davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-11-20
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: CITIBANK, N.A. (NY)

I was the victim of credit card information theft. Someone opened an unauthorized XXXX XXXX with my credit card information and booked a hotel room in Florida through a travel website. I filled a dispute with Citi group. They denied the dispute and said they were legitimate charges even thought the name, location etc on the booking is clearly different Than me. I attempted to file an appeal with Citi group through their fraud prevention department. They repeatedly disconnected the call and hung up on me when I attempted to file the appeal.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-06-19
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. (IN)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

I AM A VICTIM OF IDENTITY THEFT.I CHECKED MY CREDIT AND I SEE SOME UNAUTHORIZED FRAUDULENT INQUIRIES ON MY REPORT.I NEVER GAVE ANYONE PERMISSION TO RUN MY CREDIT.PLEASE HELP ME TO REMOVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

This company LVNV Funding LLC is reporting Fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I XXXX review to see if this is actually an account that belongs to me and LVNV Funding LLC has not provided the purchase agreement. LVNV Funding LLC continues to falsely report to my consumer report since XX/XX/year> that I owe them a debt. The LVNV Funding LLC shows as a I have written proof that LVNV Funding LLC is refusing to remove the inaccurate information or stop trying to collect the alleged debt as they state they have proof I owe anything to LVNV Funding LLC. I also have requested LVNV Funding LLC contract directly with XXXX XXXX XXXX XXXX as I know that the company purchased that debt that had already been written off and was attempting to collect it from me illegitimately. I have not now, nor have I ever done business with LVNV Funding LLC. For them to park this inaccuracy and lie about investigating and refusing to remove it is willfully noncompliance with the FCRA laws. I already reached an agreement with the XXXX XXXX XXXX XXXX for the role in allowing them to furnish this information without my written consent against my continued efforts to remove the account. 
I am giving the company one opportunity to cure this situation, or we shall have a federal judge look at all these deceptive forms that have been mailed to over the past year in support of their wrongdoing. It all stems from the false misrepresentation of LVNV Funding LLC on my consumer report. I have dealt with this harassment for long enough. For far to long my character has been defamed and comments left by LVNV Funding LLC on my report against my efforts to resolve the situation outside of XXXX court. 

I went on XXXX XXXX XXXX XXXXXXXX and LVNV Funding LLC XXXX not have a license number to collect debt in the state of XXXX 
Please reinvestigate
Consumer complaint received 2024-06-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CO)

In XX/XX/XXXX 2024, I was told by Mohela that I had to " recertify and switch to SAVE '' to guarantee the lowest payment when the student loan pause was previously slated to end in XX/XX/XXXX2024. My payments prior to this were {$0.00} due to my low income. Because of this, I rectified and switched from PAYE to SAVE, which resulted in my monthly payments increasing to {$460.00} as of XX/XX/XXXX24. The new federal mandate regarding the IDR Recertification Pause Extension was then released ( details about this mandate are attached ) ; this applies to my situation directly, so my payments qualify to be returned to their previous amount ( {$0.00} ). Despite multiple attempts to call Mohela and speak with supervisors over the past several months ( all of which are documented in the attached file ), my payments have remained {$460.00}.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (DE)

I looked at my report on XX/XX/year>, and noticed some things are incomplete and inaccurate. And according to the Fair Credit Reporting Act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts [ Name of Account & Account Number ], [ Name of Account & Account Number ], [ Name of Account & Account Number ], [ Name of Account & Account Number ], are not complete and accurate. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (OR)

-The original plan that was agreed upon when I started XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX, was that I would make XXXX payments while being employed in what qualified as a public service position. 

XXXX XX/XX/XXXX, I had made a total of XXXX payments, and had XXXX payments remaining. ( Please see XXXX ) - On XX/XX/XXXX I received an email from MOHELA ( my student loan servicer ) that my repayment schedule had changed. 

XXXX logged into their new online platform and reviewed my new repayment schedule and found that it had changed drastically from what had been initially agreed upon. 

- I find that there are now XXXX payments of {$250.00} and in addition ( * ) XXXX new payments of {$1800.00}. ( Please see XXXX ). 

XXXX XX/XX/XXXX, I had XXXX payments of {$270.00} remaining until my XXXX XXXX XXXX forgiveness went into effect. ( Please see PLSF.pdf and XXXX ). 

-There is a major discrepancy in the number of payments that I was required to pay in XXXX, and that I am now required to pay under the new rescheduling plan. 

-My working situation has not changed. For the entirety of this time, I have been employed by an non-profit education institution and continue to be employed there. 

XXXX called MOHELA on XXXX, XXXX XXXX and asked the representative to provide me with information about how many payments I needed to make before I received loan forgiveness, and she was not able to answer. I asked the representative to provide me with documentation regarding my PSLF, and they told me that they would not be able to provide this information. 

-Fortunately, I had saved some of the documentation on my XXXX XXXX in the past.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

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 2019-07-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (AL)

Originally my loan was with XXXX. I lost my job and asked for a loan modification. I went to consumer credit counseling for help. XXXX had so many modification applications at the time they had outsourced some of their work. Anyway they mislabeled my loan lost my loan application and this continued for a couple of years. Instead of a modification they started foreclosure proceedings. I ended up filing bankruptcy. My mortgage was included. Then after a few years of paying my bankruptcy payments XXXX wanted the amount increased. I was paying XXXX a month they wanted XXXX a month I could not pay that amount so my case was dismissed. I went to XXXX XXXX XXXX to get this done. We called several times a month before the bankruptcy and after the bankruptcy was dismissed. They finally came back with XXXX left on my principal balance and were supposed to be doing a modification. In the meantime I received a letter from Shellpoint mortgage saying they were servicing my loan and it was XXXX. We called XXXX and they told us that my loan had not been sold or transferred and that they were still working on a modification. Well it had been sold and Shellpoint had started foreclosure proceedings. I called them and told them what happened and I contacted my attorney to file bankruptcy again. But they stopped the foreclosure and agreed to do a modification. I did the trial period and the paperwork came back with my principal balance being XXXX. I disputed the amount of my principal balance. They told me if I didnt sign the modification that I would immediately go into foreclosure. I said I would sign the paperwork to avoid foreclosure but I disputed the charges. I contacted the Alabama attorney generals office for help. Shellpoint told them that the charges were from the missed payments from when XXXX had my loan. I explained to Shellpoint that XXXX agreed that all I owed was XXXX and they were supposed to do the modification which Shellpoint was fully aware of anyway. My first paper statement from Shellpoint reflects my principal balance being XXXX. They still refuse to remove the charges of over XXXX making what I owe more than my original loan and have sold my mortgage to XXXX mortgage servicing. Also when I called Shellpoint to tell them that making the payments on the first of the month might be a problem their agent told me that Shellpoint doesnt consider a payment late if its made in the month its due. They sent me a nasty letter threatening foreclosure even though I was never behind and added late payment fees to every payment. But that didnt happen until I sent them messages requesting the other fraudulent charges be removed.
Consumer complaint received 2024-06-21
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. (CA)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
( List all accounts : ) ''
Consumer complaint received 2024-09-09
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear CAPITAL ONE, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouri state identity theft and credit reporting laws, specifically Section 570.223 of the Missouri Revised Statutes. 

It has unequivocally come to my attention that CAPITAL ONE has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consumers consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouris identity theft statutes, particularly Section 570.223, criminalize the unauthorized use of personal identifying information, including the illegal access, use, or dissemination of personal data for fraudulent purposes. This includes unauthorized credit reporting that impacts a consumers financial standing. 

I assert with unwavering certainty that I have not provided consent for CAPITAL ONE to report any information to my credit report. This undeniable lack of explicit permission constitutes a clear violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and Missouri state laws. 

I demand, with the utmost certainty, that CAPITAL ONE immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state law under Section 570.223. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including Missouris identity theft statutes. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that CAPITAL ONE will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2024-06-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (FL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am submitting this formal complaint to the CFPB regarding several fraudulent accounts and inquiries that have been inaccurately reported on my credit report. Despite multiple attempts to resolve these issues directly with the credit bureaus, the inaccuracies persist. The fraudulent entries in question have significantly damaged my credit profile, causing undue stress and financial difficulties. 

Fraudulent Accounts : 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 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  These entries have no basis in my personal or financial history and clearly violate the Fair Credit Reporting Act ( 15 USC 1681 ). The presence of these fraudulent accounts and inquiries on my credit report not only defames my character but has also caused severe emotional distress and financial hardship. They have negatively impacted my ability to secure housing, credit, and other essential services. 

Legal Basis for Dispute : The following legal provisions have been violated : 15 USC 1681 ( Fair Credit Reporting Act ) : Ensures accuracy and fairness in credit reporting.

Section 609 ( a ) ( 1 ) ( A ) : Right to dispute inaccurate information.

12 CFR 1006.34 ( b ) ( 5 ) : Mandates clear, conspicuous, and accurate information reporting.

15 USC 1692c, 15 USC 1601, 15 USC 1602p, and 15 USC 168 : Protect consumers from unfair, deceptive, and abusive practices.