davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-12
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. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-07-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (TX)

In XX/XX/XXXX, Specialized Loan Servicing acquired ownership of my property. Due to job loss in the oil and gas industry, I faced challenges in making timely payments. Despite the COVID-19 pandemic, I feel that they did not cooperate with me to find a solution to keep my home. To prevent homelessness for my family, I had to file for bankruptcy multiple times. During this period, I was actively involved with the HAF ( Texas Homeowners Assistance Fund ) while Specialized Loan Servicing scheduled a sale date for my property at XXXX XXXX XXXX XXXX XXXX, TX XXXX. 

As part of XXXX XXXX bankruptcy, I contacted the attorneys at XXXX XXXX XXXX XXXX in XXXX XXXX to inform them about my participation in the HAF program. Additionally, on the day my home was supposedly sold, XX/XX/XXXX, I called the attorneys to notify them of my bankruptcy case number and requested a halt to the process. Unfortunately, I was unaware of the sale until two and a half months later when my case worker from the Texas Homeowners Assistance Fund brought it to my attention. 

During the auction, thXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  apparently acquired my home. Simultaneously, XXXX filed a writ of possession against me, which I challenged, leading to my case being in Civil Court at Law no. 1. Currently, I do not have legal representation, and without assistance, my family and I face the risk of homelessness. It is essential to note that my youngest child, who has XXXX, experiences difficulties adapting to new environments apart from our home. 

I firmly believe I have evidence to support a wrongful foreclosure case. By reaching out to the Consumer Financial Protection Bureau through this email, I hope to receive fair and just assistance. You can contact me at XXXX or call me at XXXX. Thank you for your anticipated help. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-04-12
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. (TX)

this company has engaged in abusive and unfair practices of the fcra. i recently sent in dispute letters asking for several account to be verified or removed from my credit report i also asked to mailed a copy of any evidence proving the company has a right to report these things. I still have yet to receive proof. I do not except liability of the below account and request the be removed. Since there has been no proper debt validation done. 
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 None none of the above agencies have sent me any type of verification or has the 3 reporting bureaus
Consumer complaint received 2024-04-12
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)

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 : US DEPT ED Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : USDOE/XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and 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 2023-07-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Avadyne Health Holdings, Inc (IA)

Requested a validation in a letter sent to this debt collector dated XX/XX/2023. Under provisions of the FCRA and the FDCPA, this creditor was required to respond and remove the collection off reports and cease and desist all collection efforts pending my review of all information sent for validation purposes. Creditor has chosrn to ignore the letter in violation of Federal Law.
Consumer complaint received 2018-10-23
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: LEXISNEXIS (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against LEXIS NEXIS. My information used to obtain medical, housing, and surprisingly a TAX LIEN. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.
Consumer complaint received 2018-10-23
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: EQUIFAX, INC. (CA)

" " '' I have disputed this charge off on this XXXX XXXX XXXX XXXX   XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Consumer complaint received 2018-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

XXXX is reporting an incorrect account status remarks from Capital one. 
Capital one should be reporting the following account status remarks " Closed by credit Grantor '' XXXX  is currently reporting account status remarks Chapter XXXX Bankruptcy. 
As of XX/XX/2018 i do not have a chapter XXXX Bankruptcy on file in my XXXX Public Records. 

Please see copy attachment from my latest XXXX  credit report to see the correct reporting status from Capital one.
Consumer complaint received 2017-09-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

When I initially applied for my loans through XXXX XXXX I was never aware of the interest rates. I was told it would be somewhere between XXXX % while federal student loans were set by XXXX. Some of my private student loans are 10.2 % and I feel like Im getting no where. I have asked numerous times if I can consolidate it to a lower interest and they told me no all the time. I said there was no way I could afford it and they told me to ask my parents for the money. Secondly, I had my sister as a co-signer and was told that if I made principle and interest payments that I could release her in 24 months. I followed all of there rules and everytime I tried to release her I kept getting a ridiculous reason as to why they were not releasing her. Finally after writing a long letter and applying for like the 8th time, she was finally released 6 years later. This company is very shady and I would love for the consumer bureau to do an investigation on this company because they have misled me and have not been honest and have been unwilling to work with me about lowering my payments or telling me about income based repayment plans.
Consumer complaint received 2023-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have to make sure I have the rights to privacy of my information, also that my private info is not given/shared with anyone or any private corporation, ( " 15 USC 6801 '' ) Which states that, It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public personal information. ( 15 USC 1681 ) section 604 a section 2 states that In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions of the consumer to whom it relates. the financial institution and the Consumer reporting agencies ( XXXX and XXXX ) do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked .15 USC 6802 ( b ) ( c ) states that '' A financial institution may not disclose non public personal information to an on affiliated third party unlessthe consumer is given an explanation of how the consumer can exercise that non disclosure option. Never informed me of my right to exercise my non disclosure option. Not only that 15 USC 1681 C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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 dates report by more than seven years. " This account is an adverse item they are reporting without my permission at all, and against the law knowing it is. 15 U.S.Code 1681s 2 ( A ) ( 1 ) A states '' A persons hall 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 not correct. 15 U.S. Code 1681 estates '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title..XXXX and XXXX Also 12 CFR 1016.7 states that '' A consumer may exercise the right to opt out at anytime. " I am opting out of your reporting services.
Consumer complaint received 2023-05-05
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. (GA)

I filed a complaint regarding an other account I had with the same lender report XXXX XXXXXXXX late payment when I was never 30 days late They then removed the late and went into my other account I have with them that has payments auto drafted and added XXXX late payments to my other account Since the payment is auto drafted is draws directly out of my account on the exact date its due XXXX payments were reversed but they went through on the second try. There was never a 30 days late payment on my accounts prior to me making the complaint on my first account
Consumer complaint received 2018-07-24
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: EQUIFAX, INC. (FL)

There are several accounts on my credit report that I have been continously disputing that do not belong to me on my credit report. I have sent letters to Equifax, XXXX, and XXXX  regarding this matter. None of the accounts were investigated or validated for belonging to me. I keep telling them that they aren't and they have not removed. The following accounts do not belong to me as I am a victim of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX - Account # XXXX XXXX  - Account # XXXX XXXX - Account # XXXX XXXX  - Account # XXXX XXXX XXXXXXXX XXXX Account # - XXXX XXXX XXXX XXXX XXXX - Account # XXXX XXXX  XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX - Account # XXXX XXXX - Account # XXXX
Consumer complaint received 2024-04-12
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. (SC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-07-17
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: CCS Financial Services, Inc. (VA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 it explains to respect a consumers right to privacy and with fairness and impartiality. XXXX and XXXX are reporting agencies and I am considered the Consumer. I have a right to make sure none of my information is shared without my consent 15 USC 6801. It is the policy of the congress that financial institutions has an obligation to protect customers nonpublic personal information. In 15USC 1681 section 604 section 2 states all reasons an agency my furnish my information, only with written instructions and that was not done. This account is an adverse item they are reporting without my permission and that is against the law 15US code 1681s-2 ( a ) ( 1 ). Every consumer agency must maintain reasonable procedures to avoid violations. I am opting out of your reporting services
Consumer complaint received 2024-04-12
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 have consistently made timely payments on this account, ensuring they are never overdue. However, I am uncertain about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2023-07-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (MD)

I would like file a formal complaint under the Homeowner Protection Act ( PMI Cancellation Act ) against Rocket Mortgage and XXXX XXXX for deceptive lending practices. 

I requested termination/cancellation of PMI coverage based on the equity of my home reached over 20 percent of said loan based on valuation lender provided consumer via loan web site and in written correspondence advertising encouraging use of home equity. 

According to lender I can not termination PMI coverage unless I agree to a home inspection and pay for said services without options of choosing home inspectors which is not a required under the Homeowner Protection Act. 

I am requesting an investigation and enact or enforcement consumer laws that prevent this deceptive business practice of allowing consumer to take out line of credit based on the lender valuation without any home inspection then requiring consumer to get and pay for a home inspection without an option to select inspector to terminate PMI coverage. 

Lenders should not be able to entice or advertise home equity loans based on theyre valuation place that dollar amount on said web site then turn around and tell the consumer well to terminate PMI coverage we can not use our valuation we need a home inspection.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CT)

This is XXXX XXXX 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 2018-10-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (NV)

LENDER CALL : ( XXXX XXXX ID XXXX ) /Foreclosure ACTIVE / SALE SET XX/XX/XXXX / 60  months / {$94000.00} ( delinquency ) -The rep from the executive office contacted me back to advise me that the appeal we submitted was denied cause of income once again. When asked what was the reason I was advised once again that the client was denied over not sufficient income. I asked XXXX XXXX what was the income used and she advised me that the amount was {$3400.00} which I advised the rep that why wasn't the income we provided and showed proof of the wife was not used. She couldn't answer me and just kept saying that a manager denied it and that is that.
Consumer complaint received 2018-10-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: LOBEL FINANCIAL CORPORATION (NV)

A fair and reasonable outcome. Corrected and updated credit report, assistance with locating the vehicle, explanation as to why they insisted a tracking device be placed on my vehicle before I could drive it off the lot and reason that they are now saying that was not part of the contract yet I had to pay extra to have it installed and to drive it off the lot. They even denied my request to waive that as a funding condition. They have also denied my requests to have the vehicle located. All negative remarks need to be corrected and at this point since I am not able to locate the vehicle I need to understand the legal aspect of this so perhaps mediation would be a positive solution. Initially, I just wanted to negotiate the additional interest that was added on to the loan. The principal has all been paid off. The additional interest is in the amount of around {$200.00}. They have refused to discuss or entertain any reasonable solutions I have attempted. Again, the principal is paid
Consumer complaint received 2024-04-12
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 received a letter from XXXX regarding Student Loan repayment for {$150.00} monthly. The total student loan is showing that i owe {$22000.00}. The last time i was in school was 2010 and I dropped out in the middle of the semester. I spoke with XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The following DEFICIENT claims of alleged inquiry lack one or more of the minimal requisites to reporting such as physically verifiable document proof of validity and certification of compliant reporting to include demonstrated lawful permissible purpose, REMOVE OR PROVE : XXXX SHOWS NO DATE AGAIN, absolutely None of the above listed ALLEGATIONS of inquiry meet MINIMAL CRITERIA to report and being deficient MUST BE REMOVED from reporting, TRUE OR NOT! Compliance of reporting laws is MANDATORY, NOT OPTIONAL so DELETE NOW or else PHYSICALLY attest to the certificating document facts of claim 's verifiable validity and complete perfect compliance of reporting, all data, every notation, dates and balances, reported or not. A person and or entity who knowingly and willfully falsifies a record or report required by this part may be subject to criminal penalties under 49 U.S.C. 21311. Per eoscar description, Metro 2 compliance is to be irrefutable in requisite as by your own descriptive definition of the automated web-based verification process from which you transfer and communicate information to and from in consideration concerning a consumer complaint of potential mis-information and or mis-reporting. DELETE derogatory claims or make display of a testimonial certificate in fact to the claims validity and its compliant reporting.