davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-22
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Genesys National Recovery, Inc. (PR)

An agent called me last week, asking me to pay this debt in that right moment. I was trying to explain her that I dont have this amount available this day. Agent was not open to negotiate and begin to threath me telling me that we will meet at court on XX/XX/XXXX, I asked her to send me the notification by email to make proper arrangements at work and with a lawyer but she skipped to. She just continue threathing me, speaking outloud and never take time yo hear me. She used an innapropiate way and language
Consumer complaint received 2024-06-01
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. (FL)

I was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XX/XX/XXXX CC : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!!

Im not happy with the way your company is handling my consumer report. I was a part of a Equifax breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer.

Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : Account Number : XXXX XXXX XXXX fraudulent account XXXX XXXX XXXX fraudulent account XXXX XXXX fraudulent account XXXX XXXX XXXX fraudulent account XXXX XXXX XXXX fraudulent account XXXX XXXX XXXX fraudulent account XXXX XXXX XXXX fraudulent account Its your duty, mandated by law be in co

mpliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. Tracking everything CC : FTC,
XXXX, CFPB XXXX XXXX
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

My Experian credit score never change it is XXXX causing me not to get a dream home loan, I decided to check the other credit bureau and my score is in the XXXX, making my work to improve my credit accurate, but Experian it has always been XXXX
Consumer complaint received 2024-05-31
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. (PA)

I am disputing the negative items in my credit profile. I dispute these claims and demand that any information be removed from reports immediately if it is inaccurate or misleading, as this will only harm me further! Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity.B - Furnish information about accounts or other relationships with a consumer that is accurate.C - Conduct reasonable investigations of consumer disputes The CRRG standards state that in order to make a report, you must follow their guidelines. Any deviation from these standards jeopardizes the integrity of data. This means any mistakes when reporting claims can have serious consequences for accuracy- which affects your federally regulated reports! With that said! I found some mistakes and inaccuracies in your report, which I would like to dispute/challenge.The following claims about me were not reported correctly and I am challenging these inaccurate statements. Please provide proof that the proper reporting standards were followed so this can be resolved immediately! 
I have attached documentation verifying my identity my address and the account in question.
Consumer complaint received 2021-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Paypal Holdings, Inc (PR)

I trying to get a PayPal account. Company allege that in 2014 was open an account with my credentials. The area code phone is not the same that my area code phone. The email coincide, i don't know how. I am in this nine days by phone without callback nor results all times that i called.

I sent from carrier mobile the information of my account.
Consumer complaint received 2024-05-31
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. (NJ)

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XXXX XX/XX/year> EXP REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.
Consumer complaint received 2021-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (PR)

i was checking into the application on experian to see how my credit and my credit score doing to see if they went up or down.when i look into that it say that my credit score was unavailable when i call the experian customer support.the only thing she was told me was that they had on error on my credit report i know that the main reason not able to view my credit score .iam asking her if she be able to fix that error her respond was that she not able to fix it and she going to transfer me to a customer service again so iam not able to see my credit score because of that internal error .other thing she told me was that for me in order to see any activity on ny credit report was that the creditor report to them about my account but by law they not obligate to report to them so my ability to obtain or receive credit went to dead end
Consumer complaint received 2024-06-27
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 have received your computer-generated notice informing me that you did not do any action or investigation for the disputes I sent out last time because you think I may have used a third-party credit repair company. Not only do I think this is just your delaying tactics to get an extra 30 days to fulfill my first request, but I also think it's a clear violation of the Fair Credit Reporting Act. Again, please be informed that you are reporting inaccurate and incomplete information on my credit report.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.
Consumer complaint received 2016-09-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

The following credit inquiries appeared on my Equifax credit report that are the result of fraud/identity theft. I 'm seeking assistance in the immediate removal of these inquiries from my Equifax credit report : XXXX XXXX XXXX made on XXXX/XXXX/16 ; XXXX XXXX made on XXXX/XXXX/16 ; XXXX XXXX made on XXXX/XXXX/16. In addition, I have a fraud alert filed on XXXX/XXXX/16 with Equifax alone with a policy report completed on XXXX/XXXX/16. I 've even completed a formal investigation request with the FTC as my identity has been stolen and my personal information has been sold to potentially multiple people. Your assistance in getting these inquiries removed from my Equifax Credit Report is appreciated.
Consumer complaint received 2024-06-01
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. (GA)

Upon viewing my EQUIFAX consumer file I noticed the credit inquiries I did not authorize. 
I filled a formal FTC complaint that I will attach These are the inquiries XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (PR)

I hold a VA loan with Pennymac. I am XXXX  and my house in the States, is now a rental property. My tenants lost their jobs due to COVID. I took advantage of the Forbearance program to cover those months. When I went back to regular payments, my mortgage balance went from {$180000.00} to {$190.00}, XXXX. Had I known I would owe an extra {$10000.00} at the end of the " benefit '', I would never had participated. This has caused a financial hardship. I am wondering if this could be covered under the Military Lending Act? 
Loan Number : XXXX Property Address : XXXX XXXX XXXX, XXXX PA, XXXX
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

the amount owed on this XXXX XXXX XXXXXXXX account label as late payments account # XXXX According to The FCRA is a federal law that gives the consumer The right to dispute inaccurate information that appears on your credit report. And this account have reported inaccuracies for a long time the balance the credit limit the pass due please have this removed because all three bureaus is very inaccuracies
Consumer complaint received 2024-05-31
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. (SC)

I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

Good Evening, My name is XXXX XXXX and I am filing this complaint because this is the third time that I filed my claim when my identity was stolen and no action has been taken. Credit bureau has not been sending any mail responses to my disputes nor have these companies. At this point I feel like my rights as a consumer are being violated. I am the victim in this situation and I can not even get the proper help or response from the companies who oversee credit reporting. If no further action will be taken, I will pursue legal action
Consumer complaint received 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANCO POPULAR DE PUERTO RICO (PR)

Banco Popular de Puerto Rico already made a mistake back in XXXX to the effect they had to issue a letter admitting the mistake on my credit report. Now, once again, and I spoke with them on Friday, XX/XX/XXXX and sent them an electronic mail on XX/XX/XXXX. Their mistakes have made me incur in time and resources due to their unprofessionalism. As I stated in my letter, Banks in Puerto Rico should be seroiusly and carefully monitored. Another PR Bank reflects a balance on my credit when it was paid in full in XX/XX/XXXX. The Covid-19 related excuses they use are incoreect as these errors can be fixed from their comfort of their home if they cared. TIME IS OF THE ESSENCE. INTEREST RATES ARE AT RECORD LOWS NOW. They are beyond anyones belief. I have had XXXX, XXXX XXXX, etc., NEVER AN ISSUE. THANKS
Consumer complaint received 2024-06-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (PA)

I recognize that under FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you kindly review the documents? I've observed that a significant number of the listed accounts appear to be incorrect, and this is troubling to me.
Consumer complaint received 2021-07-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANCO POPULAR DE PUERTO RICO (PR)

Popular Mortgage assigned the appraisal firm XXXX XXXX XXXX XXXX XXXX to carry out the appraisal of unit XXXX XXXX XXXX XXXX XXXX, XXXX, P.R. XXXX XXXX XXXX XXXX XXXX ' appraisal report for apartment XXXX XXXX XXXX XXXX states that the appraised value is {$170000.00}. The appraisal report has errors and inconsistencies for this reason I request a reconsideration of the appraisal. 
The report reflects that the appraisal firm XXXX XXXX XXXX XXXX XXXX is not familiar with the supply and demand of real estate in the municipality of XXXX, Puerto Rico or has the intention of representing the market incorrectly and attributing an appraised value inconsistent with reality and in this way, I wont be able to benefit from the most attractive product that Popular Mortgage qualifies me for. 
Popular Mortgage and XXXX XXXX XXXX XXXX XXXX are formally requested to evaluate all the data provided and make the necessary adjustments to reflect the appraised value of the XXXX XXXX Cond Sea View based on the information available and the reality of the market. Otherwise I request a reimbursement of appraisal amount {$580.00}.
Consumer complaint received 2018-09-21
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Shellpoint Partners, LLC (OH)

1. Loan service company has failed to adjust the loan at the time of debt reduction court ordered see doc 338.

2. loan service company failed to correct payment amount to match new agreement in XXXX see loan history statement. 
3. loan service company failed in XXXX to apply 2 payments that were in compliance with the new agreement. 
4. XXXX loan service company purchased forced placed insurance on the property while the property was under a federal stay. The service should of ask the court for the insurance it was on file in the federal bankruptcy court 5. Loan service company adds escrow account for insurance on the loan without a petition to the court and then added the debt to the balance to the loan. this is a violation of the law FDCPA and Bankruptcy code. 
6. Loan service company has now added the discharged debt of the loan to the payoff trying to collect a discharged debt. see Exhibit Shellpoint Notice
Consumer complaint received 2021-07-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC (PR)

Collections company does not provide information of this account and put it on my credit i have never had a bad account and I dont know whats this about, collection company not provided anything to support the fraud they are making. They dont answer the letters send to the trabking num XXXX Company can not even provied a licence to collect in my state and refused to erased this from my credit report which they cant even prove it is mine.collection company has never contact me they went direct to a credit beauro to damage my perfect file of many years. 
How can XXXX  continue to say this is mine if they dont have proof to support this.
Consumer complaint received 2023-10-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (MI)

I signed up for auto payment of my student loans with my new loan servicer, Mohela. 
Student loan repayment resumed in XXXX. My account was not debited, and I received a letter from Mohela saying that my account was placed into forbearance. I called and was on hold for 2 hours and 19 minutes, which is unacceptable. The US Department of Education should have customer service metrics and requirements for contracts, and there should be penalties for wait times this long, since they indicate the company is focusing on profits over customer service.

The person I spoke to said there was no reason that she could see for the administrative forbearance on my account. She also noted that many other people had there loans placed into forbearance. Not knowing the profit terms of their contract, I worry that Mohela may have done this to squeeze out extra interest on loans. 

When I asked the customer service person how I could submit a complaint to Mohela, she told me there was not a way, and to reach out to the Dept. of Education, which I had already done. I then waited on the phone for 25 minutes while she waited to find out how I could complain.
Consumer complaint received 2024-06-01
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. (IL)

I have consistently maintained timely payments, so I'm perplexed by an error in my credit report. I seek accurate, updated records that reflect my on-time payments for those accounts.
Consumer complaint received 2024-06-28
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 have an item from XXXX XXXX XXXX for a second auto loan in the amount of {$20000.00} that is not mine. When I call or write to verify they never send me anything. I had XXXX auto loan with them that was paid off. The phone number, address etc they have does not belong to me and never has. I have sent in police reports over years to show them there was someone with similar name that items were being placed on my report. XXXX XXXX XXXX never responded. 

The second item is from XXXX same issue this is from XXXX they are reporting a charged off account with a past due balance of {$1500.00}, when I call them they say the amount is {$4000.00} and I have never had an account with them. The phone number, address, etc is not mine. 

I sent the police report and fraud notification to them as well. They never respond, just over phone say I have to pay the amount. My most recent communication with XXXX was today XX/XX/XXXX