davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (WA)

I 've been having continuous issues with this company. We had an approved short sale with a buyer, but the buyer walked so we submitted a new offer at the same price. I was told it would not take long to reapproved the short sale with the new buyer because the offer amount is the same. We are now 117 days into the process and the lender 's underwriting debt keeps delaying the file and restarting the " within 30 days of complete packet '' timeframe. The lender promises a decision on approval within 30 days of a complete packet however this is the third time underwriting has kicked back the file at the 29 day mark to request a irrelevant correction. For example, the first time we were 29 days into review under writing ask for an estimated figure on the buyer 's side of the hud to be removed- this is not something t hat is at all relevant for the short sale as it is common knowledge these figures are estimated and they have no effect with the short sale as far as the lender is concerned. Next after 29 days the file restated the process because underwriting requested that the listing agent be included on the third party authorization- this is not something that should of restarted the process   because the agent is not an authorize d third party,  So that started the process again, now they asked for a typo correction on the HUD  XXXX  I was told on  XXXX   XXXX  that the file would be escalated because underwriting should of requested that the first time they asked for a correction on the HUD  XXXX  On Friday  XXXX   XXXX  I confirmed the file was still escalated and I was told we would have a decision within  3-5 bu siness days. I called today and spoke to a supervisor  XXXX   XXXX  and was told they did not escalate the file and will not. So that means I was LIED to, SPS records their calls and manager refused to listen of escalate the file. The lender started the process over yet again and we are going to lose the buyer.
Consumer complaint received 2017-05-17
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. (OR)

XXXX  2016  ID theft occurred. Submitted required forms to all   XXXX   credit agencies via USPS.   Only   XXXX   applied the requested  CREDIT FREEZE . Experian and   XXXX    refused to freeze my credit per OREGON LAW.
Consumer complaint received 2017-05-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Immediate Credit Recovery (MI)

Student loan was turned over to a collection agency, Immediate credit recovery Inc. I called several times prior to them garning my wages to discuss a resolution. I have left several voice mails prior to the garn taking place and after. I have never recieved a return phone call and they have started garning me. I just returned to work from a 6 month short term disb and this is crippling me. I tried to set somehing up prior to garn while on disb and no one will return my calls!
Consumer complaint received 2017-05-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (VA)

My private student loan is currently being serviced with Navient. My interest rates are 13 % and 10.50 %. I ca n't get the loan paid down because the interest rates are so high. Their customer service has been completely un-helpful. When I took out the loan I was completely unaware of how much I was taking out, when it was disbursed or where the money went. I had no idea what the interest rates were or how much the payments would be. The interest rates keep increasing and I do n't know why. I have automatic payments set up and I 've been making my payments on-time for several years. I owe more today than when I graduated 10 years ago. I 've also tried refinancing my loans with a different lender but have been turned down on multiple occasions despite my good credit.     I 've been contacted by a organization called  XXXX   XXXX   XXXX  (  XXXX   ) a nd they have told me that they might be able to get some of my student loans discharged because they feel that there has been some student loan fraud on behalf of  XXXX . They want me to pay them {$950.00} in order to put my student loans into  Administrative Deferment  and investigate using their team of attorneys. I 'm skeptical about using this organization because I do n't know if they are creditable.
Consumer complaint received 2024-08-20
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)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : U S DEPT OF EDXXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-10-14
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. (FL)

Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting mi ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. (FL)

I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there is an item on my credit report that have resulted from fraud and I never benefitted from it. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me tremendous XXXX.
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. (WI)

I was able to review and check my credit report and there are some problems with some of the accounts that are reporting on my credit report. I have no clue why these accounts are being reported on my credit report. As these damages my reputation not just a consumer but also a customer. Please have these remove from my credit report
Consumer complaint received 2024-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc. (AZ)

15 USC 1692 ( c ) Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except
Consumer complaint received 2024-10-20
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)

In proper use of my information per Privacy act 5UCS XXXX XXXX Acct # ending in XXXX {$3800.00} Acct # ending in XXXX {$3400.00}
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Voss & Klein, LLC (NY)

VOSS & KLEIN reported an inaccurate collection to XXXX XXXX and XXXX on XX/XX/year>. I disputed the item, and it was not removed. Company didn't answer. It is hindering my livelihood.
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-10-20
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)

I reviewed my consumer report and noticed that I had one late payment on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included in the screenshot inside this complaint in on dates XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand this late payment be updated to paid as agreed on time as they should be due to the fact I was never late. Please see the screenshots attached
Consumer complaint received 2024-10-20
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)

Subject : Complaint Against Equifax for Violation of 15 U.S. Code 1681i ( 5 ) and Failure to Remove Inaccurate Account Information Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax for its repeated failure to remove inaccurate account information from my credit report following two reinvestigations, which is in violation of 15 U.S. Code 1681i ( 5 ) of the Fair Credit Reporting Act.

Account Information : Account Name : XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$0.00} Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, Equifax has failed to comply with the law and has retained the inaccurate account information.

The Fair Credit Reporting Act mandates that if a reinvestigation does not resolve a dispute, the credit bureau must delete the disputed information within five business days. The repeated failure of Equifax to adhere to this requirement is a clear violation of 15 U.S. Code 1681i ( 5 ) and has caused me financial harm and distress.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action against Equifax for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that Equifax upholds its obligations under the law.

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue.
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to dispute fraudulent debts that has appeared on my credit report. This debt is the result of identity theft caused by my personal information being exposed in multiple data breaches, where my Social Security number, birthdate, address, and email were sold on the dark web. I have already been in contact with the police and submitted an FTC Identity Theft Report. I request that these fraudulent debts be removed from my credit report.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

I recently did an investigation on my credit report and I am verifying that these NEGATIVE accounts are not mines. 
Under the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. You are reporting fraudulent accounts that are not mine, which is infringement of my privacy. Congress says I have a right to decide what I deem private. I deem that these NEGATIVE accounts to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 states that these NEGATIVE accounts are misleading false reporting.

Under 15 USC 1681b - permissible purpose of consumer reports. THE LAW STATES ( a ) In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 6802 - I have the right to opt out of any information shared to a financial institution, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice, which I have not received.

******IMPORTANT****** PLEASE DON'T RESPOND TO MY REQUEST SAYING THAT THESE ACCOUNTS ARE VERIFIED BY THE INFORMATION PROVIDER, SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS
Consumer complaint received 2024-10-19
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. (TX)

I declare under penalty of perjury ( under the laws of the United States, if execut outside of the United States ) that the foregoing is true and correct to the best o knowledge. Further, I certify that I am authorized by FEDERAL and STATE LAW to dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C.

These collection found within my credit report are not related to any transaction tha made. I am alleging that a person or company- without my authorization - used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts. All is being investigated by FTC.

IWANT THE CFPB TO PUBLISH THIS DESCRIPTION ON CONSUMERFINANCE.GOV
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Upon reviewing my credit report I noticed a revolving credit card account on my Equifax report from XXXX XXXX that lists me as an Authorized User on an account that has been closed by the credit grantor. I have contacted XXXX XXXX regarding this matter and they are unable to locate this account in my credit history. Nevertheless it appears on my credit report and is showing an account that is in excess of XXXX late. I am not familiar with this account nor have I been an Authorized User on any accounts via XXXX XXXX or any other credit cards. This has greatly affected my credit report and score and I am requesting that this matter is resolved immediately so that I can attain a positive credit score and rating. I have attached a copy of the credit report so that one is able to see the negative information that is reflected on the account.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

There are several names listed on my credit report and they are not correct. I need them to be removed from my credit report, also there are addresses that are not correct listed on my credit report and i am requesting them to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-19
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)

I sent my dispute letters and uploaded proof of Address. I need all negative accounts remove immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-10-19
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-19
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. (CT)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-19
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.