davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-02
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Exeter Finance, LLC. (OK)

Received a call from ( XXXX ) XXXX and voicemail left at approx XXXX XX/XX/year> from Exeter Finance XXXX I do not owe this company money. I have not borrowed money for a car loan. I recently filed a complaint on this CFPB website against the same company for the same problem. 

I must share the same name as a customer that does owe Exeter Finance money because this would be the third time Exeter has contacted me. I have spoken with them three different times on the phone and filed the previous complaint yet they called me again. I do not know what it will take to make this calling stop but I do wish to pursue it, be it a fine or whatever.
Consumer complaint received 2024-08-15
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. (NY)

I am writing to express my deep concern regarding the disputed accounts on my credit report. Despite my repeated efforts to bring these inaccuracies to your attention and my consistent requests for thorough investigations, no resolution or corrective action has been taken. These errors are causing significant harm to my credit file and are severely impacting my ability to live a normal life. The consequences of these inaccuracies have caused considerable hardship, leaving me with no option but to urgently seek your help in resolving this matter. 

I respectfully request a thorough investigation into each of these disputed accounts. It is crucial that the necessary steps are taken to promptly update and correct my credit report. With your assistance, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your cooperation and support in resolving this issue would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

It is disheartening to know that my rights as a consumer is being violated. I value my credit score a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. I've been trying to fix this for some time and my requests kept getting ignored and/or disregarded to rectify these issues and my concerns regarding the inaccuracies in my credit report.
Consumer complaint received 2024-08-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

I disputed and got no where on the credit to improve so I requested the credit bureaus to next explain there verification process so I cant see how they came down with they verified my account Violations 1681n,1681g,1681i,1681s-2,611,616,617,623,602Asec2,604A
Consumer complaint received 2024-10-02
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: Spring Oaks Capital, LLC (TX)

I am filing a complaint against Spring Oaks Capital regarding account XXXX. Spring Oaks Capital purchased this debt from an original creditor that is not registered in Texas, and their right to conduct business has been forfeited. This raises serious questions about the legitimacy of the debt. I have notified this collection agency numerous times that I do not have an obligation with the original creditor listed on my credit report. Spring Oaks Capital is falsifying information and harassing me as a consumer. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to protection against such practices. I demand that all collection efforts cease and that this account be removed from my credit report. I am maintaining a paper trail of all correspondence related to this matter. I urge Spring Oaks Capital to XXXX XXXX XXXX XXXX, XXXX, where the court held the collection agency accountable for failing to verify accurate information.
Consumer complaint received 2024-10-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC (ME)

Within the past XXXXXXXX XXXX my mortgage has changed from XXXX XXXX to XXXX XXXX as of XX/XX/XXXX, in which XXXX XXXX no longer accepted any payments after XX/XX/XXXX. All of my payments were on time and processed accordingly. I mail all of my mortgage payments, as I do not want an ACH payment. As of XX/XX/XXXX, my mortgage was sold again. This time to Selene Finance. I was notified via mail of the change and then called XXXX XXXX  to confirm this and confirm the new address. I mailed out my payment as I normally do. I received my XX/XX/XXXX statement on XX/XX/XXXX, in which I had already sent my payment in and had {$470.00} in late fees, and a balance of {$4000.00} on this statement. Per my credit union this check was cashed on XX/XX/XXXX and never reflected. I called and requested additional information regarding this balance and have yet to hear anything. Continuing throughout these months, my checks have been cashed up XXXX to XXXX XXXX after being mailed. I have been given late fee after late fee, they have reported XXXXXXXX XXXX XXXX late to the credit bureau. I sent a letter on XX/XX/XXXX requesting more information with an attached spreadsheet of all the payments. On XX/XX/XXXX I received a letter from Selene Finance stating that they received my request and legally need to answer within XXXX XXXX XXXX. It is now XX/XX/XXXX with no response. 
They continuously try to call me up until XXXX and I have requested to have all information sent via mail. They have failed to follow this request. I am unsure of what to do as they still state that I am almost {$4000.00} behind.
Consumer complaint received 2022-08-31
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. (NJ)

XXXX continues to negatively pull my credit for something I did not do in XXXX. I tried to deal with the issue on numerous occasions but to no avail. I submitted a fraud report through the federal fraud department, because now the police department in my city doesn't physically accept fraud reports. I was XXXX  during the time in question, but XXXX says they can not remove the negative items although I submitted proof of XXXX  from the NJ XXXX XXXX XXXX and NJXXXX. I was XXXX  from XX/XX/XXXX until I was XXXX  XX/XX/XXXX
Consumer complaint received 2023-11-17
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. (IL)

15 U.S.C 1681 section A section 2 also states a consumer reporting agency can not furnish a account without my written instructions ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in con 15 u.s.c 1681 section A states I have the right to privacy These accounts violating my rights XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (MI)

My federal student loans through Mohela were forgiven XX/XX/2023 but are still being reported as if not closed and show original balanced. I have asked the company to update all three credit bureaus and have been ignored. This information is inaccurate and needs to be updated immediately.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MN)

The following auto Loan account, student loan accounts, credit card accounts and hard inquiries currently listed on my XXXX XXXX, Experian and XXXX credit report are unauthorized and not my accounts, student loans or hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

They continue to call even when I have told them to stop calling and I was not paying a debt I don't owe. The debt was not correct and they haven't changed it so I am not paying it until fixed. They continuously call me multiple times throughout the day and I have repeatedly told them to stop
Consumer complaint received 2021-02-15
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. (GA)

Transunion LLC. Attempts to continue to break FCRA laws and send me same investigation results continuously that they have investigated again. They are report inaccurate bankruptcies after I gave them identity theft reports and information regarding violation of my rights. I want legal aid information to sue Transunion llc in the court of law. Their results says Verified but unspecified information??? If you verified, you should have revelant information including adjudication and adjuction dates which they fail to provide. This is hurting my attempts to obtain credit because they are reporting that I'm in active Bankruptcy and I'm being denied credit.. Im not in a bankruptcy or in a filed bankruptcy which they reporting I am. FERDERAL court did not communicate or verify with Transunion the above records : XXXX, XXXX, XXXX, XXXX are not my cases. Proved with identity theft reports sent to transunion llc.
Consumer complaint received 2024-08-14
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. (SC)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report 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 relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-11-17
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Peer Advisors, LLC (NC)

XX/XX/XXXX and XX/XX/XXXX Request for funds. 
XX/XX/XXXX Compu-Link representative asked for compliance documents ( which they should have had ) at XXXX XXXX. All requested documents emailed back on XX/XX/XXXX at XXXX XXXX. 
XX/XX/XXXX my mother died. 
XX/XX/XXXX Spoke with Compu-Link to inform them of my mother 's death. Advised them the XXXX would be returning property to them since there were no funds to maintain any expenses due to failure to distribute funds. 
XX/XX/XXXX Spoke with HUD XXXX again advising the XXXX would be voluntarily returning home to Lender. No funds to pay any expenses nor repay loan.Said they would escalate services to return the XXXX. Received letter on XX/XX/XXXX outlining options but no plan to proceed. 
Have communicated with Customer service, Loss Mitigation and Pay off by email, fax and XXXX tracked letters since then. Dates include XX/XX/XXXX, XXXX, XXXX. 
Called XXXX XXXX XXXXXX/XX/XXXX twice. 
Hired a lawyer who sent certified letter on XX/XX/XXXX. 
I still have had no response with a plan to return this property.

They have received all necessary documentation including Death Certificates and Probate Certificate. 
This is an unacceptable delay. Also the failure to release funds to my mother that she needed for her expenses needs to be investigated. The excuse that she did not submit compliance documents is untrue. In fact I have a letter that was sent to her by Compu-link when they took over from XXXX telling her no action was required on her part. 
I need this matter resolved at once. The Lender must assume the property immediately. 
The public also needs to be aware of the suspect treatment of elderly people trying to obtain funds and the hardship created by these unnecessary delays in returning property.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Systems,Inc. (GA)

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX according to XXXX  Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within 4 business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking debt bondage and would like for all listed accounts to be blocked and deleted company information with XXXX, XXXX and XXXX. Please delete the following accounts : XXXX XXXX XXXX {$300.00}, XXXX {$160.00}, XXXX {$7800.00}
Consumer complaint received 2023-11-16
Product: Credit 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: JPMORGAN CHASE & CO. (NY)

In response to CFPB complaint XXXX in which Chase alleges they neither confirm nor deny the phone conversation with demonstrably false lies made by Chase representative in a phone call XX/XX/XXXX. 
This is evidence of further Chase misconduct. Chase bank is concealing its misconduct by implying phone calls with them are not recorded for quality purposes even though I *never* opt-outed of recording my phone calls for quality purposes. 
( 1 ) Why is Chase not able to confirm what its own Chase representative stated to me on the phone dated XX/XX/XXXX. 
Even worse, XXXX a more senior representative from JP Morgan Chase Executive Office XXXX extension XXXX failed to provide me his promised follow up phone call after his initial call on XXXX XXXX XXXX  informing he receiving my CFPB complaint. XXXX promised a follow up call at conclusions of investigation. He never called. 
My position remains that chase representative explicitly promised she would ask merchant to give me refund. 
My further position is my current chase account states we resolved your dispute yet I have not received any credit. ( as attached ). 
( 3 ) How can a dispute investigation be completed in less than 30 minutes after a phone call on XX/XX/XXXX. 
Chase is aware of its wrongdoing here because Chase is in possession of all timestamps of my phone calls and email ( s ) received relevant to this complaint, chase is intentionally ignoring the timestamps for the purpose of denying wrongdoing and evading culpability. 
As alleged, and re-alleged, Chase is preventing me from opening any dispute towards the quality of the aformentioned service.
Consumer complaint received 2024-10-09
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (CO)

My mother back in 2015 put in a loan under my name without my permission and I was not aware of this. I was in school at the time trying to get an education for myself and she told me I was going to school and she was paying for it and the money I would receive " extra income for school '' I was demanded to send back to her.. I had no idea at the time what she was doing to me. She has taken credit cards out in my name as well. Since then I have tried to apply for FASFA but they tell me I am in default stating I applied for a loan but I never did. I would have kept up with this and made sure I paid things on time. She has ruiend my credit. Please help me I am in desperate need to get back into school. Times are so hard and I can't afford to live on the base income of {$20.00} anymore. I want a college education so desperately, and I will do anything I have to do to gain my trust back in order to get a loan for FASFA. Please help me.
Consumer complaint received 2024-10-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates (LA)

Account number XXXX XX/XX/year> the account was open. XXXX XXXX XXXX XXXX. Law offices XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX phone XXXX. Please get this removed for my credit report I have no knowledge of this I tried to dispute this so many times. Thanks in advance. I SENT THEM IDENTY THEFT PAPER AND ALL BUT IT'S STILL NO CHANGES ON MY CREDIT REPORT.