davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

My name is XXXX XXXX XXXX, my SS # is XXXX. I am FILING THIS COMPLAINT TO XXXX XXXX FILE # XXXX I HAVE A FEW ISSUES WITH FURNISHED ITEMS ON MY REPORT! Please send me the name and address of the provider or furnishers providing this data, and the manner in which it was provided so I can conduct my own research with additional legal remedies. FCRA requires a reasonable procedures to assure 100 % accurate the information on my credit report. I request you verify the items disputing without a simple computer generated inquiry, XXXX  or third party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source. FCRA Section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report. I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. I DO NOT CARE TO USE Civil liability and the remedy available to me for the " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. Your failure to positively verify these accounts has hurt my ability to obtain credit. PLEASE DELETE THE FOLLOWING UNKNOWN ACCOUNTS :  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 2019-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (KY)

After doing several disputes with Experian, XXXX, and XXXX. I am still not getting the investigation that I asked for. By the credit bureaus not doing the investigation it is allowing negative remarks on my credit report. Enclose is the information that I sent to all of the Bureaus and the Creditor asking for validation. The information was completely ignored from creditor XXXX XXXX. All three failed to do an investigation before reporting false information. XXXX XXXX failed to respond several letters
Consumer complaint received 2019-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

After doing several disputes with XXXX, XXXX, and Transunion. I am still not getting the investigation that I asked for. By the credit bureaus not doing the investigation it is allowing negative remarks on my credit report. Enclose is the information that I sent to all of the Bureaus and the Creditor asking for validation. The information was completely ignored from creditor XXXX XXXX. All three failed to do an investigation before reporting false information. XXXX XXXX failed to respond several letters
Consumer complaint received 2019-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (KY)

After doing several disputes with XXXX, Equifax, and XXXX. I am still not getting the investigation that I asked for. By the credit bureaus not doing the investigation it is allowing negative remarks on my credit report. Enclose is the information that I sent to all of the Bureaus and the Creditor asking for validation. The information was completely ignored from creditor XXXX XXXX. All three failed to do an investigation before reporting false information. XXXX XXXX failed to respond several letters
Consumer complaint received 2019-09-20
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

Infiniti Financial did not take out the final auto-draft, after taking 59 other payments which I paid on-time each month. When I contacted them about it, I spoke with a manager who confirmed the system had an issue and said he would fix it but it is their policy to STOP TAKING AUTO-DRAFTS ON THE FINAL MONTH. They waived late fees and interest, I paid off the loan and thought it was closed despite this deceptive business practice.

This line on equifax report now says " not more than two payments past due '' which has dropped my credit score by more than 70 points. I requested they correct it to " pays as agreed '', but they said there is nothing they can do, the request was rejected.

I have an open dispute with equifax, but I also think Infiniti is acting in bad faith, possibly impacting others intentionally at the end of their loan terms in order to intentionally collect late fees and over due interest. Making it standard business practice to stop auto-drafting in the last month, after doing it for 5 years, does not pass the " reasonable standard '' in that it creates a negative mark when customers are more likely to be looking for another loan, therefore inflating possible APR for the next automobile purchse.
Consumer complaint received 2019-09-18
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.Q. DATA INTERNATIONAL, INC. (OK)

I was contacted last week about owing XXXX for breach of contract on an apartment I had just moved out of. I was very upset, since I knew for fact my contract was up. For XXXX days they called me and i told them this and told them I would get with the apartment management which I did and that I had poof that I was not in breech of contract. They tried to use scare tactics telling me about it following me on my credit and that it probably wouldn't matter what I did or said to prove it was wrong I just needed to pay it. When I finally disproved them then they told me the debt was for something else and yelled at me over the phone that it would just go on my credit. I have never been talked to so rudely and harassed for something that I know I am in the right for.
Consumer complaint received 2019-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (CA)

I have a few situations going on with my credit file. I have had a few addresses that need updated. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX SS XXXX DOB XXXX THE FOLLOW ADDRESSES ARE NOT ACCURATE PLEASE REMOVE : 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 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 i HAVE SEVERAL NUMBERS THAT ARE NOT MINE ON MY FILES PLEASE DELETE/REMOVE THE FOLLOWING : ( 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 2019-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (CA)

I have a few situations going on with my credit file. I have had a few addresses that need updated. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX SS XXXX DOB XXXX THE FOLLOW ADDRESSES ARE NOT ACCURATE PLEASE REMOVE : XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX 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, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX i HAVE SEVERAL NUMBERS THAT ARE NOT MINE ON MY FILES PLEASE DELETE/REMOVE THE FOLLOWING : ( 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 2019-09-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (ME)

In XX/XX/XXXX, my mortage was sold to a company called New Rez financial ( also know as shellpoint ) not by our choice. We had made 2 mortgage payments, and then they were demanding that we get flood insurance ( XX/XX/XXXX ) due to the location of our home to a small brook. ( This was never a problem with the prior company working off the same flood maps ). We got our flood insurance policy paid in full for the year prior to the deadline they gave us. The insurance company sent over the binder in XX/XX/XXXX. New Rez also requested that I compose a letter stating that I would be responsible for the flood insurance premium every year and it would not be escrowed with my mortgage payment. 

Fast forward to XX/XX/XXXX and New Rez was claiming they never received the flood insurance policy and now was putting a flood insurance premium in our escrow, which was another {$120.00} a month to our bill. I told them I did have a policy and I requested a new escrow analysis to be done, so my payment would be fixed. I then check in XX/XX/XXXX, it was not done, but was told to make the original payment amount, which I did and it was adjusted. XX/XX/XXXX I checked again to see if the analysis was done, it still was not done and I was advised that they would not do it again before the state requires it later in the month because " it doesn't make sense to them ''. I was advised that I was on a recorded line and of I did not pay the mortgage with the extra {$120.00} payment on it, the loan would be marked as unpaid and reported to the credit bureau. I paid the payment of {$920.00} for XX/XX/XXXX payment. I was also told on this phone call that the letter I sent saying I would take care of our flood insurance, actually means that they wont take care of anything in the escrow ( taxes and insurance ). 

Also there was an issue with my taxes that went unpaid in XX/XX/XXXX which was the prior mortgage company but they would not handle the situation at all. They were also 3 months late paying my taxes for XX/XX/XXXX as well.

Finally when I do ask to speak with a manager or supervisor, they can never forward me right away to them, I have to be put on a call back list and wait for them to get to me. They will call minutes before the closing of their office, which means I cant call back until the next day and start the process all over again.
Consumer complaint received 2019-09-20
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AES/PHEAA (CA)

I have taken action against PHEAA student loan servicer but, I do not have legal counsel as yet due to my Pending claims filed with The Dept. of Education Civil Rights division, and Borrowers Defense, Fraud and False Cert Division, The Office of The Attorney General/Collections and Practices violation department, ADA violations claim, ( age, race and ethnicity and disability ), FTC, Cease letter sent and collection calls are coming in again and possibly some spoof calls, and XXXX XXXX XXXX of California claims filed are all pending. I have received wage garnishment notices, letters rejecting all of my claims filed from PHEAA, its legal team and collection partners. Making allegations that nothing ever happened within the PHEAA agency, its Sub servicers, collection partners and affiliates, that indicated violations of fraud, mishandling, false reporting/writings of any sort happened. Discrediting me and making demands and threats to force me into paying on a student loan debt that I don not owe. PHEAA, and its legal team was unresponsive to the fact that my private loans were converted with my federal loans, consolidated without my consent or knowledge, slapped with high fees, charges, penalties and was given a different type of loan name. Adding, I never received anymore disbursement after XX/XX/XXXX yet, PHEAA alleged, I took out more disbursements in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This is false and PHEAA has been unresponsive to my claim. My claim status is pending investigation ( s ) with the above reporting agencies listed. PHEAA is not following proper practices and violating my rights as a consumer and as a debtor taking action against illegal collections.
Consumer complaint received 2019-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC (CA)

I have a few situations going on with my credit file. I have had a few addresses that need updated. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX SS XXXX DOB XXXX THE FOLLOW ADDRESSES ARE NOT ACCURATE PLEASE REMOVE : 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 XXXXXXXX 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 XXXXXXXX i HAVE SEVERAL NUMBERS THAT ARE NOT MINE ON MY FILES PLEASE DELETE/REMOVE THE FOLLOWING : ( 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 2019-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lending Club Corp (FL)

I gave Lending Club, per another CFPB Complaint in XXXX ( which they failed to respond ), my Schedule of Creditors per my bankruptcy in XX/XX/2018 which shows that my Lending Club Corp., was indeed included, and discharged, in bankruptcy. 

Yesterday, Lending Club incorrectly reported the account as a charge-off to XXXX XXXX contrary to my court-ordered discharge I submitted online to them through the CFPB website. 

Please review the attached court documents and the excerpt from my XXXX credit report via XXXX XXXX showing the Lending Club account incorrectly changed to, and reported as, a charge-off to my detriment as of yesterday. 

Please assist!
Consumer complaint received 2019-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I have a few situations going on with my credit file. I have had a few addresses that need updated. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX SS XXXX DOB XXXX THE FOLLOW ADDRESSES ARE NOT ACCURATE PLEASE REMOVE : XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX 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 XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX
Consumer complaint received 2019-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have a few situations going on with my credit file. I have had a few addresses that need updated. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SS XXXX DOB XXXX THE FOLLOW ADDRESSES ARE NOT ACCURATE PLEASE REMOVE : XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX
Consumer complaint received 2019-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I have a few situations going on with my credit file. I have had a few addresses that need updated. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX SS XXXX DOB XXXX THE FOLLOW ADDRESSES ARE NOT ACCURATE PLEASE REMOVE : 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 XXXXXXXX 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 XXXX
Consumer complaint received 2019-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CITIBANK, N.A. (MO)

Today Date XX/XX/2019 This complaint involves XXXX. 

I received a denial letter from Citi Bank in regards to opening a money market account. They said their decision was made in part due to a report from XXXX  and that I should contact them for the report. 

XX/XX/2019 was my first request for the report. Which was to be mailed in 5 working days. 

XX/XX/2019 : I called XXXX  to ask where the report was and they said I should have received it and would mail another one. 

XX/XX/2019 : I filled out another request for my report. 

XX/XX/2019 : I contacted your office. 

Why don't banks send a report along with the denial letter. 

Why can't you get the report by email. The application after all was applied for online.
Consumer complaint received 2019-09-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America is foreclosing on my home. I applied for a Mortgage Modification/Loss Mitigation through the Home Affordable Modification Program ( HAMP ) and submitted all of the Modification application to Bank of America on XXXX XXXX. I did not receive anything from Bank of America, I called Bank of America 27 times. I was not given a single point of contact at Bank Of America, and on XX/XX/2019 told by Bank of America that they lost my Mortgage Modification paperwork and that I should contact their law firm XXXX XXXX which I did and was told that they did not have my Mortgage Modification either. Under the Consumer Financial Protection Bureau 's guidelines for Loss Mitigation Procedures and Statutes 1024.41, Bank of America has not exercised diligence and did not put perform reasonable diligence, lost my Mortgage Modification paperwork, and filed the information to a third party which also did not process the Mortgage Modification. Furthermore, I did not receive any written information from Bank of America.
Consumer complaint received 2019-05-01
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'm in the market for a home purchase. One of the preparation steps I'm taking is monitoring my credit report. A couple of days ago I checked my credit report for the first time in a minute and I saw a couple of items on my credit report that are not mine. I have contacted the FTC and the local police. I'm doing this on my own behalf. These items need to be deleted from my credit report. XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX lnquiries : XXXX XXXX, XXXX XXXX, NA XXXX XXXX, XXXX. XXXX. XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, FCC XXXX XXXX
Consumer complaint received 2019-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CT)

Wells Fargo has sent me several general form letters in regard to opening of unauthorized accounts and resolution of fees charged to these accounts, the letters want to know if I am satisfied with resolution.. The resolution includes a refund check in the amount of XXXX. This is the only refund I received, which does not cover total fees charged including overdraft fees.. This refund was made as part of Wells Fargo Settlement which again, is only a small portion of fees charged to unauthorized accounts which I believe include a total of two or three. The fees run into the hundreds I believe, however, I do not have an exact total as the accounts are all now closed and do not have access to them. I request a refund of total fees charged to these accounts which were not authorized. Failing that, I request Wells Fargo to cease sending these letters asking if I am satisfied with resolution as I am clearly not.
Consumer complaint received 2021-05-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Upgrade, Inc. (TX)

XX/XX/2021, I set up a new payment plan. At that time my bill was {$8700.00}. In the mean time I recieved some money so I paid them {$1000.00}. A few days past by and I call to see why my balance has increased. The representative told me that all of that money would go to interest intrastate of the balance. I told her they were not trying to help people. I asked to speak to a supervisor, if course one was not avaliable. I have not heard from them. Now my payment is suppose to be {$230.00} for 3 months not {$590.00}.