davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Client Services, Inc. (NH)

I told them on several occasions the person they are calling does not live here and they still continue to call. 

XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, MO - XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX , MO - XX/XX/XXXX XXXX XXXX  XXXX XXXX ( XXXX ) XXXX XXXX XXXX , MO - XX/XX/XXXX XXXX XXXX   XXXX XXXX ( XXXX ) XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, MO - XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, MO - XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, MO - XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, MO - XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, MO - XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, MO - XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, MO - XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, MO - XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, MO - XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, MO - XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, MO - XX/XX/XXXX XXXX
Consumer complaint received 2019-01-31
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: TRANSWORLD SYSTEMS INC (TX)

Hard Credit inquiries I do not recognize on my account. Some accounts are repeating and can never dispute. Been 3 years since trying to figure it all out but no opportunity has arose. No proof of any debts been received. Credit has been dinged too many times unaurthorized and unlawfully
Consumer complaint received 2019-01-31
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. (TX)

I already reached out to Equifax and to XXXX XXXX and BANK XXXX XXXX and notify them of their error posting of information on my report. I was never late on these accounts. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations still persists on my credit report.
Consumer complaint received 2019-01-31
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 have contacted this company many times to remove all hard inquires because they do not belong to me. their customer service would not help and take care of the negative inquiries reporting to my credit report.
Consumer complaint received 2019-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit, Inc (TX)

In XX/XX/XXXX I opened an account with VW Credit Inc on a XXXX XXXX XXXX  and in XX/XX/XXXXthe car was totaled in a hail storm. I purchased gap insurance through the XXXX dealership in case something like this happened. I filed my claim and the car was paid in full between the insurance company proceeds and the gap company ( XXXX ) payment. 

My account was statused as paid in full. Then on XX/XX/XXXX I received an alert from the 3 bureaus showing a new tradeline update on my credit report. I opened the notice and found that VW Credit Inc had updated my loan status from " Paid in Full '' to " Paid / Charge-Off ''. This statement basically shows as if I let my vehicle get repossessed and then I paid off the balance at a later date. This is completely false as I never made a late payment much less let the account charge-off. 

I contacted VW Credit Inc on XX/XX/XXXX and they stated they would correct the error and it would take about 30 days. On XX/XX/XXXX the account did update but nothing changed and still shows " Paid / Charge-Off ''. 

This erroneous data is having a negative impact on my credit score thus making the cost of new credit to increase.
Consumer complaint received 2019-01-31
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (CA)

This is the same case as prior, # XXXX. My name is XXXX XXXX. You sent me a link stating the bank had responded and that a letter was attached. You already closed the case. 
The attachment under this account WAS ADDRESSED TO SOMEONE ELSE!! A male with XXXX name. Isn't that a privacy violation? 
Where is the letter from Syncrony bank that was meant to come to me?
Consumer complaint received 2016-12-14
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I wrote Transunion and XXXX of my credit report and it was returned to me. I noticed several items that were on both credit bureaus that had a XXXX balance. Their is no reason in rubbing my face in the mud to the point I CANT get any type of credit and it saying on my report for 7 years. I do not owe these people and I have also went online and disputed every single one of them. If their is no balance why ruin me anymore. I am asking this be investigated and removed. Their is things on my report every since 1991. I Appreciate your help in this matter. THANKS XXXX
Consumer complaint received 2016-11-06
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: LTD Financial Services, L.P. (FL)

LTD Financial Services is continuing to contact me to attempt to collect on a XXXX Credit card that was settled through a different collection agency. I let them know that it has been paid and have requested further information on them on a couple different occasions, but they have not supplied any more information other than continual collection notices to collect this paid debt. The following email confirms this debt has been paid, and I have disputed the credit bureaus and have it thus noted with them as well. " From : XXXX To : XXXX CC : XXXX ; XXXX Date : Wed, XX/XX/XXXX XXXX XXXX Subject : XXXX : Card Services, XXXX. vs. XXXX XXXX, My office did file the attached satisfaction of the above judgment with XXXX back on XX/XX/XXXX, and judgment was satisfied by the court per the attached court website. My office does not have record of a lien ever being filed in regards to this matter. Therefore, nothing was ever filed with the XXXX The account has also been reported to our client as settled. Please let me know if you need any further information. 



Sincerely, XXXX. 
XXXX, XXXX. 
XXXX XXXX, Virginia XXXX * : XXXX XXXX : XXXX, ext. XXXX : XXXX XXXX fax XXXX XXXX in XXXX and Maryland XXXX '' Any help or direction you can give me to get this cleared and off my record is greatly appreciated. LTD Financial Services has not communicated with me to resolve, only to continue to collect this paid debt.
Consumer complaint received 2019-01-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (MD)

I believe a Best Buy credit card was opened with my information and this debt was placed on my credit information. Subsequently my bank account has been frozen due to garnishment orders based on default. I had no idea and reported this so many times but to no avail.
Consumer complaint received 2019-01-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

I am submitting an official Complaint through a cfpb investigate XXXX XXXX. also know us Wells Fargo Bank in regard of my mortgage the new allegations are they are the investor, creditor and or note holder I would like to clarify the nun have not been a victim off the fake account created by Wells Fargo. 

Loan # XXXX XXXX XXXX My last 4 digits of My S.S. XXXX B.O.B XX/XX/XXXX MY ADDRESS : XXXX XXXX XXXX XXXX Florida XXXX
Consumer complaint received 2016-05-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (LA)

There has been submittet XXXX XXXX XXXX XXXX payments on my mortgage in 2016 but the mortgage service company ( Bayview Loan Servicing ) claims only XXXX payments have been received. I have submitted copies of bank statements to Bayview, but I am unable to get the company to acknowledge that there has been made a mistake on their behalf. I have submitted several complaints to the company, but they have not provided any feedback. I have talked to more than XXXX customer service representatives but they are unwilling or too incompetent to help. Despite the fact that I have submitted documentation of payments the mortgage company claims a payment is missing and there is nothing more they can do to trace this.
Consumer complaint received 2019-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (FL)

yesturday i reported something over the phone and did not get a rpeort number so i am writing to you. i tried to call chase bank at XXXX XXXX XXXX XXXX XXXX and could not get through for just under an hour. i then called their complaint center at XXXX to report this. he said they dont do that and i said i would report him to you. he rudely told me he did not care and dared me too. then he hung up. a report to you might have gotten thru at XXXX from operator XXXX. i could not get a complaint number and he said it would be on email-which it is not. i complained about chase once before and people are very rude now. if its not for you they may mismanage my account. why did they hang up if you cant help tell me who can since others have said you helped them on similar issues. addresses change at the bank with out my input or knowledge. is there something going on they dont want me to know because of a civil suit. id work with them if they gave information for an apprehension.
Consumer complaint received 2024-10-07
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: EQUIFAX, INC. (PA)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2016-11-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION (FL)

Navy Federal Credit Union withdrew from my account savings/checking to resolve an outstanding credit payment. I had full intention of paying such balance, but was no informed of any deduction that would take place or a call to submit a promissory note for payment. Navy Federal states that it is part of their credit contract to do such deductions. I was not aware of any section in the contract that was clearly visible that any such deduction could occur. 
I have also noticed a trend of certain deductions from my account being made while the payment is still pending and then a second deduction when the payment is cleared. I am fully aware of the fraudulent activity that has been happening with Navy Federal recently and I have grown concerned over they 're honesty and ability to maintain accounts properly.
Consumer complaint received 2024-10-29
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. (CA)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified this items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS?

I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2017-01-25
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (MA)

I have a XXXX dollar student loan debt that Im unable to pay right now and they left a error on my credit report on missed payments from XX/XX/2011 that was defferred cause I was unable to pay. I will like this issue to be resolved by gettting a better repayment plan without being charged interest and also fixing and taking out the XXXX missed payments from the XXXX credit beaureas from XX/XX/2011.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am a victim of identity theft, and several fraudulent accounts and inquiries have been unlawfully added to my credit report, as documented in my FTC Identity Theft Report ( Report XXXX. XXXX ). The fraudulent accounts include two with XXXX ( Account Numbers : XXXX, XXXX ), two with XXXX ( Account Numbers : XXXX, XXXX ), and one with XXXX XXXX XXXX ( Account Number XXXX XXXX ). These unauthorized activities, some dating back to 2019, have resulted in fraudulent loans, collections, and inaccurate reporting, causing significant harm to my credit. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be investigated and blocked within four ( 4 ) business days of receiving this complaint. I further demand that all related collection efforts cease immediately and these accounts be permanently removed from my credit report.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score [ XXXX, {$32000.00} ] In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Consumer complaint received 2024-10-29
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. (PA)

In my consumer report Account Number XXXX XXXX XXXX of Account Name XXXX XXXX XXXX is reporting inaccurate information. Account was previously disputed during multiple periods which are in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, all disputes returned as resolved by data furnisher. The inaccurate information reported is Date Opened which reports a date of XX/XX/XXXX. I have electronic records from Direct Loans Statement disclosure XXXX XXXX XXXX Federal Direct Loan Program indicating that this date is not correct and that the correct date is XX/XX/XXXX. Also to add to this complaint this account is reporting multiple late payments which are unlawful under 15 USC 1681a ( d ), 15 USC 1681a ( 2 ) ( i ). This inaccurate information was obtained from Equifax. Equifax as well as XXXX XXXX XXXX has failed to validate information during multiple investigations. For their willful negligence I seek relief from the CFPB.
Consumer complaint received 2024-10-29
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. (SC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-10-29
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: EQUIFAX, INC. (DC)

I discovered inaccuracies on my report per 15 USC 16c-2. The inquiries listed were not authorized by me. Kindly delete all unapproved hard inquiries.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

I am filing this complaint against EQUIFAX, for the continued reporting of an inaccurate, unverifiable bankruptcy in my credit report. This has negatively impacted my credit profile, even though the reporting is based on improper sources, lacks verification, and violates my privacy rights. I am requesting that the CFPB intervene to enforce the immediate removal of this bankruptcy and all associated accounts from my credit report.

The reporting of this bankruptcy is inaccurate, unsubstantiated, and violates the Fair Credit Reporting Act ( FCRA ), as detailed below : 1. Inaccurate and Unverifiable Reporting ( FCRA 1681e ( b ), 15 U.S.C. 1681c ) - The FCRA requires credit reporting agencies to follow reasonable procedures to ensure the accuracy of reported information. Since courthouses do not directly report bankruptcy information to credit bureaus, the source of this information is unverifiable, and its continued reporting lacks a legitimate basis. 

XXXX. Unauthorized Public Dissemination of Private Information ( FCRA 1681b ) - The FCRA stipulates that credit bureaus can report consumer information only with consumer consent or for permissible purposes. I have not authorized any credit bureau to report this bankruptcy, making the current reporting of this information a violation of my privacy rights. 


3. Failure to Provide Verification ( FCRA 611 ( a ) and 611 ( a ) ( 7 ) ) I disputed this bankruptcy with each credit bureau. Under FCRA 611 ( a ), credit bureaus are required to investigate within 30 days and delete unverifiable information. FCRA 611 ( a ) ( 7 ) further grants me the right to detailed information regarding the verification, including the name of the source and methodology used. The bureaus failed to provide adequate verification, and this bankruptcy should be removed.

4. Additional Violations and Potential Liability Under 15 U.S.C. 1681 ( a ) ( 4 ), the FCRA protects consumer information to avoid damaging consumers creditworthiness and reputation. Sections 15 U.S.C. 1681n and 1681o outline liabilities for willful or negligent non-compliance with the FCRA. The continued reporting of this bankruptcy is improper and subjects these bureaus to potential liability. 

XXXX. Debt Validation Requirement ( 15 U.S.C. 1692g ) If the bankruptcy information was obtained from a debt collector, 15 U.S.C. 1692g requires validation of the debt. If validation has not been provided, the reporting remains unauthorized and unverifiable.