davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-07
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. (NE)

I demand your re-investigation that this account XXXX XXXX Account XXXX : XXXX claiming that I owe this company for a debt that is not valid information. I have to date received no proof that I owe this company any debt and I am being a victim of fraud authorized activity on my credit report. I'm requesting that you forward to me full and proper documentation ( original alleged contract bearing my signature ) as evidence of this alleged debt. Please note that proper documentation is NOT a print out or a bill from them but rather actual proof of the alleged debts existence. If no findings are found this needs to be deleted from my credit report immediately. 15 U.S.C 1681EB states all information on my credit report should be 100 % accuarate and up to date. Thank you
Consumer complaint received 2024-04-07
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)

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 u.s.c 1681. 

XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  US DEPT OF EDXXXX : # XXXX, DEPT OF EDUCATION : # XXXX, DEPT OF EDUCATIONXXXX : # XXXX, DEPT OF EDUCATIONXXXX : # XXXX, DEPT OF EDUCATIONXXXX : # XXXX, DEPT OF EDUCATION : # XXXX 15 u.s.c 1681 section 602A States I have rights to my 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 other than records of conviction 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I was given a bill that was due by XX/XX/XXXX with an amount. I paid off that amount on XX/XX/XXXX. Now I was charged {$76.00} interest. Im not understanding if I have a payoff amount why that isnt the full amount I understand if I didnt pay off the amount they wouldve been able to charge interest but when they give me an amount due and I pay it off, there should be no interest charged. 

It seems to me. This is false advertising with a payoff amount due the purpose of a credit card they gain interest if you dont pay off the amount but if you do, it should be XXXX void. I am seeking reimbursement for the interest, they charged me.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

They have reported 27 overdue 60 day and greater, every month since last year. I have my credit report from last year which is completely different. The old report from last year shows XXXX reported monthly and payments were up to date consecutively for the year, XXXX. Since, I have had such issues with them accepted payoff etc, another complaint with XXXX, they have now changed my payment history from XXXX until now. They have " revised '' my payment history making my credit score drop over XXXX points. This is now making it very hard to apply for a new used car loan with the new credit score the have imposed. Also, they will not close my account. They are adding late fees to me to pay, all the while my car was reported to them as a Total Loss. They refused to give me the payoff, then waited since, XX/XX/XXXX ( date of loss ) to accept payment and complete payment information needed by XXXX XXXX. They are making me pay for the delay and their refusal to accept payments. Refuse to give me the reimbursement for XXXX insurance that I paid for at the beginning of my loan!
Consumer complaint received 2018-08-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Director of Ocwen Department of the Consumer Ombudsman XXXX XXXX Dear Mr. XXXX : On XX/XX/2018, I and a representative of Senator XXXX ( XXXX XXXX ) conferred with you about a serious problem we were having with the modification process of our mortgage. At that time you indicated that you would take care of the situation and would work with me in order to resolve the problems with the modification process of my mortgage. After that conference, I sent a new modification application to you as requested and awaited your response. 

Throughout this period I have been prepared to do whatever is necessary to resolve the situation with the modification -- which really should not be so difficult and is most certainly viable and possible. Unfortunately I received no further communication from you, but have instead just received yet again another letter informing me that you are attempting to sell my home, now on XX/XX/2018. 

We are shocked and very angry that your company would engage in such severely irresponsible behavior. We had an agreement to, in the very least, make an attempt to work out the situation -- which can be worked out. 

The extraordinary act of attempting to sell a familys home without any legitimate legal basis is a life and death situation for some Americans. This profoundly unethical behavior is an abuse of a severely dysfunctional and corrupt legal system in an attempt to do your part in the overall agenda to literally usurp the property of humanity itself. This situation must stop now! 

Please cancel the foreclosure sale scheduled for XX/XX/2018 and communicate with me about this situation. As I have indicated in the past I am certainly willing to work with you to resolve this situation and to avoid what would be a completely inappropriate, illegal, and unconscionable outcome. 

Completely failing to address the situation and allowing such a gross abuse of the rights of others is an absolutely unacceptable way to proceed. 

Sincerely, XXXX XXXX XXXX XXXX CC : Senator XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MD)

There have been several attempts to foreclose in my home without success because of fraud and forgeries. 
XXXX XXXX Circuit Case # XXXX- the plaintiff dismissed the case because of fraud XXXX XXXX Circuit Case # XXXX- Declaratory Case, the judge denied Ditech/ Greentree the mortgage servicer equitable title, equitable mortgage and the ability to enforce the note. 

XXXX XXXX Circuit Case # XXXX even though the plaintiff Ditech knew there was no equitable title, mortgage & no note to enforce a foreclosure was filed again. After mediation the judge told the plaintiff to close the case. 
Ditech is fraudulently selling the mortgage serving to XXXX XXXX XXXX. The mortgage accounts have been removed from my credit report and Ditech told me to contact the title insurance company.
Consumer complaint received 2024-04-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (CO)

My federal student loan servicer is Edfinancial Services. On XX/XX/2023 or 360 Days ago I made a payment on XXXX of my student loans, specifically, I paid {$1600.00} on loan XXXX or XXXX XXXX At this time Edfinancial Services transitioned from XXXX website to another website platform. The payment I made on XXXX XXXX or XXXX XXXX never posted on the new platform. To this day it still shows I owe that payment in addition to the interest its accrued. I have supplied screen shots of my bank statement where the money was removed from my account. I have also provided the confirmation number that Edfinancial Services gave me for the payment. This loan should have been paid off in full in 2023. I continuously receive delinquency notices for a loan that I already paid off in full. I am not paying a XXXX more than i owe on these loans. Recently i found out that Edfinancial Services took that money and put it on XXXX XXXX. I never asked or consented for that money to be placed on XXXX XXXX. I literally call Edfinancial Services on a monthly basis and ask for an update all they can tell me is " be patient '' and " it will only take a few weeks to fix this ''. It has nearly been a full calendar year and this problem still has not been resolved, it has only gotten worse. With inaccurate accounting and payments going to random accounts, Edfinancial Services is a complete nightmare to deal with.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2024-04-04
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. (FL)

After doing some research I have found that XXXX, XXXX, Equifax has illegally hosted information on my consumer report that has cause me much emotional distress. I am not liable for this debt with XXXX XXXX XXXX XXXX I do not have a contract with XXXX XXXX XXXX XXXX XXXX., the have not provided me with the original contract upon request. XXXX XXXX XXXX XXXX is not authorized or licensed to collect debts in the state of FL. 

XXXX, Equifax, XXXX has also illegally hosted information on my consumer report t that has cause me much emotional distress. I am not liable for this debt with XXXX XXXX XXXX, I do not have a contract with XXXX XXXX XXXX they have not provided me with the original contract upon request. XXXX XXXX XXXX is not authorized or licensed to collect debts in the state of FL. 

The use of my consumer report and personal information was misused without my consent, proper verification, and my consumer rights voided on behalf of XXXX.
Consumer complaint received 2018-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Army and Air Force Exchange Service (GA)

I filed chapter XXXX bankruptcy in XX/XX/XXXX case no. XXXX. I have made multiple requests/disputes to both XXXX and AAFES to update my credit reports to show that the account is included in bankruptcy. Although both companies received regular payments from the bankruptcy trustee, they continue to show my account status as a Charge Off and do not report the accounts as included in my Chapter XXXX plan, which will be discharged soon. AAFES even re-dated my account to make it appear it was charged off in XX/XX/XXXX with no status change to reflect that account is part of my chapter XXXX plan.
Consumer complaint received 2018-08-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Collection Management. Inc (MO)

I had a unpaid medical debt show up on my personal credit report that is not something I owe. It was filed by Consumer Collection Management in the amount of ( {$570.00} ). In contacting Consumer Collection Management they say it is under another person 's name so they will not speak with me. This debt on my credit report has lowered my credit score substantially and cause me serious financial damage. It was put on my credit report starting XX/XX/2017 and I have already lost over $ 55K as a result.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO. (ME)

I have a letter outlining what Ford and I agreed to. I as they advised contacted XXXX XXXX  XXXX talked to XXXX on the phone today and they stated we have a file but the information hasnt transitioned yet. My credit score has not be adjusted within the time Frame they gave in writing and again violates my rights as a consumer. They continue doing this. I need my credit report fixed. I want it off my credit but they should at the very least report it correctly
Consumer complaint received 2024-04-05
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. (CT)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. I am writing to dispute the following inquiries. It does not belong to me. I never established this inquiries. I have no knowledge of obtaining any of the inquiries listed here.
Consumer complaint received 2023-09-06
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: DISCOVER BANK (MN)

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account/s below : XXXX XXXX XXXX XXXX ...., XXXX XXXX XXXX XXXX XXXX., XXXX XXXX XXXX XXXX XXXX., XXXX XXXX XXXX XXXX XXXX., XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXXXXXX XXXX XXXX XXXXXXXX and XXXX XXXXXXXX XXXX
Consumer complaint received 2018-08-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (NJ)

i sent XXXX to my friend in XXXX. it was to be an instant transfer and the paypal website said my friend was to receive the full XXXX it turned out that after i paid paypal said it would be a 4 day hold and charged the recipient XXXX. THE XXXX FEE-CHARGE WAS NOT DISCLOSED. THE 4 DAY HOLD WAS NOT DISCLOSED. 

THE RECEIPT CONFIRMATION FROM PAYPAL SAYS NO FEES.
Consumer complaint received 2023-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (TX)

I did not authorize SYNCB/ VERIZO to inquire about my credit. I did not apply for a credit card with XXXX. 

My credit report with XXXX, XXXX, and XXXX XXXX show that on XX/XX/2022, SYNCB/ VERIZO pulled my credit. 

I requested that the credit agencies verify this because : a ) Did not give my permission for SYNCB/ VERIZO to pull my credit. 
b ) I did not sign up for any type of credit service. 
c ) I never received any type of notice in the mail that I was accepted or rejected. My fear is that this went to a fraudulent address and not my address. 
d ) I confirmed with XXXX ( who subcontracts this service out ) that I did not apply for this service. XXXX informed me that there is NO application linked to my phone number. 
XXXX ) SYNCB/ VERIZO has not provided me with a the original contract so that I can verify if it is my signature or a fraudulent transaction.
Consumer complaint received 2023-06-19
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-01-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

The amount of debt of {$1200.00} and {$1400.00} is not accurate. The company, LVNV Funding LLC has not provided me with any proof of ownership or Bill of Sale regarding this debt. As far as I am concerned, I do not owe this amount and deny their allegation. This has negatively impacted my excellent credit rating.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Dear CFPB, I am reaching out to address a serious concern of identity theft related to an account opened under my name with XXXX XXXX XXXX on XX/XX/year>. Despite submitting substantial evidence, including a police report, message screenshots, my credit file, drivers license, social security card, and an Equifax dispute confirmation, my repeated requests for information from your company have been overlooked over the years. 

This lack of response is not only disrespectful but also a violation of my consumer rights. The documents I have provided clearly demonstrate that the account was fraudulently established without my consent. 

I urgently request that XXXX XXXX XXXX act immediately to investigate this matter and provide a detailed response that recognizes the gravity of this identity theft and outlines the steps you will take to rectify the issue. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

First of all XXXX XXXX XXXX  and XXXX, New York and agent alleged to my son XXXX and I both in person that Equifax came back that we were married which is my son XX/XX/XXXX. XX/XX/XXXX my son falsely arrested in the city of XXXX New York. A police officer takes a picture of his XXXX debit card within a few days. Somebody is alledging with XXXX To be a spouse of mine. The bank checked it out with Equifax Equifax did return never To the bank, XX/XX/XXXX. Logged into my account and this is supposed to be my consumer account from the settlement. I have not been in it since I opened it three years ago to see my credit has been frozen same exact thing that went down in XXXX unknown individual informed all three credit bureaus that I was under XXXX military alert do not extend credit for a period of at least 18 months I have never even enlisted or never allowed to suspect that I had been in the military this is the perpetrators the criminals keep identity. I attempted to find out today why my credit report with Equifax has been frozen and going through the automated system on the phone. It would not get an operator remotely. Somebody else was pushing the options. More importantly in XXXX roughly detective XXXX XXXX of XXXX XXXX detective unit who is still working for XXXX XXXX at a command center had three Equifax credit report in file, but I was under investigation. So Im asking to get from Equifax in XXXX Georgia to clean up this garbage again that has become repetitive. And check out XXXX XXXX or XXXX XXXX or XXXX XXXX Since I live within XXXX miles of XXXX, and since there was a personal verbal attack made to me from XXXX XXXX, that XXXX will use her position at XXXX XXXX XXXX department to attack me