davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-11
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. (NY)

My Mortgage is in forbearance and I am trying to do a modification to bring my account current, however, XXXX XXXX XXXX reported to all three major credit bureau that I have been over 120 days delinquent. This has affected my credit tremendously. 
Below is posted on their web site. I disputed the delinquent with them and I was told to dispute it with credit bureau and they will address it. 

BELOW THIS IS POSTED ON MY ACCOUNT ON THE WEB Our systems indicate the you are currently on a forbearance plan or have been on a forbearance plan in the past. While on the forbearance plan, you are not required to make your monthly mortgage payments, you will not be assessed any late charges, and negative credit reporting has been suspended on your loan. This means you will not be marked " late '' for any suspended payments.
Consumer complaint received 2022-07-11
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 2 : It also states a consumer reporting agency can not furnish an account with my written instructions.
Consumer complaint received 2022-07-11
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. (TX)

I reported all 3 major credit bureaus XXXX, Equifax, and XXXX that the collection from XXXX in reference to XXXX XXXX has serval inaccuracies. XXXX is reporting a date of last activity XX/XX/XXXX, XXXX is reporting a date of XX/XX/XXXX and Equifax is reporting a date of XX/XX/XXXX all different dates across the 3 bureaus. Also XXXX is reporting an account status as open and this is a collection account it can not have an open status. XXXX and Equifax are reporting on account status as closed and again different and inaccurate across the bureaus. These inaccuracies are causing me emotional mental distress due to the fact I can not I apply for credit to make major purchases for myself without paying a high interest due to these inaccuracies. 
XXXX XXXX XXXX Equifax Account XXXX : XXXX XXXX XXXX High Balance : {$400.00} {$400.00} {$400.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$400.00} {$400.00} {$400.00} Closed Date : -- -- -- Account Rating : Derogatory Derogatory Derogatory Account Description : Individual Individual Individual Dispute Status : Account not disputed Account not disputed Account disputed Creditor Type : Collection Services Other Collection Agencies Other Collection Agencies Account Status : Open Closed Closed Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Creditor Remarks : Account informationdisputed by consumer , meets FCRArequirements Customer disputedaccount - reported bysubscriber. 
Consumer disputes thisaccount information Affected by naturaldisaster Subject has not satisfieddebt. 
Original Creditor : XXXX XXXX XXXX XXXX Last Payment : -- -- -- Past Due Amount : {$0.00} {$0.00} {$0.00} Account Type :
Consumer complaint received 2019-11-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (NY)

Hello, I have a fraudulent transaction on my account that I have been going back and forth with paypal and XXXX XXXX XXXX to resolve. Paypal claims all transactions are secure and can be resolves but is giving me the run around. 
I sent the money via my debit card and I was told by an agent because it was a large amount paypal processed it as a ach transaction leaving me no protection again fraud via my bank or with paypal. they also mention friends and family and refused to let me cancel the transaction due to it being friends and family although I called several times to file the fraud and complaint. I have been given the run around and was not in receipt of the goods promised and both bank and paypal are refusing to help.
Consumer complaint received 2022-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Self Financial Inc. (FL)

I am submitting this CFPB complaint to you today to request to you to remove the late payments you are reporting on my XXXX XXXX. The references for the late payment on this account is erroneous and misleading causing negative impact on my XXXX XXXX! I previously requested for the investigation and correction of this account and yet you have done nothing. Let me remind you that you are obliged to investigate and update this account per consumers requests under the FCRA regulation. Once again, I am requesting that you take your time to THOROUGHLY investigate and CORRECT this account to report accurate information on my Credit Report. Per FCRA, reporting of account information must be accurate ; I need this account updated immediately. 
SF/LEAD BANK XXXX Opened XXXX XXXX, 2020 Balance {$8.00} SELF FINANCIAL INC / LEA XXXX Opened XXXX XXXX, 2020 Balance {$1400.00}
Consumer complaint received 2021-08-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (FL)

I had my mortgage with XXXX XXXX XXXX XXXX XXXX and they sold my loan to Fay Servicing LLC, back in XX/XX/2021. On XX/XX/2021, I requested a payoff from XXXX XXXX XXXX attorney XXXX XXXX XXXX XXXX ( because I am in an active chapter XXXX bankruptcy and the payoff comes from them ). 
On XX/XX/XXXX I receive an email from XXXX XXXX XXXX XXXX stating to contact XXXX XXXX XXXX because there is no open file for my property address. 
I contacted XXXX XXXX and I was told a letter was sent to my bankruptcy lawyer about the sale my lawyer states they never receive any letter from XXXX XXXX Loans or Fay Servicing LLC. 
Now Fay Servicing who is my new mortgage company said they can not talk to me and that my bankruptcy lawyer has to send them a letter of authorization to give me any information on my loan. Fay Servicing refuse to give me a Supervisor. 
I need to get a payoff and insurance information from Fay Servicing LLC and I am not getting anywhere.
Consumer complaint received 2022-11-04
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (FL)

I am submitting this CFPB complaint to you today to request to you to remove the late payments you are reporting on my XXXX XXXX. The references for the late payment on this account is erroneous and misleading causing negative impact on my XXXX XXXX! I previously requested for the investigation and correction of this account and yet you have done nothing. Let me remind you that you are obliged to investigate and update this account per consumers requests under the FCRA regulation. Once again, I am requesting that you take your time to THOROUGHLY investigate and CORRECT this account to report accurate information on my Credit Report. Per FCRA, reporting of account information must be accurate ; I need this account updated immediately. 
DEPT OF ED / NELNET XXXX Opened Sep. XXXX, XXXX Balance {$600.00} DEPT OF ED / NELNET XXXX Opened XXXX. XXXX, XXXX Balance {$440.00} DEPT OF ED / NELNET XXXX Opened XXXX XXXX, XXXX Balance {$1900.00} DEPT OF ED / NELNET XXXX  Opened XXXX XXXX, XXXX Balance {$3600.00} DEPT OF ED / NELNET XXXX Opened XXXX XXXX, XXXX Balance {$3800.00} DEPT OF ED / NELNET XXXX Opened XXXX XXXX, XXXX Balance {$2100.00} DEPT OF ED / NELNET XXXX Opened XXXX. XXXX, XXXX Balance {$1900.00}
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ERC (NC)

ERC COLLECTION AGENCY POPULATED FOR {$75.00} on credit report. 

They never sent me a letter. 

Their calls are recorded and two different reps admitted no letter sent. 

They transferred me to someone else who all of a sudden said they mailed a letter. 

No letter ever mailed/received and it is on my credit report. I was not allowed under the FDCPA to receive a letter and have my right under that law to dispute. 

This debtor is unknown to me, I dont have any established accounts with them, they are rude, abrasive on the phone and have violated my consumer rights I want this removed from my credit report immediately. 

Thank you
Consumer complaint received 2022-07-11
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. (GA)

I, XXXX XXXX, am stating that XXXX, XXXX, Equifax are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX XXXX, Equifax may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, XXXX, Equifax any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, XXXX, Equifax credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, XXXX XXXX Equifax permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, XXXX, Equifax is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, XXXX, Equifax wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, XXXX, Equifax consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Consumer complaint received 2022-11-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

Loan services representative spoke with me today XX/XX/22. Advised me that I have until XX/XX/22 to pay full amount of student loan in the amount of {$19000.00}. They advised me if not paid in full that they will submit my loan to their attorney to garnish my wages and sue me for the full amount. I feel this is an unreasonable amount of time to make this amount of money to be paided back in six months or less. This is the only option Navient student loan services is offering me to make payment arrangements. They have made it extremely difficult for me in the past to make payments and still are trying to make things hard for me now. I told them XXXX XXXX XXXX on XX/XX/22 thru XX/XX/22 and before that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They are unreasonable and have unfair financial practices they never try to work with me at all. I asked them for written documents of repayment options they advised me that they could not give it to me at all.
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Hello, it saddens me that yet again, I'm having to write you regarding this particular credit bureau. This is my 3 or 4th attempts/disputes with them regarding this erroneous info on my credit files. They want to continue to come back with it being verified and leaving it on my credit report intentionally. I have asked over and over and over again for the following : Re : Please provide the furnisher of the information for this account and all other requested information listed in this dispute To Equifax Information Services : I recently sent you a letter around XX/XX/XXXX & XX/XX/XXXX. I asked that you provide a detailed report showing/proving the validation method for this debt you have placed on my credit file. I am concerned about the validity and accuracy of your recent investigation of this account. Im requesting full, honest, and complete investigation because I felt the item was not being reported legally or accurately.

Please tell me how was this information verified? Prove that this listed debt belongs to me and not someone else. Im requesting for sufficient legal proof under the FCRA. Please answer each of the following questions in this letter. I asked for this in my previous letter, but you appear to have ignored my request which is against FCRAs laws. The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. Its designed to shield all consumers from the willful and/or negligent inclusion of erroneous data in our credit reports. The FCRA regulates the collection, dissemination, and use of all consumer information, including consumer credit information. And, if the consumer asks, consumer credit reporting agencies must explain the method of verification in full and with completeness and how you investigated my consumer 's dispute. A collections agency or debt buyer buying a debt and slapping/attaching it to anyone 's credit file to does align with the FCRA 's laws.

Creditor : Information in dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Amt. {$93.00}
Consumer complaint received 2022-11-04
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: JPMORGAN CHASE & CO. (NY)

Today XX/XX/XXXX I called to make a payment on my chase credit card and was told my account was closed. Previously I paid {$1500.00} to bring by account current and when I tried to make another payment they tell me that my account has been closed and I still owe XXXX and I can not have my credit account reopened. They said they made a decision and I had this card for 20 years. I would like my account credit card reinstated with Chase Bank
Consumer complaint received 2022-07-11
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: MOHELA (TX)

MOHELA DEPARTMENT OF EDUCATION XXXX XXXX {$3500.00} XXXX XXXX {$6000.00} I DO NOT REMEMBER SIGNING A CONTRACT WITH MOHELA DEP OF EDUCATION THE COMPANY IS REPORTING INACCURATE AND INCORRECT INFORMATION XXXX HOLDER IN DUE COURSE YOU ARE PROHIBITED BY LAW FROM PROVIDING FALSE INFORMATION. ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES SHALL BE FINED UNDER TITLE 18.
Consumer complaint received 2022-07-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (CT)

Around the middle of XX/XX/2022, I made contact with a representative of PNC Bank, XXXX XXXX PNC Mortgage Loan Officer XXXX # XXXX and inquired about refinancing a mortgage with PNC in order to remove my ex-spouse from the mortgage. I entered into discussions with XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX Loan Officer XXXX # XXXX as to the possibility of obtaining a HELOC for the purposes of paying off the mortgage with PNC if I had enough equity in the property which was not my property of main residence. Based on those discussions I removed {$50000.00} from my retirement savings and paid down the mortgage to a level that was indicated as sufficient for this process to continue. Providing documentation on my financial status I was never given an indication that was an issue with the amounts that I was seeking for the HELOC. due to incorrect information with a credit reporting agency, I corrected the information but PNC Bank required a secure text to take place and was told that after correcting the information it may take up to 60 days for the information to become " active '' but in all likelihood would not take that much time. After 40 days of futile attempts I traveled 4 hours out of state to arrive at a PNC office in another state to verify my identity. At that time I was told and encouraged to open a checking account to XXXX a .25 % reduction on my HELOC application. I did so with the idea that it was a benefit and was also told that it would provide a better pathway for monthly repayment of the loan which seemed reasonable. Today XX/XX/2022 I received a Statement of Credit Denial from PNC for loan # XXXX stating code XXXX proportion of loan balances to loan amounts is too high, and code XXXX Length of time account have been established. I feel I was misled on this process and I have complied with all requirements outlined by PNC.
Consumer complaint received 2022-07-11
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. (FL)

I FILED A DISPUTE IN REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT. IT HAS BEEN WELL OVER 30 DAYS AND I HAVE YET TO RECEIVE ANY INVESTIGATION RESULTS XXXX XXXX {$13000.00} XXXX  {$4400.00}
Consumer complaint received 2022-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (NV)

Please see attached correspondence dated XX/XX/22, provided to XXXX, responsible for the Elan credit card closed for numerous reasons delineated in the correspondence. Note XXXX XXXX Elan : -violated contractual agreement to deduct autopay on file -fraudulently more than tripled the single {$50.00} charge ( to {$180.00} ) they failed to pay from my open account which contained several thousand dollars for in excess of a month after the charge was to have been deducted -have since been committing harassment, calling one or multiple times daily - documented by my cell carrier. 
-I believe they have fraudulently reported their negligence to credit agencies, significantly negatively impacting my credit score, resulting in meaningful damages - all above information was provided untimely, as they failed to send any correspondence to my proper address on file, disregarding numerous notifications of change of address in excess of one year ago.
Consumer complaint received 2022-07-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (FL)

Venmo froze my account on XX/XX/2022. I was paid by direct deposit on this day of over {$1300.00} by my current company who I work for. I purchased a coffee at a truck stop ( I am a truck driver, and travel all over the USA ). I then tried to Venmo my husband, XXXX XXXX {$400.00}. We have venmo 'd each other for years and never had any problems before. It told me it could not complete my transaction and then I got an email right then same day froze my account. They will not tell me why they froze my account they asked me for ID and I sent it to him right away I also sent them my marriage license because I changed my last name years ago but my card still says XXXX. I've already changed it with them but just in case I sent it to them. Call after call nobody can help me email after email nobody can help me nothing has changed and they still have my account froze.
Consumer complaint received 2022-11-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Conn's, Inc. (TX)

I called Conns XXXX XXXX on XX/XX/2022 to pay off my balance in full. The lady on the phone told me she can decrease the amount for me since I was paying off early. I still owed a little over {$6000.00} on the loan and she reduced it to around {$4400.00} to pay in full. A few months later I get a notification from XXXX XXXX  that my conns balance increased by {$57.00} and my credit was reflecting a balance owed of {$1300.00} still so I called again to get information on why this was happening if I paid the balance off ( this was around the end of XXXX/beginning of XXXX ). They told me they are not sure and they would send it to a different department and I would need to call back in 3 days to see if it was fixed. I also asked for a paid in full letter, I have still yet to receive one to this day after asking numerous times. I have had to make this request phone call twice more about the balance on my report with the same outcome. Well today I get a notification that my account was charged off and my score dropped XXXX points. I spent 2 hours on the phone with conns, being transferred from the customer service department, the recovery department, the billing and collections department, and the credit department all of who can not help me. One manager stated that he will forward the account to the credit department and try to have it removed. I paid off all my debt to increase my credit score to purchase a home. I am in the process and should be closing XX/XX/XXXX however with this on my credit this might impact my ability to purchase this home. I would greatly appreciate any assistance in the matter as my account should not be in charge off status when I called to pay in full and was offered a lower amount without even asking. Had I known this is how they conduct business I wouldnt have purchased with them to begin with.
Consumer complaint received 2021-08-25
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: EQUIFAX, INC. (GA)

I have 21 different accounts with DEPT OF ED/XXXX  and it seems since I Consolidated my payments into 1 payment which is in good standings that the other 20 should be removed. I understand that all the information is one now so there is no need for this. I was told it is hurting my credit score.