davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-19
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. (MI)

XXXX XXXX XXXXXXXX ( {$1600.00} ) XXXX XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I've asked Please start an investigation and prove that this actually belongs to me. 

XXXX XXXX - XXXX ( {$320.00} ) XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I've asked to Stop reporting this collection because it is unknown. 

XXXX XXXX - XXXX ( XXXX ) XXXX XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I've requested to Stop reporting this collection because it is unknown. 

XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX INQUIRIES ABOVE, I've asked to Remove this inquiry because of false reporting, it does not meet one of the requirements for the reporting of inquiry.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (CA)

Navy Federal credit union has failed to provide the consumer ( ME ) with the option to opt of of non disclosure reporting to Non-affiliated 3rd party companies ( credit bureaus ) every 30 days as noted in 15 USC 6802, and also violated my rights IAW 15 USC 6803 reporting my nonpublic information to nonaffiliated 3rd party companies ( credit bureaus ) and the terms set forth by navy Federal credit union.

15 U.S. Code 6802 ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; 15 U.S. Code 6803 - Disclosure of institution privacy policy U.S. Code Notes prev | next ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution ; and ( 3 ) protecting the nonpublic personal information of consumers.
Consumer complaint received 2024-04-19
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. (LA)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2023-12-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (TN)

MIDLAND CREDIT MANAGEMENT continues to send me letters stating that I owe them a debt. I have informed them in writing that I am not refusing to pay the debt but I am not aware of having an account with them. I have asked them to provide me with a signed contract between them and myself so that I can ensure that I am not a victim of identity theft. They responded telling me if I don't believe the debt is mine for me to file an identity theft report, which I have done. I am still receiving letters from them offering me a discounted fee, but they still can not provide me with the evidence that I have an account with them. The last letter says I have been pre approved for a discounted rate, and I want to know how I was approved, was my social security number ran, without my permission? This company seems very fraudulent because they can't provide me with proof that I have an account with them, but they continue to offer discounts on the alleged debt.
Consumer complaint received 2023-12-01
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

My loan is a VA Loan. I was put on a COVID Assistance deferment since XX/XX/XXXX. I have now paid them what I owe them for the XXXX year. I still owe them for XXXX year. 
However, I became XXXX XXXX XXXX XXXX XXXX XXXX Vet as of XXXX. The tax exemption does not take effect until the following year XXXX. I believe there is an Escrow error and have submitted in writing for an Audit to be done. Carrington Mortgage, will not back date my Escrow since my property taxes went from {$8000.00} in XXXX to now {$780.00} in XXXX. My XXXXXXXX  Mortgage payment was {$3100.00}. After an Escrow Analysis done on XXXX, my Mortgage payment should be {$2200.00}. Carrington wants me to back pay them {$3100.00} for the XXXX year instead of {$2200.00} a year.
Consumer complaint received 2024-04-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I've consistently made timely payments on this account, ensuring they are never overdue. However, I'm puzzled by reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2023-12-02
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)

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 2023-12-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

Dear Consumer Financial Protection Bureau : On XX/XX/XXXX, I went to XXXX Toyota of XXXX XXXX to look at cars. Upon arrival, a Sale lady approached me and asked me how can she help me. Her first question was " Is it the first time you are buying a car? '' I said yes. Then, she took me to see the cars. She convinced me to get the car by stating it was a good deal. I was told the car price was {$33000.00}. Then, when I went to the finance department, the price had change from {$33000.00} to {$38000.00} including my {$4000.00} down payment. I informed the guy from the finance department that the car price was {$33000.00} ; not {$38000.00}. He convinced me by saying as a new car buyer, this is the best deal I can get. They used my lack of knowledge to rip me off on a XXXX XXXX XXXX Toyota XXXX XXXX. 

After receiving the paperwork, I noticed the Total Sale Price of the car came up to {$61000.00} which was not discussed with me. Based on my research, a XXXX XXXX XXXX Toyota XXXX XXXX is only worth {$20000.00}. Toyota was a name brand that I trusted. Unfortunately, they failed me. Therefore, I need to cancel the deal. 

Thank you
Consumer complaint received 2024-04-19
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. (SC)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2023-08-31
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: Experian Information Solutions Inc. (NC)

I have ask for proof of these accounts ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, on more than XXXX accounts, where Ive mailed requests asking for proof and validation of these accounts, and all Ive received is a letter statement saying there verified without proof, this is a violation to my rights, and a violation to my fair credit report act rights
Consumer complaint received 2023-03-15
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. (TX)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX 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 2023-08-31
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: Experian Information Solutions Inc. (NJ)

Experian has not properly reinvestigated XXXX XXXX  acct # XXXX according to 15 USC 1666B. I am challenging the timing of this alleged late payment and if you can not validate then please update to paid as agreed, never late
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

To whom it may concern Im writing this complaint in order to start the process of removing fraudulent accounts from my XXXX XXXX and XXXX credit files. I never received any prior correspondence or communication from ic systems claiming that I owe money Ive never had any bills from them there was a fraudulent apartment opened in my name as well as a fraudulent phone line from XXXX that I had no knowledge of until early XXXX when my XXXX account was charged XXXX $ dollars I just didnt know for what until now I never received I never agreed to any phone commitment with XXXX . Never received any communications I have reason to believe I am being impersonated I was contacted via telegram a random person threatening to become me and ruin my life I dont know if this is part of there plan but its definitely affecting my credit standing this isnt right and I need someone to look into this.
Consumer complaint received 2023-04-12
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. (SC)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I disputed 3 different hard inquiries with Transunion last month, and Transunion 's solution to the problem was to place a fraud alert on my credit report as oppose to just removing the inquiries. This fraud alert makes it harder for creditors to access my credit report for which has been working against my quest to purchase a home.
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Control, LLC (FL)

The primary statute in Illinois requiring licensing in the area of debt collection is the Illinois Collection Agency Act. ( 225 ILCS 425 et seq ). Under the Act, anyone acting as a collection agency must obtain a collection agency license. An entity is considered to be acting as a collection agency when, among other things, it engages in the collection of debts for others or buys accounts, bills or other indebtedness and engages in collecting the same ( 225 ILCS 425/3 ). Debt collection is defined as any act or practice in connection with only consumer debts 225 ILCS 425/2 ). Even out-of-state debt buyers must be licensed, if they buy and sue on consumer accounts in Illinois ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ). To obtain the collection agency license, a {$750.00} fee must accompany the application, along with a bond for {$25000.00}. The applicant must also provide an employment history, financial statement, employee identity listing and trust account financial report. Please provide the following : you signed the application the entity suing you purchased the right to collect on the debt the balance claimed as being due is calculated properly the loan has not been rendered unenforceable due to the expiration of the statute of limitations
Consumer complaint received 2023-09-19
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. (KY)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 2023-12-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (FL)

I made a payment through the Navy Federal Credit Union ( NFCU ) XXXX  app using an ACH transfer. Initially, the payment was displayed in the app, but it disappeared the next day, which was unlike my previous experiences. Thinking I hadn't completed the payment, I made it again. Shortly after, I realized the first payment had been processed, but I couldn't cancel the second one due to repeated app errors. The next morning, both payments were posted to my account. I contacted NFCU to reverse the duplicate payment because of the app 's failure to provide updated information. I had closed my checking account with NFCU nearly a year ago due to suspected predatory practices. NFCU responded that I need to reopen a checking account to process the reversal. I believe this situation highlights unfair practices and request an investigation into NFCU 's operations.
Consumer complaint received 2023-12-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LoanCare, LLC (MI)

I cant request information from Loancare because their phone system is still not available. They only have one option # 1 and either clicking one or hold then the system mentions about business hours, sorry for the inconvenience and then disconnects.
Consumer complaint received 2024-04-19
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. (TN)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX Inquiry Date Removal Date Type Phone Number XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry Date Dispute XXXX XXXX XXXX  XXXX Inquiry Date Removal Date Type Phone Number XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date Removal Date Type Phone Number XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry Date XXXX Removal Date XXXX Type National Credit Card Cos. 
Phone Number ( XXXX ) XXXX XXXX Inquiry Date Removal Date Type Phone Number XXXX XXXX National Credit Card Cos . 
( XXXX ) XXXX XXXX Inquiry Date Removal Date Type Phone Number XXXX XXXX National Credit Card Cos . 

XXXX XXXX XXXX XXXX Inquiry Date XXXX Removal Date XXXX Type National Credit Card Cos. 
Phone Number ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry Date Removal Date Type Phone Number XXXX XXXX National Credit Card Cos. 
( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Inquiry Date Removal Date Type Phone Number XXXX XXXX National Credit Card Cos. 

XXXX Inquiry Date Removal Date Type Phone Number XXXX XXXX National Credit Card Cos. 
( XXXX ) XXXX Inquiry Type : Credit Unions XXXX XXXX XXXX Inquiry Date Removal Date Type Phone Number XXXX XXXX Credit Unions ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry Date Removal Date Type Phone Number XXXX XXXX Credit union XXXX XXXX XXXX Inquiry Date Removal Date Type Phone Number XXXX XXXX Credit Unions ( XXXX ) XXXX Dispute XXXX XXXX XXXX Inquiry Date Removal Date Type Phone Number XXXX XXXXXXXX Credit Unions ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date Removal Date Type Phone Number XXXX XXXX Credit Unions ( XXXX ) XXXX XXXX
Consumer complaint received 2023-09-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (HI)

Contacted NelNet via email at XXXX on XXXXXXXX  and received automatic reply stating " Thank you for your email. Were currently experiencing unprecedented email volume, which is preventing us from responding to your specific question ( s ). We apologize that we arent able to answer your individual email, but we believe that one of these options may be the fastest way to answer your question ''. I am unable to create an online account and was instructed via their website https : //nelnet.com/welcome to do the following " We do not have a current, valid email address or phone number on file for you to send the authentication code to. Please call us at XXXX to gain access to your account. View our hours at Nelnet.com/contact. '' I called NelNet at XXXX on XXXXXXXX  and waited on hold for 1 hour and 31 minutes ( XXXX to XXXX my time HST ). I was continued on hold even though their business hours on Fridays are XXXX to XXXX EST. I hung up since their offices were closed. I never spoke to a representative.
Consumer complaint received 2023-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC (SC)

For the third time this year, I requested an escrow analysis be run on my account with different information regarding my tax bill. I received my tax bill from the county and requested yet another escrow analysis ( XX/XX/2023 ) be run because the bank has my estimated taxes at over {$7000.00}. My actual bill is only {$2700.00}. Their overestimate is causing me to pay almost {$500.00} more a month then needed. I would like my escrow to be fixed and a refund for the overpayment. If I am calculating things accurately, I do believe I should be receiving a little over {$4000.00} back due to their error.