davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (MN)

I made an attempt to dispute this matter in XX/XX/ by requesting verification of this debt and proof of how the debt was validated. There was a failure to provide the requested information, as well as a refusal to delete the debt and stop reporting. They are continuing to report, and have not provided adequate proof that would legally rationalize the publishing of this information on my consumer reports.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (MD)

XXXX XXXX has the following amounts on my account as Charge-Off accounts {$19000.00}, {$5300.00}, {$8900.00}, {$36000.00} and {$10000.00}. This information is false all charge off accounts are filed with the IRS 1099 C as income not debt. Income does is not included on a consumer report. Also sharing any personal information and transactions without written consent from me the consumer is a violation of my rights unless the information is shared through an affiliate. XXXX, XXXX and XXXX are not affiliated. 15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I XXXX XXXX XXXX, am writing in regards to complaints on wrong information on my consumer report. 
The following addresses are inaccurate and not my current or correct address : XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, FL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX. The following inquiries are on my consumer report that were not applied for by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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)

Name : XXXX XXXX DOB : XX/XX/XXXX Last 4 SS : XXXX Date : XX/XX/XXXX XXXX Name : XXXXXXXX XXXX Recently I did an investigation on my credit report and found several items on them to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of reporting Whenever This section mandates that consumer reporting agencies implement sensible procedures to fulfill commercial needs for consumer credit, personnel, insurance, and other information. It emphasizes that these procedures must be just and fair to consumers, particularly in terms of maintaining the confidentiality, accuracy, relevance, and appropriate use of such information, in line with the stipulations of this subchapter. Essentially, it's about balancing business requirements with the rights and protections of consumers. 


Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccuracy or unvariable information in general if any reinvestigation This section mandates that consumer reporting agencies implement sensible procedures to fulfill commercial needs for consumer credit, personnel, insurance, and other information. It emphasizes that these procedures must be just and fair to consumers, particularly in terms of maintaining the confidentiality, accuracy, relevance, and appropriate use of such information, in line with the stipulations of this subchapter. Essentially, it's aovut balancing business requirements with the rights and protections of consumers. 

Please remove these items from my credit report immedtiately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX Subject : Information is Incorrect and Did not sign a contract with this company. Please remove this immediately.
Consumer complaint received 2023-08-14
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. (FL)

When I reviewed again my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-14
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. (FL)

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-11
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: Experian Information Solutions Inc. (NY)

I have a fraudulent accounts on my credit report, which I reported to XXXX XXXX and XXXX XXXX, yet they are not removing these fraudulent accounts. They have no right to refuse to remove these fraudulent accounts because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet they refused to do this. The following is the fraudulent account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-01-04
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)

I have not received my confirmation on how you verified the alleged accounts in Exhibit C and therefore request that you consider this final notice to your offices. Past this point the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of me trying to rectify the subterfuge you are reporting. ****(copied from the affidavit attached)*****
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: American First Finance, Inc. (TN)

AMER FST FIN LOST DURING COVID ACCOUNT SHOULD BE REMOVED I DON'T OWE THIS ACCOUNT CHARGED OFF BECAUSE OF COVID UNABLE TO PAY UNABLE TO RESOLVE
Consumer complaint received 2023-08-24
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-11
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: Experian Information Solutions Inc. (MS)

In accordance with the fair credit Reporting act XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-08-11
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: LEXISNEXIS (GA)

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 2023-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (NY)

I tried getting a Chase XXXX credit card several times I was turned down even though I had a excellent credit rating and earn over {$500000.00} income a year I believe I am being discriminated because of my age When I applied the first time, chase told me over the phone apply in a few months I did and was turned down Here is there ref # the last time I was turned down # XXXX
Consumer complaint received 2019-01-03
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I was in my local laundromat, when an XXXX guy came to me and started conversing with me. Please note that, its been only 3 months, since I have been to this country. So after a bit of conversing, he told me that his bank account in XXXX  was frozen and he needed help with his bank, so that he can avoid the overdraft fee. He said he'll give me a check and take cash on its behalf. That's my biggest fault, I trusted him because my experience in US was pretty good so far. People were really warming and helping to me, so I thought, I should return the favor. We walked to the ATM and he put in a check for XXXX $ out of which I got XXXX $ in my account then and there. He then proceeded to make a withdrawal of XXXX , saying that 'I 'm leaving some for you, because we should be looking for one and another. '' The money order, which was from XXXX XXXX, still showed processing. So the guy gave me his phone number. After we parted our ways, I was still very worried and I tried XXXX for situations similar to the one, I was in. Surprisingly I did find a similar kind of a scam. So I ran back to the bank, they told me that, since the withdrawal was done in my presence, I was to be held responsible and that I should go to the police. I did that. The cops said that they'll lodge a complaint once the check shows up as a bad check. 
Next day to my surprise, the check did get cleared. That gave me some hope. I got the money in my account. I was still worried so, I took all the money and transferred it to my friends bank ( left only XXXX $ in my account ) Five days later, the check got a hold and my account was at -XXXX $ including an overdraft fee. The police lodged a complaint and told me that if I give the record to the bank, they'll give me a refund. 
After submitting the police report the bank told me there's nothing they can do because the money I gave was done on my presence so I have to communicate with the party I gave the money to. The scammer isn't going to contact me, is he? The police said, all I could do is go to the court and contest. 
I am an international student, with a huge student debt, I know i was indeed clumsy, but isn't there anyway to help me with this? At all?
Consumer complaint received 2023-08-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (MA)

On XX/XX/2023 my mortgage company Cardinal Financial approved a forebearance agreement for the months of XXXX, XXXX and XX/XX/2023 and my payments would resume XX/XX/2023. I was informed by the Loss Mitigation team I would not have to update any of my autopay information as the payments were suspended on their end, therefor no payments would come out. On XX/XX/2023 I received a letter that they received the authorization to change the date they use to draft my regular monthly payment. On XX/XX/2023 my mortgage payment did in fact come out. We have a written agreement that I did not have to make payments for XXXX. I did not authorize Cardinal to take my payment and as of XX/XX/2023 I have still yet to receive. I have been calling Cardinal Loss Mitigation for more than 2 months trying to get this resolved and refund me my money. Every time I call I get different information or promises I have a refund in the mail. I have called almost weekly for updates and continue to get false information. Our written agreement states I do not have to pay for XXXX, I did not authorize this payment. I want my refund. They did not uphold this forbearance only causing me more stress.
Consumer complaint received 2023-08-24
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-08-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc. (NY)

Im in the military and I told them that I would like to close out my account in membership and they refuse to close out my membership and close out my loan I offered to pay the difference. They already have {$400.00} in reserves the balance currently XXXX XXXX
Consumer complaint received 2023-08-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

Mortgage began XX/XX/XXXX serviced by Nationstar Mortgage d/b/a Mr. Cooper. 
Beginning XXXX the company began calling customers on or around the XXXX of each month. When the call is answered a recorded male voice announces in a very strident, almost threatening voice that this is Mr. Cooper and we are a collection agency. He continues with words to the effect that they are out to collect on a debt and offer ways to make payment immediately, including by check and we will wait until you get your checkbook. Other options are given, the last being, speak to a representative. 
The representative requires the usual of Name, Address, Zip, and last-4 SS #. She says that this is a courtesy reminder that our mortgage payment is due by XXXX. 
For the first few months I ignored the calls until XX/XX/XXXX, and was confused and offended why this company was representing themselves as a debt collector which usually means I am in arrears. I have never been late with payment to them. I told her that I didnt appreciate the tone of the recorded portion of the call and that since I had not ever been late that I didnt want or need a reminder. She promised that she would take care of it. 
Today XX/XX/XXXX they called again. 

Since my first mortgage in XXXX I have never had a company send a monthly reminder about the next payment. I have been late by a few days a minuscule number of times and only then was contacted by the company and paid the penalty. 
It is sad to think that, for this company, the majority of their mortgagees are delinquent and need to be threatened by a collection agency in order get their payments.
Consumer complaint received 2023-08-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (NC)

I received a letter from Convergent Outsourcing, INC dated for XXXX XXXX, The letter stated they were trying to collect an alleged debt originally from XXXX in the amount of {$400.00}. I have never had an account with XXXX, I asked Convergent Outsourcing, INC to validation the date. I sent letters requesting validation on XX/XX/2023. Convergent Outsourcing, INC has yet to provide any documentation to confirm any debt owed to XXXX.