davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-26
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. (TX)

ON XXXX/XXXX/XXXX I called XXXX XXXX XXXX formally known as XXXX XXXX XXXX XXXX at telephone number XXXX about a collection on my credit report I spoke with a rep by the name of XXXX that stated he could not hear me I asked him to hold while I adjust my phone he hung up on me. I then called the same number back ( XXXX ) again and spoke with a XXXX XXXX that first asked me the spelling of my last name then first name and then my date of birth. I told her that I had a copy of my credit report and it had her company listed and I was not familiar with that company nor did I owe that company. She stated to me that her company purchased my account from XXXX XXXX XXXX for a XXXX XXXX that I received on XXXX/XXXX/XXXX. First of all I never received a XXXX because the wait was long I left the hospital, so the hospital charged the insurance company for service I never received, needless to say then supposedly send me to a collection company for service or something that I never heard of. I asked her if she could send me verified documentation with my signature and social security number to verify what she saying is correct and she said that she would not have that information. I then stated to her unless she could verify that I owe her company {$1300.00} the collection from her company should be removed from my credit report immediately. She refused and stated that the amount and debt was valid. I told her that I never received any services from XXXX and she again stated that I received a XXXX XXXX. If I would have received any service for the collection company to know what service a hospital provided if any were provided is against HIPPA violations so for that reason alone and the fact that I never received any services and nothing can be validated I am requesting that again XXXX XXXX remove this insane debt off of ALL XXXX OF MY CREDIT REPORTING AGENCEIES ( XXXX, EXQIFAX, XXXX ) it 's  damaging my credit rating and causing me hardship of not being able to purchase my home. Thank you
Consumer complaint received 2017-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: DISCOVER BANK (NY)

I realized in  XXXX  of  2017 th at my interest rate was changed. It is currently 29.9 %. When I opened the account it was in the low teens. I did have one late payment in  XXXX  on this account. I have called the company, they offered to increase credit line and lower future rate, but would do nothing on my current rate. I would like a full accounting of when and reasons why my interest rates were changed since the inception of my account
Consumer complaint received 2015-04-30
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: Ditech Financial LLC (GA)

I had a Heloc with Greentree. That loan was paid off in XXXX of 2010 when I financed my home. I am the process of refinancing again and in the process found a lien on the property. There was never a release filed after the closing by Greentree. I have made many calls, as well as the closing attorney, handling my refinance, to Greentree attempting to get a release since the beginning of XXXX and still have not received a release. As I understand it that release notification was to be done within 2 months of the payoff of the loan and here it is 4.5 years later and nothing has been done and I am getting no satisfaction from Greentree. I have talked to many people at Greentree and I never get a straight answer from them. I asked for them to email or fax a copy of the release and they tell me they ca n't because it is in the documents dept and they take 30-45 days to process. So here we are past that time frame and still nothing has been done. This is the most unprofessional organization I have ever dealt with.
Consumer complaint received 2023-08-21
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: EQUIFAX, INC. (VA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX, L ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX.
Consumer complaint received 2019-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: U.S. BANCORP (IL)

I was told by US BANK that they were not reporting my accounts back to my credit report even though the mortgage has been modified and the auto loans was just listed in the chapter XXXX bk that was dismissed in XXXX 2018 due to payment amount being increased. I was still making the payment for the auto loan with US bank.
Consumer complaint received 2019-06-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY (SC)

Please be advised that at this time XXXX and XXXX XXXX have retained a third party debt mitigation company to help us and see if a bankruptcy filing can be avoided. Accordingly, we hereby submit a cease and desist from all creditors, and suggest that all correspondence and/or debt settlements be submitted by email to the following email address : XXXX. 
We will negotiate each creditor on a one on one basis, and hope that all creditors either submit negotiated settlements directly, or through their third party debt collection agency or debt buyer.

We submit the matter through the Consumer Financial Protection Bureau as a paper trail showing our due diligence in working ourselves out of debts without bankruptcy.
Consumer complaint received 2023-08-21
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. (FL)

I am writing to file a formal complaint regarding a potential violation of 15 U.S.C. 1681a ( 2 ) ( i ) under the Fair Credit Reporting Act. I believe that the information provided by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in a consumer report has not complied with the exclusion outlined in 15 U.S.C. 1681a ( 2 ) ( i ). Which state that Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The consumer report I received from XXXX, XXXX and Equifax contained information that was solely related to transactions or experiences between me and the entity making the report, as per the exclusion outlined in 15 U.S.C. 1681a ( 2 ) ( i ) However, I believe that the information provided in the report did not adhere to this exclusion and included elements that extended beyond the scope of transactions or experiences between me and the entity. 

I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that my rights under the Fair Credit Reporting Act are upheld. 

I understand the importance of accuracy and compliance with federal regulations in the handling of consumer information, and I trust that the Consumer Financial Protection Bureau will thoroughly investigate this complaint.
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Adjusters, LLC (TX)

I have disputed this account through the company and through previous complaints with the Consumer Finance Protection Bureau, with a collection from NCA or XXXX. The collection is for the same payday loan. The collector agreed to delete this account due to inaccurate information. However when I dispute this same account to have it removed from my credit report XXXX refuses to remove it. I have proof of the account deletion and have had no problems with XXXX removing the account in a professional and timely manner. Ive had to dispute this same account multiple times with XXXX with no success on their end. Also all other creditors are showing this collector as XXXX XXXX, its only showing up as NCA through XXXX but it is still for the inaccurate loan from speedy cash.
Consumer complaint received 2019-06-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MI)

1. We used a report issued by an FHA appraiser in order to qualify for this loan.

2. Later, I had a secondary inspector come and look through the house.

3. He gave me the report that is attached to this email. And he also said that he thought that the house was such that it should never have qualified for FHA approval.

4. He suggested that the license of the person who made this appraisal should be pulled.

5. I contacted the FHA to let them know that they had possibly a corrupt or sloppy inspector.

6. They told me that I should contact the loan servicer as the first step.

7. And so, here we are.

( Please note that the INDEPENDENT home inspector found about {$7000.00} worth of repairs that would have been necessary to make the house qualify for an FHA loan. Those are {$7000.00} that I have to come up with out-of-pocket in order to get the house up to code, even though it was not up to code a single day of the six months that we have lived in it. The house is a fire hazard, if for no other reason than the fuse box that needs to be replaced because it is out of date and out of code.. ) Attached is the report from the secondary inspector, which the mortgage Servicing Company already has. 

XXXX XXXX
Consumer complaint received 2023-08-21
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. (CA)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-12
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: Home Loan Center, Inc. (IL)

Ive recently received a letter about trying to qualify for a loan thru XXXX XXXX XXXX XXXX in witch Ive never heard of or applied for now my credit score and personal information was provided to them thru XXXX XXXX which Ive called and asked to be removed from and who they were and why they had access to my personal credit information without my knowledge
Consumer complaint received 2019-06-12
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: GOLDMAN SACHS BANK USA (IL)

Ive recently received a letter about trying to qualify for a loan thru Marcus by Goldman Sachs in witch Ive never heard of or applied for now my credit score and personal information was provided to them thru XXXX XXXX which Ive called and asked to be removed from and who they were and why they had access to my personal credit information without my knowledge
Consumer complaint received 2019-06-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Time Investment Company, Inc. (SC)

Please be advised that at this time XXXX and XXXX XXXX have retained a third party debt mitigation company to help us and see if a bankruptcy filing can be avoided. Accordingly, we hereby submit a cease and desist from all creditors, and suggest that all correspondence and/or debt settlements be submitted by email to the following email address : XXXX. 
We will negotiate each creditor on a one on one basis, and hope that all creditors either submit negotiated settlements directly, or through their third party debt collection agency or debt buyer. 
We submit the matter through the Consumer Financial Protection Bureau as a paper trail showing our due diligence in working ourselves out of debts without bankruptcy.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TN)

LexisNexis requires you to request a report online, then sends you instructions by mail, to access the report online. This process takes weeks and is purposely designed to makes it difficult on the consumer.
Consumer complaint received 2019-06-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (FL)

In XX/XX/2017, I was contacted by XXXX XXXX to consolidate my student loans. I was informed that this consolidation would not impact my Chapter XXXX bankruptcy. Unfortunately, the representative did not know what he was talking about and it definitely affected by Chapter XXXX status. I was immediately put into repayment status. However, when I contacted them to explain the mistake, they admitted that I was misinformed and stated they were unable to provide me any assistance since it was too late to reverse the consolidation. I was furious, but felt my hands were tied. Then, I attempted to contact them again to begin making repayments under the income-based plan. I was again informed that they made a mistake and consolidated my student loans with a small Parent PLUS loan taken on behalf of my daughter. Again, there was nothing they could do but offer me further forbearances. I am never going to pay back my loans as a XXXX XXXX XXXX  without additional assistance. My loans are doubling with interest and no one is taking responsibility for their mistakes. I have attempted to work this out with the lender but they are not willing or able to correct this outrageous grievance.
Consumer complaint received 2019-06-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

To whom it may concern : Please see information attached which shows I signed and agreed to a modification on XX/XX/XXXX. Due to unemployment until XX/XX/XXXX, per the attached agreement I informed Bayview of my Employment and on several occasions contacted the office to put my loan back in good standing as Promised.Instead I now have a higher interest rate and also added interest separated from my principal in the amount of over {$37000.00} since XX/XX/XXXX I have paid more interest, and I have interest which is waiting for me to pay the loan in full. My loan was paid up by XXXX XXXX XXXX until i got a Job. When I started back to work the loan was caught up. I have tried to correct this for over 4 years. 
I am reaching retirement with my mortgage, in a situation that I was promised that the loan would be Refinanced or modified by Bayview, however when I called they told me they had no authority to do what they promised. I feel the promise was just to get me to sign the paperwork.Speaking to Representative after Representative then Mortgage transferred to still getting no help. Phone call after phone call has caused me so much frustration, I do not think at XXXX years of age I should have this battle, therefore I am really hoping to get this settled with help from CFPB. This is my second request for help, my property value is not increasing, and the home needs some repairs.I will be retiring in XX/XX/XXXX, and would like to do so in peace. I am providing the attached information. 
Regards, XXXX XXXX
Consumer complaint received 2023-08-21
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: EQUIFAX, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2016-12-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (NV)

I had a checking account with US Bank that I requested to be closed in XXXX. It was never done and they continued to charge me fees. Then they forced the account closed in XXXX with an outstanding balance for XXXX. I have been making payments to the collection agency on that balance since as I was unable to get US Bank to waive any of those fees. There is a payment plan in place. The account is closed and I 'm paying fees for them forcing the account closed. Then in XXXX there was a refund issued to that closed account of XXXX ( not sure where the refund came from ), US Bank then reopened my account for the XXXX and sent me a deposit statement. Then US Bank charged me XXXX for that paper statement, making the account negative. SO they reopened the account that was closed and charged me to close the account in the first place, XXXX in fees, which I have been paying. Then charged me XXXX to send me a paper statement, on a closed account that I 'm paying the collection agency for. I have written them several letters regarding this and they continue to send me a statement each month showing a negative balance. I closed this account, they never closed on their end and say they do n't see my request. Then charged NSF fees, monthly service fees and eventually closed the account, charging fees for that too. When I finally received the letter that the account was closed back in XXXX 2016 ( 5 months after I asked them to close the account ) they said I owed XXXX in fees. I set up a payment arrangement with the collection agency and have been paying. I wrote them many times over several months disputing the charges and the account balance, to no avail. So now months later they took it upon themselves to reopen this account and again start charging me fees.
Consumer complaint received 2019-06-11
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: ID Analytics, Inc. (IL)

Ive recently received a letter about trying to qualify for a loan thru XXXX by   XXXX XXXX in witch Ive never heard of or applied for now my credit score and  personal information was provided to them thru SageStream Llc which Ive called and asked to be removed from and who they were and why they had access to my personal credit information without my knowledge
Consumer complaint received 2019-06-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I sent a cease and desist order to Portfolio Recoverys corporate office and billing office. Two of the accounts they are calling for were settled in a court of law. The most recent is currently being paid off now under a new debt settlement offer. They call from multiple numbers. I have kept a record of all the numbers they call from before the cease and desist order and after the order was sent. The cease and desist order was mailed XXXX XXXX. They call multiple times a day from different states. They have no reason to even be calling me. All accounts associated with this unethical company have been addressed In the Justice Court XXXX County, Texas Precinct XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, Texas XXXX. XXXX. Under Judge XXXX.