davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2016-08-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (AZ)

On XXXX XXXX, XXXX my wife and I filed for bankruptcy under chapter XXXX. At that time our loan was held by XXXX XXXX XXXX. Starting XXXX XXXX and through the duration of the bankruptcy, all payments were made via the XXXX XXXX. A discharge under 11 U.S.C. 1141 ( d ) ( 5 ) is granted to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX By the court : XXXX XXXX XXXX United States Bankruptcy Judge. 
In XXXX, XXXX XXXX XXXX transferred the loan to Bayview Loan Servicing. In XXXX Bayview began calling my residence and claiming my payments, which were being made under supervision of the XXXX XXXX, were late. I contacted Bayview and was told that while all my payments to Bayview had been on time, XXXX XXXX XXXX told them the loan was one month past due when it transferred. Each month I would contact Bayview, sometimes they corrected the account, but then it would revert back to past due the next month and the " robo-calls '' and harassing letters would start again, which was not allowed under the bankruptcy laws. My credit report currently shows XXXX instances of late payment on this mortgage during our bankruptcy, which is completely inaccurate. Despite numerous attempts on my behalf, including providing them with a full history of payments made since the bankruptcy filing, they refused to correct the problem. This continued even after the bankruptcy has been discharged, and so finally, in frustration, I sent them an extra payment and pleaded with them to re-open the investigation and clear my credit. I have disputed this via the credit reporting agencies now several times, and still they will not correct the issue, which is hurting my ability to re-establish a good credit score and hurting my family financially. For some reason, they also continue to send correspondence to my attorney, even though the bankruptcy has been discharged and I have requested this change several times.
Consumer complaint received 2016-12-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: IQOR US INC (TX)

This company has added this as a collection to my credit report. Under no circumstances or time did I ever have an agreement with the original creditor for services or goods. This collection has never appeared on my report until now. I have never even heard of the original creditor before this point. They are in violation of the Fair Credit Reporting Act.
Consumer complaint received 2016-04-20
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (NY)

Was looking on my report saw a bill from a collection agent knowing that I have insurance for seventeen years call up the doctor they get paid call the insurance company the said nothing was sent to them and this was from the year 2011 the company say there 're going to look in to the problem
Consumer complaint received 2017-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WY)

On XXXX XXXX 2017, I submitted a direct dispute to TransUnion via XXXX XXXX for a creditor that I did not recognize and have no relationship with. Through Direct Dispute, TransUnion acknowledged that the dispute was being investigated and that they normally respond within 30 Days. On XXXX XXXX 2017, I sent a certified mail letter to TransUnion at XXXX XXXX XXXX XXXX, CA XXXX. This mail was returned to sender. I then made attempts to call TransUnion on the telephone at XXXX. I spoke with two people. The first lady told me the dispute was completed. When I told her that I had received no such confirmation, and that the current status in Direct Dispute on XXXX XXXX shows the status as currently under investigation, she told me they had emailed me the result. I asked her which email and she told me, the one on file used to open the dispute. However, as described herein, the dispute was opened on XXXX XXXX, and I have screenshots. I told her this many times, yet she kept telling me the dispute was closed. Eventually she changed her story and said the results were mailed to me, however I have seen no mail and the Direct Dispute center shows that the dispute is still under investigation. After trying to clarify the situation, and with proof that the Direct Dispute center shows an open dispute, the lady kept talking in circles about how the dispute was closed yet would not offer any proof or method for me to confirm this. At this point I asked for the manager. The manager again asked for my social security number, and verified my identity. I explained the previous information to him again, and that the status of the dispute shows currently under investigation. He again told me that they had emailed the information. Later he said it was mailed. Neither of them provided me any concrete evidence or method to verify the dispute was closed, and furthermore, the official Direct Dispute center which is a partnership between XXXX XXXX and TransUnion, shows that the dispute is still currently open 55 days after the initial dispute was confirmed. I would like to resolve this matter in as timely a manner as possible because according to Direct Dispute timeline they are in violation of the Fair Credit Reporting Act. Direct Dispute is an official partnership between both TransUnion and XXXX XXXX, so I see no reason for the story the two TransUnion representatives provided me with. I have use Direct Dispute prior and the results are always communicated through Direct Dispute, so the story I got from both TransUnion representatives does not make sense. I believe this warrants a thorough investigation of TransUnion business practices and how they are attempting to take advantage of consumers by lying about results of disputes. This is negatively impacting my credit and causing me financial harm. Thank you.
Consumer complaint received 2024-10-09
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)

15 U.S.C 1681 section 602 A states I have a 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
Consumer complaint received 2017-07-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OR)

In XXXX of XXXX I filed my income driven repayment plan like I always do. Navient is one of my lenders. The other three lenders accepted my repayment plan but Navient did not. I was not aware that they rejected it. I did not receive letters even though they stated that they sent them. In XXXX of XXXX I filled my taxes. I was supposed to get {$5000.00} back. Navient put in an order to take my taxes only four months after they rejected my income driven repayment plan. I had to call them and they would not give the money back. I set up a payment arrangement for {$5.00} a month for a year with the collection company they sent me too. I was a single mom and that is all I could afford. After a year I was able to stop paying the {$5.00} and then they accepted my income repayment plan. I have never had any issues with my other lenders accepting my repayment plans but Navient went after me. I felt completely scammed. I absolutely hate working with them. This year I filed my repayment plan with them and all my other lenders give me a {$0.00} balance to pay every month. Navient came back and said I owed {$50.00} then month. I had to call and ask them why. They had to reopen my file and they said it 's because when the paper work was processed by them it did not take my other loans into account. They fixed it right away so I had a {$0.00} payment every month. I have to really watch my loans with them because they are always trying to pull something.
Consumer complaint received 2017-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I RECENTLY PUT IN A DISPUTE FOR A VERIFICATION OF ACCURACIES ON THIS ACCOUNT. AFTERWARDS, THIS ACCOUNT MAGICALLY BECAME OPEN AFTER BEING CLOSED FOR ALMOST 3 YEARS. LAST PAYMENT WASXX/XX/XXXX, CAR WAS REPOSSESSED INXX/XX/XXXX AT WHICH POINT THE ACCOUNT WAS CLOSED. ON MY TRANSUNION CREDIT REPORT THE STATUS HAS CHANGED TO OPEN BY THE COMPANY XXXX XXXX XXXX AS PER A REP FROM TRANSUNION AND NOW THE DATE IN WHICH IS IS TO COME OFF HAS SHIFTED A YEAR FURTHER. INSTEAD OF IT BEING REMOVED ONXX/XX/XXXX, TRANSUNION NOW HAS IT TO BE REMOVED IN XXXX. I HAVE TRIED NUMEROUS TIMES TO PAY THIS DEBT ON THIS CLOSED ACCOUNT, THE COMPANY REFUSES TO GIVE ME AN AGREEMENT IN WRITING ON WHAT WE DISCUSSED ON THE PHONE, THIS IS CLEARLY IN RETALIATION TO ME REPORTING THEIR " BOOKY '' WAYS. YOU CAN NOT OPEN A ACCOUNT THAT HAS BEEN CLOSED. FURTHERMORE, THE DATES LISTED ARE WRONG AS WELL. IT IS MY RIGHT UNDER FCRA 623 ( b ) ( 1 ) ( D ) TO HAVE ANY AND ALL INCORRECT INFORMATION CORRECTED OR DELETED IF THEY CAN NOT VERIFY THE FACTS OF THE MATTER, WHICH IS THAT THIS ACCOUNT HAS MANY INACCURACIES! I AM NOT IN POSSESSION OF THE PRODUCT NOR HAVE I REOPENED OR MADE ANY ATTEMPTS TO REOPEN THIS ACCOUNT. I AM NOT RECEIVING MONTHLY STATEMENTS OR MAKING MONTHLY PAYMENTS NOR IS THERE A CONTRACT STATING SUCH.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-09
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. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2800.00} XXXX  XXXX Balance XXXX {$93.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3800.00} XXXX  XXXX Balance : {$7400.00} XXXX  XXXX Balance : {$6200.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-01-29
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America has repeatedly engaged in unfair, poor, and deceptive practices. 

During the time when XXXX was assigned as the Customer Relationship Manager ( CRM ) /dedicated single point of contact ( SPOC ) between XX/XX/2013 and XX/XX/2013, Bank of America committed multiple acts of fraud by misrepresentation and omission. Specifically, XXXX issued multiple MHA HAMP denial letters on appeal contradicting the XX/XX/2013 Appeal Report. 

It appears whenever the Appeals Department issued an update regarding the appeal review indicating more time is needed before a determination can be issued, XXXX would issue a MHA HAMP denial letter representing to me l had been denied MHA HAMP on appeal. A classic tit-for-tat move designed to mislead and deceive. 

XXXX, as the SPOC, is prohibited from conducting appeal reviews on this account. Furthermore, it is not the duty or responsibility of the SPOC to issue determinations on appeal. 

Also previously mentioned resolutions are desired and mandatory.
Consumer complaint received 2024-08-09
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. (NJ)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XX/XX/year>
Consumer complaint received 2024-08-09
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. (TX)

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 2024-10-08
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: EQUIFAX, INC. (GA)

XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, XXXX, XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] [ EQUIFAX, XXXX, et al ] [ Credit Bureau Address ] [ City, State, Zip Code ] Subject : Dispute of Inaccurate Reporting by XXXX XXXX XXXX XXXX XXXX XXXX Dear EQUIFAX, XXXX, et al ], I am writing to formally dispute the reporting of a closed account referenced as a charge-off from XXXX XXXX on my credit report. This account is erroneously reported as both a closed account and a past due account, which is misleading and inaccurate. Additionally, I have observed that since this reporting, XXXX XXXX has continuously added an extra dollar to the reported balance, which I believe is both improper and malicious. 

The reporting of this account violates specific provisions of the Fair Credit Reporting Act ( FCRA ), including but not limited to : 1. **Section 609 ( 15 U.S.C. 1681g ) ** : The right to obtain a copy of my credit report and dispute inaccurate information contained within. The continuous addition to the balance clearly indicates that the reported information is misleading. 

2. **Section 602 ( 15 U.S.C. 1681 ) ** : The FCRA mandates that consumer reporting agencies must ensure maximum possible accuracy of the information in consumer reports. A charged-off account should not continue accruing a balance. 

3. **Section 623 ( 15 U.S.C. 1681s-2 ) ** : This section requires furnishers of information to provide accurate information, and the failure to report the account as charged off only, instead of as continuing to accumulate a balance, is a clear violation. 

Moreover, my payment history across all bureaus shows inconsistencies, where the account appears to be in collections XXXX month and then reported as an on-time payment the next. Such discrepancies cause further confusion regarding my creditworthiness, leading to potential harm in my ability to secure loans or credit. 

Given the inaccurate and misleading nature of these reports, I request that the following actions be taken : 1. **Immediate deletion of the XXXX XXXX account from my credit report. ** 2. **A thorough investigation into this matter to ensure compliance with FCRA regulations. ** 3. **Compensation for the damages I have incurred due to these inaccurate and malicious violations of my rights under the FCRA . ** I have attached supporting documentation to substantiate my claims, including copies of my credit report and any correspondence from XXXX XXXX. Please investigate this matter within the required XXXX  days and provide me with the results. 

Thank you for your immediate attention to this serious matter. I look forward to your prompt response. 

Sincerely, [ XXXX XXXX ] [ Your Signature ( if sending by mail ) ] [ Enclosures : Copies of supporting documents ]
Consumer complaint received 2016-07-16
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Aargon Agency, Inc. (DC)

I have continued to receive regular phone calls from Aargon Agency regarding a medical debt that has been paid. When I ask for specific details about the debt, they are unable to provide additional information and instead tell me to contact the hospital. They have also submitted negative information to credit reporting agencies about this debt, even though I have disputed the accuracy of their claim.
Consumer complaint received 2024-08-09
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. (TX)

I am seeking your assistance with the incorrect information being reported on my credit report. This issue has caused significant harm to my reputation, and I need your support to address it. Your mishandling of my credit report has left me in a difficult position, and my reputation has suffered due to your inaccurate reporting. Please correct these mistakes so I can continue my life with my family.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am filing a complaint regarding unjust charges from XXXX XXXX Apartments ( XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ). Since 2018, I have been wrongfully charged {$780.00} for carpet replacement after they kept my {$650.00} deposit. Additionally, they unlawfully charged me {$50.00} per month for my Emotional Support Animal ( ESA ), violating California Civil Code 54.1. All proper documentation was submitted to them regarding the ESA animal. 

Despite my attempts to dispute these charges with the property management, they have refused to address the issue, directing me to a collection agency. These charges have been reported to XXXX, XXXX, and Equifax, impacting my credit and leading to housing denials. I have also disputed these with the credit bureaus, but they refuse to remove the negative information. 

I request that the CFPB intervene to resolve these unjust charges and have them removed from my credit report.
Consumer complaint received 2017-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

For years I have been placing a quarterly 90-day fraud alert with one of the credit bureaus. I rotate among XXXX, Experian and XXXX. I place this alert because I do not want anyone to apply for credit using mine or my wife 's information. <P/>
Suddenly, this quarter, I find that all three credit bureaus refuse to accept my fraud alert. I have tried all three at different times, spread over several days.
<P/>
Of course, all three offer to " lock down '' my credit for a fee -- which, let 's be honest, is nothing more than a protection racket. It 's exactly what the mafia has done to 'mom & pop ' store owners for decades. <P/>This has to stop. It is not right for these companies to gather all of our personal information, and then say, " it would be a shame if someone got this information and applied for credit in your name. Pay us a fee and we 'll make sure that does n't happen. '' How is this not extortion?
Consumer complaint received 2024-10-08
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: EQUIFAX, INC. (NC)

I would like to dispute these negative accounts on my credit report. 

Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My account with 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 in 60 days to be removed.

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. 

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

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports