davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

15 U.S.C 1681 ( a ) you are in violation of my rights to privacy and information I want to be private that's posted on my consumer reports is a violation of my privacy, Infringed upon my right of privacy. Please investigate that this account because it is not reporting 100 % accurate information there are so many errors within this account and this is a violation of FCRA. This account is unverifiable and inaccurate information, please investigate that this account is reporting 100 accurate due to the fact that this account with the XXXX XXXX XXXX account number XXXX has been listed as a duplicate several times on my report. As a consumer by law these accounts on this claim must be deleted immediately.
Consumer complaint received 2023-04-22
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: Experian Information Solutions Inc. (CA)

XXXX XXXXXXXX XXXX  reported XXXX on XXXX XXXX that I have no knowledge of and reporting company would not send me original debt verification letter. According to section 15 u.s.c 1681 [ a ] states that no consumer reporting agency can report false or incorrect information on my credit report.
Consumer complaint received 2018-08-27
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. (TX)

On XX/XX/XXXX, I sent my first dispute to the 3 major credit reporting agencies, the dispute was in focus with me being a victim of identity theft. The CRA 's have made no attempt to resolve and respond to me although the Congressional act of FCRA 605B states that a victim with legal stated proof shall have the identified accounts removed from the personal credit report.
Consumer complaint received 2018-08-27
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ASTA FUNDING INC. (OR)

ON WEDNESDAY XX/XX/XXXX ... XXXX XXXX XXXX SENT A GARNISHMENT TO MY EMPLOYER. I DID SOME RESEARCH AND REALIZED THE JUDGMENT WAS DISMISSED. THEREFOR I WAS NOT RESPONSIBLE FOR THE DEBT ANYMORE. THEY ARE TRYING TO COLLECT FOR A JUDGMENT THAT IS DISMISSED AND THERE IS NO GROUNDS FOR THE GARNISHMENT. THERE IS ALSO NO JUDGMENT ON MY CREDIT REPORT HISTORY. I HAVE ALREADY EMAILED AND FAXED THEM A COPY OF THE COURT CASE THAT I FOUND ON OREGONS PUBLIC COURT XXXX
Consumer complaint received 2018-08-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (MD)

These companies call 3-4 times a day I have told them I'm on the Do Not Call List. Under Maryland Law this is Telephone Harassment. I am retired XXXX  XXXX, and would like compensation for these numerous violations.
Consumer complaint received 2018-08-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (PA)

THEY ARE CONTINUING TO SEND ME BILLS FOR AN ACCOUNT I SETTLED ALMOST A YEAR AGO TO GET ME TO PAY IT AGAIN. THEY REPORTED TO CREDIT BUREAU AND DROPPED MY SCORE. I DISPUTED AND THEY CONTINUE TO REFUSE TO RESOLVE THE ISSUE
Consumer complaint received 2023-08-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (NJ)

From XXXX to wellsfargo allowed identity theft and because of this and being ignored about this issue when reported to credit bureaus and XXXX XXXX etc.. now there's XXXX accounts that were charged off on my name and credit. I'm in debt to almost {$16000.00}. 
They keep giving me the run around.
Consumer complaint received 2023-02-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC (ID)

Today, XX/XX/23, I called speedy cash customer service. I was told that it was serviced by another department and then transferred. I was transferred to someone named XXXX. She told me that the loan was in their internal collections and was set to be sent to an attorney, but did not have a timeframe. She told me that the only option I had was to pay the loan in full. I asked if we could set up an arrangement to take care of the loan and she said that it had to be paid in full. I asked her for a letter to confirm the debt amount and she told me that there was nothing she could send and that their department did not send mail at all and that because she is on a recorded line there will be record of the conversation.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NV)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the XXXX  this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2017-05-04
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Prosper Marketplace, Inc. (OR)

Hi, I could not fine a correct category for this complaint, it 's an odd  XXXX .     I use the  XXXX  lending servic e Prosper ( prosper.com ), I am a lender. Today I received the following notice : " Important Account Update It recently came to our attention that the annualize d net return numbers displayed on your account overview page were inaccurate due to a system error. This error only affected the Annualized Net Return and Seasoned Annualized Net Return numbers and has now been fixed.     This error did not impact any other part of your account, including payments, deposits, monthly statements, tax documents, and note and loan level information - including estimated returns. '' Essentially Prosper has for years stated my returns were around 9 %, however this looks to be an error and my returns are now displayed at around 5 %. This is just the displayed return not the actual money earned but I made investment decisions based on this number. Just like a normal mutual fund, the % return is the most important metric and for years it looks like it was incorrect, and much higher than reality.     Does not sound good to me and it feels serious enough that I wanted to contact you.
Consumer complaint received 2023-11-24
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. (AZ)

To Whom It May Concern : I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. 
Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. 
I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting. 
I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Accounts 1. there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2023-04-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

I paid down my mortgage so that I can remove the mortgage insurance. I called on XXXX to have the PMI removed. I was told they needed to send a realtor out to evaluate my property in order to have it removed. I have called several times as well as sent a chat messages to have a manager contact me since they have done nothing as of today. No one has contacted me to evaluate my property and no one has returned my call. I have continued to be billed for mortgage insurance. I called yesterday and the representative disconnected and never called me back. I am being charged a fee that per the law should be removed as I now have over 20 % down on the loan.
Consumer complaint received 2024-03-20
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: Experian Information Solutions Inc. (FL)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2017-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

XXXX  Experian and  XXXX . I would like to see my credit updated correctly. Tax lien remove, no scores decline after sub mit Dispute and Inquiry sto p going into my credit report.
Consumer complaint received 2018-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: JPMORGAN CHASE & CO. (NY)

I need to file complaint with CFPB about distinctly different 3 distinctly different companies. 
- Those 3 companies are - 1- Chase. - 2 XXXX. & 3 - XXXX. 

In XX/XX/2012 - I had been a customer of all 3 of these companies since almost as long I have been old enough to have credit cards or credit reports. 

- Things had gone very well! 
- Then - in XX/XX/2012 - some problems started! 

- In XX/XX/2012 - false charges started appearing on my Chase MasterCard. 
- I called Chase Customer Service to talk to them about that. 

- Some of the charges were from another state. Very strange. 

- I was avoiding using my Chase MasterCard for a while. 

- Chase de-activated my account. 

- Chase sent false info to my credit files! 

- I suffered from a ridiculous amount of adverse actions because of Chase sending false info to my files! 
- I also suffered from adverse actions because Chase failed to correct the problems even after 30 days! 
- Those 3 companies - Chase, XXXX & XXXX  have severely violated FCRA! 

- That caused more adverse actions against me! 
- For example - I got toy limited by XXXX & XXXX XXXX XXXX! That toy limiting almost certainly happened because of Chase sending false info to my files!
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

In XX/XX/2024, I received form 1099-C from XXXX indicating that my credit card debt was forgiven or cancelled. 

However, XXXX is still reporting inaccurate balance to all 3 major credit bureaus
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (PA)

bureau reported infortmation as late months after loan was paid off also furnished the information without my consent.

I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS. 
Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
XXXX XXXX XXXX  Account Number XXXX XX/XX/2023 I NEVER gave you, OR the above-listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and XXXX due to the abusive and unfair practices. 
You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. The ABOVE listed ACCOUNTS were NEVER late and should be listed as PAYS or PAID AS AGREED By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report, and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with the creditor who has posted them.

Please remove any information that the creditor can not verify. I understand that under 15 U.S.C.

Sec. 1681 ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report reflecting the requested changes. 
Best Regards, XXXX XXXX
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (FL)

LVNV FUNDING LLC Has place a collection on my credit report, I have requested multiple times proper verification and validation of this account in question, company has failed to provided me with such documentation. 

Account info Account name RESURGENT/LVNV FUNDING Account number XXXX This account has also been dispute multiple this claiming they certify the accuracy of this account, however has failed to provided them to me, Also I requested step by step taken in this research and as per the fair credit act this company has failed to comply.
Consumer complaint received 2023-04-23
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 a victim of the XXXX breach and starting since XXXX and XX/XX/XXXX, I kept having " hacker ( s ), breacher ( s ) '' buying things using my XXXX and XXXX account. I have canceled my banks debit card well over 10 times in 3 months there were times were the hackers were making purchases so often I ended up having 2 debt cards at once. We fix that, they had also created a XXXX XXXX XXXX XXXX under my name ( luckly I caught it within a week ) So XXXX and XXXX fix that and close the card. Hackers were able to buy some things since XXXX adds the card to your account digitally as you wait for the hard card in your mail. I keept the card as a mento to be safe online while. I thought it was over. I ran some virus cleaners, ransom ware etc. 

But In XX/XX/XXXX my bank account was charged by XXXX i asked them why they stated i took out a XXXX loan which is now XXXX. I wrote to the the XXXX breach admin and still waiting a reply and instantly cleaned out all my hard drives and re-installed windows. XXXX XXXX didn't do its job or the hackers had remote desktop setup on my pc. Not anymore. 

As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the item XXXX be removed Frozen until they acquire the correct information/people to they gave a loan to.

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. My credit score has gone down XXXX  points in 2 months. I've ask XXXX to let me view the loan/credit application I supposedly sent them,,, they never have gaved it to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not worked in 2 years and still can't so I would not qualified for their loan, i wouldn't have had any paystubs, checks, deposits or job to write in the application to XXXX Yet Experian won't remove the false information from my report.
Consumer complaint received 2024-03-20
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. (NJ)

I have no knowledge of account and demand its be taken off my credit report. It is interfering with me get a home and other necessities. If action of deletion isnt done with XXXX business days I will seek legal action.
Consumer complaint received 2018-08-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (DC)

Original Request for Loan Modification : XX/XX/XXXX. For loan # XXXX. 

I complied with all Carringtons request for documentation. I sent materials requested by Regular Mail, by XXXX XXXX, and by Fax. Each time I would be infomed that some part of the documentation was. Not received or missing this occurred on a bi monthly basis. 
I was asked to repeatedly send in the following documents : two months Social Security statements, Proof of Rental Incone, Tax Return, Business Tax letter of explanation, Form 4506t, Bank Statements with my name circled, Request for Mortgage Assistance, Paper Statement of Bank Account, Profit and Loss Statement. 

These are the individuals I have spoken with over the past year : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. These are the dates in which I have supplied the requested documents beginning : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. All these requests and returns were sent in XX/XX/XXXX The pattern continued for the year XX/XX/XXXX. Requests and dates sent XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, As you can see, I have been exceptionally diligent only to be given the royal run around Please investigate this recalcitrance on the part of Carrington Mortgage so that some resolution is made Thank you for your kind attention