davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-12
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. (GA)

Checked my account and saw my score down -54 points with no explanation this is a deceptive technique as this is retaliation for informing cfpb and other federal agencies about the fraud that is being done on a nationwide level. 1681 ( b ) - CRAs must follow reasonable procedures. Must be fair and equitable to the consumer. 1681a ( 2 ) ( A ) ( iii ) - The consumer must be given a chance to direct the information whether they want the information about a transaction they had to be reported or not. This is referenced in the Gramm Leach Bliley Act. Notice, it is a fact, affiant is aware, a consumer must be given a chance to direct whether they want the information about a transaction to be reported or not. This is referenced in the Gramm-Leach Bliley Act. XXXX  was not given the chance to opt-out of having this reported information about XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX not being reported and is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( iii ) and must be removed. 1681a ( 2 ) ( B ) - if a transaction was authorized by your social security card, the real credit card first defined understand the Truth in Lending Act, this transactions must be excluded from your consumer report. Notice, it is a fact, affiant is aware the term identity theft as described in 15 U.S. Code 1681a ( q ) ( 3 ) and Regulation V 12 CFR 1022.3 is a fraud committed or attempted using the identifying information of another person without authority.
Consumer complaint received 2022-09-13
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: EQUIFAX, INC. (NY)

I have attached document where EQUIFAX has addressed me incorrectly by name which is one of the few incorrect details on my report that I have been trying to get deleted, blocked and updated by sending numerous evidence multiple times.
Consumer complaint received 2020-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (HI)

I have contacted CITI CARDS customer services and paid the balance due and closed this account to the best of my knowledge, yet received a statement reflecting a balance due along with additional late fees on a {$30.00} charge I understood was paid at the time I closed this account. They agree that I closed the account but my payment balance at the time of closing was past due and now I have received two late fees on the account of this.I feel that at the time I closed this and paid that {$30.00} charge everything was complete and all was in good standing and I was free and clear and this card account was closed! I feel an adjustment is in order and I owe them nothing in late fees what so ever! 
Sincerely, XXXX XXXX
Consumer complaint received 2022-09-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (AZ)

Nelnet/Department of Education noted that " I will need to reach out to those services to obtain your payment history. Per the attached information provided regarding loan history and payment history. No one has the payment, full history of, or even the interest rates for the time between XXXX to justify the loan amount. 
XXXX XXXX XXXX XXXX XXXX to XXXX - XXXX is no longer in business per your words American Student Assistance XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XXXX XXXX These companies have no information that I was able to obtain and one is no longer in business. This information should have been provided to the next loan handler when they received this loan back in XXXX, however, they were not. No one can provide me with the full history of this loan so how can The Department of Ed OR Nelnet justify its existence if you don't have all the viable financial information, especially the interest rate of an account that went from around {$7500.00} to over XXXX? Nelnet even took money out of my account when they reopened it back in XXXX and it wasnt noted anywhere.
Consumer complaint received 2017-02-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (WA)

I am a XXXX Veteran on a fixed income and I am seeking relief and any available damages from Navient for predatory debt collection practices on a private student loan. I became XXXX while in the process of obtaining a degree from XXXX University XX/XX/XXXX. At the Time I had Federal loans through XXXX and a private loan through XXXX. I went through a Bankruptcy XX/XX/XXXX which was finalized XX/XX/XXXX. XXXX closed the account on XX/XX/XXXX. No payments were ever made. After receiving my XXXX rating from the Veterans Administration I went through the process with XXXX to have my student loans forgiven and eventually received notification that the U.S. Department of Education had accepted my application ( attached ). Some time later this Company called Navient started harassing me and pegging my credit report for missed payments. I provided them documentation from XXXX and told them that I never had a loan through them. They stated that the letter did n't apply to them and that I had to pay. After quite a bit of back and forth and after them sending it to various collection agencies I had an attorney send a letter ( attached ). The original XXXX loan was originated on XX/XX/XXXX and account closed on XX/XX/XXXX. The Bankruptcy was finalized XX/XX/XXXX. Some time after this Navient somehow took over the loan and said I have to pay no matter what. My attorneys recommended that the best course of action is to go through CFPB as this company has a history of doing this and you are familiar with their practices. 1 This debt was listed on my bankruptcy. 2 if this debt is not covered by that bankruptcy the statute of limitations of 6 years for collections and 7 years for credit reporting has long since expired. 3 the process and proof produced to XXXX and recognized by the U.S. Department of Education should be recognized. This company continues to damage my credit and report monthly, this has cause me continued harm over the years ( credit summary attached ). This company took a {$1500.00} loan and turned it into a fictitious {$44000.00} debt that they never even serviced in the first place and use predatory collection practices to attempt to take advantage of unsuspecting consumers.
Consumer complaint received 2022-11-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect (FL)

I sent dispute letter to Americollect to dispute the collection on my credit report.. I request proof of debt.. I also sent FTC, XXXX REPORT AND POLICE REPORT STATING THAT IT FRAUDULEN INFORMATION THEY ARE REPORTING ON MY BEHALF. Americollect did not respond to the letter. I am sending XXXX REPORT AND POLICE REPORT
Consumer complaint received 2022-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (OR)

I have several concerns about dropping PMI on my current mortgage. 
My first concern is about the validity of the broker price opinion obtained to evaluate the current value over home. Due to increase in value of our home, we requested that the PMI be dropped based on the current loan of value ratio. A real estate agent was assigned to evaluate our house and to determine BPO. During that process the real estate agent called us and asked how much outstanding balance we still owed on the mortgage. These seemed unusual, as I did see how he needed that information to determine the current value of our house, and when I questioned him about his need for that information, he responded that he wanted to make sure the BPO was going to be enough to drop the PMI like we wanted. After giving him that information, he made another comment that our home value should be well above the value we needed to remove the PMI and Loan Depot would be in touch with the final BPO. Several weeks later we received word that our request to drop PMI was denied as the low to value ratio based on the BPO was not sufficient. These seemed suspicious given my previous conversation with the real estate agent about the BPO, and that the BPO given put our loan to value ratio at 80.2 % just shy of the value needed to drop PMI. Especially, when the value of our house per XXXX and XXXX are comparable and significantly higher than our BPO ( I understand XXXX and XXXX may not be as accurate as an appraisal or BPO ). Although our main concern is why the real estate agent needed to know our remaining loan balance to determine the BPO, there were other concerns about how the BPO was determined. On the day of the evaluation the real estate agent sent his wife and daughter to take pictures and he himself was unable to view the house. The report of the house left out pictures of one of the bedrooms and listed the house is a XXXXbedroom home when we have XXXX bedrooms. Additionally, were told by the real estate agents wife that her husband would call to discuss any additional work we had done to the home, but he did not call to gather this information and we had completed significant landscaping and added a large stone patio after purchasing the home ( totaling about {$30000.00} worth of improvements ). When we bought all this to the attention on our loan servicing company ( LoanDepot ), we were told that how the BPO was completed, and the real estate agents request to know our remaining loan balance was standard practice. 
My second concern is about obtaining additional information from Loan Depot ( my loan servicer ) regarding dropping PMI. I have been seeking additional information about my mortgage contract and under what circumstances PMI can be dropped. Loan Depot provided some vague information from the loan investor XXXX XXXX but has stopped responding to emails/ questions seeking clarification. How do I get clarification on the circumstances that would allow me to drop PMI, so I can decide the best way to proceed?
Consumer complaint received 2020-02-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NV)

XXXX XXXX ( XXXX XXXX  XXXX XXXX XXXX  ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$680.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2020 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2022-11-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (FL)

On XX/XX/2022, I contacted AFNI requesting them to validate a debt that they are saying I owe them. I requested for them to provide me a copy of the original contract between the original creditor and myself and also to provide me with a copy of the purchase agreement between them and who they say the original creditor is. 

As of date they have not provided me with this information they keep sending me letters only saying that I owe XXXX, that however does not prove to me that I owe this company whom I've never done any business with any money, but they are still reporting on my credit bureau even though they have not been able to proof that I owe them any money or that they have legal rights to collect any monies from me. 

Your assistance in this matter is greatly appreciated. Thank you!
Consumer complaint received 2020-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AL)

I have been disputing the public record information listed inaccurately on my credit report since XX/XX/2019. I first asked Equifax for a method of verification pertaining to the public records listed on my credit report and they responded by saying the USBK Court XXXX Mississippi XXXX XXXX XXXX, XXXX, MS XXXX verified the bankruptcy and if I had any questions pertaining to that inaccuracy to contact the court. So I did just that. I contacted the court and received a letter dated XX/XX/2019 and I've included that letter to this complaint stating that they did not report, confirm or validate any bankruptcy information to the credit bureaus. I then made a copy of that letter and sent it to Equifax and asked them to delete the public records from my credit reports because I had proof they DID NOT PROPERLY VERIFY AND THEY LIED ABOUT WHO VERIFIED THE REPORT. They didn't validate through any third party consumer, such as XXXX XXXX because that report is placed under a security freeze and NO ONE has  contacted me seeking my approval for any information placed on my consumer file to revealed. Equifax has failed its consumer YET AGAIN. Not only am I victim of their data breach they are continuously reporting UNVALIDATED, INACCURATE information on my credit report. Please DELETE the information from my credit reports immediately and send me an updated copy of my credit report.
Consumer complaint received 2022-08-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have attached a highlighted picture of an account that is reporting to my 3 credit bureaus incorrectly. Almost every single line is different on each bureau and this is a huge violation of the FCRA. I have highlighted all of the discrepancies
Consumer complaint received 2016-11-17
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: UMPQUA HOLDINGS CORPORATION (OR)

We used Umqua bank bill pay and this caused us to have XXXX late payment or perhaps XXXX on a credit card from XXXX. We had this all settled and now there is a late payment on our credit reports that we are not responsible for. We put our faith in the bank ( Umqua ) to pay this bill in a timely manner and it was not done!
Consumer complaint received 2022-09-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (UT)

We open a business bank account with Wells Fargo under the name XXXX XXXX XXXX XXXX with the account number : XXXX and Wells Fargo has frozen the account without any explanation. We have been trying to get an answer as to why the account was frozen from the branch and they keep telling my assistant XXXX XXXX that they can not disclose that. It's unfair for the bank to hold our money without a legitimate reason, of which there are none. To the best of our knowledge, the balance as of XX/XX/19 was {$34000.00}.
Consumer complaint received 2020-02-28
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 was Locked out of my credit reporting websites for months and had to create a account to finally get a hold of my credit reports and I find A numerous load of incorrect filings on my report. 

The first account : XXXX XXXX XXXX amount : {$4600.00} since XX/XX/XXXX reason, this is a fraudulent account. Never opened by me or by my permission. 
The second account : XXXX XXXX XXXX amount : {$880.00} since XX/XX/XXXX reason, this is a fraudulent account. Never opened by me or by my permission. This is a fraudulent loan not opened by me. 
The third account : XXXX XXXX : amount : {$1200.00} since XX/XX/XXXX this is a fraudulent account that was opened by my mother. I have No dealings with this account and should not be on my record. 
The fourth account : XXXX XXXX XXXX : amount : {$610.00} since XX/XX/XXXX again, this is a fraudulent account not opened by me, it was opened by my mother, without my consent. This is not my account. 
The fifth account : XXXX : amount {$68.00}, reason I have No idea what account this is, I never opened an account with them and dont know what this is. 
The sixth account : XXXX XXXX reason : again, this is a fraudulent account not opened by me, it was opened by my mother, without my consent. This is not my account. 
The seventh account : XXXX XXXX XXXX XXXX   XXXX XXXX XXXX. Amount : {$330.00} Reason :, this is a fraudulent account not used by me. I dont Even live in Georgia. This is not my debt. 
The eighth account : XXXX. reason : again, this is a fraudulent account not opened by me, it was opened by my mother, without my consent. This is not my account. 
I also have hard inquiries that are fraudulent and were not used by me nor opened by me. 
Fraudulent Hard inquiries : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. 

I have Also filed yet another report for identity theft on all accounts.
Consumer complaint received 2016-09-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (FL)

I am showing inquiry from Springleaf financial my credit report I have never done business with them ever spoken with them do n't know anything about them XXXX XXXX 2016
Consumer complaint received 2022-09-13
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. (CA)

The XXXX  accounts have never returned to me that the account belongs to me, I believe my privacy rights have been violated. This derogatory information has hindered me receiving housing. 

XXXXXXXX XXXX, Account Number : XXXX XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX, Account Number : XXXX XXXX. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2022-09-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diaz & Associates, Inc. (FL)

On XX/XX/2020 The company Diaz and associates opened a collection account on my credit report for XXXX and XXXX in the amount of XXXX. They reported the original creditor as XXXX XXXX XXXX the amount due is XXXX I have never had an original account with XXXX XXXX XXXX, I have never received any information regarding this debt from the original Creditor nor have I received any information from Diaz and Associates. The credit reporting is completely fraud, and is effecting my ability to find housing. On XX/XX/XXXX, I began the dispute process with XXXX and XXXX. Please investigate this companies practices.
Consumer complaint received 2020-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NC)

I've been in my home for 15 years and never had financial issues or problems paying my mortgage. Several years ago my mortage was sold from XXXX XXXX to Nationstar to Mr. Cooper. I have never missed or been late on a monthly payment. My payment has always been set up as an automatic bank payment set to arrive before the first of the month. Once a few years ago when I was still with XXXX my payment amount changed to due an escrow change and I did not notice the need to change the payment so I was charged late fees for short payments. Once I noticed I called customer service and they were helpful and credited some of the late fees and I payed a portion settling the past due amount and adjusting to the new payment. All was well. Months later with the new mortage company the 'computer system ' re-applied the previously credited late fees. When I called to question the fees ( as my payments had been in full and on-time since the last issue I was told by the CSR that there was nothing they could do to readjust the latefees which were now compounding. I escalated and got no where. I'm in the professional services industry and the service I received at this time was the worst that I have experienced in the past 30 years. This was multiple years ago. Since then I continue to make my prompt and full payment and the amounts are applied to Principal and Escrow however the fees just keep piling up and now are several XXXX dollars which I can not absorb. I don't receive any threads of foreclosure but my statements show me being months behind in payments even though I have NEVER missed a payment in the history of the loans. The lender seems happy to continue to take my payments an pile on ridiculous fees. Do I have any recourse or am I at the mercy of this lender and their software system applying fees on top of fees even thought I keep meeting my monthly payment amount?