davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-15
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. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Collection : US DEPARTMENT OF EDU-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX DEPARTMENT OF EDU-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance XXXX XXXX-Date Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance $ XXXX Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance $ XXXX Opened : XX/XX/XXXX XXXX & XXXX XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX Late Close : XXXX XXXX XXXXlance $ XXXX-Date Opened : XX/XX/XXXX XXXX
Consumer complaint received 2021-11-15
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. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX XXXX
Consumer complaint received 2022-11-11
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. (TX)

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 
15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2022-11-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: OLIPHANT FINANCIAL, LLC (NJ)

I have made XXXX attempts with Oliphant Financial to obtain information about the alleged debt and I have not received a response. I used the collectors website contact us button and also the information email : XXXX. I have not gotten a response.
Consumer complaint received 2022-11-11
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. (TX)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXX XXXX
Consumer complaint received 2022-10-16
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. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-11-15
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. (FL)

I financed a car with XXXX XXXX XXXX. According to the document, loan amount was for {$22000.00}. I started making payments on XXXX and its now XX/XX/XXXX and yet have they updated my credit file with those payments. 
In addition, according to my credit file, it reflects that the balance owed is {$45.00} more than initially loaned. 
Ive inquired with the company on multiple occasions but never got a answer as to why. When I went to make my last payment, first week of XXXX, I asked the receptionist if I can speak with someone regarding the credit reporting in which she had a conversation by phone with someone else and eventually told me theres no one that can assist me. I asked for a supervisor or manager and was told no one was there. I asked for a number and given one only for that to be directed to the receptionist. Thats very unprofessional.
Consumer complaint received 2016-12-28
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (MD)

I called and cancelled my doctor appointment 24 hrs prior to my appointment. I called back and reschedule my XXXX test few weeks later. I showed up ang gone thru the procedure. I completely paid for the bills. Couple month later, I get new bill for no show for first appointment. I called the doctor office, told them I followed the procedure. XXXX XXXX credit collection refuse to remove the collection on my credit report. They reported a duplicate report and collections on my credit. I disputed both cases wit XXXX, the original dispute case number is ; XXXX and the duplicate case number # is XXXX. The collection are extremely rude and hostile. Both reports has the same amount and dates. How is that possible? Please help. Thanks. XXXX
Consumer complaint received 2022-11-10
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)

I have been disputing my credit with all XXXX credit bureaus from addresses that were not mine, fraudulent bankruptcies and student loan accounts that are not mines and they have failed to removed these items even after sending a police report that I filed in accordance with the disputes. I have been disputing these items since XXXX of 2022 and they still refuse to remove certain items. I need these items removed immediately or I will have to take this further because the bureaus are not taking identity theft serious and violating my consumer rights. Attached are the disputes that were filed.
Consumer complaint received 2019-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AL)

I received numerous unauthorized credit inquiries from various lenders. I contacted each credit bureau as I have a fraud alert on my credit report as to why each of these lenders was granted access to my credit along with providing me a copy of my credit report so I can see and contact those who violated this alert.
Consumer complaint received 2021-11-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC (OH)

My mortgage servicer changed in XX/XX/XXXX from XXXX to Gregory Funding. Ever since, my outstanding mortgage balance and credit reporting has been incorrect. Gregory funding has failed to acknowledge any payments I have made directly to them, my existing loan modification plan, or the forebearance I had previous to the transfer of my loan servicing to their company. In doing so, they violated the Federal Fair Debt Collection Practices Act & Federal Truth In Lending Act. I have called three times XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to request that my forbearance end so that I can apply for a loan modification. I was told in XX/XX/XXXX, it would be several weeks before they would reach out with details on how to apply. They promised to update my credit report with accurate info ( I was reported late rather than on a forebearance which has destroyed my credit score increasing my insurance premiums and making my car payments increase as well. This has caused such a hardship on my family. Further, I have been making regular, timely payments which are not being applied to my account or outstanding balance yet they have been CASHING THE CHECKS that I mail for my payments. Please help.
Consumer complaint received 2016-01-13
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Real Time Group, Inc. (CA)

Collection agency is listing a XXXX payday loan for over {$3000.00} on my credit report as of XXXX. This agency has never attempted to contact me in any way. 

The last payday loan I received was in XXXX for the California state maximum of {$300.00}
Consumer complaint received 2021-11-15
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)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$3100.00} Medical XXXX Balance Owed : {$780.00} XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/2017
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: Resurgent Capital Services L.P. (GA)

In accordance with the Fair Credit act LVNV FUNDING LLC # 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2016-10-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

Ocwen Loan Servicing and XXXX XXXX XXXX were the mortgage holders for my loan. I have a previous complaint against XXXX ( Case number : XXXX ) with CFPB about the elongated sale that caused additional payments and delay in the closing of the escrow of my home. Now, I am unable to obtain an optimal loan because these XXXX companies are reporting late in my loan payments.
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Selene Holdings LLC (CT)

Selene Finance fraudulently reported a new account number XXXX onto my XXXX credit report file. This fictitious account number was posted between XX/XX/2022 and XX/XX/2022 and I do not nor never had a contract with Selene Finance with this loan number. This fraudulent account is also being reported as being late 120 days when its new and never appeared before on my credit profile as it was recently opened. I never consented nor signed this new loan account and immediately asked for validation of this account through the administrative process. The monthly payment being demanded, and loan number looks like fraud as I don't recognize either of them.
Consumer complaint received 2021-11-15
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. (NC)

XXXX XXXX XXXX is reporting us as having two late payments for XXXX/XXXX  of this year and that is incorrect I have my bank statements to prove it. They no longer own my mortgage. I paid them in a cashiers check one of those months, they claimed they lost it. A couple of weeks later after I paid them again online they cashed the missing check. This company is unprofessional and are ruining peoples lives. The amount is displayed as XXXX.
Consumer complaint received 2016-05-12
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (VA)

My complaint involves Ocwen Loan Servicing , LLC . The lenders payment grace period is the XXXX of the month. Due to recent Strike with my company I made my payment in full with late fee on the XXXX of the month, and only 6 days after the grace period I received a Remittance Information from Ocwen threatening to foreclose on my property if I did not bring my account to current. This may all be perfectly legal documentation but how fair is it for a company to send a threatening foreclosure statement when most statements of this sort are not even sent out until a homeowner has MISSED TWO PAYMENTS! I tried contacting Ocwen and they sent a document claiming that they are within their rights to send the form when payments are late. My complaint is that I feel their practices are shady, and they have late notices which appear to be misleading and unjustified, especially for homeowners like myself who are up to date on their current mortgage payments. I have n't MISSED a month before but I am concerned that whenever the time comes when I am late by a month, ( say during my current unemployment, that this company will throw me into Foreclosure before the two month grace period.
Consumer complaint received 2019-12-10
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: Nelnet, Inc. (NC)

Back between XXXX and XX/XX/2015, I requested for a deferment on my student loans that had gone out of deferment. I was informed that all payments are deferred till the following year. Because I was told they were deferred, I never checked for any correspondence from Nelnet. In XX/XX/2015, I noticed on my credit report that Nelnet reported my account being late for more than 3 months. Because I was told by their agent that my loan was adjusted over the phone till the following year there was no obligation to make any payments and their reporting is inaccurate. I have disputed this several times and they have not done a proper investigation and accept responsibility because it was one of their agents that informed me that my payments were deferred. I have asked for the phone conversation on that day and they couldn't produce it. This has a negative impact on my credit and I want them to do proper investigation on what happened on that day in XX/XX/2015 when i requested for the deferment. I have a 100 % track record of never being late with any of my creditors. This is the only account that has ever been late and that's out of the norm. This is a clear mistake on their end and they are refusing to take responsibility of their own mistake. I have filed a dispute with XXXX  in the past and they have not done a proper investigation into this and still this has been on my account for almost 4 years now and I am XXXX percent sure they are wrong on this one and my track record shows it and you can see i paid all my lenders 100 % on time for the past 14 years.
Consumer complaint received 2022-11-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: JPMORGAN CHASE & CO. (NC)

I was having financial difficulties on my job and tried to communicate back forth with them and ask them to work with me but it became to a point where they wouldn't work with me no longer and was trying to make me pay double and I wasn't able because I was already having a hard time on the job that I had being lay off. 
Account name JPMCB AUTO Account number XXXX .... 
Recent balance {$10000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX Account charged off. {$9300.00} written off. {$10000.00} past due as of XX/XX/XXXX.
Consumer complaint received 2023-01-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services (NV)

XXXX XXXX XXXX XXXX is apparently trying to shake me down over damage to a rental vehicle that I did not cause. 

Here is the complaint that I sent to them after I received a letter from a debt collection agency. 

Please note that the car was successfully checked in by a XXXX XXXX XXXX XXXX person on XX/XX/XXXX at XXXX after I had already dropped it off. According to their own attached records, the incident occurred on XX/XX/XXXX and was not reported by the individual who checked in the car on XXXX 
-- -- -- -- -- -- -- -- -- -- Dear Sir or Madam, I have received a damage claim to the above rental car for damages that I did not cause. 

Here are the facts : There was no attendant on duty when I returned the car. 
My business partner was with me and can attest to the fact that the car was undamaged. 
The claim that I received shows that I returned the car to XXXX XXXX XXXX on XX/XX/XXXX. 
The " Incident Date '' listed on the report is XX/XX/XXXX. 
The car was not in my possession from XX/XX/XXXX until the incident date of XXXX. 
The email address listed on the claim is incorrect and does not match the email address that I have on file with XXXX. 
The pictures that I was sent shows the car in a completely different location than the one that it was left in. It was left at the airport check in facility but the pictures clearly show it at a repair facility. 

Why am I being charged damage that I did not incur and apparently your company can not confirm happened while the car was in my possession? 

If I did incur this damage, why was I not contacted by XXXX before it was sent to a credit reporting agency? 

Should I need to get my attorney involved, I have already consulted with XXXX. Please provide me with the following information as soon as possible so I can share it with her. 

XXXX 's policy regarding the checking in of cars upon the end of a rental. 
XXXX 's policy regarding the reporting of damage by company personnel upon return of a rental. 
The entire rental history of this car from XX/XX/XXXX to XXXX. 
The contact information for any owners of video surveillance systems of the airport lot where the car was left. 

Please feel free to contact me at XXXX or XXXX to discuss further. 

We look forward to your favorable resolution based on lack of facts, witnesses, and the lack of expeditious reporting of the supposed damage by XXXX XXXX on XX/XX/XXXX at XXXX. 

Thank you for your prompt attention to this matter. 

XXXX XXXX