davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 


XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXXXXXX 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 EMPLOYER : XXXX XXXX XXXX XXXX EMPLOYEE XX/XX/XXXX XXXX XXXX XX/XX/XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX Collection : DEPTEDXXXX XXXX DEPTEDXXXXT XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX XXXX XXXX XXXX XXXX ELEVATE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ADDRESS : 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  Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX : DEPTEDXXXX  XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXXT XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections : XXXX XXXX DEPTEDXXXX XXXX Delete this account. 
XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXXT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-21
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. (CA)

I have recently disputed my late payments as well as sent out letters asking for goodwill help on removing these lates as they are dramatically hurting me financially and emotionally. 

In accordance with the FCRA ( Fair Credit Reporting Act ) XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the FCRA ( Fair Credit Reporting Act ) XXXX XXXXXXXX XXXX  Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 : States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : States a consumer reporting agency can't furnish a account without my written instructions.

15 USC 1666B : A creditor may to treat a payment on a credit card account under an open ed consumer credit plan as late for any purpose.
Consumer complaint received 2022-06-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (NY)

I applied for a loan with Rocket Mortgage, the loan originators name is XXXX XXXX ID : XXXX. When I spoke with XXXX I explained that I was applying for the loan to see if I would qualify and that if I did I would need to sell my current home first before closing on the acquisition of this home. I explained that this would be a process and it would likely take a while, putting me past my rate lock period. He explained no problem and told me rate locks are about XXXX dollars each and that they are due at the time of closing. I was ok with this as I understand that the rate would need to be extended. I extended it a total of 3 times and I am now ready to close the transaction and purchase the new property. I then get a call from XXXX with Quicken Loans XXXX ID : XXXX stating that he has great news and he worked his magic. My rate went up, and because the second rate lock expired I now need to go from XXXX cash to close to over XXXX cash to close. I said I was told it was XXXX, and that those numbers do not add up. He said he would look into it and called me back the next day ( XX/XX/2022 ). When he called me back today he said he looked into the issue with another department and it turns out " They failed to disclose the penalties and cost of extending the rate 3 times. '' After telling me that he then proceeded to tell me that Quicken Loans has decided there is nothing they can do to credit these costs. Now I am a week out from closing and have my current house about to close and I have to come up with an extra almost XXXX to buy the new house, or I will not have a new home for myself and 4 kids. This is the definition of predatory lending and not disclosing the costs of the loans. I am not sure what I can do as I hurry to find the additional funds.
Consumer complaint received 2022-06-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IL)

Dear CFPB : I am officially filing a complaint against the FedLoan Servicer. Please see attached document for details regarding my inquiry and concern related to Public Service Loan Forgiveness ( PSLF ) Program. 

I've clearly demonstrated that I have fully met the PSLF criteria : 1. I have over 10 years of qualifying public work experience, and 2. I have made over 160 qualifying loan payments between XX/XX/XXXX through XX/XX/XXXX. 

Fedloan seems to have miscalculated my years of public service. My former employer, XXXXy XXXX XXXX of XXXX XXXX, Department XXXX XXXX XXXX, attested that I was employed from XX/XX/XXXX through XX/XX/XXXX, which brings my years of public service to over 11 years. 

Since PSLF began in XX/XX/XXXX. I counted my qualifying years of service from XX/XX/XXXX through XX/XX/XXXX, which comes to 10 years and 7 months. I have been making loan payments since XX/XX/XXXX. To date, I have made over 160 qualifying loan payments. 

As you can see, I have fully met my obligations under the PSLF. FedLoan keeps messing up. Therefore, I am reaching out to CFPB to intervene on my behalf at this point and hold FedLoan accountable.
Consumer complaint received 2018-06-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

XXXX XXXX has multiple late payments notated on my credit report. These payments were made on time and the loan is now paid off. XXXX  has failed to report any payments since XX/XX/XXXX. These late payments should be updated to on time and my account should show as closed in good standing. 

Late payments that should show as on time include : XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ; and XX/XX/XXXX. 

I contacted XXXX XXXX on XX/XX/XXXX to ask that they update this information and paid off the loan completely. I now have the title and the note from XXXX saying my account is closed in good standing, but reporting to credit bureaus has not been updated. I am filing a complaint to update these late payments as on time and close this account in good standing.
Consumer complaint received 2022-06-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 


XXXX ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX Employer : XXXX, AZ XXXX XXXX West XXXX XXXX XXXX, Arizona 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 ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX : XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX  XXXX XXXX XXXX XXXX Arizona XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX Equifax ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Arizona XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collections : 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 EMPLOYER : XXXX XXXX XXXX
Consumer complaint received 2022-06-22
Product: Mortgage — Conventional home mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Fay Servicing, LLC (MD)

As a consequence of the pandemic, I lost my job so I could only keep up with the mortgage payments until XX/XX/XXXX ( 5 months into the pandemic ). I found myself in default for the whole year of XXXX and part of XXXX. However, for most of XXXX, the state of Maryland XXXXXXXX XXXX XXXX had been in close contact with Fay Servicing , LLC as I was in the process of being approved for homeowners assistance to bring my mortgage up-to-date. According to a Fay Servicing representative, with whom I spoke, they informed the state of MD that Fay Servicing was placing a hold on my loan-account until XX/XX/XXXX, before they would take any further action. However, on XX/XX/XXXX, Fay Servicing reported to the credit bureau that I was in default which caused a XXXX drop to my credit. 

They did not keep their promise to wait until XX/XX/XXXX. I immediately called XXXX XXXX to report this and told their representative that their company had clearly acted in absolute bad faith because the entire time that I had been in default ( for 20 months straight ) they had never reported anything to the credit bureau. They knew the state of MD was helping me out, and they reported me - before the date they had set up themselves. Their representative had the audacity to tell me that I was not the only one that was affected by the pandemic ; that millions were keeping up with their mortgage payments. I told him that it was not his place to be making diminishing judgments of any of their customers. My mortgage is now up-to-date thanks to my state assistance. Over the years, I have come to dislike the way Fay Servicing representatives talk to me. They are extremely disrespectful and rude. I always feel intimidated by their phone calls especially during this pandemic that turned my life upside down.
Consumer complaint received 2022-11-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP (NJ)

Dear Administrator, Today ( XX/XX/2022 ) I try to open an checking account in usbank followed the following page : XXXXXXXX XXXX XXXXXXXX # XXXX After I filled and submit all personal sensitive information, then application is denied. 
Application ID : XXXX I called the customer service, asked why my application is denied, I was told because I live in XXXX XXXX, no branch in XXXX XXXX. 

Why they don't tell customer this offer just for people living in some area? 
I called the bank again, request talked to their supervisor, the supervisor said sorry, will ask programmer make change. 

It's unfair, they already knew the " offer '' is limit, why they don't tell customer at the beginning? 

It's cheating! Absolutely cheating! They want to collect person 's information, so they put a fake advertisement. 


Any help for protection customer is greatly appreciated! 

XXXX XXXX
Consumer complaint received 2022-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

Equifax is continuing to violate my rights as a federally protected consumer. They have affected me and caused me hardship by misreporting and listing inaccurate information on my credit file. Equifax did not exercise their grave responsibility to protect my right to privacy. They have been unfair and impartial and never received my consent to furnish anything.
Consumer complaint received 2022-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 section 602 a. states I have the right to privacy.

15 USC 1681 section 604 a section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 b : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXX
Consumer complaint received 2022-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Disputed this account being reported on my Equifax report multiple times over the last XXXX days however the account remains on my report. Equifax failed inform me of who or verified this account as accurate. The account is associate with fraud and I even attempted to dispute this account directly with the company XXXX however the dispute was returned to me undeliverable by XXXX. This account needs to be deleted immediately as it is inaccurate, damaging not verifiable. Please respond to my dispute and advise me and how this account was verifiers by equifax.
Consumer complaint received 2022-08-21
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: HW Holding, Inc (TX)

XXXX XXXX has violated several of my consumer federally protected rights. XXXX XXXX is a debt collector as defined in the Fair Debt Collectioj Practices Act. I sent XXXX XXXX Exhibits showing exactly how they have violated me as the consumer and I labeled each violation clearly from the FDCPA. 

Violation 1 - 15 USC 1692b ( 2 ) a debt collector can not state that a consumer owes any debt.

Violation 2 - 15 USC 1692d ( 2 ) the term debt is obscene and profane language to me the consumer Violation 3 - 15 USC 1692 ( f ) ( 8 ) a debt collector may not use any language or symbol on any envelope and XXXX XXXX in fact has a logo on their envelope Violation 4 - 15 USC 1692c a debt collector can not communicate with the consumer without the consumer permission to do so 15 USC 1692a ( 5 ) The term debt means any obligation or alleged obligation I never gave XXXX XXXX XXXX to speak to me I never gave them my information. 

There are more violations in the attachment with the affidavit of fact that I sent to XXXX XXXX in which they have received.
Consumer complaint received 2022-06-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 


XXXX Name : XXXX, XXXX, XXXX EMPLOYER : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX  XX/XX/XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXXXXXX XXXX XXXXE, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX Collections XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX EMPLOYER : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax ADDRESS : XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Collections : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (FL)

Barclays Bank continues to report to the credit bureaus as an account that was charged off. I've tried disputing it on the credit bureaus and my dispute actually messed things up work. I filed and was XXXX in XXXX XXXX XXXX years ago, as of XXXX Barclays decided to list my account as a charge off and report a serious delinquency and recent late payment on XX/XX/22. It dropped my XXXX  score over XXXX points.
Consumer complaint received 2022-06-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (OH)

Notice for Proof of Claim Account : I.C. System, IncXXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab into. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Consumer complaint received 2022-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am a natural person, I am a living human being, I have right under 15 USC 1681. 

Equifax, is governed by 15 USC 1681. And they have violated my rights numerous times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-21
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. (FL)

My account is incorrect, I am a natural person, I am a living human being, I have right under 15 USC 1681 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy & consistency. 
Equifax, and XXXX is governed by 15 USC 1681. And they have violated my rights numerous times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the right to privacy and accuracy I did not give Equifax and XXXX written permission to furnish these accounts. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

XXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXX XXXX  Account number XXXX XXXX Account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX Account XXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXX credit card Account number XXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX Account number XXXX XXXX accordance with the XXXX XXXX XXXX XXXX XXXX XXXX listed above has violated my rights 15 U.S.C 1681 under 602 A States I have a the right to Privacy 15 U.S.C 1681 Section 2 :. It Also states that the consumer reporting agency XXXX XXXX an account without my written instructions.