davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-15
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. (NY)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-08-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (KY)

In XXXX  2024 I received notification from Aidvantage that my scheduled payment had not been received ; and I contacted the loan servicer to inquire about the issue. I was provided with information again stating that the payment was not received. The company I work for makes the payment to the loan servicer as part of my salary benefit package ; after speaking with the agency Financial Director inquiries were made to their financial institution to file a chain of custody inquiry. The financial institution provided the agency with a copy of the endorsed and cleared check provided to Aidvantage ; which was forwarded to the loan servicer. When I have again on multiple occasions attempted to contact and resolve this issue of the supposed missing payment ; I have been given the run around and provided with the answer that the payment must not have been made because they have no record of it even though I have supplied them with multiple copies of that and other payments which have been made to the loan servicer on my behalf. The customer service agents for Aidvantage state they can not tell me who endorsed or deposited the cleared check because they do not have actual account numbers. I feel as though I am being discriminated against due to my XXXX American heritage and Aidvantage 's belief that I am irrelevant which leads to Aidvantage 's opportunistic exploitation of me as they have essentially robbed me of funds used to payback a student loan.
Consumer complaint received 2021-02-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONS DIRECT MORTGAGE, LLC (FL)

In XXXX of XXXX my mortgage company ( Nations Direct ), put a {$4500.00} force placed flood insurance plan on my mortgage. The fees were to be collected and held in the escrow portion of my mortgage. After procuring and sending Nations Direct all the necessary documents proving my home doesn't need any such coverage, they sent me a letter on XX/XX/XXXX acknowledging that I didn't need the insurance, and I'd be refunded the money. Sadly, this didn't happen, They left the initial {$4500.00} charge in my escrow account as a negative balance, and applied the refunded overage charges to it. What they should've done, AND STILL NEED TO DO, is reverse the initial {$4500.00} charge to XXXX, then give me back the overage charges they've collected, AND ARE STILL COLLECTING! Finally, they need to recalculate my monthly payment to reflect the true cost of my HAZARD INSURANCE ONLY, which would be held in the escrow portion of my mortgage, AND QUIT SCREWING ME ARROUND!!!!!!!
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I tried several times to dispute numerous items that were reporting fraudulently on my credit report. I've disputed with all three credit bureaus, and they finally removed the items, after 2 years of attempts. 

However, in the time that each credit bureau was reporting this fraudulent information, I had to spend over {$5000.00} in fees associated with disputing, and this negative information had also caused me to receive denials from other lenders when I actually tried to apply for financing and new credit. 

Also my existing credit account limits were decreased because of the negative information reporting. 

Equifax, XXXX and XXXX have violated my rights as a consumer, under the Fair Credit Reporting Code, violation code ( 15 U.S.C. 1681
Consumer complaint received 2024-11-15
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)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. 

Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX  - XXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report or no longer contains any fraudulent information. 

Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children. These collections were eliminated and not verified by others bureaus. I dont understand how they usually say that these accounts are mine. 

I have requested contracts from this company with my information and for more than 60 days have not received any response from them. Please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation. 

Thank you.
Consumer complaint received 2022-11-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R & B Corporation of Virginia (VA)

I wrote credit control  asked them to validate my debt along with signature page they never answered me and then sent me a bill I sent them another letter they did not answer me I did not give no one permission to disclose my medical information the company is credit control XXXX XXXX XXXX I no under the Fdca and hippa laws they need my written signature to disclose my information so this company violated my rights what can I do now sue. Thanks XXXX XXXX
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

My account with 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 in 60 days to be removed.

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. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Delete the late payments from my consumer reports XXXX
Consumer complaint received 2024-10-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd (NJ)

I had sent the money on XXXX XXXX. They claimed to sent the money to the recipient within seconds. I contacted them a week ago and they asked to me submit the recipient 's bank statement proving that she hasn't received any money. Now, its again been XXXX  days and there is still no whereabouts. I was told that the money should be there within XXXX working days which also ended yesterday. My niece required this money for her survival at XXXX since she is pursuing her XXXX  there. I don't know what is going to happen.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.
Consumer complaint received 2024-10-03
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

To Whom it may Concern, RE : REQUEST FOR FURTHER INFORMATION With reference to Section 609 of the FCRD Act, I would like to request further information on the following item as recorded on my credit report. 

The report records that my debt was purchased by another lender that I did not enter into any agreement with. I request that you provide the original documents for this information containing my appended signature and any other related information. 

If this information is unavailable, I request that you have the item deleted from my credit report as soon as possible. 

Thank you. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (MA)

This in regards to my XXXX forgiveness and the refund I am due yet have not had a sufficient response from Mohela in regards to this. According to the records I paid XXXX payments and although my loans were discharged in XX/XX/XXXX, loans paid off as of XX/XX/XXXX, I have not received my refund as of yet. 
When I spoke to XXXX on XXXX and he spoke to supervisor XXXX and she created an escalation case, # XXXX, XXXX reiterated that my loans got to 120 payments as of XX/XX/XXXX and I was due a refund. He noted that they were still processing the refund. I called today and spoke to a XXXX who was unable to view this last conversation and whom forwarded me to speak with XXXX XXXX XXXX. When I spoke to XXXX XXXX XXXX, they noted that it was Mohela 's responsibility to send the refund payment as they are the loan servicer.
Consumer complaint received 2024-08-15
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. (GA)

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. XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, states a consumer reporting agency can not furnish and account without without my written instructions.

15 U.S.C. 168c. ( 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 and crimes which antedates the report by 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe.
Consumer complaint received 2024-10-03
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: General Motors Financial Company, Inc. (TX)

I purchased a truck and GM financial financed. GM Financial put it on my credit report and removed it days later and Ive asked repeatedly they put the account back on my credit report to reflect almost a years worth of payments and they still havent done it.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am writing to express my serious concern regarding the security of my personal information, as I have noticed that inaccurate information and items continues to appear on my credit report that is not associated with me, and I am deeply troubled by the potential risk it poses for unauthorized access.
Consumer complaint received 2022-11-14
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: OneMain Finance Corporation (LA)

XXXXXXXX Credit Bureaus is reporting hard inquires that was not authorized or given consent to to pull my credit file. However, I noticed several soft inquires on multiple occasions which could possible be a error which is why have asked for an investigation into this matter, 1. ONEMAIN  INQUIRY HARD PULL XX/XX/2022, ALL OTHER ONEMAIN  CREDIT PULLS soft pull DATES ARE XXXX. I HAVE NEVER AUTHORIZED OR GIVEN CONSENT TO THIS COMPANY TO DO A SOFT OR HARD PULL ON MY CREIT REPORT NOR DID EVER COME IN CONTACT WITH THIS COMPANY.. 

XXXX XXXX I HAVE NEVER AUTHORIZED THIS COMPANY OR CONSENTED TO THIS COMPANY PULLING MY CREDIT AT ANY TIME.
Consumer complaint received 2022-11-19
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. (AL)

In accordance with the Fair Credit Reporting act : 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 an account without my written instructions. I am requesting a copy of my written instructions that I provided to each of the credit agencies. If the agencies are not able to provide the requested information they will have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2024-10-03
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Payment process
Company: AmeriHome Mortgage Company, LLC (MS)

After fighting with them for over XXXX  months about paperwork and the loan modification, we finally got that situated. I was placed on a trial payment period for XXXX  months and each payment was made on time. After that, I was told that my payments starting XX/XX/year> would be XXXX. I made the payment on XX/XX/XXXX as shown below. It's now XX/XX/XXXX and time for my next payment, well upon doing so I learned that somehow I still owed for the XXXX payment and my bill was now XXXX. When I called to ask about everything, I was told that the payment I made was put in another account and not applied to my actual mortgage payment. Not only did that happen but now all of a sudden my monthly payment is XXXX. During the whole month of XXXX I never once received a phone call email or statement in the mail saying anything about my payment being late. To make it even better, I called in to make the payment and stated that it was the XXXX mortgage payment. When I called them today which is XX/XX/XXXX the first lady claimed the increase came from escrow, but when I spoke with an XXXX she stated they do not modify XXXX  and is not sure where the money went or why my payment was increased. After a little research on the matter, I feel this company needs to be investigated because way too many complaints along the same lines were made.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IN)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2023-02-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (WA)

Wells Fargo unfairly prevented me from making modifications to my home loan to avoid foreclosure. I believe I have suffered from instances of abuse and/ or neglect. 
This is a case of my loan application being denied when it should have been approved. 
My lawyer and I went to a Mediation with Wells Fargo, and everyting looked good to have my loan redone. The representative from Wells Fargo mentioned to us before we left that he didn't see any problem with getting this loan modification approved. After i was denied my lawyer and I concluded that Wells Fargo was not trying to help me, and was not going to modify my loan under any circumstances.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AL)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

I closed account with XXXX XXXX XXXX  XX/XX/XXXX and was told no balance due, I found out 3 months later that there was a balance that I was not aware of and was told pay {$24.00} to make current. I felt I had no choice so I paid it. Now it is reported as late payment on my credit report and they refuse to fix it if I knew there was a balance I would have paid it then.
Consumer complaint received 2023-11-17
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. (GA)

Equifax has violated my rights and has repeatedly refused to correct fraudulent inaccurate information on my consumer report. At their request for more information such as a FTC report, police report and other documentation which I provided. Nevertheless even after this documentation was provided they refused to remove the inaccurate information. 
Clearly Equifax does not wish to abide be 15 U.S.C 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written instructions. 
Please help me to remove this inaccurate information that is being published without my consent.
Consumer complaint received 2021-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I previously sent three update letters to all three credit bureaus, which are TransUnion XXXX  and XXXX. I've sent them many different letters on different occasions asking them to remove old, outdated information in terms of addresses, phone numbers, and employment, and some of the information that is on my credit report are addresses that I never lived at, so now I'm filing a complaint against all three of the credit bureaus because they have failed to remove old, outdated information and these credit bureaus are also in violation of the privacy laws because they only supposed to keep my payment history but not my addresses and other personal information.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Please read this complaint seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct these incorrect information kept getting ignored and I had enough. This has affected all aspects of my life XXXX  ; it's taking a toll on my XXXX XXXX that I wouldn't even be able to afford help because of my low credit score due to these errors.