davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-08
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 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 XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX  XXXX {$0.00}
Consumer complaint received 2021-05-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION (AZ)

Last year I applied for a VA Streamline refinance for an interest rate deduction with my mortgage lender, Navy Federal Credit Union ( NFCU ). Shortly after I signed my closing documents, I received an email from NFCU stating that there was a short and that I need to pay an estimated {$4500.00}. I complained to NFCU and submitted a complaint via CFPB. According to NFCU in a follow-up call, the issue was created from monies deducted from my escrow account to pay XXXX property taxes. NFCU further stated that the problem was resolved and that I did not have to pay the money. In XXXX, I received a final notice from the XXXX County tax collector 's office requesting payments for the property taxes. I contacted NFCU about the issue, and during the initial conversation on the phone, an agent assured me that the taxes were paid and there was documentation to back that up. Not being satisfied with the answer, I decided to conference the property tax office to discuss the issue. The property tax office denied receiving payments from NFCU during the call, which lead the agent to conduct further research. It turned out that NFCU had not paid the taxes ; therefore, they could not provide the proof of payment that the tax office was requesting. NFCU has since settled the tax bill on XXXX XXXX, XXXX ; however, they're requesting that I pay the money back. I feel they misled me because I paid {$5000.00} during closing for the refinance, and now I'm asking to come up with additional funds. My closing disclosure clearly states that taxes and insurance updates were part of my loan estimates.
Consumer complaint received 2018-03-02
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. (AZ)

On XX/XX/2018 I received an alert that a hard inquiry had occurred by XXXX. 

I phoned ( XXXX ) XXXX, and it did not sound legitimate, so I tried going through my credit monitoring, but can not determine how to dispute. 

I never authorized a credit inquiry, and have no idea of this company.
Consumer complaint received 2023-04-10
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: CITIZENS FINANCIAL GROUP, INC. (GA)

Date of Inquiry ; XX/XX/2021 Company : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RI XXXX Request Originator is fraudulent activity and I have already contacted all 3 credit bureaus and reported this fraudulent activity that was not authorized by me or attached to any open account. I am contacting you guys to have this fraudulent inquiry removed.
Consumer complaint received 2021-05-28
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelnet, Inc. (KS)

Firstmark Services claims I owe them for a student loan debt that was purchased from XXXX XXXX. I was made aware of this on XX/XX/2021. On XX/XX/2021, I requested validation of the debt within 30 days and was advised on XX/XX/2021, that a copy of the promissory note would be sent to me with 2-3 business days. It is now XX/XX/2021, and I have been provided absolutely no documentation to validate this debt is mine. Firstmark has since reported the debt to credit bureaus ( even without the ability to verify its validity ) and has continued to attempt to collect the debt while it is in dispute. I received notices this week via both email and physical letter that the account is past due, even though the validity of the account is in dispute an unresolved. It has been almost 45 days since I requested validation of the debt and I have been provided nothing while Firstmark continues to attempt to collect.
Consumer complaint received 2021-05-28
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: GOLDMAN SACHS BANK USA (FL)

Apple Card ( issued by Goldman Sachs ) has frozen my card for over a month now. When I call into customer service no details are given and no timeline is given. Simply that my account is under review indefinitely. The last time the customer service team reached out to me was XX/XX/XXXX and it has been a month now with no movement and I cant use my credit card. This feels fraudulent / unfair. What is the purpose of a credit card if in fact you cant use it!
Consumer complaint received 2022-10-12
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

XX/XX/XXXX the creditor and I decided on a settlement which was completed and paid as we agreed in the amount of {$1500.00}. When speaking to the lender i was explained the negative remark would of been removed within XX/XX/XXXX after the payment was successful. 

As of today XX/XX/XXXX they wouldnt agree to remove the remark on my credit when I was promised so. I'd like to make a complaint for not commiting on what we agreed on back on XX/XX/XXXX.
Consumer complaint received 2021-10-21
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. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-01-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  Data breach and may have got into the hands of the wrong person
Consumer complaint received 2021-05-28
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. (FL)

Transunion credit reporting agency. Reporting in my credit record a collection account that was paid in full XX/XX/2021. Their investigation results ware wrong and keep reporting this account as past due and open.
Consumer complaint received 2021-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (MS)

I have maintained my account with Citibank for several years. Never a late payment. 

I had a credit line of {$4600.00} My XXXX statement had a balance of {$3500.00} I paid {$2000.00} XXXX before due date, not late ) reducing my balance to roughly {$1500.00} and had {$700.00} in new charges putting my balance around {$2200.00}. 

I get a letter dated XX/XX/XXXX saying my credit line had been reduced to {$2300.00}. I was a little upset that my card just went from less than 50 % usage to 96 % which would have hurt my credit already. However, after adding interest and fees 4 days after the letter this put my card at over 100 % usage and over limit reported to the credit agency 's further hurting my score. 

So I went from paying {$2000.00} to reduce my usage rate ( I am in the middle of refinancing my house ) and a little over 45 % usage to over limit with virtually zero notice.

Obviously, this has a negative impact on my credit score. 

For reference, I have zero late payments on credit and no cards over the limit.
Consumer complaint received 2021-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

Equifax has been reporting a consumer statement that I DID NOT ASK TO BE REPORTED OR INCLUDED ON MY CREDIT REPORT. I have called numerous times and requested/disputed that this statement reported that is not attached to any of my accounts be removed. They process my disputes and never send any results. I have called today to inquire why its still being reported and the agent could only state that the results of the investigation is that the statement has be updated. The statement does not refer to any account and i never wrote a consumer statement or ask for a statement to be put on my file. This statement is causing me harm and needs to be removed. Please assist me in getting this consumer statement removed from my credit file with equifax.
Consumer complaint received 2021-05-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (TX)

Credit MGMT XXXX XXXX XXXX XXXX Tx, XXXX Date : XXXX Amount {$110.00} account NO. XXXX It was taken off my credit years ago, but it seem the company sells this account to someone else and put it back to my XXXX  report. I demand it off or we will file a claims action law suit.
Consumer complaint received 2022-08-17
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. (CO)

I notified Experian, XXXX, XXXX by XXXX Mail on XX/XX/2022 that I disputed the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX acct Acct XXXX XXXX XXXX and # XXXX And supplied documents supporting why accounts were inaccurate including Billing statements, Bank Statements and Copy of Credit Report and to their Fraud Dept I sent Letter from FTC that the following accounts were due to Identity Theft and I included Police Report # XXXX Affidavit and FTC report XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXXXXXX XXXX : XXXX. 
Acct # XXXX XX/XX/2022 XXXX sent by Certified Mail a letter requesting investigation of all accounts previously stated to investigate if every piece of information was 100 % correct if found to not be correct to remove from my Credit Report The credit Bureaus stated Accounts was properly investigated but how is that possible if date Last Verified is inaccurate, Date Reported is inaccurate, date Opened is inaccurate, Last Payment date is inaccurate, Account Type is inaccurate, Creditor Type is inaccurate, and Payment History is Inaccurate, and Payment Frequency is not accurate. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 Section 604 ( A ) XXXX The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 
I haven't given these accounts written permission to furnish these accounts on my credit report as well XXXX5 U.S..C 1681 Section 602 ( A ) States I have the right to privacy 15 U.S.C 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) ( A ) ( i ) ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In XXXX, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; 15 U.S. Code 1681b ( a ) In generalSubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
I never supplied written instructions to furnish Report to anyone
Consumer complaint received 2022-01-09
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)

I disputed an account, XXXX, that was the product of identity theft. The company removed it but then added it back through Equifax despite knowing it was a fraudulent account. I would like it removed. The FTC Report Number is XXXX.
Consumer complaint received 2022-03-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENOVA INTERNATIONAL, INC. (GA)

The company NC Financial has been reporting on my consumer report incorrect information. It's reporting as a charge off and a collection at the same time. But doesn't show who owns the account currently. This is a violation of the FCRA 1681s-2 as they have the responsibility to furnish accurate information to consumer reporting agencies.

They also have not complied with the FCRA and replied to my requests for validation per 15 U.S. Code 1692g.
Consumer complaint received 2021-10-21
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (MI)

I am asking for cooperation from NationStar Mortgage, LLC OFF Loan no. XXXX and given XXXX XXXX. XXXX given Title commitment I just did not proceed with this loan and is an resolution to the Mortgage and Insurance fraud by XXXX XXXX, XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. That on XX/XX/XXXX I received from XXXX XXXX dated XX/XX/XXXX as the corrective order Title Ownership to XXXX XXXX and XXXX XXXX order no. XXXX and again, again and again over XXXX  never paid XXXX for XXXX XXXX XXXX XXXX, mi XXXX and is A Big Fraud. 

Which means XXXX XXXX faked a title commitment no. XXXX and which means XXXX XXXX XXXX also faked clear title which is the reason the on XX/XX/XXXX michigan state treasury sent myclaim id escrow XXXX to XXXX  and XXXX contacted me contacted me with a claim number as XXXX and they are clearly lying to the CFPB and should face penalties.
Consumer complaint received 2021-10-21
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

In XXXX I was the subject of identity theft and a credit card was opened in my name with XXXX One/Saks Fifth Avenue . Several thousand dollars were charged to the account and I discovered the fraud when I checked my credit report. I filed a police report and communicated with Capital One/Saks Fifth Avenue and the three credit reporting agencies and the fraudulent account was deleted from my credit report in XX/XX/XXXX. I have now discovered that XXXX XXXX filed a derogatory report against me with XXXX in XXXX, almost a year after the fraudulent account was deleted. XXXX has explained to me that Capital One sold the account to Portfolio Recovery AFTER CAPITAL ONE KNEW the account was fraudulent and Portfolio Recovery should have known as well. This has now adversely affected my credit rating and I want the derogatory report removed. XXXX claims it can only do so if Capital One or XXXX XXXX takes action. A copy of the XXXX dispute resolution dated XX/XX/XXXX reflecting the deletion of the fraudulent account is uploaded.
Consumer complaint received 2022-10-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OH)

In XXXX I was going to update my income for the year with navient student loans and then President Biden put a pause on payment so I stopped at that point. XXXX sent me a bill anyway for something like {$2000.00} and then in XXXX President Biden put the pause on payment until 2023 and that again send me a different bill for a little over {$1000.00}. There's {$900.00} there for I don't know what reason there's a charge for late fees but it doesn't explain why and in a regular payment of approximately {$14.00} I can't survive at my age of XXXX pay a house along with inflation otherwise I'll have to live on the street. I need an amount that I can pay that makes sense I'm unlimited income I'm already working a part-time job just to try to make ends meet.
Consumer complaint received 2021-07-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: AAA Auto Title Loans, LLC (NV)

I have already paid back over XXXX k on a XXXX loan and they keep harassing me they call my job and now they sent a man to my home at XXXX XXXX  at night, I tried to explain this and they won't leave me alone, now they are suing me in small claims court for a loan I paid more than 3 times what I borrowed? 

Please get them to stop harassing me and cancel this bogus, suit, to stop the harassment and close this account I have already paid off.
Consumer complaint received 2021-10-21
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. (PA)

These accounts are fraudulent and need to be terminated from my credit report as soon as possible. I am a victim of identity theft and did not make these charges whatsoever. Please remove these alleged accounts as soon as posssible. I reported this and have also included the FTC Affdavit thats lists then fraudulent accounts. Please delete these alleged charges/accounts as they are causing a substantial amount of harm and inconvenice to me as consumer. I XXXX XXXX am making this complaint. This is not a 3rd party you guys tried that before. I've provide 2 FTC Affidavits.
Consumer complaint received 2020-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION (NJ)

On XX/XX/2020 I opened a bank account with PenFed Credit Union. At the time I was informed that they would perform a " soft '' credit inquiry that would not effect my credit report negatively. However, shortly thereafter on the same day my XXXX score plummeted. My score decreased 40 points!! This was exceptionally disappointing because I was & still am in the process of repairing my credit. I've written them & have also spoken with the bank 's representatives several times now without any resolve.
Consumer complaint received 2023-01-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (SC)

This was in 2018 Well Fargo, put my Property in foreclosure because they Draft from the wrong account and the money was not in that account. I were just beginning to get on track with my payments from a foreclosure.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I applied for a business credit card with XXXX, I have been a card holder since 2017. I have never missed a payment over 30 days. I setup autopay but the payments were never deducted from my account. I noticed the lates on my credit report thats how I knew about the lates to my XXXX  business credit card. I was never properly notified that that I missed a payment. I never received a phone call, a email text or mail for the bill.
Consumer complaint received 2021-05-28
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: National Credit Adjusters, LLC (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2020-11-04
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. (LA)

Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.