davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (AL)

As of Tuesday, XXXX XXXX, 2017, EQUIFAX is still knowingly and illegally reporting a debt of {$890.00} to XXXX for XXXX XXXX XXXX , XXXX. 
REASON FOR DISPUTE : This account is too old to be on file /time-barred, over the Status of Limitations ( please remove ). Balance is incorrect ( account is paid/settled ). This account was paid to the original creditor prior to becoming a collection or charge-off. This record contains multiple inaccuracies purposely known and reported by XXXX XXXX XXXX , XXXX.
Consumer complaint received 2023-09-01
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)

Submitted dispute letter to Equifax, XXXX, and XXXX using CFPB requesting bankruptcy be removed from credit report as credit bureau did not receive written consent from myself of the originator, US Bankruptcy Court, XXXX XXXX, XXXX, LA. Equifax stated the bankruptcy was verified by XXXX, who is not the originator of the information. XXXX is not the originator of the bankruptcy, it is the storage repository. Multiple attempts have been made requesting Equifax to remove the information. 

IAW the Privacy Act of 1974, XXXX XXXX must have written permission to provide any information concerning an individual to any third party. Equifax wrongfully reported the information without any consent or verification from myself or the Court of Record.
Consumer complaint received 2023-09-01
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2017-12-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch (TX)

Back on XXXX/XXXX/XXXX I filed for XXXX XXXX bankruptcy. My case was confirmed on XXXX/XXXX/XXXX and I have been in active bankruptcy ever since. 

Unfortunately as of XXXX/XXXX/XXXX my mortgage loan servicers changed from XXXX XXXX to some random company named XXXX XXXX. 

All throughout the bankruptcy XXXX XXXX has been able to send me monthly statements showing amount owed, mortgage payment, history, etcI was always able to go to the XXXX XXXX website and log in to my account to also see my account information on line where I could confirm amounts and confirm that my payments had been received. 

Starting on XXXX/XXXX/XXXX I contacted XXXX XXXX several times via email and over the phone with no response. On XXXX/XXXX/XXXX I finally got an email from a representative from XXXX XXXX ( XXXX XXXX ). She told me that will not be permitted to register on the site to see my account information or set up auto payments or make a payment online due to the bankruptcy status. 
Sending you a statement is a form of collection and you are in active bankruptcy, therefore we are not permitted to send them to you. 
All these rules must be followed per the bankruptcy protection you are under and can not be broken. 

When I told her I was able to see my account on line and receive mailed statements from XXXX XXXX her response was.. 

Different servicer, we are not there yet. In the future we will have statements specific to bankruptcies, but at this time we do not. 

So now it was not about bankruptcy rules. Instead now it was because there company is not set up to mail basic statements to a consumer.because they were in active bankruptcy.? 

I also told them that when I was with XXXX XXXX they had included PMI into my payment. And because the value of the home was far more than what was owed I wanted the PMI removed. She claimed.. 

I do not see where your loan has MI any longer Well how would I know since I can not see any documentation of what they have, my account, the numbers, etc it is also my understanding that when your mortgage loan changes from one servicer to another that nothing changes other than the company who receives your mortgage payment. 

So based on all that has happened and been said thus far none of this sounds correct. 
Part of the bankruptcy agreement is that I make monthly payments ( of which can change based on taxes & insurance ) If I dont receive a monthly statement .and cant access my account on line..then how in the heck and I supposed to make the proper payment according to my bankruptcy? 

XXXX XXXX was the 2nd loan servicers we have had on our mortgage since it was obtained back on XXXX/XXXX/XXXX. 
Sadly XXXX XXXX is the 3rd servicers on our mortgage loan. 

Because none of this makes sense and unfortunately I keep getting routed to lower level employees that are inconsistent with their responses I need hep from an outside 3rd party entity to get this XXXX  company to act accordingly.
Consumer complaint received 2023-12-12
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. (NJ)

The above account does not belong to me I am a victim of identity thief Under 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these terns IMMEDIATELYI These accounts should not be furnished on my consumer report as they are in VIOLATIONI1! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agerxy may furnish a consumer report under the following circurstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates, I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer, NO CONSENT IS IDENTITY THEFT, As a copy in demanding the deletion of the accounts listed IMMEDIATELYI XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-11
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. (TX)

This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didnt follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA XXXX entitled to XXXX dollars per violation and clearly they violated my rights. 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( A ). the information was blocked in error or a block was requested
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2017-12-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (NC)

I opened an credit card with XXXX XXXX XXXX, and purchase furniture with the credit card. I have always paid on the account by due date which occurs the third week of each month. I recently began paying on the account the first of second week of the month because my pay cycle changed from biweekly to monthly. Approximately on the second month after starting my new payment preference, I began receiving alert email messages from company. I called the company to make an inquiry about the email messages. I was informed that my monthly payments were overdue and my name was reported to XXXX XXXX XXXX Collections Department. I expressed my disagreement with what the financial company was reporting, and had the company to view my account for payment history. The company pulled down my payment history and reviewed the payment history with me via telephone. What they had documented reflected that I had made the payments before or on the due date. When I asked why was I receiving alert emails messages, I was told they penalize customers for paying on their accounts if the date of payment exceeds 7 days prior to the due date. I requested my call be transferred to the company manager or supervisor in an attempt to have the resolve the matter. I spoke with XXXX XXXX, manager for Synchrony Collections Department. XXXX XXXX informed me that Synchrony Financial only accept payments 7 days prior to due date and that Synchrony had charged me late fees. XXXX XXXX also informed me that I would be charged late fees each month that I do not comply with their policy. I asked XXXX XXXX to direct me to the location in the written and signed contractual agreement where this policy is stated. XXXX XXXX agreed that this policy is not stated in the contract but it is Synchrony 's policy. I requested for all late fees be removed from my account and was informed that late fees would remain on my account. Since my conversation with XXXX XXXX XXXX, I have paid one of my accounts in full and closed that account out. I have two additional XXXX XXXX accounts remaining with Synchrony Financial. After this incident, I have reviewed all other accounts and discovered that account balances does not appear to reflect correct closing balances. I did not select XXXX XXXX XXXX as my preferred lending company. This company was selected by vendors. I do not liky Synchrony 's business practice and strongly believe this company need to be investigated for fraudulent practices.
Consumer complaint received 2023-12-12
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. (TX)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly 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
Consumer complaint received 2017-12-12
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: M&T BANK CORPORATION (PA)

There are six ( 6 ) financial institutions on my Credit Report that have done, all dated XXXX XXXX, 2017, HARD INQUIRIES. They are : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX. I did not authorize them. I only authorized XXXX XXXX to do the Hard Inquiry.
Consumer complaint received 2023-12-08
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. (NJ)

To whom it may concern : This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.

Under federal law ( 15 U.S. Code 1681i ), you had thirty ( 30 ) days to complete your investigation from the date you received my dispute.

Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 
Here is a list of items that were sent in my initial dispute letter that now must be deleted from your database. 
Inquiries XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I have attached proof that Equifax has admitted that I was a victim of this breach and that Equifax has done nothing. Please help me have the items from Equifax, XXXX and XXXX removed from my credit report.
Consumer complaint received 2024-08-28
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)

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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-12-07
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Kikoff Inc. (AZ)

I was just notified that my Kikoff/XXXX account was removed from my credit report, which caused my score to drop several points. I have made all of my payments on time, most recently a few days ago for both of my accounts, and I have been paying for more than 6 months. What is the reason for this account being removed so abruptly? I need an explanation and solution ASAP, as a new account being added back will hurt my score again, and at this point Ive paid Kikoff hundreds of dollars to build my credit and this is the opposite.
Consumer complaint received 2023-08-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: DISCOVER BANK (AR)

After the hospitalization of my child for approximately three months in XXXX, my spouse lost income for that time period and our debt grew because of the trips back and forth to the hospital and care required after being discharged. The debt is mine and my only income is XXXX XXXX XXXX. The debt collector continued to call throughout the day for a period of time, but there was nothing I could do. In XX/XX/XXXX, I received a Court Complaint about owing the money. I contacted the law firm listed and could not reach anyone. I kept trying and finally spoke to someone about the debt. I was told there is nothing I can do and they could not discuss it with me. I kept calling and finally was able to speak with someone about an arrangement for the debt. They sent me an arrangement dated XX/XX/XXXX. It stated as long as I made payments as agreed no further action would be taken. I made payments monthly as agree. Now I have received a letter from them asking for Motion for Default Judgment. The notification states I have failed to answer complaint.
Consumer complaint received 2017-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (CA)

I have several inquiries on my credit report. I also have charge offs that should be removed from my credit report. I have spoken with XXXX XXXX about my score to no avail. I do n't know my credit scores from all 3 credit bureaus XXXX XXXXXXXX XXXX and XXXX. I would like for all of the credit inquiries to be removed as well as the charge offs and paid off credit.
Consumer complaint received 2023-12-07
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (SC)

I paid off this loan and Shellpoint is now charging me fee 's. Although I requested for 38 months for them to send me a statement on my account, so I could see where I was at, how much was owed, etc... they never sent me one. Therefore, I did not know about these charges that were added to my account. Such as late fees or short payments fees, property inspection. For several years they would not send me anything with an amount but now that we paid this loan in full, they want to charge us fees. There is no way we could have know about any of this, as Shellpoint NEVER responded and never sent me anything such as a statement. I have since learned that a class action lawsuit about the same issue was granted against Shellpoint for the same thing i am having a problem with ( extra fees added ). This should not be happening. Every time i get a letter, they say i owe something different. First it was fees, now it's a payment still owed.
Consumer complaint received 2023-12-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IL)

I spoke with Resurgent Capital Services on XXXX. I spoke with a representive, and advised her that i was attempting to dispute by balance. She advised me that I can not dispute by phone, unless i update my address. i refused to update my address due to privacy concerns. she advised me that i can not verbally dispute with out updating my address. I then asked 2 more times if i can dispute my balance with out updating my address. she stated that i can not. I then requested a manager. The manager advised me that i can indeed dispute with out updating my address. The original rep gave me false and misleading statements whille attempting to collect a debt. Per the FDCPA She was in violations of section 15 U.S.C. 1692e.I advised the manager that i do not recognize this debt, and i want to dispute. I Advised her that i am Requesting Validation of the Debt, which is the signed contract binding both parties pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }.
Consumer complaint received 2019-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC (OH)

I am having some issues with addresses on my file that are not accurate. My XXXX XXXX XXXX I live at XXXX XXXX XXXX, XXXX, OH XXXXplease remove delete any other address. My DOB is XX/XX/, my SS # is XXXX. Please delete the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Grain Technology, Inc. (NV)

XXXX of XXXX  I reached out to the company to get help about updating my new bank account to make payments to my credit card balance. It took them nearly XXXX  month to respond. Then another month to help resolve the issue. Is this time I was hit with a late payment. After the resolution I requested the tech support personnel to please fix the issue. she stated " I will be forwarded the issue to our credit reporting department for accurate reporting ''. Nothing has been resolved and I'm still showing a late payment last year.
Consumer complaint received 2017-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (FL)

Credit report ran by XXXX XXXX XXXX XXXX XXXX, 2017 by non-profit alliance for homeownership shows duplicate accounts from nelnet college loans accounts. Balance should be {$63000.00} with monthly payment of {$230.00} ; but is shown as $ XXXX.with monthly payments of XXXX, because the source code was entered in differently for source XXXX XXXX . I  attempted countless hours speaking with Nelnet to fix this problem. I spoke with 3 different supervisors and the floor manager and was given several different reasons why the duplicate accounts occured without ever taking accountability for the error in their data processes. I need Nelnet to take accountability for their mistake so it does n't happen to anyone else. Please assist in the correction needed. Thank you.