davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-15
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (CA)

RE : XXXX Loan -- -originated through XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) Now : Fay Servicing XXXX for XXXX XXXX ) XXXX XXXX XXXX, XXXX XXXX Tn XXXX ( for mailed payments ) XXXX XXXX XXXX, XXXX XXXX Illinois XXXX XXXX ( for automatic pymts -- -but never was able to get them to recognize the loan number ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Illinois, XXXX ( escrow/impound account ) XXXX XXXX Fay Servicing has changed their website that required me to re-register... which I have done. Now, sometimes it recognizes my login and sometimes it doesn't. There is no option indicated for making a payment or setting up automatic payments. When my mortage was transferred to Fay Servicing ( several years ago ) I was never able to successfully set up automatic payments from my credit union. It kept replying that my loan number was not recognized. Not even the customer service rep at Fay Servicing was ever able to figure out why it wouldn't recognize the loan number. Ever since then I've been going online to make my payment each month. Now I can't even to that and it is impossible now to get a live customer service agent. I'm very concerned about how I'm going to be able to make a payment on XXXX XXXX, XXXX. I have tried mailing my payment in the past, but the payment was late by the time they finally processed it. I don't want to be paranoid but, because making a payment is so extremely difficult, I'm beginning to wonder if they'd prefer I default, or maybe they want to force me to refinance my loan (?? ). I've received and annoying number of phone calls from XXXX XXXX about refinancing my loan. Please help me set up automatic payments from my credit union. 

Thank you so much for your help.
Consumer complaint received 2019-04-02
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. (AL)

My information was used to create accounts or obtain services that I never requested or recieved, these debts are medical in nature and are therefore violations of the HIPPA making me seem unhealthy or sickly unwarranted I decline the requests to do business with the collection companies on my credit reports at XXXX, XXXX, Trans Union and XXXX have them to delete these illegal accounts which are violations of the FCRA and FDCA.
Consumer complaint received 2022-03-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: VALLEY NATIONAL BANCORP (NY)

I am writing you to inform you of my current situation with Valley National Bank. From the attached, you can see that I have notified the correct personnel about the strong possibility of criminal activity, mortgage and mail fraud, but no acknowledgment of the issue has been given after many requests from me to bank employees from around XX/XX/2018 to date. Illegal actions by all who are referred to may include violations of the 4th and 15th amendments of the United States Constitution, FCRA, XXXX, FDCPA and many more United States rules and regulations. Its seems this has been handled as a normal mortgage situation when it is not. 

The first employee that was made aware of the issue was XXXX XXXX, the mortgage consultant who had been working with me from the time of procurement of my property. He mentioned that he would help and would see what he could do to cancel the mortgage, but stopped answering my emails and calls. Due to this, this situation has progressed into what is attached here. The communication presented here is not exhaustive of all between myself and related personnel. 

I'm requesting that you investigate this mortgage process under loan number # { redacted } to confirm any out of compliance/unreasonable actions by all employees who handled my loan in anyway and have this mortgage debt removed from my credit file/property to avoid any unreasonable actions and distress by the bank toward myself and property due to this possible fraud. 

Please see the below correspondence between myself and Valley National Bank staff in handling of this mortgage. Note, my property has never gone uninsured, but due to the negligence of the referred representatives, I was not aware of any inquiry to send proof of insurance. Most if not all violations I suspect have compounded all fraud I've experienced since viewing the property in 2018. I've come to realize my personal information has been exposed multiple times. To reach me, please email me as this is the best way. 

Employees on Attached Correspondence 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 Collections ) XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( Mortagage Dept. ) - Left no contact information Others involved in Mortgage of Property in XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX XXXX, XXXX Phone # XXXX
Consumer complaint received 2022-03-28
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: EQUIFAX, INC. (AR)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-08-27
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: FIRST NATIONAL BANK OF OMAHA (WI)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-12-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp. (MN)

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company {$4000.00}.
Consumer complaint received 2021-12-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I reported to Chase Bank that I was defrauded by an organization for an amount of moneynand asked them to stop or reverse charges. They inssist that they are unable to. I believe that my account included fraud protection in the language of our agreement.
Consumer complaint received 2016-01-13
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: NCC Business Services, Inc. (NE)

While trying to get the Balance, Address and Phone number so that I can supply information to the collection agency servicing my XXXX smartconnect account, I was given a new number with every contact ( XXXX different numbers ). Each contact either refused to give or stated they did not have the information to give. When I finally got the collection agency 's name and number ( NCC Business Services XXXX XXXX ) their automated system discloses before verification that this is a debt they are trying to collect. When an agent answered the call she stated that she would be unable to help me because the case was in another office.
Consumer complaint received 2021-12-15
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. (IN)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-05-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION (CT)

I have 6 accounts that were previously under Simple Bank that were depleted of funds in order to close prior to transition to BBVA. Due to delays with transfers, we were required to close the accounts with BBVA instead of Simple. The transition took place XX/XX/XXXX, and since that date I and the joint account holder have tried repeatedly to call BBVA during available customer service hours to speak with a representative about closing the account. I tried 2 times the first day ; both times I received a recording that said their system was down, and I was hung up on. The following days, I was able to make it through the initial automated system only to be hung up on every time I was sent to a representative. This morning I attempted to call 4 times with the same result. Ive attempted to find any other way to contact them to discuss this matter to no avail.
Consumer complaint received 2022-03-28
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

On XX/XX/XXXX of XXXX Portfolio Recovery Associates , LLC contacted me via telephone and offered a Settlement Agreement at witch point I agreed with the understanding that the company would mail me a stipulation letter to sign and return to avoid going to court. I have been making monthly payments since XX/XX/XXXX. XXXX XXXX emailed me on XX/XX/XXXX with a letter of confirmation that states I have 24 payments of {$71.00}. After the first two payments I called to inquire about the stipulation letter. On XX/XX/XXXX of XXXX I received a order to appear before the judge in XXXX XXXX Texas on XX/XX/XXXX. I have made numerous phone calls since the court summons was mailed to me more currently in the past two weeks I have called Portfolio Recovery requesting the stipulation letter, a supervisor by the name of XXXX finally agreed to email it to me on XX/XX/XXXX and I sent via USPS the signed stipulation letter back to them where it was signed for on the XXXX. 

I believe they are in direct violation of the Fair Debts Collection Practices Act and are giving me the run around instead of holding up there end of the contact for settlement.
Consumer complaint received 2019-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Sadly the pathetic nature of two organizations Experian who has now locked me out, continues to report balances incorrectly and has lowered my score even when I have paid down significant data! It seems this is a deliberate attempt by them to destroy my ability to gain financing. As for the CFPB another facade! You can not fix a simple auto fill. You evidently have staff who do NOT comprehend XXXX and you basically receive the complaint and immediately pass it along without reading it - then again maybe you just can't understand? What a pathetic nightmare.
Consumer complaint received 2021-08-27
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)

i had a account with XXXX  XXXX  from XX/XX/XXXX. i paid the debt off but instead of it reporting as debt paid and closed it is wrongfully reporting as collection/chargeoff this debt was paid two years ago. i spoke to a XXXX rep on XX/XX/21, they assured me a manager was going to call and it is XXXX  & experian  who refuses to put correct status on the report this effected me horrible and drop my score over 200 points and i can not receive my fha loan for my house. i am a father of XXXX  living a middle class life. i need my credit to reflect correctly, i owe no one and this was not reporting on my XXXX  at all, i would like this to be deleted off my XXXX  & experian  asap so i can purchase my family the home they deserve its irresponsible & unfair. I sent a demand to comply & method of verification 2 weeks ago because i havent had any communication.
Consumer complaint received 2019-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

I would like to request a security freeze placed on my XXXX XXXX XXXX. I choose to opt-out of your disclosing future information until further notice including the and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX I am XXXX XXXX XXXX XXXX. I currently live at XXXX XXXX XXXX XXXX OH XXXX. 
the following addresses are not mine : XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following number are not mine please delete remove : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2021-12-15
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. (TX)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I did not apply to these companies below XXXX - XX/XX/XXXX XXXX XXXX XXXX -Inquiry , XX/XX/XXXX XXXX -Inquiry, XX/XX/XXXX XXXX -Inquiry, XX/XX/XXXX XXXX XXXX XXXX XXXX -Inquiry Equifax XX/XX/XXXX & XXXX XXXX XXXX -Inquiry XX/XX/XXXX XXXX XXXX  XXXX -Inquiry XX/XX/XXXX XXXX XXXX XXXX -Inquiry XXXX XXXX XX/XX/XXXX & XX/XX/year> - XXXX XXXX -Inquiry
Consumer complaint received 2021-12-15
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. (MO)

On XX/XX/2021 and XX/XX/2021 I sent a letter to Experian asking how they verified the bankruptcy on my report no response. On XX/XX/2021 got a letter from Experian saying they would not reinvestigate unless I sent in additional relevant information. On XX/XX/2021 I sent a letter saying if you verified it with XXXX I dont see how because I attached a letter from XXXX XXXX XX/XX/2021 showing bankruptcy XXXX was removed from my report. On XX/XX/2021 I sent another letter requesting Experian to remove the bankruptcy with the attached letter from XXXX. This bankruptcy has been disputed XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 and XX/XX/2021. Experian keeps coming back saying it was verified with XXXX every time it has been disputed. I have got it removed from XXXX and working on XXXX. Experian now wants a full copy of the report showing that its not on my XXXX report which is at least XXXX pages long. I was told by XXXX that once it is removed they have no way of showing it on there then be removed.
Consumer complaint received 2022-03-28
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. (WI)

I was incarcerated for fifteen years and got out and seen someone had lived under my name while I was gone, I reported fraud and identity theft at that time then went to a lawyer because no one would fix the problem, and the lawyer I called advised me to file bankruptcy and that would get these fraudulent items off my credit report but the lawyer was giving me false information just to get me to pay him XXXX XXXX dollars and lied to me because none of the fraud accounts have been removed off my credit report, Ive been fighting this for years and no one seems to care about the facts that I was in federal custody till 2018 and all the accounts were open many years before that year.
Consumer complaint received 2022-03-28
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. (WI)

I was incarcerated for fifteen years and got out and seen someone had lived under my name while I was gone, I reported fraud and identity theft at that time then went to a lawyer because no one would fix the problem, and the lawyer I called advised me to file bankruptcy and that would get these fraudulent items off my credit report but the lawyer was giving me false information just to get me to pay him XXXX XXXX dollars and lied to me because none of the fraud accounts have been removed off my credit report, Ive been fighting this for years and no one seems to care about the facts that I was in federal custody till 2018 and all the accounts were open many years before that year.
Consumer complaint received 2024-02-15
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. (IL)

According with the FAIR CREDIT Reporting act. XXXX XXXX XXXX account number XXXX, XXXX XXXX  account number XXXX, and XXXX XXXX XXXX. Has violated my rights. 

15 U.S.C.1681 SECTION 602 A. STATES I have right to privacy.

15 U.S.C.1682 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

I didn't give written instructions.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Company has violated code 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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.

Balance dates open and close are all inconsistent within all 3 credit bureaus completed hindering me from my fair rights.

I want all negative accounts removed and deleted in accordance with the XXXX  and fair credit reporting act and other laws outlined with the CFPB.

These companies are sending automated letters and have no addressed the complaint with no account attached please issue a complaint on the consumers behalf
Consumer complaint received 2022-07-06
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. (AL)

Hello, I got my wallet stolen and my social security number was in there. My identity was stolen and did not make these inquiries .I need these inquires removed off my credit as soon as possible. 

The accounts names and dates of the unauthorized inquires are listed below. 

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 2021-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP (TX)

American Honda Finance Corporation d/b/a Honda Financial Services has furnished/reported several late payment derogatory marks on several of my consumer reports since being in receipt of my Cease and Desist. Not only is this an individual act against 15 USC 1692c ( b ) and 15 USC 1692c ( c ), it is also an individual act against 15 USC 1681a ( 2 ) ( A ) ( i ). Late payments are to be excluded from a consumers consumer report because they are information solely as to transactions or experiences between the consumer ( natural person ) and the person ( corporation ) making the report. This is also an individual Act against 15 USC 1692d ( 1 ) as it is a threat and harm to my reputation ( 15 USC 1681 ( 2 ) states that a consumers consumer report is the consumer 's reputation ). American Honda Finance Corporation d/b/a Honda Financial Services is civilly liable for these individual acts against Title 15 of the United States Code pursuant to 15 USC 1692k and 15 USC 1681n.
Consumer complaint received 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC (VA)

Milestone credit card/ MasterCard/ GenesisFS Card Services Inc XXXX Bank of XXXX XXXX XXXX XXXX, XXXX, OR XXXX is reporting wrong information to credit bureaus. They have reported that I havent paid in over 30 days in XX/XX/2022. Therefore they have dropped my credit score tremendously for this incorrect info they hav reported. Not only that, but they are reporting information a month and a half later. This was for XXXX reporting and it is about to be XX/XX/2022. This information is incorrect. I made a payment on XXXX XXXX, so how can I be over 30 days passed due? Somebody needs to look into this company. I also have pictures of statements from them. Showing my information... ..My score has dropped XXXX points on XX/XX/XXXX, XXXX of this. When my score was just increased by XXXX points on XX/XX/2022 2022