davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (AL)

I.C. SYSTEM, INC has added a collection entry to my credit report. This was added XX/XX/2021. The entry has the original creditor being : XXXX XXXX. I have NOT been sent a letter or received a call to dispute this erroneous entry. I DO NOT live in XXXX. 
The account number listed on the credit report Is : XXXX, for the amount of XXXX.
Consumer complaint received 2021-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

# 1... I had a debt from XXXX XXXX XXXX that was sent to XXXX XXXX and I paid the debt off over the phone with XXXX she stated they would flag it for removal and I also sent Equifax a dispute to have this taken off my report and when my 30 days were up the debt still remains on my report and shows not paid. I have reached out to XXXX credit in XXXX VA and she has stated that it has ben flagged last month for removal but Equifax will not remove it from my report. This is causing me a denial when I apply and they keep dropping my score I'm very disturbed by this matter and it needs to be fixed immediately. 

# 2 ... Also XXXX  XXXX  keeps reporting a bad debt once Equifax removes it they put it right back on there I am a victim of IDENTITY THEFT and this also needs to be removed and blocked from re-issuing on my report. these have been removed from my other reports from XXXX and XXXX, I need Equifax to be diligent and stop this I should not have to keep going through this every month. I have worked really hard on my credit and I refuse to let Equifax or a fraudulent person or company cause me any more hardship. 
I have filed a theft report with FTC AND A POLICE REPORT.
Consumer complaint received 2024-04-09
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: CarMax, Inc. (SC)

The information listed below are unauthorized inquires, which appears on my credit report, does not relate to any transaction ( s ) that I've made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Carmax Auto Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-10-24
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. (PA)

Consumer reporting agencies are reporting fraudulent accounts on MY credit/ consumer reports which is a violation of the FCRA , also my right to privacy has been violated under 15 USC 1681b
Consumer complaint received 2019-10-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

I have been paying on my student loan for over 18 years and the balance of the student loan dont seem to reflect payments applied and interest has been applied incorrectly. Balance from department of education to Navient was also done incorrectly where the principle balance was incorrect.
Consumer complaint received 2024-01-10
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: MOHELA (ID)

My student loans used to be handled by a lending company called XXXX but after I started working for XXXX XXXXXXXX  and qualified for student loan forgiveness they transferred my loan to a company called Mohela. I have two issues now because XXXX is continuing to report my student debt as well as Mohela so it appears I have twice as much student loan debt on my report than I actually do.. also Mohela has been violated by the Biden administration and my account is in mandatory forbearance pending my income driven repayment agreement which should be set at XXXX continuing once the issue is resolved but mohelo is reporting that my payments are deferred and they keep adding interest to the balance in my credit report but there is supposed to be no interest during the forbearance. I would like XXXX to quit reporting and have it removed from my report and I would like a Mohela to report accurately and update everything but I have had no luck and it has caused me to be denied for a mortgage.
Consumer complaint received 2021-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (AZ)

I pulled my 3 credit reports and I sent 3 letters to Equifax, XXXX and XXXX on XX/XX/2021 to verify accounts with original creditors that these accounts are reporting 100 % without errors or delete them. I recieved no response from all 3 credit bureaus. Then on XX/XX/2021 I checked my credit report and I see nothing is reported in dispute, which i have uploaded and I sent followups letters to all 3 credit bureaus ( Equifax, XXXX and XXXX ) that the information must be deleted from my report as soon as possible, since they didn't respond to my 1st letters, which is a violation because they didn't start an investigation and they did not respond to me at all. and i wrote on the letters to remind them " Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. '' Then againI pulled out my credit reports and still no disputes and they didn't respond to my 2nd letters so I sent warning letters 40 days after the second letter on XX/XX/2021. In till this day they have not responded to me. I want them accounts deleted now since they chose not to investigate them and since they didn't respond to me at all which is against the law. That is the issue I'm facing and I ran out of patience, So please help me ib this matter Thank You, XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2021-01-28
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: EQUIFAX, INC. (FL)

The credit bureau is continuing to report an erroneous report on my credit file from XXXX. XXXX responded to the CFPB complaint and acknowledged that they are not a licensed collection agency in the state of Florida and misrepresented that they have responded to my certified letter requesting validation of the debt. I filed a dispute with the credit bureau requesting written validation of the debt, and the only response I received was a statement telling me that the debt was validated but provided me with no information or written documentation. XXXX is not legally licensed to collect a debt in Florida, and they can not report that they are collecting a debt on my credit report. I have filed a complaint with the Florida Attorney Generals ' office. I am requesting that the credit bureau be investigated and that the account from XXXX be immediately deleted from my credit report.
Consumer complaint received 2021-10-23
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. (TX)

I, XXXX XXXX, a federally protected consumer, authorize this investigation. I have unauthorized fraudulent accounts on my credit report that I do not consent to be on my consumer report.
Consumer complaint received 2021-01-28
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: RFNA, LP (MS)

XXXX XXXX XXXX XXXX is the name of the company XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, ga XXXX They've called on the XXXX and XXXX of XXXX after I've already spoken to them and asked for them to stop harassing me. I've asked them to stop calling and they continue. 
They call from local numbers and when you call back the numbers aren't in service. They do not let you know who they are when they call unless you give them personal information over the phone and only after you give them the info do they let you know who they are.
Consumer complaint received 2021-08-02
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP. (TX)

21st Mortgage Corporation ( hereafter the mortgage company ) is suing me for possession of my home. My husband XXXX XXXX died on XX/XX/2021. I am the Successor of Interest because I am his wife of XXXX  years. 

The mortgage company was in communication with me about bringing the payments current up until I advised them that I would not be able to bring the account current. 

The mortgage company would not answer my question about whether or not the mortgage had private mortgage insurance that would cover the entire amount owed in the event of death. 

The mortgage company did not attempt to contact me again directly via mail or phone regarding loss mitigation options. 

The mortgage company sued me and attempted to serve me the first time on XX/XX/2021. In the suit they lie and state that the loan has been accelerated and foreclosed on which is an ABSOLUTE LIE - ( see the attached Notice of Delinquency dated XX/XX/2021 ) which was mailed over a month AFTER the lawsuit was filed. 

They are seeking possession without having any proof of my identity or proof of my husband 's death. They are not seeking monetary relief in the illegal lawsuit because they can not, I am not on the note - yet. 

The mortgage company is in violation of multiple requirements designated by the CFPB with regard to handling the rights of a successor of interest/heirs of a deceased mortgage holder. 

The mortgage company has communicated with the landlord of the lot my husband rented in order to bully and intimidate me into moving. 

The mortgage company used aggressive and scary tactics to attempt to serve me including having a woman scream my name at my door and yell out that the Texas Supreme Court was serving the papers ( for the illegal lawsuit ) on XX/XX/2021. 

Despite my posting No Trespassing signs on my door the mortgage company again sent a person to knock on my door on XX/XX/2021, XX/XX/2021 and XX/XX/2021. 

During one of these trespassing incidents the person banged on the mailboxes outside and when I opened the door a man in a white truck with tinted windows sped away. This was very upsetting and scary as I am a widow now, I live alone and have no friends or family nearby. 

I will be filing the proper inheritance forms with the county this week regarding the mobile home - an Affidavit - Statement of Inheritance.
Consumer complaint received 2021-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Please remove addresses on my credit report, employers and wrong names. 

My only address is XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX My only name is XXXX XXXX XXXX
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (DE)

I am writing to formally dispute certain items appearing on my consumer report, as maintained by your agency pursuant to 15 U.S. Code 1681i - Procedure in case of disputed accuracy. After a thorough review of my consumer report, I have identified several inaccuracies that require immediate attention and correction. 

Personal Information Errors : I would like to bring to your attention to the inaccurate items listed on my consumer report. 

XXXX. ERRORS WITH MY LEGAL NAME : XXXX XXXX XXXX XXXX XXXX XXXX are incorrect. My true and legal name is XXXX XXXX XXXX. This discrepancy may impact the accuracy of the information contained in my consumer report. Therefore, I kindly request that my correct name be updated and reflected accurately in your records. 

2. NON-MAILABLE ADDRESSES : XXXX XXXX XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX. INNACCURATE PHONE NUMBERS ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX In light of the aforementioned inaccuracies, I hereby request that your agency conduct a reasonable and thorough investigation into the disputed information. Specifically, I kindly ask for you to verify the accuracy of the disputed information and provide me with a record of the current status of these items. Alternatively, I request that you remove the items entirely from my consumer report if they are indeed found to be inaccurate. 

I understand that, under the Fair Credit Reporting Act ( FCRA ), you have a legal obligation to investigate consumer disputes within 30 days of receipt of this letter. I therefore expect a prompt response outlining the steps taken to address my concerns and to rectify the inaccuracies identified. 

Enclosed with this complaint, please find copies of supporting documents that further validate my claims and assist in your investigation. This includes copies of official identification documents, such as my driver 's license, that clearly indicate my correct name, as well as proof of current and previous addresses.
Consumer complaint received 2021-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I would like to say thank you Consumer Financial Protection Bureau and thank you for your help in protecting consumers against fraudulent acts of companies. I recently reviewed my credit profile and ....

I would like to inform you of violations of the FCRA that this company has commited. This company has violated statute 15 USC 1681a ( 2 ) ( B ) of the exclusion section of consumer reports for the account number XXXX To remind this company of this law I have included it here. 

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Let me also remind this company of the definition of " credit card '' that's defined under the Truth in Lending Act 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

I did in fact receive a credit card from this company to obtain money on credit. This company provided me this credit card, I was approved and this company provided me directly an extension of credit that originated from me, the original creditor that's defined under the Truth in Lending Act ( TILA ), which also makes this company a creditor. This information that this company is reporting on my credit profile must be excluded and they must delete their tradeline immediately. 

I have attached a description of the tradeline that should be excluded from my credit profile.
Consumer complaint received 2021-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (AL)

My concerns with Mr. Cooper and their unfair credit reporting processes. 

I paid my account within 30 days XXXX XX/XX/XXXX ) and was reported late. 

Also, I modified my account in XXXX and I was advised once the modification was complete my payment would not be reported late. 
Loan Modifications include loan reporting requirements that result in the mortgage continuing to be reported as current and paid in full, if the requirements of the program are met by the homeowner.

My payment was reported late for 9 consecutive months.
Consumer complaint received 2023-06-27
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. (FL)

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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX  XXXX, Account name : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX XXXX XXXX  XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2021-10-24
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. (CO)

You are reporting inaccurate information on my credit report. You are still reporting the company XXXX XXXX XXXX on my credit report as that show have been removed immediately due to inaccurate information on my consumer report. Having XXXX XXXX XXXX reporting negative on my account is harming my well being and ability to obtain credit. The company signed a cease and desist letter regarding stopping all communication which includes the advertisement on my credit report. I believe XXXX XXXX XXXX should be removed from my consumer credit report. This is not showing maximum accuracy on my credit report.
Consumer complaint received 2021-10-23
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (GA)

In XX/XX/2021, I noticed some fraudulent activity on my CitiBank checking account. I reported the fraud to CitiBank in XX/XX/2021 and they said they would investigate. On the account, there was a negative balance of {$4300.00} that was deposited to another account from a fraudulent check. They told me it would take 30-60 days for the investigation which I let them do. I come to find out that Citibank closed my account without my knowledge and then mailed me information to the address on the account that is fraudulent. I never received a call or an email about anything at all. Again the address on file was changed without my consent or knowledge to an Oklahoma address. Now I have a closed account on my credit check and will have debt collectors after me because Citibank did not do an investigation after I sent them letters in regards to it being a fraud.
Consumer complaint received 2024-01-10
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. (IN)

Experian Credit Agency has refused to update my information with regards to my student loan with XXXX over the past XXXX years. I am in good standing paying my bill through Income Driven Repayment plan and have successfully lowered my balance every year since before Covid nonsense in XXXX.
Consumer complaint received 2023-02-27
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: EdFinancial Services (KY)

I received a letter in XXXX XXXX from XXXX XXXX XXXX who claimed to be a student debt relief party that could forgive and/or consolidate student debt. I called the number on the letter and they explained the student loans get transferred to them into one loan and I pay them going forward. I entered the agreement on XXXX XXXX, XXXX. It was a fee of 2 {$390.00} payments and then {$39.00} every month for 240 months, which I have been paying through ACH transferred with my bank. The document has my personal information and bank account and routing on it. So they have my identity and access to my funds. I caught on because my loans are still provided by EdFinancial and have never been transferred and all these payments I have made for TWO YEARS are NOT in the EdFinacial payment history. The website, phone number, and email on the document is totally fake they dont connect to any domain, service or webpage. I called them at the number theyve been calling me and obviously tried to tell me they are not a scam but they can close my account immediately, which a real student loan provider can not just close your loans immediately. I have lost almost {$1700.00} to this scam.
Consumer complaint received 2021-10-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (GA)

SYNB/XXXX  XXXX or XXXX appears on my credit reports as a " Charge-off '' account. However, the {$670.00} charged-off amount consists of a {$180.00} fraudulent expense along with {$490.00} of late fees. This fraudulent expense appeared on a XXXX account, which I never opened, and for the expense to " XXXX XXXX '', which is XXXX XXXX 's wife from the cartoon. I have disputed this at least once per year. The Synchrony Bank has written off the expense and closed the account that I never open, but the {$670.00} expense appears on my credit reports as a charge-off and unreconciled. As a result, the credit score for each agency is XXXX points less. This has led to me not being able to get the best mortgage rate causing {$100.00} 's more per month.
Consumer complaint received 2021-10-24
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: OneMain Finance Corporation (GA)

I recently received a copy of my credit report. The credit report showed a credit inquiry by company ( s ) that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit. 

I have sent this letter l because I need your prompt response to this issues. Please be so kind as to forward me documentation that youve had the unauthorized inquiry removed. 



Thank you,