davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (MI)

I sent Jefferson Capital a police report almost 2 years ago notifying them that a debt that they were trying to collect was from identity theft. Also with the information I sent my then address that was XXXX XXXX XXXX XXXX XXXX which is also noted on the police report. 2 years later Jefferson capital has tried to covertly sue me for this debt using the old address of XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, without even having someone to sign for the notice they know that this is no longer my residence and has not been my residence for many years. The tenant got in touch with me through the property management company to let me know about this. Jefferson capital is being deceptive because they were sent the information over two years ago. I am including the same police report that i sent to the company 2 years ago.
Consumer complaint received 2015-10-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (AZ)

I called my mortgage company the other day to request a loan modification packet and they told me that my home was in active forclosure which is the first I have heard. I am behind on payments, but never revcieved anything from the mortgage company regarding foreclosure or a notice to cure debt before a certain date to avoid it happening. It is my understanding that this process is to occur prior to going into foreclosure. Once again this company has wronged me. This is not my first complaaint against them.
Consumer complaint received 2022-09-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MN)

I've been attempting to submit PSLF ( Public Student Loan Forgiveness ) applications but they keep being denied. Also, my payment number has not been updated and remains at XXXX even though I have over 10 years of full-time eligible employment. I've done everything that I've been told in order to get my loans forgiven before the XX/XX/XXXX deadline but nothing is happening. No one seems to be following through on my inquiries, my cases keep being closed and my applications denied for various reasons ( that make no sense to me ), and when I do happen to contact someone who does seems to try to look into my situation a little bit, all I'm told is my case is " unique '' BUT I should be getting my loans forgiven. However, then nothing happens later, other than receiving application denials and scripted form letters.
Consumer complaint received 2021-07-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CCS Financial Services, Inc. (FL)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2023-01-24
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: I.C. System, Inc. (CA)

When I received the letter from IC Systems, I called the number provided and I was met with a message saying that this company is not taking my calls. This is a debt from XXXX  that I've been disputing and filed a claim back in XXXX from another collection company tryin to collect on this. This company is also reporting incorrect time of debit as well as reporting this as new. This was placed in collection back in XXXX of XXXX and IC Systems is reporting this as XX/XX/XXXX as being a new debit. XXXX keeps passing this along when I dispute this claim and this company is falsely reporting this as a new debit. 

Below is when this was first on my account and I filed a claim on this company Date Reported : XXXX XXXX, XXXX Collection Agency SOURCE XXXX XXXX, Original Creditor Name XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$2000.00} Amount {$2000.00} Status Date XXXX XXXX, XXXX Status UNPAID Balance Date XXXX XXXX, XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification CABLE_OR_CELLULAR Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact SOURCE XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency SOURCE XXXX XXXX, Original Creditor Name XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$2000.00} Amount {$2000.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification CABLE_OR_CELLULAR Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES REINVESTIGATION IN PROGRESS Contact SOURCE XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ( XXXX ) XXXX
Consumer complaint received 2023-01-24
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. (NC)

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

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 inadvertently 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 dissemination 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 2024-04-02
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. (CA)

XXXX  refuse to delete informaiton or block merchant that has account on report thats not accurate i also provide ftc and police report XXXXXXXX XXXX still reporting on my credit report i uploaded was ignore nothing has been done XXXX  fail to accurate remove information on my report also along with account and XXXX XXXX  i dont owe these merchant anything.never sign no contract withthis companies
Consumer complaint received 2022-09-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation (DE)

My husband and I purchased a car in XXXX at XXXX on XXXX XXXX, XXXX XXXX financed through Bridgecrest XXXX XXXX XXXX, XXXX, AZ XXXX. The car title is just in his name. My husband died XX/XX/XXXX and I contacted Bridgecrest in XX/XX/XXXX to inform them that XXXX passed away and to make an additional car payment. We had auto pay so the account was and still is current paid up to the end of XX/XX/XXXX. Bridgecrest told me they needed a copy of his death certificate and POA that they couldn't discuss the account with me because I wasn't on the Title but they allowed me that day to make an additional payment ( XXXX 's pymt ). In XXXX I went to renew my tags at XXXX and my car was flagged to go to Register of Wills to get death cert./POA and I did. Long story short XXXX wouldn't renew my Tags because my name wasn't on the Title and told me to contact Bridgecrest for resolve. Per Bridgecrest to add my name to the Title they had to go thru this process that could take up to 90 days '. I said before we started let me give my financial info., Per Bridgecrest my income was ok, they ask me if XXXX had any children, I said yes, so they informed me that his children had to sign off thru a notary that they didn't want the car. Long story short, I told them XXXX separate times throughout our conversation to start the process, but I also told them I needed to research to see if that was legal for them to do because XXXX and I was married in XXXX, we purchased the car in XXXX, what does his kids have to do with it and if all children didn't want to sign why would I pay for a car that might not never be mine. Bottom line, I told them to start the process. Next thing I know my car was taken out of my driveway on XX/XX/XXXX and I called the police to report my car stolen because that's what I thought happened since my car was paid up to the end of XXXX. I did not know that they repo my car. XXXX Police responded and toke the report. Long story short, I later found out that Bridgecrest repo my car, that they said I told them to come get the car .... ( which they toke out of content ). They then started playing semantics with what I told them. I know I probably left out some pertinent info so if someone can contact me asap I will gladly give you more details.
Consumer complaint received 2023-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of XXXX and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX ACCT : XXXX DATE OPENED : XX/XX/2014 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act 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 2022-11-30
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above accounts were created shortly after my identity was stolen I have no knowledge of these account
Consumer complaint received 2022-09-19
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)

Experian is reporting a fraudulent account from XXXX XXXX on my credit report account number XXXX7 & XXXX XXXX XXXXXXXX account number XXXX. I notified them and filled out the report letting them know these are a result of identity theft it was blocked from my credit report then place back on from the company and Experian refuses to dispute or block this information they are saying they receive documents from the company I ask for the documents they will not provide it to me And one representative told me they have not received any documentation they are just taking them word of mouth theres no documentation because I was in jail at the time these accounts were open so Im filing a complaint because I need the fair credit reporting act youre only supposed to report 100 % accurate information this is identity theft So the information is not accurate .they told me since It was already disputed they cant dispute it anymore and thats a violation of the fair credit reporting act because if an account is fraud youre supposed to investigate re-investigate or if I have the documentation you are supposed to block this account from my credit report I am requesting these accounts be blocked from my credit report pursuant to section 605B 15 US C 1681C-2 Of the fair credit reporting act
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am writing to express profound dissatisfaction regarding the persistent presence of a fraudulent account on my credit report. Following the reporting of this identity theft, I contacted the company associated with the fraudulent account. While they confirmed the validity of the report, they indicated their inability to provide records. Nevertheless, they assured me that the fraudulent account would be expeditiously removed. It is noteworthy that both XXXX and XXXX have already expunged this account from their records after identifying and rectifying an error. I find it perplexing that your bureau continues to verify this account when the aforementioned bureaus have already removed it. I urge you to delete this account from my file, as it is marred by inaccuracies, errors, incompleteness, or unverifiability. 

XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

This company is continually reporting incorrect information on my credit report! I requested this company to validate the debt and they have not provided me with I also asked to show me the method of verification and they have not sent me anything! I also asked this company to show me how investigated the negative items on my report they have also not provided me any of these items! 

This company is effecting my credit report negatively and it is not allowing me obtain any credit lines in order to provide my family! This company is braking several laws while violating my rights as a consumer under the FCRA & FDCBA! 

15 U.S. Code 1692- ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy 15 U.S. Code 1681- ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports. In accordance with the written instructions of the consumer to whom it relates 15 U.S. Code 1681a - Definitions ; rules of construction. The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

ACCOUNT : XXXX XXXX XXXX  ACCOUNT # : XXXX DATE OPEN : XX/XX/XXXX ACCOUNT : XXXX XXXX ACCOUNT # : XXXX DATE OPEN : XX/XX/XXXX
Consumer complaint received 2023-05-24
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (FL)

Regarding this complaint, I am submitting this claim on the behalf of Department of education student loan lender has given out my personal information to a NEW lender that is now over my student loans which is now, NELNET ( the new creditor over my student loans ). US department of education has closed the account on XX/XX/2023 in the amount of XXXX and transferred all my information to NELNET as of XX/XX/2023 which made it as 8 accounts as students loans when it should be 1 account.

Looking at the 3 different credit reports, I also noticed some amounts differences in amounts on my student loans.
Consumer complaint received 2024-04-02
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. (AZ)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you donot validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-02
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. (VA)

I am writing to file my second formal complaint against Equifax, a credit reporting agency, regarding the unverified accounts listed on my credit report, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). I have made multiple attempts to resolve this matter directly with Equifax, but their response has been unsatisfactory, prompting me to escalate this issue to your respective agencies. 

On XXXX I submitted a written request to Equifax, requesting the removal of the unverified accounts from my credit report, as required by 15 U.S.C. 1681. Despite this legal obligation, Equifax responded by stating that the accounts were " reported correctly '' and had been verified. However, they failed to provide any substantial evidence or documentation to support their claims. 

I have also requested specific information from Equifax regarding the individuals or businesses involved in the verification process, including their names, business addresses, and telephone numbers. Furthermore, I inquired about their failure to provide me with copies of the verification, as per my request. Unfortunately, Equifax has not adequately addressed these concerns or provided the necessary documentation required by Section 609 & Section 611 ( a ) ( 1 ) ( A ) and Section 611 ( 5 ) ( A ) of the FCRA.

Based on current case law, it is evident that credit reporting agencies bear the responsibility of ensuring the accuracy of the accounts they report on. Merely parroting information received from other sources does not fulfill the obligations imposed by 1681 ( a ) ( 4 ) of the FCRA.

I firmly believe that Equifax 's noncompliance with the FCRA constitutes a violation of federal law and exposes them to potential civil liability. As a result, I am considering pursuing legal action to enforce my rights under the FCRA. I am aware of the remedies available for negligent noncompliance, as outlined in Section 617 of the FCRA.

I kindly request your assistance in investigating this matter and taking appropriate action against Equifax to ensure compliance with the FCRA. Additionally, I urge your agencies to address the issue of unverified accounts on credit reports to protect the rights of consumers.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KS)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

hi, i have contacted Experian numerous times since there are several inquiries on my credit report that i did not authorize and they refuse to investigate and remove unauthorized inquiries on my credit report, they keep insisting that these inquiries are staying on my report for 2 years. 
These are the following inquiries that i do not recognize and did not authorize. 
XXXX  XXXX, XXXX  XXXX  XXXX, XXXX Card, XXXX  Card, XXXX  Card, XXXX  XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  Credit, US Small Business Admin, XXXX Card, XXXX XXXX, XXXX Card, XXXX XXXX XXXX, XXXX Card, XXXX, XXXX Dept of Justice, XXXX Card, XXXXn Thank you for your help
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I have diligently followed all the necessary procedures in disputing these accounts. I've contacted the companies, and they assured me the issue was resolved. Law enforcement has been involved, and I've provided a FTC report, which they confirmed as valid. Furthermore, XXXX and XXXX have complied with legal requirements and removed the accounts. However, Equifax seems to be presenting obstacles, claiming I haven't completed all the necessary steps. I called them about 3 months and they said to remove the accounts but up until now, the accounts are still reporting under their bureau. It appears Equifax is failing to fulfill its legal obligation to process the identity theft report eventough the companies already removed the accounts from the other bureaus. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX