davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XX/XX/22 Fruadulant activity Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2018-10-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (VA)

I have repeatedly tried to set up repayment plans with Ocwen Loan Servicing after falling behind a year ago. Each time they found a reason to cancel the plan, meaning each new plan was for a higher amount. Today I set up a 5th payment plan, which will take about half of my monthly income to reinstate my account. I can not afford this ; I had a XXXX XXXX injury last winter, two months ' out of work, and hospital bills. 

I have always followed their instruction on payments -- always. But their notes seem to show me at fault for " paying late '', though I have not. 

Please see my attached letter, sent to Ocwen requesting help ( unanswered ).
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

It's required by FCRA 605B that we remove any incorrect accounts from my credit report. Would you please review the documents? Some of the listed accounts are inaccurate in terms of reporting. I should receive {$1000.00} for each inaccurately reported item on my credit file.
Consumer complaint received 2024-01-23
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)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX  Account Name : XXXX  XXXX Account Number:XXXX Account Name : XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-07-30
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: FIRST CONTINENTAL MORTGAGE LTD (TX)

On XXXX XXXX,2017 I received collections and process of foreclosure on my home.
I have not receive a approval from First Continental Mortgage on my VA Loan Modification and affordable mortgage payments have not been implemented.
I already contacted HOPE Program Counselor on Satuday. XXXX XXXX,2017 and I have a case caller ID # XXXX ( HOPE Program contact XXXX .I am already enrolled.I can not afford to pay {$5600.00}.
VA Loan Modification should have been approved and completed. We are going to the month of XXXX 2017 and like to start making my affordable timely VA Mortgage payments starting XXXX XXXX,2017.
I will send verification on First Continental Mortgage collection by electronically email to Federal Government and ADA Disability Act under Department of Justice.I am XXXX Lifetime and Retired and love to stay in my home.
Urgent Matters!
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: International Computer Systems, Inc. (KS)

XXXX XXXX -- Created a Collection account. {$320.00} past due as of XXXX XXXX. 

This was sent to FIRST COLLECTION SVCS I've contacted FIRST COLLECTION SVCS -- and they told me to contact XXXX XXXX. 

XXXX XXXX has not returned my calls. Further I have a statement on my credit report to _call_ my personal number before opening any accounts. This is due to prior identity theft that is also listed on my credit report. 

XXXX XXXX allowed a fraudulent account to be opened in my name and then sent the unpaid debt to a collection company without seeming to verify anyone 's identity.
Consumer complaint received 2024-05-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I consistently ensure that I pay on time, and I am sure of this. However, what I am unsure about is why this company is reporting me as late in certain months, which should not happen. According to USC 1666b, any billing error should be corrected ; otherwise, they will owe me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2024-01-23
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

Hello, I am writing to file a claim against XXXX XXXX XXXX XXXX, managed by XXXX, concerning hidden application fees that were not initially communicated to me. 
In XX/XX/2023, I viewed a property at the XXXX XXXXXXXX XXXX XXXX in XXXX XXXX and considered moving in. However, I decided against it and chose a different apartment complex instead. Despite this decision, nearly a year later, I was unexpectedly notified by CDR Genesis of an unresolved balance of {$650.00} by XXXX XXXX, even though I never moved in. 

This charge was never clearly communicated to me either during or after my initial application process. Furthermore, upon receiving this late notice, the balance had already been forwarded to credit agency prompting me to settle the amount promptly to avoid any negative impact on my credit score. 

I have since discovered through online reviews and testimonials that this practice of charging hidden fees is a recurring issue with XXXX XXXX. Despite numerous attempts to contact them for clarification and resolution, they have been unresponsive to phone calls and emails. 

Given these circumstances, I believe that the charge is unjustified and was levied without proper disclosure or transparency. At this point, my bank has reversed the payment in my favor ; however, Genesis Credit Agency is now back on my case threatening me to pay the balance or my credit score will be impacted. I am also accruing interest at 7 % for each month that passes until this gets resolved. 

I appreciate your attention to this matter and am happy to provide any further information or documentation as needed. Thank you for your assistance in resolving this issue. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts and inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts and inquiries : 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 2023-08-03
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. (GA)

Under the 15 USC 1681 ( a ) ( 4 ) Congress makes it clear that a consumer has a right to his/her own privacy. 

Equifax is guilty of the infringement upon my Consumer Right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ).

Under the 15 USC 1681b ( a ) ( 2 ) Equifax did not have a permissible purpose, nor did they have my written instruction or permission to publish this particular item on my consumer report. 

Therefore, I will be including XXXX and Equfiax during litigation for wrongful collection attempts.
Consumer complaint received 2024-05-03
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. (NY)

I am submitting this complaint against Equifax for their failure to verify the accuracy of a disputed hard inquiry " XXXX XXXX  '' on my credit report. Despite my repeated requests, Equifax has refused to provide proof that I authorized or initiated this inquiry, instead responding with a generic " Verified As Accurate '' statement without supporting documentation. This violation of the Fair Credit Reporting Act ( FCRA ) has caused me financial harm and distress, and I request that the CFPB take immediate action to require Equifax to remove the unauthorized hard inquiry from my credit report and provide proof of my authorization or initiation of the inquiry. I have attached supporting documentation, including my dispute letters, and responses from Equifax, which demonstrate the severity of this violation and the need for swift resolution.
Consumer complaint received 2024-05-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

Timely payments are always a priority for me, and I am certain about this. However, I am unsure why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing error should be corrected, or they will be liable to pay me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2024-07-30
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. (IL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5- -1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2023-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

I got XXXX secured credit cards XX/XX/2022. XXXX was with XXXX. After 6 months of good on time payments I was given an unsecured card and my security deposit was mailed to me briefly. Then I got a XXXX XXXX secured card. And also I got a capital one card. These cards did not convert to unsecured even after 6 months of on time payments. So I closed them. The XXXX XXXX  added the security deposit into my bank account immediately while on the phone. But the complaint I have is with capital one. They are purposely taking a long time to hold onto my money and did not issue an unsecured card. I closed my secured card XX/XX/XXXX and I have still not received my security deposit or any promises that it will arrive after 1 month. They are taking advantage of me when I originally wanted an unsecured card and that's why I got a secured card to build credit and convert it. And they are not giving my original money back. Obviously the best company to get the secured card is with XXXX. I no longer want to do business with Capital One. All their service is overseas and they are taking my personal information when I call in. They don't care and they hang up when there's a real issue. This is the total opposite from my experience with XXXX. Why would I get a secured card and then spend years waiting for it to convert because the bank wants to hold onto my security deposit? This is what I was told by someone at XXXX XXXX that it took 18 months for her card to convert. And who knows what would happen with Capital One. I would like my money back immediately. Why would I need to get on here to complain? It's because the company is not helping whatsoever and obviously taking advantage that I gave them money to hold onto. This mean that they do it for everyone and take advantage of everyone.
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (OH)

not reporting accurate information. According to [ 15 USC 1681e ] ( b ), 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 to whom the report relates.
Consumer complaint received 2024-03-06
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CCF Intermediate Holdings LLC (AL)

Unfortunately, I do not have copies of the XXXX original letters I received related to this debt in the amount of {$1100.00}. During XXXX timeframe, I called the collection agency and requested they provide the date this debt was initiated. They would not provide me the information. I have never received a letter stating that I owed any funds at the time this may have occurred. I also searched Florida court websites to locate any cases against me. I was unable to find my name. The document states a case has been filed, but the letter does not provide clear information to confirm the date the case was filed. The document also has not been notarized. When you call the company, you have to leave a message. No one answers the phone. I have attached the letter provided on XXXX and a screen shot of the website information provided. 

The only timeframe based on the address provided in the attached letter is XXXX through XXXX. I purchased a home and this was not my address after XX/XX/XXXX. I also was not employed by the agency listed in the letter at the time this could have possibly occurred. I also do not have any indicators on my credit report of an amount owed to a payday loan account. I was also serving in the reserves at the time that this " could '' have occurred. The information provided in the letter could have come from anywhere. Any people search engine will provide my closest family members and employment. 

My bank has also verified that there are no NSF letters on my account from years of XXXX thru XXXX. However, they need the exact amount of the original NSF to conduct a more thorough search.
Consumer complaint received 2024-04-10
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. ()

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX Balance Owed : {$2000.00}
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Based on a letter I received from XXXX dated XXXX, my loan account was transferred to XXXX effective XXXX. I received a letter from XXXX dated XXXX welcoming me and informing me that they now controlled my loan effective XXXX. ( See XXXXXXXX XXXX XXXX XXXX Welcome letter attached ) Based on views from all three credit reports, XXXX nor XXXX updated my credit report with this information. I reviewed and have filed XXXX disputes regarding incorrect information sent to Transunion, XXXX and XXXX from XXXX. All three credit reports sent information stating that XXXX stated that my loan was in good standing, active and the loan balance of XXXX is still being reported as {$92.00}, XXXX Since XXXX no longer owned my loan effective XXXX, XXXX had no knowledge that I had received a letter from XXXX dated XXXX informing me that I had received from the XXXX XXXX XXXX XXXX Driven Repayment ( IDR ) forgiveness and my loans were PAID IN FULL effective XXXX. ( See attachment XXXX XXXX XXXX XXXX XXXX XXXX  ) Each time I submitted a dispute with each credit bureau ( Transunion, XXXX, and XXXX ), XXXX continued to report there was a balance. How could XXXX know if there was a balance if they transferred my loan? XXXX failed to update their records with the national credit bureaus indicating that XXXX was my current loan service provider. 

XXXX has also failed to provide the information to the three credit bureaus that they were the last loan service provider for my loans when I was given the IDR forgiveness on XXXX. To date, XXXX is not listed as a service provider on my credit report. 

This fraudulent reporting from XXXX has impacted XXXX, Transunion, and XXXX from reporting my current credit utilization on my credit reports which also impacts my credit score. 

As of XX/XX/2024, XXXX is still reporting that the Dept of Education loan balance is still active and has a balance of XXXX, XXXX. As of XX/XX/2024, XXXX is still reporting that the Dept of Education loan is still an active and open account with a balance of XXXX, XXXX according to XXXX. ( See attachments ) Please review the attached documents regarding my student loan accounts and assist me by updating your information on my credit report. This letter has also been sent to the FCRA and Fair Credit Consumer Financial Protection Bureau to assist me with my complaint. 

In closing, I do not have an active educational loan and my loan should reflect a XXXX balance and not a balance of {$92.00}, XXXX. 

Thank you for reading my email and your attention to this email.
Consumer complaint received 2016-09-09
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Resurgent Capital Services L.P. (GA)

I received a notification on XXXX by a letter dated XXXX to appear in the Magistrate Court of XXXX County for Civil Action Number : XXXX. - LVNV Funding vs. ******* ( Last Name is misspelled on action ) The letter states that I need to appear in court on XXXX. I do not owe LVNV Funding and do n't know what the debt is. Many years ago I closed several credit cards and in XXXX went through a personal bankruptcy where all debtors were paid in full from the proceeds of a major personal injury lawsuit recovery in XXXX.
Consumer complaint received 2024-05-03
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. (NY)

I am writing to submit a complaint against Equifax for their failure to provide documented proof of late payments on XXXX XXXX XXXX  Account Number : XXXX that was inaccurately reported. Despite multiple requests ( five times ), Equifax has continued to claim that the creditor has verified the information as accurate without providing any supporting documentation. This has led to ongoing inaccuracies on my credit report, causing financial harm and distress. XXXX XXXX XXXX XXXX constantly reports to Equifax that I had a late payment on XXXX, XXXX. I Have never made a late payment to this company. I would like documented proof of this late payment, If documented proof can not be provided to ME via email or mail I would like this account updated to " Paid As Agreed '' or removed from my account. 

Timeline of Events XX/XX/XXXX : Initial dispute submitted to Equifax regarding inaccurate account information XX/XX/XXXX : Equifax responded, stating the creditor verified the information as accurate, but no documentation was provided Desired Resolution I demand an escalation of this matter and request that Equifax provide the following : 1. Immediate removal of the inaccurate information from my credit report 2. Documentation proving late payments, as claimed by Equifax and the creditor 3. A formal investigation into Equifax 's handling of my dispute and their failure to provide supporting documentation 4. Compensation for the financial harm and distress caused by Equifax 's actions Additional Information I have attached supporting documentation, including [ list attached documents, e.g., credit reports, dispute letters, responses from Equifax ]. I believe Equifax has violated the Fair Credit Reporting Act ( FCRA ) by failing to provide accurate information and documentation, and I request that the CFPB take appropriate action to address these violations.