Please assist by making this call center, not a real bank, post my payments correctly and accordingly and fix my credit report back immediately.  Its does not take this long to adjust an account. My bank said they have no ideal, why they sent me that letter because they did not return that check and both checks were infact paid and there has been a mistake on their part. Somehow somewhere, someone has my $XXXX which was paid by my bank. I gave more than enough time for the cashier department to fix it especially after they said they received all the proof.
Consumer complaint received 2019-03-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I initially called on XX/XX/2019 to inquire because I was not allowed to make transfers from the account or pay bills. They told me the account had been closed for over thirty days. I was never notified of this. And beyond that, the account was still accepting and notifying me via emails of accepted deposits indicating that the " funds were successfully deposited and would be available on XX date. '' ( over 6 deposits were accepted ). I have all of these emails from multiple deposits. I was never able to access these funds and it's now been over 18 days since I started this process of getting my funds -- and I still can not access my business funds. They initially told me to file new paperwork to change the business address as they couldn't send my funds to a personal address. I am a single member XXXX so that doesn't seem right, but I obliged. I've sent that same form multiple times ( over four times ). Each time I call about it I get a different reason why it hasn't been viewed, i.e. " we are still reviewing forms from XX date ( usually a date over 2 weeks prior ), and when we get to it -- it will then be 7-10 days until we can process. '' I was told last week that " it wasn't legible '' ( although I could clearly read it from the same email attachment ), and so I sent it again in a PDF form which they requested. Here we are yet again over 7 days later and no response, account still showing open online, and my funds have not been moved from the account. I'm a small business owner and I can not live, can not pay bills, can not pay clients with all my money tied up in Capital One Spark Business site. Right now I've been on hold since XXXX, and it's XXXX now. Still on hold. This is every time you call. And when you do get somebody on the line they have an excuse or another reason that it's going to take an additional 7-10 days to even get something reviewed. I can not wait any longer. I need to pay bills and my other account is now experiencing fees from overdrafts, negative experiences with clients that are not able to be paid, inability to keep trade services on which is how I run my day to day business, etc. So I'm out additional monies on top of the funds they are holding of my business and clients. I filed a complaint with the FDIC and they referred me to you. I'm just hoping someone will help me. I'm in an extremely bad situation and I don't know what recourse I have. Thank you. 

Sincerely
Consumer complaint received 2019-08-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect (NJ)

I have no collection or debt to anybody. I re open my XXXX XXXX account and I just saw these collection but I dont know what is that. We never felt on the debt and also before I dispute one more time one collection like this collection and they remove from my account. These 4 collection not related with my or one of my family Thanks XXXX
Consumer complaint received 2019-08-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Data Systems (NC)

I requested a debt validation in writing (609) letter to the collection Agency Financial Data Systems on XX/XX/XXXX Financial data systems failed to validate the date and they sent me 17 pages of my medical records/files dating back to XXXX. They have violated my civil rights under (HIPPA). I did not give Financial Data Systems permission to have copies of my private medical records nor did I sign a release form or a HIPPA release form to be released to a third party. The medical records that they sent me have private information on them as well as my health insurance information. I do not have a signed contract with Financial Data Systems and they have also sent these private medical records to all three credit bureaus. XXXX, XXXX and XXXX. The debt is $XXXX  dollars.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 XXXXXX/XX/year>
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

I pulled my credit report and noticed numerous amounts of collections under unknown addresses, I have never signed any contracts with these debt collectors or creditors to furnish any account on my consumer profile. Also, I have reached out to Equifax asking them to verify this debt or remove it from my credit profile in the dispute center in their website. Despite sending proof of identity and residence along with FTC report, I have yet to receive a response or removal of accounts connected to this report! This has became extremely stressful to know the credit bureaus would abuse their reporting rights in this way and cause me mental and financial stress!
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 XXXXXX/XX/XXXX
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

All I wanted was the documentation that was provided to the credit bureaus from the bankruptcy court giving them permission to place any public record in my credit report. The law states only the original creditor can report an account to a consumers credit report and not a 3rd party. These companies are also violating my consumer rights to privacy pursuant to 15 USC 1681b 2. These companies have no permission to report anything using my info pursuant to 15 USC 1681 4.The credit bureaus are admitting to using 3rd party information and that is considered fraudulent and against the law
Consumer complaint received 2024-08-08
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. ()

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-08-08
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. ()

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

In XX/XX/XXXXof this year I noticed that my loan was under the 78 % threshold to have the PMI removed from my loan. I spoke with PennyMac usa customer service and was informed that it was an automatic process and my account would be reviewed and as long as it was current the PMI would be removed at that time. On XX/XX/2019 after realizing that the removal had not occurred I contacted customer service again, this time informing them that my LTV was now at 67.60 %, significantly below the threshold. I was informed that I will need to get an appraisal to ensure that the home value has not diminished. I disagree that an appraisal should be required at this point. I have done many improvements and the value of my home has risen quite considerably. It seems that the language in the Homeowners Protection Act would protect me in this situation. In addition, when requesting specific information on PMI and the review date to remove it, the agent could not provide the info. The excuse was that all that information was on scanned copies of paperwork submitted in closing that were not labeled, and that it will take research to provide that information. I pointed the obvious conflict that if there was a scheduled review date then it should be recorded in the system. 
I would prefer the PMI be removed as soon as possible. 
Thank-you
Consumer complaint received 2024-10-29
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: EQUIFAX, INC. (NY)

Despite the multiple previous written requests, the unverified item listed below still remains 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 verifiedthat this item is being reported correctly? Who verified this item? 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 item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX according to TXXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I am urgently requesting your intervention to address Equifax repeated and willful negligence concerning inaccuracies on my credit report. On XX/XX/year> ; XX/XX/year> ; and XX/XX/year>, I contacted Equifaxboth through formal written communications and by phoneto unequivocally clarify that I have only one name and one address. Despite my ongoing efforts and rightful demand for accuracy, Equifax has blatantly ignored my requests, disregarding my rights to a fair and accurate report. 

Equifax actions demonstrate a clear pattern of disrespect and non-compliance, as they continue to provide inaccurate information that can significantly harm my financial standing. Their repeated failure to address these straightforward corrections violates my rights under the Fair Credit Reporting Act and constitutes an unacceptable breach of their responsibility. 

I am reaching out to the CFPB to hold Equifax accountable for their blatant disregard of my concerns and to ensure my rights are fully upheld.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

My name is XXXX and I am writing to formally address a serious violation of the Fair Credit Reporting Act ( FCRA ) concerning my recent dispute submitted regarding XXXX  XXXX - XXXX and my student loans accounts that are inaccurately reporting. 

On XX/XX/year>, I submitted a dispute concerning inaccuracies in the reporting of this account. According to the FCRA, when a consumer disputes information on their credit report, the credit bureau is required to investigate the dispute and notate that a dispute has been filed. However, I have reviewed my credit report and have found no indication that my dispute was acknowledged or investigated. i will be submitting both of my disputes the previous one from last month which nothing has been done and this one for this month. 

This lack of acknowledgment and investigation constitutes a clear violation of my rights under the FCRA. Specifically, Section 1681i of the FCRA mandates that credit reporting agencies must conduct a reasonable investigation when a dispute is made and properly mark the disputed item as such.

The failure to comply with these regulations has not only caused me distress but may also negatively impact my creditworthiness. I am requesting that you take immediate action to investigate the disputed account, correct the inaccuracies, and ensure that my dispute is properly noted in your records.
Consumer complaint received 2024-10-29
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: EQUIFAX, INC. (CA)

The unauthorized entries on my consumer report persist despite documented disputes. These fraudulent items resulted from identity theft and were never authorized by me. Your continued reporting of this information violates the Fair Credit Reporting Act and identity theft protection laws.