davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-19
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

I have been trying to dispute some accounts that is on credit report that been impacting me very negatively. The accounts on the report was incorrect or inconsistent. I have ask them investigate those account multiple times they have yet responded to me on if the accounts was verified or accurate. They havent example where they verified or showed proof of any accuracy nor have they told how they are communicated with the creditors who are reporting these accounts. 

Below are the accounts : 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
Consumer complaint received 2022-08-18
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: Colony Brands, Inc. (KS)

I have been contacting this company each month since XXXX. I have contacted XXXX and XXXX as well. I have notified ALL parties of the inaccurate reporting and they have failed to remove the information from my credit reports or even attempt to fix the error. I have attached a copy of the reporting to this complaint. As you can see they are reporting the account in dispute but have failed to correct any errors, in turn compromising my credit profile. 

This company has failed to report my last reported credit limit on this account. The high balance can't be determined. the dates for last activity are inconsistent, XX/XX/XXXX and XX/XX/XXXX. The balance owed is significantly higher than the past due balance and this account has been closed over six years, so the past due amount and amount owed should be the same. Monroe and Main is also reporting to XXXX that this is an unsecured loan and reporting to XXXX that it is a charge account. 

This account is reporting inaccurately per state and federal laws and not reporting up to credit reporting standards per the Consumer Reporting Resources Guide. Monroe and Main have failed to report mandatory information such as my last credit limit.
Consumer complaint received 2021-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP (NY)

Someone fraudulently opened a XXXX XXXX card using my name with USBank. I tried countless times to report fraudulent activity to USBank using the number provided on their website ( XXXX ). I was redirected to another number XXXX and they tell me they can't help me close the account or report the fraud. I am just trying to make sure the account is closed/not activated and report the fraudulent activity.
Consumer complaint received 2021-07-19
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. (MO)

The following accounts should not be reporting on my credit file, at this point these accounts are fraudulent and therefore I'm demanding that they be removed. 

1. Acct XXXX XXXX {$110.00} 2. Acct XXXX XXXX {$70.00} 3. XXXX XXXX  Account 4. XXXX XXXXr Account
Consumer complaint received 2022-09-23
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. (IN)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2022-09-16
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. (MI)

The current standing of the Federal student loan at XXXX XXXX is listed as open with a balance of roughly {$12000.00} on my XXXX  credit report. The loan was transferred from XXXX XXXX to XXXX XXXX and was forgiven through the Federal student loan forgiveness program. The XXXX XXXX correctly indicates that the loan balance is {$0.00}. The XXXX XXXX account still shows the loans carrying a balance. 

I initiated disputes at XXXX with accompanying paperwork showing the loan balance at XXXX XXXX in XXXX and XXXX of XXXX. No action was taken to clarify the Dispute. I also contacted XXXX services on XX/XX/XXXX with the following : " From : XXXX Sent : Thu XX/XX/XXXX XXXX XXXX ( Eastern Daylight Time ) To : XXXX Subject : Other XXXX XXXX My loans were transferred and closed at XXXX XXXX XXXX to Federal Student Aid for forgiveness, but on my XXXX and XXXX credit report the XXXX XXXX  loans are not marked as closed. The last update was XXXX of XXXX. 

Please report these loans as closed to All credit reporting agencies As soon as possible, to avoid future legal action. 

Best Regards, XXXX '' the response was as follows : " On Tue, XX/XX/XXXX at XXXXXXXX XXXX XXXX wrote : Hello XXXX, Thank you for contacting XXXX XXXX. We apologize for any inconvenience this may cause. The U.S. Department of Education has changed the process of credit reporting when your account is transferred between federal student loan servicers. We will no longer close the current tradeline for your federal student loans, instead, the credit reporting file is now transferred to your new federal student loan servicer. Your account was transferred to the Public Service Loan Forgiveness processor on XX/XX/XXXX, and they would have received your credit reporting file within 90 days of your transfer. Please contact XXXX directly for further assistance. 

Thank you, XXXX XXXX XXXX We value your opinion and want to know how we can improve your email experience. Please take a minute and provide us with your feedback by clicking on this short survey. 
https : //Edfinancial.com/emailsurvey '' I responded on XX/XX/XXXX : " From : XXXX Date : Tue, XX/XX/XXXX at XXXX XXXX Subject : Re : XXXX To : XXXX Hello XXXX, The loans were transferred, but there is no indication on my credit report that they were transferred from you to the other vendor. So it looks like the loans are still open at XXXX XXXX. There has to be another step to document the transfer of the loans and subsequent XXXX balance owed to XXXX XXXX. Otherwise it looks like I still owe XXXX XXXX $ XXXX even though the loan is closed and forgiven at XXXX. This needs to be escalated to management for review. 

Thanks XXXX '' No response has been received from XXXX at this time, additionally the disputes at XXXX were not successful, thus the loans still show the {$12000.00} is owed to XXXX when there is a {$0.00} balance.
Consumer complaint received 2022-09-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc. (MI)

NCB Management is a very unethical company they have purchased debt from XXXX XXXX claiming that I owe them now XXXX without explanation I have requested information from them the information that was sent was incorrect. They created a ledger and titled it " XXXX transaction history '' as if the file sent was from XXXX when in fact it was not. The information on the ledger was incorrect and was not in correspondence with the original explanation of calculation of surplus of deficiency. Ncb claims I owe XXXX and XXXX said I owed XXXX ncb management has yet to clarify why they are requesting the number they are and where the credit of XXXX has came from. On the ledger they created they have claimed I did not pay my car note for the month of XXXX in which I did and sent the proof of statement for that month. It is against my consumer rights to try to collect on an incorrect amount. I have tried my absolute best to get this company to right there wrongs they will not. I have sent a letter breaking down WITH PROOF how they amount they was trying to collect on was incorrect they sent a letter stating that the information was not substantial for dispute! I truly believe the XXXX needs to seriously investigate this company as they are violating consumer rights and defaming me. This collection being on my credit is so detrimental to my life I have tried over and over to get them to remove because they can not verify the debt and they will not this is literally ruining my life. I am a struggling single mother and there are rules and regulations in life that I must abide by regardless of that and I believe companies should do that as well. I live my life with integrity and if I am wrong I will make things right. This company has no morality and does not abide by the laws written for them and I believe they should be truly looked into. You should not run a company disguising yourself as help for the consumer when you're XXXX  them to collect dollars when you bought the debt for pennies. Its disgusting.
Consumer complaint received 2017-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MARINER FINANCE, LLC (FL)

Mariners Finance is  reporting  XXXX  negative account to the credit bureau for  XXXX  loan and the balance being reported is not accurate. Account #  XXXX  Account #  XXXX  Account #  XXXX
Consumer complaint received 2020-08-01
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. (FL)

I am a victim of identity theft and fraud. I am not responsible for a XXXX XXXX XXXX  account nor a XXXX account and the account is fraudulent. XXXX XXXX XXXX, XXXX and XXXX, Equifax and XXXX are in violation of the FCRA and are trespassing upon my person. The account needs to be removed immediately. A police report has been filed. No man nor woman making claims of a debt owed has verified Under the penalty of perjury that I, XXXX XXXX XXXX ; man, owing a debt to any institution. I, XXXX XXXX XXXX am a man. If not removed in 48 hours I will take legal action. Its been over a year now.
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CT)

I, XXXX XXXX, of XXXX, in XXXX, Connecticut, MAKE OATH AND SAY THAT : XXXX. XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX  have willfully repeated to damage my consumer credit year in and out for over XXXX years. They have violated many of my consumer rights as well as federal laws and cfpb laws. 
XXXX. XXXX XXXX violated the following Federal laws 12 USC 1431- no bank can loan me anything they are borrowing from me 42 USC 408 -Asking/using my social on any extended credit, pre approval or loans is a federal crime being there is no lawful money.

UCC 3-104 - Willfully and illegally used my negotiable instrument in the extension of credit to be paid to me.

15 USC 1602g - I the consumer am really the creditor!
Consumer complaint received 2022-09-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MM RV JV 1, LLC (NC)

In XXXX and XX/XX/XXXX Interest mortgage ( Mortgage Loan ) processed a loan refinance for me and payed off the previous balance of my loan to my previous mortgage holder XXXX XXXX Mortgage. As commonly occurs the amount initially quoted and paid by me for the payoff was higher than the actual payoff ended up being as I paid an additional month of balance down during the time that the loan was processing. When this occurs, mortgage handlers are required to send the overpayment back to the client. I have received no overpayment back from Interest mortgage. Here are the details : Interest mortgage charged me {$400000.00} for the payoff Interest mortgage was only quoted {$400000.00} for the payoff per the payoff settlement In addition Interest mortgage was quoted interest for a further 2 weeks then I carried the loan with the payoff attached, thus when you paid you actually paid {$360.00} less than the CD settlement summary. 

Therefore interest.com owes me a settlement of {$2300.00} plus {$360.00} = {$2700.00} which I have to date NOT received. 

I contact interest mortgage on XX/XX/XXXX ( to XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX who had all previously been involved on my loan ) with all documentation of Closing document, settlement with my former mortgage company XXXX XXXX XXXX Mortgage ) and the amounts of discrepancy without response. I then contacted customer service at Interest on XX/XX/XXXX, again without response.
Consumer complaint received 2022-08-09
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: ALLY FINANCIAL INC. (GA)

The inquiries and companies listed are unauthorized and unrecognizable. There is now a lock on my credit as well. 
-ALLY FINANCIAL ; Inquiry Date XX/XX/XXXX -XXXX XXXX XXXX  ; Inquiry Date XX/XX/XXXX -XXXX XXXXXXXX ; XXXX Date XX/XX/XXXX XXXX ; Inquiry Date : XX/XX/XXXX -XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX
Consumer complaint received 2020-10-02
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. (TX)

INACCURATE INFORMATION ON CREDIT REPORT. FTC VIOLATION!!! 

XXXX  XXXX XXXX OPEN XXXX AMT. {$440.00} XXXX  XXXX XXXX OPEN XXXX XX/XX/XXXX AMT. {$590.00} XXXX XXXX XXXX OPEN XXXX XX/XX/XXXX AMT. {$430.00} THE NAMES : XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2018-12-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (NC)

company XXXX XXXX XXXX contacted me. My number is on the donotcall list. they must be collecting from someone named XXXX XXXX. The social security number and addresses they have do not match mine. They should not be allowed to look up my name online and call me on a phone number that is on the donotcall list just because I have the same name as the deadbeat they are chasing. Is it ok for them to do this?
Consumer complaint received 2022-09-16
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. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-09-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.
Consumer complaint received 2022-09-16
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-09-16
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. (MI)

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX CT XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00}, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$670.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXXXXXX XXXX XXXX : {$9400.00} XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX  XXXX Balance : {$930.00}, XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2020-09-23
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. (TX)

I was contacted by XXXX in XXXX about my home mortgage with them. They stated they could provide a forbearance for my mortgage. I told them I did not want a forbearance if it was going to affect my credit in any way. They assured me that it would not, and that the forbearance would help with the cash flows issue on my rental property. At the end of the 3 month forbearance term, XXXX  called again and asked if I would like to apply for a " Partial Claim '' or " Deferment '' which would place the amount owed to the end of the loan. Again, I stated this would be nice, but if it affected my credit in any way I would rather just pay the lump sum owed since I now had tenants renting out the front portion of my house. XXXX  again assured me nothing would happen to my credit. 

The next month I was hit with a 120-day late payment on my credit report which dropped my score by 149 points. I called XXXX to ask what happened and they admitted that this should not have happened on several recorded phone calls. I asked that it immediately by removed because I had said throughout the process I did not want to make any modifications to my loan if it would affect my credit score. I offered multiple times to bring the account current, but was told to use the forbearance and deferment plans as they would not affect my credit worthiness. 

I called XXXX over 25 times over the next 14 days attempting to get this resolved. I was given three different time slots where a " supervisor '' would call me back within 48 hours. Not once did a supervisor call me. An agent them told me " there are notes in the system to correct the credit reporting on XX/XX/XXXX, as we only report once a month to the bureaus. '' On XX/XX/XXXX, the derogatory account was NOT removed as promised and still sits on my credit report making me ineligible for any loans. The bank was told the house was being sold, so I did not need any further financing options as the loan would be paid in full soon. The house has since sold and yet my credit report shows me being late on payments for a house I no longer own! 

I flip houses for a living and require loans to be able to operate my business. I told XXXX  this repeatedly on several occasions during the 25 phone calls I placed. I still have not been called by a supervisor or manager, and the incorrect credit reporting remains on my report across all three bureaus. I am beyond angry at this point. Any and all reviews of XXXX are 1 star with nothing but problems. I do not understand how this mortgage company is allowed to be in operation in the US. I expect this issue to be resolved ASAP or I will have no choice but to escalate with legal action.