davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-04
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (TX)

I spent the last two hours trying to get my free credit report online. Every time I finish filling out all the information ( and there is a lot ), I get just so far, XXXX and the computer kicks me out and I have to start over. With XXXX, they wna wanted to charge me because they feel they have already given my " fee report. '' I have a XXXX issue that I need to dispute because it is keeping my small business loan from being approved. I do n't owe XXXX money. 
They failed to credit me for XXXX tablets I returned, then penalized me for going to XXXX Total is XXXX USD.
Consumer complaint received 2023-03-17
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. (AL)

In accordance with Fair Credit Act, everything has to be 100 % accurate on my credit report. The credit bureaus said my accounts were properly investigate ; however, there are many inaccuracies such as date opened, number of months ( term ), payment status, and last reported date. This is grounds for removal and they have also violated my rights under 15 U.S. Code 1681. 


Account : XXXX Account # 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 : 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 2016-06-03
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MO)

I want the CFPB to investigate the {$260000.00} mortgage on my house and why it had not been released. 
It was supposed to payoff {$260000.00} to XXXX and XXXX in XXXX but wre both released for the second time in XXXX. 

You have my bank statements Released liens XXXX statements and truth in lending disclosures. 
Ocwen needs to prove I did n't pay this loan or send me a truth in lending and right to cancel on this new loan, old loan, credit cards other properties or whatever it is supposed to be.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

I sent in letters regarding inaccurate and unknown things on my credit report on XX/XX/2023. To this day, almost 60 days later, I have not received a response yet. My information was included in the Equifax Data Breach. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days, so they should be deleted promptly. According to 15 U.S Code 1681s-2, 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. According to the law, a person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IA)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I am writing to formally dispute accounts which has been reported by XXXXXXXX XXXX  and XXXX XXXX XXXX to consumer reporting agencies. This dispute is rooted in the evident violations of the following sections of the Fair Credit Reporting Act ( FCRA ), specifically, 15 USC 1681, 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), 15 USC 1681b ( a ) ( 2 ), and 15 USC 1681e ( b ). The FCRA, under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), expressly defines that a report containing information solely as to transactions or experiences between the consumer and the person making the report is to be excluded from the consumer report. Despite this unequivocal provision, it has come to my attention that the accounts has been reported in my consumer credit report by XXXX XXXX  and XXXX XXXX XXXX. Please view attached documents along with this compliant. Proper Identification is included and attached with this complaint also. I demand a prompt response and notification of the accounts being deleted across all consumer reporting agencies reporting this adverse information.
Consumer complaint received 2023-11-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (GA)

Several months ago I got a new phone number. Shortly after I got a newer cell phone. Since it was new to me I had to log into my apps for the first time on my new phone, including CashApp. When I attempted to log in with my phone number, it logged me into the person 's CashApp account who had my number in the past, a person I did not know. I contacted CashApp to straighten it out. I was shocked at how easy it was for me to sign into the other person 's account through no fault of my own. It took the agent I was chatting with several times for them to understand what had happened. They even addressed me by the other person 's name which added to my frustration. A few days later I was using CashApp and a screen appeared telling me my account was closed for terms of use violations and they wouldn't tell me why it was closed. I have tried several times to reopen my account and I've reached out to cashapp but I believe they are punishing me for making work for them but none of this was my fault. I am literally the victim here and cashapp made it worse. They should open my account for me. I am a small business owner and I rely on cashapp for several customers. Thank you.
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I sent a complaint on XXXX requesting that fraudulent inaccurate accounts be removed from my credit report and i have not yet heard back from anyone regarding the status of deleting them from my report.
Consumer complaint received 2023-11-05
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)

XXXX Account ending in XXXX needs to be deleted. 

I have the right to an accurate credit report. This XXXX Account is all wrong ending in XXXX. 

1 ) Date Of last Activity is all wrong between all 3 bureaus. 
XXXX XXXX XXXX XXXX XXXX XXXX Trans Union XXXX XXXX How can all 3 Credit Bureaus have a Different XXXX, Please Delete This account.

2 ) Closed Date is all wrong between all 3 bureaus. 
Trans Union Closed Date is XXXX However still reported the account was late until XXXX which is a violation. 
XXXX does not show a closed date but shows the account as late until XXXX XXXX XXXX not show a close date as well but shows the account was late until XXXX? 
This is all incorrect and the account needs to be deleted. 

XXXX ) The account was opened by a XXXX XXXX, on some it just says XXXX XXXX. 
This is not me. My name is XXXX XXXX. Delete this discover account ending in XXXX. 

Also my personal information is wrong again, prob due to this account that does not belong to me. This name XXXX XXXX has been deleted several times and keeps reappearing. XXXX XXXX is not my name. My Name is XXXX XXXX. 

* XXXX Account use to end in XXXX for XXXX. XXXX reopened the same account under a different number ending in XXXX without even notifying me within 5 days by law. This is illegal and the new account is also fraudulent. The account is wrong, the information in the account is wrong, the account name is wrong. Delete XXXX account ending in XXXX for it is hurting my credit greatly and holding my family and I from getting new credit and being able to move into a home. 

thank you, I have attached proof my name is XXXX XXXX and not XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-05
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. (TX)

the accounts on the form are fraudulent and I am requesting immediate permanent removal of these account these accounts opened while i was incarcerated in XXXX XXXX XXXX. you can even call the XXXX XXXX sheriffs office to verify and please remove these accounts unless you have proof to not to and if you do have proof i request that you send it to me. documents are attached. 
XXXX XXXX opened on XX/XX/XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX XXXX XXXX opened on XX/XX/XXXX XXXXXXXX XXXX opened on XX/XX/XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX opened on XX/XX/XXXX I REQUEST THESE ACCOUNTS TO BE PERMANETELY REMOVED IMMEDIATLY i have provided substantial proof failure to delete the items i would have to file a lawsuit
Consumer complaint received 2023-11-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (IN)

Received statement on XX/XX/XXXX stating that total due on XX/XX/XXXX was {$260.00}. Received a statement today saying that {$75.00} was due on XXXX XXXX. No payment has been made when I look at nelnet website it says that I owe XXXX and have a {$25.00} late fee.
Consumer complaint received 2023-11-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (NY)

Tried making a payment for a Parent Plus Loan, the payment would say it was processing, then I would check back for the next payment month and it keeps saying I missed a payment. The payments keep getting reversed. I have checked with my bank and there should be no reason the payment gets reversed on their end so it is an issue with loan service. This is now my second time getting a payment reversal which is worrying because I do not want to be put into delinquency for an issue caused by the loan service. I never had any trouble making payments before until my loan service was changed to Edfinancial. I have tried getting in contact with Edfinancial but have gotten no response. I have also become aware that this payment reversal problem is occurring with many other people and do not want to wait any longer trying to make payments that do not go through. 

I made a payment in XXXX and it was reversed the exact same day even when it said at first that it was " processing ''. I tried making another payment again in XXXX, and again it was reversed on the same day without me realizing it becuase it said it was processing.
Consumer complaint received 2023-11-05
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NJ)

The claims that XXXX XXXX has on me aren't valid. They have been charging me for months I was not on the premises. 
Below, see the attached document proof from other organizations that you can not only reach to validate but also confirmation from XXXX XXXX themselves that I left XX/XX/2023. 
They clearly messed out by removing me as a renter, and because of someone's screwup trying to have me pay what I don't owe, I'm not paying because it is not right, especially at these times. 

Flat Rate will show. i left XXXX will show what i rented with a friend, XXXX will show i lost my job during that time, so i had to leave. 
Proof of signed paperwork was something i did with them to get out of the lease break because of my job loss.
Consumer complaint received 2016-09-05
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (KS)

US Bank has bumped up their overdraft charge to an astronomical level. I balanced my checkbook wrong and had XXXX checks bounce. I ended up with charges of {$140.00}. I have a very long history with this bank and have rarely ( maybe once ) bounced a check before. I sent a letter asking for a reduction in the fees and never heard back from them.
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with the credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may NOT treat a payment on a credit card account under an open an consumer credit plan as late for any purpose.
Consumer complaint received 2023-11-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC (FL)

My mortgage company is now using a new fee bucket called " Default fee '' {$84.00}, its applied and then waived and the new fee bucket shows as unapplied for {$50.00} as debits and then credits. I have a complaint pending resolution for this same pattern of fee abuse, now its getting worse. The former fee balance was {$150.00}, it went down to {$86.00} now its up again to {$110.00}. THIS IS RIDICOULOUS, what on earth are these fees, what is a DEFAULT RELATED COST PAYMENT and a DEFAULT RELATED COST WAIVER Buckets... I make my mortgage payments every month < 30day late, the late charges were waived every month and now this is a new fee bucket appearing.

I want the investor/owner of my mortgage to explain to me what Shellpoint Mortgage is doing with my mortgage, Shellpoint is convulenting my payment history with these fee buckets and dollar amounts. I am in the middle of a financial transaction and this issue is causing problems for me when I present my payment history to my bank .... 

I WANT ANSWERS TO WHAT IS GOING ON...
Consumer complaint received 2016-09-13
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (GA)

All XXXX ( XXXX ) bureaus continue to place freezes or alerts on my report without my knowledge or consent. I have asked them to remove the freezes/alerts to no avail - they keep adding them. Under FCRA 605A ( a ) ( 1 ), fraud alerts can only be placed in the credit file at the request of the consumer and Under FCRA 605A ( a ) ( 1 ) ( A ), a fraud alert can be removed simply at the request of the consumer at any time ... 

I have not authorized ANY of the bureaus to place anything on my credit files and the alerts/freezes THEY have place on my files are hindering me from obtaining credit as no one is able to obtain my report.
Consumer complaint received 2023-11-05
Product: Credit 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: DISCOVER BANK (TX)

Purchase a wedding dress from XXXX XXXX XXXX in XX/XX/2023. In XX/XX/2023 when the dress was due to be delivered, we found that the store had a note on their door that they have been shut down due to not paying the rent. We then received an email from, the merchant letting us know to contact the designers warehouse to find our dress. Once I contacted the designer warehouse, I discovered that the money that I had paid XXXX XXXXXXXX never paid that towards the dress. I then had to find another XXXX and pay full price for the dress and have it delivered to them. I had made a payment of {$1400.00} which was never applied towards the balance of the dress. I then had to pay an additional XXXX to re-purchase the dress and veil. I had forwarded both the original receipt from the boutique that closed down as well as the receipt where I had to re-purchase the dress because it was never paid for. I then was able to get an email from the merchant stating that I did make the payment, I did not receive the merchandise and I was due a refund and Discover still saying that it is a valid charge him or not take that charge off of my card. I am basically paying for a charge that I did not receive any merchandise for. This made national news when XXXX XXXX XXXX XXXX affected several Brides for the same issue.
Consumer complaint received 2023-11-05
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (GA)

Dear XXXX XXXX XXXX XXXX DISCOVER, I have recently become aware of a claim being made against ( XXXX XXXX ) by the attached correspondence from DISCOVER. Please provide proof of your Legal and/or Equitable chose in action ( YOUR RIGHT TO HAVE ACERTAIN SUM OF MONEY PAID ON DEBT ) upon seven ( 7 ) days of this notice, as well as the associated chose in action insurance policy/ies. I am also requesting the governing XXXX instrument. Thank you for your prompt consideration and understanding of the agreement in good faith. Sincerely, XXXX XXXX
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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 confidentiality under 15 USC 1681.

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 2023-11-05
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC (GA)

On XX/XX/2023 I sent a dispute request to National Recovery Agency and XXXX XXXX XXXX regarding some inconsistencies with the data they have furnished on my consumer report. According to the consumer report the information is totally inaccurate. I want verification that I owe these alleged accounts. I have never received any documentation granting me the ability to dispute these accounts. According to XXXX XXXX XXXX these corporations are required to promptly provide evidence of any claim against me.A statement with itemized items on it does not prove according to XXXX any debt. The original contract bearing my wet ink signature and not an electronic signature is the only thing I will consider to be proof. That document must list these companies as original creditors otherwise that would indicate fraud if they are trying to collect a debt that is not owed directly to them.
Consumer complaint received 2023-11-05
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. (PA)

I have disputed the attached accounts stating that they are unknown and suspicious. I was never provided with proof that these accounts are mine. There was no investagation completed. The accounts are inaccurately reported and this was explained to each bureau. The accounts were never updated so there is no way there was an investigation that took place. How can a collection account have a balance owed or a past due balance? Since the attached accounts are inaccurate and were never investagated there is no possible way to confirm that these accounts and debt are actually mine because the information is inaccurate. There is way to much fraud and scamming taking place and I need to be able to accuratley confirm the information that is being reported on my credit report because I do not recognize the attached accounts. This is hurting my reputation and these inaccurate accounts need to be removed immediately.