davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-27
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. (SC)

I went to apply for an auto loan and was told there was a fraud alert on my Equifax report. Upon checking, I do not have an active alert but I do see where all my accounts have been erased. I am requesting that the missing accounts be added back to my credit profile and my account unlocked.
Consumer complaint received 2023-02-23
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. (MS)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-02-16
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. (MI)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX / Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX 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
Consumer complaint received 2019-09-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION (NY)

This compliant is about the servicer SN Servicing, XXXX XXXX XXXX, XXXX CA XXXX and XXXX XXXX XXXX XXXX, XXXX NY XXXX They have transferred our loan several times over past year, and we were never notified that ownership of loan was transferred until we asked several times. 

They never gave us name, address and telephone number of the owner of the loan, until we asked court referee to get them to provide in XX/XX/XXXX, months after they apparently sold. 

On XX/XX/XXXX XXXX XXXX, debt collector filed Notice of Judgement Foreclosure  sale on our home, on behalf of XXXX, but XXXX had apparently sold our mortgage in XX/XX/XXXX, but we were never notified. 

XXXX XXXX XXXX XXXX, XXXX NY XXXX filed motion in court in XX/XX/XXXX, and were granted a judgement foreclosure sale on our home, and they went ahead with sale date for XX/XX/XXXX, despite the fact they did not own the mortgage and had sold the mortgage and transfer rights, but never advised us. 

We had no way of knowing who to contact of the new owners, as we did not know they had sold it, and we were still attempting to contact XXXX to stop the sale of our home, as we thought they were still the owners It caused huge stress for us between XX/XX/XXXX and XX/XX/XXXX, trying to stop sale of our home, and we did our own Order to Show Cause and stopped the sale of our home by XXXX. 

We later found out that XXXX did not even own the mortgage, and had fraudulently filed a Judgement for Forelosure sale in courts, in XX/XX/XXXX, and then they finally transferred the mortgage on court records from XXXX to XXXX XXXX XXXX XXXX XXXX ON XX/XX/XXXX, a year and half after they apparently actually sold the mortgage again on XX/XX/XXXX to XXXX XXXX., but we were never notified of owner contact details sale etc. they only advised us it has been transferred, when we got a letter on XX/XX/XXXX. 

XXXX tired to sell our home, and filed false papers in court that they owned our mortgage in XX/XX/XXXX, when they had already sold it 6 months prior, but never notified us, and we had not way to contact lender and rectify. 

and new owners XXXX XXXX XXXX run by SN Servicing XXXX XXXX XXXX, XXXX, CA XXXX, have transferred our mortgage twice, and never provided all the supporting details or information that it had been transferred. 

Not once have they ever advised us where the transfers were recorded, or whom we could contact.
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-02-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (AZ)

XX/XX/XXXX : Submitted PSLF application. After months of no response, I was told I needed to consolidate my loans to be transferred to Mohela and submit my PSLF again. 
XX/XX/XXXX : resubmitted form via fax and received confirmation. 
XX/XX/XXXX : Submitted PSLF to meet deadline, no record of previous submissions. 
XX/XX/XXXX received notification that ECFs were processed. XXXX qualifying payments, needed Employer Cerification for months after XXXX. 
XX/XX/XXXX Submitted final Employer verification. The form was cancelled as a duplicate. I called Mohela and was told, it was okay because I have over XXXX qualifying. Called back the next day and was informed that the forms needed to be resubmitted. I resubmitted the forms, XX/XX/XXXX forms show as resubmitted for review. This starts the 90 days again. I am at the same employer from previous verification. 

Concerned the forms are marked as duplicate each time because they are signed by same HR employee.
Consumer complaint received 2020-06-16
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. (MS)

My credit report contains a Chapter XXXX Bankruptcy, which is unlawful according to the FCRA due to the fact that this is not public record. The court at which I filed bankruptcy does not report to the credit bureaus. The bankruptcy court at which I filed sent out a letter XX/XX/XXXX of 2020 stating that they do not report to any of the credit bureaus. The letter is attached to the documents that I provided. I have also attracted an affidavit of dispute
Consumer complaint received 2021-12-16
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. (NC)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2023-10-16
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (FL)

I have tried to get a payment plan set up I can afford and Navient has repeated denied my request and also denied a possible refinance. This has ruined my credit making it more difficult to find additional assistance. 
There has not been any information in detail as to why I am declined any assistance and the calls for collection exceed 10 collection calls per day.
Consumer complaint received 2023-02-01
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)

Experian, XXXX, XXXX, XXXX XXXX, and XXXX XXXX are refusing to remove this inaccurate information from my account. To date as of XX/XX/2023 I have not received any documents providing the requested debt validation items they should have within their files as they've only stated the information they have is correct. How is the information correct, what information do you have within your system, who completed the application, where is the credit card application, send every single file and not a credit card statement. 

Credit Bureaus REMOVE this account.
Consumer complaint received 2016-08-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

Mortgage company Nationstar refuse to send me itemized info about arrears and breakdown of XXXX dollars in coporate advance. They are already charging me extra monies for escrow and can not justify ir explain the corporate advance fees. Trying to reinstate my loan but they are not helping me to do so
Consumer complaint received 2022-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (FL)

XXXX Barclays Essential Reward Mastercard from Barclay Statement period from XXXX card ending XXXX. As soon as I noticed the card missing I reported it missing and also found out a fraud had been committed on XXXX XXXX  as I reported that as well in the XXXX. of XXXX. I spoke to XXXX in the fraud dept. I spoke several times about this to no avail. The credit showed up on my next statement on card ending in XXXX however was not deducted from the bill. It was deducted from the next bill which I never received in the mail nor was it deducted. I asked many times about this error on their part. No one could gin=ve me an answer as I went on line and not only did they never credit the amount but also chaged me a late fee on disputed amount.
Consumer complaint received 2023-02-01
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)

I have contacted Experian via The Experian XXXX XXXX and also via telephone to resolve violations occurring on my credit report I have contacted them and filed disputes at least ( or more times. They refuse to comply. Or provide a proper Investigation under 15 USC 1681. This is grounds for removal of the accounts from my report. I have filed a previous complaint with the CFPB on XX/XX/22 with no avail. Experian took the entire 60 days to provide a final response to the CFPB. When XXXX and XXXX responded within 30 days or less. Not only did they take long they claim to have investigated these accounts i disputed yet these same accounts display multiple pieces of on accurate information on my report. How could you have verified them without confirm all information t these companies are reporting. Also to be noted is how different my Experian report is compared to my XXXX  and XXXX. EXPERIAN IS OPERATING WITHIN ITS OWN RULES. 
Experian has violated my rights on multiple occasions under 15 USC 1681 thus forcing me to again file a complaint with your company Please, this is my last attempt to correct and resolve this issue before I proceeed with legal action against Experian. I have all documentation to prove my case.

Experian, Please delete these accounts You have investigated and reinvestigated multiple times and have not abided by or followed the law My report remains the same!
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I sent the letter out to XXXX, XXXX, and Experian. However, it's been more than 30 days and the credit bureau 's failed to send my investigation back. This is not making sense.

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30- day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2020-06-17
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 (MD)

capital one notified credit bureaus I didn't pay on time, I made my payment on XX/XX/2020, payment wasn't due till XX/XX/2020, credit bureau drop my credit score by 50 points, tried to get it correct but nothing was done, my credit score dropped by 50 points, credit score was around 670 at the time, I want my credit score restored by all three credit bureaus to the correct credit score, before XX/XX/2020.
Consumer complaint received 2023-03-10
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)

I filed a complaint with XXXX XXXX and called the XXXX XXXX. They verified that the account was paid on time for the months in question but claimed that XXXX XXXX has inaccurate information. This is not true because I had a hard inquiry on my report which indicated that the false late payments were indeed stated on my credit report. This letter has been sent, along with my full name and address to XXXX and Equifax. 

Amount of Debt : {$26000.00} Provider of Service : XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly delete all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be completely DELETED. 

The following derogatory accounts allegations are either, untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven compliant to regulatory federal reporting laws and or standards and must be removed immediately. The infractions are as follows : Alleging Creditor and Accounts as is reported as having a late payment my credit report : XXXX XXXX XXXX XXXX Payment History XX/XX/2023 XXXX XXXX XXXX XXXX Payment History XX/XX/2023 I am demanding that this account be updated to Paid as Agreed and Never Late. 

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 Compliance regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail. 

Sincerely,
Consumer complaint received 2022-10-30
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: EQUIFAX, INC. (IN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX DOB : XX/XX/1997 Equifax Customer Services, LLC XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To : XXXX XXXX XXXX XXXX XXXX XXXX & Equifax Customer Services , LLC I recently purchased a copy of my Equifax credit report through the Equifax online , please use this letter as confirmation that I herby Opt-Out and do not wish to resolve disputes with Equifax through XXXX. 
Again, I reject the arbitration clause in the Equifax interactive service agreement. 

Thank you again for you speedy help with to this matter and noting my account. 

Enclosed is a Copy Of Photo ID for proof of my identity and a piece if mail, bill for proof of my address. 

Please kindly reply to in writing to the Affidavit, as I wish to know by mail that Equifax has received my request and that my demand for Arbitration Opt-Out has been processed and honored.

I declare under penalty of perjury that this Arbitration Opt-Out demand to Equifax has been prepared for Presentment to Equifax, by me, XXXX XXXX XXXX
Consumer complaint received 2019-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: JPMORGAN CHASE & CO. (MA)

To whom it may concern : I am trying to get a refinance, on my home, I found out from the loan company ( XXXX XXXX ) that my mortgage co.. Chase has not been reporting payments to credit B. We did a loan mod. about 6-7 yrs ago..My wife has been making payments for about 6-7 yrs. XXXX XXXX also said that my dose'nt even have a score..I feel that something is not right. Thank You XXXX XXXX
Consumer complaint received 2023-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if the account numbers are inaccurate. This ground for removal theyve also violated my rights under 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 Bankruptcy shows different on all XXXX credit reports : Please see screenshots attached XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion : XXXX Accounts Previously Disputed via US Mail XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXX  XXXX XXXX Account # XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX. XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX Also, the Credit Bureaus took more than 30 days to complete my investigation and also update my personal information such as my last name due to getting married, mailing address and employer. Here are the tracking XXXX tracking numbers. XXXX XXXX, XXXX XXXX, Transunion XXXX My name changed from XXXX XXXX XXXX to XXXX XXXX XXXX. Ive attached my marriage license. In my dispute to have the information updated the credit bureaus has yet to update my name and still have my previous last name XXXX XXXX of which my maiden name XXXX was restored by the XXXX XX/XX/2009. XXXX is still showing on my credit report. Lastly my only address should be XXXX XXXX XXXX XXXX, Florida XXXX and not all of the others of which I sent in a written dispute to have my current address updated and all outdated/unknown address removed. Since my dispute the credit bureaus has added 2 additional address and have failed to update my address. Please see the attached screenshots showing proof of delivery of disputes via US Mail.
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

CREDIT DISPUTE LETTER XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, Ohio XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ( Confirmation # XXXX ) XXXX XXXX XXXX, XXXX, GA XXXX Experian, XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX ( File # XXXX ) XXXX XXXX XXXX, XXXX, PA XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX  XXXX, XXXX  XXXX XX/XX/XXXX Re : Disputing wrongful credit reporting on my credit report Reporting debt as closed when it was paid it in full. 


Dear XXXX, Experian, XXXX. 

I am writing to request the investigation and correction of XXXX XXXX XXXX XXXX. 

Account Number : XXXX Vehicle : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX This account was paid in full as of XXXX/XXXX/XXXX The following account is reported as Closed on my credit bureau report XXXX 

This has negatively impacted and affected my credit score which you dropped XXXX point from my credit score, because of your reporting. 



I am writing you to dispute this error of reporting my account with XXXX XXXX XXXX XXXX. 

This account should reflect Paid in full ( Not Closed ) Please reverse the negative XXXX points, and add XXXX points back to my score this account was paid off early NOT CLOSED. 

I have enclosed additional documentation to support my claim, Please note, I am a valued customer of XXXX XXXX XXXX XXXX. 

Review enclosed letter from XXXX XXXX XXXX XXXX stating that my account was PAID IN FULL XX/XX/XXXX. 


Please let me know how long this will take you to reverse this error. 
I thank you for your assistance and look forward to hearing back from you. 

Sincerely, XXXX XXXX CC XXXX XXXX XXXX XXXX