davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (FL)

After reviewing my credit profile on XX/XX/2022 I identified a discrepancy with an account listed under XXXX XXXX XXXXnd validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a XXXX validation letter was sent out on this day. After reviewing the credit report again on XX/XX/2022 there have been no updates and the account is still reflecting on the report. I do not believe that the creditor has authorization to access the account and the account continues to negatively affect me. Please strike and remove this account from all XXXX credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Consumer complaint received 2022-09-15
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: T.S. Holdings (NC)

Im contacted XXXX XXXX XXXX XXXX. In regards to the report on my credit report, 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt, this company has contacted me several times via phone & mail another violation of my rights, this company has violated my rights, I do not owe this creditor listed any money,
Consumer complaint received 2016-12-12
Product: Mortgage — Reverse mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (MA)

I would like to clarify the federal government disclosure that reads At the bottom of page XXXX it states " XXXX fully understand that it is a federal crime punishable by fine or imprisonment, or both, to unknowingly make any false statements concerning any of the above FACTS as applicable under the provisions of title XXXX, United States XXXX, XXXX XXXX, et seq. '' Below the federal crime warning is a box for the XXXX 's signature. 

" XXXX fully understand that it is a federal crime punishable by fine or imprisonment, or both to KNOWINGLY MAKE ANY FALSE STATEMENTS CONCERNING ANY OF THE ABOVE FACTS as applicable under the provisions of title XXXX, United States XXXX, XXXX XXXX, et seq. '' Below the federal crime warning is a box for the XXXX 's signature. the box indicates that I signed the XXXX XXXX FHA Application number XXXX. The lender, underwriter and any other Wells Fargo XXXX went above and beyond to KNOWINGLY make FALSE STATEMENTS in each and every page of the Fannie Mae application. Once again, I will ask where 's my {$35000.00}? XXXX XXXX explanation contradicts what is clearly indicated on the Fannie Mae application. The appliaction states that there was {$.00} for the amount of mortgages and {$.00} for the total XXXX XXXX balances. I have never in my life come across such an egregious violation of Mortgage XXXX and XXXX XXXX in my entire 68 years on this earth.
Consumer complaint received 2021-11-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NY)

I received a text at XXXX PM on XX/XX/2021 from XXXX XXXX claiming to XXXX Citibank. The text states that due to my recent activity, they have closed my account and I should visit the web link included in the text to unlock my account, or visit my local Citibank XXXX. When I clicked on the link, i was redirected to a warning message from XXXX XXXX stating that the site that I attempted to visit is dangerous.
Consumer complaint received 2022-08-16
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. (SC)

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

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 
Please DELETE ACCOUNTS BELOW IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Reported balance {$27000.00} XXXX XXXX XXXX XXXX Reported balance {$4600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2016-12-26
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (GA)

Hi : I have a UPromise Master card which i used for a balance transfer on XX/XX/2016 for XXXX USD. Upromise made the balance transfer fine and i received money to my other account. But, they made another duplicate transaction to a not valid credit card and charged me XXXX $ for the balance transfer and XXXX $ for the transfer fee.
Consumer complaint received 2021-11-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (OH)

Our mortgage company, Mr. Cooper, contacted us ( numerous times ) to let us know that due to COVID hardship ( my self-employed business significantly declined ), we would qualify for a " deferral program '' for XXXX  months. We were supposed to begin making our mortgage payment on XX/XX/2021, however they would not let me because they said they we should never have been accepted into the deferral program because we were a few months behind on our mortgage payments when COVID started. We were told that it was their ( Mr. Cooper 's ) unfortunate mistake that we were allowed to be put into this deferral program, however they could not do anything about it. After a few weeks, we were finally put in touch with a loss mitigation officer ( XXXXXXXX XXXX XXXX at Mr. Cooper and she said she would put a request in to see if Mr. Cooper would allow us to be placed in the deferral program. After XXXX  days, she called back and said that they declined our request to be put in deferral. Interestingly, she mentioned that if we paid the {$6000.00} in back payments ( approximate ) she could put that request through again because we would be up to date on payments. We asked if that would guarantee that we would be accepted into the deferral program and she said " no ''. We contacted an attorney, who advised us to NOT pay them the {$6000.00}, unless we had a guarantee. We would never have agreed to go into deferral if we knew that Mr. Cooper was just going to try to foreclose on us.
Consumer complaint received 2016-12-12
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

I became aware that Portfolio had multiple entries on my credit report. I initiated a dispute via the CRA and received a form letter with a dollar amount and name of original creditor. I wrote back and referenced Michigan Fair Debt Collection Act Sec 918 which states that Collectors must furnish : Verification of the debt or any disputed portion of the debt shall include the number and amount of previously made payments and the name and address of the original creditor, if different from the current creditor, or a copy of the judgment against the debtor. 

As I was not notified that Porfolio assumed this alleged debt and only became aware of this claim through a review of my CR I requested the information that is to be furnished to me under Michigan Law ... specifically the number of payments and statements from the Original Creditor. In response to my request Portfolio has indicated that it feels that it has furnished the information ( form letter with amount owed ) and has stated that it will not investigate further and will not send any additional information. Portfolio further states that it will not consider any future requests and considers the matter closed. As Portfolio refuses to provide me with the information requested I am forced to file this complaint rather than trying to resolve it with them. Assistance is greatly appreciated.
Consumer complaint received 2021-11-19
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (PA)

cooper is using Unfair, Deceptive, or Abusive Acts or Practices by stating they addressed the cease and desist XX/XX/XXXX from my " initial '' request XX/XX/2021 ( which is a lie because they have had this cease information on record for at least two year or more now because of other inaccuracies or blatant lies from which i then told them to only communicate electronically with me so there could be a record but they claimed I never said anything until XXXX of this year and EVEN STILL THEY VIOLATE and nothing going to be done. still waiting on my hemap loan and im within the waiting criteria for that and also i have a complaint with the banking and securities against mr cooper and they have time to play games on the phone so yet again this proves AGAIN they don't do what they say and mistakes are a EVERYDAY occurrence with this entity and this is affecting consumers lives and i been a witness first hand.
Consumer complaint received 2022-08-16
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)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE.
Consumer complaint received 2022-10-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSWORLD SYSTEMS INC (IL)

Hello, On XX/XX/XXXX I received a letter from a Debt Collection Company stating that they were trying to collect a payment from a dental office. I never received a bill from the dental office. The dental office later sent me a letter that I owed a fee, but the letter was on XX/XX/XXXX and labeled as Delinquent.
Consumer complaint received 2021-11-20
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. (TX)

I did not consent to or authorize or benefit from any of the following inquiries, nor did I consent to these being shared by a XXXX party affiliate XXXX, please remove the following within XXXX business days upon receipt to avoid any further legal proceedings, thank you! Texas XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. 

My only employer is XXXX XXXX XXXX as well.
Consumer complaint received 2021-11-19
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 submitted 3 disputes with Equifax to have XXXX update the credit information on my file. I even provided proof of the account pay-off. Each time Equifax has come back and said that XXXX has verified the account is still open and that I still have an outstanding balance. I don't know what more to do to get the information correctly listed as paid in full on my account.
Consumer complaint received 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A. (IL)

Wrong XXXX XXXX by hundreds of points XXXX getting letters denying me of things I didnt apply for this is coming from consumer reporting agency & imfis incorrect I havent been late on any of my accounts & some accounts are popping up that are not mine XXXX not getting any positive reports
Consumer complaint received 2020-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Waypoint Resource Group, LLC (CA)

This is my 2nd complaint regarding this company. i have put in disputes with all of the credit buereus and with the company requesting validation, i received no responses from the company at all after my first validate request through the US mail. after 45 days of them receiving this letter certified i sent a non response letter, and told them in the letter they received that under the law they have 15 days, 15 days came and went and no response and this negative mark is still on my reports and the CRA 's refuse to remove this from my reports. last night on XXXX i go to their website and put in the account number and my last name to check to see if they still have the account is open and i receive a message that your account is no longer active.
Consumer complaint received 2022-08-16
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. (IL)

I am upset, sad, distress on what is happening to my credit report. Some of my accounts has a late payment remark. I did not incur any late payments. Ive made every payment paid on time. Can you guys double check those account and make a necessary action about it
Consumer complaint received 2022-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

The web portal to freeze/unfreeze my Equifax credit report ( on my.equifax.com ) does not work half the time. It is XX/XX/22 at XXXX pm eastern and it has not been loading for at least XXXX minutes. There is no error message- it just keeps loading. 

I am a software engineer and I know it is not my system 's fault. I have tried multiple browsers and machines. 

I have found it not working several other times this year ( and I only check it several times a year ) The automated phone line is also not working, so I have to wait until business hours to unfreeze my account. 

I believe that they intentionally do not support it in order to steer unwitting consumers into paying for their credit locking product, which would provide no purpose if their credit freezing tools worked. They use a lot of misleading wording on their website to steer people towards that scammy service.
Consumer complaint received 2021-11-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

I have currently been with Navient XXXX XXXX company but after XXXX years of making payments I found out that the XXXX loan division was showing that I owed them for the exactly same loans making it seem as if I never paid my XXXX loans when in fact I had been paying for more that XXXX years. I have all papers to prove this fact and when contacting Navient they were of no help! I was then released from my place of work after almost XXXX years of employment and continued to make payments even during unemployment until I was no longer able to make payments which were not being shared with the XXXX  loan agency. I have paid more than my loans back and would like a resolution to this life-long payment issue. 
XXXX XXXX
Consumer complaint received 2022-11-13
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: WELLS FARGO & COMPANY (GA)

I have disputed this account numerous times. The account does not belong to me. I have never applied had or applied for a account with XXXX  XXXX BANK or XXXX XXXX  XX/XX/XXXX and its reporting to my credit as a derogatory account. I have no knowledge of this account at all. Drivers license and social security cards should be required before someone is allowed to apply for a account because this is not my doing. There is also a hard inquire on my credit report for WELLS FARGO XXXX  and I did not apply for a account with them either. I contacted them and they told me they dont have a application on file for me to even be able to help me but its definitely on my credit report XX/XX/XXXX as if I inquired with them. I dont understand what is going on. This is very frustrating and not fair to me at all.
Consumer complaint received 2021-11-19
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. (VA)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2019-12-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Marlette Funding, LLC (MA)

I XXXX XXXX am trying to avoid filing a chapter XXXX bankruptcy petition. However, before I do that I want to obtain the actual ownership of my current creditors that went into default several years ago. I hereby file a qualified written request on each defaulted creditor, and if any of these debts were sold off to a third-party debt buyer, then I will review the proper documentation to make sure all proper legal requirements were initiated. Accordingly, I request full validation of the stream of ownership on each account under reinvestigation.
Consumer complaint received 2021-11-19
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. (NY)

Dear XXXX finance, I have been a loyal XXXX client for more many years and never missed a payment. I recently took a new leas for a company to which my name was used as the guarantor. Recently, I was informed that you reported my name as being 30 days on the payment that was due within XXXX, meaning you did not record a payment until after XXXX. I reviewed my records and this information is incorrect as I have a copy of the payment that was mailed to you on Wednesday XX/XX/2021. It is not my fault that XXXX failed to process this payment timely, and this reporting is an error on your end. Please correct this issue as soon as possible. 

At the same time, I wish to inform you that for many years I have had my account on auto pay and never ever missed any payment. When this new vehicle was leased, there was some issue with setting up auto pay in the beginning, this is why we used a physical check sent by mail. The auto pay setting has since been resolved. 
-- -- - Finally, please be advised that to the best of my recollection, I never ever authorized you to report to any credit agency this company account, neither verbally, nor in writing. I wonder how and why XXXX has been reporting this account without my consent. If you have a copy of any document that I consented to the reporting of this company car to my the credit reports, I request that you furnish me with a copy of such a document. 
-- -- In any event, as stated above, the 30 day late reporting is an error on your end, and I respectfully request that you please correct this incorrect record and remove this incorrect listing immediately. 
-- -- Thank you for your assistance.
Consumer complaint received 2015-11-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

Equifax has consistently refused a direct request by XXXX XXXX XXXX to remove negative reporting of their loan # XXXX XXXX XXXX XXXX XXXX California.This is in violation and has also been reported to The California Department of Justice.Equifax does not or has not looked at the word rescind which is used in XXXX XXXX XXXX language,