davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upgrade, Inc. (CO)

Description of Issue I am writing to request the removal of an inaccurately reported closed account from my credit reports. This account, a line of credit with Upgrade Inc, is being reported inconsistently and inaccurately across the three major credit bureaus, in violation of the Fair Credit Reporting Act ( FCRA ). 

Specific Issues with the Closed Account 1. Inconsistent Reporting of Account Status : - XXXX reports the account as closed with a 90-day delinquency. 
- XXXX reports the account as closed with no delinquency. 
- XXXX reports the account as charged off. 

2. Inaccurate Closing Date : - XXXX reports a closing date of XX/XX/year>. 
- XXXX and XXXX do not report a closing date. 

3. Inconsistent Balance Reporting : - XXXX and XXXX report a {$0.00} balance. 
- XXXX does not report a balance. 

4. Inconsistent Delinquency Reporting : - XXXX reports 30, 60, and 90 days late payments in XXXX, XXXX, and XX/XX/year>. 
- XXXX reports similar delinquencies but for different months. 
- XXXX reports no delinquencies. 

FCRA Violations These inconsistencies appear to violate several FCRA provisions : 1. Section 623 ( a ) ( 1 ) ( A ) : Furnishing information that the furnisher knows or has reasonable cause to believe is inaccurate.

2. Section 623 ( a ) ( 1 ) ( B ) : Failure to correct and update information.

3. Section 623 ( a ) ( 2 ) : Failure to notify consumer reporting agencies of account closure.

Impact of These Inaccuracies This inaccurately reported closed account is negatively impacting my credit score and financial standing. The inconsistencies across bureaus are particularly confusing and potentially damaging when I apply for credit.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after XXXX  days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-12-07
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (GA)

I am writing to express my concerns regarding Synchrony Bank/PayPal 's recent decision to decrease my credit limit from {$13000.00} to {$7800.00}. This change occurred after I paid off one of my credit cards with a different company. I was unaware of a {$16.00} interest charge from that company, as they did not contact me by phone or mail. Unfortunately, this led to my account becoming 30 days past due. 

I only discovered this situation when I received a credit alert indicating that I had a past-due account. As a result, my credit score dropped from XXXX to XXXX, which has been a significant setback for me. 

I have been a loyal customer of Synchrony Bank/PayPal and have never missed a payment in the history of my account. I have always made timely payments, and I do not believe my credit limit should have been decreased without considering my overall payment history. 

Therefore, I am requesting that Synchrony Bank/PayPal review my account and reinstate my credit limit to the previous amount of {$13000.00}. I have worked hard to establish my credit line, and I believe this situation is unjust. 

Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2024-11-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NJ)

I am a teacher and working towards XXXX XXXX XXXX XXXX ( XXXX ). I was in an XXXX XXXX XXXX ( XXXX ) plan for almost ten years. I consolidated my loans in XX/XX/XXXX to take advantage of the one-time account adjustment and when I consolidated I selected the lowest payment plan which was SAVE. Because of litigation I was automatically placed in a XXXX level repayment plan which I never selected and which isnt XXXX so it wont count towards XXXX. I was initially told I am not not eligible for administrative forbearance because I was never in XXXX XXXX, but that is because of the timing of my application and the only option is for me to keep calling back to extend the forbearance. I also cant enter an XXXX plan even if I want to because there is a processing pause through XX/XX/XXXX that will maybe even get extended. 

On XX/XX/XXXX a Mohela supervisor extended my forbearance for one year through XX/XX/XXXX so I did not have to call back each month. This helped me avoid making payments on a plan that would not count towards XXXX. I have a recording of this conversation. She also helped me submit a paper application for a new XXXX plan, but said she could not guarantee when this would be processed due to the pause, but in the meanwhile I would be in forbearance so I wouldn't have to worry. I uploaded the paper version of the XXXX application that day. 

Because of my IDR application, I received a letter from Mohela on XX/XX/XXXX stating that " We recently received your income-driven repayment ( XXXX ) application, but since a federal court issued an injunction preventing the Department of Education XXXX XXXX ) from operating the Saving on a Valuable Education ( XXXX ) Plan and other XXXX plans, XXXX application processing is taking longer than normal. 
Due to these delays your XXXX application is in a pending status and MOHELA is putting your account into a forbearance for up to 60 days. '' So on two separate dates, XX/XX/XXXX and XX/XX/XXXX, I was told my account was in forbearance. Today, on XX/XX/XXXX my account is saying PAST DUE and I am worried this will wrongfully affect my credit. Clearly the forbearance was not properly put on my account either time. I called and spoke to an agent who then insisted I had to be transferred. When I get transferred I am just put on hold for hours on end and a supervisor never calls me back, so my account is still wrongfully showing past due. This is not my first time calling about this issue. Mohela is operating a deflection scheme to avoid resolving the issue and updating my account status.
Consumer complaint received 2024-11-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (FL)

I have had several issues with MOHELA since signing up for autopay, but this issue has been the most disheartening and disappointing. I have found charges from previous months with three discrepancies and one payment that has not registered at all. My bank account reported they took XXXX on XX/XX/year>, but my MOHELA statement has a payment of XXXX reported. My bank account reported they took XXXX on XX/XX/year>, but my MOHELA statement only reported XXXX. My bank account reported they took XXXX on XX/XX/year>, but my MOHELA statement only reported XXXX. 

Lastly, I had two charges of XXXX that came out this month, in addition to additional charges ( those have registered on my account, thankfully ), but one payment, the one on XX/XX/XXXX, has not registered on my account at all.

In total, my student loan account is missing XXXX, in addition to whatever I paid on interest that didn't calculate the correct amount that I actually paid.

When I called about the issue, I was put on hold for 2 hours after speaking to someone who redirected me to customer service. I never was able to speak to them and hung up.
Consumer complaint received 2024-11-19
Product: Credit reporting 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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-10-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC. (AZ)

I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX on XX/XX/year>. After reading my contract and doing some research, i have learned that I was not required to put down a down payment due to me being able to purchase the vehicle on credit. 
( 15 U.S. Code 1605- Determination of finance charge ) .I put down a deposit of XXXX XXXX Dollars. However, looking at my contract, it states that I made an deposit of XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  which brings the total due for the car XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. The purchase amount in the window is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to 15 USC 1605, The finance charge does not include type payable in a comparable cash transaction meaning finance charges can not have cash or a down payment of cash involved.
Consumer complaint received 2022-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been writing to TransUnion over the course of several months after I discovered XXXX fraudulent inquiries showing on my report. In the letters I have written to TransUnion, I have included my name, address, date of birth, social security number, the lender 's name, the date of the inquiry, and the reason I disputed the inquiry. TransUnion has responded to me several times now with form letters that fail to address my dispute or they have failed to respond at all. 

One of the responses I have received from them says they want to " provide a further explanation of the inquiries on my report. '' The letter then continues to explain what an inquiry is to me. This is not an acceptable response to my dispute, because it provides general information that is publicly available through a XXXX search, without processing my actual dispute. 

The second type of response they have sent me is a letter that says they do not believe I sent them the dispute letter. The letter ( attached below ) states that they think an unauthorized third party sent the dispute on my behalf. 

The most recent time I wrote to them, on XX/XX/2022, I decided to try a different approach. I wrote to them about the fraudulent inquiries, including the same information I mentioned above. I also included copies of my driver 's license, social security card, and a recent utility bill. But above and beyond all of that. I personally went and got the letter notarized, so there would be no confusion as to whether or not I was the one submitting the dispute. That took a lot of time out of my day and cost me money to get the notarization and pay for shipping the letter. 

TransUnion responded back to my most recent letter with more nonsense. Their letter, dated XX/XX/2022, continues to say that they do not believe I was the one who sent them the dispute. How can they possibly say that they don't believe I wrote the letter when I sent them all the correct information, my identification documents, and the letter was notarized? Besides going to their office in person, I am not sure what else I could possibly do to prove my identity.
Consumer complaint received 2024-10-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: WEBSTER BANK, NATIONAL ASSOCIATION (RI)

I am working with a loan officer ( XXXX XXXX XXXXXXXX ) from Webster Bank. I signed my initial disclosures which indicated a floating rate of 6.3 % and I understand that the interest rate was not locked at that point. The loan officer stated this an email dated XX/XX/year> : " As noted in the Rate Lock Agreement disclosure, the interest rate is currently floating. We can lock the rate once the fully executed purchase and sale agreement has been received. The copy I have does not have the sellers signature which is necessary to lock in the rate. '' I uploaded the fully executed Purchase and Sales AgreemenXXXX on XX/XX/year> to the secure documents upload link that the loan officer provided. At that point in time the loan officer was on vacation but had connected me with her colleague who was standing in for her while she was away. I attempted to contact her substitute by email twice to ask if everything was fine with our application and all the supporting documents we uploaded. On XX/XX/XXXX, he replied by email and simply wrote, " Yes we'll be glad to keep you updated ''. At no point did he mention anything about locking in our rate, and now Webster Bank is asking if we'd like to lock in at 6.75 % ( rate as of XX/XX/year> ). We are arguing that we should be receiving the rate on the date on which the fully executed PSA was received.
Consumer complaint received 2023-06-29
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. (NY)

Please accept this letter as notice that you are in violation of negligence and false reporting by selling the contract without taking you to arbitration, failing to mark the account as disputed, verifying the account without providing account level documentation. According to the FCRA Section 1681e of the FCRA requires that CRAs follow reasonable procedures to ensure the accuracy of the information they collect, maintain, and provide to third parties.

Failing to follow procedures has put me in situations where I have lost credit opportunities, higher interest rates, denial of credit, and non-economic damages such as emotional distress. Ruining my reputation and character.
Consumer complaint received 2022-03-14
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WAKEFIELD & ASSOCIATES, INC. (KS)

I have had multiple issues with Wakefield and Associates. They furnished incorrect information to my credit report. Each time I have attempted to reach out to them to gain insight into the debt and also where they got their information from so that I can dispute what is incorrect I have been met with walls. They reported an account to my credit which I have no knowledge of. When they did so they also reported an incorrect address for me that is now indisputable from my credit. When I spoke to multiple agents at the company to try and inquire about the debt I was told that there was skip tracing run on the account they claim is mine ) but they wouldnt provide the name of that agency so that I could request a report and dispute incorrect information. This happened with multiple agents and I do have the calls recorded. For that account in question they also have completely impossible dates and amounts given to XXXX and XXXX which is why I say I have no knowledge of them. Over the course of XXXX I sent multiple letters requesting validation of the debt which they claim to not have received. This is due to them refusing to provide me any place to send mail other than their XXXX XXXX and as such I have no way of certifying how received the requests on my behalf. This is a common stall tactic among unethical unscrupulous debt collectors as is all of their previous refusals of my lawful requests. 
I spoke with them one last time to try and tell them if they didnt adhere to law I would send them a cease and desist as I have no possible way to work with them in an ethical manner, and on that call also recorded the gentleman told me thats ok well just let it sit and continue damaging your credit and report additional accounts well I still tried my best to get the information out of them I needed such as the address of their registered agent to have them served with my suit as well as the names of the agencies they used in conducting a consumer report about me and an address to receive certified mail given the nature of the circumstances. All requests were declined. Then on XXXX they reported a new account to XXXX, XXXX, and XXXX so they made good on their threat due to the requests I was making. On top of that the account has incorrect information as well as personal information I already disputed to the company directly on a recorded call. 
They violated my rights under law many different ways there and there are too many statutes to cover in this space.
Consumer complaint received 2022-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (CA)

In XXXX XXXX my bankruptcy was discharged. XXXX XXXX, The mortage company first told me i had to reaffirm the debt. I called my lawyer and he said in California, you can not reaffirm a mortgage. I continuously paid my mortgage but they refuse to report it on my credit report. XXXX XXXX, I talked to Shellpoint Bankruptcy Department and they stated all I had to do was send credit bureau my payment history and they will put it back on. I Sent the information in and the credit bureau and they said Shellpoint has to report it to them again. I have attached my payment history to show that I have been continuously making my payment. 
Shellpoint Mortgage Servicing XXXX, SC XXXX XXXX www.ShellpointMtg.com Phone Number : ( XXXX ) XXXX Acct # XXXX
Consumer complaint received 2022-06-21
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: Experian Information Solutions Inc. (TX)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Employer : WORK XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX Inquiries : XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Collection : XXXX  XXXX XXXX XXXX XXXX XXXX Experian ADDRESS : XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX XXXX XXXX  Inquiries : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX Collection : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Inquiries : XXXX XX/XX/XXXX
Consumer complaint received 2022-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I have multiple credit cards who are stating I owe a lot of money and yet they refuse to verify the debt. I dispute these debts as I do not owe them I asked them all to verify and send me itemized statements and they failed to do so There is 5 with XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX and XXXXXXXX XXXX also state they will remove their items from my credit report and to date they have failed to do so I am XXXX as a result of these companies and they refuse to even send me itemized statements Some have even sued me at addresses I have not lived at in 7 years. They are trying to get me to pay someone else 's debt and/or they have the balances owed incorrect and refuse to verify anything.