davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-19
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. (VA)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: AmeriHome Mortgage Company, LLC (OH)

I am still unable to pay my mortgage. I have the money and they don't want my payments. I have spent hours on the phone over the last two months trying to get this resolved. My first complaint went nowhere. I am two months behind and they just keep charging me more fees and giving me the run around.
Consumer complaint received 2024-05-11
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. (TN)

Account XXXX account # XXXX  has been reported fraudulently to XXXX as " Discharged in Bankruptcy '' and was in " good standing. Obviously, XXXX is wrong ; if it had been " Discharged in XXXX  XXXX Bankruptcy, '' the account would not be on my report. The company XXXX XXXX also reported other direct contradictory information to Equifax and XXXX fraudulently. I respectfully request Equifax and XXXX delete this negative account, as well as XXXX given the contradicting, substantial information the company is incapable of providing accurate documentation. XXXX obviously will.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

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.

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 2024-05-12
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)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-06
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Citizens Debt relief LLC (AZ)

I signed up for their debt consolidation program on XX/XX/XXXXXXXX  ( please see Exhibit A ) and they were supposed to negotiate ans settle all the accounts enrolled in the program. 
I was sending {$370.00} twice a month according to their program. Aound XX/XX/XXXX, after I realized tthat this was going to take longer than what they ( CDR ) told me I reached out to XXXX XXXX 
XXXX, after many many attempts, finally I was able to talk to him and asked him how my program will be solved if it's moving so slow then XXXX XXXX said I qualify for a " graduation loan '' that could pay for all the accounts he's already settled including XXXX, by XX/XX/XXXX I had already sent around {$7500.00} total. I got thhe graduation loan for $ XXXX and XXXX XXXX paid all the accounts EXCEPT the XXXX card, he never paid a dolalr intc that account and he refused to talk to me anymore but last time I spoke witt him he said that I will be reesponsible for the XXXX and I had to deal directly with them. I ended up wiht a $ XXXX loan which paid for those other accounts but now I had to deal with $ XXXX XXXX balance and he refusesd to return my deposit of {$7500.00} dollars, when he had enouchg money to pay for the settled accoutns and still take his fees. Pelase review and help, Thanks beforehrand.
Consumer complaint received 2023-12-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: REGIONS FINANCIAL CORPORATION (MS)

Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00} for every violation.

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ).

" 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. '' XXXX, XXXX and XXXX etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. 
Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

313.1 Purpose and scope.

( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

XXXX XXXX
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2023-07-08
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL ()

My email address was used to create an account for another persons American eagle store credit card. 
After numerous emails and phone calls to the retailer and the issuing bank, Synchrony, this has not been resolved. I have asked them to verify the correct email for the customer but I have continued to receive emails regarding this customers account.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I am writing to request a correction to my credit file maintained by your bureau. Upon reviewing my credit report, I have identified an error in the personal information reported, specifically regarding my date of birth. 

Currently, my date of birth is listed as XX/XX/year>. However, this information is incorrect. My correct date of birth is XX/XX/year>. This error may have significant implications on my ability to obtain credit and financial services, as accurate personal information is crucial for lenders and creditors to assess creditworthiness. 

Enclosed, please find a copy of my identification card and social security number for verification purposes. I kindly request that you promptly update my credit file to reflect the accurate information provided. 

I understand that accuracy and integrity are essential components of the credit reporting process, and I appreciate your attention to this matter. Please confirm in writing once the necessary corrections have been made to my credit file. 

If you require any further information or documentation, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (FL)

I was driving to work on the highway in my vehicle when I was notified on my phone that my Wells Fargo card made a purchase using my debit card. I immediately called Wells Fargo to close my card to prevent further use. I later discovered that my card had been stolen and was not in my possession. The person who stole my card made transactions at XXXX different locations in XXXX XXXX on XX/XX/year> at XXXX 'XXXX XXXX ( {$21.00} ), XXXX XXXX XXXX ( {$68.00} ), XXXXXXXX XXXX XXXX ( {$21.00} ) and XXXX XXXX XXXX. I have never been to these locations and I did not authorize any person to use my card. My card was stolen and these charges are fraudulent. When informing Wells Fargo of this matter, they informed me that this dispute has been denied without indicating any reason to support their decision. It is no question whether fraud took place on my account because I have been able to show my card was stolen from me and used without my consent. The question that still remains is why Wells Fargo is enabling fraudulent activity to occur with my funds and why Wells Fargo would protect the thief who stole my card. I trusted Wells Fargo to safeguard my funds in the event that fraud takes place with my card or funds, and Wells Fargo has been shockingly evasive when handling my dispute. I am not sure what is going on. I spoke to XXXX XXXX Police who advised me that I was unable to submit a report because my financial institution is required to reimburse me of the funds. The officer explained that since my funds will be reimbursed, there is no need to file a report. However, Wells Fargo has denied my valid claim and will not provide me with any reason to support their decision.
Consumer complaint received 2024-05-09
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: EQUIFAX, INC. (IN)

A XXXX  ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct this account : XXXX XXXX XXXX
Consumer complaint received 2024-05-06
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. (IL)

On XX/XX/year> there was a letter sent to Equifax asking them to verify what I believe to be incorrect information reporting to my credit report regarding some inquiries I have no knowledge about. I have sent this letter and know it has been delivered but I have yet to get a response from this company about the investigation into this matter.
Consumer complaint received 2024-06-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (SC)

When I did the application for the card, I gave CitiBank my physical address as well as my mailing address. CitiBank still sent the card to my physical address where I can not receive mail. I called CitiBank in order to inform them that the card was supposed to be sent to the mailing address. They would not confirm that the mailing address was on the application. They asked to send a code to my phone to authenticate me and then proceeded to tell me that they could not send the text. Then they asked for work number where they called and talked to my supervisor who verified that I was who I said I was and then stated once again that they could not verify me. They asked me what my security word was-I told them-it was correct and then they stated that they still could not authenticate me. They asked for me SSN-still could not authenticate me. And then stated that they would have to send me a letter to authenticate me-even though they were sending it to an address where I can not receive mail. I pointed this out several times during the conversation and they said that I would have to wait XXXX business days to call back and then they would try something else. I waited the 10 days and then we went through the whole thing of them telling me that they could not authenticate me even though I answered everything correctly. They then asked me for family members ' phone in order to authenticate me but when I asked how they would use that information to authenticate me-they would not tell me how. So once again we get to the end of the conversation-and they tell me-AGAIN-that they have to resend the letter-EVEN THOUGH I AM NOT GOING TO GET THE LETTER BECAUSE THEY WON'T SEND IT TO THE CORRECT MAILING ADDRESS. I asked during both calls if I could just close the card because this was too much trouble for a card-they said that they had to authenticate me in order to close it but THEY WILL NOT AUTHENTICATE ME NOR WILL THEY GIVE ME A SUFFICIENT REASON AS TO WHY THEY CAN NOT AUTHENTICATE ME. I hope that as many people as possible read this because this is the most ridiculous thing that I ever had to deal with.
Consumer complaint received 2023-11-09
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: Experian Information Solutions Inc. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
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 2024-02-08
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to dispute the inaccurate reporting of a fraudulent account on my credit report, which is a clear failure to comply with the law. Upon contacting the respective banks, it was confirmed that an error occurred. Additionally, assurances were given over the phone that the account would be promptly removed. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (IL)

My federal student loans were transferred from Nelnet to XXXX. There should only be a balance with the XXXX loans since I no longer owe any balances to Nelnet. However, both Nelnet and XXXX are reported with the same balance, duplicating the amount I owe and making it appear that I owe twice as much money as I actually do. I have contacted both servicers and have also filed disputes with the reporting agencies, but they have not done anything to resolve the issue. I just read an article in the XXXX  XXXX that there are at least XXXX XXXX duplicate student loan records appearing on credit reports, and they are from borrowers that had loan balances transferred from Nelnet to XXXX as well. This has been reported incorrectly on my credit for over a year now and I deserve a resolution.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (LA)

Terms Paid Monthly Date Closed XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXX Remarks UNPAID BALANCE CHARGED OFF XXXX XXXX XXXX XXXX Account Information Address XXXX XXXXXXXX XXXX XXXX MI XXXX Phone ( XXXX ) XXXX Monthly Payment {$0.00} Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Installment Account
Consumer complaint received 2024-05-30
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC (FL)

I was trying to take out a loan for {$400.00} thinking they were just gon na charge me like 40 % interest. They ended up charging me 700 % interest and making me pay 20 payments of {$110.00} totaling to {$2300.00}. I had no idea that they it was going to be that crazy high and it is said to be illegal in both my state and the state the online company resides in. They say in the agreement that they are a sovereign company and they can't be sued for their rate they are charging me in the loan agreement. I am struggling to make ends meet to the point I might be XXXX. I am in desperate need of help.
Consumer complaint received 2023-11-09
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)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these ERRONEOUS ACCOUNTS from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any accounts listed listed below. Once again HERE ARE THE LIST OF ACCOUNTS THAT I WANTED TO REMOVE! 

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 2024-08-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (KS)

I would like to appeal my School Misconduct application that was denied. This appeal will be baised on the loan not being legally signed by the loan servicer and basied on The holder rule. The product I purchased was fradulant in nature and the loan product was sold to me by the school and has been serviced by first Sale Mae, and now serviced by Navient.
Consumer complaint received 2023-04-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

You have no right to report this bankruptcy in my credit report! There are different date files/reports and even closing dates. This is also a discharged bankruptcy which means a fresh start but this is the reason why I can't get a fresh start because you are reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!
Consumer complaint received 2024-03-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (NC)

today i logged into my credit file to see CAVALRY PORTFOLIO SERV is reporting a debt of {$410.00} to credit reporting bureaus, i have never done business, signed any contract or documents with CAVALRY PORTFOLIO SERV or anyone they are collecting for, I do not wish to contract or do business with CAVALRY PORTFOLIO SERV.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The CMI Group, Inc. (CA)

On XXXX XXXX, 2024, I sent a debt validation request to Credit Management LP regarding an account from XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) with a balance of {$640.00}, which pertains to XXXX  bills incurred after I vacated the property at XXXX XXXX XXXX, XXXX, XXXX. Under 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), Credit Management LP is required to cease all collection activities, including reporting the debt to credit bureaus, until they provide proper validation if disputed within XXXX  days. Despite my timely request, they failed to validate the debt. 

In response to CFPB Complaint No. XXXX, submitted on XXXX XXXX, 2024, Credit Management LP acknowledged that they had " notified the credit bureaus to remove this tradeline from XXXX XXXX credit report '' but admitted that this " will not resolve the underlying debt. '' However, as of today, the tradeline has not been removed from my credit report, which is a violation of the FDCPA. The law is clear : If the consumer notifies the debt collector in writingthat the debt, or any portion thereof, is disputed the debt collector shall cease collection of the debtuntil the debt collector obtains verification of the debtand a copy of such verification is mailed to the consumer by the debt collector. ( 15 U.S.C. 1692g ( b ) ).