davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-29
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CARRINGTON MORTGAGE SERVICES, LLC (LA)

Was denied assistance on my loan with Carrington Mtge for the fourth time. They advised me to appeal the deck on each time wit no success. My daughter lives with and I submitted her income to show extra income. I was put in forebearance and I feel that applying for assistance was just a way to put me further behind on my payments, Now the only offer is to liquidate my home. XXXXXXXX XXXX sold the mortgages to Carrington which was a XXXX Rural development loan. I called XXXX and was told, they show no record of a guaranteed loan with this address. I called HUD and was set up with a counselor, Carrington refuse to give her information about the decision on the loss mitigation. XXXX XXXX, HUD counselor. Her phone # is XXXX XXXX XXXX. I feel I was denied the CARES act and this company uses predatory tactics to take people properly. My husband is deceased. I sent death certificates and did a succession on property and they still have on the loan. 
I do plan to seek legal representation but I feel I do not need to pay for a lawyer for their shady tactics. What is the next step in government to address a complaint.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (CO)

On XX/XX/XXXX I contacted Nelnet to ask for an Income-Based Repayment Plan, and it was approved. I received a letter that stated that it would take some time to show on my Nelnet account, but that my qualifying loans would be {$33.00} starting at the end of XXXX. I tried multiple times to contact Nelnet because I did not see it on my account online. Not only that, but I contacted them and asked for a forbearance to make sure that my account would not go past due. Nelnet did not apply the forbearance on my account, and then they reported 90 days past due to all three credit bureaus. They reported that I was past due in the amount of {$710.00} which was not true. I have attached the letter that was sent to my online Nelnet account. I spoke to Nelnet XXXX XX/XX/XXXX after receiving notifications that my credit score had dropped XXXX XXXX due to Nelnet adding a 90-day past due to my account. They told me that they would apply the forbearance and that they would dispute my account to the credit bureaus, but I never received confirmation. I was on the phone for over 4 hours. They have ruined my credit score and I need it fixed. I was in the process of a loan, and now I am not able to. 
I need this fixed. I did everything on my part and they did not! Not only that, but I contacted Nelnet by email, chat, and phone calls, and nothing! I have been on hold for hours just to get hung up on. My credit score dropped thanks to them and I need it fixed. They ruined it and I have been super upset.
Consumer complaint received 2023-07-08
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. (AZ)

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. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX, and XXXX XXXX XXXX Account Number XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 an 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 2024-06-22
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. (FL)

I AM A VICTIM OF IDENTITY THEFT AND I WENT TO THE AUHORITIES TO REPORT THE FRAUD I WAS TOLD MY AN XXXX THAN I WILL NEED TO CONTACT THE COMPANY AND THE XXXX XXXX XXXX TO MAKE THEM AWARE OF THIS. I PROVIDED THEM WITH THE REPORT AND EVERYTHING THEY ASKED ME TO SEND AND THEY ARE REFUSING TO REMOVE THE ACCOUNTS ON MY CREDIT FILE. I REQUESTED ALL CONTRACTS AND INFORMATION RELATED TO THE ACCOUNTS AND LOAN TO BE SENT TO ME I HAVE YET TO RECEIVE ANYTHING. There is an auto loan reporting twice at XXXX different amounts I'm unsure but I will list them below. 

I AM REQUESTING THAT THESE ACCOUNTS listed BELOW BE REMOVED FROM MY CREDIT FILE XXXXXXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX XXXX XXXX Original XXXX XXXX XXXX Balance {$1600.00} XXXX updated XX/XX/XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Balance {$9900.00} XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX Original creditoXXXX XXXX  Balance {$2200.00} Balance updated XX/XX/XXXX XXXXXXXX XXXX XXXX  {$140.00} Open balance Original creditor XXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mos XXXXXXXX XXXX XXXX  XXXX Last reported XXXX XXXX, XXXX {$16000.00} Reported balance XXXX XXXX XXXX XXXXXXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX XXXX Account charged off. {$15.00}, XXXX written off. {$16.00}, XXXX past due as of XXXX XXXX. 
{$25000.00} OVERVIEW Highest balance {$25000.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos )
Consumer complaint received 2024-06-22
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. (SC)

This XXXX account was deleted from my equifax credit report and equifax put it back in my credit report the investigation was finished and the account was deleted from my credit file it has not been reinserted back into my credit file the credit law says that and account that has been deleted can not be inserted back into a credit report i have attached documents that prove this account is fraud
Consumer complaint received 2024-06-22
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. (NJ)

I had moved and returned free equipment using provided label. Years later I see the late account and contact XXXX, also filed dispute. 
XXXX said the would remove the entry, as it was not a paid account at all, but free Internet program. 
Now I find they marked it paid and credit reporting will not remove it I can provide suprring documents
Consumer complaint received 2024-06-22
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. (OH)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-03
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. (VA)

The bottom line Even those who want access to your report can only ask for it if they have a legally permissible reason to do so. Both the credit reporting bureau and the person seeking access without a permissible purpose can be held liable if they breach the FCRA.
Consumer complaint received 2024-06-22
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. (FL)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2023-11-05
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: U.S. BANCORP (CA)

On or about XX/XX/XXXX, I put a refundable {$500.00} deposit on a new vehicle with XXXX XXXX. Because XXXX XXXX was unable to fulfill a new vehicle purchase, I requested a refund on my deposit. Per the dealership ( XXXX ), a full refund was processed. I did not receive any receipt of this refund but the dealership assured me that the refund was processed. After a couple of weeks, I inquired with the dealership because the refund did not show up in my US Bank account. XXXX from XXXX XXXX assured me they processed it but that if it doesn't show up on my account, to contact my bank so they can situate it. Because the refund never showed up, I opened a dispute over the phone with US Bank. Some low performing US Bank employee that has comprehension issues took almost an hour over the phone just gathering information from me and failed to open the dispute properly. He used an incorrect dispute reason, unsure if this is a lack of training or not but I ended up receiving a dispute form and faxed it over on or about XX/XX/XXXX. I then had to go to a US Bank branch to refax it because the form was supposedly never received. As of today, I am being asked for a credit voucher when I clearly never had XXXX from the beginning. I want this transaction credit back to my account, all interest charges credit back to my account, and all late fees credited back to my account. I also want to make sure that any type of notes or status markings on my account reflecting that I paid late need to be removed. Thank you.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I am writing to address an issue concerning an account listed on my credit report. The account in question XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has been a subject of dispute due to discrepancies and unresolved issues. Specifically, there are inaccuracies in the reported information. Despite previous attempts to resolve these discrepancies directly with your company, the issues remain unresolved. I am formally requesting a thorough investigation into the validity and accuracy of the reported information. Please provide confirmation of receipt of this correspondence and advise on the next steps to resolve this matter.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-06
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Mr. Cooper Group Inc. (MS)

I tried numerous times to cominicate with Mr Cooper on refinancing my property. After many attemps of talking with Mr Cooper and trying to avoid forcloser during XXXX. The end results involved me selling my property. i feel i was railroaded out of my home and over charged by Mr Cooper when i sold my home.
Consumer complaint received 2024-06-22
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. (MA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I was monitoring my credit score evening of XX/XX/year> and noticed my score had decreased. I then noticed that a XXXX XXXX XXXX XXXX  XXXX was opened on XX/XX/year> in my name and showed up on my credit report. This was not done by me or anyone in my family. I called XXXX XXXX credit customer service at phone number XXXX. They did freeze the fraudulant account. They did confirm there was a {$800.00} credit limit on card with {$600.00} already spent on the card. XXXX XXXX credit card service then said they will forward my information to their fraud department and I will get information in the mail regarding the fraudulent activity. I then applied a fraud alert on Equifax.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (OK)

Pursuant to 12 CFR 1026.13 - Billing Error Resolution- I have disputed the account. Pursuant to 15 U.S. Code 1666b ( a ) Notice, it is fact affiant is aware 15 U.S. Code 1637 ( b ) ( 2 ) ( a ) refers to a request to resolve a billing error by providing all documentary evidence for clarification of who funded this account and whose obligation it is to pay this alleged debt on this account. Until then the company can not report late payments in accordance with the regulations of the Bureau 12 CFR 1026.13 ( d ) ( 3 ). Pursuant to 15 U.S. Code 1666 ( e ) If the creditor does not provide all documentary evidence as defined under 15 U.S. Code 44 this will result in a billing error and the creditor forfeits all rights to collection on the amount that has been identified in dispute. Notice, it is fact affiant is aware that without resolving this billing error the creditor has legally agreed to forfeit all rights to collect on the amount in dispute pursuant to 15 U.S. Code 1666 ( e ). Pursuant to 16 CFR 433.3 ( b ) ( 4 ) a contract which in a contract which includes a waiver, condition or limitation for a debtor to assert rights for claims or defense against a seller is void. Notice it is fact in accordance with 15 C.F.R. 433.3 ( b ) ( 4 ) I the affiant has reason to believe and do so believe a contract can not and does not constitute as documentary evidence or contain a negotiable instrument or contain any waiver, limitation, term, or condition which has the effect of limiting a consumer such as I, XXXX XXXX, the affiant any right to assert against any holder of a contract with any and all legally sufficient claims and defense which could be asserted against the seller of goods and services and in all subject matter pursuant 16 C.F.R. 433.3 ( b ) ( 4 ) said contract is unenforceable and void. Notice in fact a contract has not given the consumer the full disclosure of said contract with any written, oral, known or unknown subject matter shall not constitute as documentary evidence. I the affiant have reason to believe and do so believe the company has failed to meet all requirements established in 16 C.F.R. 433.2 ( a ).
Consumer complaint received 2024-06-22
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. (FL)

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. 

Account Name : 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 

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 2024-06-22
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. (GA)

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. 

Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2024-06-04
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. (AZ)

I am disputing and investigating these wrong accounts on my credit file. I should get {$1000.00} for each mistake under the Fair Credit Report Act. FCRA 605B says we must report wrong accounts on a credit report.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.