davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian and XXXX is reporting this information.. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2022-05-26
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. (SC)

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C 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
Consumer complaint received 2022-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IN)

In XX/XX/2022 I sent a letter to the credit bureau regarding XXXX medical accounts showing on my credit report. I asked the credit bureau Validate the debt, A Breakdown of fees including any collection costs and medical ALL medical charges how they were derived or came about so I know it was billed correctly under the guidelines of the XXXX and XXXX. 
I also requested to receive the HIPAA authorization signed by myself and to be provided with a copy of my signature with the provider of service to release my medical information to you. 

I asked for this information because the creditor could not verify or send me any info on the accounts. 

It is now XX/XX/2022 and i still have not received any correspondence pertaining to this dispute and the unverifiable accounts are still showing on my credit reports.
Consumer complaint received 2022-09-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

In accordance to the fair credit reporting act CAPITAL ONE # XXXX Capital one # XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX capital # XXXX accounts 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 : States A consumer reporting agency can not furnish an Account without my written consent 15 U.S.C 1666B : States A creditor Can not treat a payment under a credit card account, Under an open in consumer credit plan as late for any purpose. 

Please delete these accounts immediately this has detrimentally impacted my XXXX score for years
Consumer complaint received 2023-12-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NY)

I received correspondence from student loan servicer MOHELA dated XX/XX/XXXX regarding IDR recertification which needs to be completed before the deadline of XX/XX/XXXX. However, Studentaid.gov specifically states " The earliest you could be required to re-certify is XX/XX/XXXX. 
On your account XXXX XXXX page, you may still see a recertification date that is earlier than XX/XX/XXXX. We are working to get those updated, and we thank you for your patience. If your recertification date falls between now and XX/XX/XXXX, it will be pushed out by one year. For example, if your account says your recertification date is XXXX XXXX, XXXX, that date will be pushed out to XXXX XXXX, XXXX. '' This excerpt is taken from : https : //studentaid.gov/announcements-events/covid-19 under Income-driven repayment, under subheading " when do I have to recertify my IDR plan? '' According to the above, my recertification date should be pushed back one year to XX/XX/XXXX. I have reached out to MOHELA but I have not had any resolution or explanation of this matter. The representative states the information from studentaid.gov, a government website is incorrect. This problem is actually well known to other borrows in my situation and they have had this problem resolved with Mohela.
Consumer complaint received 2022-05-26
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: JPMORGAN CHASE & CO. (RI)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.
Consumer complaint received 2022-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation (FL)

Hello, I received this mail from a bank called aspire, saying pre qualified for a XXXX dollars credit card. Since I've been recently boosting my credit i believed thats why i got this mail. I never realized the type of scam this business is. The have a online app that doesn't work at all. It barely able to open, and the online website is even worse with logging in. I getting extra free {$60.00} charges and it hast even been a month since my last payment. I can not check what the fees are for. They wont allow me to close account, every customers service person I've spoken too dont care about anything else but me paying of my bill. They not attempting to even listen too me.
Consumer complaint received 2023-11-10
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. (LA)

I am writing to file a formal complaint against XXXX XXXX for apparent violations of the Equal Credit Opportunity Act ( ECOA ), which I believe may constitute securities fraud. I am deeply concerned about the denial of my credit application by XXXX XXXX, as I assert my rights as a consumer under the ECOA. 
Violation of Equal Credit Opportunity Act ( ECOA ) and TILA : I, as a consumer, am protected under the ECOA and TILA, which prohibits creditors from discriminating against applicants on the basis of race, color, religion, national origin, sex, marital status, or age. I believe that the denial of my credit application is a direct violation of my rights under this Act. 
Securities Fraud Implication : Denying credit without valid reasons may be indicative of securities fraud, as it potentially misrepresents the financial standing or creditworthiness of the consumer. Such actions can lead to false information being provided to investors and shareholders. 
Consumer Rights to Credit : The extension of credit is a fundamental consumer right. Denying this right without clear and justifiable cause not only violates my rights under the ECOA but also raises concerns about fair and ethical lending practices. 
I request that XXXX XXXX either returns my credit application unendorsed or proceeds with the consumer transaction as per my rights. I believe that any denial of credit should be based on valid and non-discriminatory factors, and I request a thorough investigation into this matter. I kindly ask the Consumer Financial Protection Bureau to investigate this complaint and take appropriate action against XXXX XXXX if any violations are found. I am also open to providing any additional information or documentation that may assist in the investigation. 
Thank you for your attention to this matter. I look forward to a resolution that upholds consumer rights and ensures fair and transparent financial practices.
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

15 USC 1681 ( a ) ( 4 ) THERE IS A NEED TO INSURE THAT A CONSUMER REPORTING AGENCIES EXERCISE THEIR GRAVE RESPONSIBILITIES WITH FAIRNESS, IMPARTIALITY, AND RESPECT FOR THE CONSUMER 'S RIGHTS TO PRIVACY. I DEMAND A DELETION OF ALL PERSONAL IDENTIFIABLE INFORMATION FROM MY CREDIT REPORT WITH THE EXCEPTION OF : 1. MY FULL NAME : XXXX XXXX XXXX, 2. MY ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, TEXAS XXXX. PLEASE DELETE ALL OTHER ADDRESSES AND NAMES, I CAN NOT RECEIVE MAIL OR ANY CORRESPONDENCE NOR DID I EVER LIVED AT ANY OF THOSE ADDRESSES, OR USED ANY OTHER NAME EXCEPT MY OWN : XXXX XXXX XXXX. ALSO DELETE ANY OTHER PHONE NUMBER BESIDES ( XXXX ) XXXX FROM MY CREDIT REPORT. I DEMAND MY SOCIAL SECURITY NUMBER AND DATE OF BIRTH BE REMOVED FROM BEING DISPLAYED ON THE CREDIT FILE FOR PRIVACY REASONS. PURSUANT TO THE FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I AM A FEDERALLY PROTECTED CONSUMER AND HAVE A RIGHT TO PRIVACY. NOT GRANTING ME MY RIGHTS IS AN INDIRECT VIOLATION OF 15 USC 1681 AND ALL ITS SUBSECTIONS. PLEASE SEND AN UPDATED CREDIT REPORT ONCE THE CHANGES ARE COMPLETED TO MY CORRECTED ADDRESS : XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, TEXAS XXXX. 
I ENCLOSED A COPY OF MY STATE ID AND SOCIAL SECURITY CARD AS PROOF OF MY ADDRESS AND IDENTITY
Consumer complaint received 2022-05-26
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: Experian Information Solutions Inc. (FL)

Dear credit reporting Agency I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway
Consumer complaint received 2022-09-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (KY)

Was below 78 % of the original loan valuation. Contacted NewRez on XX/XX/2022. Was advised by the gentleman that he showed I was well under the 78 % and that the PMI should be removed in 2-3 days and my account online would reflect this. This did not occur so called back on XX/XX/2022. The lady stated that she did see that the request was put in, but had not been completed yet, allow some more time and any additional payments would be backdated for me. Made my payment with the PMI that was due on XX/XX/2022. Waited a few more weeks and called on XX/XX/2022. Spoke to the representative who stated she was not able to see any requests and that my PMI was not paid monthly anyways. After questioning her about this inaccuracy, she spoke to a supervisor and returned stating that there was no rule that they had to remove the PMI, but she was instructed to put in a request. I will now make my 2nd unnecessary PMI payment on XX/XX/2022.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am filing a complaint regarding the Credit Reporting Agencys violations of the Fair Credit Reporting Act ( FCRA ) related to inaccurate information and lack of proper notification on my credit report. These actions have impacted my credit score, causing a significant decrease, without prior notification or sufficient updates during an active dispute.

Background : 1. Inaccurate Reporting ( FCRA Section 623 ( a ) ) : The credit reporting agency and furnisher added remarks to my report that caused a substantial drop in my credit score, without verifying accuracy. These changes were made without informing me, in violation of the FCRAs requirement to report only accurate information.

2. Lack of Notification and Timely Updates on Dispute Status ( FCRA Sections 611 ( a ) and 623 ( b ) ) : Despite having an active dispute regarding the specific account in which remarks have been added and changed, I have not received timely updates on the investigation status. FCRA Section 623 ( b ) requires that furnishers investigate disputes promptly and notify me of any updates or changes made as a result. Through a third party company, I have learned that My credit reported has been updated on XX/XX/XXXX, XXXX, XXXX, XXXX, and XXXX, XXXX. I have not received any notifications from the Credit Reporting Agency regarding this dispute.

3. Ongoing Harm : This lack of transparency and accuracy has caused financial harm, affecting my creditworthiness and overall financial stability.
Consumer complaint received 2022-05-26
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. (NY)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX # 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 15 U.S.C 1692C 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
Consumer complaint received 2022-05-26
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. (NY)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX # 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 15 U.S.C 1692C 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
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

XXXX XXXX XXXXXX/XX/XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2022-05-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (TX)

Hello! 

FedLoan Servicing is my student loan servicer. On XX/XX/XXXX, I called FedLoan and requested refund of payments made during XX/XX/XXXX through XX/XX/XXXX as part of the CARES Act. The payments totaled {$6700.00} and were as follows : XXXX XXXX {$960.00}, XXXX XXXX {$960.00}, XXXX XXXX {$960.00}, XXXX XXXX {$960.00}, XXXX XXXX {$960.00}, XXXX XXXX {$960.00}, XXXX XXXX {$0.00}, XXXX XXXX {$0.00}, XXXX XXXX {$0.00}, XXXX XXXX {$0.00}, and XXXX XXXX {$960.00}. 

I was informed the refund request was not initiated until XX/XX/XXXX. At the time, I was told the process could take up to 60 days. I was told the refund process includes FedLoan initiating the request who then sends the request to US Dept of Education - Federal Student Aid ( FSA ) for review and approval. After waiting approximately 60 days, on XX/XX/XXXX, I called FedLoan to check on the status of this refund request since I had not received it and I was told the process can now take 90 days. FedLoan informed me they have submitted the request but are waiting on FSA to approve it before they can take action. And I was told the refund would come in the form of mailed US Treasury checks since XXXX was my loan servicer prior to being transferred to FedLoan in XX/XX/XXXX. I continued to wait another 30 days and called XXXX in XX/XX/XXXX and was told the process is taking longer than expected and to wait longer. As of XX/XX/XXXX, I am still waiting for this refund request. I have wait well over 150 days for this refund request. 

I know FedLoan is working incredibly hard to process thousands of PSLF Waivers and refunds over 120 payment counts. I feel that my request is not being processed in the order it was received and there is something wrong with my particular request. I do not feel that FedLoan and FSA are communicating appropriately to handle my request. I do not receive any communication for my request and each time I call FedLoan, I can receive conflicting information and need to escalate my call to a superior representative to get consistency.
Consumer complaint received 2022-09-22
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: Experian Information Solutions Inc. (AR)

Experian continues to report inaccurate information about the account on my report named XXXX despite having investigated this account three times and supposedly updating it each time. Instead of actually updating the account with accurate information all they did was change the " balance updated '' date. Reporting inaccurate and unverifiable information is a violation of my rights under the Fair Credit Reporting act. I request that Experian DELETE the account WEBBANK/FHUT for inaccurate reporting because the date last active is incorrect and has been re-aged. Experian shows the date last active as XX/XX/XXXX and XXXX lists it as XX/XX/XXXX. These are both drastically different dates. If Experian actually verified the account with the furnisher XXXX times as they claim, then why are both bureaus reporting such different dates? 

On XX/XX/XXXX I requested that Experian investigate this account because it was inaccurate. They responded to me online and updated the account on XX/XX/XXXX yet no changes seem to have been made except the " balance updated '' date. On XX/XX/XXXX I requested a reinvestigation of the account to ensure accuracy. They responded to me online and updated the account on XX/XX/XXXX. Again, it seemed as though nothing had changed except the " balance updated '' date. On XX/XX/XXXX I requested that they delete the account as another bureau ( XXXX ) was no longer reporting it. They responded online XX/XX/XXXX and again updated the account and changed the " balance updated '' date. Then, finally, on XX/XX/XXXX I again challenged the account stating that the date of last activity was incorrect and requested a deletion. Experian responded on XX/XX/XXXX by updating the account yet again. Nothing was changed except the " balance updated '' date. 

Obviously Experian made no effort either time to actually verify the accuracy of this account and all the details my report contained and instead sent a computer generated response. This is unfair and this inaccurate reporting is harming my credit rating.