davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-26
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. (WI)

This Letter was sent the the XXXX XXXX XXXX XXXX on XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : Account # To whom it may concern : I recently disputed with all three ( 3 ) credit reporting agencies the accuracy of reporting on these accounts, and the results came back either " verified '' or " updated ''. There are several inaccuracies across all three credit reporting agencies. 

This is a Notice of Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information you have reported to my credit file. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 16 CFR 660.4, this Notice of Direct dispute includes : XXXX XXXX XXXX XXXX as shown on my Credit Reports ( attached ), is showing incorrect information. 

Basis for dispute : 1. You verified Terms as " {$0.00} Single Payment '' on Transunion and Equifax 2. You verified High Balance as " {$2000.00} '', on all account beginning in XXXX, which is not correct 3.  You verified High Balance as " {$4400.00} '', on all account beginning in XXXX, which is not correct 4. You verified account status as " Transferred, closed '' 5. Date of Status hasn't been updated since XX/XX/XXXX on Equifax 6. Date of XXXX hasn't been updated since XX/XX/XXXX on XXXX 7. Actual Payment Amount is {$0.00} on XXXX  and XXXX  8. Actual Payment Amount is thousands of dollars off on all accounts on Equifax compared to High Credit 9. Account Status on XXXX  and Equifax is " Collection '' not " Paid as Agreed '' 10. Account Status of " Collection '' starts on XX/XX/XXXX on XXXX, I was still in school. 

Supporting evidence : Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4, you are required to review the information that has been provided to you to complete your investigation of this Direct Dispute within 30-days of this notice. I demand a written response from the competent authority in your organization no later than XX/XX/XXXX to my address of records. 

Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( 1 ) ( E ), to also promptly notify the credit reporting agencies of deletion of this information from my credit file.
Consumer complaint received 2018-06-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (MO)

Beginning on XX/XX/2018 I have requested a deferrment application. And XXXX ( PH:XXXX ) has been determined not to send me a deferrment application. Also, I'm entitled to receive a deferrment Application.
Consumer complaint received 2021-11-27
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2017-07-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (CA)

I am corresponding to you to report a flagrant violation of the FDCPA by this company pertaining to an erroneous account this company has persevered with reporting on my credit report. On XXXX XXXX, 2017 this company received a letter from me where I disputed the accuracy of the account they have reported on my credit report and asked that they either provide me with the document I signed that makes me liable for the debt or delete the account from my credit report. The company has done neither and in violation of my rights have kept reporting this account as a valid account on my credit report.
Consumer complaint received 2018-06-28
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: JPMORGAN CHASE & CO. (IL)

I went to purchase a vehicle on XX/XX/2018 and come to find out there are numerous inquires from the last YEAR I did NOT recognize. I contacted customer service to help and it was stated that there was a breech and inquires were removed and then put back. I HAVE NOT received ANY notice of this and wanted the last YEAR removed. I was told she couldn't help me. I am a single mother trying to make it on my own and I need to get my credit together after a nasty divorce. I have recently found out MORE inquiries were added. Please remove the inquiries from 2018 other than XXXX XXXX AND XXXX XXXX as those were the ONLY XXXX I gave permission to do so. This is XXXX XXXX mistake and Why was I not notified????
Consumer complaint received 2020-05-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Io, Inc. (MD)

I am writing because XXXX XXXX has sent my account to collections and the Collection agency reported me to the credit bureaus. I had moved and they sent the statements to the old address and I also PAID the balance. 

Also under the CARES Act, which President Trump signed into law on XX/XX/2020, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis, They reported me in XXXX, They need to REMOVE it from credit bureaus. I don't want them to JUST update it, they have to completely REMOVE it from ALL the credit bureaus or from the ones they reported it to. 

My score dropped significantly and I'm in the middle of getting a mortgage.
Consumer complaint received 2021-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF THE WEST (CA)

My funds were low in my account. I turned off my bank debit card on the Bank of the West App ( turning " off '' your debit card prevents charges from being made against the debit card. It is a feature of the Online Banking App ). I was not informed about a problem, nor was I given the opportunity to make things right with my bank before I was charged an obscene amount of punitive Fees. These fees are predatory in nature and even though I work for Bank of the West, this is not an ethical or lawful practice which is why I am reporting this to you. I also need the CFPB 's help recovering the fees that I'm being charged in the amount of {$160.00} In other words, I am asking for the CFPB 's help in getting a refund of these abhorrent fees from Bank of the West which are both punitive, predatory and inherently discriminatory. 

The Fees are broken down as follows : {$35.00}, {$30.00}, {$25.00}, {$35.00} and {$35.00} for a total of {$160.00}
Consumer complaint received 2020-08-23
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. (AL)

I have sent 4 letters to Equifax asking them to validate some collections, charge-offs and a bankruptcy with the associated accounts on my credit report. I have asked them to provide written contracts and any proof these are mine. To this date, I have not received anything from them and no explanation on how they " validated '' these are mine. I sent a letter on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I am getting ready to send them my final letter with the intent of filing a lawsuit.
Consumer complaint received 2017-09-12
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. (TN)

This is about the Equifax data breach. The breach lasted from XXXX through XXXX. The hackers accessed peoples names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people. I am one of the many impacted by this data breach and want to highlight the impact it may have had or will have in the future, given the size and scope, true impact may never be known.
Consumer complaint received 2021-02-20
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (IL)

I attend XXXX XXXX from XXXX to XXXX as you many know they recently went bankrupt do to frauding students. While I was there I took out a private student loan. It was through AES American Education Services. My issue is why am I having to pay this back since I had to prove I was a student in order to get this loan and the school was do what they did to students. 
I am XXXX years old and i am my sole supporter. I will be close to XXXX when this loan is paid. They have worked things out in the past such as forbearance, delayed payments etc. Well I have used all those options. Well last year they did give a 90 period where I did not have to make payments I got caught up however I am 3 months behind again. I have called them and asked for help nothing. I was told the loan was held by National Co ligate Trust. They would not give me their contact nothing at all. I can not do anything in my life because of this. It is a burden on my cosigner as well. They will not release my cosigner. I am having to choose between paying my electric putting food on my table, or even gas to get to work. This has also effected me mentally. I have proof of this i am seeing a consular.I am getting nowhere. My life is pretty much over. no travel for me no buying new clothes, no buying extra food, or even taking someone out on a date. I am pleading for help. I am exploring everything. I want my money back this is pathetic they are getting away with this. My state attorney general wont even help.
Consumer complaint received 2020-07-03
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: CITIBANK, N.A. (WI)

On I XXXX I booked a trip on XXXX  very excited about this vacation! Then unfortunately COVID-19 happened and I received an email from XXXX saying they are canceling my trip due to the COVID-19 ... I wasnt too happy and I understand its out of everyones control! So they tell me I can only get a credit that has to be used within a year during a nationwide pandemic and we have no idea when this pandemic will end!! Per there cancellation policy if I can I will receive a credit .... I Didnt cancel the trip they did!!!! So i file a dispute with my credit card company and its been three months and they closed my case & refuse to give me a refund!! In the mean time I lose my job & need my money back from this company that is trying to keep it!! I have no idea when the country is going to get back to normal & I am currently unemployed ... : i cant even believe this company is putting up a fight about this!! I need helping getting my money back all if this was out of my control!!!
Consumer complaint received 2018-06-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (LA)

I have been overpaying my car loan since 2015. Now the company set it up for me to pay every two months, but I am overpaying every month. The company changes back and forth as to whether the payments go to principle and or interest. Each time I call to try to make progress the company fluctuates as to whether the extra payment goes to interest or principle. They stated that no matter how much I pay each month I will not be able to pay my loan off early.
Consumer complaint received 2020-05-27
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)

Please remove inquiries which not belong to me. I never applied for this company and never gave permission to apply for this inquiries. 
After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. Please remove the following unauthorized inquires XXXX XXXX, XXXX XXXX XXXXXX/XX/2020 I have requested proof from these companies that the pulling of my credit was somehow in fact authorized by me, I still have yet to receive any responses. That tells me, that they WERE NOT authorized and therefore need to be removed from my credit profile immediately. 

Please send me an updated credit report after you have deleted the inaccuracies. Thank you.
Consumer complaint received 2022-01-05
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. (VA)

On XX/XX/2021, I received a letter from the Department of Education ( SEE ATTACHMENT ) stating I'm discharged from my student loans. It also stated that they contacted the credit bureaus to remove the discharged student loans off of my credit report, which still hasn't been removed.
Consumer complaint received 2020-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (NC)

I have a loan with WELLS FARGO BANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX and WELLS FARGO BANK with no successful resolution. XXXX and XXXX only reporting me late. There was definitely an error on their part.
Consumer complaint received 2018-06-28
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: EdFinancial Services (CA)

I have a loan with EDFINANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and EDFINANCIAL with no successful resolution. XXXX, XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX XXXX / XXXX XXXX.
Consumer complaint received 2020-10-15
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (TX)

My account with reloacatd is inactive. I have sent in documents showing im me. They still won't unlock it. They keep telling me im not me. Its like they believe someone else is me and im scamming my own account?? I have some emails from brinks prepaid account that i switched to and nothing adds up. And i keep getting replacement cards in the mail. And i never reported any thing stolen. Except my phones. My boyfriend would steal them for a couple days then smash them when he came back. He did that with XXXX XXXX XXXX XXXX XXXX. I can't my bills because i cant use my bank account.
Consumer complaint received 2020-08-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE (WI)

In XX/XX/2020, I received a collection notice from XXXX in the amount of {$1400.00} It identified a creditor a debt amount, I promptly sent them a letter advising them I did not now nor have I ever had an account as they described. 

I just received another letter from XXXX for the same debt. I have drafted another letter and indicated it is my second written notice disputing the validity of that debt. 

They never responded to my first letter.
Consumer complaint received 2020-11-14
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Rosen Legal, LLC (MA)

In an effort to clear up info related to complaint : XXXX, I wish to be clear that out issue is with subprime lender XXXX XXXX  and not XXXX XXXX - which is whom sought the loan for us. To recap, my wife XXXX XXXX XXXX XXXX XXXX and I are being sued for approximately {$50.00} on a predatory loan from the summer of XXXX. We are both of working class means and a judgement on their behalf would be financially devastating and would likely end with bankruptcy. 

Another point to consider is that we were offered and accepted, a XXXX for XXXX program in late XXXX - early XXXX, which we completed under the agreement that we would vacate the residence with the understanding that we would not longer be responsible for any related forthcoming debt ( on the property / mortgage ). 

Furthermore, the name of the bank and the amount keeps changing XXXX from XXXX XXXX XXXX  XXXX was one of the major drivers of the collateralized debt obligation ( CDO ) market during the housing credit bubble from XXXX to XXXX, creating about {$32.00} XXXX worth. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX report on XXXX XXXX and the Financial Crisis analyzed XXXX XXXX  as a case study of investment banking involvement in the mortgage bubble, CDO market, credit crunch, and recession. It concluded that even as the market was collapsing in XXXX, and its top global CDO trader was deriding the CDO market and betting against some of the mortgage bonds in its CDOs, XXXX XXXX  continued to churn out bad CDO products to investors. 

Any assistance and/or advice would be greatly appreciated. 

Thank you, XXXX and XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-23
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'VE TOLD THE COMPANY I DON'T OWE THE MONEY. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I DON'T OWE XXXX XXXXXXXX. ITS BEEN PAID. I DONT OWE XXXX. I RETURNED THEIR BOX. I DON'T OWE XXXX, I PAID THEM ALMOST XXXX DOLLARS. STOP HELPING THEM RUIN MY CREDIT. 

XXXX XXXX HAS A LAWYER. I DO TOO. WE ARE GOING TO COURT. THIS DEBT IS THE RESULT OF SHADY BUSINESS AND XXXX IDALS. IF THIS IS MY DEBT, ITS IDENTITY FRAUD. 

UNDER THE FCRA YOU ARE REQUIRED BY LAW TO REPORT CORRECTLY. I HAVE NO BEEN ABLE TO GET THEM, OR YOU, TO PROVEI OWE ANY OF THIS MONEY. STOP IT. 

MY NEXT STEP IS A LAWSUIT IN STATE, LOCAL, AND NATIONAL COURTS. I REFUSE TO PAY FOR WHAT I HAVEN'T DONE. 

FIX THIS. NOW. 

XXXX
Consumer complaint received 2020-05-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capital Accounts, LLC (GA)

I obtained a current copy of my credit report from all 3 credit bureaus XXXX, XXXX, and XXXX. I learned that XXXX XXXX XXXX XXXX had reported a balance of {$5700.00}. I previously received a phone call from several months ago and and they stated I owed a balance. At that time I requested documentation in the form of a itemized billing statement and all notes associated with this debt they stated I owe. XXXX XXXX XXXX XXXX never complied with the request so, I figured it was a bogus attempt and the they wouldn't contact me again and they did not. I received nothing from them. Approximately 1 year later see this debt has been reported to the credit bureaus. I have disputed this debt with all 3 credit bureaus and this info remains on my credit report. Also, I contacted Capital Accounts ( who reported the debt ) and requested verification of this debt in the form of an itemized billing statement and their reply was they do not have one on file for this account. They continue to report this erroneous information inspite of not having any valid proof and have ignored my request for documentation as well as my request to remove this item from my credit profile. I am entitled to by law to receive proof of this debt within a timely matter and I have yet to receive a billing statement with the lawful time period.
Consumer complaint received 2019-02-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Mr. Cooper Group Inc. (FL)

CFPD I have been working with 4 different Fiancial Institutions. The investigations & evidence has been submitted many times, this is because I have continued to recieve new documents from these Mortgage Companies, all their documents and response are conflicting. Showing no payments, late payments, transfers undisclosed & unreliable.The response from XXXX XXXX has been denied again. Although XXXX states my documents are ineligible, the information sent to CFPB states that the evidence has been used & altered using the new material I summited. I believe XXXX should not have changed their response. I would need an examinator to read my complaints in its full entirety. XXXX has reported to this latest entry as Cruel, Abusive language, Unwilling to take action & cooporate
Consumer complaint received 2020-08-23
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. (OH)

While checking my credit report I discovered unverifiedinformation. I believe under the Fair Debt CollectionsPractices Act., I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partiestorelease myinformation toathirdparty.

1.Please provide a breakdown of fees including any collection costs and charges, 2. a copy of my signature with the provider of service to release my informationto you and 3 3.Cease any credit bureau reporting until debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency. 
XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX