davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

I have seen an open account on my credit report for the past 5 years that should have been closed. I recently called Chase Auto Loan department to discuss my case and they told me it is closed I do not owe anything there is no balance. But they keep reporting that I am delinquent and I owe {$3.00} but my monthly payment is {$0.00}? I disputed through multiple credit repair companies and I most recently disputed with XXXX and they completed the dispute and it is still on my report it is so frustrating because for over 5 years it have shown that I am not paying this account on time and it has been paid off.
Consumer complaint received 2022-05-19
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. (PA)

Dear Credit Reporting Agency, Pursuant to 1692g, I am requesting the Method of Verification for the following disputed account ( s ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute. This is rather a request for a Method of Verification where the following items should be provided to ensure the validity of the account ( s ).

Please provide the following items : identify item ( s ) by the name of source, such as creditor or tax court, and identify type of item, such as credit account, judgment, etc.

1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute 5. Signed contract or Documents with my signature If you are unable to respond in a timely manner and provide the above items, please delete the account ( s ) from my credit report to prevent further damage. 

Best Regards, XXXX XXXX XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Consumer complaint received 2022-08-03
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: Experian Information Solutions Inc. (IL)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX 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
Consumer complaint received 2022-05-19
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. (NJ)

In accordance with the fair credit reporting Act. 
XXXX XXXX XXXXXXXX XXXX, account # XXXX opened XX/XX/XXXX XXXX. 

XXXX XXXX XXXX, Account # XXXX, date opened XXXX XXXX h

as violated my rights. 15 U.S.C 1681 Section 602 A. States i have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-02-03
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. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2021-12-21
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP (OR)

On XX/XX/XXXX Reliacard restricted my account. They told me for suspicious activity. I had a transfer in place to my fiancs account, and I didnt think to wait til it cleared to update my address on the app..apparently they flagged my account demanding I prove identity. I uploaded my documents assuming all would be good and the next thing I know on XX/XX/2021 they tell me they closed my account. Since then we have lost everything. They refuse to give us more information than the funds are being sent back to your state agency. Oregon Unemployment has no idea or information whatsoever on this transfer back to them from Reliacard. Its over {$5000.00}. There is also a transfer that was in progress when they closed my account for no reason, and it has not shown back up. There were three all together that should have been returned from limbo after the account closed. I only saw that two made it back.so since XX/XX/XXXX I have called unemployment in Oregon and Reliacard, as well as uploaded further documents to Reliacard to verify and prove my identity. They have given no date for the return of my money, and they continue to be vague and totally misleading when I ask or call. 
Since this I have lost my XXXX diesel truck to a lien not being able to pay for the repair fees, Ive lost my home being as I can not tow my home since my truck was basically stolen from me, I lost clients I had just landed, I basically have lost everything. This is not a joke this is really happening to me. Please can someone help me..
Consumer complaint received 2022-02-03
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. (FL)

Ive submitted disputes to Equifax regarding XXXX account also Ive sent out letters of debt validation to the creditor I have not received any responses also its reporting that I have 11 late/missed payments on this account this derogatory remarks are causing me hardship in being approved for any kind of funding.
Consumer complaint received 2019-07-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (SC)

Received a debt collection notice on XX/XX/XXXX from a company called ERC portending to represent XXXX XXXX on behalf of XXXX XXXX. They are asking me to pay {$54.00} USD to settle a past due debt of which I have no knowledge. Reviewing my XXXX account shows I am up to date and do not owe any past due funds. Searching on XXXX shows this same scam occurred back in XX/XX/XXXX and when consumers disputed the bogus debt statements, they found that XXXX XXXX owed them money. There was also a class action lawsuit and XXXX XXXX was forced to admit a software error produced the inaccurate debt notices.
Consumer complaint received 2022-02-03
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)

XXXX as well as the number of Auto Inquires. 
The address was incorrect on paperwork. The contract was written on and never emailed the actually contract that was asked for.

I have all documents and police reports .....

This is effecting my 3 Major credit finance companies
Consumer complaint received 2021-11-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: SECURITY FINANCE CORP (TX)

In 2019 I was approved for a used car loan from PFS Auto I put {$6500.00} on a vehicle that with 24 % interest over 2 years cost me {$20000.00} when pandemic happened my wife lost her job we ended up having to move and with loss of income plus cost of relocation and fixed income we fell behind after the clutch went out and I replaced it myself I had made almost a full year of payment towards the loan at the date of XXXX. I was given no warning that the car was going to be repossessed they just showed up one day after running my credit report without authorization to see my new address I was told by the XXXX man that I was able to call and make up the late amount plus fees before the vehicle was sold that I could get the car back I informed him that I was getting my paycheck in 2 weeks and would be there on the XXXX and he said he would hold the vehicle there until then. 
After the tow truck leaves my house I immediately call PFS and was told that they were not going to let me make up the late payment amount and unless I could pay off the loan in full plus late fees and repo fees that the car would be sold at auction. This was absolutely heart breaking to me as this was my dream car that I put numerous upgrades towards and saved years for, {$10000.00} in payments and and nothing to show for it. Now I have a new account open on my credit report for {$610.00} the car was sold at auction but I have no idea what for as I never received anything after the repo happened just the account on my credit... 
I feel like the company knew the car would bring more at auction than I actually owed to them so instead of doing what was right and letting me catch up on the loan they kept my payments made then sold it for {$10000.00} or more at auction and made the extra profit. 
This is morally outrageous and if not illegal it should be. I am asking for PFS AUTO to do what they know is the right thing to do and return my vehicle to me since this is probably not possible then I ask that all my payments made on the vehicle plus the {$3000.00} in aftermarket parts I installed on the vehicle. Finally I want the collection account to be removed from my credit report as of now I am unable to even get approved for another loan with the repossession showing. 
If this is not resolved I will be filling a suit in small claims court and will seek mentioned amount plus attorney and court costs and anything else my attorney believes is owed to me.
Consumer complaint received 2022-05-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: ALLY FINANCIAL INC. (MO)

I had a HELOC managed by Ally Bank on my former home. I sold that house on XX/XX/2021. My title company got payoff information from Ally and the account was paid in full on the day of closing. Of course, I cancelled my homeowner 's insurance on that date as well, since I no longer owned the property. Ally Bank immediately force-placed insurance on the property. I have spent about nine hours on the phone with their customer service department and corresponded by mail explaining that I no longer own the house. They concede that the mortgage account is paid in full but they are insisting that the HELOC is still open. They claim that I owe them the premiums for two years worth of homeowners ' insurance on a paid-off house that I no longer own. I have contacted the XXXX XXXX XXXX XXXX ( the insurer from whom Ally Bank says they have obtained a policy ) and they have not received any premium payments from Ally Bank. Ally Bank is sending dunning letters threatening to foreclose on the property ( good luck with that! )
Consumer complaint received 2022-02-03
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. (FL)

In the midst of the pandemic in XXXX, my husband ( who has submitted a duplicate CFPB complaint ) and I returned our XXXX lease vehicle exactly as agreed in early XX/XX/XXXX, one day before we temporarily moved overseas. All our monthly lease payments were completed without a missed payment. We advised XXXX XXXX by phone that we wished to receive the final bill by email which we understood contained an administrative vehicle return fee over and above all lease payments which we had fully paid on time with no delinquency. We explained that we would be overseas and there would be delays in receiving any paper mail while we were overseas. We did not receive the requested email with the final bill. Shortly after we returned to the USA in late XXXX, we found in mail delivered by a neighbor a final bill and a debt collection notice with the unpaid amount. We paid the bill by check in early XXXX ( documents attached - imaged check, bank statement, mailed envelope ). The check was cashed as noted in our bank statement but we did not receive a notice from XXXX XXXX. We subsequently received our backlog mail at our local post office ( collection was delayed because of pandemic-related safety issues ) and also received a home delivery of previous mail many weeks after it was sent ( which many other folks we know also experienced with USPS in late XXXX/early XXXX for reasons unclear to us ). We found in our accumulated and delayed mail backlog a debt collection notice with additional late fees claimed beyond the final amount due which we had paid by check as mentioned previously. To our shock, what was being billed was about twice the original amount we had already paid and with no previous warning of any kind. In any case, we assumed this collection letter we received belatedly would be superseded by a payment acknowledgment of the original amount due after the check for the same was sent and cashed by XXXX XXXX in XX/XX/XXXX per attached documents. 

We have also just this weekend end XX/XX/XXXX discovered an adverse reference to this matter in our credit report. We believe that our good faith in seeking to fully pay our debt is not properly reflected as our credit report currently stands. We have asked XXXX XXXX XXXX XXXX to urgently resolve this matter by acknowledging our final payment and also removing the adverse credit report entry. We add that we have not any non-payment of any of our debts in the past except for very few minor delays in very few payments and which were due to overseas travel. In fact, all our bank and revolving credits have an exceptional standing. All payments on all our accounts are up to date. The above was a truly exceptional situation which occurred under pandemic circumstances.
Consumer complaint received 2022-02-03
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. (TN)

I recently reviewed my credit report and found that one account balance is being reported incorrectly. The account balance being reported incorrectly is XXXX account ending in XXXX. The correct balance is {$200.00}. I contacted XXXX XXXX XXXX and was given the attached letter and told to contact the credit bureaus to have them update the account to reflect the correct information. I have attached the letter from XXXX to this complaint.
Consumer complaint received 2022-05-19
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. (FL)

There has been a stream of accounts opened under my name and social security number. I did not recognize nor authorize any of these accounts that I have reported. 


XXXX XXXX XXXX  ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) the following inquiries are fraudulent ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (AL)

Navient representative named XXXX called my work phone number today, XX/XX/2022 around XXXX. I have never provided Navient with my work number because I do not want them to contact me at work.
Consumer complaint received 2022-02-03
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. (GA)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity theft. I filed my Identity Theft Report with the Federal Trade Commission on XX/XX/2022, report # XXXX I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. Please send me a letter explaining your findings and actions.
Consumer complaint received 2022-08-03
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

I am an authorized user and have requested that XXXX remove CapitalOne acct ending in XXXX. They refuse to do so even though my report shows that I am an authorized and not financially responsible.
Consumer complaint received 2017-02-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: ECMC GROUP, INC. (CA)

Sent CEASE AND DESIST letters and reiterated on a taped telephone call demanding ECMC cease and desist. I Filed Chapter XXXX Bankruptcy which has been discharged. ECMC 's representatives harass me on a daily basis. Calling from various numbers multiple times throughout the day, outside collection hours, and they have contacted XXXX parties regarding this issue.
Consumer complaint received 2022-08-03
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. (TN)

I am an authorized user and have requested that Equifax remove XXXX acct ending in XXXX. They refuse to do so even though my report shows that I am an authorized and not financially responsible.
Consumer complaint received 2022-08-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (AL)

I have had this problem several times with Specialized Loan Services LLC. It seems that they are intentionally posting my payments late. I mail my payments after the XXXX of each month when my Social Security income is deposited in my bank account. My utilities and all other payments clear the bank on time, but Specialized Loan is seeming to be holding the payments until the next month is due. This time, they held my XXXX payment until the XXXX was due, so they put the XXXX payment on XXXX, thus saying my XXXX payment had not been paid. I called the company, spoke with someone, and this is what they tell me. They now say that I am two months due ; XXXX, and XXXX, when only XXXX should be due. From the statements, I am to mail payments to XXXX XXXX XXXX XXXX XXXX of XXXX, CA XXXX. However, I get a statement from XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CO XXXX. It seems that Specialized Loan is intentionally doing this. This is placing stress on me mentally, physically, and financially. About 6 months ago, I had to pay {$380.00} something dollars to them because of what they say I owe when they are wrong. I can not afford to send them money that is not due. I am a XXXX year old single female who lives alone only on Social Security. Plus I have a XXXX XXXX for which there is not a cure. PLEASE HELP ME. I make copies of all checks, statements, and payments. I have talked with them, mailed letters, to no avail. PLEASE HELP ME. I am not sending a two month payment because it is not due. Only XXXX is due on XXXX the XXXX, and late by the XXXX, but they wait 30 days to say they haven't received payment when I know that I mailed the payment. 
I have checked my bank, and the checks would not have cleared, because Specialized Loan is holding payments. I also XXXX  remarks of some of their clients, and they are having the same problem. Please Help me. -- -- XXXX XXXX XXXX
Consumer complaint received 2021-12-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (TX)

On XX/XX/2020, the company TransWorld Systems opened a collection in the amount of {$540.00}. The account number is ( Account # XXXX ) I have never signed any written or electronic documents saying that I owe this debt to the collector. They are violating my rights of the FCRA as a consumer. 

I do not know who they are and have not written consent from my end. 

Also, they have not verified that I owe this alleged debt to this alleged company. 
Please have this removed from all three credit bureaus ( XXXX, XXXX, and XXXX ) XXXX XXXX