davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-07
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: EQUIFAX, INC. (TX)

I can not file any more disputes on inaccurate information. i have a collection account that keeps popping up under different names every other year or so. its the I c systems ( then it will disappear, then reappear ) which is the same as the XXXX XXXX, like they keep reselling information that is incorrect. i want them to stop reporting inaccurate information on my credit report as i have never gotten a call or letter from them but they always appear on my credit report. its not just them its all the ones in the attachment i can not seem to get rid of and keep disputing. the ones in the attachments i can not dispute anymore and have explained my hardships many of times. i have been on medical leave from work since XXXX/XXXX and have become a permanently XXXX vet. The thing is Im trying to fix my credit to provide for me and my children and a lot of these accounts need to be removed and not keep reselling information to other companies and a lot of the companies in red need to update their information as well. this applies to all three bureaus. also how come the one dept of education there is only one in red? you can not discharge student loans thru bk. Im working on that since i am XXXX percent they will be XXXX hopefully all thru XXXX all Im trying to do is better my situation/credit and I'm getting nowhere. None of my credit reports match at all. And I dont know if XXXX XXXX but Ive been getting denied for a house to buy/rent because of a lot of things on my credit and dont know how to go about getting them to be removed because I am XXXX with XXXX children. I sure hope this reaches the right person. Thank you so much.
Consumer complaint received 2021-04-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2024-08-23
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. (CA)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

On my FICO credit report, it shows I have a delinquent mark from " serious late payment. '' However, none of my payments are late. So, I opened up the report, checked all of my open and closed accounts for a late payment. None of my accounts show late payments. So, I can't even go to a company and discuss this because I'm not sure where the information is coming from. I even checked the collections report and I am not in collections for anything either.
Consumer complaint received 2021-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/XXXX someone tried opening a Capitol One/Cabellas credit card with my social security number. I immediately called all 3 credit bureaus and Capitol One and reported the fraud. On XX/XX/XXXX a second credit card with the same company was attempted again using my social security number. I called a second time and reported the fraud. I also wrote a letter to Capitol one and XXXX  to remove the hard inquiries on my credit report and froze my credit. I've now called again because now there are two addresses on my credit report that are not mine. This has hindered my credit and is absolutely ridiculous that it is now almost XX/XX/XXXX and this is still not corrected.
Consumer complaint received 2021-04-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Zillow Group Inc. (NC)

We explored refinancing our house with Zillow in XX/XX/2020. We ended up not moving forward with that and did not ultimately complete disclosures or get anywhere close to closing. 

As part of the refi, Zillow listed themselves on our XXXX insurance as the mortgage company on a business to business portal that is apparently used for mortgage and insurance companies to communicate. That is supposedly a normal practice, but what should have happened and did not was for Zillow to remove itself as the mortgage company with XXXX when we decided not to pursue the refi The end result was XXXX issuing an escrow refund check that would have gone to our actual mortgage company, but instead went to Zillow because Zillow continued to list themselves as the mortgage company. We have spent hours on the phone with XXXX and attempting to get through to a Zillow accounting person with no success. XXXX has done the same, with no success. 

So, I am now reaching out to you for help. Zillow owes XXXX {$1800.00}. Until Zillow pays this to XXXX, XXXX will not refund our escrow which is now overdrawn. We are on a fixed retirement income so a 20 % increase in the mortgage payment due to this escrow shortage is a big deal. 

We need Zillow to refund XXXX so XXXX can refund our mortgage company, XXXX XXXX, balance the escrow and decrease the mortgage payment. 

Can you help? 

Thanks.
Consumer complaint received 2021-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

Please update personal information on experian my name is XXXX XXXX XXXX My only address XXXX XXXX XXXX. XXXX, Ohio XXXX There maybe individuals that have thr same information as mine. Creditors may have entered my name, and address incorrectly when requesting my credit report. Regardless there are forms of my name and addresses that should not appear in my credit report
Consumer complaint received 2023-03-07
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. (FL)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

On my XXXX credit report, it shows I have a delinquent mark from " serious late payment. '' However, none of my payments are late. So, I opened up the report, checked all of my open and closed accounts for a late payment. None of my accounts show late payments. So, I can't even go to a company and discuss this because I'm not sure where the information is coming from. I even checked the collections report and I am not in collections for anything either.
Consumer complaint received 2021-04-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
Consumer complaint received 2021-04-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IL)

I have tried to resolve these issues concerning this debt claiming we owe to HUD. We have called HUD and explained that I refinanced on XX/XX/XXXX. I received a notice from Wells Fargo of this Debt with HUD on XX/XX/XXXX. I didn't understand why I owed this money, I found out an FHA Cash-Out Refinance was not done. When I spoke to HUD I could not get any help. I had a mortgage with Wells Fargo Home Mortgage and refinanced with XXXX XXXX. I got in touch and both banks and so far nothing has been done. Please note I refinanced on XX/XX/XXXX, with XXXX XXXX, I didn't receive this HUD information from Wells Fargo until XX/XX/XXXX. I received a letter from Wells Fargo on XX/XX/XXXX, that I requested a pay-off letter, the letter stated that all funds were paid. A copy of the pay-off was on XX/XX/XXXX. HUD did not get paid so now HUD is prepared to take 15 % of my social security check each month. I'm hoping this can be resolve because Wells Fargo failed to do a correct FHA Cash-Out Refinance.
Consumer complaint received 2021-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credence Resource Management, LLC (FL)

Hello, I was in the process of obtaining credit a few months ago and was made aware of several inaccuracies on my credit report. I reached out to Credence Resource Management via direct mail several times to verify the information they are reporting to the credit bureaus. After several attempts, they have not provided any proof or documentation verifying the information they are reporting. All three bureaus have different information in regards to payments made on different dates, with different account numbers and on-time/late payments for what is supposed to be the same account. Credence has not been able to verify any of the information reported, they simply send letters with a supposed payment amount.
Consumer complaint received 2021-04-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (NY)

I've been trying to clean up my credit. currently Citibank is attempting to collect a disputed debt through XXXX XXXX XXXX XXXX. I have requested validation of the debt including the contract and history/statements to show how the purported balance occurred and is calculated. I've also asked for the date of the last payment made on this account if any to show the date of delinquency and to determine if the statute of limitations has expired on the account. I have been unable to obtain any of this information from XXXX XXXX XXXX after multiple attempts so I am reaching out the Citibank for assistance.
Consumer complaint received 2016-06-22
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: NAM National Arbitration and Mediation (TX)

The number that called is XXXX XXXX XXXX. They told me that I owed XXXX XXXX XXXX and wanted me to settle my debts I said yes because I wanted to get it over with. They processed payment two weeks after our agreed date and did it twice. Now I am trying to call the number they called me and it goes directly goes to voicemail. I have tried looking for this ADR arbitration and mediation company but no luck so far.
Consumer complaint received 2021-04-26
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc. (CA)

I have been receiving daily or multiple times a day calls from Convergent Outsourcing , Inc . I was not able to determine who was calling me until today. When I began receiving the calls, from what is obviously a spiffed number and a non-existent area code, I called back to see who or what it was. I was asked, upon answering, if my name was XXXX someone. I replied no, and told them to stop calling my number. I told them I had no idea who the person you are trying to reach is. After stating this, I was immediately hung up on. I went through this three or more times over the next several months then stopped trying. The calls persisted once or twice a day and I even received one text. Today I answered the call and immediately asked to speak with a supervisor. I was instantly hung up on. I called back eight times asking for a manager or supervisor. I was variously told that he was in a meeting. He was unavailable. He would call me back if I provided my phone number. He would not speak to me unless I informed the agent what the reason for the call was, which when I provided it, resulted in being hung up on again. On call number 9, the agent who answered was a breath of fresh air acting professionally and putting me on hold to get a supervisor on the line. The supervisor was a woman named XXXX XXXX, Employee ID : XXXX. She addressed the issue professionally and assured me I would receive no more than two additional calls while the system removed me. Convergent Outsourcing violated my rights by continuing to call me repeatedly even after telling them multiple times they had the wrong number. When I called to correct them I was hung up on repeatedly. I want to file a claim for punitive damage. Can I do that at CFPB like I would be able to on the FTC website for unsolicited calls?
Consumer complaint received 2021-04-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal get my money on my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''
Consumer complaint received 2024-06-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BARCLAYS BANK DELAWARE (TX)

XX/XX/year> - Upon closing the account I did not apply for, the company ( Barclays ) created a 2nd account ( without my knowledge ) and transferred the charges from the fraudulent account to the 2nd account. I became aware of the 2nd account on XX/XX/year>. During the interim, and since XX/XX/year>, there does not appear to have been any investigation, and interest and late fees were being added to the account. I have spoken to the company a total of 7 times ( XXXX XXXX XXXX XXXX XXXX XXXX with no resolution and continued interest, late fees, and flagging as past due. Detailed account of each communication is attached with documents.
Consumer complaint received 2021-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AXOS FINANCIAL, INC. (NY)

My XX/XX/2021 mortgage payment was 2 weeks late and I paid it on XX/XX/2021 together with a late fee and I included XX/XX/2021 payment as well. Axos maintains that it was paid, for some reason put it a separate account and advised me that they would take care of it and mark it paid. Instead, I received a foreclosure notice, and another bill this month showing that the mortgage was not paid. My credit score dropped XXXX points and continues to spiral downward because they refuse to acknowledge the payment. I called repeatedly and am assured I would receive an email by the end of the business day that they notified and corrected the information wrongly sent to the credit agencies to no avail. I have the receipt that payment was made to Axos from my bank on XX/XX/2021.
Consumer complaint received 2021-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, I am very stressed out because I have unknown accounts in my profile. I just checked today and I was shocked. This is a mistake or maybe even fraud because I feel that someone could use my personal information. I can not understand how this possible. But I do not want to have fake items in my credit report thus I am asking you to remove it as soon as possible please.
Consumer complaint received 2021-04-26
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: UHG, LLC (NV)

Debt collector is calling before XXXX on multiple Occasions. They have my address so they clearly know where I live and that it is in pacific time. It has happened several times as early as XXXX XXXX. I asked them to stop and why would they call so early when its obvious the time given you have my address so therefore should know my time zone.
Consumer complaint received 2017-04-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Nelnet, Inc. (NC)

I have requested a payment schedule from Nelnet and because my loan in 'undisclosed ' and was sold to them by XXXX XXXX they will not provide me with a payment schedule. 
Nelnet has offered to " disclose my student loans ' and provide me with a payment schedule if I 1 ) agree to increase my monthly payment by {$110.00} per month at {$22000.00} or increase my number of payments from XXXX to XXXX and will increase the balance by {$37000.00}. I have received XXXX phones with basically getting scammed with each offer. All I want is a payment schedule. 
I have filed a complaint with the BBB. 
All phones calls and time are documented.