davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (NY)

I have federal student loans owned by the US Dept of Education and managed by FedLoan Servicing. On XX/XX/XXXX, Congress passed the CARES act providing for a temporary forbearance on federally-owned student loans ( the " pandemic pause '' ). As of today, no payments are owed until XX/XX/XXXX -- the date payments resume. 

Although no payments had been owing and due under the CARES Act, I had made some payments on my student loans during the pandemic pause. The CARES Act allowed borrowers to request refunds of any student loan payments during the pandemic pause Pursuant to the CARES act, I requested such refund. Particularly, since President Joe Biden had issued an Executive Order forgiving up to {$10000.00} of federally-owned student loan debt. 

In or around XX/XX/XXXX, FedLoan marked me as having been late on 63 payments. However, no payments had been due given the CARES act. My credit score dropped over XXXX  points due to falsely reporting of delinquency. Upon discovery, in XX/XX/XXXX, I immediately contacted FedLoan and disputed the false reporting of delinquency given the CARES act. FedLoan responded that they are marking all such accounts as delinquent as they " wait to see if this thing survives the courts ''. FedLoan misunderstands the difference between the CARES Act ( which postponed payments due to the pandemic ) and Joe Biden 's student loan forgiveness program ( which purports to forgive student loan debt ). Even if Joe Biden 's student loan forgiveness were to somehow be struck by the Courts, the CARES Act is an act of Congress that postponed student loan payments. As such, I could not be delinquent on 63 payments that had not been owing and due until XX/XX/XXXX. 

In addition, FedLoan 's conduct is contrary to other federal student loan services. My wife 's federal student loans are managed by XXXX XXXX, and XXXX XXXX did not mark her accounts as delinquent ( presumably because XXXX XXXX understood and complied with the CARES act ). 

I contacted FedLoan and requested that the false reporting of delinquency be immediately corrected. FedLoan refused. FedLoan stated, to the effect, they did not care as they had been ending their contract with the Department of Education as of XX/XX/XXXX. 

Setting aside that no payments were owed, I received no documents from FedLoan addressing the alleged delinquency. If I had actually missed payments, I would have expected to recieve a letter regarding the missed payments. I suspect FedLoan issued no written correspondence because they know no payments were owing and due, consistent with the CARES Act over the past two years.
Consumer complaint received 2024-04-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AMERIS BANCORP (GA)

XX/XX/XXXX : We bought a new home and created a bridge loan on our old house which meant we had to utilize a new banking lender : Ameris Bank Mortgage. We closed on two loans with Ameris Bank. The first one was a bridge loan the second was a conventional mortgage on our new home. We escrowed taxes on both properties. 

XX/XX/XXXX : We rented our home with the bridge loan and things were fine. 

XX/XX/XXXX : We put our house on the market that had the bridge loan. 

XX/XX/XXXX : We sold our house and were closing on XX/XX/XXXX XX/XX/XXXX : My closing attorney told me that there was a XXXX on the property due to non payment of property taxes, and that a third party had bought the taxes. 

XX/XX/XXXX : Called the bank and they expressed that they didn't pay the taxes on time but the taxes should have been paid on XX/XX/XXXX and that they did pay the penalties and the interest associated with the delay in tax payment. 

XX/XX/XXXX : Closing attorney was still seeing the XXXX on the property even though the taxes were paid. He said wait a week to get the release so that the closing could go through on XX/XX/XXXX. 

XX/XX/XXXX : Closing attorney said the XXXX was not released yet XX/XX/XXXX : Called my mortgage broker to ask for executive numbers to take care of this situation. 

XX/XX/XXXX : Talked to XXXX XXXX who is the XXXX of Ameris Mortgage and was very sorry this had happened and was going to take care of the situation. 

XX/XX/XXXX : XXXX was released and the closing will go as planned. 

If I hadn't been closing on my house I could have lost my own house because of this Ameris Bank negligence. How many times has this happened? What can prevent it from happening?
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO. (MI)

My number ends with XXXX not XXXX, I even contacted all of my XXXX, XXXX, XXXX and requested for copy of my report and it shows my correct number on file which is XXXX. I can supply my reports for evidence if necessary, I DO NOT own any number ending in XXXX only XXXX They ( J.P Morgan Chase ) are contacting a number that is not in service... I provided my correct number and it shows in my Credit reports & Consumer reports so I do not understand how I am not being contacted Once Again I was approved for Auto Loan and I received check from XXXX XXXX XXXX XXXX and sent to the private seller XXXX XXXX. XXXX XXXX the check with JP Morgan Chase Bank for {$25000.00} and they put the funds on hold and closed her account. They claim not being able to verify my Phone number XXXX. I spoken with live agents at XXXX, XXXX, and XXXX and they have confirmed. I have even got my XXXX consumer report delivered I AM Providing my report as evidence
Consumer complaint received 2021-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (NV)

This account has been charged off as of XXXX, 2019. Since then the account has repeatedly been updated as closed and charged off every single month which is an update in the payment history which to my understand charged off accounts should NOT include an ACTIVE PAYMENT HISTORY. Need I remind you this also FALSELY MANIPULATES THE STATUTE OF LIMITATIONS.. This has caused tremendous stress and poor scoring on my consumer report.
Consumer complaint received 2024-03-30
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. (OH)

XXXX XXXX, Equifiax and XXXX, is in violation of the FCRA. They are in violation of 15 U.S. Code 1666b - Timing of payments. Please re investigate and update or remove the late payments on my credit report.

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

The following accounts : XXXX Account # XXXX XXXX Account # : XXXX XXXX XXXXXXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX Account # XXXX Are reporting to XXXX, XXXX and Equifax when it is my understanding an reason to believe that because these debts were charged off that is was memorialized with a Form 1099C as proof or evidence thereof. I have a copy B of the 1099-C forms proving the debt was accepted by the IRS and discharged and that because of that fact, this debt is cancelled. According to IRS publication 4681 ( 1. ) Canceled debts, When a debt is canceled or forgiven, the amount of the canceled debt is treated as taxable income to the debtor by the IRS. Income can not be reported on consumer credit reports this indicates inaccurate reporting on these furnishers behalf and therefore is a violation of the FCRA by the furnishers to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) states that 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.

I demand that these accounts be removed from my credit report completely to avoid any legal recourse or action on behalf of myself by retained counsel.

Attached you will find copy B 's of each 1099-C from each furnisher, and the IRS publication proving 1099-C 's are discharged debts and therefor income and INCOME does not get reported on consumer credit reports.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GAMACHE & MYERS, PC (MO)

Good Morning, Request for Deletion of XXXX I hope this letter finds you well. I am writing to formally request the deletion of my charge-off, as per the terms of the Forward Follow Agreement that was previously agreed upon between your company Velocity investments XXXX and XXXX & XXXX XXXX XXXX. 

As outlined in the agreement, the purpose of the XXXX XXXX XXXX was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the charge-off as specified in the agreement. 

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. 

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within 3 business days to comply with the terms of the agreement. 

Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.
Consumer complaint received 2024-04-11
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. (WI)

Creditor name ( XXXX XXXX XXXX XXXX XXXX  ) reported incorrectly information which shown missing Months XXXX XXXX l. Have had thud company almost XXXX yrs. And l don't miss payments from company. I went and got printouts and the printout doesn't show missing payments XXXX or XX/XX/year> l disputed these months notice no update or changes completed which was Disputed online with XXXX and never fix my credit report which Never change on my report scores always in between XXXX even payments payed in full
Consumer complaint received 2023-08-09
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. (NY)

XXXX has posted an allege debt of {$230.00} on my private personal consumer report held and shared by XXXX and XXXX XXXX without properly, legally and lawfully notifying me in the proper manner in which would have afforded me the opportunity to exercise my rights and dispute the allege debt if need be. XXXX and XXXX XXXX has violated several consumer laws by posting, sharing and/or adding remarks to my personal private consumer report pertaining to any transactions and experiences that may or may not have taken place pertaining to this matter, account and/or allege debt/claim. Under the Fair Debt Collection Practices Act Validation of Debts A debt collector must provide the consumer with certain basic information. If that information was not in the initial communication and if the consumer has not paid the debt five days after the initial communication, all of the following information must be sent to the consumer in written form : The amount of the debt The name of the creditor to whom the debt is owed Notice that the consumer has thirty days to dispute the debt before it is assumed to be valid. Notice that upon such written dispute, the debt collector will send the consumer a verification of the debt or a copy of any judgment If the original creditor is different from the current creditor, notice that if the consumer makes a written request for the name and address of the original creditor within the thirty-day period, the debt collector will provide that information If, within the thirty-day period, the consumer disputes in writing any portion of the debt or requests the name and address of the original creditor, the collector must stop all collection efforts until he or she mails the consumer a copy of a judgment or verification of the debt, or the name and address of the original creditor, as applicable.
Consumer complaint received 2023-11-09
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: Resurgent Capital Services L.P. (TX)

This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior
Consumer complaint received 2023-06-08
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. (NV)

I review consumer report that improper use of my credit was used and shows inaccurate information on my report please show proof or delete or paid follow accounts XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX I also report fraudulent activity to both companies nothing has been done still on my report damaging my score and according to comsumer reporting agency make it vital to report maximum accuracy.
Consumer complaint received 2023-07-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Insight Financial, LLC (TX)

I received a invoice dated XX/XX/2023 as well as phone calls from Insight Financial, LLC. that I owed a debt from XXXXXXXX XXXX XXXXXXXX for {$3800.00}. I sent a USPS certified letter to Insight Financial, LLC. on XX/XX/2023 along with all the back up proof that the debt was paid as it was a insurance claim. I have a invoice marked final invoice from XXXX which I paid on XX/XX/2023. I have provided to Insight Financial LLC. all the insurance claim deposits to my account as well as all the invoices and checks I then wrote to XXXX for the same amount to pay each invoice in full. 
Insight Financial has not sent me any written response as I have requested more than an invoice to show me how the payments where accounted for and it has been over thirty days since I requested this. I feel that they are trying to double bill me and take advantage. Please let me know what else you may need from me. 

Thank You, XXXX XXXX
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

Equifax is giving an error code BLNK i cant get my report i went ahead and send the documents to verify myself even tho when it gives error code blnk it tells that the problem can be solved by calling
Consumer complaint received 2020-07-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NM)

Attention : XXXX XXXX Re : XXXX XXXX XXXX Civil Judgment Court case # ( I CANT READ THIS ON THE TEXT- PLZ FILL IT IN ) I received a notification from my HR department at work my wages were getting garnished. I was so shocked. I contacted the plaintiff listed on the garnishment and I spoke with an agent at XXXX XXXX and notified them that this was not my account. The agent sent me copies of the Capital One statement showing it was going to a TX address. I live in NM! 

I want to be very clear that this is not my account. I never took out the account, I never used or paid for the account and I haven't lived in Texas since I was XXXX years old. 

The original application should have never been approved as the address clearly didn't match my address on my credit report. 

This garnishment notice prompted me to pull my credit reports and I now realize I have a total of five fraud accounts.

As a result, I have filed a police report. See attached.

I have sent 3 emails to the plaintiff 's Atty and I haven't received anything other than the Capital One bill showing an address that is not mine.
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

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. has violated my rights. Or 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 2023-06-08
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: LEXISNEXIS (VA)

I am writing you to inform you that lexis nexis, any other credit agency reporting reporting a bankruptcy on my client 's credit report and they have put in the data furnished as being the us bankruptcy Court of Virginia which is false I have attached a letter from the u.s bankruptcy court of Virginia verifying and stating that they do not furnish information over to the credit bureaus or any um credit monitoring service nor do they verify or validate any information concerning bankruptcies lexis nexis is falsely stating this information on credit report. I also did not give them any information or permission. In accordance with the fair credit reporting act Account # has violated my rights 15 U.S.C. 1681 section 602 A states I have a 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
Consumer complaint received 2023-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NY)

On XX/XX/XXXX my rent check was cashed by someone other than the payee. Someone fraudulently endorsed the check it still was cashed. When I became aware of this, I immediately notified my bank Wells Fargo. They closed my account. Then they sent me an affidavit to be completed and notarized. I completed this affidavit at a Wells Fargo branch. The bank, notarized the affidavit and faxed it to the claims department at Wells Fargo. After the affidavit was received, I did not hear from Wells Fargo. The affidavit was received by Wells Fargo on XX/XX/XXXX. I reached out to Wells Fargo several times to understand the status of my claim without notification to me or any communication to me. Wells Fargo closed my claim due to missing information. I only was notified of this when I called to check the status of my claim. The claims department said the investigator would have to call me back. I requested what information that they need and asked next steps, they said they would return my call in XXXX to XXXX business days. I reach out to them a week later, as I had not heard back. The investigator again close my case without even contacting me. The claims department said the investigator has to be the one to contact me. Wells Fargo admitted the investigator did not follow the steps and filed an internal complaint. However I still need to speak with the investigator and the investigators gon na call me supposedly within XXXX business days. I am not heard anything from the investigator. The claims department can no longer help me. I still have not received my funds.
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

In accordance with the fair credit reporting act, XXXX, equifax, and XXXX has violated my federal consumer rights to privacy and confidentiality under 15 USC 1681. According to the 15 USC 1681 section 602 A states I have a right to privacy. These addresses do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX texas XXXX