davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (FL)

To whom this may concern ; I wrote LVNV Funding LLC back on XXXX XXXX as of today XX/XX/2021 I have not received the requested documents of validation on this account their reporting that I owe {$320.00} which I have not ever had an account with them they're reporting inaccurate information on my credit report and this has caused a great deal of stress I need for them to remove this account from my credit report immediately. They have shown no proof of such debt, I've also attached return receipt They received both letters on XX/XX/2021 signed by XXXX XXXX
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (OH)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

XXXX XXXX  XXXX AND XXXX XXXXL ARE IN VIOLATION 15 U.S. Code 6802 A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Consumer complaint received 2021-11-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (SC)

I was served with foreclosure papers the week of XX/XX/XXXX. I was currently in a loan modification and they denied it after I'd been paying 6 months through the website. They say it was denied due to missing paperwork. Now, they've locked me out my account online. They won't accept payment unless I pay them {$20000.00} to reinstate my mortgage. I don't know what to do. I've asked for copies of the documents they've claimed to have mailed but I'm currently waiting 7 to 10 business days to get them. They haven't set a foreclosure sale date. I can provide the documents they need if they send them to me. I don't want to lose my home. I feel like I'm in a foreclosure scam with this company. They expedited foreclosure on the account in less than 30 days while receiving payments for the last 6 months during trial modification.
Consumer complaint received 2024-02-14
Product: Credit reporting 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. (TX)

I went from having a XXXX something credit score to going up to over XXXX and then my score disappearing and cant get a score on XXXX, Equifax, or XXXX. Now I cant get access to my credit that is mine by right. I'm getting turned down everywhere because of this. I called XXXX and raised serious concerns and spoke to several people over the phone and followed the dispute procedure over the phone and nothing top help. This is causing undue hardship on me and my family. Its not possible for me to not have any credit file when I've been using my credit since I was XXXX and I'm now XXXX.
Consumer complaint received 2021-11-01
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. (OR)

I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 48 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2016-08-10
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (CO)

My husband and I had a mortgage loan with US Bank. We never paid the loan late. We paid the loan off on XXXX XXXX, 2016. However, the lien on our house has never been released. We have contacted the bank " a lot ''. The bankers are very nice. We have letters saying they are releasing the lien. However, XXXX XXXX we live in, XXXX XXXX, Colorado says the lien has not been released. We are concerned that if we just let this go the lien release will not be completed and we will have more problems in the future.
Consumer complaint received 2021-05-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Following up to Complaint ID : XXXX because I am still awaiting a response from Bank of America. They did not approach and respond to any of the addressed issues. Please reference the following the above Complaint ID with an adequate, relevant response to the topic at hand. I have waited more than the average response time for a company reply on the Consumer Financial Bureau twice now. I am unsure of the current status of the accounts and only approach to resolve at this point. I have been more than transparent and reasonable with this issue. 

I mentioned in the last Complaint that Bank of America charged my accounts off, which I have evidence or then threatened to sue me via mail some time ago. When attempting to resolve the issue internally on several occassions, many of which took place months and months ago, Bank of America said they could not work with me financially even after I took heed to their advice of going two months behind, which brought down my credit score significantly. Even after doing this, they still offered me no internal financial plans, options, or suggestions as to an appropiate resolve given the pandemic and my current situation during this time. 

At this point, Bank of America is appearing to once again be negligent to the situation and not being transparent in terms of their desired approach and/or proposed resolve to the debts. 

I am extremely disappointed and dissatisfied with their service and their lack of customer support and/or lack of customer solutions. If Bank of America keeps remaining negligent and not complying to Federal COVID relief laws, I will have to move on to a bank that does. 

The Consumer Financial Bureau portal is the best method of contact for me.
Consumer complaint received 2021-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Verisk Analytics Inc (CA)

The company is stating that they are verifying/researching information about a bankruptcy to XXXX services ( please see attached where XXXX shows verified as accurate ). It is impossible to verify the information as the bankruptcy court does not verify the information ( see attached letter from bankruptcy court ). They are pulling there " verified '' from public records which have errors and can not be verified in this situation ( please see the attached letter from LCI ). Per the fair credit reporting act all information has to be able to be verified or needs to be removed from there system. Since they provide the information to XXXX and are certifying that it is correct, this is a breach of the reporting act and a blatant lie. This is not the first time they have been caught. Refer to cases : Legrand v. IntelliCorp Records , Inc., No. 15-cv-2091 ( N.D. Ohio ) - an FCRA class action Roe v. IntelliCorp Records , Inc. , 12-cv-2288 ( N.D. Ohio ) - an action alleging violations of FCRA sections 1681k and 1681 ( e ) ( b ) Also please see attached from XXXX XXXX that they removed said bankruptcy as they are unable to verify that it is correct on the public records
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (FL)

XXXX XXXX  XXXX AND ALLY FINANCIAL ARE IN VIOLATION 15 U.S. Code 6802 A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2021-05-19
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC (NC)

I took the loan out in XX/XX/XXXX to help start a XXXX XXXX  position and immediately following, I was rushed to the hospital with barely a XXXX. I was in the hospital for days and was XXXX  for the remainder of the year. They started reaching out during the spring XXXX to collect and I explained everything that happened. I was going to pay as soon as I was able to return to work. It was transferred to National Credit Adjusters and I spoke with a representative about payment and deletion of this negative information in XX/XX/XXXX. It has been months since I paid it off but it dropped my credit score to XXXX from XXXX. I am trying to buy my home back after doing a quick sale when I was getting separated in XXXX. The man who bought it, was aware of my situation and how my husband stopped paying the mortgage out of spite, and he did so with the intention of selling it back to me once I returned to work and became financially independent. I cant get anywhere with NCA and I paid it off and closed the account but they didnt delete it. All of my payment history in the past 20 months has been on time since recovering from my hospitalization and I am not getting anywhere with them.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.
Consumer complaint received 2021-05-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to XXXX you caused me.
Consumer complaint received 2021-11-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK (CA)

Discover Bank filed lawsuit in XXXX XXXX XXXX on XX/XX/2021 without notifying. The balance on the account which was active was subjected to termination due to mis payment & arrangement with third party XXXX XXXX XXXX XXXX. The last payment was done of XX/XX/2021. There is balance to catch up, and surprised with lawsuit as payment arrangement was made with third party due to Discover Bank online payment getting disabled. Had good history keeping up with payments with some reason on missing out payment schedule due to personal & business trips.
Consumer complaint received 2021-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (NY)

On XX/XX/2021, I received a call from Barclay 's Fraud Department regarding charges billed to me. I verified I did not make any of the charges and verified that I had both credit cards associated to my account. All transactions were credited and was to be investigated by their fraud department. One charge was rebilled to me on XX/XX/2021 in the amount of {$1200.00} because I used this vendor in the past and had to prove that it wasn't my charge. On XX/XX/2021, I faxed all information to XXXX. Fraud team was to review and call me back on XX/XX/2021 and so far no one has. Just recently received my credit card statement and the charge is still there. I constantly call the Investigation Unit at XXXX and no one picks up. Average time I spend waiting is 1 hour. I receive letters in the mail advising I am not responsible for charges I did not make, however, Barclays is holding me responsible for this charge. I called the regular JetBlue number and they found and emailed me a copy of the transaction and advised me transaction is consistent with fraud. My credit card was used to purchase roundtrip tickets and was canceled within one hour and instead of being refunded, it was refunded to a XXXX XXXX that it not associated with my account. Investigation unit continues to hold me responsible for the charge.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

On XX/XX/2023, I submitted disputes to the credit bureaus about fraudulent accounts. Till date I still havent received any responses or updates to my credit report. 15 U.S. Code 168c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft, no later than 4 business days after the date of receipt. 

These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2021-11-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Love, Beal & Nixon, P.C. (OK)

Love Beal & Nixon not only filed suit against me for a fictitious debt that I do not owe but also failed to properly notify me and properly serve me, Love Beal & Nixon are attempting to collect a debt I do not owe. Love Beal & Nixon also failed to send written debt validation. Furthermore, Love Beal & Nixon recently furnished redacted information to the District Court of XXXX County State of Oklahoma. It is evident that this Love Beal & Nixon have furnished falsified statements and documents in attempt to collect I debt I do not owe. After careful research I have discovered that Love Beal & Nixon are debt buyers and have a history of purchasing debts from various creditors for nominal amounts and or creating fictitious debts with consumer information.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I have unauthorized inquiry On my report And would like to remove If you can not provide such as Signature in Writing from stating that i Authorize these account And inquiry. According to the FCRA any inaccurate item On my credit report that is not XXXX percent verifiable Or accurate must be removed Immediately It is not metro 2 complain Or meet E Oscar Requirement please remove immediately
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.
Consumer complaint received 2021-11-01
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. (FL)

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 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Michigan XXXX You are in Direct Violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX, XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes.

Remove these late payments and update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting Act.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-10-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IL)

On XX/XX/2023 I saw an offer on XXXX about an XXXX XXXX XXXX selling for {$260.00} and {$20.00} delivery fee because we split the delivery cost by half. I chatted with him and he sent me the XXXX account and its to XXXX XXXX XXXX and I paid him {$150.00} but XXXX saying that my payment requires additional review so I thought it got cancelled. Then he shared his paypal account XXXX XXXX XXXX and I sent him {$150.00} also. But then the XXXX  payment went through but he said he never received it and will try to refund the money on the XXXX. From XX/XX/XXXX until XXXX he said that he is still trying to recover the fund and I offered him another {$130.00} to send the watch ASAP with paypal. The next day he told me that he cant find my address even though my address is correct and Ive used XXXX to my home address previously. 2 days after that on XXXX XXXX, He said that his fianc thinks he sells it to low and demanded {$50.00} more so I did sent to his paypal again then he said that he was on the way to USPS. On XX/XX/XXXX he said that he got arrested on his way to USPS and he is super broke then he offered me a check from his investment and I agreed to it. On XX/XX/XXXX I got the check from him and my back said that I can use the fund on XX/XX/XXXX but on XX/XX/XXXX the payer stop the fund on a check so I didn't get the money. He ghosted me away after that. His name is XXXX XXXX.