davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-26
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. (FL)

This account is Charged off which is a violation of my rights I never gave any written consent for this to occur this is idenity Theft. The creditor has sold/furnished my debt and is not negatively reporting it on my credit profile this is damaging my name as I try to advance in life. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # 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. Code 1681b - Permissible purposes of consumer reports ( 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, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I want this negative impact removed from my credit immediately or to be compensated for the violation of my rights 15 U.S.C 1681n States : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I would like to be compensated for all of these errors and violations
Consumer complaint received 2022-06-26
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nationwide Recovery Systems, Ltd (MO)

I realized that my credit scores got dropped down and the amount charged was too much as at XXXX of XX/XX/2022 and they always call and Threatening me over debts I dont owe them and it has been a old report in my credit score which they filed such to every credit card companies and other collections companies which they charged about {$3800.00}
Consumer complaint received 2022-06-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On XX/XX/XXXX, I asked all three credit bureaus to Verify the information that XXXX XXXXXXXX was reporting on my report, the account is almost 10 years old and should not be reporting anymore and they will not help me with this problem. I have contacted everyone and still no help. 

XXXX XXXX XXXX XXXX Account # XXXX Opened XXXX XXXX XXXX
Consumer complaint received 2022-09-24
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. (NC)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., 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 NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$340.00} XXXX  XXXX XXXX Balance : {$500.00XXXX XXXX  XXXX Balance : {$0.00} XXXX  Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXL XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. 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
Consumer complaint received 2022-06-26
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)

CFPB complaint ID XXXX dated on XX/XX/2022, I XXXX XXXX XXXX XXXX, have notified the Credit Reporting Agencies XXXX XXXX Experian, that the Inquiries that is currently being furnished on my Consumer Report is FRAUD and is IDENTITY THEFT and XXXX XXXX XXXX XXXX XXXX willfully and knowingly and intentionally broke Federal Law and Refuses to remove such FRAUD Inquiries AFTER Ive notified XXXX dated on XX/XX/2022 that the Inquiries is Unauthorized use and Identity THEFT!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! IDENTITY THEFT!!!!!!!!!!!!!! IDENTITY THEFT!!!!!!!!!!!!!!!!!!!!!!!! 

CFPB, this why its important you continue to sue the Credit Reporting Agencies, such as XXXX, Experian, XXXX, because theyre going to continue to violate Consumer Rights and break Federal Law and shall be held accountable and prosecuted for their criminal activities. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX and XXXX XXXX employees willfully and knowingly and intentionally broke Federal Law Title 15 U.S. Code 1681s2 ( 6 ) ( A ) - Responsibilities of furnishers of information to consumer reporting agencies ( 6 ) Duties of furnishers upon notice of identity theft-related information ( A ) Reasonable procedures A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 

Being that XXXX XXXX XXXX XXXX, Experian, has willfully and knowingly violated Federal Law and failed to remove such Identity Theft Inquiries, I will file a lawsuit against XXXX, Experian for willfully and knowingly violating my rights and Federal Law, and Fine the Consumer Reporting Agencies {$100000.00} ( PER VIOLATION ) for noncompliance under the Gramm-Leach-Bliley Act with prejudice!!!!!!!!!!!!!!!!!!!!
Consumer complaint received 2022-06-26
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. (CA)

According to the FCRA 15 U.S.C. 1681 e ( b ) and 15 U.S.C. 1681 b ( a ) 2 i did not give any written instructions XXXX XXXX XXXX  account number is XXXX ..... 

XXXX states account balance is {$3500.00} experian states balance is {$3500.00} XXXX  states balance is {$0.00} date opened XXXX states XX/XX/2017 inaccurate experian states XX/XX/2017 XXXX  states XX/XX/2017
Consumer complaint received 2022-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX and I have a few concerns Based on : 15 U.S. Code 1681 3 ( a ) ( b ) ( c ) Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; XXXX XXXX Original creditor : XXXX XXXX XXXX  Account number:XXXX Date opened : XX/XX/XXXX Account type : Collection XXXX. XXXX Original creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX. 
Account number XXXX Date opened : XX/XX/XXXX Account type : Collection Please delete these items as soon as possible! 
Also XXXX has stated that they dont have any information furnished to my credit report and if this is the case then these are not my accounts. 

XXXXXXXX XXXX  XXXX Account number XXXX XXXX Account number XXXX XXXX/DEPT OF ED Account number:XXXX balanceXXXX XXXXXXXX Account number : XXXX XXXX I need more clarity as the reports with the three credit bureaus does not make sense.

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2022-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (NJ)

There were unauthorized charges on my BJ 's - Comenity Capital Bank XXXX on XX/XX/XXXX in the amount of {$4800.00}. I called the credit card company to report this on XX/XX/XXXX when I noticed it. The card was cancelled and a fraud case opened. I have been told that could take up to 3 months to resolve. The amount of the fraudulent purchases were removed from my bill. In the meantime they were doing a system change and no one could get into my account. Somehow they accepted my payment that I owed but added late fees and interest even though I was told not to pay until I received a paper bill. I could not access my account online. I called regarding the fees and was assured they would be removed. Not only did that not happen, more has been added. I have spent endless hours on hold trying to resolve this issue. I do not want my credit impacted as I have been a good customer and have always paid in full and on time. I have been without a replacement credit card for two months and as of today they still can't issue me one as they can't get into my account. I am missing out on the 5 % payback I am due which was the reason I applied for this card. I have gotten no satisfaction from the bank, they just ask me to be patient and it will someday be resolved.
Consumer complaint received 2022-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

On approximately XXXX XXXX I notified Capital One of fraudulent charges on my account. The charges had been made through online merchants for the merchant XXXX. These were not authorized purchases made by me and were made for a video game. The charges started out at very small amounts ( {$1.00}, {$5.00} ). The credit limit on this card at this time was {$300.00}. In XXXX of 2021 the credit limit was raised to {$2500.00}, without my knowledge of request. This in turn increased the frequency and amounts of the charges being made by this merchant on my account. I was never notified or contacted by Capital one as to the unusual increase of charges on my account. During this time due to the delay in mail delivery and the other challenges of the Covid pandemic, I made payments to my account without throughly auditing each charge. The charges were made by XXXX and XXXX both of which I had accounts with. These fraudulent charges totaled XXXX transactions totaling {$13000.00}. 
After an extended time frame and 10 phone calls to Capital one, I was told that the amount deemed to be fraud was {$2400.00}. The remaining balance of {$11000.00} was deemed to be valid and would not be returned. Upon further request and escalation of the calls with Capital one, I was told the remaining balance was deemed valid because I continued to make regular payments on my account.
Consumer complaint received 2024-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

I previously submitted a complaint on XX/XX/XXXX. The complaint ID is XXXX. On XX/XX/XXXX, the Department of Education announced an extension on the deadline to recertify any IDR loans to earliest XX/XX/XXXX. My original deadline to recertify my SAVE plan with Mohela was in XX/XX/XXXX, so my deadline should have been pushed. Mohela did not follow this guidance from the Department of Education and took me off my SAVE plan. See link to the announcement here : https : //studentaid.gov/announcements-events/idr-recertification-extended On XX/XX/XXXX ( screenshot below ), after waiting for Mohela to update my account to reflect this new information and seeing they had not updated anything, I sent them a message asking when it would be updated. They responded saying they were " working on updating accounts. '' On XX/XX/XXXX, I learned that Mohela had kicked me off my IDR plan ( the SAVE plan ) and put me on " SAVE-ALT '', which is just a standard repayment plan, because they failed to update my account to reflect the new guidance. They tried to get me to recertify earlier than allowed. 

On XX/XX/XXXX, Mohela responded to my CFPB complaint by saying it needed more time to process. On XX/XX/XXXX, through a complaint I made to Federal Student Aid ( screenshot below ) Mohela stated that it had " erroneously cancelled my SAVE plan '' and was working to fix it. 

It is now XX/XX/XXXX, more than seven months since my initial CFPB complaint, and Mohela never corrected my SAVE plan. Now that a federal injunction on SAVE is ongoing, they have taken advantage of the situation and are now asking me to go under a " processing forbearance '' I must renew every 60 days. Under this forbearance, interest continues to accrue on my loans. If I were correctly under my SAVE plan as Mohela itself admitted was erroneously cancelled, I would be under what all current borrowers under SAVE are correctly under : a general, continuous forbearance that garners NO interest until a decision on SAVE is made and the injunction is over.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I am writing to express my extreme dissatisfaction and frustration regarding the numerous unsuccessful attempts and delayed correction of the late opening of my accounts with Credit Bureaus. Despite multiple communications and persistent efforts on my part, the issue of late account openings persists, causing significant inconvenience and frustration. 



Initial attempt to open the accounts was made, but I encountered issues with the process. 

Contacted customer service immediately and was assured that the issue would be resolved promptly. 

Followed up on the progress, only to find that the problem persisted. Customer service assured me that it was being addressed. 

Subsequent attempts to open the accounts were made, yet the issue continued to persist. 

Numerous calls and efforts were made to customer service, each time receiving assurances that the matter was being escalated, but the accounts remain unopened. 

The prolonged delay in correcting these issues has not only hindered my ability to access the accounts ' services but has also created unnecessary stress and uncertainty. 

I urgently request the following actions : Immediate and expedited investigation into the root cause of the late account openings. 

Transparent communication regarding the steps being taken to correct the issues. 

Swift resolution and correction of the account opening problems, with confirmation of the successful resolution. 

Assurance that these issues will not impact my accounts ' functionality or standing once resolved. 

Compensation for the inconvenience and any potential financial impact caused by the delayed account openings. 

I insist on a resolution within the exact time frame from the date of this letter. Failure to address this matter promptly will compel me to escalate my complaint through appropriate regulatory channels. I am asking for your assistance to correct the late open accounts in my credit file XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX Balance : {$20000.00}.
Consumer complaint received 2023-08-29
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (ID)

Back in XX/XX/2023 I made a payment to Freedom Mortage, on time as always. They had changed my escrow and my payment was on time but not the change in escrow. I did not find out about this until XXXX, after they reported my being late- I'm NEVER late. 
They took the late fee off, because it was not late but they reported me to the credit bur. and will not take it off, This is hurting my credit in a big way. XXXX months ago I sent them a letter requesting to take over my escrow so this does not happen again. I just got the unsigned generic letter saying no because I had a 30 late payment -- -- -your kinding right!!! I have tried to talk to them about this but they say their policy is not flexible, even thow it was them that made me late by not posting. 
This same situation just happened to me again this month of XXXX they changed my escrow and did not post my payment, Luckly for me I caught it before the 30 days. This is even more reason I want control of my own escrow, they keep screwing it up and changing it. 
Now I am waiting for a call from the next up in line to tell me its their policy. 
Dont I have a right to control my own excrow? 
And my payment was not late in XXXX, they made it late, even took off the late fee but wont change credit reporting. This is WRONG XXXX XXXX
Consumer complaint received 2022-10-24
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. (CO)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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.
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX. Got a card several years ago, never activated the card. Got it after my divorce, to have a line of credit to help my rebuild. Even though it was never activated, apparently I was charged {$99.00} dollars a year, that I wasn't aware of. Had to get new debit card, because old card number was hacked. So XXXX was unable to process their {$99.00} dollars, and so now I have a hit on my credit score because of their immoral practices.
Consumer complaint received 2022-08-30
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. (PA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX XXXX  but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, 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