davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PMAB,LLC (TX)

There is a medical bill from my daughter on my XXXX credit report. My daughter had XXXX at the time of service and the bill was placed on my credit in error. It was originally placed on my XXXX, XXXX and XXXX report. When I saw this error, I contacted all three agencies to let them it was incorrect. XXXX and XXXX removed the account after confirming it was not my debt. However, after multiple disputes and talking to both the XXXX and the reporting agency, XXXX is refusing to remove the account. Even though it has been proven to not be my responsibility.
Consumer complaint received 2017-10-05
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: Navient Solutions, LLC. (NY)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX XXXX XXXX XXXX XXXX account .Ive Been trying to verify this account for XXXX months from XXXX XXXX XXXX XXXX and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof.
Consumer complaint received 2021-01-19
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. (CA)

I have filed disputes with XXXX, XXXX and Equifax back in XX/XX/2020. This is now XXXX and I still have yet to received anything from them. I want to fix my credit report and this is holding me up and I don't understand why they haven't reply to me yet.
Consumer complaint received 2017-10-05
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. (CA)

In XXXX, 2017 XXXX XXXX informed me that my Credit Card had been used fraudulantly, they reversed charges and did not explain the fraud. This is an account I almost never use, and had recently received a new card, so the card information was not entered into any companies POS or any websites - it could only be known by XXXX XXXX and Equifax. Equifax later released that data in their servers information had released for criminal use. I contacted them to resolve the damages from the breach, and they replied with a form letter, and offer for a free year of credit monitoring. The typical sales model for credit monitoring is they hold a credit card number for charges and begin charging you at a certain point. If you call to terminate the credit monitoring they refuse your calls or inadvertantly charge you for the services. Equifax probably profited from making consumer data available on a black market, and used the " unfortunate situation '' to sell credit monitoring services and collect payement contracts for future services by creating fear in consumers minds. This is a evil and devious practice. For a consumer like me who rarely uses credit, it means I have a vunerability simply on maintaining a service " for a rainy day '' - and a sick twisted organization like Equifax can use that to take money from me. They did not offer to verify how my account information was frauded and did not want to deal with me as a frauded consumer. I also find it interesting that i never agreed for them to keep this data on thier servers, and If i woudl want to live in a house i would probably have no option but to keep this data on thier servers. They have never answered if they intentionaly gave out my data to criminals.I can not remove my records from them as I have a home loan - typically required - I guess unless I choose to freely sleep under the freeway - oh that may be illegal ....
Consumer complaint received 2017-10-05
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. (TN)

In XX/XX/XXXX I paid off a collection in full to rent recovery solutions acct # XXXX** and I have proof of receipt. I was told by the collection agency that this collection would be removed / updated as soon as this debt is paid off in full. As of XX/XX/XXXX the debt was removed and then later placed on my credit report again, I disputed the item again and it was removed on XX/XX/XXXX. I have proof of both removals. I was not notified in writing within 5 days of placing this debt back on my credit report. This is a violation of FCRA. As of XX/XX/XXXX I pulled my Equifax, XXXX credit report and I saw that this account was still reporting as a negative item on my correct report and is affecting my credit worthiness. This account was permanently removed from XXXX, so I contacted the collection agency and I was told that they stop reporting this paid in full debt to credit bureau as of XX/XX/XXXXand that I needed to contact each credit bureau that it was being reported to. so I contact each bureau that 's its reporting on in writing and I received a letter from Equifax stating this information has been verified and XXXX just sent out a credit report showing remained. This item could n't have been verified because agency stated that they stop reporting this item back inXX/XX/XXXX and it was already removed from XXXX .I am asking that this account be deleted permanently asap.
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2021-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I am a consumer and I am being violated of my rights as a consumer to have accurate credit reporting on my credit file with Equifax FCRA 611 ( 15 U.S.C. 1681I ) .Equifax has not verified the late payment reporting on my credit file and it is hindering me the consumer from purchasing a house. I have sent in Multiple disputes with Equifax about two student loans account that are being reported inaccurate on my credit file. I have disputed both of my student loans account 5x total and Equifax states that their information is correct. 

I have proof that Equifax is changing around my payment history and Equifax is not corporation with my rights as a consumer of having ACCURATE information on my credit file XXXX XXXX XXXX have stated that they have different payment history then Equifax. 

Equifax has never sent me how they Validated my payment history on both accounts being disputed. Equifax sent me a Statement of my student loans which is not a method of verification. 

CFPB I want to remind you it is your duty to protect the consumer from being poorly treated by the credit reporting company such as Equifax and to make sure that each file is showing accurate reporting. 

I also have attached the Statement Equifax sent me as their validation and both of my written letters with the tracking number attached. 

I also have attached a report that Equifax is reportedly differently then XXXX & XXXX and Equifax is missing information such as the Date of Last activity & date of last payment this is Illegal to report. ALL information must Match and be 100 % accurate.
Consumer complaint received 2017-10-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MI)

I asked ditech to waive a late fee applied to my account in XXXX via a QWR because I never received the notice of a rate increase and their site was down on XX/XX/XXXX ( a Sunday ) when I tried to log in to confirm my payment amount. I sent in my regular payment that did not reflect the increase and it remained unapplied, my account considered late. I received a notice of default and threats to foreclose. I send in the difference with my next payment and filed a QWR requesting they waive the late fee because I did not receive the notice and their site was down onXX/XX/XXXX. Ditech agreed to waive the late fee in their response to my QWR. 

Each month I log onto ditech.com to confirm my payment amount and today found a transaction dated XX/XX/XXXX titled 'reallocation ' that backed out months of payments and the XXXX late fee. It appears these payments were not reapplied to my account because my principle balance increased from {$120000.00} posted onXX/XX/XXXX to {$120000.00} ( an increase of {$1200.00} ) reallocated onXX/XX/XXXXand I was assessed another late fee. 

XXXX I called customer service for an explanation and to correct the reallocation. XXXX waived the additional late fee added to my account and confirmed the increased principle payment shown online matches their systems. She could not explain why backing out a {$33.00} late fee would increase my principle balance by {$1200.00}. Nor could she correct the problem. 

Given Ditech ( formerly greentree ) reputation, I am of concerned of being accused of defaulting even though my mortgage is current and losing my home because of an administrative error on their part. Given the customer service reps insistence that an principle balance increase of {$1200.00} is correct in waiving a {$33.00} late fee, I dont expect Ditech to behave within the law. 

I appreciate your assistance in correcting Ditech 's administrive error.
Consumer complaint received 2017-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: M&T BANK CORPORATION (NV)

I have a mortgage with M & T Bank, which was modified by a HAMP in XX/XX/XXXX. My mortgage account is reported as past due 30 days for XX/XX/XXXX ; past due 60 days for XX/XX/XXXX ; and past due 120 days for XX/XX/XXXX &  XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX. In fact, I was in a HAMP Trial Payment Plan during this period, made every payment as agreed and have never missed a payment since. 

Despite assurances from XXXX XXXX, which processed the HAMP modification for M & T, that I would not be reported as late, M & T continues to report all these HAMP trial plan payments as " late ''. I have filed disputes with the three major credit reporting bureaus, which refuse to correct the reporting because M & T refuses to change its position. 

In accordance with XXXX XXXX guidelines, the loan should be reported as paid as modified. See, page 5 of XXXX XXXX Publication 800 for servicer instructions re : credit reporting of modified loans which states that HAMP modified loans should be reported as being paid as current, but on a modified payment if payments are made by the XXXX day of each month.
Consumer complaint received 2017-07-07
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)

I checked my credit report to find that XXXX XXXX XXXX is reporting my account as 30 days past due one time. I do n't ever recall being past due on this account and I find it quite odd that 1 ) it has n't been updated since XX/XX/XXXX and 2 ) they fail to indicate on the report when ( what month and year ) I was allegedly " past due. '' When I wrote to them in XX/XX/XXXX, their response was that " there was no payment record error made and the delinquency that appears on the file is valid. '' I do not agree with this. They fail to indicate when ( if at all ) I was past due and refuse to remove it. I specifically request verifiable proof from XXXX XXXX XXXX to confirm the accuracy and validity of said reporting and if they can not comply within 15 days, which is plenty of time to satisfy my request, I request that the derogatory remarks of " Past due, 30 days '' be removed from the reporting of this account from all three  major credit bureaus, Equifax, XXXX and XXXX.
Consumer complaint received 2017-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (NC)

My father died in XXXX and had a balance on a credit card with Discover. Discover then used my identity to notify the IRS that the account had been written off, in my name, causing the IRS to bill me for {$2500.00} for more taxes due to the write off in my name. Discover never contacted me or notified me in any way prior to my notice received in the mail from the IRS. I have talked with Discover, on multiple occasions, to inform them that I had nothing to do with this issue and to please notify the IRS. Even after all the information provided to Discover, they still have used my identity to write off the debt for my father. It is obvious that there is an account for my father with a specific account number and there is an account for me which is current, with a specific account number. The account numbers are different yet DISCOVER refuses to acknowledge they are using my identity for an account I am not associated with. The latest correspondence, from Discover, confirmed that Discover was still going to use my identity to write off the debt for my father. I started to just pay this, but I can not pay because if Discover can arbitrarily use my identity to use as a write-off then notify the IRS of that write-off, they could arbitrarily use anyones identity and do the same thing. It makes me wonder if this is not commonplace? My identity has been used to satisfy a debt for someone else and is evidently not a mistake on DISCOVERS PART DUE TO THE MULTIPLE DISCUSSIONS I HAVE HAD WITH THEM. Identity theft would seem to me to be illegal for everyone including corporations attempting to write off a debt in someone else 's name. This is my last step as I have a meeting with legal counsel tomorrow because this issue is serious and has not been corrected by Discover. I feel I have no choice as my identity was stolen to mis-represent a write off for someone else besides me. Thanks NOTE : In the step where it asks " is someone else involved '' I stated No because my fathers account is involved but he died in XXXX. I am not sure how to answer the questions due to that fact. Thanks
Consumer complaint received 2017-10-04
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (NC)

I got behind on my mortgage after a disaster involving pipes bursting and backing sewage up into the house. I have to replace the main line pipes and refinish the basement after XXXX XXXX ripped out all the walls and carpeting. I spent my entire savings trying to make the house livable again which caused me to get behind on the mortgage. 

I applied for loss mitigation on XX/XX/XXXX. At that time I was 4 months behind on my mortgage. I called several times attempting to set up a payment plan to get the mortgage up-to-date but Loan Care refused to take any payments unless I paid the entire amount due. In XXXX, Loan Care denied my request for loss mitigation. 

I applied for loss mitigation again on XX/XX/XXXX via fax to XXXX since fax XXXX would not answer. After 3 week I had to resend the paper work again because Loan Care said they never received my documents. 

As of today, XX/XX/XXXX, I am 8 months behind on my mortgage and I was attempting to pay 5 months today but once again Loan Care would not accept a payment and I do n't believe they are going to approve my request for assistance. I am now having to try to sell my house before they foreclose on it because I ca n't get anyone to work with me on paying the mortgage. I 've owned this home for almost 20 years and this is the 2nd time in 20 years that I 've had financial difficulty, otherwise, I 've paid my mortgage as required.
Consumer complaint received 2017-10-04
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. (TN)

This account has been paid in full for several months. It has been noted as " Account paid in Full ; was a Charge-off '' on XXXX, but it just listed as a charge-off with no notation of being paid in full on Both Equifax and XXXX. 

I have tried contacting both credit bureaus about this, as well as XXXX XXXX XXXX, asking them to have it noted as " Account paid in Full ; was a Charge-off '' across all three credit bureau reports. If they can report it to one, there is no reason the ca n't report it to all. 

I have confirmed that all three credit bureaus allow this status to be noted on accounts. 
I 'm attaching proof of how it appears on my XXXX report, which I pulled on XX/X/2017. 

This has been paid in full and should be noted as such on all three reports.
Consumer complaint received 2022-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX il XXXX XX/XX/2021, she stole my wallet out of my plains I got paid on XX/XX/2021 of {$710.00}, and XX/XX/2021, of {$26.00} that's a grand total of {$730.00} taken out of my account. Then she stole my phone on XX/XX/2021 and erase my whole life. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX  my Chime Account were chime bank saying they can't help me. Stole my mother 's Social Security card that I have of my mother that pass away XXXX yrs ago from XXXX. my twin sister 's social security card. She stole my life and erase it. this needs to be filled out now stole my life and erase all my accounts. In the phone information of my probation officer info and father 's right info of photos and videos of her being an unfit parent. took my wallet and erase my life this needs to be done asap.
Consumer complaint received 2017-10-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP (OK)

I have attempted to obtain an understanding of the delinquent balance I owe, concerning my vehicle loan with US Bank, however, have had difficulty obtaining a clear distinction. I emailed US Bank requesting a complete payment history effective with the date I obtain the vehicle loan, as well as, an explanation as to how my payments have applied. The response I received was partially helpful, as the representative attempted to explain to me, when my grace period was, and the amount of the late charge I would receive if the payment is not remitted by the date due. I however did not receive a copy of my payment history to assess the application of my funds. When I responded, advising that the email did not convey any information I did n't already know, I requested supporting documentation to validate that fee 's are applied prior to the application of my payments towards P & I. Again, I received a reply which did not provide me a copy of my payment history, rather I was advised I would be charged a {$25.00} fee to obtain a complete copy of my payment history. This is absurd to charge a consumer {$25.00} for a copy of there payment history when I am making an effort to understand the balance I owe, and resolve my delinquency.
Consumer complaint received 2022-08-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/2022 I called Synchrony Bank because I received my statement, which shows the payment I've made on XX/XX/2022 for {$1000.00} showing it all went all to the interest, I was not told this other wise I would have sent a payment to the principal. 
I believe I am being penalized by synchrony bank for making two payment to the principal. 
XX/XX/2022 {$1000.00} to the principal. 
XX/XX/2022 {$1300.00} to the principal. 
Synchrony Bank does not offer an online account services therefore I am not able to see exactly my balance, or how I can save on interest or payoff this loan faster. 

Synchrony Bank is not transparent on how me as a customer can save money on the interest, or how can I pay the loan faster, even though I am paying towards the principal I get charged the same the interest either way. 

I have been discriminated against by this company because of my last name and accent. 
This is my third complaint with this company.
Consumer complaint received 2023-01-13
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

BANKRUPTCY reporting on all 3 of my credit bureaus 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.