davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (SC)

I established recurring monthly payments thru Navient and XXXX XXXX XXXX in late XX/XX/XXXX and my employer, XXXX XXXX XXXXXXXX XXXX in XXXX County, provided information for the Public Service Loan Forgiveness Program enrollment. As far as I knew, timely payments were being made. This is evidenced by my inquiry into a home loan and financial counseling with XXXX XXXX in early XX/XX/XXXX and my payments were up to date at that time. In late XX/XX/XXXX, I get an email from XXXX XXXX stating that I 'm 4 months behind! Naturally, I call right away to straighten the situation out. I learn from Navient that no payments were made SINCE XX/XX/XXXX and they had a street address in Texas and an email contact that was not mine. They made no effort to address the problem or discuss how/why payments were ceased ... ..and I HAD NEVER BEEN NOTIFIED of any issue. But now I 'm being penalized for the problem. The only option I was given was to enjoy a deferment until XX/XX/XXXX WHICH WAS NOT NECESSARY. Now, my credit score has dropped more than 100 pts with XXXX and I have no option for a home loan ... .which I had planned to apply for this XX/XX/XXXX. I need help! I need Navient to explain to me what happened and TAKE RESPONSIBILITY for mishandling my loan payments, possible re-enroll me in the PSLF program and acknowledge any interruption in payments was their fault. I 've fought my way back to XXXX after being XXXX by a XXXX XXXX XXXX on, XXXX two parents after battles with XXXX and I HAVE NO FINANCIAL SAFETY NET. I had to rebuild everything I had from scratch and I am quite tired. I would be most grateful for any guidance you can offer. I will be submitting another phone inquiry to Navient in the next 3 business days to confirm my recent tax information has been accepted online and they are prepared to reinstate lower payments ( as I lost a 2nd job last year and have nearly {$8000.00} less in annual income now ). I still need an explanation and some sort of accountability for Navient 's error so I can be made whole again and reduce considerable anxiety about what I 'm going to do about a home in the future. Thank you for your attention and assistance. Very grateful this options is a real one to get sound advice! XXXX
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

Improper use of my credit report. In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late foranypurpose.
Consumer complaint received 2017-05-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (AL)

Loan servicer failed to comply with all requirements in 1024.31 Definitions.
For purposes of this subpart : Consumer reporting agency has the meaning set forth in section 603 of the Fair Credit Reporting Act, 15 U.S.C. 1681a.
Day means calendar day.
Hazard insurance means insurance on the property securing a mortgage loan that protects the property against loss caused by fire, wind, flood, earthquake, theft, falling objects, freezing, and other similar hazards for which the owner or assignee of such loan requires insurance.
Loss mitigation application means an oral or written request for a loss mitigation option that is accompanied by any information required by a servicer for evaluation for a loss mitigation option.
Loss mitigation option means an alternative to foreclosure offered by the owner or assignee of a mortgage loan that is made available through the servicer to the borrower.
Master servicer means the owner of the right to perform servicing. A master servicer may perform the servicing itself or do so through a subservicer.
Mortgage loan means any federally related mortgage loan, as that term is defined in 1024.2 subject to the exemptions in 1024.5 ( b ), but does not include open-end lines of credit ( home equity plans ).
Qualified written request means a written correspondence from the borrower to the servicer that includes, or otherwise enables the servicer to identify, the name and account of the borrower, and either : States the reasons the borrower believes the account is in error ; or Provides sufficient detail to the servicer regarding information relating to the servicing of the mortgage loan sought by the borrower.
Reverse mortgage transaction has the meaning set forth in 12 CFR 1026.33 ( a ).
Service provider means any party retained by a servicer that interacts with a borrower or provides a service to the servicer for which a borrower may incur a fee.
Subservicer means a servicer that does not own the right to perform servicing, but that performs servicing on behalf of the master servicer.
Transferee servicer means a servicer that obtains or will obtain the right to perform servicing pursuant to an agreement or understanding.
Transferor servicer means a servicer, including a table-funding mortgage broker or dealer on a first- lien dealer loan, that transfers or will transfer the right to perform servicing pursuant to an agreement or understanding.
OFFICIAL INTERPRETATION TO 31 1024.30 1024.32 SECTION-BY-SECTION ANALYSIS
Consumer complaint received 2023-07-11
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. (AL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX  XXXX Balance : {$21000.00} XXXX  XXXX XXXX Balance : {$500.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$780.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX Balance : {$21000.00} XXXX  XXXX XXXX Balance : {$100.00}
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: V and H Portfolio (WA)

XX/XX/2023 I reached out to Vice and Huffman in Virginia to inquire about a credit account that I was not aware of previously. However, the director of the credit collection agency, XXXX XXXX, along with a lady who answered the call, was not cooperative and rude when I requested more details about the account. Once transferred, He ( XXXX XXXX ) did not engage in a proper discussion, which made it impossible for me to confirm the accuracy of the reported balance. 

During our conversation, XXXX XXXX kept mentioning that he was recording the call and kept interrupting me when I tried to clarify certain information. As a result, I found it challenging to fully understand the situation, resulting in a XXXX XXXX making threating commenting to retaliate against further actions of dispute. 

I will not stand for mistreatment while trying to access accurate information about my credit report. XXXX XXXXXXXX XXXX neglect and dismissive behaviour has made it hard for me to get important details. XXXX XXXX heavily implied that he will retaliate against me if I made any complaints. 

The intent of the call was to gain more knowledge on the account and mentioned that it needs to be removed because of error and false reporting of the details across reporting agencies and the closing of the original account and the open line of credit to this date which is also false.

After further research, this falls under the Tile 604 and 609 of the FCRA.
Consumer complaint received 2024-09-28
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. (OH)

Inquiries XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX I wrote to the company : My information may have been impacted by the Equifax Data Breach and may have got into the hands of the wrong person 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING The Congress makes the following findings : ( 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 ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, creditstanding, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy
Consumer complaint received 2017-05-11
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. (FL)

Equifax says they are looking into and correcting issues on credit report but yet never do. All they do is either put an update that says client disputes item or they dont make any changes. If the collections agency or lender says the item is correct, they just leave it on there. XXXX XXXX is a collection agency. I have talked to them several times and explained that I have paid debt off with credit card company. Then, they send me a copy of my last bill with XXXX and say it is still valid. i Had 3 credit cards with XXXX XXXX ( one was formerly XXXX ) and I had difficulty paying them in XX/XX/XXXX-XX/XX/XXXX and stopped paying them. Last XX/XX/XXXX, I called XXXX XXXX and paid off all of the debts. They had sold it to XXXX XXXX. I have told them that I already paid XXXX XXXX and they just sent copies of old bills. This is not doing anything since I paid them off last year. I want them reviewed from my credit report. Additionally, it is already reflected from XXXX XXXX that payments were late and charged off but they were settled. This a double negative report on my credit bureau. They also sold the debt to XXXX and other collection agencies for the same amount of money. They also need to be corrected and removed Equifax also refused to take off XXXX XXXX and XXXX XXXX collection agency. They just update that I dispute info. This is not a valid collection and needs to be removed. I dont want it to just say updated. XXXX XXXX XXXX XXXX-two accounts. They were paid off completely and in full. THey are not charged off. XXXX XXXX-They did not verify it belongs to me. XXXX XXXX is saying it is my debt and it is not. They have a judgement against me too and I am working with attorney to have vacated and this removed from credit report. I want to know what steps they take to verify. So all these inquiries need to be removed.
Consumer complaint received 2024-09-28
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)

I have been disputing this account on my XXXX credit report since 2021. 
XXXX has repeatedly stated that this account has been verified as accurate. 
However, they failed to provide documentation detailing verifying this account. 
I believe that I have the right to know who is using my personal information and how this verification process was conducted. 
Therefore, I kindly request that XXXX provide me with the documentation used to verify this account. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-28
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. (GA)

I have disputed with XXXX XXXX all three credit bureaus four times now regarding the repeated charge-offs reporting on my account.

I have also found more inaccurate and a violation of the FCRA on my report. According to the FCRA these companies violate these code below.

15 U.S.C. 1681s-2 ( a ) ( 1 ) : Obligates furnishers of information ( such as creditors ) to report accurate information.

15 U.S.C. 1681e ( b ) : Requires credit reporting agencies to follow reasonable procedures to ensure maximum accuracy.

15 U.S.C. 1681c : Imposes limits on how long negative information can be reported ( e.g., 7 years for charge-offs ).

15 U.S.C. 1681i : Governs the dispute process and requires CRAs to investigate disputes.

15 U.S.C. 1681n : Provides for statutory and punitive damages for willful violations of the FCRA.

26 U.S.C. 6050P : Governs how canceled debts must be reported to the IRS and indirectly affects credit reporting practices.
Consumer complaint received 2017-05-11
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Franklin Credit Management Corporation (GA)

I need my    XX/XX/XXXX    statement to include with my application for  XXXX   XXXX .     I do not receive monthly statements from  Franklin Credit Management   XXXX   XXXX   XXXX ,   XXXX   XXXX      XXXX   XXXX , NJ  XXXX  I was advised statements were discontinued because I authorized automatic monthly debits for my payments.   I called the  Franklin Credit  on   XX/XX/XXXX  , to request a statement  for  XX/XX/XXXX . I was advised I could not get a statement because I 'm on automatic debit. On advice, I called again and was t hen advised Statements would be reinstated and  one  would be mailed o n  XXXX -17  for   XXXX    2017. N ot having receive d one by tod ay,  XX/XX/XXXX , I called the company and was advised a statement would not be mailed unti l  XX/XX/XXXX . I  told the representative what I had been told on  XX/XX/XXXX . He said the previous representative 's notes only mentioned he advised statements would start soon. I want/need this   XX/XX/XXXX  sta tement due to time constraints of my application for  XXXX   XXXX . The inconsistencies of information and delay in receipt of the statement  may  be negatively impacting my consideration by  XXXX   XXXX  for the program. I want a prompt response to my request to  Franklin Credit.
Consumer complaint received 2017-05-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: TRANSWORLD SYSTEMS INC (TX)

I was attending school at   XXXX   XXXX   XXXX  , when they abruptly closed in    XXXX   XXXX     . I have tried contacting the lender and third party lender about the situation. I never completed my program of study, nor received any credits from the year I was attending school. All they can tell me is that since it 's a private loan, there 's nothing they can do. While attending, I made payments towards the loans. I have  XXXX  loans opened in my name when I should have only had  XXXX . So now I 'm stuck with about {$15000.00} debt for something I will never see. It is very discouraging and I have n't had a chance to even start school anywhere else yet because I 'm still dealing with this problem. I 'm almost   XXXX   XXXX   XXXX   and I can not have this. It 's hard enough knowing that I might have to be a   XXXX   for the rest of my life. I really wish someone could help me instead of transferring me to someone who might be able to help or giving me another number to call that does n't even pan out. I 'm at the end of my rope. Please help!!
Consumer complaint received 2024-09-28
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. (RI)

It's really alarming to see something on your credit report that isn't supposed to be in there, it's making me so anxious that there's an inquiry which I believe to be fraudulent that I don't recognize nor applied to. I did not gave authorization or consent for this company to access my report.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  Account Number : XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-09-28
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. (VA)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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 XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

Equifax is currently reporting negative information as a violation to federal laws. The U.S. Bankruptcy Court for the XXXX XXXX of Georgia stated that they did not provide information to Equifax and neither did I XXXX XXXX provide information or give them permission to report information. I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract. Until such time as you provide verification of the debt, I am exercising my right to cease and desist all reporting activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all reporting activities on this debt. Failure to comply with this request will result in further legal action.
Consumer complaint received 2024-11-01
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 writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''