davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (RI)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2020-05-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX a dispute letter was sent to three various credit bureaus disputing an inadequacy which reported a single account as negative. Such an account was reported in a varying format, under a varying heading between all three credit bureaus. Federal law mandates that the account be reported exactly the same amongst all three credit bureaus, while simultaneously being proven as verified if asked by the consumer. I as the consumer have asked all three bureaus to correct his issue under my credit report approximately 30 days ago. I have yet to hear back in regards to this dispute. The following item in question that begs to be verified or removed is reported as follows : Account name : XXXX XXXX Type : N/A Status : Collection/Chargeoff Past due amount : {$3500.00} Reported : XX/XX/20192019
Consumer complaint received 2018-12-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NJ)

I, XXXX XXXX hereby claim that an upcoming foreclosure against my property located at XXXX XXXX XXXX, XXXX XXXX, NJ XXXX is illegal based on the merits of a recent decision known as XXXX  XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX from the Superior Court of New Jersey Appellate Division,  Docket No. XXXX. This decision is extraordinary on its own merits as it restricts foreclosures in the state of New Jersey if there is not evidence proving that the note and the mortgage are held by the same entity. As Judge XXXX XXXX XXXX XXXX said pertaining to previous decisions : It is difficult to imagine circumstances where one would want to hold a mortgage, without having the right to act on the underlying debt. By the same token, there is no technical reason why the interests could not be separated in one way or another. To simplify, the current mortgage servicing company Bayview Loan Servicing, nor the mortgage assignee The XXXX XXXX XXXX XXXX XXXX f/k/a XXXX XXXX XXXX XXXX XXXX, as Trustee for the Benefit of the certificate holders of XXXX , XXXX, XXXX XXXX XXXX XXXX Mortgage Pass-Through Certificates, Series XXXX v. XXXX XXXX XXXX, et al, Docket No. XXXX. The original mortgage was procured with XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX, XXXX, TX XXXX, recorded XX/XX/XXXX, and assigned to current mortgage holder by XXXX  XXXX XXXX XXXX , XXXX, as nominee for XXXX XXXX, XXXX. by electronic signature XXXX XXXX, Sr. Vice President on XX/XX/XXXX. The law firm doing the foreclosure, XXXX, XXXX XXXX XXXX, XXXX. File # XXXX has no official capacity at this point to move forward with a scheduled foreclosure date XX/XX/XXXX until this proof of all documentation is completed. The Federal Deposit Insurance Corporation has been notified of my claim as well as the New Jersey Division of Consumer Affairs. The foreclosure on my home will be illegal and should be ceased immediately until all proof has been established on rights to foreclose.
Consumer complaint received 2022-06-10
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. (GA)

On several occasions I requested that XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TN XXXX be removed from my credit report. By unlawfully applying interest charges that were not authorized, XXXX and XXXX XXXX XXXX, a debt collection agency, used ambiguous, misleading and abusive means to collect a debt. XXXX and XXXX XXXX XXXX, a debt collection agency Failed to name the original creditor as requested, Failure to provide date of original debt, first missed payment that led to the charge-off. When I contacted XXXX and XXXX XXXX XXXX, I was informed that the changes in debt amount was due to interest and fees. When I requested information on the original creditor from XXXX and XXXX XXXX XXXX, the only referred to the company as " client, never releasing specific information so I could validate and research the account. I made the credit reporting agencies aware of these unlawful reporting instead of removing XXXX and XXXX XXXX XXXX, from my credit report the agencies allowed to continuously harm me for years by updating the following information. After I pointed out lawsuit that XXXX and XXXX XXXX XXXX, loss due to these unlawful practices the Credit Reporting Agencies allowed XXXX and XXXX XXXX XXXX, to update the information and stated that the " account information disputed by consumer, meets FCRA requirements. '' I feel that no real independent investigation was performed by any of the credit reporting agencies. FCRA requires that all information reported be true and up to date. Below is just some of the information that causes me further harm. 
XXXX XXXX  XXXX Reported : XX/XX/XXXX {$1200.00} XXXX XXXX  XXXX Reported : XXXX XXXX, XXXX {$1400.00} XXXX XXXX  XXXX Reported : XXXX XXXX, XXXX {$1400.00} XXXX AND XXXX Reported : XXXX. XXXX, XXXX {$1300.00} XXXX XXXX  XXXX Reported : XXXX. XXXX, XXXX {$1300.00} XXXX XXXX  XXXX Reported : XXXX XXXX, XXXX {$1200.00} XXXX XXXX  XXXX is in violation of the following VIOLATIONS OF THE FAIR DEBT COLLECTION PRACTICES ACT 15 U.S.C. 1692e Falsely representing that they were entitled to charge an amount they were not entitled to in violation of 1692e ( 2 ) ; Threatening to charge a fee in which they were not legally entitled to charge in violation of 1692e ( 5 ) ; Making a false and misleading representation in violation of 1692e ( 10 ).

Pursuant to 15 U.S.C. 1692f, a debt collector may not use any unfair or unconscionable means to collect or attempt to collect any debt.

Defendant 's debt collection efforts attempted and/or directed towards the Plaintiff violated various provisions of the FDCPA, including but not limited to 15 U.S.C. 1692e I pray that the Consumer Financial Protection Bureau will assist me in obtaining relief and also that XXXX XXXX XXXX is removed from all Credit Reporting Agencies immediately
Consumer complaint received 2018-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I opened a credit card with XXXX XXXX XXXX in order to establish credit. After using it and paying it off for a few months my credit was in a good spot and I was able to open a credit card with my regular bank. I no longer used my XXXX XXXX credit card and did not think much of it. 

When I got orders to XXXX I was attempting to get a home loan so I could purchase a home and was told that I was declined due to late payments on a XXXX XXXX credit card. I looked into the account and found out I had been charged an " Annual '' fee monthly from XX/XX/2018 through XX/XX/2018. I was then charged interest and late fees on these " Annual '' ( Monthly ) fees. I had not been charged anything XXXX through XXXX, nor had I used my card since XXXX or XXXX. 

I contacted the company and after much difficulty and back and forth they finally agreed to remove all charges and re-report it to the credit bureau. I have statements showing that they credited back my account and I owe XXXX dollars and also closed my account. However, they still reported me as having a late payment in XXXX. I contacted the company again today and instead of being helpful, they gave me the runaround, told me there was nothing they could do and I could contact the CFPB. 

I believe this is an extremely shady business practice. After someone stops using the card for about six months and can be reasonably assumed to not be paying too much attention to it they start charging people monthly and tacking interest and late fees onto these payments. When I got in there I owed almost {$100.00} on a credit card I had not used in six months. When I spoke to them they were very difficult and were fighting me tooth and nail to not remove these fees. They would continually tell me " Oh I can only remove one late fee, '' and then I would be persistent and all of a sudden they can remove two late fees and one of those " Monthly/Annual '' fees. I had a 15 minute back and forth with someone with what the definition of the word " Annual '' means. When I was finally put through to a supervisor they agreed to clear everything within about two minutes, which tells me this is the business practice ; Try to get people to pay them anything they can get on credit cards they are not even using. 

I am a member of the armed services and this is affecting my ability to get approved for a mortgage which means I am going to have to either eat the cost of a temporary living situation until this gets resolved or go a different direction. 

I could not more highly recommend to anyone to steer clear of XXXX XXXX XXXX.
Consumer complaint received 2018-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation! I contaced the company they said they never spoke nor heard from any credit reporting agencies. This lets me know that there was no proper investigation, it was electronic if anything at all, and they nothing was done on my behalf. Please remove this account, as you can see on my report i have no derogatory marks, i take my finances serious, and this alleged medical debt has ruined my credit, and put a delay on me closing on a home. Fix this issue please.
Consumer complaint received 2024-10-09
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. (MI)

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , 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 on XX/XX/XXXX under the account number ( XXXX ), XXXX on XX/XX/XXXX under the account number ( XXXX ), an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal loan account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), and several collections account opened at XXXX on XX/XX/XXXX with a balance of $ ( {$4800.00} ), Spring on XX/XX/XXXX with a balance of ( {$3300.00} ), The bank of Missouri on XX/XX/XXXX with a balance of ( {$1200.00} ), XXXX XXXX XXXX with a balance of ( {$3300.00} ), that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. 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 # ( private case number ) 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. 

Fraudulent Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-10-09
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: Experian Information Solutions Inc. (TX)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/year>, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance Owed : {$31000.00} XXXX XXXX Balance Owed : {$30000.00} XXXX  XXXX Balance Owed : {$30000.00}
Consumer complaint received 2024-10-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (GA)

I was put on income base loan payment for years at XXXX not knowing I could pay as little as XXXX a month to reduce the loan amount over the years. I was XXXX of the many Navient customers
Consumer complaint received 2020-11-12
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. (GA)

Here we go again. Every XXXX months my credit file is incorrect, wrong, and screwed-up. Equifax permits it and they are complicit with the reporting company. It is fraudulent and unfair. I am really tired of filing complaints against Equifax. They keep putting someone else or a family member 's address on my credit file. XXXX XXXX XXXX XXXX, Georgia XXXX ISN'T my ADDRESS. They keep putting XXXX XXXX. fraudulent debt on my credit file. It ISN'T fair! It caused me a XXXX. mortgage loan. It ISN'T unfair! Equifax will not let me breathe and they stubbornly refuse to take their knees off my neck. I have sent my proof of identity to them several times. I am getting XXXX by Equifax in broad daylight. Please help. Sadly, I am paying monthly service for XXXX, and Equifax.com. I am XXXX. PLEASE HELP ME REMOVE XXXX XXXX. OFF MY CREDIT FILE.
Consumer complaint received 2020-08-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC (AZ)

Complaint is in regards to reported medical collection being reported to all 3 credit bureaus. 



Collection Account : Capital Accounts LLC Opened : XX/XX/XXXX Last Updated : XX/XX/XXXX Amount : {$400.00} Under the Fair Debt Collection Practices Act, I have disputed and requested validation from all 3 credit bureaus regarding the alleged debt on multiple occasions. XXXX   deleted the account as validation of the debt was unavailable. The collection remains on my report with the other 2 lenders and continue to be verified as accurate despite request that proof of verification of debt be provided to myself. Another certified letter was sent to both XXXX   and XXXX on XX/XX/XXXX regarding the matter, again disputing the information. On XX/XX/XXXX I contacted the debt collector of the alleged debt ( Capital Accounts LLC ) to obtain information regarding original creditor and validation of alleged debt. Information was with held from me as I was told the could only tell me the doctors name and amount owed.They did not tell me the clinic of the provider, or number to reach them at. I requested validation of debt and was told it would be requested from the original creditor to provide to myself. How are they verifying this debt if they have never received anything but the amount they claim I owe? I was told they would send me information regarding the visit Such as procedure completed and breakdown of charges in 1-5 business days. It has been 7 business days since and I again have not gotten proof of verification of this debt that continues to be verified with each dispute. As a medical collection, this is a violation as I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for Capital Accounts LLC to obtain my medical information. 

This account was deemed as unverifiable by XXXX when previously disputed. Please DELETE this medical Collection from my credit report as is not mine, has not been verified on multiple occasions as requested, and is a direct violation of HIPAA.
Consumer complaint received 2024-10-04
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. (PA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-12-05
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: CITIBANK, N.A. (NC)

- THD/CBNA on XXXX sent inquiry for personal loan that I dont recognize. 

- Original creditor information not available but I have a collection account that was opened on XX/XX/2022 in the amount of {$580.00} that I do not know where it came from. The only other information I have is the account number : XXXX
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I recently ordered my consumer credit file from XXXX, XXXX and Equifax and notice these late payments with XXXX XXXX XXXX  # XXXX. I am requesting all be removed from my file this finding has caused stress, my credit utilization to increase which ultimately has caused a low credit score and credit denials along with higher interest rates. 


15 USC 1666 Does not include Late Payments. Please remember 15 USC 1681 ( b ), & 15 USC 6802. I have a right to privacy and I never gave any of the credit reporting agencies permission to furnish a report on you in the first place. 

The line of credit that I have with your company, which is characterized as utilization on my consumer report. Your company is illegally reporting this experience i.e. my utilization. On my credit report. Your company is in clear violation of the law pursuant to 15 USC section 1681 2 ( a ) ( i ) -exclusions except as provided in paragraph three, consumer report does not include a subject to section 1681S - 3 -of this title any ( i ) Report containing information solely as two transactions are experiences between the consumer and the person making the report. The law clearly states transactions or experience between the consumer which is myself and you the comp corporation making the report are not included on my consumer report. Utilization is an experience with the line of credit that was extended between the Consumer and me the person. Congress clearly states that the reporting transactions are experience between the consumer and the person making the report is not to be included on internal reports. My privacy rights has been violated and I have been denied credit due to your reporting of late payments and utilization.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MA)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balanced {$1.00} XXXX XXXX XXXX Balanced {$840.00} - XXXX XXXX Balanced {$0.00}
Consumer complaint received 2024-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (OH)

I requested a loan from CitiBank. They added interest to the loan before I cashed the check or received the check. I told them I did not want the loan because of this. They put it on my credit report as I got the loan and they had to write it off. 
I never cashed a check from CitiBank. I told them repeatedly I did not want the loan because they had added interest to the loan before I got the check The check was {$10000.00}. 

The date was approx XXXX