davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NY)

Like like to be given a correct date of the XXXX of {$1400.00} and {$6500.00}, to be XXXX to my checking account? 

And a letter sent through my MOHELA account explaining the reason for the delay being that they were already paid by the Federal Student Aid for my loan back on XXXX XXXX XXXX? I would like a letter from them, as to the reason why I didn't received the payment of {$6500.00} plus {$1400.00}, according to the letter dated XX/XX/XXXX, this was suppose to be ACH to my a checking account by XX/XX/XXXX. 

I have tried o many occasions to follow back up with the supervisor XXXX XXXX ext XXXX ( left message, no return call ) and know her phone is disconnected. 

My revised effective date of forgiveness is ( XX/XX/XXXX ), which was resolve when I spoke with another supervisor on XXXX confirmed, both payments to be ACH by XX/XX/XXXX Also, left messages on voice for the CEO XXXX ext XXXX and the XXXX XXXX XXXX ext XXXX and neither one returned my call.
Consumer complaint received 2024-05-29
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. (NY)

I received a text message that said that my fico score has been modified! do access the altercations ASAP as they may have significant impact if not fixed within 27 hours.The email I received is : XXXX XXXX XXXXXXXX, I also have a phone number which is XXXX. I called the number and a recording came on and said that the voicemail has not been set up yet, goodbye. I looked up the email and it came to a statement saying that they were alerting me about a scam from Equifax, XXXX and XXXX. never clicked on the email because I have gotten a lot of texts from whoever is sending them, they are not only the same thing, its usually a different type of text.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

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 make sure it was reporting XXXX XXXX  correct. 

In accordance with the Fair Credit Reporting Act, everything has to be XXXX XXXX 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 XXXX XXXX  accurate.
Consumer complaint received 2024-05-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (LA)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PLANET HOME LENDING, LLC (GA)

Planet Home lending illegally and incorrectly reported a payment as late and their representatives refused to offer any solutions as required and required under the terms of The Cares Act. Not only has planet home lending repetitively displayed miss conduct and unethical behavior, they have also refused to respond to a letter I forwarded requesting assistance and couldn't provide adequate notice and/or a reason as to why I was not notified of a late payment.

Furthermore, records show that during the transition from XXXX XXXX XXXX XXXX XXXX ) to Planet Home lending, proper documentation was lost that included details of my home owners insurance with XXXX to lapse. 

Under the Fair Credit Reporting Act, a person can receive a copy of a call if the individual requested the conversation is in a lawsuit against the business.
Consumer complaint received 2023-11-08
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (GA)

Hi I had an issue with an purchase that I ordered back on XX/XX/2023 The sales representative XXXX never added the table to that order. When the furniture came in on XX/XX/2023 The table was not ordered which meant I have to go back to the store a thrid time and they were trying to charge me for delivery. Initially stated at that time that I did not want to order anything else from them however the sales manager stated that she wanted to make it right at that time we placed the order, which the soonest was XX/XX/2023. With hesitation I finally agreed. On XX/XX/XXXX a women named XXXX then called me and advised that I would not get it the table till XX/XX/2023 that time I made another trip to there location, Spoke with the manager at that time called the store to make sure there was an order for it on XX/XX/XXXX. My phone was off by accident and they called me I called them right back about XXXX. Later at that time they stated they could not bring it back and that I would have to pay for an delivery fee I asked the manager at that time what am I getting compensated for they then stated they would have to charge me and I advised them if that was the case that I did not want the table and will take my business elsewhere, Which resulted in them retaliating and closing the account.
Consumer complaint received 2023-12-06
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. (MD)

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 XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OR)

On XX/XX/XXXX I sent XXXX a letter saying : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX Last 4 of XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom It May Concern : Recently I looked at a copy of my credit report and noticed some inaccurately reporting information in the personal information section. To diminish speculation, my information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX Phone Number : XXXX Employer : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MY ADDRESSES ARE WRONG. MY EMPLOYER IS WRONG. I HAVE NEVER WORKED FOR XXXX. THIS IS MAKING IT IMPOSSIBLE TO VIEW MY CREDIT REPORTS ONLINE, BECAUSE YOU ASK FOR VERIFICATION AND I HAVE NEVER WORKED AT XXXX. 

Once the incorrect information has been deleted, please send me a copy of my new credit report. 

Thank you in advance, XXXX XXXX Since I did not hear back from XXXX, on XX/XX/XXXX I checked my credit report and saw the same incorrect information reporting on my credit report. 

On XX/XX/XXXX I sent the letter stating : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date of Birth : XX/XX/XXXX Last 4 of SSN : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom It May Concern : I received your letter dated XX/XX/XXXX requesting for more verification of my identity. It is enclosed along with this letter. Once again, I recently I looked at a copy of my credit report and noticed some inaccurately reporting information in the personal information section. To diminish speculation my information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone Number : XXXX Employer : I am a Student at XXXX XXXX XXXXXXXX XXXX MY ADDRESSES ARE WRONG. MY EMPLOYER IS WRONG. I HAVE NEVER WORKED FOR XXXX. THIS IS MAKING IT IMPOSSIBLE TO VIEW MY CREDIT REPORTS ONLINE, BECAUSE YOU ASK FOR VERIFICATION AND I HAVE NEVER WORKED AT XXXX. 

Once the incorrect information has been deleted, please send me a copy of my new credit report. 

Thank you in advance, XXXX XXXX On XX/XX/XXXX I received a letter from XXXX not addressing my concerns at all and instead talking about my " concerns about fraud '' which was not the issue. 

I still to this date have inaccurately reporting information on my XXXX credit report. I sent in a letter on XX/XX/XXXX asking them yet again to rectify the information on my credit report ( my phone number, address, employer, etc. ) I will include the certified mail receipts for all correspondence sent on my behalf. 

I still have not received an accurate credit report from XXXX.
Consumer complaint received 2024-05-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2023-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

On XX/XX/23 I went to make a cash deposit of {$240.00} at a 5/3rd bank in XXXX Illinois , and the ATM took my cash but did not reflect the amount in my checking account. I walked inside the Bank to let them know what happened. The manager was helpful and I talked to the company, but want to put this complaint in writing.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I received a preapproval from Capitol One to open a card. I applied, was rejected, and on the rejection reason was told I had too many Capitol One accounts. This happened twice. If this is the case, I ought not to be getting reapproval 's being they know my account. This lowered my credit score by XXXX points.
Consumer complaint received 2024-01-06
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: NAVY FEDERAL CREDIT UNION (FL)

I did not receive my right to rescind my auto loan. I did not receive the truth and lending disclosure. I was discriminated against numerous time from various financial institutions by denying me credit. I did not receive my tender back from after I paid off the account. See attached.
Consumer complaint received 2024-05-30
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)

According to 15 USC 1681e ( b ) everything showing on my credit report should be complete and accurate. Please re-investigate the late payments showing on ( XXXX Acct # XXXX ) Ive asked for these to be investigated multiple times. There are several inaccuracies. Please delete these late payments
Consumer complaint received 2024-02-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Huntington Debt Holding LLC (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Huntington Debt Holdings XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Re : Disputed Debt and Violation of Consumer Law Dear : Huntinton Debt Holdings Representative I am writing to formally dispute a debt you are attempting to collect from me. The account number you have associated with this debt is XXXX. 

I am disputing this debt for the following reasons : Deceptive and Misleading Practices : You have engaged in misleading and deceptive practices in your attempts to collect this debt, in violation of 12 C.F.R. 1006.34 ( b ) ( 5 ). Please provide specific details of these practices, such as : Making false or misleading statements about the amount of the debt.

Threatening to take actions that you can not legally take. 
Using harassing or abusive language. 
Failing to properly identify yourself as a debt collector. 
FCRA Violation : You have furnished this debt to a credit reporting agency without providing me with all the disclosures required by law, in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ). This includes disclosures about : The validation of the debt.

Your right to dispute the debt.

The information that will be reported to credit reporting agencies.

Also based on 12 CFR 1006.34 ( c ) ( 4 ) ( i ), which prohibits creditors from providing inaccurate or misleading information to a consumer reporting agency about a disputed debt. I believe the information you have provided is inaccurate or misleading And according to 12 C.F.R. 1006.34 ( d ), which prohibits creditors or collection agencies from communicating about your debt to third parties who are not involved in the collection process. This includes, but is not limited to, neighbors, employers, or roommates.

I request that you take the following actions : Cease and desist all collection activities : Stop contacting me by phone, mail, or any other means regarding this debt. 

Investigate my dispute : Thoroughly investigate my claim and verify the accuracy of the information you have reported to credit reporting agencies. 
Correct any inaccurate information : If you find that the information you reported is inaccurate or misleading, I request that you immediately correct it with credit reporting agencies. 
Remove the debt from my credit report : If the debt is found to be invalid or inaccurate, I request that you remove it from my credit report entirely.

If I do not receive a satisfactory response from you within 30 days, I will be forced to consider taking further action, which may include : Filing a complaint with the Consumer Financial Protection Bureau ( CFPB ). 
Reporting the violation to credit reporting agencies. 
Pursuing legal action. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-29
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)

I have been disputing these accounts with the creditors and the bureaus since they are the product of identity theft, so far they have not complied with my requests to have them removed. I made a complaint to the CFPB back in XXXX and that complaint was closed the same day, I don't understand why so I want to start a new complaint. The accounts in question are as follows : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX {$15000.00} XXXX ) XXXXXXXX XXXX XXXX  XXXX {$2900.00} XXXX ) XXXX XXXX XXXX {$3800.00} XXXX ) XXXX XXXX XXXXXXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX {$0.00} I am including a copy of an FTC theft report which I have already sent to the credit bureaus to no avail, as well as my license and a proof of address plus my social.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I opened up XXXX credits with this company in XXXX and XXXX respectively to rebuild my credit so that I can make a vehicle purchases, get loans for things needed and a home. In the last XXXX years, I have endured multiple losses of employment along with losing my car and being evicted from my home. I am currently homeless living on the streets, squatting in vacant houses, lots, public spaces, motels with a voucher and shelters upon availability. I have no family or anyone to support me due to personal reasons and circumstances. I am immensely destitute along with not having unemployment benefits or any other income resources. I have applied for multiple job positions and have gotten turned down. In addition, due to this situation of having late payments on my credit reports especially from XXXX XXXX, I am unable to get the steady employment needed to avoid filing bankruptcy again, continued homelessness and not having a vehicle to get around in. I do not have money to move to another state or money to further my education, etc. I am asking them to grant this request without any assistance excuses or lies. They are multimillionaires living the life and they can afford to grant my request along with any amount of late payments waived along with removing the late payments off my credit reports. I have filed multiple complaints against them and they continue to deny or comply with any of my requests. I have spoken nicely with them but they only seem to understand anger and frustration.
Consumer complaint received 2023-04-09
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: JPMORGAN CHASE & CO. (GA)

XXXX XXXX XXXX DATE XX/XX/XXXX STATED PAST DUE AMOUNT {$4400.00} XXXX XXXX OPEN DATE XXXX PAST DUE AMOUNT $ {$0.00} XXXX XXXX OPEN DATE XXXX PAST DUE AMOUNT $ {$19000.00} XXXX. XXXX XXXX XXXX OPEN DATE XX/XX/XXXX STATED PAST DUE AMOUNT {$14000.00} XXXX. XXXX XXXX XXXX XXXX DATE XX/XX/XXXX STATED PAST DUE AMOUNT {$14000.00} XXXX. XXXX XXXX OPEN DATE XXXX PAST DUE AMOUNT {$460.00} XXXX. XXXX OPEN DATE XX/XX/XXXX STATED PAST DUE AMOUNT {$560.00} XXXX. JPMCB OPEN DATE XXXX STATED PAST DUE AMOUNT {$8400.00} These account are being furnished to the credit agencies and they are not my accounts
Consumer complaint received 2023-12-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (MD)

XXXX offers guaranteed services for both treatment of lawns and shrubs as is shown on their web page ( Is my XXXX XXXX and XXXX service guaranteed? 
Yes. Customers benefit from our XXXX XXXX, which means we will gladly re-visit your property between scheduled visits at no additional cost to make necessary adjustments to deliver quality results for your trees and shrubs. ). On XX/XX/2023, I requested a callback service according to the XXXX XXXX for XXXX of my shrubs, XXXX billed me. After I canceled my service on XX/XX/2023, XXXX still treated my shrubs and billed me. They have now employed a collection agency to collect the amounts that I do not owe them. In the meantime, the shrub is blighted as XXXX admitted since XX/XX/2023, and up to XX/XX/2023. In short, I do not owe XXXX {$160.00}.
Consumer complaint received 2024-05-29
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)

There have been unauthorized and unverified hard enquires on my EQUIFAX credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
It looks like someone other than me is using my personal information to apply for credit
Consumer complaint received 2023-12-05
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: CARRINGTON MORTGAGE SERVICES, LLC (FL)

Carrington Mortgage is incorrectly reporting late payments. XX/XX/23 : Dispute reason : " nder 15 U.S. Code 1681s2 ( F ) Reporting information during COVID19 pandemic - Update Account to NEVER late. '' XX/XX/23 : " Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information- Please see attached screenshot of Loan paid off before XXXX with XXXX dollars due. Update Account to NEVER late. '' A letter was faxed to Carrington Mortgage on XX/XX/23. Showing over 10 errors in the account reporting. They did not fix any of them. I had to call for them to even respond to the request for fixing the account. I attached proof to Carrington Mortgage. No payment was ever 30 days past due. They CHANGED NOTHING. XX/XX/23 : Dispute reason : " XXXX - XXXX - Under 15 US Code 1692f ( 1 ). Unfair Practices- Please Delete Immediately '' Carrington mortgage just moved late payments around. They were never late. They were not 30 days past due date. I have tried disputing this with all bureaus. Please look at all letters sent to show the errors in the report. Please pay special attention to the letter sent DIRECTLY to Carrington Mortgage. This has prevented me from getting a mortgage. I sold my house with the intent to buy another one directly after, but they have caused financial harship. I have even started the process to try and file civil claims for FCRA violations. Please update to PAYS AS AGREED, NEVER LATE.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (NC)

THIS COMPANY CONTINUES TO REPORT INACCURACIES UNDER THE FCRA UNDER 15 USC 1681 WHICH STATES : The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

I AM REQUESTING ALL RECORDS THAT SUPPORTS YOU REPORTING THESE INACCURACIES ON MY REPORT.

I NEED EVIDENCE OR PROOF THAT I HAVE LIVED AT THE FOLLOWING ADDRESSES : XXXX XXXX XXXX XXXX XXXX, NC XXXX THEY ARE ALSO REPORTING 2 DIFFERENT SSN ON MY REPORT THIS IS IDENTITY THEFT.