davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I lodged a complaint with these Bureaus a XXXX  ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2022-12-16
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. (IL)

I several fraudulent accounts on my report that I disputed as such and wasn't removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2019-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX # XXXX is reporting an account that is not mine. I have never heard of this and have no idea what this is. I never received anything for it and I am very sure it is not mine.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WA)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S.Code 1681ie ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) 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. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-16
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. (FL)

XXXX {$8200.00} as owed on XX/XX/21 on my credit report explain the constant change on my credit report. now in express of XXXX it was changed to {$21000.00} and then changed again. This company and credit bureaus need to be investigated.
Consumer complaint received 2022-03-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NC)

Equifax and XXXX XXXX have continued collection activity despite not properly obtaining and mailing debt verification after a I've exercised my 1692g rights. Section 809 ( b ) of the FDCPA requires a debt collector, upon receipt of a written debt validation requests from a consumer, to cease collection of debt until the collection agency obtains verification of debt and mails it to the consumer. They have also been advised they are in violation of the Notice of Proposed Procedures for Charitable Hospitals to Correct and Disclose Failures to Meet Section 501 ( r ) of the Affordable Care Act. Furthermore, I have never signed a Hippa release form with the below alleged creditors. Therefore these are inaccurate Hippa violations and I want them deleted immediately. Hippa laws protect my personal medical information from being used without my personal consent and you are now aware of these Hippa violations delete immediately. Account Name Account Number Balance Monthly Payment XXXX XXXX Reported : XXXX XXXX, XXXX {$430.00} Balance {$430.00} Highest Balance {$430.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mo ) Account status Open Type Unpaid Responsibility Individual Account. 
Remarks Medical Original Creditor Name XXXX XXXXXXXX XXXX  Closed No Info Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by PURCHASE or ASSIGNMENT, and authorization under subtitle D of the ARRA, SEC, 13401. APPLICATIONOF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. 
The term " breach of security '' means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual.
Consumer complaint received 2022-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX  Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

By obtaining my Transunion consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ) I have not initiated any transaction with XXXX XXXX XXXX. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX XXXX  for review or collection. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.
Consumer complaint received 2022-03-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL (GA)

On XX/XX/XXXX I received XXXX letters in the mail from a law firm by the name of XXXX XXXX XXXX. This is the first time for me to receive notice of SUMMONS OF CONTINUING GARNISMENT. Case noXXXX Civil Action file noXXXX XXXX XXXX is constantly filling lawsuits against me since the beginning of the Pandemic. Since my devoice in early XXXX, I have been struggling to pay off old past debts. The Pandemic started in XXXX and caused me to go under in debt even more. The account was under collection along with other accounts all under one collection company ( XXXX XXXX XXXX ). For each collection account they have on me, they are suing me. I can not breath for having to try to make court and try to negotiate, and now they want to garnish my only means of income, when I am still trying to recover from sick leave and unemployment benefits when Covid was at a all time high. I am currently working now but yet being targeted by the fear of loosing my job, because of garnishment.
Consumer complaint received 2024-03-11
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: EQUIFAX, INC. (LA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2022-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

TransUnion is reporting closed account XXXX XXXX XXXX XXXX XXXX as closed XX/XX/XXXX yet also report a payment amount of $ XXXX  monthly with terms of 46 months. This is a violation of FCRA, consumer laws and XXXX. Because this account has so many errors I also questioned the past due amount, balance and pay status. TransUnion responded they had received certification from the creditor and the account would not be removed or updated. When I called the creditor on XX/XX/XXXX I was informed there is no such account in their records at all. I was told I do not have an account with them currently and I do not owe them monthly payments of any amount.
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MD)

I had previously filed a complaint against Equifax with an attached Equifax Annual Credit Report. In that report it is not showing the actual payment amounts for each month. 

I was not able to get an Annual Credit Report from Equifax and had opened many complaints everywhere asking to be able to access my Equifax Annual Credit Report, and this was the case for nearly two years, to suddenly about two months ago I was again allowed access. 

I find that after using the Equifax credit report in a CFPB complaint to point out incorrect and missing payment history, that soon after the Equifax Annual Credit Report is now not showing any actual payment amounts made to the creditors. That whole section of the reports are no longer shown in the most recent Annual Credit Report, when it is THE report that's used to see the actual payments made.
Consumer complaint received 2021-08-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Students Come First (NJ)

I called XXXX to find out about the status of my loan and what to expect for repayment. The representative asked me if I was interested in forgiveness. I pre qualified so said yes. They connected me to a third party but did not inform me they were not affiliated with the federal government. The third party did not inform me they were not connected to the federal government. The company is Students Come First. I did sign the paperwork for forgiveness, but once again I thought this was coming through the Federal Government. 

They do not answer their phone calls. Im trying to get a response using email. 


I need to stop the transfer of this loan.
Consumer complaint received 2022-03-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

There is a collection reported on my account, and I was made aware of that on XXXX of XX/XX/2022. I called Equifax on XXXX XX/XX/2022 to file a dispute which Equifax confirmed that they filed a dispute, and when I called them back on XX/XX/2022 to know the status of the dispute, to my surprise they confirmed that there was no dispute made on my name. But, when I asked Equifax to check for the call notes, they checked and confirmed that Dispute was made but due to technical reasons it did not go through. 

Since XX/XX/2022, I called Equifax multiple times to get my issue resolved, basically to get my collection of XXXX $ removed from the record as it was paid off and also the collection agency confirmed that by sharing the collection removal letter. 

One of the equifax agents told that they would expedite the request, but the status never changed. Also, Equifax doesn't give an option to me for submitting the collection removal letter online. 

As per FCRA, the issue needs to be fixed within 30 days, but Equifax did not resolve the dispute within XXXX, and also claims that I raised a dispute on XX/XX/XXXX. Please have Equifax share the call notes where the dispute information is logged on XX/XX/XXXX ( multiple calls ). 

Due to this problem, I am unable to get mortgage and got it in contract. Now, the buyer is saying he would sue for the damages if I can't fulfill the contract. I have done my part by called Equifax on XX/XX/XXXX to fix the problem, but because of their poor customer service, the dispute did not go through and now I am facing the lawsuit, and would lose XXXX $ plus legal costs. 

The lender wants me to get this removed, and then he would provide necessary loan which I would like to take and fulfill the contract. 

Also, Equifax is not ready to share any information related to the Call notes with me via email for evidence.
Consumer complaint received 2022-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CA)

I applied for a chase sapphire credit card which advertises XXXX points if you spend {$4000.00} in the first 3 months. I received the credit card on XX/XX/2021 and from the XXXX XXXX it showed me that I was spending > {$4000.00} during the 3 month period. However, I didn't receive the credit card awards and when I called to chase, they told me that they have all the fine print such as fees, open date that were not obvious in the offer and told me that I am XXXX dollars short from getting the promotional points. I called twice and their altitude is " don't care '' and didn't bother to see what I see in the chase app about spending summary. Their altitude is horrible and not empathetic at all. I am going to move all my business away from Chase.
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (CA)

XXXX/XXXX  XXXX  1 late payment
$XXXX  Balance updatedXX/XX/XXXXXX/XX/XXXX
Account number
XXXX  Account status
Open
Date opened
XX/XX/XXXX
 XXXX  XXXX  XXXX
XXXX, OH XXXX
Consumer complaint received 2022-03-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MO)

Naviet keeps sending notices that my loans are due and increase interest throughout the pandemic loans have been waived and i am already in a income drive payment plan and they keep saying i have payments when they are included and i sent them documentation
Consumer complaint received 2024-03-11
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. (CA)

XXXX XXXX ( XXXX XXXX XXXX ) has been paid in full on my account XXXX as of XX/XX/24. I disputed the charge with XXXX, and XXXX is reporting as of XX/XX/24 that my balance owed is {$3800.00} when, in fact, my balance on this account is XXXX dollars.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I have requested Mutiple times for credit report to be corrected. The companies are submitting their report filings to either delete or update a trade line and Equifax and XXXX does not comply. All three reporting agencies report different and is not correct. 

Accts where I have resolved by paying off is not updated on Equifax or XXXX. 


XXXX XXXX- Resolved and reflect & {$0.00} balance on XXXX but not Equifax or XXXX . 
XXXX XXXX- Received a letter from the creditor that is deleted from tradeline. 

There are accounts that reflects that have not been reported since XX/XX/2023 XXXX XXXX- reflect incorrect balance reported on XXXX and Equifax
Consumer complaint received 2022-03-16
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Mr. Cooper Group Inc. (TX)

Mr. Cooper Mortgage, Loan Number XXXX We are in the process of a load modification and we were asked not to pay until we get a new bill with the refinanced amount as part of our agreement. The company has not been able to reflect this agreement in the system, and they called my husband 's place of employment 3 times the week of XX/XX/XXXX to collect on a balance that was not owed. I called Mr. Cooper on XXXX and XX/XX/11 and provided my phone number and advised not to call work. 
Mr Cooper called my hsuband 's place of employment again on XXXX and left a message on XXXX specifying the balance past due and sensitive information for my husband 's place of employment to hear on the main line on speaker. 
The recorded message where Mr. Cooper left a message clearly states that it was a business by the name of XXXX XXXX of XXXX that they were contacting and it was a general line. Mr Cooper proceeded to leave a message and at this point it is harassment and a very embarrassing position to be in. 
This is against FTC laws. Please help us with getting this terrible practice removed from this firms ways of working. 

Regards XXXX XXXX XXXX
Consumer complaint received 2022-03-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TN)

My mortgage servicer sent me the final modification agreement with the trial payment note and other documents. These documents were signed, notarized and XXXX back to PHH. The required trial payment was also made. I called my mortgage servicer customer service dept to verify they received the documents. I was told by XXXX ID # PDE there was an FHA Covid 19 that was better than the modification we had. 
He also told me they had canceled the modification I had and was working on another modification. I received by mail a denial for my previous modification that we returned to our servicer. Today XX/XX/2022 I was told I was denied, and it was to late for the modification. PHH has canceled my modification, PHH has bad servicing practices and I feel they are trying to set me up for a foreclosure on home. I have done what I needed to do to get my mortgage back on track but the servicer is giving incorrect information and not keeping up with my documents
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

TransUnion is reporting account XXXX XXXX XXXX XXXX, XXXX as paid, 30 days late. However, there's no possible way. Account opened XX/XX/XXXX and current. Current XX/XX/XXXX, closed XX/XX/XXXX. That is NOT 30 days, nor was I ever late on this account.
Consumer complaint received 2022-03-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Comerica (MI)

I am maintaining checking account with Comerica Bank jointly with my wife. I have sufficient balance amount in my account as required by the bank. I am also having one account jointly with my daughter in XXXX with her name as first name and mine as joint holder. My daughter is not operating her account and not keeping the sufficient balance as required by bank. On XX/XX/2022 the bank debited {$46.00} from my account and transferred to my daughter 's account being negative balance for not keeping proper balance. Instead of closing her account or contacting her the bank started debiting {$11.00} for every month. This debit balance is being charged for the last 5 months. This does not make any sense to penalize me for the low balance in my daughter 's account. By doing this the bank is treating me as a defaulter. I request to intervene in the matter.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to dispute unauthorizedaccounts on my credit report. I did not initiate these accounts, and I strongly suspect them to be the result of identity theft. I kindly request that you thoroughly investigate these accounts and promptly remove them from my credit report.
Consumer complaint received 2021-09-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (CO)

I received a letter dated XX/XX/2021 stating I owe {$840.00} to Convergent Outsourcing for an account withheld per instruction, convergent account withheld per instruction. I disputed the debt and requested verification and validation of the debt. I did not receive either. I did not mail certified so that was my mistake. This letter was mailed on XX/XX/2021. 

I then received a letter dated XX/XX/2021 stating I owe {$3600.00} to Convergent Outsourcing for an account withheld per instruction, convergent account withheld per instruction. I disputed the debt again and requested verification and validation of the debt. I did not receive either. This was mailed certified and it was received by Convergent Outsourcing on XX/XX/2021. 

Today, XX/XX/2021, I have received another debt collection letter dated XX/XX/2021 stating I owe {$3600.00} to Receivables XXXX XXXX for account withheld per instruction, Reference withheld per instruction. I will again be disputing and requesting verification and validation of the debt, but this is now the third contact and each time I have disputed and requested verification and validation and I have not received it. This is not my debt. I do not have any accounts with this creditor ( supposedly XXXX ) and the threats of judgment against me after I have complied with the requirements to dispute and request validation and verification of the debt need to stop. It costs roughly {$5.00} to mail certified and I should have received the validation and verification as requested in both my first two letters. Please help me resolve this and not have to continue sending certified letters to dispute for a debt that is not mine. Thank you.