davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-05
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: EQUIFAX, INC. (TX)

In order to follow up on the CFPB complaint I made to the credit bureaus on XX/XX/2022, I am submitting this one. When I checked my credit report, I found that some of the data certain accounts were reporting was inaccurate. The three credit bureaus must verify these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accounts as unverified information without offering any justification within the legally required time range. The following false information in my credit report needs to be looked into and corrected : XXXX XXXX XXXX  Balance Owed : {$24000.00} XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1500.00}. I want the credit bureaus to update these accounts since they are reporting false information.
Consumer complaint received 2020-03-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synovus Bank (FL)

Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that SYNOUSBK/XXXX  absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. [ Consumers should redact information that is unrelated to the dispute with this company. ] Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 
The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.
Consumer complaint received 2020-03-25
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. (NY)

Im a victim of identity theft someone got hold of my XXXX credit card and used it, when I first noticed it I called the company right away and they canceled my account and sent me a new card. And they still wants me to pay for something I didnt use
Consumer complaint received 2020-04-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION (FL)

We have a 30 year fixed rate non conforming conventional 1st mortgage from XX/XX/2016. At the time we bought the house and took the loan, we knew that we wanted to recast the mortgage in a few years. Our loan was initially with Everbank and the mortgage broker, XXXX XXXX, specifically told us that we were allowed a one time recast, which would reset our monthly payment obligations, if and when we made a large principle payment. About 1 1/2 years into our mortgage, we were notified that TIAA was now the new servicer of our loan. About a month ago I contacted TIAA to find out what I needed to do to recast the loan as we want to pay of 2/3of the principle now. I was told that TIAA would need to get approval from the owner of our loan. I had no idea even that TIAA was not the owner of the loan. In any case, we received a letter that our request was denied by our lender, but I could not even get a clear answer of which bank or who owns the loan. And I couldnt find out why we were denied. Now with Covid. And our income greatly reduced it is even more important to get our monthly obligations as low as possible. After speaking to several different banks, that supposedly own our loan according to TIAA, ( XXXX XXXX and XXXX XXXX XXXX XXXX Branch ), howeverbothof them report that they do not own the loan! So it is completely unclear who TIAA even sent the request to recast our loan and it is unclear why we would not be allowed to. You would think in this time of Corona and people scrambling for assistance with paying the mortgages, that the bank and services would be thrilled to get at least a guaranteed payment of something! 

I have made multiple calls or emails to TIAA, XXXX XXXX and XXXX XXXX. Everyone has been anxious to help, but I still have no answers to who owns the loan and why the rules have changed and I am no longer able to recast.
Consumer complaint received 2020-03-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

This mortgage company PHH is charging a fee of XXXX that I dont know what is about. I know I tried to do a modification with a company name Owen but they sold my account to PHH. The modi never was approved they just love to take money and charge fee from customers like me
Consumer complaint received 2020-04-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc. (OH)

I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : CHOICE RECOVERY # XXXX, CHOICE RECOVERY # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX  XXXX # XXXX, XXXX  XXXX XXXX  XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX # XXXX, XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX.
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMSTHAT I WANTED TO REMOVED! XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX : {$850.00} ; XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$2400.00} ; XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX : {$360.00} ; XXXX XXXX XXXX XXXX Date XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX : {$0.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX : {$1100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$210.00} ; XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2020-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I was told by my bank lender that I was not approved for a personal loan I have applied for because of many derogatory items on my credit report. I then decided I would pull my credit to myself to take a look at what he was talking about and I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report. These accounts do not belong to me. My social security number has been used from someone else. 

XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX {$11000.00}
Consumer complaint received 2020-04-03
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA (TX)

Due to the impact of the COVID-19 virus situation, I called two companies, XXXX XXXX and American Education Services today ( XX/XX/2020 ) to seek forbearance for three months on my student loans payments. The service representatives, in each case, told me that the forbearance will be decided upon later and they will let me know the status but the interests on the loans will continue to accrue during the period of forbearance in case they are even approved. 

I feel that these two companies are heartless ones who don't have the needs of the American citizens at heart but are only interested in their profits no matter what is going within the lives of the citizenry and should be called to order asap.
Consumer complaint received 2020-03-25
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (CO)

Freedom mortgage is purposely throwing out 3rd party authorizations to receive payoffs, causing interest rates locks to expire costing customers money, and time, as well as paying extension fees, and in todays environment those interest rates can no longer be locked, and the borrower is stuck with higher rates simply because Freedom Mortgage refuses to honor payoff requests. 
Anecdotally speaking I spoke with one of our customers and she said as soon as Freedom heard about the refinance, they started calling her non-stop to refinance with them. Today XX/XX/20 I've been placed on hold for 68 minutes only to be told they never received the request. and blaming the virus, in XXXX they couldn't find the request, and then suddenly they found it after numerous calls to them, but today I asked a supervisor at Freedom what the reason was in XXXX, and he stated it was the interest rates were low, and they were understaffed.,
Consumer complaint received 2020-03-25
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: TRANSWORLD SYSTEMS INC (GA)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investiagtion results.
Consumer complaint received 2020-04-03
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. (FL)

According to the FCRA the credit bureaus supposed to report 100 % accurate and verified information on consumers credit reports. XXXX  removed this item XXXX XXXX XXXX XXXXXXXX off my credit report but Experian and XXXX  kept it. I demand that they provide a METHOD OF VERIFICATION or DELETE it off my credit report immediately.
Consumer complaint received 2022-11-05
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: EQUIFAX, INC. (NY)

I have tried to get both Equifax and XXXX to update my current address as well remove out dated debt that was involved in identity theft of my report. Some of these items have been canceled via 1099C which I have provided and explained to the reporting agencies. They are reporting these debts monthly that have been canceled and I am.not sure what they are validating when I place the dispute to have this information corrected and or removed. As well I reside in XXXX.and they have not updated my credit report address and refuse to remove addresses over 10 years old off my report. 
Equifax also has my account in XXXX XXXX  never can validate my information as a US citizen. 
I have attached my information so they can't say they don't recognize me. License and last four of social.
Consumer complaint received 2020-04-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2019, I opened a checking account with Wells Fargo. As a condition of opening this account, I was eligible to receive a {$400.00} bonus if I received {$3000.00} in direct deposits for three consecutive months. On XX/XX/2019 I called Wells Fargo to verify that I was would receive the said bonus, the representative informed me that I would receive it if I meet the terms. I reached that objective, and called Wells Fargo on XXXX XXXX to inquire about when I would receive the {$400.00} bonus. The customer service rep I spoke to said he did not know what bonus I was referring to. I escalated the situation to the customer service department, they informed me that they do see where I spoke to a representative on XX/XX/2019 but do not see a record of a bonus. Wells Fargo informed me that they will open an investigation, they are giving me the run around about the bonus, and are not meeting their end of the deal/ online advertisement.
Consumer complaint received 2020-04-03
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)

I am trying to re finance my loan and XXXX XXXX XXXX said he is having difficulty in pulling my credit report and asked me have I frozen my credit and I said I haven't done anything on my credit file. So Lender asked me to get in touch with Experian and find out what is the problem so I called customer support and found out that some company has placed some kind of file in my account and that's needs to be sorted out or straightened out. 
Experian support person will not tell me anything more then that. 
To resolve the issue they wanted to identify me and said I need to answer some questions to identify my self, I said sure go ahead and ask me questions. First few questions I could answer them clearly but one questions pertain to 10 years ago which credit card did I closed, 10 years ago? I didn't remember which card was closed so he said he can not help me out. Since matter was urgent as my application had to be processed by lender I requested him the problem created is by some company you sort it out and remove that problem so lender can access my file. I do not want any information, my lender should get the info he needs. 
But Mr XXXX was very rude and refuse to help me, He did not allow to talk to a supervisor I requested him several time but he denied every time. Avoid negative remarks on survey at the end of call he just transferred me into system again so I can not attend the survey. 
I need answer for such negligence and rude behavior of Mr XXXX.
Consumer complaint received 2020-04-03
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Recoveries, Inc. (CO)

Zero contact was made after the debt was supposedly resolved, I only found out when checking credit score. The amount at the time of the credit check in XXXX of 2020 was XXXX ( roughly ) which increased to XXXX ( roughly ) at the beginning of XX/XX/2020. 
I had sent a letter out from my attorney beginning of XX/XX/2020 and no response was received by me or my attorney.
Consumer complaint received 2020-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

A 30-day late fee was place on my credit report with Capital One. They stated that they did not receive sufficient funds from my bank XXXX XXXX XXXX XXXX XX/XX/2019. My bank has sent a letter to them disputing this and informing them that sufficient funds were available during the time they attempt to collect the payment. Capital one will not resolve this and remove the negative mark on my credit or correct it.
Consumer complaint received 2019-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I have 2 accounts on my credit report that I am trying to get deleted. I have sent letters to the collection agency asking for written validation and verification that this debt is mine. They have not responded. I have also sent letters to XXXX and Equifax asking them to remove these unverified accounts from my report. They have not deleted them. Section 609 and Section 611 of the FCRA states that I have the right to request that all information that can not be verified be promptly deleted. The collection agency and the two Credit reporting agencies are in violation of my civil rights and Federal Law. I am now filing complaints with the CFPB to resolve this matter.
Consumer complaint received 2020-01-14
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. (UT)

The credit bureaus, XXXX, Experian , & XXXX  is reporting an old Bankruptcy on my credit file that is extremely old and over the FCRA Reporting limit, this is erroneous that they are still reporting and it needs to be removed off of my credit file.
Consumer complaint received 2024-02-25
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. (MD)

To Whom It May Concern : I am writing to address discrepancies found in my recent credit report, which I received and reviewed. Upon careful examination, I discovered inaccuracies within certain accounts listed on my consumer report. It appears that this agency is in violation of 15 USC 15 USC 1681i. 
In response to my dispute regarding the account XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX, your agency claimed validation of inaccurate information. However, I wish to formally dispute the accuracy of this account. The information furnished regarding this account on my consumer report is, in fact, inaccurate. 
According to 15 USC 1681i ( 5 ) regarding the treatment of inaccurate or unverifiable information, if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
The reporting of these account ( s ) constitutes violations of 15 USC 1681e ( b ), which mandates accuracy of reports. The agency is required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. How can inaccurate information be verified? It appears that METRO2 Compliance procedures and reporting format have been violated. 
I hereby request the immediate deletion of this account from my consumer reports. 
Enclosed, please find a copy of my identification and a recent utility bill for verification purposes. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-12-28
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. (PA)

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 XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX 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 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 2020-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I have live here for ove 10  years.The following addresses are not mine please delete/remove : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX # XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX  XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX
Consumer complaint received 2020-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have Several Inaccurate information on all three of my credit reports. I have hads fraud Alerts, Security Freeze, and Credit monitoring etc .... I have Public record reported Status of Bankruptcy XXXX and XXXX there all different and I have 17 negative reported late and now a REPOSSESSION. I have never ever been late with any of these creditors. I have taken every precaution to protect my credit and to have third parties reporting inaccurate information as Verified Accurate is against my rights and has caused me a great amount of stress effecting my health. I will submit all documents in regards to have these inaccuracies removed for Permanent to all three bureaus.