davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-18
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. (OH)

Ive just reviewed my credit report and noticed the following inaccurate item ( s ) : XXXXXXXX XXXX XXXX  with account number This account is listed as being 30 days late on XX/XX/22 and XXXX.I have never been late on this account. 

XXXXXXXX XXXX Charge off/Late I have never been late on this account
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was never late on this account. 
XXXX These account era incorrect and not are mine XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I admit I was late 4x in 2023 they have me late 5x and my balance of {$660.00} was fully paid on XX/XX/2023 the card is locked they won't let me reuse it but they still want to report to my credit bureau I wrote to them on email that I don't want there services to close my account and stop reporting mis I formation to my credit report agency they don't respond..and other issue is they are reporting a duplicate account of the same but instead of a {$0.00} balance again they claim a balance of {$660.00} and are marking me late again I only had 1 account with them and I paid it all. now instead of me having 4 latest I'm being reported wrong Information 5 latest on 1 account t and 6 latest on the other account its hurting my credit and credit report they have no active number only XXXX they don't have representatives only to write emails I have no issue with XXXX XXXX XXXX its just transunion and they have verified that XXXX  is reporting 2x that a fraud account if that's tru and I should have the right to officially close that account which I have requested and they don't want to honor also the account that has a XXXX balance states my last payment was XX/XX/2023 that's also wrong my last full payment to bring balance to XXXX was done on XX/XX/2023 XXXX
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (FL)

Nationstar Mortgage, LLC assumed my mortgage three months ago. Since that time, each client statement has included a line item entitled " short payment '' in the amount of {$50.00}. Therefore there is a total " short payment '' of {$150.00}. I have called Nationstar Mortgage, LLC each month inquiring about this line item. Each time that I call, they can not explain this {$50.00} " short payment '', nor do they follow up on my requests for explanation. My payment amount is, and has always been, {$990.00}. I have never been late on a mortgage payment in my lifetime, so this should not be any type of late fee.
Consumer complaint received 2023-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IN)

I deposited XXXX checks from my employer on XX/XX/23 XXXX for XXXX and the other for XXXX into my Chase checking account. I was told by Chase that my checks need to be verified before I can use them. A few days after I tried to deposit money into my Chase account but I was unable to. I called Chase to understand the problem, Chase informed me that my checks could not be verified and Chase believes my checks are fraudulent. They restricted my account and I was not allowed to use it at all. I called several times to see how to fix the situation, I was told that since their system could not verify my check, my account will be restricted and unable to use, until verified. I asked Chase how can I assist with verification, so we can rectify the situation promptly. Chase informed me that their company only has one way to verify a check and since that one way was unable to verify my check, my account account will continue to be restricted for use. Finally after waiting, the checks have cleared and the amount is posted to my account on XX/XX/23. However I tried to use my debit card that day and was unsuccessful. When I called to ask the reason, Chase said that even though the checks have cleared we can not verify the checks and your account will remain restricted for use. This whole situation is unjust and Chase has not handled the situation properly.
Consumer complaint received 2023-09-13
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: BARCLAYS BANK DELAWARE (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-06-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (TX)

i had an account loan with wells fargo for my vehicle which was a XXXX XXXX XXXX which they repossessed without any calls or notifications. They added several fees to my outstanding balance and did not give me the chance to try to get my vehicle back before they sold it through auction. Wells fargo was aware i lost my job and was unable to pay and should have given me options such as applying for a hardship. They didnt offer me anything.
Consumer complaint received 2023-11-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC (ME)

Around XXXX XXXX XXXXXXXX I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX XXXX  from my Gemini account to fraudulent investment firms.
Consumer complaint received 2023-09-13
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. (NV)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-09-13
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. (NV)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2024-03-29
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. (VA)

The recent changes in my credit report have left me feeling distressed, dissatisfied, and XXXX. Despite always meeting payment deadlines, some accounts now show late payment remarks. I haven't missed any payments, and it's essential to resolve this matter promptly. I require your assistance to ensure that my credit report precisely reflects all on-time payments, maintaining its full accuracy.
Consumer complaint received 2024-03-29
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: EQUIFAX, INC. (VA)

Having reviewed my credit report, I've detected inaccuracies and signs of fraudulent activity in the listed accounts. I am profoundly dissatisfied with this discovery and insist on the immediate removal of these inaccurate accounts
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I paid off a {$14000.00} auto loan and Equifax lowered my score by XXXX points. HOW THE XXXX DOES THAT MAKE SENSE!?!?!?!?!?!?!!!???!!? Looks like time for another class action lawsuit against Equifax. WHY ISN'T CFPB DOING ANYTHING?????????
Consumer complaint received 2024-03-29
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. (TN)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX XXXX. They in fact did not come from a XXXX XXXX. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Receivables Management Partners, LLC (NC)

I am writing to bring to your attention a matter regarding the lack of response from RMP Services LLC in regards to a debt validation letter that I had sent them on XX/XX/2023. 

On XX/XX/2023 I had sent a debt validation letter via certified mail, return receipt requested, to RMP Services LLC as per my rights under the Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( b ). The purpose of this letter was to request validation of the alleged debt they claimed I owed. 

According to the FDCPA, upon receiving a debt validation letter, the collection agency must provide verification of the debt or cease their collection efforts. However, despite the certified tracking information confirming that they received the letter on XXXX XXXX, I have not received any response from RMP Services LLC to date. 

This lack of response has caused me significant concern and frustration. By not providing me with the necessary validation of the alleged debt within the legally required timeframe of 30 days, RMP Services LLC is not adhering to the obligations outlined in the FDCPA. This conduct goes against the consumer protections put in place to ensure fair and ethical practices within the debt collection industry. 

I believe it is important to highlight this issue to your attention, as your organization plays a vital role in enforcing consumer protection laws. I kindly request your assistance in addressing this matter and ensuring that RMP Services LLC fulfills their obligations under the FDCPA. 

Enclosed with this letter, I have provided copies of the debt validation letter I sent, the certified mail receipt as evidence of delivery, as well as any other relevant documents to support my claim. I trust that these materials will be of assistance in investigating this issue further. 

I kindly request that you investigate this matter promptly and take appropriate action against RMP Services LLC for their failure to respond to my debt validation letter. Additionally, I would appreciate it if you could keep me updated on the progress of this investigation. 

Thank you for your attention to this matter. I look forward to a favorable resolution of this issue and I trust in the CFPB 's commitment to protecting consumer rights.
Consumer complaint received 2023-03-31
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. (IL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus 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 XXXX Balance : {$17000.00}.
Consumer complaint received 2024-03-29
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. (TN)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-03-29
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. (IL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and 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 2023-01-05
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. (AR)

I am submitting this CFPB complaint to you today to follow up the previous CFPB complaint I submitted requesting that you remove the fraudulent accounts and information I found on my Credit File. I was a victim of Identity Theft anf the items I am disputing were the results of the crime. I did not authorized the disputed accounts neither did I allowed anyone to open such accounts on my behalf. Under the Fair Credit Reporting Act section 605b, I am requesting that you remove the following accounts and information off from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have read enough to understand my consumer rights under the Federal Law, Fair Credit Reporting Act. By submitting this CFPB Complaint, I am hoping that you will comply with the law and completely delete the disputed accounts and information off from my Credit File as soon as possible.
Consumer complaint received 2015-04-21
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (GA)

I filed for bankruptcy and received a discharge in XX/XX/XXXX. I had a second mortgage with XXXX XXXX XXXX, which was listed on the bankruptcy schedules. Nationstar Mortgage has continued collection activities against me attempting to collect the discharged debt. Nationstar Mortgage has recorded this discharged debt on my credit report as late for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2023-09-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (IL)

I have attempted to contact NelNet several times over the past few months to check on the status of my repayment plan change. NelNet is impossible to get into contact with. Their phone hold times are over 2 hours and you never end up reaching anyone. If you reach out to them via email, they will never get back to you. My first payment is due in less than a month and I have no idea how much I actually owe or what my repayment plan status is. This is ridiculous that NelNet is actually getting paid to be a complete XXXX
Consumer complaint received 2022-12-08
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. (GA)

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. 

Account Name : XXXX XXXX, Account Number : XXXX and Account Name : Dept of Ed/ XXXX, Account Number : 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. 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 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

My name is XXXX 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 2023-09-13
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services (FL)

I have paid off most of my accounts with ED financial and they have not reported any of them to the credit bureau. I even disputed it on the XXXX XXXX site, received an email stating it would be taken care of in the next 7-10 business days and that still has not happened. 

I have made several calls to Ed Financial and was told that due to them switching over to a new system they didn't have to report stuff to the credit bureau until XX/XX/XXXX of this year. It is now XXXX and none of my loans have been submitted as paid, when One has been paid in full since XXXX of this year. 

I have statements from by bank account showing that the money was removed and when I go onto their site they are showing as paid yet not reported. I have spent so much time and effort to # 1 make my payments, but for them not to report is disrespectful to me. 

Thank you for your time