davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-25
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. (NJ)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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
Consumer complaint received 2023-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (VA)

I have contacted EdFinancial Services several times over the past XXXX months to remove improperly accrued of interest betweenXX/XX/XXXX-XX/XX/XXXX Interest should have been re-paused for all of them while I was enrolled in graduate school. This seemed to happen but only for some of the time. Between XX/XX/XXXX, there are several periods of time when interest would stop and randomly accruing for a few months even though I was enrolled the entire time. This resulted in being overcharged a substantial sum of money. Several of the payments made during that period going to this improperly accrued interest rather than the principal of the loans. The problem seems to stem from several enrollment status errors are listed on the Federal Student Aid 's website. 

EdFinancial Services removed some of the interest in XX/XX/XXXX ; however, their calculation still appears to be incorrect. I've requested a complete breakdown as well as their methodology for this calculation multiple times ; however, I have not received them yet.
Consumer complaint received 2019-01-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (TN)

I recently received a letter from XXXX XXXX XXXX to validite the debt on my mortgage. I've requested a mortgage modification with Caliber Home Loans and I have not received a modification documents. I did speak Caliber customer service regarding my modification request. I was told they made a private mortgage insurance claim for over {$20000.00} I questioned why were they making that claim when I was only a few months delinquent I was told by customer service, Caliber Loans they were going to escalate this issue to upper management because they should not be making a claim for that amount when I was only delinquent for a few months.
Consumer complaint received 2023-10-25
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. (AR)

I am writing to express my deep dissatisfaction and concern regarding the multiple unsuccessful attempts to correct late open accounts on my credit report. Despite my persistent efforts, these inaccuracies remain unresolved, causing significant distress and financial consequences. I first initiated disputes regarding these late open accounts. Since then, I have consistently reported these inaccuracies to your agency and provided the necessary documentation to support my claims, such as proof of timely payments and account closure records. Despite multiple disputes and my repeated efforts, these late open accounts have not been corrected. The continued presence of these inaccuracies on my credit report has had detrimental effects on my credit score, financial stability, and overall well-being. I am unable to secure loans, obtain favorable interest rates, or access various financial opportunities due to these errors. I kindly request the following actions be taken promptly : A comprehensive and thorough review of my credit report to verify the accuracy of the late open accounts in question. An investigation into the origins and validity of these accounts, including the verification of my claims regarding the correct opening and closure dates. XXXX correction and removal of these late open accounts from my credit report if they are found to be inaccurate. An explanation for the prolonged delay in resolving these disputes and the steps being taken to expedite the correction process. Written confirmation of the actions taken to rectify these inaccuracies and a specific timeline for their completion. I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies promptly investigate and correct inaccurate information on consumers ' credit reports. I expect that your agency will adhere to these federal regulations and work diligently to resolve these matters to my satisfaction. I am asking for your assistance to correct the late open accounts in my credit file : XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$320.00} XXXX XXXX  Opened XXXX. XXXX, XXXX Balance {$690.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$17000.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX  Opened XXXX XXXX XXXX XXXX Balance {$230.00} XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$710.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$410.00} XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$990.00} XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$17000.00} XXXX XXXX XXXX XXXX  XXXX. XXXX, XXXX XXXX {$380.00}.
Consumer complaint received 2023-10-25
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 submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them 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 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
Consumer complaint received 2019-03-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: LOBEL FINANCIAL CORPORATION (CA)

I filed a chapter XXXX bk in XX/XX/XXXX. At the time XXXX XXXX XXXX stated the amount owed was XXXX, XXXX. Through the chapter XXXX bk, this amount was settled in full. My wife attempted to call them today XX/XX/XXXX and back in XXXX to get our title from them. However, they are saying that we still owe a balance. Our bk was discharged on XX/XX/XXXX with no response from this lender contesting the Trustee 's Final Report. We'd like to have our title to our vehicle that may we may move on with our lives.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is another attempt at disputing online with cfpb.in an Earlier attempt my documentation and supporting evidence did not upload. Disregard previous disputes than this dispute. This dispute contains all necessary documents needed to support my case in this dispute. 

This dispute encompasses two primary issues : 1. Identity Theft Account : The first issue relates to an account on my credit report that I believe resulted from identity theft. This account was added to my credit report without my consent, making it a potential case of identity theft. The accuracy of this information is being disputed as it is not related to any transaction initiated by me. 2. Inaccurate Auto Loan Reporting : The second issue pertains to an auto loan account that is inaccurately reported as not paid in full despite being satisfied more than 60 days ago. Additionally, the payment history for this account inaccurately portrays the month of XXXX as 30 days late. Subsequent to XXXX no further activity has been reported, which raises questions about compliance with the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2023-10-25
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. (TN)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-18
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: EQUIFAX, INC. (NY)

To Whom It May Concern, There was a hard inquiry made on XX/XX/2017 that I did not authorize by the company called XXXX, I did sign any document giving permission for this hard pull nor did I authorize anything. I was looking over my credit and noticed this error.
Consumer complaint received 2018-07-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I have sent the original creditor ( XXXX XXXX, XXXX. ), a notorized FTC identity theft report and affidavit and I have requested validation of contract from XXXX XXXX, XXXX, since 2016 this company has continued to harass me with letters. Account Summary Report prepared by XXXX XXXX XXXX, this is a dummy corporation for the same collection agency. I have seen or received no contract with my signature making me liable legally for this fraudulent debt.
Consumer complaint received 2019-01-30
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. (TX)

What in the world is happening on my credit report, there are several accounts that appear out of nowhere! I have never dealt with these creditors in the past, I do not know who they are..The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  ) XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX  ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX   XXXX
Consumer complaint received 2019-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

So I filed a equifax complaint because of the 60 % utilization despite me already paying it off. You guys rereported a month later a 60 % utilization despite a 1-2 % utilization. 
I went into a branch, called multiple times ... Employees gave wrong  information about prepaying to lower utilization. Multiple managers hung up on me.
Consumer complaint received 2023-10-25
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. (NY)

The unverified items indicated below continue reporting on my credit report despiteseveral written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you donot validate these items. Please follow the law so that this situation can be settled quickly. 


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 2019-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Three inquiries were made on my credit report. None of which were me. See below for details. I spoke to all three in XX/XX/2018. XXXX and XXXX submitted retractions and the inquiries were removed from Transunion, but still remain elsewhere. XXXX stated they dont keep a record of inquiries and said they would send a letter. They never did. I called today and they suggested this site. I need all three removed from my credit report across the board ASAP. 

XXXX/XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX/XXXX  XX/XX/2018 XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Thank you.
Consumer complaint received 2023-10-25
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. (NV)

Please see attached letter, exhibits, and identification documents. The three accounts in question were not blocked from my credit report following my Identity Theft Report received by TransUnion XX/XX/2023 ( Pursuant to 15 U.S. Code 1681c-2 ). These three accounts were also not deleted by TransUnion for having major discrepancies between the three bureaus. Instead they were 'Verified ' as 'Accurate '. I am now questioning TransUnion 's verification and investigation methods in this attached complaint letter, also delivered to TransUnion on XX/XX/2023 via USPS mail.
Consumer complaint received 2023-10-25
Product: Credit reporting 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. (GA)

On XXXX XXXX XXXX, I sent a letter to both Experian and XXXX to reset my Online Access as I am not able to login due some kind of blocking or security issue with their website and systems. I have called them so many times but no use and I do not have Online even after 6 months of trying.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (KY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-25
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: EQUIFAX, INC. (GA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3300.00}
Consumer complaint received 2020-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

Per the fair credit reporting act, I requested that the credit bureaus send me documents verifying an account that is on my credit report. It was mailed on XX/XX/XXXX, I still have not received a response.
Consumer complaint received 2023-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (IA)

I contacted my student loan servicer ( Nelnet ) to update my payment plan. I first called them on XX/XX/ to ask to move to a different payment plan. They told me it was not a problem, they updated it, and it would take 11 business days before it would reflect my new payment plan online. That date came and went and it was not updated, so I called again on XXXX They then told me that it was actually supposed to be a 22 day turnaround ( not 11, XXXX XXXX XXXX was supposed to be the original deadline ), they could not rush my request, and to call back after the XXXX if it was still not fixed. They would not provide me with a reference or ticket number, the rep would only provide me with her first name. The second deadline arrived and it was still not resolved. I waited a couple of business days to give it a buffer, but it was still not fixed so I called for a third time, on XX/XX/. This time the rep told me that during my second call, my initial request was " disregarded '' so it was not processed as it should have been. She allegedly had to get " approval '' from a supervisor to expedite my request ( why, I don't know- it was their mistake so I'm not sure why it needs approval? ). She was able to get approval but reportedly had to call another help desk to make the update to my account. This third call took 4 hours total but did finally resolve my issue. I have attached a screenshot below of the call time right before we disconnected. I want to note that, in the defense of the last rep, she actually resolved my issue and made sure to check on me periodically while I was on the extremely long hold.
Consumer complaint received 2023-10-25
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. (LA)

XXXXXXXX XXXX is reporting a late or missed payment when i never missed a payment the loan has 2 payments until paid off i have submitted disputes with the credit agencies and XXXX XXXX says veried when i have proof of two payments made in the month of XXXX and XXXX this needs to be removed immediately.
Consumer complaint received 2023-10-25
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-11-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (OH)

In XX/XX/XXXX, I informed RoundPoint that I have paid off my property tax for XXXX. And I requested that they do not try to collect that in escrow.

RoundPoint received my request and ignored it. They collected the escrow after receiving my request and claimed that they refunded me in XX/XX/XXXX. 

In fact, I never received the payment of more than XXXX XXXX dollars. The company refuse to send me the fund after almost 2 years and many many attempts.