davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-30
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. (GA)

EQUIFAX REFUSES TO VALIDATE AND VERIFY THE ACCURACY OF AN ACCOUNT ON MY REPORT! THEY AREN'T EVEN PROPERLY INVESTIGATING THE MATTER!

PER 15 USC 1681 CREDIT BUREAUS HAVE A GRAVE RESPONSIBILITY of the following : ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I WANT THEM TO STOP REPORTING XXXX XXXX XXXX  ACCOUNT AS CLOSED WHEN IN FACT IT IS OPENED! I HAVE A LETTER FROM XXXX XXXX THAT THE BUREAU REFUSES TO HONOR. 

REPORT THIS ACCOUNT AS OPENED IMMEDIATELY!
Consumer complaint received 2022-01-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (MN)

When I applied for student loans I was going to school for a art degree in graphic design. It was a struggle getting in contact with my financial aid counselor and information was not clearly explained about how this loan would affect me pursuing a degree that pays a college grad starting out XXXX - XXXX a year. Signing up for federal and private loans is the worst thing I have ever done. Ive been in forbearance for two years and I have no idea how Im ever going to pay my loans back. I pray every day that they are forgiven. Between the cost of living and the amount Im scheduled to pay ( at one point the amount owed was XXXX ) while working it seems impossible. In XXXX of 2019 I had XXXX in unpaid principal and XXXX. Please make it make sense.
Consumer complaint received 2022-08-18
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. (MS)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$6600.00} XXXX XXXXXXXX Balance : {$8100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$24000.00} XXXX XXXX Balance : {$3600.00}
Consumer complaint received 2022-01-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I sent some letters out with an FTC report to Equifax and XXXX about some inquiries and a collection on my credit report that are not accurate and are not mine. I never received any responses from anybody. This is causing me to be stressed emotionally and financially. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2022-01-30
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. (AZ)

I already filed an FTC report with the credit reporting agencies and XXXX XXXX agreed and removed this account on or about XXXX of 2021. This account was mistakenly sold to XXXX FUNDING and they are ILLEGALLY REPORTING IT as of XX/XX/2021 opening date. This is a true and a major violation of reporting laws.I expect this to be removed now
Consumer complaint received 2022-01-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (CA)

On XX/XX/XXXX, XXXX XXXXXXXX and the National Credit Systems was sent an email that had a debt verification attachment. In that document, XXXX XXXX and National Credit Systems were both asked to verify the debt of {$10000.00}. More than 30 days past ever since XXXX XXXXXXXX and the National Credit Systems received that letter. To this very day, no proof of the debt or validation attempts have been received by the National Credit Systems or XXXX XXXXXXXX. 

On XXXX XXXX, my attorney filed a pro to vacate order to dismiss the eviction filed by XXXX  XXXX. 

On XX/XX/XXXX, XXXX XXXXXXXX attorney agreed that the eviction should be dismissed on the basis that I did properly notify XXXX XXXX  of leaving the property and I did find someone to sublease the property. Since someone subleased and resided in the unit, the reported debt of {$10000.00} is inaccurate. 

On XX/XX/XXXX, a local judge of XXXX XXXX approved to dismiss of this eviction. The debt is showing for the full amount on my credit history, which is inaccurate. 

If the National Credit Systems can not legally validate the debt because another person resided in the property and was paying for the rent. If National Credit is unable to validate the debt, then they should rightfully delete the debt or correct it on all three credit bureaus.
Consumer complaint received 2022-01-30
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. (GA)

TRANSUNION REFUSES TO VALIDATE AND VERIFY THE ACCURACY OF MY CREDIT REPORT! THEY ARE EVEN REFUSING TO LOOK INTO THE MATTER AGAIN STATING THEY ALREADY INVESTIGATED THE MATTER! 

PER 15 USC 168XXXX CREDIT BUREAUS HAVE A GRAVE RESPONSIBILITY of the following : ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I WANT THEM TO STOP REPORTING THE XXXX FINANCIAL ACCOUNT AS CLOSED WHEN IN FACT IT IS OPENED! I HAVE A LETTER FROM XXXX FINANCIAL THAT THE BUREAU REFUSES TO HONOR. 

REPORT THIS ACCOUNT AS OPENED IMMEDIATELY!
Consumer complaint received 2022-10-07
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. (IL)

Company reported delinquent payments missed to my Credit Report. After the Vehicle was in there possession for months prior. Shared my Report with third Party. Violating my Privacy. 
XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX 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 reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if person knows or has Reasonable cause to believe the information was in correct.
Consumer complaint received 2022-01-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Seattle Service Bureau, Inc (IL)

I have been harassed by an individual regarding a hit in run they were involved in on XX/XX/21. I have proven to my insurance agency ( XXXX ) and the local police ( XXXX, IL ) that I was two states away at the time. The police took me off the investigation because the car described by the person was not at all similar to mine. My insurance closed the complaint. 6 months later I am receiving a claim from the National Service Bureau ( XXXX ID XXXX ) that I owe {$1900.00}. I don't understand how this individual and this collection agency can ask for money when I've been cleared by the police.
Consumer complaint received 2022-01-30
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)

In XX/XX/2021 XXXX reported that i was over 30 days late. Then XXXX realized that it was unauthorized charges and credited all the charges back to my account but XXXX still reported it to my credit bureaus as me be over 30days past due.
Consumer complaint received 2022-02-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

Before I applied for refinancing, I specifically made it clear that under no circumstances would I accept a refinance that required an escrow account. I have been paying my property taxes, home owners insurance and flood insurance since 1979. The loan officer said to me no escrow is required and none would be in the future. I reiterated that only the principal and interest will be the monthly payment. 

Just about two years later, Newrez added an escrow to my statement. Newrez had not paid any taxes and/or insurances, I HAVE. Yet they added escrow. I called the customer service and the agent saw the escrow was added. I explained to him that I sent in the flood insurance " declaration '' page because they wanted proof of insurance. The agent investigated it and saw I pay all taxes and insurance, including FLOOD. He told me that the escrow would come off my statement. 

Weeks have gone by and during those weeks I have regularly sent documentation proving I am the payor. I receive form letters saying that they will investigate it, but the escrow payment remains. 

My perception why Newrez is doing this, say they hold 100,000 mortgages and each mortgage can average $ 250/month for escrow ... that gives them {>= $1,000,000} each month. Newrez takes advantage of the escrow accounts with other people 's money to make more to keep to themselves. Then they take those millions invest and profit by it without having to pay interest to an account holder. To bolster the balance of the aggregate escrow, they impose escrow on accounts that should not or do not have them by whatever means and by overinflating the escrow analysis. 

Newrez representatives are willing to tell you anything to get you to sign.
Consumer complaint received 2022-02-20
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. (NJ)

By 15 is code 1681, the law states it, its illegal to report my bankruptcy publicly to the credit reporting agency.Ready as follows : Accuracy and fairness of credit reporting The Congress makes the following findings : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-10-07
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. (IL)

Company reported delinquent payments missed to my Credit Report. After the Vehicle was in there possession for months prior. Shared my Report with third Party. Violating my Privacy. 
Account # XXXX XXXX XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX Account : # 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 reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if person knows or has Reasonable cause to believe the information was in correct.
Consumer complaint received 2022-02-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (FL)

From XX/XX/XXXX to XX/XX/XXXX, I qualified for Mortgage Payment Forgiveness, accumulating a Mortgage difference of XXXX. In XXXXXX/XX/XXXX, the mortgage was XXXX. As of XX/XX/XXXX I had a Mortgage of XXXX, but because of the Mortgage difference, my mortgage went up to XXXX. 

I need to know if the Mortgage Difference of XXXX can be forgiven since my wife and I are retired and we receive a joint Monthly income of XXXX, while the monthly Mortgage is XXXX. But as of XX/XX/XXXX, the mortgage will increase to XXXX plus light bill of an average of XXXX, and water bill of an average of XXXX. 

I appreciate your assistance in this matter and await a favorable response.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am writing to dispute the accuracy of certain information reported on my credit file by your agency. Specifically, I am contesting the veracity of inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy public record, discharged on XX/XX/XXXX. I assert that these entries are inaccurately reflected, lack proper verification, or are outdated, thus necessitating their review and removal under the FCRA 's provisions that mandate reporting agencies to ensure the maximum possible accuracy of the information reported ( 15 U.S.C. 1681e ( b ) ) and provide mechanisms for consumers to dispute and seek the deletion or correction of inaccurate, incomplete, or unverifiable information ( 15 U.S.C. 1681i ). Given these circumstances, I have initiated this formal dispute to request a thorough investigation into these matters. Should these entries be found unverifiable, outdated, or inaccurately reported, I respectfully demand their immediate correction or deletion from my credit report, in compliance with FCRA guidelines. This request is made with the expectation of a prompt resolution, safeguarding my right to an accurate and fair credit report as stipulated by federal law.

I have attached my passport and a copy of my utility bill for identity verification purposes.
Consumer complaint received 2022-10-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

Account is stating incorrectly on credit report stating account as collection while derogatory both at the same time. This is not possible if account is collection it can no longer be derogatory and there should not be late payments reporting. Account was reporting date open as XX/XX/XXXX XXXX XXXX and XX/XX/XXXX XXXX XXXX. Date last active reported as XX/XX/XXXX by XXXX XXXX while XXXX reported XX/XX/XXXX. I disputed account asking to verify or delete as I do not recall having this account results came back still incorrect. stating account is open when previously account was call collection with an accurate date less active stating as XX/XX/XXXX by XXXX XXXX XX/XX/XXXX bye XXXX stating that investigation has been completed where I strongly disagree because there is no way that account can be reporting collection and then suddenly they change it to open an account reporting consecutive charge off as if it was some sort of payment method on a dead account I have tried contacting both the creditor and collection agency and Original creditor stated over the phone that they no longer owe this account therefore they couldnt help. I havent had any luck contacting the collection agency. I never received any sort of document stating that the debt belongs to me by neither XXXX XXXX or XXXX account is a total mistake itself no doubt.
Consumer complaint received 2022-12-05
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)

Ive paid the agree amounts to discharge the XXXX  XXXX  debt but company refuses to up hold the agreement arrangement. It was paid and removed only to return as a paid/closed and sold the paid account to 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: EQUIFAX, INC. (SC)

I am a natural person, I am a living human being. 
I HAVE RIGHTS UNDER 15 USC 1681. 
Equifax is govern by 15 USC 1681. AND they violated my rights numerous times. I demand the accounts listed below be removed. 
According to 15 USC 1681 : I have the right to privacy AND I did not give Equifax written permission to furnish these accounts XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2022-01-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

Today XX/XX/XXXX I received a collection letter from a collection agency referencing an alleged debt from XXXX that is on behalf of XXXX with whom I have never had any credit card, loan or any type of relationship with ever. 

I am concerned with how this entity obtained my name and address and alleges that I am responsible for a debt I never incurred in the amount of {$860.00}. 

The seven year rule of credit is being violated, on principle that is a violation of the Fair Credit Reporting Act, even though the debt is not mine.
Consumer complaint received 2022-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NJ)

after spending around 2-3 hours trying to log into my account by resetting my password this bank seems intent on keeping me out of my account. The instructions are sometimes muddled and always rushed ( 8 diget codes ). The process on a whole seems set up to frustrate one out of pursuing it.
Consumer complaint received 2022-02-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XXXX XXXX I filed disputes to all XXXX credit bureaus. XXXX, XXXX AND TRANSUNION. I DID NOT RECEIVE ANY INVESTIGATION WITHIN 30 DAYS. I've sent letters no response and complaints. I beyond frustrated at this time.
Consumer complaint received 2022-08-18
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: Experian Information Solutions Inc. (TX)

I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.