davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-03
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (OH)

Did dispute with XXXX  and Equifax on XX/XX/XXXX requesting that my current mortgage show as current mortgage since XXXX to present and that my payments and on time at that show on report. As of now it shows the mortgage was closed and XXXX balance which isnt correct. On XX/XX/XXXX both companies reported on my report a new bankruptcy found on XX/XX/XXXX and that my mortgage was included in my XXXX bankruptcy which is not true! I have now today filed another dispute asking a 2nd bankruptcy found yesterday to be removed. So not only did my original dispute not get fixed but the credit agencies both made it worst by adding false info and not fixing the initial issue. Also everyone Ive spoken with for both agencies having called over 15 times Have English as their second language even both supervisors I spoke with making it very difficult to have a meaningful understanding in solving a dispute. Do Americans not get job offers from the agencies who hold our credit worthiness in their hands? This is simply not acceptable.
Consumer complaint received 2019-04-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

The name of the company is FAIR COLLECTIONS & OUT XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX They are saying I owe them {$1000.00} I have request for validation. They have refused to provide debt validation. They do not have my authorization accepting any form of agreement obligating me to it.
Consumer complaint received 2017-11-14
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Finance of America Holdings LLC (TX)

On XX/XX/XXXX, XXXX, XXXX, Tx received a certified letter from me that contained a insurance co. check, XXXX, insurance estimate, & roofer contract for a new roof on my residence. They said they would issue me a check for my roofer. 
On XX/XX/XXXX, I returned a phone call from XXXX XXXX. They said they needed a XXXX & roofer contract. I faxed both on XX/XX/XXXX. 
On XX/XX/XXXX, I called for a progress report. They said they needed a XXXX & roofer contract. I faxed both on XX/XX/XXXX. 
On XX/XX/XXXX, I called for a progress report. They said XXXX XXXX would call. No call as of XX/XX/XXXX. 
On XX/XX/XXXX, I called & asked for a supervisor. They said no. 
No one ever said anything about incorrect information. 
This has been a big stall.
Consumer complaint received 2022-09-16
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. (AZ)

N accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX, account # XXXX XXXX/dept of ed, account # XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX, account # XXXX XXXX account # XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX account # XXXX XXXXXXXX XXXX XXXX, account # XXXX XXXX, account # XXXX XXXX, account # XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reportion agency can not furnish a account without my written instructions
Consumer complaint received 2017-11-14
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. (NY)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

I ASKED BOTH COMPANIESXXXX XXXX AND XXXX XXXX.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXXXXXX XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EXPERIAN by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2019-04-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

My loans are serviced through Navient. I have been on the REPAYE program for 2 years. I receive all of my correspondence from Navient through email including a debit warning and payment confirmation every month. I did not receive a notice about my annual renewal for REPAYE and missed the deadline to recertify by 2 days. There was a single notification in the Navient Inbox with all of the payment confirmations that I get by email but this one was not sent to me.
Consumer complaint received 2019-04-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (MO)

I have received numerous letters and phone calls from Ad Astra Recovery Services regarding a debt that I do not owe. The letters say that I am seriously delinquent on an installment bankline loan with XXXX XXXX. I have never taken a commercial loan, nor have I ever had any dealings with XXXX XXXX. 

I spoke with a representative of XXXX XXXX and told them that I do not owe this debt. Nevertheless, they have continued to send me harassing letters threatening to hurt my credit. The letters state, falsely, that since you failed to respond ... we are now proceeding under the assumption that the debt is valid. They say that if I dont pay {$3500.00}, they will hurt my credit. 

Please help me stop these harassing an unfounded communications.
Consumer complaint received 2019-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (NY)

I am an XXXX. One of my areas of practice ( XXXX  ) has lost clients due to the XXXX XXXX on LEGAL XXXX. I called Chase by phone on or about XX/XX/2018 to let them know I was experiencing financial problems due to this situation. I was told by a Chase rep by phone that the credit card is a business account and a lateness would NOT appear on my personal report. I made a late payment in XX/XX/XXXX and XX/XX/2018. I called Chase credit reporting dept when i discovered my credit report showed a delinquent status. They stated that they reviewed the " call '' disputed my statement. I have been licensed to practice XXXX  for 17 years and I have a reputation for truth telling and have not been convicted or charged with any crime or act dealing with untruths. I have no reason to not tell the truth about this matter. Chase Bank is being dishonest. I request that my late status be deleted from all 3 credit reporting bureaus.
Consumer complaint received 2023-01-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (CO)

XXXX XXXX Chase froze account. prevented me from purchasing XXXX presents. 
Same date Chase charged me a fee of {$100.00} I do not know why the account was frozen. I am not aware of ant debt as confirmed by XXXX XXXX XXXX of XXXX  XXXX, Colorado. 
I want my account closed and the return of all fees to XXXX XXXX Thank you for your assistance.
Consumer complaint received 2019-04-03
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. (FL)

There are inquiries that are not authorized by me. They are identity theft and I am almost finished notifying the appropriate parties. I previously filed a report however there were some inquiries missed so these are the remaining fraudulent inquires : 1. XXXX XX/XX/2017 2. XXXX  XXXX XX/XX/2017 3. XXXX XX/XX/2017 4. XXXX XXXX XX/XX/2017 I have attached my FTC report and three forms of ID also.
Consumer complaint received 2019-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (NY)

I received a debt collection notice from Sunrise Credit Services ( XXXX ) for XXXX Accout # : XXXX collecting debt for XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) for the amount of {$260.00}. 

I dispute this debt, I dispute any amounts owing to XXXX XXXXXXXX XXXX  XXXX. I have not used their services nor engaged in the services or business. I do not owe money to Sunrise Credit or XXXX as I have not used either business. 

Please void this claim as it is not valid nor was any proof provided by either Sunrise Credit Services or XXXX XXXX XXXX evidencing this false claim. 

Sunrise did not substantiate this claim nor did they provide any written proof. 

Further, when I called Sunrise Credit XX/XX/XXXX at XXXX to dispute this a Sunrise Credit Services representative asked me to verify a XXXX telephone number which is not mine and proves you have the wrong person for this debt.
Consumer complaint received 2019-04-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

This complaint is connected to one already filed but closed by CFPB # XXXX. 
There was no option to respond to response of the opposite party. 
The Complaint was filed against XXXX XXXX XXXX XXXX XXXX  with Bayview Loan Servicing , LLC as an agent but to my surprise XXXX XXXX XXXX answered. XXXX claims that I have current account/loan number and they are entitled to answer to my complaint yet this is news to me because they were my servicer back in 2012 and I had 2 other servicers since then. Nowhere in my complaint, mortgage statements nor Complaint for Foreclosure exist the XXXX XXXX  XXXX name. The situation is very confusing since alleged current servicer and previous servicer can not answer to my requests.
Consumer complaint received 2022-05-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (FL)

I checked my credit report and noticed that the following accounts are inaccurate and fraudulent. I did not own the following debt. I am a consumer by law and my information was misused. I am not happy about it. Here are the listed details of the account with discrepancies : XXXX XXXX XXXX XXXX XXXX/ {$82.00} / XX/XX/2022 XXXX XXXX XXXX/ {$1300.00} / XX/XX/2022
Consumer complaint received 2019-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section XXXX of the Fair Credit Reporting Act.
Consumer complaint received 2019-04-03
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. (AZ)

On XX/XX/2019 ; I filed a dispute with Experian in reference to two credit bureau marks filed by XXXX. XXXX XXXX, XXXX on my Experian credit report. Four days later on XX/XX/2019 Experian came back and stated the investigation was completed and the information was verified as accurate and that they would not remove the information. 

I did not agree with the investigation so I filed a second dispute on XX/XX/2019 ; stating that the information was not accurate because the alleged debt had not been adjudicated by the XXXX County Superior Court. On XX/XX/2019 ; Experian again stated their investigation was complete and the alleged debt was accurately reported. 

I again did not agree with the investigation results so I placed a call to Experian on XX/XX/2019 and spoke to a representative who didn't want to assist me properly and filed a third dispute after I stated that a third dispute would be pointless since Experian hasn't performed a full and proper investigation the last two times. Again Experian came back on XX/XX/2019 and stated again that the information was accurate. I uploaded a copy of my appellant memorandum to show that the debt was not adjudicated yet. 

On XX/XX/2019 ; I placed a call to Experian and spoke to a dispute representative and again reiterated Experian 's position that the information was correct. I pointed out that how could Experian state on one side that the information was correct and accurate because it was given to them by the collection agency and the court information I gave them showing them it wasn't adjudicated yet and not accurate as of this date. He stated that Experian was going to side with the collection agency. 

It appears that since XXXX. XXXX XXXX pays Experian a subscription fee, it's not in Experian 's interest to full fill their obligations under the FCRA and do a proper investigation and remove this collection agency information on a debt not illegally able to be collected on.
Consumer complaint received 2022-09-16
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. (CT)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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
Consumer complaint received 2019-04-03
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: Byrider Franchising, LLC (FL)

Company : XXXX Amount : {$10000.00} Dates : XX/XX/2015 Ive contacted this company multiple times and have expressed that this account was fraudulently opened in my name as I was across seas at the time. Ive submitted police reports on the matter and they are still reporting this fraudulent account to my credit file. It needs to be removed immediately!
Consumer complaint received 2017-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NJ)

I am a XXXX in an XXXX. I do not make a very large salary, and I wanted to apply for the income-based repayment plans and see what other loan forgiveness options were available to me as I work in a XXXX outside of XXXX, NJ. Instead of getting information about how I can consolidate loans, forgive loans, and then move into an income based repayment plan after those steps were taken, my loan servicing provider just told me to defer my payments by sending me emails that were titled, " XXXX, Reply YES to Resolve Your Student Loan Payments ''. I never got clear information on how to actually apply for and qualify for a new repayment plan for someone in my career field. I know there are options available to XXXX, and I was never made aware of them by my provider. I am accruing more interest and hurting myself in the long run instead of making strides towards paying off my loan and working towards lowering the debt. I feel like the provider did not provide me clear options about my loan repayment.
Consumer complaint received 2023-01-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (GA)

As I am nearing the end of my loan of {$38000.00}, with only {$6000.00} remaining I begin to get unusual transactions, such as the transactions posted incorrectly and negative or amounts ranging in different amounts. My loan is on auto pay it always has been and Ive always paid an extra XXXX dollars to principal, but as it winds down to the last bit of my loan, Ill begin receiving multiple transactions taking money out of my credit on my loans. Ive spoken to Wells Fargo over the phone many times resulting in no help the phone being disconnected and being lied to I was XXXX months in advance and now after all my phone calls with Wells Fargo I am no longer XXXX months in advance and owe more than I did before, the strange transactions started to begin a I was told by XXXX representative of Wells Fargo that my auto loan will be at XXXX after I put my additional XXXX months directly to principal which it never did, and instead I owed more than what I owed before I contacted Wells Fargo.
Consumer complaint received 2019-04-03
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. (OH)

I have two account that I do not recall doing any business with that are showing on my credit report.XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX. This is not the first time I have had this issue. Please forward me a copy of a contract or some paperwork with my written signature on it! Once again request that the credit bureau collect and forward the formal validation within the next 30 days of receipt of this request. Please included any supplemental materials which verify that the account is factual. I would like to see a little more than a summary one-sheet. Instead, I have demanded a substantive validation according to the FCRA. If the credit bureaus cant find it in a reasonable period, any data disseminated from credit reporting agencies must be considered counterfactual.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-18
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. (TX)

The list of accounts has violated my federally protected consumer rights to privacy of confidentiality under 15 USC 1681. XXXX XXXX XXXX  account has violated my rights.

15 USC 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NM)

I want to emphasize that it's illegal to make threats of legal action without genuine intent to follow through. Therefore, please understand that I am fully committed to taking legal action against your company for failing to address the inaccuracies on my credit report despite numerous requests to do so. It's my understanding that under the Fair Credit Reporting Act ( FCRA ), you are obligated to investigate and correct any erroneous information, yet you have consistently neglected to do so. 
The situation constitutes a clear violation of the FCRA, which outlines both remedies for consumers and penalties for non-compliance by reporting agencies and data furnishers. This letter serves as my final request for you to fulfill your obligations under the FCRA. If you fail to take appropriate action, I will have no choice but to pursue legal action against your company in my local jurisdiction. 

I value my credit integrity greatly, and your lack of professionalism and assistance is deeply disappointing. I am well-versed in my rights under the FCRA and am prepared to assert them to the fullest extent. I expect a prompt and comprehensive response from your end. 

XXXX XXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2019-04-03
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: TOYOTA MOTOR CREDIT CORPORATION (CO)

Basically I call Toyota to ask them if I am qualify for move 2 upcoming payment to the end of the loan because I am going to vacation in XXXX, the representative that I spoke to said that I am qualified for that term to move my payment to the end so I agree to do that but somehow its wasnt done properly I show late payment so as soon I returned from my vacation I am trying to fixed the problem by calling Toyota and see what when wrong so Toyota found the receord call and will be able to move my 2 payment to the end of the loan.