davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: RFNA, LP (TN)

Republic Finance reported that the account was more than 30 days past due. Payments on this account for the regular monthly payment of {$350.00} have never been 30 days past due. My final payment was for any late fees acquired on the loan throughout the 2 years that I have been making payments. I have proof that every regular monthly payment has been made and never 30 days past due. They have always been made within the month they were due. I have called and was told that the only person to help wouldn't be in for a week and then I should have made the payment for any late fees with that last payment and the late fees are considered past due. If the regular monthly payment has never been 30 days late I can not be punished for making my final payment of late fees within that next 30 day window. There was never any indication through their online site or through phone calls or mail that if the late fees were not also included in my regular monthly payment that I would be reported negatively to the credit bureaus and have my score drop over XXXX points. I have a pdf and print copy of my payment history including where i made the payment for the late fees within the month that I would have assumed they were due which was XX/XX/2023.
Consumer complaint received 2023-05-16
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: EQUIFAX, INC. (TX)

Credit bureau is reporting a collection account that does not belong to me. I reached out to the reporting company, got them to close the account out and ask for the barrels to remove the information for my credit report in which they still will not do. Current Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Client Account Number : XXXX XXXX  Account Number : XXXX XXXX Default Password ( for website ) : XXXX Balance : {$330.00} XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-28
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. (GA)

In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXXDEPT OF ED Account Number : XXXX XXXXDEPT OF ED Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX t

hese accounts have violated my rights. 15 U.S.C. 1681 section 602 A states that I have the right to privacy. 15 U.S.C. 1681 Section 604 A section 2 ; it also states that the consumer reporting agency can not furnish an account without my written instruction. I would like this agency to provide me with proof of my written consent for these accounts to be furnished. I would like to be provided with my original contract and signature, and proof within that documentation that states Im consenting for this to be furnish. If proof can not be provided within 30 days of my request ; I demand these accounts to be deleted immediately from my credit reporting.
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2023 XXXX officially blocked and removed the erroneous bankruptcy information in my consumer file after I disputed the erroneous bankruptcy information. on XX/XX/2023. On XX/XX/2023, I disputed the bankruptcy information with Experian, XXXX, and XXXX and each has yet to remove the information or even respond to my dispute. XXXX claims that they verified the information with the 3rd party vendor ( XXXX ) of public information and that is obviously not true since it had been deleted and removed from my account over XXXX days prior. That is a direct violation of 15 USC 1681.
Consumer complaint received 2023-05-16
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I only owned XXXX XXXX card in my whole life. I have no history of late payment or no debts. My credit score was XXXX. In the end of XX/XX/2022, XXXX XXXX XXXX XXXX sent me a new card after my XXXX  card got fraud charge. Then, XXXX XXXX XXXX XXXX made error, changed my card/account last name to XXXX without my consent or any sort of verification process. I called immediately on the day I received credit card that the card wasn't working, and the last name is wrong. Ever since, I visited XXXX XXXX XXXX XXXX XXXX  times and must had called them XXXX  times XXXX weeks apart. I requested to fix the error and give me a letter admitting their error. They had to close my account to change my name back to XXXX and my credit score went down to XXXX due to the account closure till they sent me a new card and reopened the account about XXXX weeks later. I requested the proof of their error written in letter so that I can submit it to credit burau to fix my credit score. XXXX XXXX XXXX XXXX representative stated they started investigation more than XXXX days ago. I heard that at least XXXX times from different representatives over XXXX  months. They never called me back. I called them multiple times, they have made no progress, in past XXXX  months. My credit score remain XXXX. 

Please help me to get the investigation letter and proof of their error from XXXX XXXX XXXX XXXX. I desperately need to fix credit score to XXXX a condo. Thank you very much.
Consumer complaint received 2024-10-05
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)

Over the last few months I have been disputing unauthorized inquiries on my account with all three credit bureaus, and they replied that the account has been verified and updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-05-16
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: EQUIFAX, INC. (TX)

I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2023-05-16
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ALLY FINANCIAL INC. (KY)

The debt does not belong to me, it is company trying to get ahold of my husband. I have repeatedly asked him to stop calling., continue to tell them that you can not reach him from my number. They call me 3 times a day morning, noon, and night. Every time I tell them that I am not XXXX XXXX I hang up on me. Sometimes I can get them to hang on the phone a little bit longer and explain and they have told me a couple times that they would not call again, but they always do. I have no idea what to do. 

They say they are with Ally Services Number : XXXX Called today at XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-05
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. (PA)

Subject : Formal Dispute of Inaccurate Account Reporting Request for Deletion I am writing to formally dispute the inaccurate reporting of a debt collection accounts ( XXXX ) that appears on my credit report under the name XXXX XXXX XXXX. On XX/XX/year> i filed a complaint with the CFPB, today is XX/XX/year> which is exactly 32 days from the day i submitted the account The account ( s ) is listed with a balance of {$850.00} and {$630.00}, which is falsely reported as past due. I am requesting that these accounts be removed from my credit file in compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), which requires all information reported to be accurate and verifiable. 

Details of the Disputed Account : Creditor Name : XXXX XXXX XXXX Basis for Dispute : Inaccurate Balance Reporting : The reported past-due balance of {$850.00} & {$630.00} is inaccurate, as the original balance of this debt was never with XXXX XXXX XXXX . Furthermore, I have noticed that every few months, the account balance is increased by {$1.00} to keep the account active, which appears to be an attempt to manipulate the status of this account inaccurately. 

Failure to Provide Validation Under FDCPA : Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ), all information provided by debt collectors must be accurate and truthful. When I requested validation of this debt from XXXX XXXX XXXX, they failed to provide adequate validation and instead employed scare tactics, including threats of legal action. Such practices are in violation of the FDCPA, and the debt should not be reported if it can not be validated.

Failure to Meet 30-Day Response Deadline : Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ), a consumer reporting agency must investigate disputes within 30 days. As of today, more than 30 days have passed without a proper investigation or correction by XXXX XXXX XXXX, and this account continues to be inaccurately reported. 

Requested Action : I request that you conduct an immediate investigation of this matter as required under the FCRA. I also request that you delete this account from my credit report, as the debt is inaccurately reported, and the creditor has failed to validate the debt as required under the FDCPA.

Please note that under the FCRA, if this information can not be verified within the 30-day investigation period, it must be promptly removed from my credit report. Please notify me in writing once the investigation is complete and confirm that the inaccurate information has been deleted. 

I have attached a copy of complaint that was submitted to the CFPB, along with any supporting documentation related to my request. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Consumer complaint received 2017-05-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (FL)

XX/XX/XXXX  Monthly payment due ( Amt. {$1500.00} ) as of statement dated  XX/XX/XXXX . XX/XX/XXXX Payment sent via personal banking bill pay for {$1500.00}  XX/XX/XXXX  XX/XX/XXXX  payment was placed in a suspense account due to the {$190.00} XX/XX/XXXX  Notice sent that annual escrow was reviewed and the payment would be going from {$1500.00} to {$1700.00} ( increase {$190.00} ) effective  XX/XX/XXXX .
 XX/XX/XXXX In touch with customer service to inquiry why payment was not applied to the account and to explain the $   XXXX   monthly payment increase when property insurance amount decreased. This process took several days to get addressed. My payments were applied for  XX/XX/XXXX and  XX/XX/XXXX . (  XX/XX/XXXX  & XX/XX/XXXX  ).
 XX/XX/XXXX Received notice from credit bureau that a 30 day late was applied to my credit report which should have not been applied.
 XX/XX/XXXX - Mortgage Loan Statement amount has increased from {$1700.00} to {$1800.00} ( {$100.00} ) with no explanation again.
 XX/XX/XXXX Called in a request to remove the PMI from my account since my loan has met the 20 % equity rule.
 XX/XX/XXXX  NationStar sent a notice determining that since they have the late payment in  XX/XX/XXXX , I can not request the PMI removal for a year.
Consumer complaint received 2017-05-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (SC)

From  XXXX  to  XXXX  of  XXXX ,  Borrower  made timely payments on his mortgage loan of {$150000.00}. In  XXXX , Borrower lost his normal monthly income when he was undergoing treatment for  XXXX   XXXX   XXXX   XXXX . When he realize d he could no longer make monthly payments, he submitted a comprehensive package of financial, medical, and tax documents, exactly as prescribed by Lender, requesting a temporary forbearance on monthly payments. The Lender failed to communicate effectively with the Borrower, despite numerous telephone calls attempting to speak to an employee with adequate training that would enable them to understand the facts of the situation. Several Lender clerical-level workers communicated with Borrower suggesting refinancing, a solution totally inconsistent with Borrowers medical circumstances, income outlook, and posture of being under a tax lien. Borrower wanted to discuss a deed-in-lieu of foreclosure as it relates to a federal tax lien. However, no one with sufficient knowledge of either DIL or liens would contact Borrower by telepho ne. In  XXXX   XXXX , afte r four payments were missed, Lender filed foreclosure papers in court. It is maddening that no one from Lender, with appropriate experience and authority, will contact Borrower as requested ; no one from Lender acknowledged the facts presented in the forbearance application in fashioning foreclosure alternatives ; and that Lender essentially behaved as if they were a computer program, spitting out notices to Borrower following a sequence of steps that were heedless of Borrowers circumstances.
Consumer complaint received 2024-10-05
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. (TX)

Despite my repeated efforts to address the fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The presence of these items has severely affected my life, causing considerable stress and XXXX. I must emphasize that I did not authorize or consent to the association of this information with my name, as I am a victim of identity theft.
Consumer complaint received 2023-11-08
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Avid Acceptance, LLC (CO)

My husband and I purchased a XXXX in XXXX right after filling bankruptcy. The financial institution that financed the auto loan was Avid Acceptance out of Utah. We made every months payment on the vehicle for almost a year. My only brother was murdered in XXXX and I had to pay for his funeral costs etc. So the vehicle was repossessed and sold at auction for an undisclosed amount. I never received any documentation with the auction amount Avid Acceptance received for the vehicle. Avid Acceptance is currently on all XXXX credit bureaus for my husband and I. Avid Acceptance has applied numerous fees to the balance since XXXX. One charge that's applied every month since the vehicle was repossessed in XXXX includes {$540.00} dollars which was the vehicle payment. The vehicle was repossessed and sold at auction and even after they sold the vehicle, they continue to add a monthly charge of {$540.00} for non payment of auto loan. How can we still owe a monthly payment on a vehicle that was sold at auction in XXXX. The balance is almost {$30000.00} dollars because of these charges and fees. They have and continue to update every month to all XXXX major credit bureaus for my husband and I for the past 6 years. I have requested numerous times for documentation. I have disputed this item with each credit bureau each month, and without fail the item doesn't get removed and the balance continues to increase. Im not sure what to do at this point. I know by law the financial institution has to provide us with a letter of the amount the vehicle was sold for at auction and they didn't do that either. I hope someone can help us. Thank you for your time.
Consumer complaint received 2024-10-23
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. (GA)

I am writing to inform you that I was a victim of a data breach, which compromised the following 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 In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you block and permanently delete these accounts from your records within four ( 4 ) business days. Under the FCRA, specifically 15 U.S. Code 1681c-2, consumers have the right to request that fraudulent accounts be blocked from their credit reports in cases of identity theft or data breaches. 

Please confirm once these actions have been taken. Thank you for your immediate attention to this matter.
Consumer complaint received 2023-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (VA)

I never received any information regarding there was an amount due on the account. I was then notified by email and text that I had a 30 day past due account showing on my credit report. Upon checking, I realized it was my Target account with a balance of XXXX. I immediately contacted them and paid the amount. I also explained that I had never received any correspondence regarding this. I pleaded with them to please have the 30 day late removed since this account had never been late. This one 30 day late payment dropped my credit score a whopping 50 + points. I just feel that one oversight on a consumer 's behalf should not result in them being so harshly penalized. Not to mention, that if I had been sent some type of notification, I would have addressed this immediately. It was a mere XXXX XXXX which I definitely could and would have paid prior to it being reported to the credit bureaus as a 30 day late payment.
Consumer complaint received 2023-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the fair credit reporting act XXXX account XXXX XXXX has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Late payment XX/XX/XXXX and late XX/XX/XXXX
Consumer complaint received 2023-03-22
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. (DE)

Recently, I did an investigation on my credit report which coused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Report Act, Everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1691i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-08-07
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: EQUIFAX, INC. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2017-07-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I am undergoing a short sale and have submitted all of the requested items through the realtor. The realtor sent me a screenshot from XXXX on X/X/2017 that said " Thank you for uploading all the requested documents. This short sale file has completed the processing phase and is now in transition to the auction phase. Please allow 5 to 7 business days for the reassignment and initial negotiator review process. The negotiator will contact you regarding any additional information that may be needed. Thank you. XXXX XXXX Also this was received today " This message is to inform you that the offer submitted in XXXX via the tasks has been received and is now being referred to XXXX  to conduct the Offer Validation Program. Please keep in mind weve saved a spot for the original offer to participate in the online marketing event. Simply have the buyer call XXXX customer service at ( XXXX ) XXXX or XXXXXXXXXXXX and theyll assist the buyer in getting registered. Auction dates will be set within the next 7-10 business days and will be available on the XXXX website once set. These dates will not be provided please be sure to check XXXX for the dates. Keep in mind the following : 1. ) You will remain fully involved with your listing. 2. ) Your commission stays 100 % intact. 3 ) XXXX Services are paid independently of your commission. '' From XXXX XXXX from XXXX. <P/><P/>As you can see I and the realtor are doing precisely as directed by the lender and I 'd like to do a short sale to prevent a foreclosure however it definitely appears that the bank wants to foreclose as I received a notice of Trustee 's sale today. <P/>There is an existing offer and the home is going through a short sale auction where the winning bid may purchase the home, but I am not sure they will be able to if their is a Foreclosure Sale date in about a month. <P/><P/>Please help me avoid foreclosure.
Consumer complaint received 2024-10-23
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. (FL)

Account info Account name XXXX FCU Account number XXXX Account type Line of Credit Responsibility Individual Date opened XX/XX/XXXX Status Open. {$300.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$15000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment {$300.00} Credit limit {$15000.00} Highest balance {$15000.00}