davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$360.00} XXXX XXXX XXXX XXXX Balance : {$78.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$430.00}
Consumer complaint received 2018-10-12
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. (MA)

Equifax was hacked and allowed all my personal information to be stolen. I have had to place credit freezes on all my Credit Reports from all 4 agencies. I am now a victim of identity theft. I can not believe that Equifax is still in business ... ..XXXX XXXX Americans were hacked in something that could have been prevented but their incompetence has allowed XXXX XXXX Americans to be victims - This is unacceptable and not only should the heads of that company be held legally responsible but the company should be forced into closure.
Consumer complaint received 2018-04-12
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. (AL)

On XX/XX/2018 I reported to Experian, XXXX  and XXXX that an account appearing on my reports was fraud. I notified idenitytheft.gov and followed there reporting procedures for identity theft. I sent a certified letter to XXXX and all 3 credit reporting agencies. XXXX  immediately removed the account, but Experain and XXXX have not. 

Know Experian is reporting this account as 90 days past due and charged off. This has resulted in my credit being damaged and has effected my credit.
Consumer complaint received 2021-03-15
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. (NJ)

XXXX  XXXX card does not belong to me please delete from my credit report XXXX  XXXX XXXX XXXX  I was never late please remove from my credit report. Always paid on time
Consumer complaint received 2018-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/2018, I received a letter dated XX/XX/2018 from Bank of America " advising '' me that my credit card account ending in ... XXXXhas been closed because my " risk profile no longer aligns with the bank 's tolerance risk ''. As a result, all my " REWARD POINTS associated with this account they'll will be forfeited " Although i handled all my accounts with BofA ( checking and credit cards, personal and business, in an EXCELLENT manner, what is most unfair if not unjust and possibly illegal, is the forfeiture of XXXX reward points, valued at between {$12000.00} and {$18000.00} that I EARNED over a period of time ( by using their cards extensively, helping the bank make profits and myself EARN my rewards ). I let them accumulate so that my wife and I, now in our late XXXX 's age wise, can use later in life. 

Although upset that arbitrarily and for no justifiable reason the bank closed my accounts, I am demanding and expect to be allowed to redeem the points I earned by using the card ( by which use obviously the bank benefited enough to award me almost 2 million points over time )
Consumer complaint received 2018-04-12
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. (NC)

I went through the CFPB because I saw two collections I knew were not mine from XXXX XXXX XXXX. The response is attached ; XXXX XXXX XXXX does not have these. Yet nothing has been deleted.
Consumer complaint received 2021-12-06
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: Resurgent Capital Services L.P. (GA)

Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Consumer complaint received 2021-12-06
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. (NC)

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 2018-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (LA)

Equifax and XXXX XXXX  are reporting erroneous and unsubstantiated information on my credit report. Each time I request a removal or an explanation from the source providing this information ; I get the generic response from Equifax and XXXX XXXX " This information meets the FCRA ''. They do not provide documentation which supports these erroneous entries on my credit report. I have contacted the courts as well as the IRS who have stated that they do not report or verify any information to the credit reporting agencies and they do not have any such information in their systems to support these reporting on my credit report. I have requested that Equifax and XXXX XXXX  provide me with the source in order for me to address this matter with them directly. Equifax after several attempts to retrieve this information, finally stated that XXXX XXXX was the source. I contacted XXXX XXXX who has provided documentation which states that the information could not be verified and would be removed from their data base. I sent this information to Equifax and XXXX XXXX last year and they still refuse to remove this very damaging and inaccurate information from my credit file. I am attaching the correspondence and communications to and from Equifax and XXXX XXXX
Consumer complaint received 2024-05-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (OR)

I had previously filed a complaint with the CFPB, XXXX. Per federal law, while my loans are in " deferment '' status loan interest is not supposed to be accrued. HOWEVER, since my first case was filed, I keep getting charged interest to spite being XXXX. XXXX has all the documents, except for todays, I am lagging on this fight.
Consumer complaint received 2022-06-11
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. (WA)

in accordance with the fair credit reporting act XXXX  Account XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, 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 2021-12-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I XXXX XXXX checked my credit report and I noticed some fraudulent and inaccurate accounts on my credit report I then proceeded to reach out to the credit reporting agencies to remedy the situation but they would not help me correct these fraudulent and inaccurate accounts.
Consumer complaint received 2018-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA (TX)

I received a credit card bill from the XXXX XXXX XXXX brand credit card issued by XXXX XXXX. I don't believe I have ever used this card, and the first notification I ever got from them was this bill that showed that I made no charges but was being billed a {$69.00} annual fee. When I called to close the card, they said that they would close the card but that I still would have to pay the annual fee. I asked to speak to a supervisor and when she finally got on, she said the card I had to pay the annual fee and that the card would stay open and interest and charges would accrue until I paid the fee. I have never encountered a credit card company that wouldn't close the card and remove an annual fee on a card that had not been used, with XXXX balance except for the annual fee.
Consumer complaint received 2019-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (NY)

Today, XX/XX/2019, I tried to lock/freeze my credit report with Equifax and I'm unable to do it online or by phone. Equifax provides by phone ( Equifax : XXXX ) two sites that don't work : XXXX & XXXX. After filling out all the information required including my social security number, address etc., at the end I'm required to call a provided phone number that is answered by a robot and that doesn't address locking/freezing of the account. 
I had absolutely no problems locking/freezing my credit reports with XXXX  and XXXX, but Equifax has been a nightmare consuming lots of time for NO RESULTS.
Consumer complaint received 2018-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP (WA)

After 2 years of using the credit card, US Bank closed my card without explanation. XXXX XXXX. requested additional information ( social security card, driver license, business license ) which he received but on XX/XX/2018 my account was closed without explanation about what additional information is needed. The account was closed because " bank doesn't feel like it ''.
Consumer complaint received 2021-12-06
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: Experian Information Solutions Inc. (NY)

I am a victim of identity theft. The following information is reporting to my credit report is information that I have no relation to. Under FCRA 605B I am requesting that this information is removed from my credit profile within $ business days of receipt of this letter. I have contacted each creditor and they have failed to provide me with any wet signature contracts stating that I owe a debt or consented for them to run my credit report. The following information is fraudulent ( XXXX XXXX # XXXX {$290.00}, # XXXX {$290.00}, # XXXX {$210.00}, # XXXX {$56.00}, # XXXX {$56.00}. I will be following up with each agency to ensure that this matter is taken care of promptly. Failure to comply will result in a lawsuit against all parties involved. including any agency reporting fraudulent information to my credit report.
Consumer complaint received 2021-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/XXXX my bill did not go through account with 1 missed payment. I am kindly requesting CAPITAL ONE / SAKS F ( Opened XX/XX/XXXX ) to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Consumer complaint received 2018-03-12
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)

Please remove the following unauthorized inquiries from my Transunion credit report : 1. XXXX XXXX XX/XX/XXXX 2. XXXX  XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX
Consumer complaint received 2021-09-22
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This CREDITACPT is reporting late, yet it is closed and the balance is XXXX as reported in my XXXX and XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2019-08-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Finance Company, Inc. (CO)

I had a collection on my report from XX/XX/XXXX from a collection company that was removed because they never sent me confirmation of the debt to even tell me what it was for. I just went to get a home loan and i see a collection for the exact same amount from another collection company only this time it has a date of last action of XX/XX/XXXX. Even if this debt was legitimate which i still have been unable to get any information on even with the new collection company the fact that they have changed the date of last action has severely affected my credit score to the point where i can not get a home loan since it is a new derogatory item that has cost me 50 credit points. I have tried disputing it with the bureaus and tried getting more information about it from the companies themselves but had no luck. Please help.
Consumer complaint received 2018-04-12
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. (TX)

I have paid off my account with XXXX but they will not update my credit report to list a {$0.00} balance on this account. I tried to dispute the account with XXXX   Experian, and XXXX XXXX ; but they continue to verify a balance owed when there is not one owed.
Consumer complaint received 2021-07-21
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. (NC)

I see inquiries on my report that shouldnt be there there from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Consumer complaint received 2021-02-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (FL)

I have contacted XXXX XXXX XXXX and this agency to advised this account was opened fraudulently and i have the FTC reports to sustain my claims. The company refuse and have very rude agents. Also I have a Consented phone recording where the debt collector refuse to give me info for the legal department.
Consumer complaint received 2019-08-27
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. (PA)

I submitted previous disputes with Experian with in correct information pertaining to 2 accounts : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX with inaccurate dates open of account, account status, date of last activity after account was closed for more than 3 years and Experian refuses to conduct proper investigation. I have enclosed more than 2 credit reports and 2 letters to Experian to request investigaiton to have accounts removed due to not being 100 percent accurate and failure to reinvestigate.
Consumer complaint received 2021-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NC)

I had a reservation to stay at XXXX XXXX  XXXX, NC XX/XX/XXXX - XX/XX/XXXX. I checked in on the evening of XX/XX/XXXX with my dog. There was XXXX XXXX  in the parking lot and large groups of people loitering. I felt unsafe taking my dog for a walk being that I am a single woman. I went to the front desk to tell them. The man working there said " I am not the police, I can't control what people do in the parking lot, my job is to sell rooms. '' I told him I felt unsafe and needed to check out. He said I could have a refund for the remaining days ( even though I didn't even stay one entire night. ) He took my number down for the owner and said that it would not be a problem. I was never provided with a checkout receipt again, the front desk said a refund would not be a problem. I checked out around XXXX. The service I was promised, a safe place to sleep, was not provided by the merchant. My refund never arrived on my statement and I could not get ahold of the owner, so I filed a dispute for the refund amount, {$180.00}. It was temporarily credited to me, but then was re-billed on XX/XX/XXXX. I received no message in my account or letter in the mail notifying me of why my dispute was denied. I called customer service on XX/XX/XXXX and they stated that a letter would be mailed with an explanation, but it never was. They said that the merchant said I stayed at the hotel all three nights, but that is a fabrication. I faxed a letter to appeal their decision on XX/XX/XXXX. It went through successfully, but it has been ignored. The {$180.00} needs to be credited to my account.
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACIMA CREDIT, LLC (IN)

This company has reported on my consumer report that I did not pay them. I filed a police report because I did not receive the product ( tires ) that was initially financed. I sent them the police report and they still have yet to remove this account from my consumer report. I feel like I am being taken advantage of because I did not benefit from this transaction. I never received any product from this company
Consumer complaint received 2018-04-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

OnXX/XX/XXXXI received Mortgage Satisfaction, Letter from Bank of America. Called Bank of America, to inform the paper work was Incomplete. File complaint on XX/XX/XXXX.

Bank of America called me onXX/XX/XXXX Bank of America is unwell to give me a date when they will release missing title to my home. On XX/XX/XXXXBank of America received payment Of XXXX to close the loan. It has 148 days and counting And still I can not prove I own the home I live in.
Consumer complaint received 2022-06-11
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. (GA)

XXXX XXXX  XXXX {$8900.00} XX/XX/XXXX this account is unknown to me. 
XXXX XXXX XXXXXXXX {$8900.00} XX/XX/XXXX this account is unknown to me. 
XXXX XXXX XXXX XXXX {$67.00} XX/XX/XXXX this account is unknown to me. 
XXXX {$67.00} XX/XX/XXXX, XXXX account is unknown to me. 

XXXX XXXX XX/XX/XXXX. This inquiry was not authorized by me. 
XXXX XXXX XX/XX/XXXX. This inquiry was not authorized by me. 
XXXX XX/XX/XXXX. This inquiry was not authoized by me XXXX XXXX XX/XX/XXXX. This inquiry was not authorized by me. 
US SM BUS ADMIN ODA XX/XX/XXXX. This inquiry was not authoized by me.
Consumer complaint received 2022-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX  XXXX {$8900.00} XX/XX/XXXX this account is unknown to me. 
XXXX XXXX XXXXXXXX {$8900.00} XX/XX/XXXX this account is unknown to me. 
XXXX XXXX XXXX XXXX {$67.00} XX/XX/XXXX this account is unknown to me. 
XXXX {$67.00} XX/XX/XXXX, XXXXThis account is unknown to me. 

XXXX XXXX XX/XX/XXXX. This inquiry was not authorized by me. 
XXXX XXXX XX/XX/XXXX. This inquiry was not authorized by me. 
XXXX XX/XX/XXXX. This inquiry was not authoized by me XXXX XXXX XX/XX/XXXX. This inquiry was not authorized by me. 
US SM BUS ADMIN ODA XX/XX/XXXX. This inquiry was not authoized by me.
Consumer complaint received 2024-05-17
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (OK)

XXXXContacted Community Loan Services LLC., for refinancing of mortgage sold to them by XXXX, while on a forbearance program due to XXXX and being furloughed from my job. 
XXXXFiled my first complaint on CCLS due to the difficulty I was having getting them to reply to me concerning {$6800.00} that was being added to the mortgage. 
XXXXFiled a second complaint because I was working with THA and OHFA during the modification and still having trouble with CCLS replying to my attempts and theirs to help with my loan. They closed the modification and immediately sold the loan to XXXX XXXX which I still have today and is current. 
XXXX-I was contacted by XXXX and they were still attempting to work my case number XXXX. Because the loan was modified they aren't able to help with the past due but were trying to help pay the {$6800.00} that was added to my loan as delinquent interest and escrow. 
XXXXI was contacted by XXXX saying that the FHA case number was incorrect and XXXX XXXX couldn't accept payment because CCLS either didn't file the paperwork or filed incorrectly. FHA case should be XXXX. When I tried to contact them the answering machine hangs up when I try putting in an account number or SSN.