davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX XXXX  XXXX The requested investigation did not provide the documentation or update my credit report therefore they ... XXXX XXXX XXXX XXXX  have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715,719. I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Consumer complaint received 2022-03-26
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. (WI)

XXXX XXXX XXXX XXXX XXXX XXXX, Wi XXXX Equifax : XXXX XXXX XXXX, XXXX, GA XXXX RE : REQUEST TO UPDATE CREDIT REPORT, PLEASE RUSH LOAN PENDING To Whom It May Concern : In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ). I am practicing my right to UPDATE information that does not reflect the current status of certain accounts. More specifically pertaining to comments on accounts. I am requesting that you remove ALL comments & disputed comments on each of the accounts below with immediate effect. The accounts have either never been disputed to begin with or are no longer in dispute. 

I am asking the dispute comment to be removed from the following items : XXXX XXXX XXXXXXXX Once again this is not a request to investigate, but to update so I expect you to update my file as soon as possible and not the regular 30 day period you are allowed for disputes. 

Truly, XXXX XXXX
Consumer complaint received 2022-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (NY)

Pursuant to 15 USC 1692 ( a ) ( 3 ), I am the consumer. On XX/XX/XXXX, I sent two provisional payments to Chase via Remittance Coupon for two accounts, XXXX and XXXX. These payments were also sent with a money order, in the amount of the Stamp Duty that was owed. On XX/XX/XXXX, I received a letter from Chase stating that the payment can not be applied to my account because it contains a conditional notation. Chase sent me back the two money orders that were labeled Stamp Duty, however they did not send back the remittance coupons. They kept both of the coupons without adjusting my amount. 

I spoke with a representative from Chase and made him aware of what was happening. I was told to send the next remittance coupon to their Payment Headquarters : Chase Card Services, XXXX XXXX XXXX, XXXX XXXX, IL XXXX. 

I, again, sent out two remittance coupons on XX/XX/XXXX to the address above, and I did not receive any correspondence regarding the provisional payments, and Chase is still expecting payments on XX/XX/2022 for the card ending in XXXX and XX/XX/2022 for the card ending in XXXX.
Consumer complaint received 2022-10-02
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: LANIER COLLECTIONS AGENCY AND SERVICES INC (GA)

In accordance with the XXXX XXXX XXXX  XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a 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 2016-12-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: First Associates Loan Servicing LLC (VA)

I took out a private student loan with Peaks Loan to supplement my federal student loans to pay for classes at XXXX XXXX XXXX. XXXX charged exorbitant amounts for a sub-standard education and misled me with inflated job placement and salary information. The degree received from XXXX in 2013 is now rendered completely worthless because XXXX lost its accreditation and closed.
Consumer complaint received 2022-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Paxful Holdings, Inc. ()

Good day Sir/Ma Please save me from paxful.com unfair decision I got a message from paxful.com on the XXXX of XX/XX/2020 that my trading account has been frozen and it will take 365 days for them to complete their investigation. All my effort to know what my offense was proved abortive. i have XXXXbtc in my account with username name " XXXX ''. my account still remained frozen till date without any update from them. it is already more than 25months contrary to their 12months stated earlier.

My account is fully verified with my international passport and i also used my bank account statement to verify address. all efforts to reach them via email and social media handle proved abortive. 

i have asked them several times to tell me exactly while they put my account under investigation but no answer to my question till date. i have my business registered in XXXX. and i have all the necessary documents which i have forwarded to them via email. infact i have trading website XXXX 

i don't trade on paxful i only have account with them because some of my customers do request for paxful wallet due to their free internal transactions then. i.e paxful to paxful transaction was free. so when customers request for it i just gave it to the customer and once i received it, i will pay them local currency ( XXXX ). 

Please kindly Assist me
Consumer complaint received 2020-06-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: National Credit Adjusters, LLC (TX)

I was first made aware of this company from five of my family members. This company contacted my dad, mom, my two brothers and my sister ... but never contacted me initially. I received one random voicemail from some woman stating that they were going to file against me in my county and that they were going to contact my employer. I attempted to contact them going on a week now to obtain written verification of this debt and I only get a voicemail. I have called a total of 28 times over a 7 day time frame during office hours.I received a credit alert notifying me that they are on my report. I havent obtained any information from them and they are on my credit report. According to several complaints on various websites, Im not the only person who has had this issue.
Consumer complaint received 2019-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (NY)

Lexis Nexis sent me n XX/XX/XXXX a 25 page report with all my previous home address ' going back 20 years, one page briefly mentions : " No judgments or liens '' Lexis Nexis has however sent to my employer a list of : " 61 unverified, historic liens and  judgments ' This list was full of inaccuracies, duplicate items and caused my employer to fire me. 
( I had not disclosed the erroneous liens on my XXXX XXXX. ) Then in XX/XX/XXXX I applied to a new employer, XXXX XXXX XXXX, they too received a similar list of 61 " unverified and historic liens and judgments form Lexis Nexis.

I have disputed this with Lexis Nexis in writing numerous times, at least 7 written letters, I have previously filed a complaint with CFBP. Your reply to me was that Lexis Nexis referred me to an 800 number which was no help. 
I request a copy of this list be sent to me. 
And I request the right to dispute these items.
Consumer complaint received 2022-03-26
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. (NC)

Inaccurate information is reporting on my credit report and need to be removed. It's been 60 days and I still have not receive response. Have not sent documentation of proof of these accounts with signatures. As per section 611 ( a ) failure to investigate these items within 30days give reason to immediately remove those items my credit report. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title V, Sectiom 611, Subsection A-D please provide the names and business addresses of each individual with whom you verified with so that I may follow up. Please see my letters of complaint with the companies that is attached.
Consumer complaint received 2016-05-14
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TX)

I recently changed banks and changed my banking information on XXXX website. I got an email saying they have received my payment on XXXX/XXXX/2016. I checked their website and it showed my payment was current and my next due date was XXXX/XXXX/2016. I noticed the money was not taken out of my bank account so I thought maybe it was just a delay. 10 days later XXXX/XXXX/16 I got a letter saying there was a problem with my payment information. I checked the website and it now said payment was overdue. I submitted payment again and called ocwen customer " service ''. I was told that my payment was submitted and there was no problem with it. When I told the customer rep that they did not take the money out of my account and asked why, I was told that the payment did not go through the first time due to a problem with my bank but he could not tell me what it was. I told the customer rep that they need to update their website as it had incorrect information on it which caused me to assume everything was OK. He said I was being charged {$59.00} for the payment being returned even though I was told the payment was current and the website reflected that. I told him to cancel my current payment until I figure out what was going on so I did not get charged this ridiculous fee again and he told me it was too late to cancel the payment and I will be charged the fee again. So I am being charged $ XXXX+ in fees for XXXX mistakes and do not believe this is fair. On top of that I sent in a request to have my escrow account removed and was denied due to false information from their escrow department. My loan to value ratio is XXXX % but they had it at XXXX % even though I offered to provide proof of my appraisal value.
Consumer complaint received 2022-03-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: ECMC GROUP, INC. (CA)

I never attended the school. The loan was processed and disbusted to a school that I never attended. 

XXXX XXXX Subsidized XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-17
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. (SC)

The inquiries listed in my report were inaccurate.I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-03-17
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)

There is an aged XXXX  account listed that should be removed, due to the statue of limitation. I am asking that it be removed due to it being 7 years old.
Consumer complaint received 2022-03-25
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: LEXISNEXIS (UT)

I AM A VICTIM OF ID THEFT AND XXXX FCRA FTC LAW ENFORCEMENT REPORT ATTACHED. 
XXXX XXXX XXXX. 
IS REPORTING FRAUDULENT BANK ACCOUNTS IN MY NAME.
Consumer complaint received 2016-12-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Conn's, Inc. (TX)

I, XXXX contact Conn 's XXXX account. Conn 's charge off two accounts {$40000.00} # XXXX & # XXXX XXXX charged off XX/XX/2015. They contact me to pay off a balance that I did n't owe the amount there requesting to pay. I read the law if a company charge off a debt they ca n't come back and collection a full balance. We need help knowing what we can do.
Consumer complaint received 2017-03-20
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: TOLL BROTHERS INC (IL)

I am a residential mortgage broker in Illinois and have been licensed since XXXX.There has been an ongoing issue within my industry that has affected consumer unfairly and thus unfair to the market as it pertains to me. New construction builders have always offered significant financial incentive in the form of significant upgrades in order for buyers using their source of financing, mortgage bankers and other companies at much higher interest rates than what the free market can offer. In particular, and this not being an isolated incident, I have been working with a long time borrower since last fall in providing preapproval and financing information with the borrower/buyer where she absolutely was committed to me because of the service I 've provided her in the past as well as having the most competitive pricing on the market. We issued a preapproval but the builder wanted their own financing company to preapprove the buyer to ensure her qualifications without obligation to using their financing. This is n't all that unusual. I recently reached out to the borrower to see when ground breaking was to take place and was informed that she has decided to use the builder 's financing source in exchange for a free {$30000.00} basement that otherwise would not be available for " free ''. She had no choice. The borrower should have the option using whoever they 'd like and has the best overall price/value. This is NOT an unusual circumstance but the norm. I understand the CFPB has been looking into this practice which prompted me to file this complaint. I have emails to document all described above if asked.
Consumer complaint received 2022-08-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc. (TX)

On XX/XX/2022, I received a letter from Lockhart , Morris & Montgomery informing me of an electric debt with XXXX XXXX XXXX XXXX. Within the letter, it stated that I had until XX/XX/2022 to respond to the letter to either pay or dispute the debt. This debt does not belong to me, so I responded with a certified letter on XX/XX/2022. As of today, XX/XX/2022, I received a notification from XXXX that this debt has been added to my credit report as a derogatory debt collection. This is a violation and should be removed from my credit report ASAP. I was not allotted the full time to respond to this letter.
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Capio Partners, LLC (FL)

There is a collection on my account that at one time, a few years ago, was owned by XXXX. Now it has returned to my reports and showing as a collection with another collection company, Capio Partners , llc located in Texas. This was a medical debt that was not billed to XXXX XXXX XXXX XXXX appropriately. I have been dealing with this for years now. XXXX XXXX XXXX XXXX Washington state paid this bill, finally. The hospital refused to bill XXXX XXXX because they said it was " outside of the claim window ''. So I had to submit the invoices to XXXX XXXX myself for payment. Please assist in resolving this and removing both of the items from Capio Partners from my report as they were both for the same dates of service. This is affecting my ability to obtain loans for my small business. I am a XXXX XXXX XXXX and am completely dumbfounded this is permitted to happen to someone. I have no blemishes on my report and this seriously affected my score, from XXXX to under XXXX now. I beg you please help me resolve this. It has gone on too long. I have the records from XXXX XXXX XXXX and XXXX, a letter from them where they were removing it form my report.
Consumer complaint received 2020-03-17
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. (AR)

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been or are open. Please remove these accounts from my report as soon as possible. They do not belong to me. 

XXXX XXXX XXXX XXXX {$550.00} XXXX/DEPT OF ED XXXX {$3500.00} XXXX XXXX {$470.00} XXXX XXXX {$500.00} XXXX XXXX {$570.00} XXXX XXXX {$420.00} XXXX XXXX XXXX {$500.00} XXXX XXXX  XXXX {$570.00} XXXX  XXXX {$250.00} XXXX  XXXX {$520.00} XXXX XXXX   XXXX {$3700.00}
Consumer complaint received 2017-01-09
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX 2016. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. There was a {$6.00} or so interest that moved over from the previous month after I paid my card off and honestly did not know there was a balance. I contacted you guys and paid my card off right away.
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX DEPARTMENT ALL IGNORING WRITTEN COMPLAINTS AND REQUESTS FOR LEGITIMATE ASSISTANCE IN CORRECTING MANY GROSS ERRORS RESULTING IN $ XXXX LOSS IN MY ATTEMPTS TO OBTAIN CREDIT. I NEED CFPB TO PLEASE ASSIST IN GETTING IN TOUCH WITH A REAL PERSON WHO CAN ACTUALLY HELP RESOLVE MY CREDIT FILE.
Consumer complaint received 2022-07-05
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. (NY)

In accordance with the Fair Credit Reporting act 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

The information being reported is inaccurate and currently being paid. Please see attachment.
Consumer complaint received 2022-03-25
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. (TX)

My name is XXXX XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Consumer complaint received 2016-01-16
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (CA)

Purchased my home with XXXX who later reassigned to XXXX XXXX XXXX who then reassigned to various subsidiaries then reassigned to Caliber Home Loans. XXXX had me apply for a loan mods from XXXX to XXXX. Received a loan mod that reduced the interest rate but increase the monthly note. Caliber took over in XXXX XXXX, filed a notice of default and proceeded to foreclose. I 've tried to do a loan modification, Caliber Reps stated my package was incomplete and they are not corresponding with me timely to avoid and comply with the loan modification process. I am trying to save my home!
Consumer complaint received 2022-03-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

I have requested to remove the PMI from my mortgage by requesting an appraisal to see if my loan to value ratio is now more than 80 %. I was told I needed to make three consecutive payments after the mortgage forbearance program. I made those three payments. Now they're saying I need to wait another month and make another payment. They have moved the goalposts and have been lying to me so that they can delay removing the PMI to make more money and wait until housing market goes down before they re-appraise my home. They've also threatened me saying that the amount of my PMI payment will be increasing.
Consumer complaint received 2022-03-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Stenger & Stenger, P.C (MI)

I owed credit card debt which I stopped paying in XXXX when the pandemic hit, and the schools were closed so I couldn't work. I sent letters to all creditors advising them of my work status and requesting a forbearance until I could return to work. Most credit card companies responded that I could pay them 55 % of the total amount owed and they would close the account. XXXX did not respond. I sent another letter requesting their support. Instead, they sent the account to collection. 

At that time, I was suffering from eye problems and had to have XXXX  XXXX on both XXXX  in the summer of XXXX. The collections ' attorney filed a court claim. I filed an objection believing a court date would be set and I would be able to present my case. 

The collection agency filed another court claim and again I responded in writing. Then I played an online lottery game ( Michigan Lottery ) and luckily won {$1000.00}. 

I was advised by the Michigan Lottery that it was holding the funds due to my being garnished by the collection agency and I had a month to respond or my winnings would be sent to the collection agency. 

My problem is I had no knowledge of a garnishment, no official word of the same, no official documents sent to me.