davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of XXXX XXXX XXXX ( d ) ( XXXX ) as that information pertains to experiences any continuation of providing negative information required by section FCRA XXXX ( XXXX XXXX. XXXX ) a copy of which is enclosed which states that this information must be removed within XXXX business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

you must delete immediately the account accounts listed below.
Consumer complaint received 2021-05-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nevada Credico, Inc. (NV)

I had a collection with Quantum Collection that was for an apartment, XXXX. I moved in and the grounds were in bad shape over flowing dumpsters, trash every were the unit itself looked like it was never clean. It was filthy and gross. I told management that I was not going to fulfill the lease for this reason and that I would be moving out within the week. Which I did, I didn't even unpack my cloths. They kept my deposit and I think they pro rated my rent, but now I have a collection for it. I disputed the collection they were never able to provide me with any information to validate this debt. After pressing the for several months they finally deleted it from my credit report. Now I have another collection agency, XXXX XXXX, trying to collect on this bogus debt. Also, they have increased the original balance from {$620.00} to {$640.00}. This is a fake collection they can not provide any reason for the debt and they just keep selling it to new collection agencies.
Consumer complaint received 2021-05-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (UT)

Flagstar Bank I have had multiple issues with the lender. My loan was sold to Flagstar in XXXX. Issues are around the mishandling of payments and then charging exorbitant fees because payments are missed. Customer service is also very bad to try to correct things. 

The two biggest issues : Issue 1 : Around XXXX of XXXX my loan was sold to Flagstar. My escrow assets were transferred over. Meanwhile, they did a " recalculation '' on my escrow amount due and took my next auto payment and applied it to the escrow. and NOT the loan. Since it is auto payment I don't keep tabs. They later notified me that I had missed a payment and they charged me a late fee. I had to spend hours on various phone calls to get it sorted out. 

Issue 2 : XXXX, XXXX, XXXX ( Friday, late in the day ), I got a call saying I was delinquent on my payment. Again, lots of transfers to different departments and they told me that my payment was received TOO EARLY so they applied it to my principal and interest and NOT my next month 's payment. It was received on XX/XX/XXXX to be applied to XXXX. Only 7 days early! They also charged me {$110.00} as a late fee for " missing '' my XXXX payment. {$110.00}!!! 

I feel like this is a pattern. This jig involves administratively shuffling payments around in hopes of triggering a missed payment. Unless you are willing to spend hours on the phone to correct it, I'm sure it will not get caught. They said they will fix this most recent issue, but if it is anything like the last issue they will find a loophole to not fix it unless I make a few more phone calls and keep a close eye on it. 

I wish there was a way for me to choose who my loan was sold to. My last loan was sold to XXXX XXXX, and they were AWESOME! Great app, great website, great service! Flagstar Bank seems to be still in the 90s. Endless runarounds, high fees, terrible website., everything done by mail. They told me they can not email anything. 

I wish they would be investigated and fined! this seems to be the only way big banks learn their lessons.
Consumer complaint received 2023-08-08
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. (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. 

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 2021-05-21
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. (LA)

I XXXX XXXX XXXX The Federally Protected Consumer Rights has been violated.Trans Union Credit Reporting Agency is in direct violation of 15 USC 1681 a ( 1 ) Accuracy and fairness of credit reporting. I did not benefit nor consent to these accounts being furnished on my report.I value my consumer report & only a natural living person can do that.
Consumer complaint received 2021-05-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC (CA)

We are getting solar installation with XXXX. They asked us to do a Loan with LoanPal. Today we just were told by LoanPal that we had to open a credit union account as part of the loan. we were forced to sign a XXXX with XXXX XXXX XXXX XXXX This was not discussed at any point of doing the Loan. 

Additionally it was not discussed at the time of the Loan that an ACH /autopay would be required in order to get the 2.99 % rate. It was only revealed to us AFTER we signed the loan that we could pay as we wished through bill pay or on our own but it would be a higher rate.
Consumer complaint received 2021-05-21
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

On Friday, XXXX, I received a call from my mortgage officer ( my wife and I are purchasing a home in XXXX ) informing me of a raised flag when pulling my credit score. Two of the three credit reporting agencies were within the range he and I projected I would be ( XXXX : XXXX ; XXXX : XXXX XXXX, but the third, Experian, was significantly lower ( XXXX ) due to a private student loan account reporting 90+ days past due. Immediately upon learning this, I ask that he provide any information he had regarding as I was completely oblivious and unaware. After receiving the information, I contacted the XXXX XXXX XXXX XXXX XXXX to inquire further why I was not made aware of the past due balance and pay the entire balance in full. The XXXX XXXX XXXX XXXX XXXX informed me that though they did have my current address on file, all correspondence previously mailed to my address was returned to them from the post office ( it is important to note, I receive mail every day to this address without issue ). 

Additionally, they confirmed they did not attempt to notify me beyond the mailers, which were ultimately returned to them. Knowing this, I agreed to pay the balance in full and submitted the payment the same day ( XXXX - the same day my mortgage officer first made me aware ). I also requested the XXXX XXXX XXXX XXXX XXXX remove all 'Past Due ' reports submitted to Experian as their records reflected and confirmed I was not ever adequately notified. The XXXX XXXX XXXX XXXX XXXX denied my request and refused to provide any justification or supporting evidence for their denial. 

Before ending the call, I voiced my concern about the unfair treatment I felt I received and that I would be forced to exercise my rights as a consumer submitting a claim to the Consumer Financial Protection Bureau ( CFPB ) ; their response : " go ahead. ''
Consumer complaint received 2023-02-11
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. (OH)

Im order for there to be truth in lending and for me as a consumer to be able to get the best financial opportunities in the markets, CONSUMER REPORTS SHOULD BE 100 % ACCURATE
Consumer complaint received 2016-05-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

I have disputed XXXX XXXX with Equifax. They will not remove the item. I had to file a police report and have sent many letters to XXXX XXXX and they will not send me any information. I also contacted the " original '' debtor XXXX and they will not give me any information. This account is not mine. XXXX XXXX is a scam. Every time you call XXXX, they send you to voice mail if you want to dispute the charge and no one calls you back. I have written them and sent them the police report which they request when you dispute with Equifax. Now the Item needs to be removed as it is not mine and they will not provide me with any information on this account. I have also disputed this charge with XXXX and they must forward this info to asset which they have not done. Please remove XXXX XXXX ASAP ...
Consumer complaint received 2021-05-22
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)

This account was paid in full to XXXX XXXX XXXX XXXX  upon full payment the account will not be reported to the credit bureau after being paid in full it was still reported and I asked Experian to remove it and they have not done so. This gos against my rights. Experian will not let me dispute it.
Consumer complaint received 2021-05-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc. (CA)

I have been using binance. XXXX after being told that us customers needed to make accounts on the US version of binance. A few months ago after trading crypto on binanceXXXX it all of sudden said my account is pending verification. I submitted a ticket and have also send in my documents for verification but it has been 2 months since XXXX and am unable to use my account to trade crypto. My money is stuck in the account and I am unable to withdraw to my bank as well. IThis is outrageous please help with this issue. I have thousands of dollars unable to use and withdraw.
Consumer complaint received 2021-05-21
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC. (VA)

When I found out XXXX XXXX was taking loans out online in my name using my social security number ( she's my biological mother who is a criminal and was stripped of her parental rights ) I filed an identity theft report with the FTC and my local police station. I then got copies of my credit reports and sent documentation to the places where she had gotten loans. I spoke with representatives from these places over the phone as well. Cashnetusa said they would mark the account as fraudulent and remove it. I just received a letter from a collection agency trying to collect payment for that loan.
Consumer complaint received 2021-05-22
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: Nelnet, Inc. (PA)

I had the chance to go over my payment history letter sent from XXXX Department of Education/Nelnet on XX/XX/XXXX, and it doesnt show a history of late payments on record. My sole purpose in requesting my payment history on my student loans is because I have 9 late payments on my credit reports from Nelnet. All late payments listed on my credit reports are dated as follows : 90 Days Late in XXXX XXXX  90 Days Late in XXXX XXXX  120 Days Late in XXXX XXXX 120 Days Late in XXXX XXXX 120 Days Late in XXXX XXXX 120 Days Late in XXXX XXXX 120 Days Late in XXXX XXXX 120 Days Late in XX/XX/XXXX Between XX/XX/XXXX, to XX/XX/XXXX, my student loans were in FORBEARANCE, so I am not understanding why I have late payments shown in XX/XX/XXXX through XX/XX/XXXX on all three of my credit reports. The screenshot attached to this complaint shows that my loans were in FORBEARANCE between XX/XX/XXXX through XX/XX/XXXX. THERE SHOULD NOT BE LATE PAYMENTS LISTED ON MY CREDIT REPORTS DURING THIS TIME PERIOD, THIS IS INACCURATE AND IT NEEDS TO BE UPDATED TO POSITIVE PAYMENTS OR DELETED IMMEDIATELY. 

My credit report also shows 90 days late in XX/XX/XXXX ; however, my loans were in FORBEARANCE from XX/XX/XXXX, through XX/XX/XXXX, as shown in the attachments to this complaint. 

If you are not familiar with the term FORBEARANCE it is an option to delay student loan payments in case you are temporarily unable to make your monthly payments. While in FORBEARANCE, your loans will continue to accrue interest. That interest capitalizes or gets added to your balance when your loans switch out of forbearance and back into your payment plan. 

Attached to this complaint is an XXXX screenshot of the late payments from The Department of Education/Nelnet. 
This is unacceptable. I have been suffering from this negative payment history for years and each and every time I disputed these negative payments I am told by Nelnet, XXXX, XXXX, and XXXX that the information is correct, therefore my rights as a litigious consumer have been violated. 

Since I had to do my own investigation and clearly proved that I DO NOT HAVE LATE PAYMENTS, I respectfully ask that ALL LATE PAYMENTS FROM THE DEPARTMENT OF EDUCATION/NELNET EITHER BE UPDATE TO POSITIVE PAYMENT HISTORY OR BE REMOVED FROM ALL 3 ( THREE ) CREDIT BUREAUS IMMEDIATELY. 

I have attached the full payment history email sent to me from THE DEPARTMENT OF EDUCATION/NELNET within this complaint so you can see for yourself that I NEVER had a late payment.
Consumer complaint received 2021-05-22
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CREDIT ACCEPTANCE CORPORATION (PA)

Hello, I have disputed my credit acceptance account multiple times, XXXX has not completed my request at all. This vehicle is not my vehicle and is not on XXXX & XXXX just XXXX. I need this account removed. It's an truck and need it removed.
Consumer complaint received 2021-05-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

In XX/XX/2021, we refinanced our loan with XXXX. Who they sold our loan to NewRez LLC in XX/XX/2021. In XXXX, our Property taxes were due and not paid on time or at all. I paid {$5200.00} plus {$530.00} for a total of {$5800.00}. Additionally, I paid {$130.00} service fee for using a credit card. XXXX has been working with XXXX XXXX in escalations at NewRez. However, I just received notice today that I am only getting refunded {$530.00}. There is no way for me to contact XXXX, her number is restricted and she will not reply to my only email that I sent yesterday XX/XX/2021, asking for an update. We don't get to choose who buys our loan, so how does publishing this description help anyone. 

When I refinance again, because I don't want to give these people any more money, how do I make sure they don't end up buying my loan again? 

And I filed a complaint with NewRez to remove my escrow account and I don't meet the qualifications because I am a new account.
Consumer complaint received 2024-06-25
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)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-06-25
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. (MD)

It has come to my concern that even tho the CFPB has put a new law/rule into place regarding the reporting of alleged medical debt {$500.00} or below you are violating my consumer rights. 

The below account is reporting {$340.00} on my consumer report which clearly the CFPB says that these accounts must be deleted from consumer credit reports! 

Two-thirds of medical collections on credit reports will no longer be reported. Starting in XXXX, medical collections tradelines less than {$500.00} will no longer be reported on consumer credit reports. Medical bills under {$500.00} are significantly more likely to remain on a credit report for longer than medical bills over {$500.00}. For patients and families who have only relatively small outstanding medical bills, the {$500.00} threshold could mean a large reduction in coercive credit reporting.
Consumer complaint received 2021-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Onity Group Inc. (TX)

My mortgage loan account with XXXX XXXX has been closed since XXXX XXXX. Which Law states that XXXX XXXX had the right to Report Fraudulent information 5months after my account was closed to XXXX. XXXX XXXX, XXXX of PHH Obudsman states that I disputed my XXXX  Credit Report, in which is untrue. 
XXXX XXXX swore that the information she provided was true to XXXX. Her Negative Response as of XXXX XXXX was with Intent to cause me harm. I do not owe this company and XXXX had no right to try and destroy my Character.
Consumer complaint received 2021-05-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: 3rd Generation, Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX XXXX : XXXX SSN : XXXX XX/XX/2021 Dear XXXX  XXXX XXXX XXXX, I'm writing this letter in regards to the above-referenced repossession account. I'm very upset that you are reporting this inaccurate repossession account on my credit report as it's really damaging my credit score. This inaccurate listing is a mistake either on your part or the furnisher 's part. 


Creditor : CALIFORNIA XXXX XXXX, Account : XXXX This account is continuing to report errors after you claimed to have verified it. I have reason to believe that you failed to conduct a re-investigation of my disputes. Therefore this account could not have been verified.Provide proof of any/all evidence that you actually conducted a reasonable investigation to ensure maximum accuracy of your reporting on my credit report or IMMEDIATELY DELETE THIS INFORMATION FROM MY CREDIT REPORT because this information is UNVERIFIABLE. 


Please update, modify or remove any account that is not reported 100 % accurately. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-05-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central States Recovery, Inc. (GA)

I have 3 collections that I paid off in order to close on my house. I have contacted the collection companies and was told they would be taken off after proof has been shown. I have also contacted XXXX XXXX, and XXXX and given the payment reference numbers to all 3 accounts and the collections are still being reported on my credit. I want these off please.
Consumer complaint received 2024-03-26
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 hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
Consumer complaint received 2024-06-25
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. (NY)

I recently received my credit report and noticed an account that was not reporting accurately. I had two late payments on an account [ account number XXXX ] that was in fact paid on lime. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments. I've attached a copy of my report to this complaint on the following dates XX/XX/year>. 

l 'm now requesting you Investigable and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated to paid on time immediately. I thank you in advance for your understanding and prompt attention I trust you will give this matter.
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX credit limit is different on each bureau the last reported dates do not match and the date last active is reported Different on each report In accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights. 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 an account without my written instructions. 15 U.S.C 1666b A Creditor May not treat a payment on a account under an open end consumer credit plan as late for any reason