davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-28
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. (FL)

Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DOB : XX/XX/XXXX Last XXXX of XXXX : XXXX Date : XX/XX/XXXX Bureau Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Recently, I did an investigation on my credit report and found several items in there to be inaccurate Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 USC Code 1681i ( 5 ) Treatment o inaccurate or unverifiable information ( A ). In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer. an item or the information is found to be inaccurate or incomplete or can not by verified, the consumer reporting agency shall- ) promptly delete that item of information from the file of the consumer. or modify that item of information, as appropriate, based on the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : Personal Information : XXXX. XXXX XXXX XXXX - The personal information is incorrect -please remove this from my credit report immediately Accounts : XXXX. ( XXXX XXXX  ) /XXXX  XXXX XXXX XXXX XXXX This account is being reported inaccurately.
Consumer complaint received 2020-10-08
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. (GA)

I challenged the validity of a Bankruptcy that's being reported on my most recent credit report. Upon Challenging this, XXXX ( credit Bureau ) deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as a result of challenging this account with XXXX  and Equifax they have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information they used to verify this account in writing. If such documents can not be produced I request them to please DELETE this account from my credit report immediately.
Consumer complaint received 2020-10-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I am currently on the forebearance plan right now and keeping informing XXXX for the last 6 months that my balance keeps going up by a massive amount on all 3 credit reports dropping my score by 100 points. I provided the information to them was told someone was going to get back with me about the issue with the balance increasing every month mine and wife credit report. I am also missing data on the reports were it is not showing current status as part of the Covid 19 relief bill. I made several attempts to file dispute with equifax,  XXXX, XXXX, and XXXX XXXX nothing been done to update the the balance investigation why data is not updating properly and balances. I called several times to XXXX XXXX the reps have a attitude and never get anything resolved.I mailed the documents to equifax on XX/XX/2020. 
If I dont get the information I am pursuing a civil lawsuit. 
Also equifax needs to update my name to XXXX XXXX XXXX not XXXX.
Consumer complaint received 2016-12-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (WV)

After the recent news from Wells Fargo I decided to contact them about my experience. I was XXXX, looking for a simple account to put money in from an after school job. Some how I ended up with XXXX bank accounts and a credit card. I did not want these additional services and incurred additional fees because of this. I do not believe I should have ever qualified for a credit card, especially with the limit I had. I was told on the phone with Wells Fargo that unless I was contacted then I was n't part of the affected group. They additionally told me that I would be receiving a letter in the mail to follow up which I never received. The phone representatives acted like they had no clue about what I was calling about and like this was the first time they had heard about this.
Consumer complaint received 2016-07-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (NJ)

Diversified consultants is reporting they harmful listing on my credit reports for a debt I do not owe. I disputed the debt with the credit bureau but they still still are reporting a debt that I know nothing of. I also realize that the debt they are reporting has not been validated and that it is a violation of the FDCPA and FCRA to collect and report debt that has not been validated. They have not and can not provide a contract signed by me taking ownership of the said debt or itemized bill showing how the charges came about. I will not pay these people that I do n't even know for a debt I do n't even owe
Consumer complaint received 2020-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (FL)

Description of the charge sent to the credit card bank : I book a guide tour on XX/XX/2020 for my trip that will be on XX/XX/2020. Why I book a guide tour 6 months before my trip? Because XXXX XXXX offered me one Early Booking price with free cancelation 100 % refundable if I canceled 30 days before my trip. Thats what the publicity said in  XXXX and also when they send to me an Online secure payment link to make a payment It was clear in their link that was 100 % refundable if I cancel 30 days before the scheduled trip. This supposed to be my # 4th trip to XXXX so I would never book something that early in time if I wasnt sure they have a refundable policy free of charge. What I didnt know is that this people were experts in scam thats why when I printed my confirmation papers nowhere was on writing the cancelation policy but in the link for payment it was a big announce that make me comfortable to make a payment with their 100 % cancelation. As you can see in my confirmation papers nowhere appear anything about cancelation policy and now I know why they did not include the policy because now I do not have anything printed and they just changed their link. I think many people like me with the pandemic canceled their trip not because they  wanted but because the pandemic and now they just change their policy in their website saying it is not refundable but in XXXX it was. I did not take a picture or something else as a proof because I never thought they will do this scam. I should be granted the refund because my purchase was refundable at that time I booked, otherwise I would never paid for a guide tour 6 months before if I can get a guide tour one or two days in advance or even the same day. they could change their policy now so they can steal from their customers or have made two policies one for new customers and one to show to banks or people  who is requesting the refund. I booked with them because I was assured that if anything changes in my plans it would be easy to cancel Thats why I decided to book this guide tour. 
As a proof of what I am saying is truth I am sending copy of the emails I exchange with the agency when I contacted them to request the refund. To be easy for you to understand the sequence I Put a number 1 thought 10 so you can see the sequence of our email communication. As you can see on email # 5 on XX/XX/XXXX I am taking about the cancellation policy before I knew it was a cancelation 100 % refundable in my favor when I booked with them on XXXX. When they answer my emails they never told me it was not refundable because they knew it was not true. Evre tour company only gave the non-refundable excuse to the credit card company to have a justification for robbing me but what they said is not true and my bank should try to protect its customers from these unscrupulous XXXX scam companies. 
Thank you
Consumer complaint received 2016-05-16
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MI)

Ocwen Servicing LLC is attempting to steal my home. my name is XXXX XXXX XXXX,. They filed an assignment to XXXX BY NOMINEE on my home @ XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX using Document XXXX filed XXXX. 

I have been paying Ocwen since XXXX and Ive come to find out that they do not have a valid assignment, a right to payment, they have committed farud by unsing my personal information without authority. I have not entered into any valid agreement with OCWEN not its bank XXXX trustee for Popular XXXX or XXXX. I have since rescinded my signature.
Consumer complaint received 2024-10-27
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)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX  XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Consumer complaint received 2020-10-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: KEYCORP (WA)

On XX/XX/2020 I closed my account with KeyBank due to their deceptive, unfair, and abusive acts and practices. Despite my account closure, I continue to receive account servicing notices from the bank. In the notices, I have no option to opt out of their communications. While they are account servicing notifications, and not marketing materials ( which would require opt out ), I DO NOT wish to continue to receive any communications from KeyBank. I would like to be put on their opt out lists for all communications, and have their internal controls ensure that they are not sending notifications to non-customers. Can the CFPB please help to enforce regulatory action against this bank, that continues to violate internal procedures and external laws and regulations?
Consumer complaint received 2024-10-27
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. (IL)

This account was opened on XX/XX/XXXX, was charged off and closed on XX/XX/XXXX. The account is NOT in COLLECTION. By the result of your last investigation Equifax verified that XXXX continued to make Collection on this account after the Charge Off. The date of last payment being XX/XX/XXXX. I request to see the Legal authorization by which XXXX functions as a Collector. I also request to see the Legal authorization of XXXX to engage in Double-dipping. This illegal and unethical practice has violated my consumer rights.
Consumer complaint received 2024-09-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

I am aware that Navient/ XXXX XXXX have been sued by the government. I would like to let you know my experience with these 2 companies. I took out Private student loans for my 2 daughters starting in XXXX. There were 4 loans total, totaling {$59000.00}. The last disbursement was XX/XX/XXXX. I have been paying these 4 loans nearly 20 years now. I have {$24000.00} to go. On these loans, I have or will pay over {$37000.00} in interest alone. 

During these years of dealing with both companies, they have applied payments to the wrong account, received payment and not applied it, and then contacting me of my account being late. Example, last week I had a payment I submitted online 4 days before the due date. I got a call at work, which I did not appreciate. They told me that they had not received my payment, and I am late and need to make it now. I informed them I did make the payment, and did not appreciate them calling me at work. The next day, I called Navient, and they confirmed that they had received it, and had not applied it yet as they can hold onto it for 10 days. 

Even though they have been sued, it appears that they are still performing the methods. 

XXXX XXXX was even worse. To the point of exasperation at times. In the last almost 20 years they put my loans into Capitalized interest payments only 11 times. Yes, this has drawn out the amount of time I have spent paying these off. However, I thought it a good alternative at the time since it would give me a break in my monthly payments even for a short time. 

I have considered if there are any other options, such as, I have paid the original cost of the loan plus interest in full, can I get some sort of reprieve. But according to what I have read, none of that applies to Private Student Loans. 

I am XXXX years old and still working, in part because of these loans.
Consumer complaint received 2024-09-24
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Navient Solutions, LLC. (TN)

Loans with Navient was placed on deferment till I turn XXXX years old and interest is still occurring. Previously they invalidly combined my parent power loans with my other loans, limiting my abilities to qualify for any payment options. The parent power with XXXX was supposed to be forgiven due to fraud and school being shut down. When addressed as to why I was not able to have other repayment options, their way of addressing the situation was placing my loans into deferment. I was not informed by Navient via letter or email, but received notification via from Department of Education. I attended XXXX XXXX of XXXX, TN, XXXX University XXXX XXXX, NJ, XXXX XXXX University XXXX XXXX, AZ. Each school if not shut down due to fraud, mislead the education as I have not benefited nor have I been the opportunity to work within any of their fields, then to top it off Navient mislead and fraudulently messed up my student loans account, as which I am seeking ramification to have them all forgiven. There acts have added to my XXXX, XXXX  and XXXX XXXX.
Consumer complaint received 2024-10-27
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)

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by human trafficking. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me.
Consumer complaint received 2024-10-27
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. (DE)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, DE XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Subject : Request for Method of Verification and Continued Dispute of Charge-Off Account # XXXX To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the account # [ Account Number ]. I previously sent a dispute letter requesting the removal of this charge-off based on the 1099-C form I received, which indicates that the debt was canceled. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off. 
2. The name and contact information of the person or entity that provided the verification. 
3. Copies of any documents or records used in the reinvestigation process. 
The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ). 
Please provide me with the requested information and update my credit report accordingly. I expect a response within the 30-day period allowed by law. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX DOB XXXX SS XXXX I would like to order a Full and Complete Copy of my XXXX XXXX, XXXX analyst Full report, and a full copy of my MIB report. I am having issues with unknown addresses and information that keeps reappearing on my file or incorrect information the is reoccurring that is reporting from various/different databases. I would like an up-to-date copy for my own personal review. This will allow me the opportunity to address any errors and make the needed adjustments.
Consumer complaint received 2020-10-08
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. (TN)

I have ask XXXX and Equifax to remove these accounts that do not belong to me many times they have yet to do so no proof of these accounts have been presented they are refusing to follow the rules of the FCRA.
Consumer complaint received 2024-10-27
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. (NY)

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 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 report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX