davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-08
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)

I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-XXXX ) you are required to remove/block any accounts not later than XXXX business days after the XX/XX/2022. Ive already included this report in my previous letter & I am including it again. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-08
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: Fay Servicing, LLC (SC)

The issue is this : I did a loan modification, requested by Divorce Court, with Fay Servicing. I did what they asked -- - 3 months ( XXXX XXXX ) paid as they asked. Then, Fay Servicing sent me the paperwork to finalize BUT they included my x-wife 's name on the notary agreement. They had to change that notary-requested paperwork AND THAT CHANGED THE ABOVE REQUEST FROM THEM MOVING THE 3 MONTHS OF PAYMENTS TO XXXX XXXX. 

ALL PAYMENTS FROM XX/XX/XXXX UNTIL NOW HAVE BEEN ON TIME AND IN FULL ... My knowledge of Fay Servicing , LLC, from XXXX, Illinois, is that they are a " fly-by-night '' mortgage company that hold unassuming clientele in bonds to them without due course. CREDIT ISSUE IS THAT FAY SERVICING , LLC, HAS CONTINUED TO REPORT ME AS 120 DAYS LATE SINCE XX/XX/XXXX!!! I HAVE CALLED THEM MORE THAN A DOZEN TIMES TO FIX THIS!! PLEASE HELP ME. 

THEY USE DIVORCE FROM A BLACK WIDOW TO BIND THE GOOD PERSON TO THEM BY USING " PREFORECLOSURE '' METHODS WHICH ARE NOT WARRANTED in any way ... .unsupported to say the least. PLEASE HOLD THEM ACCOUNTABLE FOR THIS EVIL AGAINST ME. 

IN MY CASE, AS A XXXX XXXX XXXX XXXX VETERAN, XXXX, I HAVE NO ABILITY TO REFINANCE OR USE MY VA LOAN ENTITLEMENTS AND GET AWAY FROM THEM. I WILL INCLUDE ALSO MY FEDERAL WORK HISTORY AS AN XXXX AGENT. I HAVE 2 XXXX XXXX FOR MY SERVICE TO THE USA!! MY X-WIFE IS BEING INVESTIGATED FOR CRIMINAL ACTIONS TO DESTABILIZE ME!!! THIS IS GOING FORWARD AT THIS TIME AS DOCUMENTS INCLUDED SUPPORT ALL I HAVE SAID HERE.
Consumer complaint received 2022-06-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting Act 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 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 


15 U.S. C 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-10-14
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)

Hello, On XX/XX/2018, I requested verification ( the original instrument of indebtedness in it's original form ) for the following student loans from XXXX Credit Bureau : 1 ) Account # : XXXX 2 ) Account # : XXXX 3 ) Account # : XXXX 4 ) Account # : XXXX 5 ) Account # : XXXX 6 )  Account # : XXXX XXXX received my letter certified mail on XX/XX/2018. They replied on XX/XX/2018 with a letter describing their dispute process. I have attached the letter for you to review. Also they replied in comments : " By XX/XX/XXXX, this account is scheduled to go positive status. This item was updated from the processing of your dispute in XX/XX/XXXX. '' XXXX, XXXX, and XXXX has failed to comply with SECTION 609 of the Fair Credit Reporting Act which requires the credit bureau to send me a copy of the Original Wet-Inked Contract that I signed and not send me copies of copies of third party fraudulent and inaccurate documents or contracts. According to the Fair Credit Reporting Act, the credit bureau is required to verify through physical verification of the original signed certified consumer contract with my Wet-Inked Signature on it for any or all accounts they request to be posted and or reported on my credit report. Copies of copies are not Validation and are not considered proof for these accounts on my credit.
Consumer complaint received 2021-04-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (VA)

Mr. Cooper /Nationstar Mortgage add mortgage insurance in mid 2020 when no insurance was necessary. I called and no one could explain why it was added. A review was initiated and after several months the insurance was removed. I continued paying the mortgage amount minus the mortgage insurance. I was not aware that they were considering the payment as not paid in full. We just finished a Chapter XXXX bankruptcy in XXXX and I started looking into refinancing. This is when we found out the mortgage was considered late/not paid in full. I called and was told the only way to stop it being considered not late was to pay the overdue balance which I did in the amount of {$500.00} plus, which should have been removed since mortgage insurance was not required. Still waiting to hear back from claim we submitted to get that money back. Now Nationstar has added additional fees to the mortgage that my bankruptcy attorney is working on but it is holding up our discharge in addition to my refinance because I can't the document needed stating payments have been on time and never late.
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. (FL)

Hello all I am having an issue with the 3 credit bureaus. First and foremost theyre showing multiple accounts on my credit report that were included in bankruptcy as derogatory accounts with balances! This is incorrect reporting on my consumer reports! They say that creditors came back and verified this information as accurate, how could that be if it was discharged in my bankruptcy? It should show discharged with a {$0.00} balance! The refusal of updating the information is a violation of the bankruptcy discharge injunction prohibiting creditors from trying to collect on these debts. The negative remarks is causing my credit to remain stagnant. This is a violation of my consumer rights, and it is against the law to report such information on my credit report. I have tried to fix this issue with each bureau, however, they have refused to correct this information. Also, how can something go from reporting as ok to an automatic charge-off because bankruptcy was filed? This is against the law and is being reported inaccurately. Also theyre reporting my student loans as being 90 days late, however, I was never late! I was never XXXX nor 60 days for entries to be marked on my credit report as 90 days late only. This is incorrect reporting and is also against the law. Theyre also reporting my bankruptcy incorrectly, each bureau has a different filing date as well as a different discharge date, per the FCRA this is incorrect reporting as each bureau must report IDENTICAL INFORMATION in which theyre not doing and this is a violation of the FCRA!
Consumer complaint received 2018-04-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (OK)

i disputed this account over 2 years ago with XXXX ask them to validate this debt they where unable to and removed it from credit reports, Now a collection company name XXXX XXXX XXXX, just placed a collection account on my credit reports, have not received any notice from them and giving me the right to dispute this debt, i dont owe XXXX any money nor have an account with XXXX. 
I AM now asking that XXXX XXXX to provide me a contract with my signature and the amount they have reported to the credit bureaus with out notice to me, an itemized statement from XXXX or XXXX does not represent verification under FTC Opinion letter : ive lived here over to years so my address is known. 
upon the results will determine if i file civil suite against this company.
Consumer complaint received 2021-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (AZ)

I applied for a synchrony bank care card in XX/XX/2019 when my credit was in a not so great place, I believe my credit score was around XXXX at the time. They approved me and ever since then Ive use that card of the month to month basis always paying my payments on time including paying it off a couple of times, never once being truly late. On XX/XX/XXXX they closed the account with giving no prior notice of that change in terms, I believe breaking at least one lending regulation. When I asked they stated that it had to do with periodic credit checks but my credit is a little better than it was when they gave me the card which seems a little deceptive. I believe they are using deceptive practices to minimize what they feel may be a risk after accounts are already opened by them. Please look into Synchrony Bank and their practices
Consumer complaint received 2021-04-08
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (FL)

My wife and I applied for a refinance mortgage on XXXX with the broker, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. No. XXXX. Quicken Loans provided the first loan estimate that same day at {$380.00}. Subsequent estimates on XXXX and XX/XX/XXXX were {$16.00} and {$440.00}. Closing Disclosures on XX/XX/XXXX, and XX/XX/XXXX were {$1400.00} and {$1700.00}. Yet, they did not close, with more ( repeated ) documentation requested. On XX/XX/XXXX, a new Closing Disclosure was issued but with a cost of {$8400.00} shown. This despite no " change of circumstances to warrant it. I objected and, despite assurances by XXXX that this would be revised with a new closing document, our loan was denied on XX/XX/XXXX. four months from the start of the process!!! 
I am XXXX XXXX XXXX, my wife is XXXX. We have income of $ XXXX per year with additional investment accounts of over $ XXXX and very little debt. Our credit scores are both XXXX. 
there was no logical reason to turn us down, other than " being old '' or the mortgage broker having lured us with low cost and low rate come on and then not being able to get us to close at much higher costs. Now four months later, rates and costs have increased and it no longer makes sense for us to refinance with a reputable lender. 
I have all emails and documents to support this complaint.
Consumer complaint received 2022-06-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting Act XX/XX/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. 


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 2022-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Neon Newco Corporation (LA)

Employed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), I was automatically given a NetSpend paycard in leu of a paycheck. Netspend company automatically canceled my card without my permission and sent a new card via postal service. I tried to active my card online and the website reroutes me to a login page to login before I active my new card. BUT the log in page on Netspend 's website will never load on any device or even different web browsers... So I have no way of activating the new card to access my wages ... Before this occurred I tried to make a payment on one of my credit cards balances using my last card but again Netspend deactivated my card WITHOUT my legal authorization. So now I have a rejected payment and no way to access my wages. The company is clearly engaging in behavior that prevents access to a consumer 's balance. Additionally, the terms and conditions state if a customer does not claim their funds the company closes the account... AND NEVER GIVES THE CONSUMER BACK THEIR BALANCE. The behavior is fraudulent and predatory. 

I see that the FTC sued NETspend in 2018 for the exact reasons THAT ARE STILL OCCURING. 
If I can not collect my wages, how many other employees are still victims of the continued fraudulant behavior that this company never stopped... they are still getting away with stealing wages of the lower economic class.
Consumer complaint received 2018-04-15
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. (MD)

Since XX/XX/XXXX and XX/XX/XXXX, several times via USPS certified mail, I made timely and proper disputes for the removal of several inquiries on my credit file that I did not authorized. The  bureau immediately told me that Inquiries are generally a matter of fact and that under the Fair Credit Reporting Act, a credit reporting agency must retain a record of companies who have accessed your credit report. In writing and by telephone, I let the bureau agent know that I did not authorize these inquiries and that the FCRA requires that all inquiries reported by the bureau must be or have been authorized by me. The bureau did not remove the inquiries and informed me that all of the disputed inquiries will remain on the credit report for a year or two and that they " should not '' hurt my credit score. These inquiries have and are still hurting me and my credit score because they are neither factual nor authorized by me. 

The disputed inaccurate and unauthorized inquiries are : 1.  XXXX XXXX ... ... ... ... ... ... ... ... ..Inquiry : XX/XX/XXXX 2.  XXXX XXXX CC # XXXX ... ... ..Inquiry : XX/XX/XXXX 3. XXXX XXXX CC ... ... ... ... ... ... ... ... ..Inquiry : XX/XX/XXXX 4.  XXXX XXXX/XXXX ... ..Inquiry : XX/XX/XXXX 5. XXXX XXXX ... ... ... ... ... ... ... ... ... ... ..Inquiry : XX/XX/XXXX 6. XXXX XXXX XXXX, XXXX ... ... ... .Inquiry : XX/XX/XXXX 7. XXXX/XXXX ... ... ... ... ... ... ... ... ... ... ... Inquiry : XX/XX/XXXX
Consumer complaint received 2021-04-08
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. They accused me of selling drugs. Are they real? accusing me for something which i did not do. They don't even gave clear evidences for that. And now they 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 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 ''
Consumer complaint received 2022-06-25
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)

I RECEIVED MY CONSUMER REPORT AND FOUND IT FULL OF INACCURACIES DELETE FROM MY CONSUMER REPORT IMMEDIATELY, INACCURACIES LISTED BELOW. 

XX/XX/XXXXBALANCE XXXX XXXX STATUS CLOSED, ACCT # XXXX, LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) CLOSED DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) ( XXXX ). 


XXXX XXXX XXXX BALANCE XXXX XXXX STATUS CLOSED, ACCT # XXXX, LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE IS ( INACCURATE WITH XXXX ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) ( XXXX ). 


XXXX XXXX BALANCE XXXX XXXX STATUS CLOSED, ACCT # XXXX, LAST PAYMENT IS ( INACCURATE WITH XXXX AND XXXX ( XX/XX/XXXX ) OPEN DATE ( INACCURATE WITH XXXX ( XX/XX/XXXX ) LAST REPORTED DATE IS ( INACCURATE WITH XXXX AND XXXX ( XX/XX/XXXX ) ( EQUIFAX ).
Consumer complaint received 2023-08-01
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. (CT)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-08
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 have been trying to clean up and credit and I am getting no help from the credit bureaus. I have sent in disputes back in XXXX and to this day I still have not heard anything. A simple letter is not that hard to get out and let know what going on with the disputes I file.
Consumer complaint received 2021-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (TX)

Recently worked with XXXX XXXX XXXX in XXXX to resolve a debt with Barclays for 50 % of the balance. The payments were made timely and as agreed. Upon the final payment my credit file was to be updated. I recently received a notification in my credit report that Barclays updated on XXXX of the balance was paid in full and has not changed the current status to paid and balance as XXXX. I have filed a dispute before and this was the update.
Consumer complaint received 2018-04-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MD)

I qualify for an Income-Driven Repayment plan, and have been making consistent payments under that plan. I received correspondence from Navient on the following dates with the following notifications : XX/XX/XXXX : I needed to apply for REPAYE renewal by XX/XX/XXXX or a new ( non-reduced ) payment would be charged starting XX/XX/XXXX. 
XX/XX/XXXX : My electronic IDR renewal application was received. 
XX/XX/XXXX : My IDR renewal application was approved. 
XX/XX/XXXX : My request for REPAYE was approved. 
XX/XX/XXXX : Beginning on XX/XX/XXXX, a new reduced monthly payment would be debited from my designated bank account. 

I assumed that there would be no gap in reduced payments, as this is the clear implication of this correspondence. However, on XX/XX/XXXX, Navient billed me an amount equal to 5 times my reduced payment. 

Because my account is on AutoPay and I saw debits being made, I did not notice that my account was past due until now. In reviewing the correspondence, I see that one of the  XX/XX/XXXX letters states that my REPAYE plan will run from XX/XX/XXXX through XX/XX/XXXX. This is not a 12-month plan, as the same letter states. 

I believe this is an error at best, and at worst, a continued pattern of deceptive communications. I would like to have the overbilling and resulting late fees/charges removed from my account so that it shows as in good standing with no negative affect on my credit.
Consumer complaint received 2022-12-18
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: Mr. Cooper Group Inc. (FL)

Creditor Name NATIONSTAR/MR COOPER Account number : XXXX I recently received a copy of my consumer report, and I noticed some late payments posted on my accounts. By law, pertaining to the CARES ACT, accommodations were made to my account and ive been current since, and late payments should have not been reported and is a clear violation to my rights as a CONSUMER. I have never missed a payment in the month of XX/XX/XXXX or any months AFTER. I have been affected by XXXX XXXX Please update the month of XX/XX/XXXX. PLEASE UPDATE to either ON TIME, NO DATA/DATA UNAVAILABLE, or DELETE ACCOUNT altogether : The following supporting documents are enclosed for your review : 5. CARES ACT 6. 15 USC 1666 ( BILLING ERROR ) 7. 15 USC 1681 C-1 8. 15 USC 1681 C-2
Consumer complaint received 2021-04-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (GA)

Upon review of all 3 of my credit reports, I found an account listed under Vance & Huffman LLC. I have no business dealings with this company, no contract and no signed agreement showing I have purchased anything. I have initially reported this to XXXX who has now completed their investigation with the findings of this account being a result of identity theft, this account has now been removed from my XXXX file. I am now showing this account listed on my XXXX credit report listed under amount of {$5200.00}. Please review the results from XXXX and take action to remove this inaccurate account from my XXXX file.
Consumer complaint received 2021-04-08
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. (NC)

I have returned to seek help with you Consumer Financial Protection Bureau because I have reviewed my credit report and I see that the credit bureaus continue to report inaccurate information in my report, and not only that, they have NEVER sent a response letter to me home. This makes me very sad since I have been working on my credit in order to buy my own house, I do my best to take care of my credit so that the bureaus do not take the time to investigate the information they report. Also, this month my credit score is lowered a lot and I don't see why, since I have no new debts, I have not applied for credit and I have not fallen behind with my payments. I want to know why my score has dropped. Thanks