davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-08
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. (GA)

A complaint was submitted in XX/XX/XXXX regarding incorrect reporting of late payments on my credit report. The response from XXXXXXXX XXXX XXXX XXXX XXXXXXXX, is not following the rules of the Cares Act. As indicated in my original complaint, my payments are being reported as past due after entering into a payment modification relief program that is part of the federal Covid relief and in the state of Georgia called the HAF program. My loan was current at the time I entered into the program and was then reported as late while I was going through the approval process. I was approved for the program and my loan was modified and payments made to be current in XX/XX/XXXX. I am disputing the response from XXXX as they are not following the rules and limiting the protection of my credit as not being qualifying as I was not in forbearance. The definition of what mortgage assistance is included in the credit protection in the Cares Act is much broader and includes my situation as is defined specifically in the Cares Act and also specifically indicated on the National Credit Union Association website, https : //www.ncua.gov/regulation-supervision/letters-credit-unions-other-guidance/summary-coronavirus-aid-relief-and-economic-security-cares-act, as follows : Credit Protection During COVID-19 ( 4021 ) : The CARES Act requires credit reporting agency data providers, including credit unions, to report loan modifications resulting from the COVID-19 pandemic as current or as the status reported before the accommodation unless the consumer becomes current. This requirement applies throughout the period of accommodation. Loan modifications may include, but are not limited to, forbearance and modified payments. This requirement applies only to accounts for which the consumer has fulfilled requirements of the forbearance or modified payment agreements. This protection is available beginning XX/XX/XXXX, and ends 120 days after enactment, or 120 days after the date the national emergency declaration for the coronavirus is terminated, whichever occurs later. 
Please correct my credit report with all of the credit bureaus to show all of my payments paid on time and never late including the payment of 30 days late for XXXX, 60 days late for XXXX, 90 days late for XXXX, XXXX and XXXX.
Consumer complaint received 2017-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (DE)

XXXX XXXX correspondence which addressed the concerns of the complaint was not enclosed as stated by XXXX XXXXXXXX in theirXX/XX/XXXX response. They stated a payment history of the account from XX/XX/XXXX to the present for my record was enclosed, this is not true did not enclose the payment histor. Another complaint will be initiate for that information requiring XXXX XXXX to disclose payment history.
Consumer complaint received 2017-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Federal Tax Lein was released and withdrawn by the IRS With the withdrawal filed with the XXXX XXXX XXXX Transunion is not updating and removing this from my credit report as they are supposed to. They have updated it to a paid Tax Lien and not withdrawal
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

A complaint was submitted in XX/XX/XXXX regarding incorrect reporting of late payments on my credit report. The response from XXXX XXXX XXXX XXXXXXXX, XXXX, is not following the rules of the Cares Act. As indicated in my original complaint, my payments are being reported as past due after entering into a payment modification relief program that is part of the federal Covid relief and in the state of Georgia called the HAF program. My loan was current at the time I entered into the program and was then reported as late while I was going through the approval process. I was approved for the program and my loan was modified and payments made to be current in XX/XX/XXXX. I am disputing the response from XXXX as they are not following the rules and limiting the protection of my credit as not being qualifying as I was not in forbearance. The definition of what mortgage assistance is included in the credit protection in the Cares Act is much broader and includes my situation as is defined specifically in the Cares Act and also specifically indicated on the National Credit Union Association website, https : //www.ncua.gov/regulation-supervision/letters-credit-unions-other-guidance/summary-coronavirus-aid-relief-and-economic-security-cares-act, as follows : Credit Protection During COVID-19 ( 4021 ) : The CARES Act requires credit reporting agency data providers, including credit unions, to report loan modifications resulting from the COVID-19 pandemic as current or as the status reported before the accommodation unless the consumer becomes current. This requirement applies throughout the period of accommodation. Loan modifications may include, but are not limited to, forbearance and modified payments. This requirement applies only to accounts for which the consumer has fulfilled requirements of the forbearance or modified payment agreements. This protection is available beginning XX/XX/XXXX, and ends 120 days after enactment, or 120 days after the date the national emergency declaration for the coronavirus is terminated, whichever occurs later. 
Please correct my credit report with all of the credit bureaus to show all of my payments paid on time and never late including the payment of 30 days late for XXXX, 60 days late for XXXX, 90 days late for XXXX, XXXX and XXXX.
Consumer complaint received 2017-09-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

I co-signed for my niece to take out a student loan. The original amount was {$22000.00}, that was nearly XXXX years ago. The loan amount I 'm being told is now due is {$29000.00} XXXX unpaid principle ). Ive been paying {$100.00}, per month for XXXX years. Ive been trying to understand why my niece was being charged accrued interest during the entire time that we understood that her hardship grace period was in effect. The company 's representatives have not been able to explain in any wat that I can understand their accounting practices. 

My niece is still in school. She is not able to make any payments. 

From XXXX XXXX thru XXXX XXXX she was supposedly on a " rate reduction hardship ''. I was still making those payments throughout that time
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am writing to inform you that I have recently become a victim of identity theft and request your assistance in blocking accounts associated with the fraudulent activity from appearing on my credit report. 
I discovered the fraudulent accounts when reviewing my credit report. The following unauthorized account were identified. Please remove all fraud alerts and fraud victim statements from my file please. And do not add any alerts or freezes to my credit report files. 
The following accounts are not mine and do not belong to me, please remove : XXXX. Account Name : XXXX XXXX Account number : XXXX XXXX. Account XXXX : XXXX Account number : XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account number : XXXX XXXX. Account Name : PUBLIC RECORD BANKRUPTCY Account number : XXXX XXXX. Account Name : XXXX XXXX  Account number : XXXX I am requesting the following addresses to be removed from my credit file immediately : XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX CA XXXX
Consumer complaint received 2018-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NY)

This debt appears on my credit report by a third party lender. I initially requested to know who the loan originator was and denied that information. I have requested to have this information removed as the account has been added to my debt consolidation loan in XX/XX/2015. Once my loans were consolidated it should be a violation of my rights for them to continue to report it. I have contacted XXXX/ XXXX/ XXXX regarding my student loan and I have disputed it with the credit reporting agencies ( XXXX, Experian, and XXXX XXXX ) and the student loan companies are stating that the information is accurate and refuse to remove it from my account. XXXX XXXX XXXX told me that they have no accounts associated with my social security number. When I have them dig deeper they find accounts that are closed, paid in full. However ; they still appear on my credit report as a negative. When contacted, they told me that even though they accepted full payment and closed the account, the missed payments continue to be negative on my account. XXXX XXXX has my student loans in debt consolidation and it shows in good standing on my credit report. What is the point of paying off any debt if you have ever missed a payment? Companies can do whatever they want to consumers and it's basically too bad.
Consumer complaint received 2017-09-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MD)

I applied to the Public Service Loan Forgiveness ( PSLFP ) program because I work in a XXXX which is considered a nonprofit. I started working at the XXXX in XX/XX/2013 and soon after I began to make payments on my loan. The paperwork for the PSLFP took months to be processed. I inquired several times with XXXX and their service representative told me that the months would be retroactively applied towards the ten years. After several months they sent a letter stating that I was not on the correct payment plan so payments would not be applied to my ten years. The process took so long that I lost several months of payments that could have been applied. I have worked for a XXXX  for 4 years now and have made monthly payments towards my loan for those years, but the company is not recognizing those payments. I think it is unfair for my payments not to be considered when the company gave me incorrect information and months to respond to application requests. The program was meant to help public servants not prolong their payments.
Consumer complaint received 2022-03-10
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: Experian Information Solutions Inc. (NY)

On XX/XX/2022 I sent a letter to Experian notifying them that my consumer rights were being violated. I requested method of verifications for disputed accounts. I requested full reports of how accounts were validated, verified, and how they were in compliance with the FCRA. I did not receive the required information.
Consumer complaint received 2020-07-12
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Northwood Asset Management Group (MI)

Northwood Asset Management requested I pay the debt of {$1000.00}. I had bad cell reception so the call dropped and I had to call them back. The collector was confused and said if I call her office again she wall call the police. I apologized and explained the cell phone reception is bad. She then threatened to take my wages if I did not set up a payment plan. Since starting the payment plan in XXXX I have paid this account off and requested payment history summary. I was told this is only documentation proving the account has been paid I was allowed to have. I received the document stating I had made the payments to a collection account managed by XXXX XXXX XXXX. Now I still have a debt collection account for the same emergency visit on my credit report stating I owe this to XXXX XXXX XXXX. How can I owe for the same emergency visit to three different debt collection agencies? I have already paid this account in full by XX/XX/XXXX. I don't know who I paid this to, if this was a scam, or why someone is still asking me to pay again.
Consumer complaint received 2017-09-28
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: Experian Information Solutions Inc. (TX)

I began disputing an incorrectly reported item on my credit report with Experian an XX/XX/XXXX. I initially requested validation of a reported debt with XXXX XXXX in the amount of {$520.00}. On XX/XX/XXXX they sent me an updated credit report stating the debt had been verified as requested and updated accordingly. They never sent me anything bearing my signature as requested. They did however update the entry on my credit report as disputed. I once again sent another letter requesting validation on XX/XX/XXXX.  They sent me another credit report on XX/XX/XXXX stating the item was validated, updated as such and remains on my credit report. On XX/XX/XXXX I called Experian and spoke with a lady named XXXX. I asked her what documentation does Experian possess to prove that this is indeed my debt? She responded by telling me we do not have anything nor are we required to maintain any documentation. Can you imagine how much storage wed need to maintain documents for every persons credit file we maintain? I told her that Experian is in violation of the FCRA section 611 ( a ) ( 1 ) ( A ) by not doing so. She told me there is nothing she can do for me except file another dispute. Experian has failed to validate this alleged debt on more than one occasion. Their failure to maintain accurate reporting on my credit file is hurting my credit score and my ability to qualify for a mortgage.
Consumer complaint received 2017-09-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc. (NJ)

I received phone calls and tried calling back to find out about the debt. 
No written correspondence was sent to me. 
I informed company that I paid the debt and I emailed proof. 
I called back to confirm receipt of my proof of payment and they refused to accept my proof. 
They also refused to contact the initial creditor ( XXXX ). 
I spoke with XXXX XXXX ID # XXXX who refused to provide last name.
Consumer complaint received 2022-09-08
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: SYNCHRONY FINANCIAL (TN)

In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan s late for their purpose.
Consumer complaint received 2023-01-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

Equifax continues to violate my rights per the FCRA. ( 1 ) When I log into myequifax.com account It displays in accurate information? It shows my credit score as a XXXX and its a XXXX. This has been going on for several months now. I have contacted Equifax and they act oblivious like they have no knowledge of this. Now when I call Equifax. Now ( 2 ) They have blocked me as I enter 100 % accurate account information in order to speak to a representative they state they I am not and cant be helped at this time. I am attaching screenshots from my account to prove what Im saying is true. Equifax is committing fraud am by charging me {$4.00} per month for a service they refuse to give me access to. At this time I am asking Equifax to immediately correct the situation and or or pay me {$3000.00} for each each violation mentioned or I will file a lawsuit for each violation, fraud, and damages. I have a right to access my credit report, I have a right to have 100 % accurate information being reported and they are not meeting the requirements per the FCRA
Consumer complaint received 2017-09-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: All State Credit Bureau, Inc. (MI)

I received correspondence from XXXX XXXX XXXX in an attempt to collect multiple debts. XXXX XXXX XXXX has themselves listed as the original creditor with no account information listed. Please be advised this is not a refusal to pay a debt, but a notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is required.

I have no knowledge of this account or any knowledge of any contract with this institution. I request that you please verify the following information to assist identifying whether this debt is valid : 1. Full original account number 2. Date original account opened 3. Any and all written agreement ( s ) between myself and the diversified consultants stating I agreed to pay alleged debt 3. Consumer address at which original account was opened 4. Date of first delinquency 5. Itemized calculation of alleged debt Original signed contract between myself and this creditor, not a copy.

If XXXX XXXX XXXX is unable to provide all of the above identifying account information I will have no recourse but to presume the debt invalid and/or fraudulent and request account deletion from all credit reporting agencies without further discussion of payment in full or partial settlement.

This is my attempt to verify the validity of this alleged debt and I appreciate your transparency and cooperation.

Please conduct all communication through written correspondence to the following email address ( s ) only : Name : XXXX XXXX Email Address : XXXX   Other : XXXX XXXX XXXX XXXX XXXX XXXX NY , XXXX.

Absolutely no phone calls. If correspondence from XXXX XXXX XXXX in any manner other than permitted I will cease all communication ( invoking my legal right to request XXXX XXXX XXXX to cease communication ) with the presumption that the debt is invalid and that I own zero responsibility ( in part or whole ) for the repayment of said debt.

Thank you for your assistance.
Consumer complaint received 2017-09-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (FL)

1. XXXX XXXX filed a fraudulent foreclosure in the Fourth Judicial Circuit in and for XXXX County Florida case  no. XXXX. 
2. The case has fraudulent Notes, Assignments, and  Complaint because the Complaint is notarized the year before it was even made. 
3. The court gave a default judgment to the Plaintiff that does not exist.
4. Another department of XXXX XXXX XXXX XXXX says the note and mortgage this is attached to the loan number on my house is not in their system, so they do not own it.
5. This has been told to court but they refuse to listen because they are stealing properties from the American people and making millions of dollars. 
6. Attorneys are working with the judges and clerk of court aiding in the theft of properties using the name of the banks and trust.
7. I have a letter from the Plaintiff stating that a REMIC Trustee can not file foreclosure on a property. 
8. XXXX XXXX assignments were intentionally left out of the case showing ownership and break in the chain of title.
9. The Mortgage statute of limitation on lawsuits is being ignored.
10. These USC 18 Section 4 felonies reported to judges and sheriff are being ignored.
11. The SEC securities Fraud being committed by banks is being ignored.
12. The IRS tax evasion by courthouses is being ignored.
13. Identify theft creating new loan number without authority to do so.
14. My home is set for an unlawful sale XXXX XXXX 2017.  This property theft in progress is being reported to you.
15. FDCPA violations created.
Consumer complaint received 2017-09-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (GA)

I have tried multiple times to pay this account. When XXXX call XXXX XXXX they say it is with a collection agency. Then when I call the collection agency they say its been with XXXX XXXX. This debt is still showing up late on my account but there is no way for me to pay. How can I be held accountable for This if it 's no way for me to pay? This is causing my credit to go down and this is my final step before legal action.