davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-30
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (MI)

I had a modification and I signed in XX/XX/XXXX. I had made a complaint before that they were reporting me late and they had put a note on my mortgage. When I spoke with them on a recorded line, In XX/XX/XXXX, the lady said it would in no way effect my report. I called the mortgage company. Nationstar Mortgage dba Mr. Cooper and they listened to the tapes and confirmed she said this and they would put it in dispute with the credit reporting department and they refused to remove it. I made a complaint to you, CFPB and it was removed finally. 
Now they have put the note back on the credit report and they have not reported my mortgage as paid on time for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I feel like they are doing this to harm my credit. 

When I first started the modification they said I couldn't get it because I wasn't behind on my bills. But they did offer to do a refinance for me. They wouldn't even transfer me to the modification department. I finally got through to them and they said I wasn't a candidate. I had to call Hud department and they helped. Even during this process they kept saying they didn't get my paperwork and would deny me. XXXX from Hud had to send in the paperwork for them to acknowledge it. Finally I got it and I haven't been late. I was never late I was just in " imminent danger '' of going into foreclosure an that is how I got the mortgage. 

I am asking the remove the negative comment and they start reporting all my payments every month in the past and continuing in the future. I know they report but they are doing this as a punishment. It does effect my score because it would help my credit if they reported it.
Consumer complaint received 2019-05-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (MA)

This company claims that I have a balance of {$240.00} with them, I don't know who they are or what it is that this company does. I searched online for some information on them and it says that they collect debts. I sent a letter to the credit bureau ( XXXX  ) asking them to validate this debt because I do not recognize where this debt came from and all that this company sent me is a copy of my credit report saying that the debt was verified as accurate. I asked for documents that would show an original contract with my signature or something that binds me to this debt but up to this day I have not received anything like that from them. This company placed this debt on my credit report as in collections and it is affecting my credit worthiness really bad. I know that by law they have to provide me with a contract that has my signature on it. On my credit report it shows charter communications as the original creditor but I never had an account or a contract with them. I want this debt validated and I also want the original contract with my signature on it sent to me by XXXX mail, if there is an agreement to pay between me and this company I also want to see the original document. This account has also been re aged which is also a violation of the FCRA.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting XXXX XXXX  correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of 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. if you are unable to provide me a copy of verifiable proof within XXXX days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt XXXX. 
I never sat across a table from any of the alleged creditors and debt XXXX and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under XXXX XXXX XXXX XXXX XXXX  :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Consumer complaint received 2020-05-04
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/XXXX I attempted to pay off my auto loan with Chase. Chase does not allow you to use your linked bank account to make the final payment, and when I typed the number manually I accidentally left a single digit out of the account number. 

Chase failed to catch the error and instead is attempting to process the payment. Starting on XX/XX/XXXX, when I realized my mistake, I have called chase 8-times to make them aware of the issue. I have also sent multiple messages in their secure message center, requesting for the payment to be canceled so that I can process a correct payment. I was told not to worry, that the problem would sort itself out and that I would not be assessed additional interest or penalties, which is proving to be anything but true. I was also told the payment would bounce back in 2, then 5, and then eventually 10 business days, before being told today ( XX/XX/2020 ) that the payment will be outstanding until XXXX ( my bank ) rejects the payment. I have called XXXX to inquire about this process, and they informed me that they do not send rejections for incorrect account numbers. Furthermore, they searched their system for the payment amount that would have been requested from the incorrect account, and discovered that Chase has not sent a single request for the payment. I let Chase know this, but their representatives still refuse to accept any responsibility to flagging the payment. They are saying it is out of Chase 's hands, unless XXXX contacts them. 

Furthermore, I was informed that Chase has already sent the title, despite the payment not processing. Now, if the issue every gets flagged, they will need me to send the title back and go through the process of reopening the account. Keep in mind it could be months or years before Chase is able to resolve this. All the while, I will be incurring interest and penalties to the detriment of my credit score and long term financial health.
Consumer complaint received 2019-05-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (CA)

Received collection notification from XXXX XXXX. I asked fro writtne proof of my obligation, never provided. Have filed multiple disputes through XXXX to no avail. From what I can tell according to my Credit Report, the charge is for Sycrony Bank / Paypal. Again, I have no dpocumentation supporting my obligation. 

I am a responsible borrower. I pay my debts. When I am charged for something I have no knowledge of, I expect to receive cooperation. To-date, I have been unsuccessful.
Consumer complaint received 2019-09-12
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. (CO)

XXXX is reporting incorrectly to Equifax ; XXXX  and XXXX a collection in the amount of {$900.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid and should be reporting a {$0.00} balance. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this item however, I have not been successful.
Consumer complaint received 2024-09-11
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)

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). 

And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of 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. 

and according to XXXX XXXX XXXX they are suppose to 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 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My name is XXXX XXXX the last XXXX of my ssn is XXXX. My date of birth is XXXX XXXX XXXXXX/XX/year>. This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that TransUnion, XXXX and XXXX credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-11-08
Product: Credit reporting 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)

I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S.C. 1681i - Procedures in case of disputed accuracy, and 15 U.S.C. 1681e ( b ) - Compliance procedures to ensure maximum possible accuracy of the information. I recently reviewed my credit report and would like to ensure that all the information is 100 % correct and accurate. 

Below are the accounts I am requesting to be reinvestigated : Account Name : XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX Specific Issue : " I noticed a discrepancy in the Account Type for this collection account across the credit reporting agencies. ''
Consumer complaint received 2024-09-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Lockhart, Morris & Montgomery Inc. (MI)

I have a debt that has now been listed on my credit as unpaid but I never received any correspondence about this debt. I have always had medical insurance to cover any medical expenses. My insurance shouldve covered any medical expenses. If I wouldve received communication about this, it couldve been rectified prior to it being reported on my credit.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I informed the credit reporting agencies and companies that I have unauthorized inquiries on my reports that I need removed. They failed to remove unauthorized inquiries from my credit report, by saying that they are unable too. I also indicated potential identity theft. As a precautionary measure, I placed a security freeze on all my accounts to prevent further unauthorized access. The companies still failed to remove these items and/or conduct an investigation with no explanation on why. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-05-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Io, Inc. (MD)

In XXXX of 2017 I visited an urgent care facility for a very abrupt illness. My insurance paid a drastically lower amount to the facility. In the explanation of benefits it states that I can not be charged the difference. The ending balance statement says beneficiary responsibility is {$0.00}. I spoke with the medical facility and they stated they already sold the debt and they could not do anything. I spoke to the collection agency that ignored me and asked for a payment plan. All credit agencies successfully disputed the claim except for XXXX. XXXX has told me repeatedly that the collection agency said I owe them and that was all they could do. I have sent the Explanation of Benefits to all parties involved a total of 4 times in the last 365 days and roughly 6 times the two years prior.
Consumer complaint received 2022-08-12
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. Also, the name and address below listed on my credit report are not nor have ever been an address in which I resided and do not relate to me. It is the result of identity theft. I have contacted Equifax XXXX and XXXX many times to have a solution to their inquiry issue and they have refused to remove or respond to my letters in the time frame given.
Consumer complaint received 2020-07-24
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: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX Never lived there That reason can't be processed online. 
This Address was reported to XXXX  by XXXX and 3 other companies. Please contact the company to verify that they have your correct address. Once the new information is reported to XXXX, you will be able to submit your dispute online. For further questions, you may contact us at XXXX. 
XXXX Address ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX  XXXX   XXXX  XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX # XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX   XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, AZ XXXX MULTIFAMILY potentially negative icon Potentially Negative StatusClosed. {$15000.00} written off. 
Account TypeUnsecured Balance- Date OpenedXXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$7500.00} written off. {$7400.00} past due as of XX/XX/XXXX. 
Account TypeUnsecured Balance {$7400.00} Account Name XXXX XXXX / XXXX Account Number XXXX Account Type FHA Mortgage Responsibility Joint with XXXX XXXX Date Opened XX/XX/XXXX Status Paid, Closed. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Original Balance {$240000.00} Highest Balance {$0.00} Terms 30 Years
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Recently, I did an investigation on my credit report and found several items on 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 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ XXXX ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of 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 : 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 2021-06-03
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: Nelnet, Inc. (LA)

I entered a consumer credit transaction with US DEPT OF ED/GLELSI and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which is false Pursuant to federal law. They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that US DEPT OF ED/GLELSI claim I owe. US DEPT OF ED/GLELSI has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.
Consumer complaint received 2020-07-20
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: FORD MOTOR CREDIT CO. (GA)

My credit report shows 8 late payments after i checked my most recent report. I contacted the company to ask for verification of the late payments stated on my report but i have not received a response in regards to my disputes.
Consumer complaint received 2024-09-03
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (IL)

The bank that issues this card has decreased my limit 2 times now when it gets within a XXXX  XXXX dollars of it's limit. I have never been late nor have I ever gone over the limit but this last time they decreased it it was In conjuction with a payment causing me to go over the limit and making my credit score jump XXXX points. They knew the high fees that they charge would aid in going over the limit. As I stated already I always pay my bills regardless of what my current balance is which is never over it's limit. I have another card with them that was paid off through insurance that I keep on any of my accounts in case I lose my job or injured etc. But I lost my job about 3 years ago which was out of my control and that card got paid off and I was told by insurance company that they disputed it. Just seems odd this bank is only card issuer I've run into yet that decreases ones limit no matter if one pays there bill on time.