davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I have written to dispute the reporting of my student loan on all three credit reports. I have attempted to correct this with all three credit reporting agencies and with XXXX XXXX XXXX Loans. I spoke with XXXX XXXX again today and received another notice from XXXX  that they do not have to investigate the complaint as the details of my letter were not specific enough and I had recently filed a dispute so they did not have to investigate again. When I spoke with XXXX XXXX they state it is the credit reporting agencies, XXXX, Equifax, and XXXX. The credit reporting companies state it is XXXX XXXX. 

There are two XXXX XXXX XXXX XXXX being reported on each of the three credit reports. One is correct with the all payments being reported as current. The second one of which a copy is attached to this letter, list the account as CURRENTLY PAST DUE GREATER THAN 120 DAYS. This student loan went through the rehabilitation approved process and the reporting of the loan was updated. During the update somehow two student loans began to be reported instead of one account.current.The second account should have been deleted from all three credit reporting agencies, Equifax, XXXX, and XXXX. 

The reporting on Equifax that are now reporting a student loan that was closed in XXXX with a XXXX balance NOW has late payments reporting in XXXX and XXXX. The account is reported as being currently 120-149 days late as of TODAY and was closed with XXXX balance is XXXX. 
The late payments on this account are over seven years from XXXX. I have worked diligently to rebuild this account to a good standing status. This loan went through the full rehabilitation process and the second account reporting reflects accurately what the account status should be. Under the terms of the rehabilitation process, the account that has the inaccuracies and late payments should be deleted from all three reporting agencies, Equifax, XXXX, and XXXX, as per the Fair Reporting Act. The correct one with the on-time payments should  remain as the account status. 

This inaccurate and outdated reporting of two accounts is detrimental to my credit score and does not accurately reflect my current account status or the rehabilitation program I followed. I am very frustrated and do not have any idea who to seek futher help from to resolve this issue. I am appealing to you for help with this to get both of them to work on this error. 

If you have any questions, please contact me.
Consumer complaint received 2019-10-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KINGS CREDIT SERVICES (CA)

I was notified of a Debt when a debt collector Kings Credit Services out of XXXX, Ca filed a Summary Judgement against me on XX/XX/19. I asked them to verify the debt, when they sent me their reply the amount of {$680.00} was not correct. I sent them information informing them the amount they were going after me for and asking them to go back and verify with their client. It seemed that the Dr. office that this was from was not crediting my account for payments made. They never replied to my reply. They continued their court actions. Now they have a judgement against my they got from I now consider fraudulent information since they refused to verify the debt. 

Until I got the court documents as far as I can tell I never had contact with the agency, either written or by phone.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-11-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CT)

On XX/XX/XXXX I was given a {$150.00} Vanilla Visa Gift card for my Birthday. I went to use the card on XX/XX/XXXX and the purchase was declined. I called the number on the back of the card and learned that the card was used at a XXXX store in XXXX, CA on XX/XX/XXXX for {$110.00}. I live in the state of CT. The card was purchased in CT. I was trying to use the card in CT. I filed a dispute with Vanilla Visa Gift Card Co on XX/XX/XXXX. 
On XX/XX/XXXX I was informed by XXXX XXXX at XXXX ( Parent Company ) that they would not be refunding my money at all since supposedly the card was physically presented at the XXXX store at the time of purchase. Thereby, absolving them of any responsibility. I can prove I was not in California on the dates in question. Again, I have the card in my possession. 
Additionally, per their automated message, as soon as a complaint is filed, any balance left on the card is frozen while the complaint is investigated. The card was used AGAIN well after the complaint was filed. This time in XXXX XXXX, CA on XX/XX/XXXX at another XXXX for the remainder of the card balance- {$35.00}. Somehow this money is getting refunded to me per XXXX. Small consolation in the grand scheme. 
I want a refund of the {$110.00}. I have filed a complaint with the XXXX XXXXn Georgia, where the XXXX headquarters are. Last I saw the company has yet to respond to this complaint. This is outrageous that I should be penalized in any way for fraudulent activity they allowed. Whether the card was duplicated, the numbers were stolen, whatever, the company should be responsible.
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2020-08-18
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. (OK)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompted me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX {$36000.00} XXXX XXXX XXXX XXXX {$530.00} XXXX  XXXX {$710.00} XXXX  XXXX XXXX  XXXX {$2400.00} XXXX  XXXX XXXX {$2300.00} XXXX XXXX {$630.00} XXXX/XXXX   XXXX {$470.00} XXXX  XXXX  XXXX {$1100.00} XXXX  XXXX XXXX {$600.00} XXXX  XXXX  XXXX {$510.00} XXXX   XXXX {$0.00} XXXX XXXX XXXX XXXX {$560.00} XXXX/XXXX  XXXX   XXXX {$350.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} XXXX/XXXX  XXXX {$580.00} XXXX/XXXX  XXXX {$340.00} XXXX  XXXX {$3500.00} XXXX/XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX {$93.00}
Consumer complaint received 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

Hard inquiries done on the same day are showing up multiple times as hard inquiries and affecting my credit. 

There are XXXX  on XX/XX/2021 as they looked at car financing options. 
There are XXXX on XX/XX/2021 as they looked at car financing options. 

I was told that these should only be XXXX hard inquiry as they are XXXX days apart.
Consumer complaint received 2021-12-17
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: ACOPIA CAPITAL GROUP (AL)

On XX/XX/2021 i went to XXXX plus located in XXXX XXXX alabama and meet with a lady name XXXX XXXX XXXX who i was introduced to by XXXX XXXX XXXX who is license to do application loans for the public she own Acopia Home Loans XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama. On XX/XX/2021 i signed and XXXX XXXX agreement for a home loacated at XXXX XXXX XXXX XXXX loacted in XXXX. alabama XXXX I put down Earnest money to secure the property! the sell was to close and deed delivered on XX/XX/2021! I recieved approval for the loan from acopia home loan XXXX XXXX with condtions of providing documents such as unnecessary things and a gift letter for closing! on i signed loans papers with acopia home loans XX/XX/2021. I never made it to XXXX XXXX in XXXX XXXX for closing but they told me it had already closed! XXXX i did my investagtion and found the loan at XXXX serving where they sold the loan to XXXX XXXX! I have emails and documents to prove what in saying XXXX XXXX at XXXX XXXX told me that if i never got approve it wont never made to the pipe line! I really think acopia homes is doing fruad! I was adviced by exchanged bank what just happen was fruad and they hope i get it solved when i went to cash the escrow check that XXXX XXXX wrote me! I would like help on solving this XXXX XXXX XXXX case and the property that XXXX mortgage said i lawfully own and i was protected by the federal gouvernment
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX 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 2020-08-26
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (GA)

I have an FHA mortgage on a residence that I currently reside in. On XXXX-2020, my mortgage servicer, Loancare, approved me for a 180-day forbearance. Prior to the start of the forbearance, my account was in a delinquent status because the mortgage payment for XX/XX/2020 had not been made. 

On XX/XX/2020 I was able to pay in full, the delinquent payment for XX/XX/2020. At this point, my account was caught up on payments and the only unpaid months were the months covered under the forbearance ( XX/XX/2020 and beyond ). 

On XXXX-2020, I looked at my credit reports for XXXX, XXXX, and XXXX. All three credit reports showed that Loancare is still reporting my account as delinquent even though the only payments that are outstanding are the payments covered under the forbearance. 

I read section 4021 of the CARES act which says : " If the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current. '' I conducted further research on the CFPB website and found the following excerpt from an article entitled, " Protecting your credit during the coronavirus pandemic '' : " If your account is already delinquent and you make an agreement, and you bring your account current, the creditor must report that you are current on your loan or account. '' I made contact with a Loancare representative via telephone and explained to him that I believed Loancare was reporting my account incorrectly to the credit bureaus because, under the CARES act, my account had been brought current when I made the delinquent XX/XX/2020 payment. I advised him what I had learned from reading section 4021 of the CARES act and the article on the CFPB website. 

The representative advised me that my account was being reported correctly because if it was delinquent prior to the beginning of the forbearance, they were able to continue reporting the account as delinquent even after I had made the past due payment. He also advised me that even though the past due payment had been made, the account could still be reported as delinquent because the payment months covered under the forbearance are technically late. 

I advised him that I believed that the CARES was not being interpreted correctly and he ensured me that it was. 

My research leads me to the conclusion that payments that are not made while actively in forbearance should not be reported to the credit bureau as late under Section 4021 of the CARES act.
Consumer complaint received 2020-08-26
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. (AR)

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please remove these accounts from my report as soon as possible. They do not belong to me. XXXX XXXX XXXX XXXX {$1000.00} XXXX  XXXX XXXX {$690.00} XXXX  XXXX {$13000.00} XXXX  XXXX {$300.00} XXXX  XXXX {$11000.00} XXXX XXXX XXXX XXXX {$590.00} XXXX  XXXX {$19000.00} XXXX FI XXXX {$2400.00} XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX  XXXX {$4000.00} XXXX XXXX {$1000.00} XXXX XXXX   XXXX {$1200.00} XXXX XXXX {$990.00} XXXX XXXX XXXX {$100.00} XXXX XXXX   XXXX {$590.00}
Consumer complaint received 2020-08-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TOP FLITE FINANCIAL INC (NC)

On XX/XX/2020 I got text from XXXX from top flite. I was interested in refinancing my home with cash out. I never provided with my SS # but my credit was ran without my consent. I have them to removed the request but they refused. I received a call from their compliance office who told my SS # number was sold to them XXXX XXXX who I never did business with XXXX XXXX
Consumer complaint received 2024-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX I sent an inital complaint dated XX/XX/year> with the inaccuracies that are being reported differently across XXXX and XXXX . They ( XXXX XXXX XXXX ) received that letter with certified returned receipt on XX/XX/year>. Their response was a " canned '' response that all is well and they are reporting out accurately. A second letter was sent today ( XX/XX/year> ) certified signature required with further violations highlighted. I hope they cure the deficiencies by fixing or deleting the inaccurate items as required by Law.

This debt collector has no contract with me. I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 1681.

I am putting you on notice that I the consumer refuse to pay this debt under the fdcpa : ( 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 **Violation of FDCPA : ** The notice fails to provide verification of the debt as required by 15 U.S.C . 1692g. I have not received any validation or verification of this debt despite previous requests.

**Misleading or Deceptive Practices : ** The language used in the collection notice could be perceived as misleading or deceptive under 15 U.S.C. 1692e. It does not clearly state my rights to dispute the debt or request verification.

Under the FDCPA, I am entitled to verification of this debt and to dispute its validity. Therefore, I request that you provide me with the following information promptly : - Verification of the debt, including proof of the amount owed and the original creditor.

- Documentation showing that your agency is authorized to collect this debt.

Please note that until proper verification is provided, I dispute the validity of this debt and request that you cease all collection activities, as required by 15 U.S.C. 1692g ( b ). Any further collection efforts without providing the requested verification will be considered a violation of the FDCPA.

Please respond to this dispute within 30 days from the date of this letter. Your failure to comply with the FDCPA may result in legal action being pursued against your agency.
Consumer complaint received 2024-11-02
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. (MD)

I am writing to dispute several inaccuracies on my Equifax credit report, which infringe upon my rights under the Fair Credit Reporting Act ( FCRA ). I am concerned that Equifax is reporting accounts that do not belong to me : XXXX  XXXX Bankruptcy : Reference # XXXX XXXX  XXXX Bankruptcy : Reference # XXXX XXXX XXXX  : Reference # XXXX Under 15 U.S.C. 1681 ( a ), I have the right to privacy in my credit report, which has been compromised. Further, 15 U.S.C. 1681b, Section 604 ( a ) ( 2 ) mandates that a consumer reporting agency should not report credit information without my written consent, which I have not provided for these accounts. 

I request that the CFPB investigate Equifaxs actions and direct Equifax to correct my report by removing these entries. I have enclosed relevant documents for reference. 

Thank you for your time and assistance.
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (FL)

Lexis Nexis shared information about me with XXXX  AFTER a security freeze was put on my file. I am an identity theft victim. Both Lexis Nexis and XXXX  report that I had a chapter XXXX bankruptcy discharged in XXXX. I deny that I had a bankruptcy discharge. Lexis Nexis agreed to stop reporting the alleged bankruptcy after I disputed it with them in XXXX of XXXX. I placed a security freeze on my Lexis Nexis report and Lexis Nexis confirmed placing the freeze on XX/XX/XXXX. I've attached a copy of the report to this complaint. I filed an XXXX  dispute to have the Bankruptcy removed. In correspondence dated XX/XX/XXXX from XXXX, XXXX  states that the Bankruptcy will remain on my credit report because Lexis Nexis confirmed that the Bankruptcy listing is accurate. Clearly, Lexis Nexis has released information about me to XXXX  AFTER it confirmed the security freeze had been put on my credit bureaus. 


I also attached a letter from US Bankruptcy Court which states that the court does not report information to the credit bureaus. Lexis Nexis could not have obtained info on the alleged bankruptcy from US Bankruptcy Court because the court does not report info to the credit bureaus.
Consumer complaint received 2020-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (CA)

I applied for a Citi card on XX/XX/2020 Application ID XXXX. 

I was DENIED for having 1 INQUIRY!!!! HOW?!? 

My credit score is XXXX!!! Ive had Citi for over 12 years now and never been late, I have XXXX XXXX credit lines to $ XXXX and Capital Ones just as much. However Im denied because I had ONE INQUIRY?! 

Thats XXXX 

Ive spoken with their fake reconsideration department and was still denied, theyre saying because I was Approved for a XXXX XXXX a few days prior that disqualifies me for any products?! Thats XXXX!! Im XXXX off!!!
Consumer complaint received 2022-05-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (VA)

I contacted Navient on 2021 in regards to them withdrawing {$250.00} on XX/XX/2021 and XX/XX/2021 for the same loan and {$43.00} on XX/XX/2021 and XX/XX/2021 for the same loan. Essentially, charging me twice for the same loan but only crediting my account once. Navient responded by stating they only withdrew the amounts once, not twice. My bank records shows where Navient withdrew the money twice. I contacted Navient a second time with my bank records, and they have not responded to my inquiry. 

Student Loans are with my maiden name : XXXX XXXX.
Consumer complaint received 2020-08-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (NV)

On XX/XX/2020 I got an email stating my account had been closed due to an overdraft. I set up direct deposit at my job and it was never processed correctly. I never used my card for anything except for the money I deposited and used. I contact wells fargo several times and no one listened or responded to my claim. I was in the hospital from XXXX Fighting for my life from XXXX. I didn't reach out at that time because I was unable. My account being closed has caused me to struggle. 

Account ending in XXXX