davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I realized I was victim of identity theft and a few credit cards were opened in my name from XXXX, in layes of XXXX I paid them due to insisting calls and threatening actions that XXXX said they they were going to take because the accounts were showing on my name. They didnt help me on anything but collecting me and I was misinformed at that time to I paid it off, however they said that after the accounts were paid they could work to get them removed after showing a XXXX balance. 

At the beggining of this year, following my attorney and police advise I contacted the XXXX bureaus and the creditor to ask for the removal of the items due to fraud, XXXX and XXXX removed them items and inquiries found as fraudulent, however EQUIFAX does not want to remove them. 
On XX/XX/XXXX I calle and spoke to a male representative from the fraud department to confirm that have received my documents ( FTC Report, SSN, DL and bank Statement ) and the agent said that XXXX had reached out to them 2 days ago and XXXX had stated that the accounts were fraud and that they were only missing my cover letter and ID to verify its my and remove the item according to the company policy, however EQUIFAX still refuses to remove the XXXX fraudulent accounts from my report after they received what they asked me for ( which I assume is to keep me on the Sub-Prime credit bucket and make more money with my information ). 

Under Section 623 of the Fair Credit Reporting Act ( FCRA ), aiming to correct errors and ensure the accuracy of the credit report, responsibilities of date furnishers of information y o consumer to consumer reporting agencies, EQUIFAX is not purposely promoting fairness and accuracy of information and, I have requested those XXXX accounts to be deleted from my report through several means and, even the other XXXX bureaus acknowledged the situation and removed everything but EQUIFAX refuses to do so. I can see that their job is to make money with inaccurate information and I will take legal actions for this crime with my issue is not resolved within the remaining days that they have on the investigation.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MS)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$16000.00} XXXX XXXX Balance Owed : {$16000.00} XXXX XXXX Balance Owed : {$16000.00}
Consumer complaint received 2022-06-17
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. (CA)

in accordance with the fair credit reporting act i believeXX/XX/XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-11-07
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

In the month of XX/XX/XXXX my employer XXXX was involved in Hurricane Florence. I informed Capital One of this information and they initially agreed to assist me and not report my account as delinquent. I was out of work from XX/XX/2018-XX/XX/2018 and was not able to make any payments toward this account or others. I also was told that I would be alright until I returned to work. 

Capital One negatively reported to the 3 bureaus that I was delinquent in my payments and because of this I was denied a vehicle loan by my bank. Capital One failed to properly investigate this circumstance and would not take any accountability for the inaccurate reporting that took place for month of XX/XX/XXXX, or XX/XX/XXXX. It is not right and the other companies in which I hold cards did not report missing payments. I was told that this could be removed from my reports.
Consumer complaint received 2018-11-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMCOL Systems, Inc. (IN)

Contacted on XXXX to make payment on an account. Accepted payment of $ XXXX and I provided them banking information and they accepted the payment. They called back 10-15 minutes later and said they could not accept that amount anymore and I needed to pay {$17000.00}. Debt collector had told me that by paying the $ XXXX it would be removed from my credit. When I called back and spoke to manager she stated they can't accept the $ XXXX anymore and they would not remove it from my credit. I have 3 letters from them stating to pay the {$12000.00}. Transaction ID XXXX. I asked to speak to someone else higher up and she refused. 

They are extorting clients and making false promises. They created a contract by accepting the {$12000.00} and stating it would take care of it and be removed from credit then once I paid the story changed. This company should not be in business. Unfair, unethical, and illegal practices to extort money out of patients.
Consumer complaint received 2021-06-02
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. (NY)

I sent the credit reporting agencies letters last XX/XX/2021, notifying them that they reported inaccurate and incomplete credit information. I am distressed that they failed to maintain reasonable procedures with their operations to assure maximum possible accuracy in the credit reports they published. It's very clear that they violate the Fair Credit ReportingAct, Section 609 ( a ) ( 1 ) ( A ) and I was so worried that this might affect my credit transactions in the future. I need this issue to be taken care of.
Consumer complaint received 2019-09-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC (NJ)

I reached out by mail and they passed the 30 deadline to reply and they didn't provide any proof of the debt per my first letter. I emailed them and heard nothing back. So I'm reaching out to you to see what can be done.
Consumer complaint received 2019-09-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ideal Collection Services, Inc. (FL)

I dispute this account directly to the credit bureaus. I never receive any documents or validation for the collection agency. The first reported on XXXX2019 with the amount of {$5300.00}. XXXX and XXXX they already deleted because no validation. Still waiting for XXXX decision.
Consumer complaint received 2018-11-07
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. (GA)

I submitted disputes on XX/XX/XXXX with all three credit bureaus to correct the payment history for 13 student loans from the same provider on my credit report. Each loan showed late statuses as of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, for a total of 39 late ( 90-120 days ) on all three credit reports. Each of these loans was in forbearance during these periods, so no payments were due. As part of my dispute I submitted documentation from the loan servicer ( on their letterhead ) showing the periods under which the loans were under forbearance. Upon speaking with XXXX on XX/XX/XXXX, I was informed that the dispute had been completed and the loan servicer denied the document was indeed theirs and refused to further discuss the status with the reporting agency. 

I asked the representative to explain how they validated the debt in accordance with my dispute and was advised that they had no documentation to support listing this item on my credit report or confirming the dates that show as late payments. The representative advised there was nothing they would do to validate the debt or the accuracy of the reporting. This is a violation of the FCRA as they have admitted to being unable to validate items on my credit report.
Consumer complaint received 2018-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (IA)

I have had a XXXX  credit card for years with auto payment for balance in full monthly. This month they decided to all of the sudden charge me a late fee and interest and claim that I've never had auto payment setup. They are trying to ruin my credit score by removing my auto payment in full and in an attempt to earn  additional interest.
Consumer complaint received 2022-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Creditor is attempting to collect on an alleged debt that has past the debt statute of libation for residents of NY which is three years. I have attempted to request validation as per USC 15 1692g and notice of expired debt was sent but this creditor refused to cooperate with any of my requests. This creditor continues to violate my rights as a consumer and needs to take responsibility for their actions.
Consumer complaint received 2018-11-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

I had a foreclosure sale date on my home for XX/XX/2018, however I was under a loan modification review with my servicer, Ocwen Loan Servicing. Ocwen told me they would be able to postpone the sale date because I had not received a response for my Modification review yet. Unfortunately, that was not the case and I guess my home was foreclosed on. On XX/XX/2018 I spoke to Ocwen and they advised me there was a rescission request in process ; I even received an email from the relationship manager at Ocwen, which I have attached stating there was a recission request in process and I had to wait for it to be processed. Once again I had hope and I was in constant contact with the foreclosure attorneys and they also saw the recission request and they advised all I had to do was wait. Then, I received a notice in the mail on XX/XX/2018 from an eviction attorney advising that I needed to be out of the property very soon. I don't know what's going on with my home and I'm not receiving much information from the foreclosure attorneys or from Ocwen. What I don't understand is why they would tell me they would rescind the sell and even send me an email advising it would be done, however they are trying to do the opposite and get me out of my home. I don't know what else to do and so I am turning to you for help.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

Fifth Third Bank seems to sent out different credit card sign up offers based on non-legal discrimination. My spouse and I have similar FICO score ( within 5 points ) above XXXX, live in same household, make similar income, similar amount of open revolving line of credit. We got same mailing for same TRIO credit card mailing with 2 very different sign up bonus : one at {$150.00}, and the other at {$350.00}. The card benefits and terms are exactly the same.
Consumer complaint received 2018-11-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

My original student loan balances were {$38000.00} and {$34000.00} when the loans were consolidated and I began my $ XXXX  monthly payments on XX/XX/XXXX. I continued making the $ XXXX monthly payments as agreed until XX/XX/XXXX, when I filed a Chapter XXXX Plan. The loan servicer told me that I should not make any payments until the Chapter XXXX Plan was completed and discharged. That same advice was confirmed by my bankruptcy counsel. The Chapter XXXX Plan lasted 5 years, during which I repaid the majority of my unsecured debt and continued paying my mortgage and car payments outside the plan. Upon discharge of the Chapter XXXX Plan, Navient advised me that it had capitalized 5 years of unpaid interest, effectively doubling the amount of the unpaid principal balance. 

I am now XXXX years old, unemployed and receiving a {$2000.00} monthly social security benefit, supplemented by a small IRA fund. My wife is XXXX and also unemployed. Neither of us have been able to find employment in our respective fields. 

Navient is demanding payments of {$1100.00} for 120 months, which will result in a total repayment of over {$150000.00}. Navient purposely advised me to stop my payments during the Chapter XXXX Pan so that it could charge me nearly twice what I originally owed on my student loan. I have repeatedly requested a smaller repayment amount from Navient to no avail. My IRA will be depleted before my expected lifetime expires if I am forced to make the demanded repayment amount ( s ).
Consumer complaint received 2022-06-17
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. (LA)

In accordance with Fair Credit Reporting act XXXX XXXX XXXX account number 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 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-06-17
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. (LA)

In accordance with Fair Credit Reporting act XXXX XXXX XXXX account number 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 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-11-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: P.S.C., Inc (WA)

On XX/XX/2017, my XXXX year old daughter had an accident that needs go to emergency room at XXXX XXXX XXXX in XXXX Washington for immediate care. When we were admitted into the emergency room, I provided all information included insurance card, my identification card to the hospital staff. The hospital billed my insurance and I made payment for remaining balance after the claim resolved. A year later, I received a phone call from XXXX XXXX XXXX, phone number XXXX tried to collect a doctor bill that I wasn't awared of. I had to call the hospital and the hospital transfered me to XXXX XXXX XXXX who hired XXXX to handle their billing. I asked XXXX about what bill they are sending me to the collection and why I didn't receive any notification or invoice before my case was sending to collection, according to XXXX, XXXX customer representative, they couldn't get hold of me because they had my mailing address incorrectly. And they sent me to collection and can't not pull it back. Now I have 45 days to resolve the issue otherwise this will hit my credit record. Can you send somebody to collection without their knowledge?
Consumer complaint received 2022-06-17
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. (LA)

In accordance with Fair Credit Reporting act XXXX XXXX XXXX account number 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 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2017-11-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I was charged several " international Fees '' by Bank of America without them telling me about any international fees, they also never asked me if i wanted them to go through. They refused to tell me when i was told of these fees and how i was told of these fees. They asked me if i knew about them and i said " no '' to which they said they will see what they can do and they refunded one of them for {$2.00}. The charges i have gotten and was in question of were as follows. XX/XX/XXXX i was charged {$0.00}, {$1.00}, {$2.00}, {$2.00}, {$2.00}, {$2.00}, {$3.00}, {$11.00}. Then on XX/XX/XXXX i was charged {$0.00}, {$0.00}, {$0.00}. Then i was charged {$0.00} onXX/XX/XXXX I was charged {$0.00}, {$0.00} in fees on XX/XX/XXXX. OnXX/XX/XXXX i was charged {$0.00}, {$0.00}, {$0.00} in fees. On XX/XX/XXXX I was charged {$0.00}, {$0.00}, {$0.00}, {$2.00} on XX/XX/XXXX and the list goes on and on. These charges were all added by Bank of America without my approval or without notice. They never once informed me that there would be any fees let alone this many and this much.
Consumer complaint received 2017-11-08
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: EQUIFAX, INC. (MI)

I just discovered today a hard inquiry from over a year ago. Its origin and relationship to me is dubious and since it is not showing on XXXX XXXX, I am wondering if this could be a security breach on the part of Equifax. I am enclosing a copy of the letter I drafted and sent to Equifax.
Consumer complaint received 2022-06-17
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. (WI)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX account # 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.
Consumer complaint received 2018-11-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am filing a complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. It is way past the 30 day mark and if they can not verify these accounts, under Section 611 ( 5 ) ( A ) of the Fair Credit Reporting Act- they are required to promptly delete all information which can not be verified. Please resolve this issue as soon as possible. Greatly appreciated. Thank You
Consumer complaint received 2018-11-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (CA)

My mortgage company is running me in circles. I have been trying to fix a problem with my escrow IMPOUNDS since XXXX. I have even elevated this to a supervisor named XXXX and it is still not corrected. This is ridiculous!! HELP HELP HELP I filed a complaint on XX/XX/XXXX with CFPB about this problem and it is still not fixed and no one at my mortgage company LOOKS at anything to see that what I am saying and what they are telling me is true. 

They re-ran an escrow statement using the same information that they used previously and the only reason i found out it is the same information is that i asked to see a copy. 
They are impounding me for taxes i paid and theirs are being refunded, even though they told me they are being refunded leading me to believe they are not charging me for the refund, they still are, but the people that work there can't even figure that out and tell me " it is our policy to have you on impounds ''. 

This is the worst service ever.
Consumer complaint received 2022-07-26
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I forwarded a letter to the 3 Credit Bureaus dated XX/XX/2022 to erase this suspicious information. I think you have not validated this account in agreement with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. XXXX XXXX XXXX Balance : {$0.00}