davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I am trying to pay off my mortgage for my primary residence. The bank, Fifth Third Bank is unable to provide me with a payoff amount. I have 4 payoff statements from them with 4 different amounts. Additionally, they have added {$2100.00} in late fees, but they can not provide documentation on these fees other than to say they came from the previous mortgage holder when they purchased the loan previously. 

On XX/XX/23 I met with the bank in person after numerous phone calls and chat sessions. At the bank I was told my balance was {$900.00}. I paid that amount in the bank and have a receipt for the same. Sone then I have received approximately 15 letters from the bank with different charges, payoff amounts, and now I am informed that my account is delinquent and I am in danger of foreclosure and that I must pay the amount in full. The problem is, the bank can not tell me how much to pay them. The local branch, not the corporate office can not give me a final answer. I am afraid of losing my home. Please help.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

This account has been previously disputed multiple times and complaints filed with the CFPB with no resolution. The XXXX XXXX card account continues to provide different account information year after year. The various attachments to this complaint are provided by various credit bureaus to show how the payment history and account closure date and status change every year even when I dispute the information with XXXX and Equifax with provided documentation. This account was paid and closed XX/XX/2021. It has continued to report different information between various credit bureaus ( Equifax, XXXX, XXXX ) which has had a severe negative effect on my ability to obtain personal loans for the continuance of my education. It has been stated on a recorded line by Equifax that it can be visually seen that the information is reporting incorrectly, but nothing will be done. This is in violation of consumer laws with the FCRA for " Treatment of inaccurate or unverifiable information. '' It states that If, after any reinvestigation 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. I have requested XXXX to correct the account, but that has failed. At this point, the account should be removed. I paid the account in full and was informed that the account would be closed after the last payment, but it was not. There was a random {$0.00} applied to the account from XXXX months later which further delayed the closure of the account and the continuation of reporting inaccurate information.
Consumer complaint received 2023-06-26
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: EQUIFAX, INC. (FL)

I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.
Consumer complaint received 2023-05-09
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: GOLDMAN SACHS BANK USA (NY)

- [ ] On XX/XX/XXXX I made a purchase at XXXX using the secured payment method of XXXX. My total purchase was for {$3500.00}. My item was set to be delivered by XXXX however I was not available for the deliver so my package was marked as Undeliverable and returned back and to the sender on XX/XX/XXXX at XXXX am. I was supposed to be issued a refund of {$3500.00} to my XXXX account. I waited until XX/XX/XXXX and since I still hadnt received my refund I opened a dispute with Apple Card Goldman Sachs, they initiated a dispute with XXXX. Then on XX/XX/XXXX I received a credit of {$240.00} which I was confused about because this is not the amount of my dispute which is {$3500.00} When I spoke to a XXXX over the phone they told me that they seen I had been refunded from XXXX on XX/XX/XXXX in the amount of {$3300.00}. However this is a refund for a returned item that I purchased on XX/XX/XXXX using my actual Apple Card number, not XXXX. I was confused as to why they would think that this had anything to do with my initial dispute of {$3500.00} from a transaction that I made using XXXX. If I make a purchase and received a refund it will be refunded via XXXX. Apple Card Goldman Sachs exclaimed that they made a mistake and put in another dispute to correct the amount owed to me with the subtraction of the {$240.00} that I was credited on XX/XX/XXXX. However most recently on XX/XX/XXXX I was charged {$3300.00} onto my available balance. So I still do not have my refund for this item that I never received and was returned back to XXXX. Once again they have filed another dispute for the amount of {$3300.00} on XX/XX/XXXX. I do not believe this issue should take this long. I have provided all necessary XXXX  tracking information as well as all of my transactions to show that I should be refunded, but somehow I keep going in circles over and over again. This is a very poor level of customer services from the mistakes made and not paying attention to detail. I do not understand why this company is confusing a XXXX transaction with a transaction that is separate from XXXX.
Consumer complaint received 2023-03-25
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. (NY)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX : {$4600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX : {$0.00}
Consumer complaint received 2023-10-09
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. (MD)

Late Payment for XXXX XXXX XXXX  Account number XXXX was as an direct result of XXXX. I asked for the company to remove the late payments and to mark the accounts as Paid As Agreed. It is not fair that I or anyone would have to wait over 7 years to have late payment removed especially when the late payments was as a result of an disaster. My financial obligations to this account is up to date and should reflect that all payments was received. However, that is not the case and I am respectfully requesting that the accounts be marked as Paid As Agreed.
Consumer complaint received 2023-07-20
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: MOHELA (MI)

I have my student loans serviced through MOHELA from a consolidation in XX/XX/XXXX. In XX/XX/XXXXXXXX  I started receiving alerts from all three credit bureaus regarding my credit score plummeting and a high debt ratio. Upon checking all three bureaus it was revealed that MOHELA had reported my {$69000.00} account twice. I have only one account with MOHELA. I put disputes in to the bureaus and notified MOHELA. By mid XXXX I called MOHELA again and was informed by the Resolutions Department that matter would be handled at the end of the month around XX/XX/XXXX stating the one account would be " taken off " or put as " paid in full '' because that is when they report to the credit bureaus. I waited until XX/XX/XXXX and checked with nothing changing on my reports I contacted MOHELA again. The Resolution Department Representative looked into the matter and explained that they only had one account, but when I told the rep that the accounts had different numbers with the same balances she looked again. She then said that one of the accounts was the initial consolidation loan and it should report as {$0.00}. I told her it says that, but it says '' paid as agree '' making an open account. The rep placed me on hold and then returned stating that everything is good on their end and to check with the credit bureaus on Monday. I kept my composure on the matter that is completely unacceptable although I am completely upset. 
MOHELA refuses to contact the credit bureaus and rectify the matter correcting their reporting error. Pure laziness. MOHELA seems to be racking up loans to collect interest for XXXX reinstatement since the Department of Education suggest to that many borrowers refinance to qualify for forgiveness in XXXX. They are greedy and will ruin your credit in order to keep ghost accounts to have active accounts to collect interest in XXXX. Consolidating with them has been the worst decision I have ever made. MOHELA is terrible and will damage your credit never correcting the wrong they have done. Borrowers beware.
Consumer complaint received 2023-06-13
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. (LA)

In accordance with the Fair Credit Reporting Act and XXXX XXXX # 1. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 2. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 3. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING : XXXX XXXX XXXX XXXX XXXX XXXX. 4.. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX XXXX XXXX XXXX. 5. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING : XXXX XXXX XXXX XXXX XXXX XXXX 6. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING : XXXX XXXX XXXX XXXX XXXX XXXX. 7. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 8. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING : XXXX XXXX XXXX XXXX XXXX XXXX 9. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING : 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 also states a consumer reporting agency can not furnish a account without written instructions. I DEMAND THAT ALL ITEMS BE REMOVED AFFECTIVE IMMEDIATELY! AS I HAVE PROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE INACCURACIES OF MY CREFIT REPORT DAMAGING MY LIFE.
Consumer complaint received 2023-07-20
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)

I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-07-20
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (GA)

XX/XX/2023 I was speaking to a Custom Service Rep/ Supervisor who did try to answer my question but they were not able to help me understand why XXXX was taking out in XXXX for XXXX company and denied XXXX times for another. I was told on a recorded line that ended at XXXX pm that they only allowed during tax time and I informed them I am XXXX receive XXXX and I dont file taxes so why would that be applicable as I dont pay taxes and spend up tax money as the rep prior was told to say to a XXXX person who doesnt blow tax money because I dont receive it. I went on XXXX XXXX to ask fellow Navy Fed members do any of them have insurance being taken out of a regular savings or shared savings that are being utilized and out of those how many have are currently still allowed? That would be a huge contradiction and then my thoughts of the whole its tax time seems a bit discriminatory even with the best verbiage. I posted on XXXX XXXX to get some answers bevausr I would like an explanation. When Speaking with the Supervisor I was told verbiage they follow policy and that I was given a courtesy for the transaction from XXXX weeks prior which contradicted the entire statement and conversation which is my issue. So when speaking telling a person they allow during tax times and toward the end of the year they stop I informed the supervisor I have all my correspondence from when my husband and I opened the account. I do not see in policy who is the deciding factor for choosing when and why they will or will not allow you to pay out of savings because I currently pay all XXXXXXXX XXXX XXXX XXXX XXXX from that account but they rejected XXXX with no correspondence. I do not see anything about tax time or courtesy and its alarming?
Consumer complaint received 2023-06-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

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 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 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 und 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 2023-07-20
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TXXXXX ; XXXX XXXX XXXX XXXX XXXX, TXXXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TXXXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ; XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$18000.00} ; XXXX XXXX Balance Owed : {$2100.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-06-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Wolf River Development Company (FL)

I requested {$500.00} loan, I did my first payment to them. they told me that I have to make 2 payments per months, each payment for the amount of {$130.00}, and none of the money goes to repay the loan, they charged me {$2000.00}, for {$500.00}, at 697.07 % variable rate, it's that even legal, I believe that we have regulatory laws in the financial world, and this depredatory loans are prohibited.
Consumer complaint received 2023-06-26
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: 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. 

Account name : XXXX XXXX Account XXXX Account name : XXXX  XXXX Account XXXX Account name : XXXX XXXX Account XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-13
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. (FL)

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

XXXX XXXX CO XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-09
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. (MI)

I keep asking XXXX, Equifax, XXXX to provide proof of why or how they claim the collection agency is accurate. I keep asking for what they used to investigation the collection agency is accurate. No one can provide the information because it does NOT exist. The collection agency is lying and Manipulating the system. The keep sending a copy of the lease. But fail to abide by the XXXX  district court judgment