davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under USC1681 Account Name : XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXX I looked on my Equifax Credit Report on XXXX XXXX and i noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to insure maximum possible accuracy of the information concerning the individual about whom the reporting relates to 15 USC 1681 ( e ) ( b ) And According to 15 USC1681i 5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information. 
( A ) In General If, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I have contacted the Credit beer about these closed accounts that are old and some of them arent even mine. I requested proof of dad or for them to remove these old accounts and they have not. XXXXXXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$11000.00} Balance updated XXXX XXXX XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$6400.00} Balance updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$0.00} Balance updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XXXX XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$300.00} Balance updated XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XXXXXXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XXXXXXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$620.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX  Balance {$0.00} Balance updated XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (PA)

MOHELA will not process my application for a lower payment plan, that was submitted on XX/XX/XXXX. In the meantime, my only options are to have my payments deferred and forfeit any credit for payments made toward public service loan forgiveness ( PSLF ), or make payments higher than the amount I should be paying, on the payment plan I applied for, but after significantly delays, has still not been processed. They do not respond to messages. I waited over a month for an answer to a question and only received a message after waiting all that time, that someone would answer my question " soon ''. They said I didnt owe a payment during the month of XX/XX/XXXX, eventhough I was not in deferral, but could not tell me why. I told them I wanted that month to count towards PSLF, but again said if I made NO payment, it still would- which makes no sense. Now I have a statement for XX/XX/XXXXXXXX  with the same high amount that reflects the payment plan not being processed still. This company is poorly run and I'm terrified that they are in charge of my student loans and basically my financial future, as I am trying to get student loan forgiveness in the near future. Since they are the servicers for the PSLF, and the holders of federal loans, they should be held to a higher standard. This is ridiculous.
Consumer complaint received 2024-10-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear CFPB, I am writing to file a formal complaint against Transunion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Date of Late Payment : XX/XX/year> On date XX/XX/year>, I submitted a dispute to Transunion disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : I never was late in my payments. For instance, I may have made my payment on time or there may have been a clerical error. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Transunion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 
Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I have eight student loans that were serviced by XXXX and were processed for loan forgiveness in XX/XX/year>. The loans were all forgiven, effective XX/XX/year> pursuant to the XXXX XXXX. On my XXXX account as well as my studentaid.gov account, all of my loans reflect a balance of {$0.00}. However, on my credit report all of the loans are still listed as open accounts showing a combined balance over {$160000.00}. The details for each loan indicate that XXXX has not sent updated information regarding the loans to credit agencies since XX/XX/year>. I tried to contact XXXX about this without success, and I disputed the information directly with the credit agencies but received a response that no changes would be made and that the disputed information was " verified as accurate. '' It's been almost three months since the loans were forgiven, and I am simply trying to get that updated on my credit report.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

XXXX XXXX XXXX XXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A Auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX Account number XXXX an credit card opened at at XXXX XXXX on XX/XX/XXXX Account number XXXX an credit card Opened at XXXX XXXX on XX/XX/XXXX Account number XXXX an mobile phone account Opened at XXXX XXXX Original Creditor XXXX XXXX XXXX  on XX/XX/XXXX Account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

XX/XX/year> - XXXXXXXX XXXX was removed from Balance by capital one XX/XX/year> - Capital one adds additional UNAUTHORIZED Charges to my account XX/XX/year> - Capital One has not returned XXXX XXXX. I have spent every week following up with them
Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have addresses and telephone # s and names that do not belong to me reporting on my credit report I had fraud and identity theft I will be sending a copy of my identification of where I have resided for the past 15 years I will like them to be deleted from my credit report please
Consumer complaint received 2023-12-31
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAVALRY INVESTMENTS, LLC (WA)

They contacted my phone number and my boyfriend picked up the phone. On the call they provided my personal information to him. On a separate call with myself they called an another individual disclosed my personal information. The information included my full name, address, phone number, social, date of birth and what they are claiming I owe. I have asked them to stop calling me but I get at least 8 times a day from different numbers.
Consumer complaint received 2023-12-30
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: ALLY FINANCIAL INC. (OR)

I was sold the wrong vin of XX/XX/XXXX. Ally and the dealership reneged the loan. To fix selling me the truck to cheap. I was originally financed at XXXX through Ally Bank XXXX XXXX. And I believe I was paying on two trucks at the same time because after they took the pick up, they credited back the money and took all the late charges off. It was originally through Ally Bank, and then it went through Ally financial. And after they sold the vehicle, I was never returned my equity in it, and they refused to provide paper showing where the money went. every time I contact them they just change the paperwork and send me new stuff. and as of now they wont even return my calls, and they have no information for me. The Tile they use in court is not a real title as it doesnt have the seal of Oregon in the middle. When I research the Vin. It shows both the trucks that I have the Vin on moving at the same time to XXXX dealerships. Then the color changes to the white one that I was originally sold. And the truck disappears. It also shows the first sale being made in XXXX. What Allie does is just transfer me from department to department and then disconnects me. It shows that I was paid out ahead when they took the pick up now after they repossessed it I was dealing with two different lawyers in Washington and a debt collector all at the same time in ally wouldnt help with anything.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.
Consumer complaint received 2023-12-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (NY)

CBE GROUP/CHARTER COMMUNICATIONSXXXX You are in violation of the following subsections of the FCRA ( Fair Credit Reporting Act ) 15 USC 1681. Before I proceed I would like to make it clear to ur company, and those in positions of Authority at your company that congress makes it clear that the banking system is dependent Upon my consumer reports being fair, and accurate to me, Pursuant to 15 USC 1681 ( a ) ( 1 ). Pursuant to 15 USC 1681 ( a ) ( 2 ) congress made clear that you are an elaborate mechanism with no real standing, OR authority. Pursuant to 15 USC 1681 ( a ) ( 3 ) You were not given this role. You assumed this vital role, and because of your ASSUMPTION you have negatively affected my life, and those around me causing me severe hardship, mental stress, and depression. I have been unable to live fairly because of you assuming this role, Pursuant to 15 USC 1681 ( a ) 4 ) You were unfair in reporting this erroneous information without First consulting with me the consumer. You have no proof that this transaction even took place.You were also impartial because you allowed information to be reported while only hearing one side of the story. You also infringed upon my right to privacy by having a conversation about me with a third party, and reporting this information as result of that third party. I am demanding that this information be removed PERMANENTLY soon as possible. Pursuant to 15 USC 1681 ( a ) ( b ) You did not meet the needs of commerce because this was not Fair and equitable to me. This information is non accurate, neither is it relevant to XXXX. Nor was this False information properly utilized in a manner that is or was equitable to me.. Nor was this False informaton properly utilized to a manner that is or was equitabie to me. If This transaction even took place it should've been confidential so you in fact betrayed my confidence. You are in violation of 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) If this was a factual transaction ( Which you would not know because you were no there ) it would in fact be a transaction that solely took place between me and the person who allegedly made this report. Pursuant to 15 USC 1681s ( d ) ( 2 ) ( a ) ( I ) it should be excluded from my consumer report. Pursuant to 15 uSc 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' Should be excluded from a consumer report. The definition of a credit card under 15 us 1681 is the same as it is under 15 USC 1602 ( 1 ) which is " the term " credit card '' means ANY card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit '' Notice, congress said ANY card. The credit card referred to in the following section is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 us 1681a ( 2 ) ( B
Consumer complaint received 2023-12-30
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Freedom Mortgage Company (WA)

I have a mortgage loan from Freedom Mortgage. I received an unexpected call from Freedom Mortgage XXXX XXXXXXXX XXXX XXXX. XXXX XXXX. He had advised that Freedom Mortgage was the proactively offering me a refinance offer due lower rates with FHA and that it wouldnt cost me anything, and with no closing costs. I told him this all sounds great but it sounds too good to be true. He said they were offering this so I wouldnt refinance anywhere else. That night I went through all of the paperwork and signed the okay. Two-three days later I receive a document requesting that I sign an agreement approve an increased loan amount. I did not sign as it was a redflag to me. After trying to get a hold of XXXX XXXX via email and my credit personal loan phone for a few days, he finally answers from my work number. I address my concern and he tells me that at the time of closing, the numbers will make sense again. The closing documents will reflect what he had told me in the original call. He tells me I dont have to sign this new document. I hang up and decide just to play it by ear. A few days pass again and I get a notification that its time for closing and I receive another document ( estimated closing cost ). Again nothing matches what he says. After several more emails and calls go unanswered, XXXX XXXX calls me back. His name is XXXX XXXX. XXXX acknowledges that he reviewed the calls that I had with XXXX and that he had misinformed me but it was just a simple oversight. I point out that XXXX had multiple opportunities to tell me he was misleading me ( point blank saying it sounded to good to be true/whats the catch?, follow up call asking why the document is now including closing costs ). XXXX informs me that my refinance will have closings costs and asks if I want to continue. I tell him no and that there is no way what XXXX did was a simple oversight. He had many opportunities to try and tell me he made a mistake. 

My concern is that I luckily caught it in time. How many other times has XXXX/Freedom Mortgage done this and gotten away with it? These are just predatory practices. Especially given that if you got a loan in the past year, your rates are real high and most lenders people want to improve it. If I hadnt caught it, I would have got a better rate but when rates really do lower, I would have a hard to refinancing again due to the closing costs at the expense of my equity. How many people have been scammed into this? Please look into this. I am so disgusted with Freedom Mortgage.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AES/PHEAA (FL)

My information was sold and bought illegally because i am a victim of the XXXX data breach. I want these items deleted from my credit report effective immediately. I.am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FED LOAN SERVICING-XXXX FED LOAN SERVICINGXXXX CLAIM NUMBER WITH XXXX XXXX XXXX ENGAGEMENT NUMBER IS XXXX
Consumer complaint received 2024-10-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I submitted a dispute with my credit bureau about fraudulent accounts negatively effecting my score on XX/XX/year>. I have a credit alert on my account because my information has been compromised. The consumer recently added notes to my report but has not made any changes. These accounts were not made by me and I would like these removed
Consumer complaint received 2023-12-30
Product: Credit reporting 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. (MS)

My information was sold and bought illegally beyond was a victim of the Equifax data breach.I want these items Deleted from my credit reports effectively immediately.I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and equifax has done nothing. Please help me delete these illegal accounts from my credit reports
Consumer complaint received 2023-12-30
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

GENESIS CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Per FCRA as a federally protected consumer I am opting out of any and all authorization I the consumer may have provided, written, verbal, unwritten and non verbal for the duration of indefinitely per 15 USC 6802. Per Privacy Rights Act of 1974. Per IRS Publication 4681 Canceled Debts are certificates of indebtedness and are now reported as income and income can not be collected.

Action Requested : Remove from ALL Credit Reports.