davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-17
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: Experian Information Solutions Inc. (MI)

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | DOB : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT LATE PAYMENTS WANTED REMOVED. XX/XX/XXXX ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Consumer complaint received 2017-09-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (OH)

I submitted for a loan modification with Ditech toward the end of XX/XX/XXXX. They sent a letter to my attorney ( because I had filed for bankruptcy XX/XX/XXXX ) dated XX/XX/XXXX. I assume this letter did n't get to my attorney until a few weeks later as I did n't sign and send back info untilXX/XX/XXXX ( they were asking for paystubs and a XXXX ). I called in a few weeks after that and they stated I filled out the XXXX incorrectly. I sent back but updated XXXX on XX/XX/XXXX. My bankruptcy XXXX XX/XX/XXXX. Nothing was rcvd until XX/XX/XXXX by my attorney. It was a letter dated XX/XX/XXXX that stated they would modify but they actually increased my payment not lower it and said payment was due XX/XX/XXXX! So from XX/XX/XXXX until XX/XX/XXXX no correspondence. I have received nothing from them in the mail since the XX/XX/XXXX correspondence. According to RESPA Ditech has violated the law : 1. " a creditor must provide workout options within 45 days of a missed payment '' 2. " a creditor must notify a borrower 30 days after submission of a complete loan workout application if there 's an option to save the home '' Both of these parts of RESPA were violated.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can XXXX  occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the XXXX of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

XXXXXXXX XXXX XXXX XXXX XXXXXXXX IS STILL REPORTING INACCURATELY ON MY CONSUMER REPORT. Despite my multiple attempts to notify Equifax of these inaccuracies, you continue to respond by stating that " the company that reported the information has certified to Equifax that the information is accurate. '' THIS IS A CLEAR FAILURE TO PERFORM YOUR OBLIGATIONS UNDER THE FCRA 611. Equifax 's negligence, willful non-compliance, failure to conduct a reasonable investigation, and continuous reporting of inaccurate information have caused me and my family a great deal of mental distress, anxiety, and severe emotional damage. I insist on immediate action to correct these inaccuracies and demand compliance with FCRA 611.
Consumer complaint received 2024-04-18
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: Bread Financial Holdings, Inc. (IL)

Subject : Notice Of Dispute - To Whom it May Concern, I am writing to express my extreme dissatisfaction and concern regarding the manner in which you have handled the reporting of the account CB/EXPRESS XXXX on my credit report. It has come to my attention that there are multiple blatant violations of the Fair Credit Reporting Act ( FCRA ) in connection with this account, and I am demanding immediate action to rectify this matter. 

Specifically, I am formally requesting a full debt validation, which must include the following information : Original Contract : Provide a complete copy of the original contract between the alleged creditor and myself pertaining to the account CB/EXPRESS XXXX XXXX 

Original Creditor : Clearly state the name and contact information of the original creditor associated with this account. 

Original Open Date : Provide the precise date on which the account CB/EXPRESS XXXX was originally established. 

Date of Last Payment : Specify the exact date of the last payment made in relation to this account. 

Date Account Was Closed : Indicate the date on which the account CB/EXPRESS XXXX was officially closed. 

I am well aware of my rights under the FCRA, and it is evident that your company has failed to adhere to its obligations in ensuring the accuracy and validity of the information it reports. I insist on a prompt response and resolution to this matter. 

Failure to comply with this request within XXXX from the date of this letter will leave me with no alternative but to pursue legal action to enforce my rights under the FCRA. Please consider this a formal notice of my intention to do so. 

I expect a timely response, along with the requested documentation, to be sent to the CFPB Portal for prompt access. Additionally, please ensure that any corrections made to my credit report are promptly reflected.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Systems,Inc. (NC)

I am a victim of identity theft and my SSN has been used for personal gain and this is absolutely unauthorized and illegal. I have files an identity theft claim a few months ago and the Reference number is # XXXX. I have contacted the original creditor of the unauthorized debt, XXXX XXXX XXXX via first class mail. I received an email from that rental property, advising me to contact the agency National Credit Systems about debt. They could not provide me with any accurate information such as credit application, proof of identity, or the residential apartment agreement. I have called National Credit Systems at XXXX and, I was told that the debt was sold to another outside agency and they do not have the adequate information that I am requesting. I will litigate for defamation, improper conduct, relating to unethical business behaviors. I am being treated unfairly about this issue. I am not responsible for this erroneous debt. I have all detailed information on record for this issue also.
Consumer complaint received 2018-10-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

I made a payment online and whoever enter the information at Select Portfolio Servicing enter the account number incorrectly ( I am at a loss to understand why the information had to be manually enter by the mortgage company ). The reversal was enter as an NSF.

I was called and gave the customer service agent my correct account number and she verified in multiple time. Again it was entered incorrectly when Select Portfolio Servicing attempted to collect the check. It was entered again as an NSF, I have talked to three customer service agents and was told it could not be changed.

I then called the SPS Consumer Ombudsman Service, and again was told it could not be changed as NSF mean many things to Select Portfolio Servicing.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX have 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 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 with antedates the report by more than seven years.
Consumer complaint received 2018-10-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (FL)

I have been having trouble coming up with the weekly payments on the loan, which are {$270.00} bi-weekly, but managed to have the money in the account ready for the withdrawal date. I originally applied for this loan at Big Picture Loans because I kept getting bombarded with mail about their low fees and the convenience. I found myself strapped on cash for rent and decided to apply for the loan. They sent me an e-mail congratulating me for being approved for {$1500.00}. After making a total of 5 payments on time, a total amount of {$1300.00}, I called the company to let them know my financial situation is not getting better and that my job is actually cutting hours, to which I have payroll statements for proof. They let me know that out of the {$1500.00} that I had originally borrowed that I owed {$1500.00} and that the {$1300.00} that I had paid so far was all in interest. Therefore that for {$1500.00} loan I was going to end up paying over {$4000.00}! The company was very deceiving when continuously to bombard me with mail and making it it seen that it was a viable option for a low income family like mine. Those kind of loans should never be offered, neither approved, to someone who is making {$300.00} checks minus deductions. I want to pay the balance due on the original money borrowed and shouldnt be charge those high interest fees when Big Picture Loans was constantly pursuing a client that clearly did not qualify to get that kind of loan. I am a single mother with XXXX children ages XXXX, XXXX, and XXXX and that loan would only bring my family to be even lower on the poverty level. Please help.
Consumer complaint received 2023-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (AR)

On or about XX/XX/2023, I placed several calls to Nelnet concerning my student loans. I only got through twice after massive wait times, and neither representative was able to help. In fact, the second person explicitly told me she " couldn't do anything ''. The first representative was disconnected. When I tried calling back, there was a massive ( over an hour ) wait time just to speak to someone. The second representative told me they could not help me. I just wanted to change my due date by ONE day. Something they advertise is easy to do on their website, but instead, I was told to contact the department of education. This is the last time I could get anyone to answer or reply from Nelnet. After talking to the department of education, I was told that Nelnet was responsible for any type of payments or changing the due date. I attempted calling and emailing again and waited several hours, with no answer. Again, I have not been able to get anyone from Nelnet to answer my calls or emails. The only response I get is an automated reply. This is completely unacceptable. I waited on hold for a total of almost XXXX hours with no resolution. As a XXXX  and a XXXX XXXX XXXX finding that amount of time to just wait is next to impossible. I have NEVER had such a poor experience when trying to manage an account ... even the military and VA are better than Nelnet as far as " customer service ''. How am I expected to continue with payments when there is absolutely no effort to provide any type of service and the company is completely unreachable. This seems very fishy and almost like a scam. It is not the first time Nelnet has been caught in controversy -- i.e. the over XXXX XXXX dollars scammed from student loans...
Consumer complaint received 2023-03-28
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. (TX)

I am submitting this CFPB Complaint once again to express my extreme dissatisfaction and outrage regarding the fraudulent items listed on my credit report. It is unacceptable that there are several items that I did not open or have any knowledge of, and it is clear that my identity has been stolen. The items in question, which include [ list fraudulent account details ], are a blatant violation of my rights and have severely impacted my financial standing. I demand that you take immediate action to investigate and remove these fraudulent items from my credit report without delay. The following items should be removed 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 XXXXXX/XX/XXXX. As a consumer, I have the right to dispute any inaccurate information on my credit report, and it is your legal obligation under the Fair Credit Reporting Act to conduct a thorough and prompt investigation into this matter. I expect to receive a written response from you detailing the results of your investigation and the actions you have taken to rectify this situation.
Consumer complaint received 2023-07-13
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. (MI)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing XXXX days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2023-07-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Every time when I pay credit card amount I found so much money still in my credit I am customer in BOFA in 8 years ago dont get any more money in my credit card or any changes in my score of credit card I lose so much money with Bank of America
Consumer complaint received 2024-04-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I don't recall having a contractual relationship with this collection company PORTFOLIO RC. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-04-18
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: Synovus Bank (MI)

XX/XX/XXXX : I wrote a good will adjustment letter to First Progress Credit Card Company for a late payment that should have never been on my Consumer Report, I also filed a complaint with Better Business Bureau. 
XX/XX/XXXX : First Progress Credit Card company responded stating they would update the records and it could take up to 31 days. 
XX/XX/XXXX : First Progress Credit Card Company responded to the XXXX XXXX XXXX  stating XXXX XXXX is honored, late mark to be removed within 30-45 days. Late payment was never removed. 
XX/XX/XXXX : I sent a demand to comply letter to all 3 Credit Bureaus : XXXX, XXXX, and XXXX. 
XX/XX/XXXX : XXXX updated the late payment to current. XXXX and XXXX updated to info was accurate and kept the late payment. 
XX/XX/XXXX : XXXX reverted back from current to late payment. 
XX/XX/XXXX : Late payment still shown on all 3 consumer reports : XXXX, XXXX, and XXXX.
Consumer complaint received 2022-11-30
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX Balance : {$16000.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$1000.00}.
Consumer complaint received 2023-06-14
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: EQUIFAX, INC. (FL)

Recently I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found nuverifiable, invalidated, inaccurate and questionable items that your agency didnt make sure it was reporting 100 % correct. In accordance with the fair credit Reporting Act everything has to be 100 % accurate on my credit report and under 15 u.s. code 1681e ( b ) and 15 u.s. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2019-05-17
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. (TX)

Equifax, XXXX, and XXXX  are unfairly setting my credit scores. In the month of XXXX, my credit score dropped ~30 points down to a XXXX due to an incorrect late pay reported by my mortgage company ( XXXX XXXX ). I got this corrected and saw no adjustment in my credit score. My credit just dropped another ~30 points because my credit balance increased ~XXXX. I believe Equifax is displaying unfair practices.
Consumer complaint received 2024-04-18
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (FL)

Debt Collection agency repeatedly contacts me multiple times a week after stating this is not my debt but they refuse to resolve the issue or remove the debt. Provided proof and documentation to XXXX, XXXX, and XXXX that is is impossible for me to have lived there as I was still in high school and at home with my parents living in a different city at the time. Debt is currently in dispute with the credit bureaus. I graduated high school XX/XX/2021 and I moved into my first apartment in XX/XX/2021 IN XXXX FLORIDA. I NEVER LIVED IN THE CITY THAT THE DEBT COLLECTION AGENCY PROVIDED ME.
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. (PA)

I provided written notice to XXXX XXXX XXXX XXXX expressing that I wish to exercise my right to opt out of the sharing/reporting/sale of my non public personal information as it violates my right to privacy. 
See, Auto loan : XXXX, Account Owner : XXXX XXXX XXXX , Principal balance : {$9400.00}. It is being reported to non affiliated third parties and I am requesting that such information be removed for these non affiliates, database. These non affiliates have stored this information shared it inaccurately, and have sold it. It has been reported incorrectly on my consumer reports with multiple different reporting agencies, and I now request that the CFPB preforms in its duty, to enforce my rights as a consumer. Per, 15 U.S.C. 6801-6805 and, 16 CFR 313.7 I am aware, You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. 
I am aware of, Continuing right to opt out. A consumer may exercise the right to opt out at any time. 
I am also aware of Duration of consumer 's opt out direction. A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically. 
Let this serve as notice of my request for OPT-OUT.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting act XXXX  account XXXX, account # 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.
Consumer complaint received 2022-11-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I received a phone call from someone reporting to be with Bank of America. They asked if I was trying t open a new personal checking account which I was not. They then told me that someone knew my name, home address, email address and ss # and was attempting to open an checking account in my name. I received an email from this Bank of America person and then called my advisor at Merrill Lynch who verified that the call from Bank of America was legitimate. I am now taking measures recommended by my Merrill Lynch advisor by freezing my credit with all three credit reporting agencies, etc.