davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-10
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. (NJ)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 2023-11-10
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital one - 5 cards out in my name XXXX. My child support card took My daughters and my information. XXXX they used for purchase account.closed. XXXX my oldest credit card I had to close I have an unknown auto loan in name also I come up on a mortgage I was never on.
Consumer complaint received 2022-10-18
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: EQUIFAX, INC. (CA)

I am a real person Im a living human being I have a right under 15 US 1681 Equifax XXXX XXXX and XXXX is govern by 15 USC 1681 and they violated my rights numerous of times I demand the counselors to be allowed to be removed from my Derogatory marks XXXX XXXX California XXXX check cashing XXXX XXXX according to XXXX XXXX I have the right to privacy I did not give Written permission to furnish these accounts
Consumer complaint received 2022-10-18
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. (CA)

I am a real person Im a living human being I have a right under 15 US 1681 XXXX Trans Union and XXXX  is govern by 15 USC 1681 and they violated my rights numerous of times I demand the counselors to be allowed to be removed from my Derogatory marks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX according to 15 168 I have the right to privacy I did not give Written permission to furnish these accounts
Consumer complaint received 2023-11-10
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. (MO)

XXXX XXXX XXXX is in violation of 15 USC 6802 B. XXXX XXXX XXXX said that I opted in to have my information released however they never told me or gave me the option to opt out. This is a violation of the privacy law.
Consumer complaint received 2023-01-05
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. (TX)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate 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 are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) 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 if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-11-10
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc. (NY)

I applied for the SAVE plan but they put me on administrative forbearance without my consent or any notice and as a result of that the interest is accruing. I would like them to take me off from administrative forbearance immediately. Thank you.
Consumer complaint received 2023-11-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MA)

Nelnet has violated the terms of the loans for which I applied through FAFSA and should be removed from the federal government 's list of approved loan servicers. I have XXXX  children who are full-time students, and their loans are in my name. The terms of my loans are that they are deferred until six months after my children graduate. Both children are enrolled as full-time students, and there has been no interruption in their status. I received a past due notice from Nelnet regarding my loans. This is an error on Nelnet 's part. They have verbally acknoledges this. Whoever governs loan providers should take action against Nelnet because : 1 ) Communicating with Nelnet is nearly impossible for the average person. While I have been able to wait on hold for more than an hour and a half several times, the average person likely does not have that flexibility. They list a " chat now '' feature on their website, which does not " chat ; '' it refers the consumer to their contact page. On the contact page there is an email address which auto-responds that it will take them a really long time to get back to the consumer. Calling the phone number has put me on hold for over an hour and a half three times. 2 ) A customer service representative, acknowledged that this never should have happened and stated that she would process my " request. '' I asked her send me an email confirming that this was the case to ensure that I have documentation should this affect my credit score. She stated that this was all internal and that she could not send me documentation. 3 ) I understand that mistakes happen and that communication with a large consumer base poses logistical challenges. Nelnet 's mistake in this case could affect my credit rating. And, they should be legally obligated to enable consumers to communicate with them in an efficient and timely manner. Their status as a loan servicer should be revoked until they are in a position to actually service consumers.
Consumer complaint received 2023-01-05
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: Experian Information Solutions Inc. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Experian and XXXX to validate account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have tried to fix incorrect information on my credit report from all three credit Bureaus XXXX, TransUnion and XXXX months ago and many incorrect information is still being reported on my report for some time now which is very damaging to my name, reputation, character and my credit worthiness. I have been denied credit many times and have had high rates with Loans due to my credit reports having inaccurate information which puts me at a frustrating point to struggle to do any form of business or personal matters.

There are multiple different names and multiple un-mailable addresses and wrong phone numbers and charge offs reported on my report which according the IRS publication charge offs are INCOME and must not be reported on any credit report but its is on mine I have uploaded two of my reports I can't upload all three website state too much file but you can see from my credit report many inaccuracy
Consumer complaint received 2023-09-28
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I am 7 days late on my car payment. This company has called me over 9 times in the last 7 days. 6 of those calls were yesterday. I spoke with the company on Monday when I was only 4 days past due and they had already called repeatedly and explained that there was an issue with my check and that I would make the payment by the middle of next week at the latest. The very next day I was called again twice. Yesterday I was called 6 times in one day. I told the rep that called me the last time that day that what they are doing is debt harassment and that they are not to call me for at least 7 days after I had spoken to them on Monday. I also told him that I do not want to be called between the hours of XXXX XXXX XXXX Monday through Friday as I am at work during those times. I was called again this morning at XXXX after expressly telling them not to do so. If this harassment continues I will be forced to take legal action.
Consumer complaint received 2023-09-05
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)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$460.00}
Consumer complaint received 2017-10-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (WI)

On XX/XX/XXXX, Mr. Cooper ( Nationstar ) indicated that foreclosure proceedings would not begin until XX/XX/XXXX ; they referred the property for foreclosure on XX/XX/XXXX ( the attorney 's office did not receive the file until XX/XX/XXXX ). On the morning of XX/XX/XXXX, the FULL reinstatement payment was ready to be made and Mr. Cooper refused the payment.
Consumer complaint received 2023-09-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX  XXXX  XXXX  XXXX Balance : {$460.00}
Consumer complaint received 2023-12-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Caliber Home Loans, Inc. (WA)

My first complaint though XXXX  and CF was as following Caliber has denied my PMI removal several times. My home valuation is {$520000.00} plus and I only owe {$310000.00} on the loan. I have sent in the XXXX check and form that states the updates/costs I have done to the home. It has been a drawn out response followed by a refund of the check and then denial of the request. The customer service since being bought out by XXXX XXXX has been awful. I dont believe it is the employees fault but that they are tied down by an awful automated system and slimy company tactics. My latest call was today XX/XX/23 and employee XXXX. Was not helpful in the least and it is frustrating in this day and age to not get something sorted out other than snail mail and poor communication prior to denial of the requests. I will never finance again through this company and can not recommend enough you do the same So a couple weeks later and multiple reps on the phone with caliber we finally did get to the point where a representative basically did admit they had done the process of the removal wrong and that an appraisal shouldve been ordered. Im sure they have audio recordings of this conversation. So they took my additional fee for the XXXX removal which increased 30 % since XXXX when I started this process. They said an appraisal would be ordered within 10 days. Guess what happened? They switched my loan servicer to XXXX XXXX and did not order the appraisal, they did not refund me, and they did not contact me about the XXXX. I can not believe this is still happening. I have never made a complaint formally about a company in my lifetime until dealing with XXXX.
Consumer complaint received 2023-06-08
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: CAVALRY INVESTMENTS, LLC (CA)

I hate to submit another complaint but Calvary Portfolio is not fixing errors on my report. I've sent 4 disputes already and they keep saying they fixed errors and verified account with the 3 credit bureaus. I attached a copy of what they are reporting. As you can see Date last active is different across all 3 reports. I was never active on this account. If I was why would Date of last payment be left blank? They are violating my consumer rights, I do not owe Calvary Portfolio a cent. If you read the comments it says account information was disputed by me already and look at all the inaccuracies and incomplete information on my report. I went over all disputes and credit report with my attorney and he confirmed they are in violation of the FCRA. They are also harassing me for an alleged debt I do not owe them. Also my attorney said collections are supposed to be reporting as closed. Not sure why this is reporting as open.
Consumer complaint received 2023-04-25
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: EQUIFAX, INC. (MS)

on XX/XX/2022 XXXX XXXX ran my credit without an application on Equifax. I filled out no application for credit. if they claim I did they are lying and the must provide the application not just SAY I DID. I will submit evidence from the dealership in question and other banks. if the cfpb allows them to refuse to remove the inquiry without evidence I will go to the attorney generals office.
Consumer complaint received 2022-10-18
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: EQUIFAX, INC. (NC)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-03-08
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. (MI)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX XXXXBalance Owed : {$5.00} XXXX XXXX Balance Owed : {$5600.00} XXXX  XXXXBalance Owed : {$7500.00} XXXX XXXX XXXX XXXX Balance Owed : {$21000.00} XXXX XXXX Balance Owed : {$6200.00} XXXX  XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX Balance Owed : {$540.00} XXXX XXXXXXXX XXXX Balance Owed : {$760.00} XXXX XXXX XXXX XXXXBalance Owed : {$5.00} XXXX XXXX XXXX Balance Owed : {$540.00} XXXX XXXXXXXX XXXX Balance Owed : {$760.00} XXXX XXXX Balance Owed : {$5600.00} XXXX XXXXBalance Owed : {$7500.00} XXXX XXXX XXXX XXXX Balance Owed : {$21000.00} XXXX XXXX Balance Owed : {$6200.00} XXXX  XXXX Balance Owed : {$11000.00} XXXX XXXXXXXX XXXX Balance Owed : {$540.00} XXXX XXXXXXXX XXXX Balance Owed : {$760.00}
Consumer complaint received 2023-12-31
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (KS)

On multiple occasions, including XX/XX/2023, I have attempted to contact Synchrony Bank/Amazon about the inaccessibility to my account because of their refusal to use my hearing Assist phone number for the two-step authentication. Synchrony Bank XXXX has continuously blocked my access to update payment methods or make a payment because they demand a live phone call. Due to being XXXXXXXX, I do not talk on the phone.

Synchrony Bank Amazon has now been reporting my payments as LATE but refuse to allow me access to my account in order to make a payment. 

Their ID verification system errors out each and every single time I attempt to use it, claiming it can not upload my ID. 

They continue to demand a live phone call with me to verify my identity and refuse to make any form of accommodation to update my contact information to a phone number that can receive text messages. The phone number i originally provided functioned with their system but they have since blocked it and now refuse to allow the only number I have to be used for the electronic automatic two-step authentication. 

Synchrony Bank XXXX is discriminating against me and causing severe irreparable damage to my name and credit report by demanding a live phone call for identity verification, even though they know I am XXXX. Even with active chat with an agent attempting to address the issue, she attempted to CALL ME XXXX knowing I am XXXX  and unable to talk on the phone. When I didn't answer the phone call, she also disconnected the chat and refused to assist me.
Consumer complaint received 2021-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Heritage Financial Group, Inc. (IL)

The company Heritage Acceptance is a horror movie, the staff there is horrible, bad communication and treat people like XXXX especially the lady name XXXX, they had one name XXXX and she made me cry, I purchased a XXXX XXXX XXXX, my payments were set up for me to pay {$250.00}. Every two weeks, well I was doing okay but then my rent was not being paid in full so I had to pay a little more on the next car payment but I also explained to them that I could not continue to pay every two weeks because I needed to keep a place to stay, Pay my Rent, well that did not sit well with Heritage, I asked them to put me on a monthly plan, they said FLAT OUT NO, NOT UNTIL I GET MY PAYMENTS BACK ON TRACK. Well I continue to pay my carnote, my brother passes away and I had to pay my brother 's funeral expenses, do you know this company told me they needed proof of my brother 's passing so I had to sent a copy of the Obituary, I had a lot going on and yes I was behind on my carnote but I did get it caught up, Anyway on my credit report they are constantly reporting me 20-30-60-90 days late, On top of that the woman XXXX SAID TO ME, THAT I NEVER HAD GOOD CREDIT NOW I WANT HER TO WRITE ME A LETTER FRAUDULENTLY SAY MY CARNOTES ARE UP T0 DATE, SHE SAID BECAUSE YOU ARE IN A BIND YOU WANT A FAVOR, I HAD SPOKE WITH A GENTLEMAN NAME XXXX I WAS NOT ABLE TO PAY $ XXXX.ON XX/XX/XXXX BUT I WOULD HAVE A PAYMENT IN ON TUESDAY XX/XX/XXXX HE SAID THATS FINE SO AGAIN WHEN I SPOKE WITH XXXX AND EXPLAIN THE CONVERSATION I HAD WITH XXXX SHE SAID I DON'T CARE WHAT YOU AND HIM TALKED ABOUT YOU SAID THAT YOU WERE GOING TO {$500.00} INSTEAD YOU ONLY PAID {$250.00}, ANYWAY I WANT THIS COMPANY OFF MY CREDIT REPORT NOW, NOBODY IS EXCEPTING THIS WHEN I APPLY FOR AN APARTMENT OR EVEN BUYING A HOUSE. PLEASE HELP ME THIS HAS BEEN GOING ON SINCE XXXX AND IT IS XXXX. I NEED TO MOVE FORWARD WITH MY LIFE, MY LANDLORD IS SELLING THE PLACE I LIVE IN AND WANT HIS PLACE BY THE XXXX OF XXXX, I NEED TO GET ME A PLACE TO STAY, PLEASE PLEASE HELP ME, THIS COMPANY IS DESTROYING MY LIFE NOW.
Consumer complaint received 2022-11-25
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I was never been late on these accounts. I always pay my debt on time. I believe this is a mistake reporting. Please check on the following account and update the error on the report.