davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Business Bureau (IL)

Under the Fair Debt Collection Practice Act, Medical Business Billing did not afford me the opportunity to validate or dispute a debt by not sending the appropriate statement via United States mail to my home address. There has been no verbal contact with this company until I made contact, speaking to XXXX, XX/XX/XXXX. 
Through credit monitoring, I received notification of a negative collection item by Medical Business Billing for {$100.00}. Medical Business Billing had never contacted me ; in fact, the account was with XXXX for {$150.00}, yet XXXX called doing the time XXXX had contacted me for payment and {$55.00} paid to XXXX, leaving balance of {$100.00}. 
Upon calling XXXX XXXX after notification of collection activity, the account was sent to Medical Business Billing on XX/XX/XXXX with no updated phone number for contact per XXXX, supervisor, XXXX XXXX. 
I was advised by XXXX at XXXXXXXXdical Business Billing, once the {$100.00} is paid, the collection would come off my credit report ; however, he would not send information discussed in writing. 
This company is playing by its own set of rules not congruent with FDCPA.
Consumer complaint received 2022-04-22
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. (OK)

In accordance with the Fair Credit Reporting act XXXX Account XXXX from XXXX 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 an account without my written instructions.
Consumer complaint received 2021-12-28
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. (CA)

This is XXXX XXXX, who is submitting this CFPB complaint myself. The Equifax Credit Bureau is reporting inaccurate information on the listed accounts below. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX )
Consumer complaint received 2019-07-20
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: GB Collects, LLC (FL)

This agency sent repeated demands for payment of some type of medical debt to my sons apartment at XXXX XXXX XXXX. I am not aware of nor am I responsible for any debt owed to XXXX XXXX, we have always been on Obama Care. Premiums always paid on time to XXXX XXXX XXXX XXXX. GB has violated my privacy rights by sending threatening letters to my son. I want them to cease immediately!!!
Consumer complaint received 2022-04-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (TX)

I am writing in regards to Navient Private Student loan company. In 2013 My husband and I filed XXXX XXXX bankruptcy and included Navient formally known as Sallie Mae in to my list of creditors. This company has been aggressively contacting me after my bankruptcy discharge trying to collect payment. I did not voluntarily make payments. 

At the initial meeting of creditors Navient formally Sallie Mae never showed up at court to make a claim. At the meeting of creditors Navient would have been able to make any claims for payment to them. Navient Instead waited till the end of our bankruptcy to collect the principal plus interest during the entire time of my bankruptcy. 

After been harassed several times by Navient we agreed to pay them because of the undue stress they were putting on myself and my family. After my bankruptcy was discharged, I initially told Navient that I didnt owe them any more money because it was discharged in our XXXX XXXX XXXXankruptcy as being a non-qualifying student loan. I verified this information from the college I attended to. Navient did not give us a Private qualifying student loan. After the bankruptcy discharge Navient repeated to call me and my husband and sent me letters colleting payment. I was told that I must make payments and my student loans cant be discharged and they would report me late to the credit bureaus if I didnt send in a payment. After going through the bankruptcy process, I was in fear of them reporting me to the credit bureau late and messing up my credit. 


At this time, I have records of my bankruptcy and a record of every qualifying student loan that I received during the time enrolled at XXXX during my enrollment.
Consumer complaint received 2022-04-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (KS)

My homeowners insurance billed my escrow account for my premium. My escrow account underpaid my premium and now my homeowners policy is set to lapse due to underpayment. When I called my loan servicing company ( Mr. Cooper ), they said the error was due to miskeying in payment processing. The were subsequently billed for the underpaid premium and never made this payment.
Consumer complaint received 2022-04-22
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account 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 5 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 2022-01-10
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. (OH)

My Personal Information was compromised and there were a number of inquires I did not authorize. Have contacted Credit Bureaus on numerous occasions to have these fraudulent inquires done without my consent to be removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.
Consumer complaint received 2022-01-10
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)

This account is inaccurate and an FCRA violation. XXXX XXXX XXXX  # XXXX According to FCRA 611 ( 15 U.S.C. 1681I ) ( i ) Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Please remove this inaccurate account from my credit report.
Consumer complaint received 2022-10-17
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: Affirm Holdings, Inc (IL)

I have XXXX XXXX  app which reports my credit I got a notification that an account has been open today which is XX/XX/2022 with Affrim Inc. I didnt open this account
Consumer complaint received 2021-12-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (KY)

The XXXX process started in XXXX, my XXXX  and I took a XXXX out on XX/XX/XXXX. The payments were always made on time, the loan is a XXXX XXXX loan it originated through XXXX XXXX XXXX  so they own the note. The mortgage has been transferred to several banks. The mortgage servicer was Wells Fargo when it went into foreclosure. Wells Fargo started the foreclosure in XXXX/XXXX. I am on the mortgage and security instrument, but not the note. My XXXX is in a XXXX home with XXXX, her XXXX is the XXXX XXXX XXXX XXXX XXXX, her XXXX whom is XXXX is the XXXX XXXX XXXX XXXX XXXX  The XXXX did not inform me that they stopped making payments on the XXXX and the bank never notified me. My address on XXXX documents are going to an address that Ive never lived at. My address is the same address that is being XXXX. When I found out it was in XXXX, I tried to make payments with Wells Fargo but they wouldnt let me have access to the acct, the XXXX  refused to let me pay. I sent in complete XXXX XXXX paperwork and was never contacted back, which is against FHA rules. I put up my XXXX as a security instrument, my XXXX  bought my XXXX XXXX  out so I would stay there, Im in all XXXX documents its in the XXXX  yet Im going to XXXX my home? Wells Fargo closed the account in XX/XX/XXXX and sold their interest to a trust company named XXXX XXXX XXXX, the bank is now XXXX Bank. They waited 180 days after purchasing loan and started up the XXXX again even though they never notified my, the XXXX  still shows Wells Fargo as XXXX The fees are now 3 times as much. This case is full of fraud, XXXX neglect, refusal of account access to a borrower on XXXX, discrimination of a XXXX adult, refusal of XXXX XXXX, its over the statute of limitations for the case and what has happened. Wells Fargo contacted me after I complained with you in XXXX, but they still would not let me have access to account to pay. They said they would contact me with a payoff amount, but did not and then the loan was transferred. I dont know what to do because no one will look at the detail of this case. The banks have to follow servicing rules and Im still notified of nothing. The XXXXXXXX information should be mailed to the address being XXXX on which is where I live. Help me! This is illegal please look at the entire case.
Consumer complaint received 2022-04-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capio Partners, LLC (TX)

In accordance with the Fair Credit Reporting act. ASSETCARE LLC is violating my federally protected consumer rights to privacy and confidentiality un

der 15 USC 1681. Alleging a debt is owed and furnishing to the credit bureaus without notifying me
first. This is also a violation of due process ; I do not know who my accuser is, and ASSETCARE LLC is a third party debt collector doing business in texas without a license and in violation of mentioned laws herein. 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.

For reasons stated, ASSETCARE LLC debt-collector must remove all inaccurate information from my credit reports due to the fact they have no legal right nor my consent to post/furnish on my credit reports.
Consumer complaint received 2021-12-09
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. (CA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party. I am the consumer, natural person and original creditor. Pursuant to 15 USC 1681b ( a ), I request the deletion of the following list of hard inquiries included as an attachment in this complaint. Pursuant to 15 USC 1681n ( a ), Equifax is liable for damages due to non-compliance and shall compensate me for {$1000.00} per inquiry.
Consumer complaint received 2022-04-22
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. (FL)

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 about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-12-09
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX  XXXXBalance {$540.00} XXXXBalance {$50.00} XXXX  XXXXBalance {$0.00} XXXXBalance {$450.00}
Consumer complaint received 2021-12-09
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. (CA)

I APPLIED FOR THIS CREDIT CARD AND HAVE NEVER USED IT. 
THE REPORTED ME LATE IN XXXX OF 2019 AND I HAVE NEVER EVER USED THE CARD THEREFORE NEVER HAD TO MAKE A PAYMENT OTHER THEN THE {$99.00} ANNUAL FEE THEY CHARGE ME WHICH I HAVE PIAD ON TIME
Consumer complaint received 2021-08-04
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AmeriCollect (WI)

Received multiple calls from Americollect regarding a debt that I had no idea about. I inquired as to what the debt was for and informed them that I have two different insurance companies both cover ambulance rides. Americollect refused to listen and I further found out that the bill had been sent over by XXXX XXXX without them attempting to bill my insurance company.
Consumer complaint received 2022-04-22
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. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (CA)

Navient is stating I have a 90 day late payment from XXXX of XXXX. In XXXX of XXXX I filed a deferment. I also informed navient that XXXX XXXX XXXX XXXX XXXX and that I wanted to make sure that my account was in good standing before I was going out on XXXX XXXX. Ambient told me I qualified for the income driven program and that I my bank ace a month with be XXXX. I also was informed that I would not have to make another payment until XXXX. I filled and completed the application for the income driven plan and faxed it to the Navient. Upon checking my credit report I was o formed that I was 90 days late. Every month was on time but XXXX of XXXX. I asked to have it the late payment disputed through Navient, XXXX, XXXX and XXXX for reporting in correct information. I also reached out to XXXX and XXXX law to have the late payment disputed off my credit report.
Consumer complaint received 2021-12-09
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 was XXXX due to XXXX  from XX/XX/XXXX to XXXX XXXX. 
on XX/XX/XXXX my wife called XXXX XXXX to notify them of my XXXX and ask for an extension or forbearance for the upcoming payment which was due between She was told that they would process the forbearance and email me confirmation. I received no emails or confirmation. following release from the hospital realizing they had not responded or confirmed the forbearance i made the payment over the phone. 
they still reported a thirty day late on my credit report and it has caused a substantial drop on my credit score. 
I would like the XXXX day late deleted from my credit report
Consumer complaint received 2022-08-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I was scammed by a XXXX XXXX XXXX XXXX XXXX, they posed as this regulated company and ended up scamming me out of XXXX USD. JPMorgan Chase Bank was the institutions from which i sent my money to the Fraudsters, Chase bank did not at one point warn me against them nor even respond to my complaints, they are completely ignoring me.
Consumer complaint received 2021-12-09
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 XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXXBalance {$39.00} XXXXBalance {$220.00} XXXXBalance {$180.00} XXXX XXXX XXXXBalance {$0.00}
Consumer complaint received 2021-12-09
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)

I CURRENTLY HAVE AN OPEN ACCOUNT WITH THEM IN GOOD STANDING. 
I HAVE NEVER BEEN LATE HOWEVER THEY ARE REPORTING A 30 DAY LATE O TO THE CREDIT BUREAUS BACK IN XXXX OF 2019 I HAVE TRIED MULTIPLR TIME TO GET THIS RESOLVED BUT THERY ARE REFUSING
Consumer complaint received 2022-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

Today, I checked my credit report. I am considering applying for a HELOC, and one company denied my application because of an Equifax report. I have repeatedly tried to correct the report online and tried to speak with a representative, who did not help me. Equifax reports that my account is blocked for promotional purposes. They will not even tell me what this means and will not remove the block.
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc. (OH)

Company listing my account as a charge off every single month instead of just the month it was charged off. I have also reached out to this company for debt validation with no response. Please assist me in contacting thr company to get the necessary information. 
Thank you.
Consumer complaint received 2022-04-22
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. (FL)

I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2022-08-03
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. (NY)

In accordance with the Fair Credit Reporting act 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 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (WA)

I tried to apply for XXXX XXXX XXXX XXXX XXXX from Chase, but I keep getting the same error message " You are not eligible for the new cardmember bonus because you currently have or had a XXXX XXXX XXXX card from XXXX XXXX or a XXXX XXXX card from XXXX XXXX, as described in the eligibility criteria. " And my application got automatically denied. However, I do NOT have these cards as indicated in the error message. Please ask Chase to fix their system.