davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-21
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. (DE)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX  Card Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX 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 an account without my written instructions.
Consumer complaint received 2022-11-23
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. (IL)

Equifax refuses to remove the inaccurate information reporting to my consumer report. I have disputed the accounts multiple times an they continue to come back verified... how? No one has spoken to me about anything. They are reporting 4 derogatory closed accounts that are directly affecting my livelihood. And none of them are accurate. The CRA 's have a " DUTY AND GRAVE RESPONSIBILITY '' to report accurate information so says the laws that govern consumer reporting in title 15 ( i.e. FDCPA, FCRA ). My consumer rights have and are being violated by this financial institution and I want correction and compensation for their wrongs according to the law.
Consumer complaint received 2022-08-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (OH)

I was impacted by XXXX. I have had a financial hardship related to the quarentine and the next year I was admitted to the hospital in XXXX and discharged in XXXX. At some point I learned that I was eligible for mortgage asistance. I sent a loan modification application XX/XX/2022. When I called to follow up I was told that the loan modification would be cancelled and i would recieve the correct one in the mail. It could take up to 10 days. i never recieved it. At the end of each call I would confirm with the specialist that the mailing of the application would pause the foreclosure proceedings because my home was nearing the sale. 

All the application I sent where closed for various reasons, such as missing a document, needed a wet signature, SSA verification, missing application (? ). All of which I returned via email, mail, and or fax. Emails included statements about hardship, my williningness to comply so that i can keep my home. 

All of the reps I talked to indicated the process would stop because of my concern that 2 weeks is a long time to wait for the application. Emailed application took 5 days. My access to the online application was blocked as well. I understood that some of the applications were never recieved because they were cancelled or closed days after requesting information from me. I emailed and asked the rep about using updated documents from the other closed applications. They do not respond to emails. At one point I was told my house had not sold when it had. I made life changing decisions based off information coming from the specilist which I took as fact. Afterwards i recieved a denial letter for help as my home had already sold. 

My home was nearing confirmation of sale. I filed a motion to stay the confirmation the judge denied it choosing to focus on 'supposed incomplete applications when I thought I was arguing the fact that the lender had misreprented itself and those lies lead to my house being sold and leaving me with very little time to find affordable house on a fixed income. I am right now homeless because the lenders organization of specialist are not properly trained or they are all partipants in the lenders shenanigans. Non the less the plan was to work towards financial freedom all the while the lender giving me bogus information, misplacing documentation, unwillining to assist a borrower who can not get the application tother.

Please do not cancel this compliant I did not recieve help I am filing pro se. All the work here is orginal
Consumer complaint received 2019-02-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (MA)

PNC sent a letter on XX/XX/XXXX saying that they were forgiving debt of {$58000.00} and discharging a property lien.The only obligation I had with PNC was a mortgage of XXXX and a second mortgage of XXXX that they sold to XXXX.These were both obligations that I had no personal responsibility on but were attached to my property I followed up with PNC and was told that the XXXX 2nd lien on my property would be released. 
This was never done and instead PNC sent a mortgage discharge of a mortgage that no longer existed on a property that I didnt own.I complained to PNC about this at least 11 times in writing in XXXX and filed a complaint with the CFPB.PNC discharged a mortgage that didnt exist on a property that i didnt own and said they forgave debt that i didnt owe.This was wrong and illegalYou can not " forgive '' something that is no longer owed and that is what they are taking credit for.. 
PNC was using this " debt forgiveness '' as a means to satisfy the XXXX XXXX dollar fine levied by the federal reserve on XXXXThe fine could be satisfied by forgiving legitimate debt, instead PNC tried to forgive debt that wasnt really owed and that they couldnt and wouldnt collect PNC then sent on XX/XX/XXXX a 1099C saying they forgave the above debt ( that I didnt owe and that was discharged in Bankruptcy ) .I did not owe any debt to PNC so they could not forgive it.PNC committed tax fraud and regulatory fraud by saying they forgave debt that didnt exist and using the forgiveness to satisfy their obligation to the federal Reserve ironically as a fine for unsound mortgage servicing practices. 
I am attaching debt forgiveness letter, Federal Reserve Memo on PNC fine, emails showing my repeated contact with PNC on this issue and the 1095c they recently sent.
Consumer complaint received 2022-06-21
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 accordance with the Fair Credit Reporting act XXXX  ( XXXX ), 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-06-21
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. (MS)

In accordance with the Fair Credit Reporting act XXXX  ( Account Name XXXX XXXX XXXX XXXX XXXX ( Account # XXXX and ( Account Name : XXXX XXXX XXXX XXXX Account # XXXX ), 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
Consumer complaint received 2022-11-23
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Westlake Services, LLC (CA)

On XX/XX/XXXX my final payment was supposed to have been submitted I wanted to pay my last last payment because I had no correspondence with them for this hold year of XXXX and when I looked at my statement it had a balance of XXXX. I called them immediately gave the represented my new address and information found out that if they didn't even put it in the listing. I wanted to an explanation as to why my balance was so high after fulfilling the obligation of my contract I had XXXX  hey XXXX and I explained to them that I would not be able to work until I'm ready to go back to work and they said it would be okay so they read they had Rewritten my contract because during the covid process they said it would be any fees or no interest charge everything would be the same but apparently not and as of XXXX of XXXX I had made Seven payments and not one of them was deducted from my balance and I have the documents to show that. So would I talk to the representative he was telling me {$100.00} was going to the balance and the rest was going for the interest and fees but I didn't see that nowhere in the statements so I told them to send me a verification letter to show me the charges that they had supposedly had been charged me with and he sends me a statement instead of the actual breakdown of these charges that I have so called a crew and then looking back at the contract the contract was from XX/XX/XXXX to XX/XX/XXXX which didn't make sense to me either because they were still ask for money after XXXX and so I waited for them to get back in touch with me they never to get back in touch with me cuz they said they was going to call me back to conclude the differences and they was going to show me the charges but they never did they didn't contact me at all from XXXX till now and the next thing I know my car was repossessed on XX/XX/XXXX now I've been charged every day that car is in there until something is done this is not right and this is how they do their their they're paying customers without any notification of a letter statement they got my email address and home address no corresponders whatsoever so we could have probably worked them out but I'm a senior citizen and I use my car that's my employment and I wanted something to be done about this
Consumer complaint received 2022-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2022-08-19
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. (MO)

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again.XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$18.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$14000.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX ( Original XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$2500.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$8000.00} ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX
Consumer complaint received 2022-06-21
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. (VA)

In late XX/XX/2021, the XXXX XXXX company reported my account 30 days late. I made a payment on their electronic phone line on or about XXXX XXXX. A few days later I realized that my payment had not been drafted from my account and I called them. I was informed that there was a payment that had been rejected. I contacted my bank to verify this information and they told me that no payment had been attempted from the mortgage company. At that point it was after my 15 day grace period so I was worried about late fees. I called the XXXX company to make a payment and tell them about what was going on in an attempt to get the fees waived. After all, we are in a pandemic and every penny mattered. They told me no they would not waive the fee and that I needed to make the payment right away. I made the full payment right there over the phone with the rep. I woke up a few days later with a late payment notification from XXXX XXXX I was very upset because I had been in contact with them about the issue. At that point, I called them multiple times only to hear that it was nothing they could do. I spoke to multiple managers about what happened and I was told to file a dispute with the credit bureaus. I asked the company for a letter from stating that my account was current and that it was in good standing and was never late. I added this letter to my dispute. The disbute came back verified, nothing was changed on my credit report and I dont understand how. Since my disbute I have called them once a month and I still havent received any positive solution. I dont know why they are unwilling to work with me on a system error. I have never had this issue of being late on a Morgage before. I am filing this complaint because I have tried to contact this company multiple times to rectify this issue and they have basically laughed in my face and told me to handle it with my credit report. This late payment has dramatically affected me and their reporting was not fair or accurate. Since then, they have transferred my Morgage to another lender.
Consumer complaint received 2022-08-19
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: JPMORGAN CHASE & CO. (NY)

JP Morgan decided to report my business credit card on my personal credit. I never agreed to have my business credit on my personal credit. I like to keep them separate and thats the reason why i went with chase business credit card 7 years ago. They told me they did not report on personal.
Consumer complaint received 2022-08-19
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Regardless of the multiple written requests, the unverified public record listed below is still presenting in my credit report in violation of federal law. I'm telling you once again that I did not file for bankruptcy. This is an attorney error. I had a consultation with a bankruptcy attorney but declined to move forward. The attorney filed without my authorization or expressed permission. I was told this was resolved then found a bankruptcy on my credit report! I never filed. I never went through bankruptcy. Please remove it immediately. 


XXXX XXXX Bankruptcy Filing Date XX/XX/2016 Docket XXXX-Discharged
Consumer complaint received 2022-07-27
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXXXXXX XXXX now.with no help.
Consumer complaint received 2022-06-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

as we all know all student loans is not to start the repayments until XXXX how Navient has placed late payment on my credit report in XXXX of XXXX also placed a late payment on my credit report in XXXX of XXXX for interests. I want them to stop harassing me about the payments that is not due yet. i need help
Consumer complaint received 2020-10-05
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. (VA)

This account was open fraudulently under my name. I have tried to call this company several times to report this is fraudulent account and hangs up constantly. Finally got somebody on the line and they won't help me.
Consumer complaint received 2022-08-19
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: EQUIFAX, INC. (IL)

Here are the rest of the fraudulent inquiry 's on my XXXX Account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Here are the rest of the fraudulent inquiry 's on my Equifax Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-27
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ACIMA CREDIT, LLC (NC)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

ACIMA DIGITAL FKA SIMP XXXX XXXXXX/XX/XXXX Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX  CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Consumer complaint received 2022-08-19
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus on XX/XX/22, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate these accounts, I will take legal action against them. Please abide with the law in order for this matter to be resolved promptly. 


XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$22000.00}