davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-30
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. (TX)

I am a victim of identity theft and identity fraud. After viewing my credit report, I noticed accounts and credit inquiries that I did not apply for or authorize. I immediately contacted the companies in question and notified them of the incorrect reporting and advised them that it is obvious that I have been victimized and that someone has used my personal information to fraudulently open several accounts. Currently those accounts are a XXXX credit card opened XX/XX/XXXX and a XXXX XXXX  credit card opened XX/XX/XXXX. There are also several inquiries on my credit report that I did not authorize. In addition to the ones for the XXXX and XXXX credit cards, there are the following : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX   XXXX XX/XX/XXXX.
Consumer complaint received 2019-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I looked at my credit report and notices some missing payments and a collection account I am unaware of. 

Please investigate the following account need be reviewed and updated : XXXX   XXXX has not reported payments for XXXX, XXXX, XXXX and XX/XX/2019 XXXX XXXX XXXX - Account : {$540.00} Balance {$450.00} Original Amount I do not recognize this account and it does not belong to me please re-investigate delete this account from report. 

I have been wrongfully denied credit due to the following reporting mistakes. I have enclosed my ID and a bill as requested
Consumer complaint received 2019-03-30
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. (SC)

XXXX XXXX  had been overcharging me for 4 years for insurance that I never signed up for. I was paying extra high-interest rates on the account and having a hard time paying this. My account was late several time due to this. My balance never decreased. I finally inquired why my balance was never going down. They finally looked at my account and ended up credited me over {$800.00}. They still reported negative paying status on my account although they were overcharging me. 

I recently paid them off and they are still reporting that I owe {$82.00} on my account. This is impacting me applying for credit. The negative reporting status and can not get my balance to show paid off.
Consumer complaint received 2019-04-30
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. (NY)

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT REPORT AND I WOULD LIKE FOR YOU TO CONDUCT A RE-INVESTIGATION INTO THOSE DEROGATORY MARKS.
Consumer complaint received 2019-03-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (TX)

I have tried to dispute a cable bill with XXXX because it has been paid XX/XX/XXXX. XXXX has yet to remove this balance. I have tried disputing XX/XX/XXXX and XX/XX/XXXX and both times they claim they have accurate information. I have contacted XXXX XXXX the original creditor and they have indeed confirmed it was paid and sent me the receipt and bill. I also disputed with XXXX and they HAVE removed it.
Consumer complaint received 2024-11-04
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: SYNCHRONY FINANCIAL (NC)

My name is XXXX XXXX, and I am a small business owner who has worked tirelessly over the past few years to grow my business and achieve self-sufficiency. However, I am currently facing a critical challenge that threatens my business 's survival and my financial well-being. 

For the past XXXX years, I have been in an ongoing dispute with a company I believe is posing as Synchrony Bank. This company has been adamant about not removing a charge-off from my credit report, despite my receiving a Form 1099-C for canceled debt in XX/XX/year>, which I reported as income on my tax return. While other credit reporting agencies have reflected this correctly, this particular company has refused to update or correct the record, despite multiple phone disputes and submissions of evidence. 

The refusal to amend this credit report has severely impacted my ability to access business funding, putting my livelihood and that of those I employ at risk. I believe this company 's actions may be deliberate and malicious, effectively stifling my efforts to grow my business and continue contributing to my community. This misreporting has placed undue stress on my finances, nearly forcing me to close my business. 

I am respectfully requesting your intervention and assistance to ensure this company corrects my credit report and ceases any wrongful reporting practices. Additionally, I am exploring options for compensation due to the hardship and harm this situation has caused. 

Your attention to this matter is greatly appreciated. I can not continue to bear this unjust burden alone. I need help to breathe and move forward. 

Thank you for your time and assistance.
Consumer complaint received 2019-03-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (GA)

XX/XX/2019 Just because the company responded does not mean the complaint is closed. I need cfpb to actually protect consumers. Forward this complaint to the appropriate regulatory body for mortgage lending. Does it matter this company continues this practice or has multiple complaints that you can view just be " XXXX '' their name? 

SLS sent a letter stating I was 15 days late but no mention of the attachments in complaint number XXXX ( see attached ) showing no payment due. I am attaching the documentation AGAIN so SLS, who shows they have no understanding based on their response, corrects the mistake based on their own documentation.
Consumer complaint received 2019-04-30
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. (NV)

After being in XXXX for a whole year I came back to discover that some credit cards had been open in my name without my consent or knowledge. I sent paperwork to each credit company and each one has been very good except for Equifax. They still have one fraud account left which is hurting me very much. My bank ( XXXX XXXX ) has recently closed a line of credit worth {$25000.00} and I am sure this one bad account has something to do with it, so I really need Equifax to clear this last fraud item from my report please!
Consumer complaint received 2019-03-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MA)

Ditech has arbitrarily changed my monthly payment due XX/XX/XXXX to include an absurdly high monthly escrow request. This started with an escrow analysis in XX/XX/XXXX which was in error and I immediately informed Ditech of the error. I have sent numerous emails through their internal system, sent faxes to their published fax numbers, and qualified requests to their published qualified request address and have received no correspondence regarding the error and it has not been corrected. 

I made my mortgage payment already for XX/XX/XXXX and it has been received. Unfortunately, Ditech has misapplied it, dividing it arbitrarily between principal and escrow rather than the first to the principal and interest payment due with the balance going to escrow.
Consumer complaint received 2018-06-02
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. (CA)

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, Transunion and XXXX with no successful resolution. XXXX  and Transunion are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Consumer complaint received 2018-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (CA)

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and XXXX with no successful resolution. XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Consumer complaint received 2019-04-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (KY)

My complaint is against Select Portfolio Servicing , Inc. the Servicers of my loan Select Portfolio Servicing became the servicer the beginning of XXXX prior to that XXXX XXXX had the account. I received a letter from XXXX XXXX indicating that they were no longer the servicers but SPS was and that any arrangement or agreement that XXXX XXXX had prior to the change of Servicer that agreement would be honored by Select Portfolio Servicing. The letter sent to me from XXXX in XX/XX/XXXX states that. I continued to work very hard to make sure that XXXX XXXX had all the documents they needed to approve a short pay-off since that agreement would be honored. 

Originally XXXX XXXX agreed to XXXX and that was the current offer on the table. However, as I started working with SPS they were reluctant to allow me to move forward with the XXXX short pay even though that was the agreement with the prior servicer. 
SPS came back later and agreed to a XXXX Short Pay I agreed and moved forward to get the banks offer and closing date. I had to work very hard to remove erroneous property tax charges and other charges placed on my account to hinder me from selling my home outright. 
We were about to close with the Bank and pay SPS as agreed but out of no wheres SPS pulled the agreement and stop the closing. I made a request from SPS to get updated settlement letter from SPS. For the closing but they refused and then backed completely out. They ordered an auction of my home without cause when I have the bank loan to pay the loan off. 
SPS is fraudulent and deceptive practices should be stop. Please review the information I have submitted to show that their activity is very suspect and borderline criminal. 
Please review the fabricated promissory note which has a notary they employ and the signature of the POA that does not exist., please see the attached. I have shown SPS and the investor several times that the original lender was out of business before they finance my loan. The Servicer as well as the attorney knows that the company had no license to do business in this state but continued to do business illegally. 

The attorney General in this state has turned a blind eye to the situation even though hundreds of people have gotten loans and lost their home with the enormous fraud perpetuated by the authorities and those involved in this scam. The notice of error was sent out, but they ignored the RESPA violations. 
There were issues with the closing, but they ignored that the information I provided which show that my loan was never assigned. They have no legal right to foreclose or auction my property.
Consumer complaint received 2019-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

IM REACHING OUT And regards A IMPORTANT MATTER I Recently Applied For A Business Account In Got Denied Because I Notice that I Am in XXXX & XXXX XXXX XXXX, I WOULD LOVE to Explain What REALLY Happen To My Account. Ok I Did Work For A Former client & She Paid Me in A Payment method of A Money Order so I made my first mobile Deposit To my Bank of America Checking Account Not aware That The Money order She give me Was already Mobile deposit In A Another Institution so I reach out to my former Client To verify was the the money order Real or fake She confirmed That it Was not fake because it came from XXXX XXXX but what She didnt tell me she already mobile deposit it in a Nother institution. after I threaten her I Will take her to small court claims She Quickly confess In told me it was already deposited in a another institution before I had the money Order So she paid me in cash. So thats why Bank of America mark That The Money Order Was Fake it was a real Money from XXXX XXXX I had no idea that the money order was already deposited So They Close Out My Account Without a Notice So Im Asking For youre help! I PAID OFF THE Debt IN FULL. So can you guys delete inaccurate information or Even better removing me from XXXX XXXX XXXX Would love a Second chance to start my Financial future back Thank you appreciate it
Consumer complaint received 2019-03-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: ONEGO Inc. (TX)

On XX/XX/19, a payment was submitted from my personal bank account to a loan consolidation company called, " Federal Consolidation '' based out of XXXX, TN for the amount of {$260.00}. The next day, XX/XX/19, this payment was cancelled by the company but I never received the corresponding refund to my bank account of {$260.00}. I spoke with a representative from this company who told me I would be receiving this refund soon. It is now XX/XX/19, and I have still not received this money and I can not reach this company by phone or by email to determine the status of my owed refund. The company has not reached out to me in this period of time to resolve the issue of the refund. I spoke with my federal loan servicer and have requested to cease services with " Federal Consolidation ''.
Consumer complaint received 2019-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

Experian is in violation of Section 623 ( a ) ( 2 ) of the FCRA. 

I have attached an FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ). 

The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to CORRECT. 

Experian representatives told me that because the delinquent payments were accurately reported that any subsequently initiated deferments would not allow for XXXX to update reports to CRAs to show that the payments were not late and actually in deferment. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point. *
Consumer complaint received 2019-03-30
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: Experian Information Solutions Inc. (MO)

These accounts ( 1 ) XXXX XXXX XXXX XXXX, ( 2 ) XXXX XXXX XXXX {$3.00}, ( 3 ) XXXX XXXX XXXX XXXX, all are reporting fraudulently on my credit report. I have absolutely no knowledge of these accounts nor have I authorized the use of my information to obtain these accounts. I have previously on numerous occasions disputed them but the 3 major credit bureaus response was account verified. Now I'm demanding the Method Of Verification inwhich was used to  equate the accounts to me. What department investigated it, what was the employee name, and title, and what certified documentation was used to affiliate the accounts. Please provide me all relevant information or as stated within the FCRA laws, these accounts shall be blocked/ removed immediately from my credit report.
Consumer complaint received 2019-03-30
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: Experian Information Solutions Inc. (GA)

It has come to my attention that I have been a victim of identity theft. Over the past few months I have been receiving a ton of denial letters and collection letters from creditors that I do not recognize. These letters led me to pull a copy of my credit report with XXXX XXXX. That's when I found that my credit had been compromised.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Dear Transunion : To ensure that your company is reporting account 100 % accurately, I would like to know the procedures used to investigate this inaccurate collection account. Did you even conduct an investigation because it is still not reporting 100 % correctly? 
1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX SC XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX SC XXXX 3. CHARGE OFF ACCOUNT CAN NOT CARRY BALANCE XXXX XXXX, XXXX Account Number : XXXX Please remove it from my credit report. 
4. 15 U.S. Code 1643 ( b ) Burden of proof Liability of holder of credit card XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
5. CHARGE OFF ACCOUNT CAN NOT CARRY BALANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. CHARGE OFF ACCOUNT CAN NOT CARRY BALANCE XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. Account was closed XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. Chargeoff can not report balance XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. Chargeoff can not report balance XXXX Account Number : XXXX Please remove it from my credit report. 
10. Chargeoff can not report balance XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Its sad that your company would ignore the FTC guidelines in regard to your investigation efforts. I wonder if other consumers are being affected by your lack of investigation. I would like to know to whom you talked with at the collectors office when you started your investigation? Also, please send me their complete address. In addition, please do not send your template letter on how you conduct an investigation. I want details on how you did this. 
30 days should be enough time to get back with me. 
Sincerely, XXXX XXXX
Consumer complaint received 2019-05-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CURO Intermediate Holdings (TX)

There's a collection from ad XXXX ( speedy Cash ) has been calling and threatening arrest for s debt that I know nothing about! I've requested proof that I received a loan ( signature, paperwork etc. ) But have received nothing! ; yet they refuse to remove it from my credit files! I block the number they call from and they just call from another number. I'm not gon na pay for something I know nothing about
Consumer complaint received 2019-03-30
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. (GA)

It has come to my attention that I have been a victim of identity theft. Over the past few months I have been receiving a ton of denial letters and collection letters from creditors that I do not recognize. These letters led me to pull a copy of my credit report with XXXX XXXX. That's when I found that my credit had been compromised.
Consumer complaint received 2019-03-30
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. (MO)

After a careful review of my credit report I discovered an unknown and unauthorized account inwhich I'm disputing and demanding be removed from my credit report. I would like to know when did this come about, who reported it and what physical contract does the creditor have that confirms my true identity to this account. Please remove/ block this disputed account, ( 1 ) XXXX  XXXX XXXX {$0.00}
Consumer complaint received 2019-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (TX)

On XX/XX/2019 I sent this company letter asking for my credit report, and to update my information while deleting any other incorrect information on my report. **Will attach letter** It has been well over the time given under the FCRA for as compliance for this company to respond to this request. This request is nearly 30 days past due. By the time this complaint reaches the company it will be beyond 30 days past due. 

This company refuses to either send me my credit report. And/or correct these negative items. While it is possible they did not receive this letter, this letter was also sent out with 2 other companies who did receive a similar request and did send and correct this incorrect information.