davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (CA)

LexisNexis did not have permissible purpose, nor did they have my written instruction. I have attempted to resolve the issue directly with LexisNexis. Please see attached certified mail and receipts. 
According the FCRA, LexisNexis violated 2 of my rights : 1. 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction
Consumer complaint received 2018-02-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

XXXX has me in collections for an open balance of {$980.00}. which i never opened i actually have my phone line still open so i dont know why they have me in collections. 
same thing with capital one balance in collections of {$530.00}
Consumer complaint received 2021-02-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (MI)

We fell XXXX behind in XXXX XXXXdue to family emergency and loss wages then applied for a midigation which took XXXX for a determination at which they wouldn't take payment during this time.in XXXX they set a repayment plan for XXXX at {$1800.00} a month I was affected by XXXX in XXXX and couldn't pay the {$1800.00} XXXX XXXX and was denied a directed to get on tge forbarance program which is still in affect.However I got word thru a freind that my home was up for auction and when I contact the Mortgage company US Bank home mortgage in XXXX I learned there's a extra {$19000.00} on my loan that has no clear understandable explanation which has brought my principal balance up to $ XXXXI need help resolving this matter and saving my home that I've owned XXXX and don't wan na loose.I currently owe {$6000.00} but is afraid paying it won't save my home due to the extra {$19000.00}
Consumer complaint received 2018-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX {$970.00}, XXXX XXXX XXXX {$880.00}, XXXX XXXX XXXX {$2600.00} Debt can not be collected twice ; settled with original creditor ... unlawful and disgusting ... 
Original creditor has stated that they did not verify, and that they have it on record that my insurance carrier paid all XXXX accounts ... so why do you still report these? 


... grave errorsfalse claim and reportingI want this account removed immediately or litigation may follow. 
Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2021-02-10
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings (TX)

XX/XX/XXXX XXXX I attempted to obtain my account number so I can review the debt. The woman at the company was extremely rude And refused to give it to me. Literally I told her maam you guys are asking me to pay a debt and wont even give me the information on it. She was aggressive and rude. We went back and fourth and they still failed to provide this information. I even hung up to call again to speak to someone else and they transferred me right back her. The calls have become more harassing and overbearing and no one at the company will provide me of the breakdown of debt I owe because EVERYTIME I call they jump straight to and I quote so are you not gon na pay Ill say can I have my account number please and theyll say the same thing. It is a recorded call and can be pulled for record. Ok
Consumer complaint received 2022-04-24
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Maximus Federal Services, Inc. (MA)

I went to XXXX College in XXXX XXXX, MA while the school was being sued- it was a joke school and pretty expensive. Many people have been repaid for this issue. I would like to address this as soon as possible because it has been effecting my credit score for years now.
Consumer complaint received 2022-01-07
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 (FL)

XX/XX/2021, I tried applying for a pre-approval letter in order to attain a mortgage, When my credit report was pulled, it showed an arrear of inconsistencies. While auditing my credit repair, I came across a few errors. M & T Bank is not reporting the same account number to all 3 credit bureaus XXXX M & T Bank is not reporting the same Account type to all 3 credit bureaus, M & T Banks is not reporting the No. Of Months ( terms ) the same to all 3 credit bureaus, those are just a couple of inconsistencies. I reached out to M & T Bank to find out why they're not reporting to the credit reporting agency the same across the board, now Im challenging their Accuracy and Integrity. With these errors, my credit score has dropped and it has cost me a lower apr and lower approval account. 12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( XXXX ) Identifies the appropriate consumer. 
12 CFR ( d ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and
Consumer complaint received 2021-02-26
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 ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for weeks but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX / XXXX XXXX
Consumer complaint received 2021-02-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

I have a home loan with Mr. Cooper. I've been with them since 2013 and have never missed a payment. Two weeks ago I couldn't login to the online banking system as it gave me an error saying I was in bankruptcy and had to call them. I called them for days trying to get this resolved. I spoke to approximately 8 reps over two days before one of them saw the error. But even then, they couldn't fix it. Apparently there's another person with the same name in North Carolina going through a bankruptcy. But Mr. Cooper decided that that person was me, in XXXX XXXX California. They told me they'd fix this, but it hasn't been fixed yet. This also caused my upcoming payment to be over {$400.00} more because apparently that bankruptcy that wasn't mine, caused an escrow analysis. I can only imagine they reported this to the credit agencies as well and who knows what else. But my loan has been disrupted and they made changes without even checking with me. They have not contacted me once. I'm the one who has been calling almost daily now to find out what this extra {$400.00} is about. This is not the first time they made a mistake with my account. A few years back, Mr. Cooper did not make my insurance payment. So for a few months my home wasn't insured. Luckily the insurance company contacted me and let me know. XXXX knows how bad it could have been if I had needed my insurance during this time. 

Anyway, this is just bad business across the board. They've caused me lots of stress, and most of this is out of my control. They shouldn't be able to do this to people.
Consumer complaint received 2021-02-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AUDIT SYSTEMS,INC (FL)

On XXXX XXXX, 2020, I wrote a check for {$28.00} to XXXX in XXXX XXXX, FL. The check never cleared the bank, and I could not figure out why. My bank had no record of it. Two months later, my check was declined at a store. I requested my file from XXXX, which showed the outstanding XXXX check. I contacted XXXX XXXX XXXX 's parent company, XXXX XXXX XXXX XXXX, XXXX XXXX again ) and Audit Systems. No one seemed to know what was going on with the check and why it did not clear. I called my bank and heard the same story. No record of it. This went on for some time with no answers. Finally, XXXX XXXX saiid Audit Systems had this check. I called to find out what I could do to resolve this. Audit Systems said my bank had rejected this check because of the check image. They wanted me to pay the amount of the check, along with a {$25.00}. I refused to pay the fee because I said I was not at fault for a bad check image. I also told Audit Systems that my name and contact information were on the check, so why wasn't I contacted if there was a problem. I received no straight answer. We argued back and forth over this fee that I was not about to pay. I contacted XXXX XXXX again and was told that Audit Systems wanted to collect the fee because if they didn't, they would not collect their commission. I said I was not paying a fee. XXXX XXXX finally had the check moved to another agency, who did not charge me a fee. I paid the {$28.00}, and that was it. Audit Systems was unprofessional, rude and condescending. I do not want anyone else to be taken advantage of by these creeps. I'm sure others pay their fees without questioning. I was not.
Consumer complaint received 2018-11-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (CA)

Responding to a mail solicitation, I deposited {$15000.00} with Citibank on XX/XX/2018. The promotion promised a bonus from the bank of {$400.00} after the money was held in a savings and checking account for 60 days, split between the two accounts. I later discovered that the {$400.00} would be deposited in one of the accounts after an additional 90 days. That time elapsed aver two weeks ago I have twice spoken on the telephone with customer service agents and once face-to-face with the manager of a branch office. Each time I was told the {$400.00} would be added to my account in " one or two days. '' No money has been given to me. I notice that on your database there are  many complaints about this same issue. Please help me as Citicorp is unresponsive and evasive on this problem.
Consumer complaint received 2022-02-01
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. (NJ)

I have been so patient with Equifax but it seems they are just neglecting my request of removing the items I asked them to do. Some items were not related to me and some of the furnishers were not authorized. I would like them to be removed immediately if no proof is provided. 
Incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Employer : XXXX Charge off : XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX  XXXX Balance : {$1500.00} Inquiry : XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX
Consumer complaint received 2021-06-25
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUN LOAN COMPANY INC. (TX)

Sun loan is the company my identity was stolen the placed a debt on my credit report its been 7 years Ive tried to resolve this and they still are trying to make me pay for something I didnt do
Consumer complaint received 2019-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (WA)

I received a bill for the annual fee for a credit card on XX/XX/2019 from Barclay Bank for an XXXX XXXX XXXX Mastercard. I have not used this in a year or so. I called the Service line for Barclays Bank 's on XX/XX/2019 found on the back of the bill. I spoke to an " off-shore '' service individual about closing the account. After providing my name, date of birth, l

ast four digits of my social the service center could not find my account in their database. I was put on hold for more than 20 minutes. I called back and went through the same process and then asked to speak to a supervisor. No one could find my account although the card company sent me at least two bills at my current address. I had destroyed the card after the previous bill so could only provide the last four digits from the current bill. After 30 minutes on hold I gave up. I wrote a letter to cancel the account and mailed i
t with a copy of the bill to the bank. I am disturbed that a credit card company can send me a bill, but is incapable of cancelling my account. I have spent hours dealing with this without resolution.
Consumer complaint received 2021-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Creditor Information {$4400.00} XXXX XXXX XXXX XXXX. XXXX, XXXX ( 1 yr, 11 mos ) Original Creditor Name XXXX XXXX XXXX XXXX XXXX  {$640.00} Opened XXXX XXXX, XXXX ( 4 mos ) Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX (  XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX I have reached out consecutively to ALL creditors in reference to this matter they are very unprofessional unconcerned & unresponsive u have various charges that where unauthorized & some presume to be me & are bogus & artificial claims some have been closed reopened as well can someone please respond in a timely manner & ASAP
Consumer complaint received 2020-01-28
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. (VA)

This is a follow up complaint since the other complaints were closed without taking full action, as I requested. For one -- I've included my driver 's license and SSN card so that we can get my name straight on all 3 credit reports ( not what you think it is, nor what you wish it to be! ) This has been an issue with you for over 5 years, as I've asked you countless times to have this updated and remove any entries that are not accurate and reflecting my correct name. 

Additionally, I would like to know why my credit report is taking such a huge loss of points ( 55-60 points ) for 2 accounts that have outstanding pay history? Not only that, but it looks like every few months you all have been taking points for the same account ... One month you take my score down 20 something points for a $ XXXX- {$2.00} increase and then the next several months there is no change? In less than 6 months my scores are taking a hit for the same account? That has a paid on-time status?? Can you please explain the formula used in decreasing/increasing credit scores and why this would be happening every several months? 

Attached are just a few of these entries/changes.
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

to whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me i have no knowledge of them, be advise by law i have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX XXXX opened XXXX XXXX FOR {$450.00}, XXXX XXXX XXXX XXXX XXXX FOR {$460.00}, XXXX XXXX ON XXXX XXXX FOR {$620.00}, XXXX XXXX XXXX XXXX XXXX ON XXXX XXXX FOR {$1900.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATION ... THE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX  AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA. under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt
Consumer complaint received 2022-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (CA)

In XXXX, 2021, I filed an FCRA request with XXXX to correct inaccurate information on my credit report. XXXX has been reporting for years that my account balance with Elan Financial Services is in dispute, when no dispute exists. I had previously been questioned about this while applying for a mortgage. 

XXXX responded that they verified the information as accurate. I subsequently requested a reinvestigation, and XXXX responded identically. I then requested a description of the verification procedure, and XXXX refused to provide one, in violation of Section 611 ( a ) ( 7 ). XXXX instead told me verbally that they relied upon information from Elan Financial Services, and I should request a letter from Elan confirming my account status. 

Therefore, I contacted Elan Financial Services. Elan denied knowledge of any current dispute. I requested a verification letter affirming this, and Elan verbally agreed. Elan then wrote a letter claiming that they couldn't provide any information about the alleged dispute on my credit report because it was reported through the credit reporting agency. 

Thus, both XXXX and Elan are pointing fingers at each other, saying that they don't know anything about why my account balance is showing up as being in dispute. Additionally, XXXX has, without my consent, added a notation to my credit file indicating that I dispute that my account is in dispute.