davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (NJ)

CitiMortgage, Inc. has a credit-line/mortgage of around {$500000.00} on my home at XXXX XXXX in XXXX, NJ XXXX. Loan number XXXX # XXXX. 
I also have a {$400000.00} second credit-line/mortgage with XXXX. 
Since the financial disaster, values of houses had decline rapidly and have not returned to their value. 
My house is valued to date at around {$700000.00} - thus it is considered " under Water ''. 

I have been disabled a few years ago and my income has been greatly diminished. I currently get Social Security Disability income and some private disability insurance ( Expiring in 9 months upon my becoming XXXX. ) My wife, a psychologist, who was a principal of a school, lost her job recently as well. 

We are safe financially but are not able to pay the full rate of payment for both mortgages. Accordingly, since we are struggling, I applied for loan modification with Both ; Citimortgage and XXXX. XXXX approved me for a loan modification immediately, upon my first application, over two years ago. 
Citibank, on the other side, had been slow to respond and amidst a bad faith process, had denied me four times so far. 
I reported on their practices, but it is only this time, on my fifth application for loan modification, after replacing XXXX loan coordinators, did it come to my attention that I have been badly classified all together. 

In my conversation with my new loan officer, XXXX XXXX XXXXXXXX, told me that Citi is listed as SECOND lien on my house Loan. 
Accordingly, the XXXX ration, which was the basis for my denial, at 55 %, should not have applied and I should have been approved, since my XXXX has been far above the 31 % that FIrst lien mortgage applicants need to have their loan modification approved. 
In addition to many other wrong doings, such as requesting documents that do not relate to me, keep being requested, even after I told and wrote, numerous parties that they are NOT the one reporting on my taxes or that have any reference to me, they still pursue it. 
When I called supervisors and they told me that they would discuss it with the underwriters, my case was closed. 
At present, I demand that CItimortgage rectify its records, confirm my loan as first lien and approve my many a [ pplications that qualified, without starting yet another course of documents demands. 
I have been submitting everything requested, and every time they change a loan officer, new underwriters ask everything the same updatged. 
6 months later -I am at the same stage, without progress. 
Citimortgage 's records and methods of communication aside - my case is not straight forward and I request it being corrected without losing more time or new applications. 
Thank you XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The reporting agencies continue to report my student financial information incorrectly. The account has been discharged under agreement of XXXX, XXXX. The 1099-C was accepted and processed by the IRS. Since this was a certificate of indebtedness and is considered income the reporting agencies should not be reporting this account. I have tried to get the record corrected with no success. Under the Family Educational and Privacy Act my educational records should not be shared with third parties. The reporting agencies are not ANY affiliation to any educational institution therefore they should not have my educational financial records. Any termination of a consumer credit that has a balance due over one dollar is credit to the consumer, therefore reporting this account with a balance is inaccurate reporting which is a violation of the Fair Credit Reporting Act. Several of the accounts are also listed multiple times on the credit report which means this report is not accurate which federal laws states the reporting agencies MUST maintain 100 % accuracy.
Consumer complaint received 2024-05-24
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. (PR)

In accordance with the Fair Credit Reporting actXXXX Account # XXXX violated my rights.

15 U.S.C 1681 section 602 A. States I have the right toprivacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states aconsumer reporting agency can not furnish a accountwithout my written instructions
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NY)

Accounts more than 7 years and 180 years old continue to be listed on my credit reports. There are 2 accounts in collection status and 20 closed, charged of, or accounts that show a current balance that are older than 7 years and 180 days old. The dates on all these accounts continue to be updated by the original creditors so it will appear they are not old enough to be removed and are never dopped from my consumer reports.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc. (HI)

My problem is that my student loans that are currently being serviced by Aidvantage are being reported as late to XXXX, XXXX and XXXX as delinquent when in fact they are not. The student loans have and still are in XXXX. 
My student loan with Fafsa was being serviced originally with XXXX before it was transferred to Aidvantage. When the loan was being serviced by XXXX I requested that and applied for my student loan to be put into XXXX  and it was. It wasn't until XX/XX/XXXX I began to see that either XXXX or Aidvantage, unsure which started reporting my student loans as late to XXXX, XXXX and XXXX while the student loans were still in XXXX as delinquent. This elinquency reporting to XXXX, XXXX and XXXX went on from XXXX XXXX until XXXX of XXXX. And recently I noticed that even though my student loans are still in forebearance Aidvantage is currently as of XXXX XXXX again starting to report my Student loans to XXXX, XXXX and XXXX as late. I need this to stop as it is destroying my credit. I have XXXX student loan accounts with Fafsa that all are being reported as delinquent.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2023-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (NV)

This is about XXXX XXXX a subdivision of PNC. They ceased operations on XX/XX/2023. My account was closed on XX/XX/2023 and I received notification that the account was closed. However on XX/XX/2023 they accepted my direct deposit from my employer. The money is in the account but I can not access it. I have tried multiple times to contact them but I get no reply. My employer said they need the bank to reject the direct deposit so they can re route it to my new account but my employer said the direct deposit was successfully received and there is nothing they can do.
Consumer complaint received 2024-07-17
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: CLGF Holdco 1, LLC (MA)

I had a hard inquiry on my credit report on XXXX XXXX from " XXXX/MILESTONE ''. I contacted their customer service at XXXX, which was a call center for " Concorda Credit '' in the XXXX. The first representative I spoke with was " XXXX ''. He repeatedly asked for my social security number. I refused, for obvious reasons. He stated he could not access any information without my social security number. I asked for the number for Concura and Concora 's physical address and he refused to give me that information. I asked numerous times for a contact for the actual bank and he refused. I asked numerous times for the bank 's license number and he refused. I have never applied for credit from any entities or affiliates of XXXX XXXX XXXX XXXX Milestone Credit, Concora Credit. They fraudulently conducted a hard credit inquiry without my consent or knowledge. My credit monitoring company reported it to me.
Consumer complaint received 2022-12-30
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. (AL)

I asked the credit bureaus to do a thorough investigation on my Experian, XXXX XXXX and XXXX credit report. They said they did a thorough research on the accounts. They never provided proof after I asked and requested them too and proceeded to keep the accounts on my credit profile without proper investigation and proof of original signatures and contracts. I found discrepancies and inaccuracies on the accounts and asked them to be removed them and they refused. 
Below are the following accounts in question. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-04-23
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. (NY)

If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the FCBA, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the Metro 2 Data-filled Field Formatted Reporting Standards, per CDIA. 

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required 5-day notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust. 

Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect DOB : - XXXX Incorrect Name : - XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXXXXXX - XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Consumer complaint received 2023-03-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc. (OK)

Per FCRA and 15 U.S.C. 6802, as a federally protected consumer I am exercising my right expeditiously and opting out of ANY and ALL authorization, I the consumer may have given you : written, unwritten, verbal, and nonverbal.
Consumer complaint received 2024-04-23
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. (TX)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-04-23
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 am listing accounts below that have been reported inaccurately on my credit report. 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 the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

PLEASE BLOCKED AND REMOVED. 
I earnestly request the removal of this entry from my credit report as it is not mine and appears to be fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about its impact on my creditworthiness. I implore you to conduct a thorough investigation and promptly rectify this error by removing this inaccurate information from my credit profile.
Consumer complaint received 2024-04-23
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)

I'm resending my dispute letter since I didn't get the full resolution to my concern. Again, I can still see information were not authorized by me, I am a victim of Identity Theft and this information is inaccurate.
Consumer complaint received 2023-09-22
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: Experian Information Solutions Inc. (NY)

PLEASE REMOVE THESE INQUIRIES 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 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I am writing to dispute inaccurate late payment entries on my credit report, which are negatively affecting my credit score and creditworthiness.

These inaccuracies are unjustly damaging my credit score and creditworthiness, impacting my ability to obtain credit at favorable terms. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate and fair credit report.
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 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 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 2018-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P. (IL)

XXXX XXXX XXXX-I believe this is a XXXX  XXXX XXXX credit card originally. 
XX/XX/XXXX XXXX XXXX CFO sent Certified Mail return receipt requested sent to dispute debt, no response. 
XX/XX/XXXX sent second certified mail return receipt requested sent to CFO XXXX XXXX, no response. 
XX/XX/XXXX, 3rd certified mail return receipt requested letter sent to CFO XXXX XXXX, disputing debt, no response. 
Then, I filed a complaint with cfpb # XXXX, no response from your company. 
I have sent XXXX 2 letters of dispute with no resolution. NO ONE from XXXX NOR XXXX has validated the debt since XX/XX/XXXX. 
I quoted the FDPC they were in receipt of notice to validate the debt, they refused legally 3 times with no response as to the validity of the alleged debt. 
I am sure this is in the records that XXXX has when they bought the debt second hand from XXXX XXXX.
Consumer complaint received 2023-09-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

My name is XXXX XXXX and I am filing a complaint because my rights under the FDCPA and FCRA have been violated by Portfolio Recovery Associates. In XXXX of XXXX, I became aware that Portfolio Recovery had listed a collection regarding a debt that they claim that I owed. I immediately asked them to produce documentation validating this debt in accordance with the FDCPA. It became clear that the account numbers were inaccurate between the bureaus and Portfolio Recovery could not produce a signed contract after multiple reinvestigations. It was so egregious that XXXX removed the account from their report due to this companys refusal to follow the law. Over the past two and a half years, I have given them multiple opportunities to validate this debt and they failed to do so. The account is now so old, it has been time-bared from being collected on in the state of Florida. When I informed them that they no longer have the right to collect on this debt, Portfolio Recovery Associates expressed their intent to violate state law and continued collection action on this debt. This is not new behavior for Portfolio Recovery, as evidenced by the order in XXXX of XXXX where the CFPB ordered them to pay {$24.00} XXXX to compensate victims due to their willful and deliberate violation of the FCRA and FDCPA. This organization has open contempt for the law and those who are tasked with enforcing it. Since Portfolio Recovery Associates has expressed their intent to break the law, I would also like to see their license to collect in the state of Florida, license # XXXX, be suspended or revoked so that they can no longer engage in this fraudulent activity. I was denied for an apartment, a bank account, and for lines of credit due to this companys refusal to remove this time-barred account. I have suffered financial and reputational damages and my character has been defamed. My case against this company is open and shut and I do plan to take legal action if this is not resolved. I want this account deleted from my credit report immediately and I want this companys license to be put under review by the Florida Office of Financial Regulation.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

I recently reviewed again my Equifax, XXXX and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2024-04-23
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. (PA)

I am writing once again to your department to dispute this negative entry on my credit report that I believe to be inaccurate. The item in question is : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DE)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.