davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (GA)

I requested and placed my home loan into forebearance in XXXX of last year. At the time I had just brought the loan current XX/XX/XXXX. I called my servicer to end forebearance and reinstate my payments in mid XX/XX/XXXX. I asked for a partial claim/ junior lien . The service rep on the phone kept asking would I liked to try for a no doc COVID loan modification. I said if it would lower the payments that would work great. At that time I was denied a COVID loan mod or partial claim and told I had to submit a full application for a regular modification and wait for approval. I called FHA to verify that I qualified for a partial claim, and called my servicer back. I was again denied and told it was because I was 30 days late on XX/XX/XXXX. I sent the information I received from FHA via email to my servicer. I have made more five phone calls, they continue to insist I fill out a loan modification to be considered for a partial claim. On XX/XX/XXXX I received a letter stating my options are refinancing, a loan modification, forebearance or foreclosure. They put a letter on my account saying I defaulted on a trial payment plan, I never applied for or was told I was approved for? I am scared they are trying to take my home.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NV)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered XXXX XXXX. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My account with EQUIFAX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


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

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2021-06-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Simon's Agency, Inc. (NY)

Original Creditor : XXXX XXXX XXXX XXXX Date : XXXX XXXX Amount : XXXX $ Collection Agency : SIMONS AGENCY INC XXXX XXXX XXXX XXXX, NY XXXX I talked with the billing department of the original creditor " XXXX XXXX XXXX XXXX '' several times regarding this bill. Everything in my account was paid in XXXX XXXX. They promised not to send this bill which is fake. I got the letter front the collection agency for a debt which does not exist.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I reviewed my credit report on XX/XX/year> and I noticed that there are various items that are inaccurate and incomplete. I have submitted several request to Equifax regards to this and they have failed to send the information on how they have verified this information nor have they fixed the inaccurate information. Per the Fair Credit Reporting Act, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report reference too. These accounts : XXXX #, XXXX XXXX # XXXX. Are incomplete and inaccurate. Yet they seem to say that everything is complete and accurate but if you check my attachments everything is not accurate nor complete. According to 15 USC 1681s-2A A person shall not furnish any information to any consumer reporting agency if the person knows that the information is inaccurate. According to the law they are suppose to provide the description of the investigation according to 15USC 1681i ( 7 ) Description of reinvestigation procedure and they have failed to do so. Furthermore according to 15USC 1681s-2 they are not suppose to furnish any information relating to a consumer if the person has reasonable cause to believe information is inaccurate. ( Dates, amounts, last activity, balanced owed, date opened, last payment )
Consumer complaint received 2017-07-12
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: EQUIFAX, INC. (TX)

I have unauthorized inquiries reflecting on my credit report that should not be there. This issue has not been resolved even after complaining through the Equifax portal, certified letters sent to Equifax, CFBP and BBB. I was told to submit copies of my complaint along with the inquiries that I was disputing to Equifax. Even after doing so, I was told that Equifax does n't dispute inquiries and that I needed to contact the creditors individually to ask them to removed the unauthorized inquires. I spoke with each creditor and was told that because I do n't have an open account with them they are unable to provide me any documentation to have the inquiries removed because they have no record of me in their system. I am always given the run around and Equifax has been unwilling to help me get this matter solved. They even put a fraud alert on my credit report ( which I recently requested to be removed ), but did n't resolve my issue at all from previous inquiries.
Consumer complaint received 2024-09-04
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. (MD)

I am writing to assert my rights under several provisions of U.S. law regarding the handling of my personal information. According to Section 602 ( a ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), consumer reporting agencies are required to manage their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. As a consumer, I am entitled to ensure that my private information is not disclosed without my explicit consent.

Furthermore, Section 6801 of the Fair Credit Reporting Act ( 15 U.S.C. 6801 ) mandates that financial institutions must protect the privacy and confidentiality of their customers ' nonpublic personal information. XXXX XXXX XXXX, as a financial institution, is bound by this obligation. 

Under Section 604 ( a ) ( 2 ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), consumer reporting agencies may only furnish a consumer report in accordance with the written instructions of the consumer. Neither XXXX XXXX XXXX, Equifax, nor XXXX has my written consent to disclose my information. Thus, I revoke any and all forms of consent previously given, whether verbal, non-verbal, written, implied, or otherwise. 

Additionally, Section 6802 ( b ) ( c ) of the Fair Credit Reporting Act ( 15 U.S.C. 6802 ) prohibits a financial institution from disclosing nonpublic personal information to nonaffiliated third parties unless the consumer has been informed of their right to opt out. XXXX XXXX XXXX  has not provided me with this necessary information. 

Moreover, Section 1681c ( a ) ( 5 ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681c ) prohibits the inclusion of adverse items of information that predate the report by more than seven years. The adverse account in question is being reported in violation of this provision.

Section 1681s-2 ( a ) ( 1 ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) requires that a person furnishing information to a consumer reporting agency must ensure its accuracy. Section 1681e mandates that consumer reporting agencies maintain procedures to avoid violations and restrict the furnishing of reports to permissible purposes. Equifax and XXXX are not adhering to these requirements. 

Furthermore, 12 CFR 1016.7 allows consumers to exercise the right to opt out at any time. I am formally opting out of your reporting services.

Please take immediate and indefinite action to address these concerns and ensure compliance with all applicable regulations.
Consumer complaint received 2017-07-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

A new servicer took over our home loan recently and has started charging a service fee of {$15.00} for regular online payments using our bank account. Our previous servicer never charged us a fee to make regular online payments. I disputed the charge the first month over the phone and it was waived. I was able to make a payment online last month without a charge. This month the website indicated I would be charged {$15.00} to make the payment. I called on the phone and disputed this again. The said the lowest they could charge would be {$10.00}. I told them that if they insist on doing this, I will file a complaint with CFPB. I was forced to make the extra disputed {$10.00} charge to make sure the payment would be there on time within 4 days left in my grace period.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 8
Consumer complaint received 2024-09-04
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 writing to dispute the XXXX  listed on my credit report. I have a letter from the court confirming that this XXXX  should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Consumer complaint received 2024-09-05
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 continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2017-07-12
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I filed a complaint # XXXX against Experian on XX/XX/XXXX for failing to investigate the dispute filed on XX/XX/XXXX against XXXX for inaccurately reporting the balance owed. <P/>On XX/XX/XXXX, I received an update to my credit report with no mention of an investigation against XXXX 's inaccuracy. <P/>On XX/XX/XXXX, I disputed the inaccurate balance reporting on my credit report again, from XXXX, through Experian. <P/>On XX/XX/XXXX, I received another update of my credit report stating that Experian performed an investigation, which they did not, and that the XXXX account has been updated but if this were true, the account also would 've been updated as " paid in full ''. The balance due remains inaccurate as well as the accounts status. <P/>Experian not only failed to initiate an investigation but then took it upon themselves to " update '' my file inaccurately once again. XXXX had reported a misstated balance of {$550.00} which was a violation of the FCRA, thus the item should 've been deleted upon the initial dispute, from my file.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-09-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (FL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2017-07-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

I paid off two of my stafford loans last month and was told by Navient that I could delay my payments for my other loans a month as a result. I was given the wrong information and as a result have to pay last months remaining balance and this month on top of a late pay fee. When I called Navient they said there was nothing they could do and that I had to either put in forebarence ( more money ) or just pay it off.
Consumer complaint received 2024-09-04
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. (FL)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2021-10-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc. (NV)

AARGON/COLLECTION/CHARGEOFF # XXXX OPEN DATE : XX/XX/20 AMOUNT : {$6400.00}. THIS ACCOUNT IS FRAUDULENT I HAVE NEVER AUTHORIZED SUCH SERVICES I HAVE NOTIFIED THE COMPANY OF ACCOUNT REPORTING ERRONEOUSLY.
Consumer complaint received 2017-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

As starters, the U.S. Bankruptcy Court provided me with a letter that was forwarded to Transunion which clearly states they DO NOT report to Credit Agencies. In addition, the public record does n't does not list a FULL social security number ( last 4 numbers only ), the address on the bankruptcy does n't below to me and I never lived there, and it 's not an exact match to prove my identity for it to be reporting on my credit file. I tired 4 times to dispute the issue on dates ( s )XX/XX/XXXX and XX/XX/XXXX. I am a victim of identity theft which is also listed in their records but they are still not in compliance with removing information they are not able to truly verify. Their erroneous mistake is causing a nightmare in my life. When I verbally spoke to representatives today in their fraud dept.XX/XX/XXXX, they were very rude, and hanging up on me. And was advised, " ... The information does n't have to match, the name and last 4 digits of  the ssn that they are able to see are good enough ... '' Please make this company follow the guidelines, and REMOVE this Public Record from my credit profile ASAP. They are the only credit bureau that is listing it.
Consumer complaint received 2024-09-05
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 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.