davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-15
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. (VA)

Broad issue - A doctor 's office that I had used incorrectly referred a bill to a collection agency ( XXXX XXXX XXXX ), who subsequently reported the placement to the three major credit bureaus. This bill had been paid before it was ever placed - because it was placed in error, XXXX XXXX XXXX  stated that they would fully delete the collections account from all three bureaus ( see confirmation letter attached ). 

Both XXXX and XXXX XXXX completed this deletion within ~24 hours. Equifax did not, and instead reported it as paid/XXXX balance, but continued to leave the record intact. I initially disputed this with Equifax on XX/XX/XXXX. Unlike the other bureaus, they took until XX/XX/XXXX to reply back and to let me know that they were only reflecting it as paid ( not deleting it ). I  thought they must have missed the point around deletion, so submitted another dispute on XX/XX/XXXX, including the letter from XXXX XXXX XXXX attached here. On XX/XX/XXXX, they responded that the debt was verified as mine, and therefore they would not change the reporting. They are completely missing the point and the evidence that the entire tradeline/collections report is invalid. 

I am currently in the middle of a mortgage refinance that is being held up by this issue, and am considering filing a lawsuit against Equifax to resolve this. I don't understand why the other two bureaus can resolve it so quickly and smoothly, while Equifax repeatedly ignores the evidence submitted. I also called their customer service line, and got multiple agents that ultimately provided no help at all. 

I want this trade line deleted, as it should have been in the beginning, and as XXXX XXXX XXXX has confirmed that they processed.
Consumer complaint received 2021-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Equifax is reporting XXXX XXXX as a paid account. XXXX XXXX was closed and charged off. The account was closed on XX/XX/2015. Close to seven years ago. There was no further contact with XXXX XXXX. I am.again requesting the exclusion rule to apply to this account. 

I am not sure how or why Equifax continues to report incorrect information. To date every dispute I filed they closed without addressing the errors. Never sent out anything in writing because they had incorrect information.
Consumer complaint received 2021-11-08
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and correct it from my personal credit file. Thank you. 

NELNET XXXX XXXX Balance Owed : {$1300.00} NELNET XXXX XXXX Balance Owed : {$1100.00} NELNET XXXX XXXX Balance Owed : {$670.00}
Consumer complaint received 2021-11-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (NY)

I disputed this account, with XXXX and reported it to the CFPB this year XXXX. In retaliation XXXX has sent the account to a law firm XXXX XXXX XXXX XXXX XXXX, who is trying to collect a debit of {$4.00}, XXXX. At this point XXXX has violated all of the credit reporting laws 15 U.S. Code 1681. XXXX basically sold the fraudulent account knowing that this was not debt. 

Former report below : In XXXX XXXX XXXX XXXX credit card was removed from my credit report, because of fraud. In XXXX XXXX XXXX placed the account back on my credit report with a new account number. At current this fraudulent information is affecting my credit score. XXXX XXXX is in Violation of Federal credit laws include the Truth in Lending Act ( TILA ), the Fair Credit Billing Act ( FCBA ), the Equal Credit Opportunity Act, the Fair Credit Reporting Act ( FCRA ), and the Fair Debt Collection Practices Act ( FDCPA ). I would like for this company to remove this information from my account immediately.
Consumer complaint received 2021-11-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

Hello, I have an item on my credit report that should not be there. It has affected my credit drastically and needs to be removed now please. I have already sent a dispute letter and it has been 31 days now and this item is still here. Please remove it now. Thank you.
Consumer complaint received 2023-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Hello, I am contacting you, because it shows on my reports that there are some nonfactual negative items on my account. I contacted XXXX and they removed them right away, because they weren't supposed to be there in the first place. I am reaching out asking you to do the same. 

Negative account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

In XX/XX/XXXX the Cares Act allowed me a mortgage forbearance. My loan was through XXXX XXXX  and this forbearance was approved. XXXX had informed me that my loan was backed by XXXX XXXX ; however I have since learned that they were mistaken. The California Shelter in Place order required that I stop working, and during this time I was unable to pay my mortgage, and therefore continued my forbearance until what would have been reinstating payments on XX/XX/XXXX. 

Prior to XX/XX/XXXX, my loan was sold by XXXX XXXX  to SPS Mortgage. In early XXXX I contacted SPS Mortgage and they asked that I fill out an Application, which I promptly did. During the month of XX/XX/XXXX I contacted SPS regularly, and was constantly told they had not received the required information, all of which I had provided. I resent all the information as requested. Finally I was told my loan was under review. I asked that my missed payments be added to the back of the loan. I heard nothing back and continued to contact SPS as to the status of my Application. On XX/XX/XXXX I attempted to make a mortgage payment, yet SPS denied me stating that the payment would apply to XX/XX/XXXX and not the XX/XX/XXXX payment and that my loan was still under review. During the month of XXXX until now, I have contacted SPS numerous times, each time being told yet again, they needed additional paperwork ( already provided ) that one page was blurry, to which I resent it. I was then told yet again, they had everything they needed and my loan was under review. I contacted them again and again they said the one page was blurry, to which I told them I provided an additional copy and was told it was clear and legible. They asked me to send it yet again. At this point, I do not know what to do. Prior to the Cares Act instating the Forbearance Plan and XXXX accepting my Forbearance, I had never been late on a mortgage payment and I have excellent credit. I have sufficient savings now to be able to resume payments, as they were prior to the pandemic. I only ask that the missed payments be added to the back of the loan. SPS recently said it was under review ( as they had stated twice before ), and that it could take a month to get back to me. 

I am being given the obvious runaround by this less than professional company that has no apparent desire to work with me. They continuously tell me one thing, and then another. No other company will refinance my loan without my making three payments, however, if I make three payments they will apply them to the XXXX missed payments which is not sufficient to refinance. I fear this company is stalling and is charging me late fees and penalties for the past two unpaid months, has no desire to remedy my situation, and is wanting to foreclose on my property. 

Again, I am able to resume payments as of XX/XX/XXXX. I would gratefully request that you help me to resolve this matter as quickly as possible. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-08
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. (MO)

I am XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be removed completely from my credit report : XXXX - Date of inquiry : XX/XX/XXXX
Consumer complaint received 2021-11-07
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. (AR)

Credit reporting agency XXXX XXXX equifax I tryed a numbers of time to sent in information on accounts that has been paid off and for them to updated them. But it seems like they are not updating them on time. One credit BREAU saying this and another one is saying differently. they are very slow correction information I submitted. 
And dropping my scores XXXX XXXX XXXX XXXX  and go up only XXXX XXXX  XXXX XXXX but when It comes to dropping they drop bad. I have been trying to purchase a house for a year since the COVIDXXXX and as you can see CREDIT BREAUS, seems to have the final say so on all loans. So sir could you look into into this for me thank you so much.
Consumer complaint received 2021-11-07
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 am a federally protected consumer who is protected by the FCRA which was writtien by congress. I reviewed a copy of my credit report and I noticed unauthorized credit inquiries which violates the FCRA of the information in my credit report being 100 % accurate and verifiable.I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact and investigate each inquiry of such occurrence that I did not give permission for and from my understanding of the FCRA a company must have permissible purpose to pull my credit report.Please send the names, business address and phone numbers of those who made unauthorized credit inquiries that you spoke directly to during your investigation. Please include the name of the person who pulled my file, the date I gave permission, and the method that I gave permission ( all documents of this said permission ) .Upon completion, send me a complete full updated printed copy of my entire credit report. As I understand it, there should be no charge for this
Consumer complaint received 2021-11-07
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: Nelnet, Inc. (CA)

I am writing because I found some information that is inaccurate on my credit report. You are reporting a 90 days past due on XX/XX/2021 on the Nelnet Loan Services, Incorporated account ( s ). This is not true, I was not 90 days late on XX/XX/2021. Just 30 days prior, on XX/XX/2021, the account ( s ) were reporting as OK.
Consumer complaint received 2021-11-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

After I opened a crypto trading account with Coinbase Inc. and purchase crypto coins from this company, about a few days later I noticed that around the equivalent of {$2000.00} were missing from my account. 
I immediately tried to contact the company and after several times and emails I was told that my account was hacked and the funds were sent to an external account and that my money cant be recovered. 
There are many complaints against this company from many consumers for the same issue. 
I believe it was an inside job.
Consumer complaint received 2021-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have disputed these items several times and also I have reported XXXX XXXXXXXX to the Nation Credit Union Administration also I will be making an OCC complaint followed by and Attorney General Complaint if I am unsuccessful with remedy this time.
Consumer complaint received 2021-11-08
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

Reviewed my credit report and I noticed that capital one has furnished inaccurate information inn credit report Account detail differ incompleteness for XXXXaccount status says derogatory but payment status says charge offdate opened differs. Balance is reported XXXX but reports say charge off. High credit all bureaus differ.credit limit differ. Past due is a balance is XXXX. It shouldnt have a balance if its a charge off. Last reported dates differ. Comments all differ. Date last active all differ. Last payment differ. 
Payment History has incompleteness Capital one had furnished inaccurate information this information has not been validated after requesting
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to formally dispute a late payment on XX/XX/year> that has been reported on my credit file regarding my account number [ XXXX XXXX XXXX ]. I believe this information is inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681a, 15 USC 1681s-2, and 15 USC 1681a ( 2 ) ( A ) ( i ). Under 15 USC 1681s-2, furnishers of information are required to provide accurate information to credit reporting agencies. I have reviewed my payment history and found that the reported late payment is incorrect. Additionally, according to 15 USC 1681a ( 2 ) ( A ) ( i ) With emphasis on 15 U.S.C. 1681 2 ( a ) ( i ) it says clearly that the consumer report does not include transactions or experiences and i do know that transactions and experiences are dealing with payment history, a consumer reporting agency must ensure that the information it provides is accurate and reflects the true payment history. I request that you investigate this matter and provide me with any documentation you have regarding the late payment, including the date it was reported, the amount involved, and any relevant correspondence related to my account. I am confident that upon review, you will find that this late payment should not have been reported. I would like this to be updated to paid on time, Please address this issue promptly, as it is affecting my credit score and overall financial standing. I would appreciate a response within 30 days to ensure we can resolve this matter efficiently. Thank you for your attention to this important issue. I will also be forwarding this dispute to the attorney general of my state.
Consumer complaint received 2021-11-06
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: JPMORGAN CHASE & CO. (NJ)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

2. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2021-11-08
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

I am XXXX XXXX and I am submitting this complaint myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The 3 Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : CAPITAL ONE XXXX Balance Owed : {$1100.00} ; CAPITAL ONE XXXX Balance Owed : {$7400.00}
Consumer complaint received 2021-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (CA)

Two charges on my credit card or in dispute because I did not make the charges or order anything from the company. Credit card company said I would not be charged a late fee because of the charges in dispute. They have charged me two late fees even though they said they would not. I have much difficulty trying to talk to somebody at the company, and they have no email address that I can find.
Consumer complaint received 2021-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The TransUnion credit rating is substantially less than XXXX and XXXX. My FICO from XXXX XXXX is based on XXXX data retrieved on XXXX and is XXXX. 

In the case of XXXX XXXX, theFICO Score is based on XXXX data on XX/XX/2021 is XXXX. 

Transunion says my credit score ranks higher than 61 percent of US consumers. This seems very unlikely since I only have two revolving credit accounts and use a debit card for most of my financial transactions. I owe less than {$7500.00} on my two credit cards and have been paying them off every month for months,
Consumer complaint received 2021-11-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (PA)

Ive contacted The Money Source and reported issues multiple times regarding escrow being placed on my account when my closing documents clearly indicate that my mortgage does not include escrow. Ive spoken to many representatives, managers on both the mortgage and insurance side and this issue is still not resolved. An overpayment in the amount of {$880.00} was made last month to partially cover insurance amounts totaling {$1700.00} that were paid out without my or my husbands permission. Now I received another statement saying my escrow account is short {$1500.00}. The remainder of the {$1700.00} ( that was paid without permission ) after paying the {$880.00} last month, would be {$890.00}. TMS needs to be cited for unfair business practices and this issue needs to be immediately resolved. Ive requested resolutions in writing multiple times and managers have refused. The last excuse that was given by the manager on the insurance end, was that they dont have the ability to free type a letter. Ive also requested additional manager call backs and no calls have been received. I am considering refinancing just to get away from TMS. Its disgusting to think that Ill be forced to pay closing costs yet again because of a companys unfair business practices. They should be fined for knowingly converting a non escrow mortgage to an escrow mortgage without permission.
Consumer complaint received 2023-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} U S DEPT OF EDXXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$12000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$480.00} US DEPT OF EDXXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 CPS XX/XX/2022 XXXX XX/XX/2022