davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AR)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-31
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. (GA)

I have filed a dispute in regards to the incorrect items I have on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2018-02-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc. (NY)

Debt from XX/XX/XXXX-XX/XX/XXXX Back then I wasn't to aware of how credit worked, nor did I receive counsel. Not only that but the information given on my report is incorrect and it took many attempts to reach these people to have them update the information. Even now when an account was charged off and XXXX XXXX these 3rd party companies still are on my report trying to get money from me. I asked for original signed Contract documents and they send me bills instead. Then tell the credit companies everything is accurate when it is not. I'm asking to at least pardon these charges and wipe them off my report so I have a chance to start a new. The companies are XXXX, XXXX, XXXX XXXX, and XXXX XXXX XXXX  which I actually found out wasn't suppose to offer me a credit card in the first place due to my living in XXXX XXXX XXXX.
Consumer complaint received 2024-08-27
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. (MA)

This is the several times I've complained about being a victim of identity theft. You must remove any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 XXXXXXXX XXXX : {$69.00}
Consumer complaint received 2021-12-31
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. (MI)

Equifax is closing out CFPB complaints citing " prior investigations, '' when new information is provided to them. That is, Equifax is now prioritizing ticket closure metrics such as " number oftickets open, '' and " time to closure, '' over review of documentation and reinvestigation. For example, CFPB complaint XXXX was filed on XXXX XX/XX/2021 and involved invalid/unverifiable information supplied to Equifax by XXXX XXXX XXXX The complaint dealt with a billing error. Equifax failed to review the relevant documentation, including a statement on XXXX XXXX letterhead acknowledging the billing error. Equifax further failed to review the disclosure page I provided from my XXXX XXXX bill that specifically states XXXX XXXX can not report accounts a deliquent during a billing error investigation pursuant to 12 CFR 1026.13 Billing error resolution. I provided a statement that XXXX XXXX continued to report deliquency status during the billing error investigation period, acknowledged by XXXX XXXX in their own statement to the CFPB dated XXXX XX/XX/2021 -- this is prohibited. 

Equifax discarded this information claiming that the matter had been investigated previously and results were sent to me. Yet, XXXX XXXX still has the issue open in the correlating CFPB complaint. 

This implies Equifax has taken zero ( 0 ) steps to satisfy their responsibilities as a CRA. If the direct dispute through XXXX XXXX is still under investigation, then the CRA dispute, as filed under CFPB complaint XXXX, should still be pending. In fact the other CRAs still show the same issue open, while Equifax claims an investigation was " previously conducted. '' Therefore, all indictators point to a prioritization of ticket closure over responsibilities of CRAs under the FCRA and automatic updates using eOSCAR for expediency over conducting investigations.
Consumer complaint received 2021-05-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: STERLING BANCORP (NY)

In In XXXX of XXXX I lost my job due to Covid-19, I called my mortgage company, Sterling National Bank, in XXXX and asked them if there was anything that could be done. I was told that I could miss two payments and that the payments were going to just be added to the back of the loan and there would be on issue due to the fact of Covid. I missed XXXX and XXXX and then continued to pay my mortgage in XXXX. I found out in XXXX that I was put into " Lost Mitigation Forbearance '' for missing payments. 

I called Sterling National Bank numerous times, explaining to them that I was told I could miss the two payments and that is was illegal in NYS to do what they had done, to no avail. In the mean time they held onto my monies, in an amount of over {$10000.00}, and did not apply them to my mortgage. My mortgage continued to accrue interest all this time. In XXXX, I was told that the only way to get out of this was through a loan modification which add additional fees and extended my loan another 30 years, which is illegal in NYS. In XXXX of XXXX I finally got out of Lost Mitigation. In XXXX of this year I called them to rectify this situation, but it fell on deaf ears. 

On XXXX of XXXX my balance was {$320000.00} and in XXXX of XXXX my balance is {$320000.00}. How is this possible?
Consumer complaint received 2021-12-31
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (NC)

Due to COVID 19 and loss of my job I fell behind on my mortgage payment. I contact Flagstar immediately and was placed on a repayment plan. Unfortunately, I was unable to complete the repayment plan and I was placed in the loss mitigation process. 
this was due to my father who was ill and ailing parents during the COVID 19. My father subsequently passed away. In XXXX of 2021, called Flagstar to inform them that I was ready to resume my mortgage payment and needed them to place the pass due payments on the back of my mortgage loan. The representative explain to me that I was eligible and proceeded to asked me probing questions to determine what option was best for me. They stated I qualified and within the next few weeks I should receive a packet from them to sign and explaining the new terms along with payment amounts. Since that time I haven't received any paperwork, or phone calls. I have called several times and I have been told that they my loan is still in underwriting. I was told that they are still working on my file and I should receive something in the mail soon. Fast foward to XX/XX/XXXX, I called Flagstar bank and was informed that they did not complete my review and I would have to submit a loss mitigation packet. I did not request or ask for a review for loss mitigation. I would like to resume my mortgage payments. I was advised to not make any payments until my deferment review was completed. They do not want to admit that they have missed their timeline for my review and have failed to communicate with me directly since the process has started. Flagstar wants me to start my timeline all over again, and for what? Why can't they communicate with me in a timely manner and keep me informed of next steps. They asked me to verify my phone number because they had another number on my file. I have had the same number for over 30 years. I have not idea why my phone number was changed. They also told me that my loan was extended out until XXXX, something that I didn't request. If my deferment review was completed within the allotted time frame, why would I need an extension of my deferment review. I asked to speak to a manager and was placed on hold for well over 30 minutes. This has been a continuous issue with Flagstar bank. The representative never came back to the phone.
Consumer complaint received 2024-08-08
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. (AZ)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (ND)

I am writing to follow up on the ongoing issue regarding the fraud items. Despite our previous communications and numerous attempts to rectify this matter, it is disappointing to note that the problem persists. As this is now our multiple round of dispute regarding this issue, it is imperative that immediate action is taken to address and delete the items. The continued presence of fraud items not only hampers our operations but also reflects poorly on the efficiency and reliability of your services. 
Despite our understanding and patience, there has been no visible improvement in the situation. We urge you to prioritize this matter and implement measures to ensure that these items in a timely manner moving forward. With this, I am asking for your assistance to remove these items in my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-07-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect (MO)

Americollect Collections continues to report a said collection that is currently being litigated by my attorney ( XXXX XXXX XXXX XXXX XXXX Original creditor has been contacted about this lien and therefore this collection agency that I have no contract with should not be trying to collect a 6 debts that are not related to the original creditor debt.
Consumer complaint received 2024-08-08
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. (OR)

I am writing to express my deep concern and frustration regarding the multiple unsuccessful attempts I have made to correct an account opening date on my credit report with 3 Credit Bureaus. The incorrect accounts opening date has resulted in inaccurate reporting that has negatively impacted my credit score. I first reported the issue and have subsequently made attempts to resolve the issue, providing the necessary supporting evidence and documentation to support my claim. I believe that a prompt correction of this late-open account is essential to ensure the accuracy of my credit report. I kindly request a thorough and immediate investigation into this matter to correct the reported accounts opening date. I expect that Credit Bureaus values accuracy and fairness in its credit reporting practices and is committed to ensuring the integrity of my credit report. I would appreciate a prompt response to this complaint. I am asking for your immediate assistance to correct the accounts immediately : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$2400.00}.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (OR)

XXXX shows on my most recent credit report that the oldest date of delinquency is XXXX, which affects my rights as a consumer to have 7 year old debts deleted from my credit report/not reporting. There is still incorrect data being reported on my credit report that is especially hurtful while I am in the process of moving and my credit report is being checked. I know that the date of first delinquency was in XXXX not XXXX as well as it states in the credit report screenshots. XXXX and the credit bureaus keep trying to push the date of first delinquency. For example, the date shown on Experian for earliest delinquency is in XXXX, a time where the card was already charged off since XXXX. This does not add up.
Consumer complaint received 2018-09-25
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. (GA)

I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. In this report each bureau ; XXXX, Equifax, XXXX shows a difference in reporting on this account ( example : one reports shows paid on time while the other is reporting late ) These items : the date the account was opened, late charges and the number of days late and past due amounts that are not reported the same on all 3 bureaus. 
XXXX bank submitted a letter stating account was XXXX days past due and reported this on my credit report but my record of payments contradict that claim. I'm challenging the due date of payment by submitted the original contract of the loan as well the actual date this account was open vs what it is stated on all 3 bureaus. 

Enclosed are copies of the account and how it is reported on all credit bureaus.A letter when the account was originally opened and payment history to show that this account was not XXXX days past due.
Consumer complaint received 2021-11-18
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: EQUIFAX, INC. (CA)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and 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 reported to be removed/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. 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!
Consumer complaint received 2024-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-08
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: Experian Information Solutions Inc. (NJ)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-08-08
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. (CA)

I am writing to formally lodge a follow up complaint regarding a persistent issue with my credit report. Despite multiple attempts, I have been unable to correct a late open account that has been inaccurately reported. Despite my numerous efforts to resolve this issue, the incorrect information remains on my credit report. This error has significantly impacted my credit score and my ability to secure financial products.

Enclosed with this letter are copies of the relevant documents that support my claim, including any previous correspondence, statements, and proof of timely payments.

Please help me investigate the inaccuracy thoroughly and correct the late open account information on my credit report. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and expect your prompt action within the 30-day period mandated by law. This account is as follow : XXXX XXXX XXXX XXXX XXXX : {$14000.00}.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- 1002.142 ( b ) ( 7 ).

I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2018-09-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (GA)

I would like to file a complaint regarding the repayment of my students loans. 
1. The total amount due is incorrect 2. There are no deferment, forbearance, unemployment, or hardship options available for me.

3. Being harassed EVERYDAY with calls and emails about loans.

I am not attempting to avoid making payments however, I was not out of school 30 days before Navient began calling me! They have called every single day and emailed every single day and Ive communicated that I am looking for employment, living with a friend, and not able to make payments at this time. I have asked for deferments or forebears but to no avail!