davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

In attempt to repair my Credit I applied and obtained a XXXX and received a {$2500.00} credit limit which I was informed that this account would be reported to XXXX & Equifax on a monthly basis. After reviewing my XXXX & Equifax Credit Report for the past 5 months I have observed that XXXX XXXX has NOT reported my account to XXXX or Equifax. I called yesterday and was told that XXXX Credit Report does not report to XXXX anymore but does report to Equifax. I told the representative that on my Equifax Report that my XXXX XXXX has never been listed as an account in good standing on my Equifax Credit Report. Once I told the Representative that I was going to report this to The Consumer Financial Protection Bureau she quickly ask me to hold and speak to her Manager. When the Manager got on the phone she did not give a valid explanation of why my account is not being reported to Equifax. She requested me to sent her a copy of my Equifax Credit Report. Please note that obtaining my XXXX XXXX no credit check or inquiry was required. I feel uncomfortable of having to provide my credit report which obtains personal information that XXXX has no need to know. I believe that by me advising XXXX that my account is not reflecting on my Equifax Credit Report is all that is needed for them to ensure that this account that I have paid {$25.00} per month for the past 6 months be reported accurately to Equifax. The purpose of obtaining the credit is NOT for me to donate money to XXXX rather to help repair and rebuild my credit. The conversation ended that Equifax is at fault and I need to have them correct the issue.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MD)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name.
Consumer complaint received 2021-09-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

The creditors were not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me - the alleged account holder - there is no way they were able to verify this! I have filed a complaint demanding a deletion for this unverifiable account
Consumer complaint received 2020-07-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (IL)

I am having an issue with paypal that is blocking my money and closing my account for no reason. They don't even want to let me access my money until 6 months. I had no warning nothing! They just limited it all the time and block my money which is around now {$14.00}. I want my money now not in 6 months!
Consumer complaint received 2016-05-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MI)

there is a bankruptcy showing on my credit report that should not be there. it was never done, the lawyer which filed it refuses to remove it. I learned about this when I was attempting to get a loan on for a car. it shows a bankruptcy was filed, but it never was, it never went to court and had never began or completed in any way and I need it removed. the lawyer that had filed it will not take any action, when i contacted them all they would do is send me a copy of the initial paperwork and the document stating it was not done. I have copies on my phone but am not able to transfer them onto here to submit.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I was denied credit with XXXX XXXX on XX/XX/2024, because of information provided by Equifax. They are reporting that my credit file contains serious delinquency which lead to XXXX turning me down for a home improvement loan. When accessing my credit report on Equifaxs MyEquifax website, the credit summary lists XXXX negative items. When you try to submit an online dispute of that account, no missed payments, minimum payment not met, or negative information shows up in any of the monthly transactions on any current or closed account. Therefore, you are not allowed to dispute any alleged negative information on any account even though Equifax claims that there is negative information but they give you no due process to dispute this information.
Consumer complaint received 2016-05-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

Equifax has re-added XXXX accounts on credit report that were deleted. i have attached the XXXX from XXXX for these accounts. 

Every week I am disputing these after they are added back on my report. 
XXXX XXXX and XXXX XXXX should be deleted also. they were re-added to report. I also have ID theft statement from FTC on these debts.
Consumer complaint received 2024-01-20
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (CA)

I made a free membership on experian to check my credit but now I'd like to cancel it because I get numerous useless alerts that can't be turned off and I'm concerned about them selling my data. They make it impossible to cancel, there's no method to do this online and no option to request it via their email form. I've requested more information by selecting " other '' on their email form but I haven't received any help. Incidentally if you select " cancellation '' on the form it refuses to let you submit it.
Consumer complaint received 2020-07-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (GA)

I have no idea who Midwest Recovery Systems is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. Midwest Recovery Systems is indicating that an account with the account number XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. I attempted to contact Midwest Recovery Systems via Certified Mail, Return Receipt # XXXX XXXX XXXX XXXX XXXX and they not respond. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized Midwest Recovery as third-party collection agent. 

4. Provide a true and correct copy of the instrument by which [ Midwest Recovery Systems } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to Midwest Recovery, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
XXXX Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Consumer complaint received 2015-05-22
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A. (FL)

Our story began around XXXX of 2012 when my husband was out of work and my sister passed away.We used our funds to go see her before she passed.At this time we got behind a couple of months and there was XXXX other month we got behind so total 3 months. We went through a modification and for after a very long process of emailing, faxing and mailing the same papers over and over again.We paid our payments for a year and then finally they said they were going to send a paper for us to sign.We got the paper it was a subordination agreement.We called and asked who was suppose to sign it they said the court house, then we went there they told us no it was n't them.So over and over again for about a month we called Flagstar and they said different things each time.We were all over XXXX XXXX trying to get this paper signed.In the meantime we received no letter telling us a time frame and then XXXX day when I called to make a payment they refused it.This was not the first time they had refused they had also mailed back our payment originally when we first got behind.We have since been to court three times and payed alot of money to mail and fax the same papers over and over again and nobody there knows what there doing.We have had to apply now yet again for modification because of the paper they said we had to have signed that nobody could say who needed to sign has now forced us in to foreclosure.It has been emotional and stressful we just want an answer and we want people to never get a mortgage with Flagstar Bank.
Consumer complaint received 2021-09-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (TX)

I received a bill on XX/XX/21 by PHEONIX FINANCIAL SERVICES LLC, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX for the amount of {$3400.00} and as allowed under the Fair Debt Collection Practices Act, I have requested them to allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX XXXXXXXX XXXX but I am unaware of the amount due and the bill sent does not include a breakdown of any fees AND/OR interests occurred. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do NOT recall giving permission to XXXX XXXX XXXX XXXX XXXX  for them to release my medical information to ANY third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 

I will send a SECOND and last request for a VALID debt validation with the following.

1. ) provide breakdown of fees including any collection costs and medical charges.

2. ) Provide a copy of my signature with the provider of service stating to release my medical information to said collection agencies.

& 3. ) Cease any credit bureau reporting until the debt has been validated by me.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to express my deep concern and frustration regarding an unresolved issue on my credit reports. There is fraudulent information from XXXX XXXX XXXX XXXX XXXX which, despite my previous attempts to resolve it, remains unresolved on my credit reports. I believe this fraudulent account has been reported inaccurately and is adversely affecting my credit score. As a diligent consumer, I have exercised my rights under the Fair Credit Reporting Act ( FCRA ) to dispute this inquiry 's accuracy with your company. The FCRA explicitly grants me the right to ensure that my credit report is fair, accurate, and up-to-date. However, despite my efforts to rectify this matter, I have not received any satisfactory response or resolution from XXXX XXXX XXXX XXXX XXXX. I hereby request that XXXX XXXX XXXX XXXX XXXX. Remove this fraudulent account from my credit report immediately. I have attached my FTC report supporting documentation. According to the FCRA guidelines, I trust that your company will uphold its responsibilities under the law and resolve this matter promptly within the specified timeframe. If XXXX XXXX XXXX XXXX XXXX fails to address this concern and rectify the inaccurate reporting within the given 30-day period, I must inform you that I will be left with no choice but to pursue legal action to protect my rights as a consumer. I sincerely hope that it does not come to this and that we can find an amicable resolution to this matter before it escalates further. I believe in the importance of accurate credit reporting, not just for my financial well-being but for the integrity of the credit reporting system as a whole. As such, I expect XXXX XXXX XXXX XXXX XXXX to take this matter seriously and treat it with the urgency and attention it deserves. Thank you for your immediate attention to this matter. I expect that XXXX XXXX XXXX XXXX XXXX will adhere to its legal obligations and resolve this issue expeditiously. Your cooperation in this regard will be greatly appreciated. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

My credit report dated XX/XX/XXXX, at Equifax contains Inquiries that I never authorized, nor did I do business with these companies. The following inquiry was not authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. Also, account # XXXX with XXXX XXXX XXXX XXXX is reporting as " CHARGE OFF/ WRITTEN OFF '' for the total amount stated yet I have received no tax forms from the IRS nor XXXX XXXXXXXX XXXX XXXX so that I can file my taxes accordingly. This Pathways account is reporting inaccurate adverse information. Also, US DEPT OF EDXXXX has taken over ownership of account # XXXX, # XXXX, # XXXX, # XXXX, and # XXXX from XXXX XXXX, the original creditor, as a third party on the face of the transaction without notifying the principle. The US DEPT OF EDXXXX is reporting information that does not coincide with the original contract. Account # XXXX is a duplicate account.
Consumer complaint received 2020-09-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

SOMEONE USED MY IDENTITY TO OPEN FRAUDULENT ACCOUNTS THEY USE MY SOCIAL SECURITY NUMBER AND ID WITHOUT MY CONSENT OR KNOWLEDGE IT WAS USED FRAUDULENTLY I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection ServicXXXX for other possible violations of the law.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (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. 

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.
Consumer complaint received 2016-01-07
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (CA)

I am receiving daily calls to my workplace and personal cell phone everyday from Navient about my student loans that I can not repay at this time do to the outstanding balance and interest on the loans. Navient also calls my mother, grandmother, and husband daily. My mother and grandmother are co-signers on a few of my loans and are unable to help me repay my loans due to their own financial restraints. This is harassment plain and simple and calling my myself and my family members multiple times a day ( including Saturdays ) will not change the mere fact that i can not afford these ridiculous monthly payments they are requesting from me. 

XXXX XXXX University XXXX College XXXX
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to express my deep concern and frustration regarding an unresolved issue on my credit reports. There is fraudulent information from XXXX XXXX which, despite my previous attempts to resolve it, remains unresolved on my credit reports. I believe this fraudulent account has been reported inaccurately and is adversely affecting my credit score. As a diligent consumer, I have exercised my rights under the Fair Credit Reporting Act ( FCRA ) to dispute this inquiry 's accuracy with your company. The FCRA explicitly grants me the right to ensure that my credit report is fair, accurate, and up-to-date. However, despite my efforts to rectify this matter, I have not received any satisfactory response or resolution from XXXX XXXX. I hereby request that XXXX XXXX. Remove this fraudulent account from my credit report immediately. I have attached my FTC report supporting documentation. According to the FCRA guidelines, I trust that your company will uphold its responsibilities under the law and resolve this matter promptly within the specified timeframe. If XXXX XXXX fails to address this concern and rectify the inaccurate reporting within the given 30-day period, I must inform you that I will be left with no choice but to pursue legal action to protect my rights as a consumer. I sincerely hope that it does not come to this and that we can find an amicable resolution to this matter before it escalates further. I believe in the importance of accurate credit reporting, not just for my financial well-being but for the integrity of the credit reporting system as a whole. As such, I expect XXXX XXXX to take this matter seriously and treat it with the urgency and attention it deserves. Thank you for your immediate attention to this matter. I expect that XXXX XXXX will adhere to its legal obligations and resolve this issue expeditiously. Your cooperation in this regard will be greatly appreciated. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2016-08-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MN)

I 've proven month after month that Equifax is reporting the wrong information and they continue to report inaccurate and incomplete information on my credit report and they are in violation of the FCRA : XXXX - XXXX - # 1 You have a date of " XX/XX/XXXX '' and I 've proven this to you month after month and you have n't done anything about it! 
# 2 you are reporting a balance of {$11000.00} when this is a released and PAID tax lien! 
# 3 you have an inaccurate court name " XXXX XXXX '' when you must list the court name accurately ; this is NOT accurate! 
# 4 you have the wrong liability amount # 5 you have the wrong reference # XXXX - # 1 You have a date of " XX/XX/XXXX '' and I 've proven this to you month after month and you have n't done anything about it! 
# 2 you are reporting a balance of {$2100.00} when this is a Satisfied judgement and my credit report even says this! 
# 3 you have an inaccurate court name " XXXX XXXX '' when you must list the court name accurately ; this is NOT accurate! 
# 4 you have the wrong liability amount # 5 you have the wrong reference #