davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Dear CFPB, I am writing to formally file a complaint regarding the handling of my credit report by XXXX, Equifax and XXXX. Despite my efforts to correct inaccuracies related to my address and name, the credit bureau has failed to update their records accurately. 

I have previously disputed the incorrect information related to my old address and name. I submitted all necessary documentation, including my current identification with the correct address and name. However, the credit bureau has incorrectly updated their records as accurate, disregarding the evidence provided. 

This has caused significant inconvenience and potential impact on my credit profile. I request your assistance in resolving this issue and ensuring that my credit report reflects my accurate and current information. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2021-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (NC)

Navy Federal Credit Union ( NFCU ) Stated that I exceeded by credit limit and the balance carried over to next bill. This is not true. I always pay my credit card off every month as I did a week ago. During the pay off last week, I had a credit card fraud, so NFCU cancelled my credit card and issued me another credit card. During this transition somehow it showed I exceeded my credit limit and the balance carried over to the next bill. XXXX  and XXXX  lowered me and my wife 's credit score by 35 points - now at XXXX. XXXX/XXXX/NFCU needs to correct this immediately. My credit score should be XXXX and my wife 's should be XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX
Consumer complaint received 2021-07-24
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. (AL)

I sent letters to have items verified to the credit bureaus and have not received a response. Letters were sent on XX/XX/2021 and items have not been verified or removed. Items have been listed as investigated, and has dropped my credit score but I have not received any notification electronically or by mail with an explanation. I have sent more letters on XX/XX/2021. I am looking to become a homeowner and this is really hurting my chances and hurting my scores.
Consumer complaint received 2021-07-26
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. (SC)

I contacted Equifax explaining that I was sending this identity theft because someone was attempting to open accounts in my name they did nothing but continue to report the same information.
Consumer complaint received 2021-07-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (IN)

This company AFNI inc. has been harassing me about money they say i owe them. I have never done business with then or the company they represent. I disputed it with all of the credit bureaus. They removed it every time. This company has been sent multiple cease and desist orders via mail, email, and fax. They continue to harass me and provide no proof of anything. They also continue to report to the credit bureaus even though every time its invalid and it gets removed. If it continues i will be taking legal action against this horrid company.
Consumer complaint received 2021-07-26
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. (MD)

I am being violated according to my studies of the fcra. I have been disputing with transunion, XXXX and XXXX about an alleged bankruptcy they are reporting. It is defamation of character and effecting my credit worthiness. I have asked for verification of the source of where they got their information. I was not produced with anything but mail stating that it is verified. But how was it verified? I asked for documentation which was not sent within the 30 day time limit. I didn't give permission for this information to be furnished. There is no permissible purpose to furnish. No proper investigation was done and no documentation was received so I believe the information should be deleted. The laws are highlighted and attached. You are in violation of the FCRA 1681a ( 2 ) b and c 1681 ( a ) e 1681b alway 1681d ( 3 ) if this is not corrected I will seek litigation
Consumer complaint received 2021-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Upon reviewing my updates, incorrect information was found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized.. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX/XXXX  XXXX-Date of inquiry XX/XX/XXXX XXXX  XXXX  XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX of inquiryXXXX XXXX XXXX/XXXX  XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX, XXXX  XXXX-Date of inquiry XX/XX/XXXX XXXX/XXXX-Date of inquiry XX/XX/XXXX XXXX  XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX  XXXX-Date of inquiry XX/XX/XXXX XXXX/XXXX-Date of inquiry XX/XX/XXXX XXXX  XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (FL)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-08
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: Experian Information Solutions Inc. (AL)

Previously, I have asked the credit bureau to investigate the accounts listed below for accuracy. I received an updated reporting stating accounts were verified and are accurate. I ran a recent report and have attached detailed information arguing that an investigation has not been done. I sent these letters certified XXXX, and XX/XX/23. 

XX/XX/23 Certified Mail Tracking XXXX XX/XX/23 Certified Mail Tracking number : XXXX XX/XX/23 Certified Mail Tracking XXXX In accordance with the Fair Credit Reporting Act, the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. Account Name : XXXX XXXX XXXX I Account Number : XXXX XXXX Name : XXXX XXXX XXXXXXXX Account XXXX : XXXX 3.Account Name : XXXX XXXX XXXX Account Number : XXXX  4. Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX, has violated my rights. 

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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-08
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: Experian Information Solutions Inc. (PA)

I recently received a copy of my consumers reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B 1. XXXX XXXX XXXX {$690.00}
Consumer complaint received 2021-07-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (MD)

This communication is a follow-up in regards to closed complaint XXXX Southwest Credit Systems, L.P.is in clear are violating federal laws against my person and natural person and of the FDCPA Laws. From their previous response to my original complaint, there is a clear admission of guilt. The Affidavit of Truth, debt validation form/letters, and correspondence, as well as exhibits, have all been ignored. 

Southwest Credit Systems, L.P. responded by sending a letter with absolutely no information and did not include the requested information from any of the correspondence sent out with certified mail validation. This included NO notarized under penalty of perjury Affidavit of Truth responding to my Affidavit of Truth line by line signed by the CEO, CFO, or any superior of Southwest Credit Systems, L.P., NO completion of the debt validation form, I have yet to receive validation on behalf of the account with any contract bearing my signature stating I would be responsible to pay any debt to Southwest Credit Systems, L.P., LLC or any company that they represent and whom I have no contract with for an alleged debt I do not owe. Instead, I have received numerous debt collection attempts and itemized report statements as " proof '' that said debt has been validated from the " original creditor '' XXXX and which per FCRA/FDCPA does not constitute verification. Please note that on XX/XX/2019 the CFPB released its Fair Debt Collection Practices Act Annual Report and it stated the following : The Bureau notes that one or more debt collectors continued collection activity despite not properly obtaining and mailing debt verification after a consumer exercised his or her 1692g rights. Specifically, the Bureau calls out the practice where debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to the consumers. Section 809 ( b ) of the FDCPA requires a debt collector, upon receipt of a written debt validation request from a consumer, to cease collection of the debt until IT ( meaning the collection agency ) obtains verification of the debt and mails it to the consumer. Examinations found that one or more debt collectors routinely failed to mail debt verifications before engaging in further collections activities.
Consumer complaint received 2021-07-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (FL)

I have a XXXX XXXX backed mortgage being serviced by Mr. Cooper. I have been on a COVID FB for the last year while also going through a separation with my partner. I called the other day to inquire about the post COVID options since I am back working. I told them I can not afford the current payment but close to it ( XXXX dollars. ) They approved a trial plan at a hirer payment amount then I am currently paying ( not due to an escrow shortage, my escrow is up to date ) without terms included. I was advised on the phone they are doing term extensions to 40 years ... why to make us pay more interest and take advantage of the situation. How am I expected to accept an offer without terms and have no idea what my payment will be at the end.I do not want a 40 year mortgage. What am I agreeing to? If I decline it I will not be eligible for a streamline post COVID mod ... this does not seem fair and I feel like I am being back in a corner.
Consumer complaint received 2021-02-19
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/XXXX approximately 200 dollars was stolen off of my DETR unemployment debit card ( Bank of America ). I promptly filed a dispute with BOA .Within a few weeks in mid XXXX I was notified by Bank of America that they were not pursuing the matter any further & they were closing the file. XX/XX/XXXX my card was declined at a merchant & subsequently my card/ funds were frozen Without any explanation from Bank of America ! Every time I would call BOA they would tell me to contact DETR & theres nothing they could or would do about the situation! DETR would tell me speak to BOA. On XX/XX/XXXX I submitted verifying documents drivers license, social security card to DETR & was told they would be forwarded to Bank of America & my card would be unlocked to access my funds, so far As of today XX/XX/XXXX I havent heard anything from BOA! I am beyond frustrated with the slow pace & lack of transparency of this situation. My bills are pilling up & I am struggling to make ends meet. BOA has had more than enough time to rectify this situation! I sincerely hope by filling this complaint I will receive some action on the situation being that my financial situation has grown dire because of negligence by Bank of America!
Consumer complaint received 2021-07-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

Okay, here we go again. So on XX/XX/XXXX Ocwen changed the name of the fake insurance they paid from XXXX  to XXXX. They did this to hide the scamming. So let me enlighten you by attaching it. Just scroll to XX/XX/XXXX and wow what do you know-fraud. Neither one of these insurance companies exist. Ocwen would purposely not pay your insurance on time and then force their insurance down your throat. Don't believe me? No worries I will prove my point. Click on the attachments and read what the insurance agents had to say. I have been waiting since XX/XX/XXXX and it's XXXX/XXXX/XXXX for the checks we were charged for. Sure is taking a long time to send that proof over. Why do you refuse to send these XXXX? 
You keep sending me letters that I am not being clear about my complaints. You sir are the one that writes inuendos and refuses to supply the information requested. You state that it is just a waste of time and so many emails. Maybe XXXX you would not get so many emails if you would send the information over. How many times do you need to be asked? So I guess the XXXX complaints online and the numerous lawsuits are all make-believe? 
Quit telling me I can not contact my mortgage company. You do not have that right. Your 2 months of knowledge does not justify you know the logistics of this XXXX loan. So email me what I have asked for instead of the same bs.
Consumer complaint received 2021-07-23
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: Early Warning Services, LLC (MD)

I am a victim of identity theft. I have never opened a checking account with XXXX and i have sent in my police report my FTC report to EARLY WARNING SERVICES and all they keep saying is its veried but they will not send me proof. I WOULD LIKE THIS ACCOUNT REMOVED IMMEDIATELY FROM MY ACCOUNT AS I DID NOT OPEN THIS ACCOUNT and this is defamation of character.
Consumer complaint received 2021-07-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (TN)

On XXXX, services were rendered to me for preventive care and screenings. During that time I had healthcare coverage through XXXX XXXX and the visit was free because they were covered under the Affordable Care Act. I do not recall receiving a bill from XXXX XXXX. In XXXX of 2021, I saw a negative report on my credit from a company called Radius Global Solutions in regards to a collections account in the amount of {$630.00}. I disputed it because I thought it was a result of identity theft, because I was unaware I owed any medical debts. They reported back to the credit bureaus that the debt was accurate. I disputed the report two more times after that and they continued to report the debt was accurate. After the 3rd dispute, Radius Global Solutions mailed me a letter on XXXX XXXX from the original company ( XXXX XXXX ) stating it was the final notice and the amount owed was {$630.00}. I found paperwork from my insurance company stating that the claim for those services were paid and that I did not owe anything to XXXX XXXX. On XXXX XXXX I replied by mailing them a letter stating that the debt they were reporting was false information and asked them discontinue reporting the false information to the credit bureaus. I also included proof of my insurance stating they already paid for the services due to it being free because of the Affordable Care Act. As of today XX/XX/2021, I received a notification from XXXX  stating that Radius Global Solutions has once again reported the debt as valid and has decided not to remove the collections account from my credit report despite the evidence that was provided that the debt was not owed.
Consumer complaint received 2021-07-23
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. (NY)

XXXX Placed me on collection with out proper notification and when I looked at my Credit reports XXXX, XXXX, Transunion, all the information on it was wrong. Date opened date closed on my report and Dollar amount was wrong as well. Worse of all when the account was closed, XXXX sent an email and it said that I have a credit. I have written to all the credit bureau 's but with proof of full payment and dates open and closed they correct that issue but refuse to remove the false collection of which was paid in full. But they all write back saying that the account was verified
Consumer complaint received 2021-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX  is affecting my credit. They have false / erroneous items on my account .... These erroneous items are affecting me tremendously. I have called to have the information removed these false late payments are dragging my credit score down.
Consumer complaint received 2023-06-08
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: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX I am writing to formally request the deletion of certain negative account from my consumer report, which has been reported by XXXX XXXX XXXX XXXX ( account # XXXX ) without my explicit consent to your agency, which fall under non-affiliated third parties. I have also noticed inaccuracies in the reporting of a charge off regarding this account. According to the FCRA, credit reporting agencies are responsible for maintaining accurate and up-to-date information. These entries violate the provisions outlined in the Fair Credit Reporting Act ( FCRA ), specifically : 15 USC 1681a ( 2 ) ( a ) ( i ) - ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report 15 USC 6802 - Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) Opt out ( XXXX ) In XXXX XXXX XXXX XXXX not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 USC 1681 Section 604 A Section 2 - A consumer reporting agency can not furnish an account without my written consent.

15 USC 1666b - A creditor may not treat any payment on a credit card account under an open-end consumer credit plan as late for any purpose