davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-23
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: EQUIFAX, INC. (GA)

I submitted a complaint ( XXXX ) on XX/XX/2019 to Equifax. I received a response 56 days later on XX/XX/2019. Equifax failed to respond within the 30-days outlined in the FCRA ie : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers 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.
Consumer complaint received 2020-06-08
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. (NY)

block fraudulent account from credit report due to identity theft XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX XXXX  {$87.00} XXXX XXXX {$8900.00} XXXX {$9400.00}
Consumer complaint received 2019-02-12
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. (NC)

I seen this company on my credit report XXXX XXXX and I've asked several times for verification and validation of the debt and haven't received anything. I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay them.
Consumer complaint received 2019-02-12
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (WI)

XXXX XXXX keeps calling me and leaving VMs staying that this is an urgent matter and to contact them at a different number than what is coming up on caller ID. Plus they continue to call my wife, brother in law and sister in law leaving the exact same message even using my name. 
I work as a XXXX XXXX XXXX XXXX and can not change my number as I have emergency calls at all hours of the day/nite. These calls come at hours before XXXX most of the time but can come at any hour of the day. 
The thing is, I have not debit with this company. They shouldnt be calling me anyway!
Consumer complaint received 2020-03-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (TX)

I regularly send direct principal payments to my mortgage servicing company, Caliber Home Loans. I have been making additional payments for greater then 20 months. For 17 of 20 months the additional payment has been applied the day of or 1 day after to my account. In both XXXX and XX/XX/XXXX ( and another month in XXXX XXXX the mortgage servicing company has directed the funds to " unapplied funds '' line item ; in practice holding my money and not applying it as directed to the principal of my mortgage in a timely manner ; costing interest. 

I have contacted them on each occasions with different answers from agents on each successive time.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

Experian is reporting fraudulent addresses on my credit report, which are not mine, I have never lived at this addresses. 

These are the addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I have written Experian and asked that they provide me with proof of how the following accounts were verified. I requested proof of the original contracts that I signed with each agency and the statement that I agreed to about how these companies and I would handle late payments and if the accounts were closed what we would do. As of today, I have never received proof of how these alleged accounts were verified accurate and as I never received the original accounts that I signed with these companies. Therefore, I am requesting that these accounts be removed from my credit report as soon as possible. The accounts in question are : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-20
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: WELLS FARGO & COMPANY (MO)

Hi I got an alert on my email regarding the change in my credit report because some of the companies were using my credit report without my concent. XXXX are as follow : - XXXX. XXXX XXXX XXXX XXXX. Wells Fargo
Consumer complaint received 2022-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2020-06-10
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. (CA)

I was made aware of some accounts reflecting negatively on my credit report today XX/XX/20 because I got my credit ran to see if I qualified for a home loan. I had no idea there were accounts in negative standing on my credit because none of those accounts belong to me. I did not open any of those accounts nor did I give anyone permission to open those accounts on my behalf. I did not benefit anything from any of those accounts nor did I ever make any payments towards any of those accounts. I do not have any written or verbal contract with any of those companies nor am I affiliated to them in any way. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these suspicious accounts.
Consumer complaint received 2019-02-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

I have by given the run around concerning my loan and loan for over 25 years. I had two different loans with Sally Mae that were combined and taken over by Navient. On my last phone conversation with Navient, I was told that Mr .??? would call me back by Thursday, XX/XX/2019 to explain why I have two different payment books. One that is {$100.00}. more monthly. The problem occurred when people from two different  departments went back and forth giving me information on how to lower my monthly payments. Both Persons filled out paper work in an attempt to lower my payments. Navient says I have to go with the higher monthly payment because that was the last paper work that was filed. My {$260.00} ... monthly payment is due XX/XX/2019. Basically, I feel that I have been given wrong information throughout the 25 plus years and this has even caused me not to be eligible for their student loan forgiveness or public loan forgiveness program. I have been told that my loans don't qualify because they are federal loan. I'm not even sure when or how this all came about.
Consumer complaint received 2024-02-23
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. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX Account Number : XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-02-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (FL)

Received a judgement against my previous landlord. After factoring the monies paid toward the deposit when i moved into the resident no money was owed. The management company sold the account to a collections agency for {$8500.00} when judge ordered no money was owed. I sent the judgement to the collection agency and they reported the money to the credit collection agent IQ Data, Collection company said they dont care about the judges ruling. I questioned how they even came up with the  figure reported and they refused to send me a detailed statement.
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$84.00} ; XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

ChexSystems Attn : Consumer Relations XXXX XXXX XXXX. XXXX XXXX, XXXX, MN XXXX ( XXXX ) XXXX RE : Account Abuse ; UNPAID in the amount of {$330.00} reported by XXXX  XXXX XXXX on XX/XX/XXXX ( RTN : XXXX # : XXXX ) To Whom It May Concern : This letter is regarding reference number : Above reference ACCOUNT ABUSE/UNPAID ACCOUNT under my name, social security number and Georgia Drivers License Number. This is a formal letter that your claim is disputed. 
This account was PAID IN FULL on XX/XX/XXXX. I have accompanied a copy of that payment to XXXX  XXXX XXXX ; Therefore, I am requesting the immediate removal from your records. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) Section 807. False or misleading representations ( 15 USC 169e ) ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( Including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( Including but not limited to Section 623-b ) Please Note : This is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only and is not a statement, election or waiver of status. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX or XXXX XXXX  XXXX XXXX, GA XXXX SSN : XXXX DL : XXXX GA Page 2 of 2 P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer
Consumer complaint received 2020-06-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (MI)

I have tried to speak to SYNCHRONY BANK to no avail. They are trying to charge late fees of a debt owed that has been in good standing. The Governor of Michigan shut down the State for 90 days, and i tried to talk with Synchrony Bank twice since the COVID-19 and SPOKE TO FOREIGN CALL CENTERS AND WAITED ON HOLD ETC. 

I asked to speak with management today XX/XX/2020 at XXXX and was hung up on after waiting on hold for 15 minutes. The CSR was of XXXX Decent Named XXXX. 

All that said, if these financial institutions think they are going to bully the consumers from Government Shut Downs they are sadly mistaken and if they mess with my CREDIT SCORE there will be more involved then a simple request in XXXX period.
Consumer complaint received 2020-06-10
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: Partners Financial Services Inc (GA)

PARTNERS FINANCIAL/XXXX {$8200.00} There is no contract, no valid claims ... account was settled with original creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Consumer complaint received 2020-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NE)

The credit bureau Experian is reporting a bankruptcy on my credit report. This is inaccurate and is not my account. I have disputed this item several times with the credit report. This inaccurate bankruptcy was removed from my XXXX  credit report.
Consumer complaint received 2019-02-12
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (FL)

I paid off my synchrony bank XXXX account in XX/XX/XXXX but they have not updated reflecting my account balance is {$0.00} and that I cancelled this account. 

Each time I review my account it shows open with a balance as if XX/XX/XXXX. If I was late paying on my account they don't hesitate to make that update. 

I have for 5 weeks trying to get them to show I owe them nothing. 

I spoken to customer service representative and managers to supervisors. 

Clearly admits I don't owe but they have not updated this information when they share with others.
Consumer complaint received 2020-06-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

I received a mortgage statement dated XX/XX/20 requiring a reinstatement fee of {$45000.00} within 10 business day can you supply a breakdown of the 1. - {$7100.00} in escrow please send the breakdown of how you arrived at this figure 2. XXXX in late fees please send the breakdown of how you arrived at this figure 3.  {$8300.00} XXXX in XXXX XXXX XXXX XXXX please send the breakdown of how you arrived at this figure 4. {$5400.00} unapplied funds please send the breakdown of how you arrived at this figure 6. {$890.00} attorney fees please send the breakdown of how you arrived at this figure 7. {$800.00} attorney fees please send the breakdown of how you arrived at this figure 8. {$11.00} property inspection please send the breakdown of how you arrived at this figure In addition i am requesting inclusion in the Emergency Forbearance Plan and my rights covered under the Cares Act and any other plan offered to delay defer fees and payments for 12 months 9. Has any agency including but not limited to Goverment, State , County directed you Bayview or XXXX to proceed with Forbearance or delayment of payments and fees without requiring mortgagees to file documents to get this consideration?
Consumer complaint received 2020-06-10
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. (GA)

XXXX XXXX Reported : XX/XX/2020 {$460.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX {$93.00} XXXX XXXX {$1100.00} XXXX XXXX {$540.00} XXXX/XXXX {$0.00} XXXX XXXX {$0.00} There are no contracts, no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation