davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-08
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)

This account was charged off on the following date XX/XX/2024. Since then the date of last activity has been inconsistently updated. On XXXX the date last active is ( XX/XX/2024 ) and on Equifax its ( XX/XX/2024 ). If the information is coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. Please delete this account XXXX XXXX ; Account XXXX XXXX
Consumer complaint received 2024-09-24
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK (IL)

I was trying to cancel my Discover Payment Protection by logging on to Discover.com. I could find no way to do this and the XXXX XXXX sent me to an information-only page. After chatting a second time, the agent informed me that cancelling this service could only be done by calling their XXXX XXXX phone number. This seems like an unnecessary burden on me and has the effect of increasing Discover profits. 

I was also informed that a log was being made of my chat sessions, but I couldn't find a way to keep a copy for my personal reference.
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. (FL)

This is the first time I've complained about being a victim of identity theft. You must remove/remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: EQUITY LOANS LLC (CT)

On XX/XX/year>, I received my initial closing disclosure showing a lender paid broker compensation fee of {$5300.00}. I signed this document that day. Subsequently on XX/XX/year>, I received a revised closing disclosure and a change of circumstances switching the lender paid fee to a borrower paid fee. I did not request this to be done. 

This second CD also showed reduced points, the administrative fee was removed, and the broker compensation fee was switched from lender paid to borrower paid. I called the loan officer to question these changes. He informed me the loan was not passing XXXX, a term I am not familiar with. The loan officer explained these changes were made in order to pass XXXX. 

The loan officer said, " This is the way it is done and we do it all the time. ". He also mentioned he did this to another loan for a person named XXXX and it required him to pay about $ XXXX more upon closing. 

The loan officer rebuked my concerns because the cost of the loan was about same. He threatened to hang up the phone rather than seek a negotiated agreement. The only solution he offered was for me not to show up at closing. I was concerned that not closing at this late stage would jeopardize my $ XXXX deposit paid to the sellers that were responsive and flexible with me in every step towards bring this house sale to closure.
Consumer complaint received 2024-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (GA)

I am writing to formally lodge a complaint against Midland Credit Management ( MCM ), a debt collection agency that has been reporting an alleged debt on my credit report. MCM has repeatedly violated my rights as a consumer under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by failing to validate this debt and continuing collection efforts despite my formal requests to cease and desist. 

Here are the details of my complaint : 1. Failure to Validate Debt : After receiving notification from MCM about an alleged debt, I promptly requested validation of this debt in accordance with my rights under the FDCPA. MCM has failed to provide any verifiable information to substantiate the validity of this debt. The provided a single bill. Despite their failure to validate the debt, MCM continues to report it to the credit bureaus, damaging my credit report and financial standing.

2. Continued Requests for Information Without Verification : Despite their inability to validate the debt, MCM continues to request personal information from me. This repeated demand for information, without any substantiation of the debt, constitutes a further violation of my rights under the FDCPA.

3. Continued Collection Efforts After Cease and Desist : Also, on one of our many calls I requested a formal cease and desist letter to MCM, instructing them to stop all communication and collection efforts regarding this alleged debt. Despite my request, I continue to receive mail and collection notices from MCM. This ongoing communication is a clear violation of the FDCPA and my rights as a consumer.

4. Impact on Credit Report : The continued reporting of this unverifiable debt on my credit report has caused significant damage to my credit score and has hindered my ability to secure favorable financial terms. I believe this is a violation of the FCRA, as MCM has failed to ensure the accuracy of the information they are reporting.
Consumer complaint received 2024-09-03
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. (NC)

XXXX XXXX and the credit reporting agencies has violated multiple laws that pertaining to my right to fair and accurate reporting. 15 U.S.C 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX XXXX ) making the report. 15 U.S.C 1681s-2 ( a ) ( 1 ) ( a ) states that a person ( XXXX XXXX ) shall not furnish any information relating to a consumer ( myself ) to any credit reporting agency ( XXXX, XXXX, Equifax ) if the person knows or has reasonable cause to believe that the information is inaccurate. By XXXX XXXX reporting on their transactions between themselves and I this would automatically make the the report inaccurate. Yet XXXX, XXXX, and Equifax continue to report this on my credit report. Before the account was sent to collections the account was a " Charge-Off ''. The IRS defines a " Charge-Off '' as a certificate of indebtedness and that it is considered Gross or Ordinary income. Income is not to be reported on the consumer report. Because the account was " Charged-Off '' that means that XXXX XXXX submitted a 1099-C with the IRS but failed to provide myself with the 1099-C for tax purposes. I have reached out to XXXX XXXX to remedy the situation and expected the matter to be handled with good faith, but I have been met with no response
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX  {$140.00} XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX XXXX  {$1500.00} XXXX XXXX  XXXX XXXX  : {$8700.00} XXXX XXXX XXXX XXXX  {$1500.00} XXXX XX/XX/year>
Consumer complaint received 2023-07-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: REGIONS FINANCIAL CORPORATION (TN)

I was behind on my payments and needed a hardship option. This was not offered to me, I received a phone call this morning ( XX/XX/XXXX ) asking for payment. I asked for hardship option and told them I was working with debt relief agency. I told them I could not make a payment today and they said that I was 67 past due and that after 180 days it would go to collections and they could work with a 3rd party at that point. They did not inform me at this point that my account had gone into collections, as they said it would happen only after 180 days. Later the same day ( XX/XX/XXXX ) Regions debited {$320.00} from my checking account with out notification and without my permission leaving me with {$18.00}. 

I called and was told several times that there was nothing Regions could do about this.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX 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 2024-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Dave Operating, LLC (NV)

XXXX, my employer, sent funds to my account on XX/XX/year>. every single day since then I have reached out to XXXX to find out where my money is at and every day the claim they haven't received anything. my companies bank, XXXX XXXX, even did a trace on the funds and found that my bank has already received and accepted these funds but have not made them available to me. this had cause my family and I a great hardship ad we have been stranded in XXXX out of our state of residence in XXXX  without any way to get home, without food or anything.
Consumer complaint received 2024-09-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Bankruptcy
Company: Navient Solutions, LLC. (FL)

Navient, formerly Salliemae, frequently called me to arrange payments for my student loan that I simply could not make due to my financial situation. They willingly steered me into consolidation and then into XXXX. They spoke of forbearance as if it were the right thing to do. I was preyed upon by The XXXX XXXXXXXX XXXX XXXXXXXX, who made promises to a young girl they could not keep and then preyed upon by predatory lenders who have garnished my unlivable wages and harassed me repeatedly via phone call after phone call. So much interest has been compounded on the loan that I couldn't hope to pay it back in my lifetime. It has kept me from taking jobs I was qualified for. It has prevented me from owning a home, from renting without a cosigner. It has held me back for years. XXXX couldn't even get rid of it. I have filed a borrower 's defense case in the hopes of finding some relief from this burden that continues to haunt me.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing. 

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2024-06-21
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. (MD)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-02
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. (AL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-06-12
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: AMERICAN EXPRESS COMPANY (FL)

Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, AMERICAN EXPRESS used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. AMERICAN EXPRESS reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (FL)

I am a hardworking individual who has been diligently paying my accounts on time for quite some time. However, upon reviewing my credit report, I discovered several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it became evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledged the error and assured me that the inaccurate late payments would be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings. NAVY FCU - XXXX
Consumer complaint received 2019-07-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (VA)

Our mortgage amount changed suddenly ( went up ), due to the mortgage company 's escrow reserve calculations. One of our monthly payments was lower by {$87.00}, since our bank paid the regular amount ( there was problem updating the monthly amount that was paid regularly ). We paid the balance of {$87.00} shortly afterwards.

As a result, Fifth Third bank, did not apply the amount we'd sent in ( {$2300.00} ) until we'd sent in the remaining {$87.00}. This resulted in us having to pay substrantial extra interest, because they delayed applying the amount we'd sent in.

Additionally, Fifth Third bank is charging us a late fee of {$92.00}, to cover a temporary shortfall of {$87.00}!

On top of all this, their statement reflects the late fee of {$92.00} as a " Past Due Payment '' and not a " Fee '', a blatant lie.
Consumer complaint received 2023-09-14
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. (DC)

I was finally able to get on XXXX XXXX and saw that my score was negative as I am beginning to buy a house. I see that a ton of loans were taken out in my name that were not mine. I have listed them below and on the police report. 

The accounts are : Someone stole my identity and opened the following accounts using my name. Please remove these. Thank you! 

XXXX XXXX XXXX XXXXXXXX Reported : XXXX XXXX XXXX XXXX {$7200.00} XXXX XXXX XXXX XXXX Reported : XXXX XXXX XXXX XXXX {$10000.00} DEPT OF ED / XXXX Reported : XXXX XXXX XXXX XXXX {$11000.00} In good standing DEPT OF ED / XXXX Reported : XXXX XXXX XXXX XXXX {$4300.00} In good standing DEPT OF ED / XXXX Reported : XXXX XXXX XXXX XXXX {$16000.00} In good standing DEPT OF ED / XXXX Reported : XXXX XXXX XXXX XXXX {$3700.00} In good standing DEPT OF ED / XXXX Reported XXXX XXXX XXXX XXXX XXXX {$6400.00} In good standing DEPT OF ED / XXXX Reported : XXXX XXXX XXXX XXXX  {$5100.00} In good standing DEPT OF ED / XXXX Reported : XXXX XXXX XXXX XXXX {$1800.00} In good standing DEPT OF ED / XXXX Reported : XXXX XXXX XXXX XXXX {$3100.00} In good standing DEPT OF ED / XXXX Reported : XXXX XXXX XXXX XXXX {$3600.00} In good standing DEPT OF ED / XXXX Reported : XXXX XXXX XXXX XXXX {$7200.00} In good standing DEPT OF ED / XXXX Reported : XXXXXXXX XXXX XXXX XXXX {$4800.00} In good standing DEPT OF ED / XXXX Reported : XXXX XXXX XXXX XXXX  {$8800.00} In good standing DEPT OF ED / XXXX Reported : XXXX XXXX XXXX XXXX {$9300.00} In good standing DEPT OF ED / XXXX Reported : XXXX XXXX XXXX XXXX {$4600.00} In good standing DEPT OF ED / XXXX Reported : XXXX XXXX XXXX XXXX {$600.00} In good standing DEPT OF ED / XXXX Reported : XXXX XXXX XXXX XXXX {$3700.00} In good standing XXXX XXXX XXXX XXXX Reported : XXXX XXXX XXXX XXXX {$5700.00} In good standing XXXX Reported XXXX XXXX XXXX XXXX XXXX {$640.00} In good standing XXXX XXXX XXXX XXXXXXXX Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5200.00} In good standing
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

Good Evening, Several credit disputes were sent to XXXX, Equifax and XXXX regarding the derogatory information on my credit report. It's not fair that these credit bureaus are not governed by law to respond any dispute requests that are sent to them. 

I want the below accounts investigated properly and I want a response back. I have been disputing these accounts for over 6 months. This is unethical and unacceptable. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Please start your investigation and verify this at once. - This is completely inaccurate. I would like to kindly bring to your attention that the data presented above appears to lack certification to meet the required reporting standards. Additionally, it is essential to acknowledge that this information may be incomplete, outdated, or unsupported. Therefore, I respectfully request the removal of any inaccurate or unsupported material from this record.
Consumer complaint received 2024-06-10
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: Experian Information Solutions Inc. (NY)

I have identified that there are unauthorized inquiries on my credit report. The listed inquiries on the letter was without authorization, and for no legitimate business purposes. 
Please delete these inquiries from my credit report. For the company to do what fair and equitable to me as a consumer by deleting the items identifies as Identity theft from my consumer report.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.