davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Zenith Financial Network Inc (CO)

Referring back to Claim ID XXXX XXXXXXXX, the company how has switched the number it was using ( XXXX ) to XXXX And how is calling me every day not leaving a message. Is this concerned harassment? 

Here is a copy of the last complaint " Second time in the past two weeks. I received a call from the following phone XXXX XXXXXXXX leaving a voice message from ZFN and Associates, XXXX XXXX, In the message I needed to return a call to the following phone number XXXX XXXX XXXX. The person I spoke with, referenced a XXXX XXXX XXXXXXXX, XXXX for {$500.00} + and stated that they had been sending me e-mail notices, I told the individual that, E-mailing me notices of past due bills is not the way to collect funds, and if they could send me a paper copy of all information that I would either send this information to the FTC due to my SSN has been hacked during that time frame and is still being watched by the FTC. The first time this same individual said that he was going to forward this call to the supervisor and I was transferred to a voice messaging system. The second time I stated that I wanted to speak to the super and this time put on hold for more than 5minutes. Outside of this conversation, I remember this situation and remember contacting XXXX XXXX XXXXXXXX and they told me on the phone back in XXXX that I have not or do not have an account with them. ''
Consumer complaint received 2023-11-08
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: FIRST UNITED BANK AND TRUST COMPANY (TX)

With previous complaints, I have just became aware that I am being reported as XXXX to 120 days late on my mortgage, as far back as XXXX but I have proof showing payment for some of the alleged missing month up until XXXX, when my payment was declined due to the type of card i was using then rejected for not being enough. Also due to the missing XXXX escrow money it was made known on their record line that until the missing money was returned I would not pay the month they lost it and I just missed XXXX because the said last time I tried to pay in XXXX that they would not accept my monthly amount, only full amount past due
Consumer complaint received 2017-11-27
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: Experian Information Solutions Inc. (WI)

I have recently pulled my Experian and XXXX credit reports and noticed accounts that have been investigated and deleted by another credit bureau are still being reported by Experian. Attached to this letter is proof that these accounts were deleted. Please follow suit and delete the accounts for accurate reporting. They must be deleted in order to show my true credit history. 

The Fair Credit Reporting Act, 15 U.S.C. 1681, I EXPECT YOU TO COMPLETE THE REMOVAL WITHIN 30 DAYS. 

XXXX has removed all the accounts listed below XX/XX/XXXX Reference # XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Reference # XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Reference # XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX  Reference # XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Reference # XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (HI)

On XX/XX/2023, I received a letter from my loan servicer, MOHELA, via USPS, regarding forgiveness of my loan ( s ) in full ( see attached ). The letter states that the entire balance of my loan ( s ) have been forgiven in full. It also states, on page two of the letter, that MOHELA has or will " by the end of the month '' notify " all national credit bureaus of [ the ] student loan forgiveness ''. However, MOHELA did NOT notify the credit bureaus of the forgiveness by the end of that month, and my account balance and account status continue to show the full balance due and an active and open account. On XX/XX/XXXX, I submitted a dispute with the credit bureaus, and provided the information sent to me by MOHELA, including a copy of the letter I received, referenced here. The credit bureaus investigated and contacted MOHELA. The credit bureaus investigation reported that MOHELA affirmed to them that the information MOHELA was reporting to them regarding my loan account balance and account status was accurate and correct, when in fact, it is not - per their own letter to me and the account balance showing currently on the MOHELA account system. I then contacted MOHELA directly. MOHELA representatives told me via a phone conversation on XX/XX/XXXX that although my loan has been forgiven, in full, and the account balance IS XXXX, that reporting that information to the national credit bureaus would take up to XXXX  days. I pointed out that the response contradicts the information in the letter promising that they would report the change to the credit bureaus " by the end of the month ''. I was then told that MOHELA would not be " expediting '' any reporting, and again was told that it could be up to XXXX  days, which would be by the beginning of XXXX. It is no well past the beginning of XXXX ( past the XXXX  days ), and MOHELA continues to report inaccurate information on my credit report to all major credit bureaus, showing an active loan account with a full balance.
Consumer complaint received 2023-11-08
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: Climb Credit Inc. (VA)

The company keeps saying that they emailing back and forward with me through an email which is no loger in use by me. They keep telling me to login in some sort of website to get information regarding some course or class and I told them that I have not access to anything. The issue has being under investigation for more than a year and they have done nothing about this matter. I have emails where they promise to get back with me and promise to send the promissory note and they are refusing to do it.
Consumer complaint received 2017-11-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NAVY FEDERAL CREDIT UNION (CA)

On or around XX/XX/XXXX, NAVY FEDERAL CREDIT UNION violated Title 38, Section 5301 ( a ) ( 1 ) Veterans Benefits and/or 31 CFR 212.6 - Rules and procedures to protect benefits that is governed by the Americans with Disability Act and/or the Veterans Disability Protection Act of XXXX by willfully and negligently allowed a third party agency to garnish over {$65000.00} from my bank account without allowing me to officially dispute the transaction. I request to re-open an investigation with amendment to add additional violations of the Americans with Disability Act and/or the Veterans Disability Protection Act of XXXX.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: PRIMARY RESIDENTIAL MORTGAGE (CO)

Through purchasing my home and mortgage, the company has not taken XXXX payment through the closing fee but said I would get a link provided to process that payment. I have asked multiple times to process payment. My mortgage lady was like " XXXX XXXX XXXX XXXX myself on it I'll send it again '' but that link hasn't gone through, no call no communications. I processed a payment through the mortgage website. To receive a report from XXXX XXXX on my account being Delinquent Account for over 90 days. First of all, I moved to my home on XX/XX/XXXX. My XXXX payment was supposed to be on XX/XX/XXXX, but my account that is with the mortgage company kept stating XXXX, which I paid on XX/XX/10. Turned out that that didn't go in as XXXX payment but XXXX and me still missing my XXXX payment, which is paid now but 37 days late, but not over XXXX, including that my mortgage people left me XXXX they did not do their due diligence for me as a client. The communication has not been clear, it has been disorganized & mismanaged. Here is all the evidence that it is impossible that I failed to pay over 90 days and that my credit score went from XXXX to a fair. I would like to get my credit score fixed to what it was as I have been working extremely hard to keep it intact through many years.
Consumer complaint received 2019-05-07
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. (CA)

My complaint is against Equifax credit bureau. I submitted a dispute regarding a fraudulent account from XXXX XXXX XXXX account # XXXX, date open : XXXX with {$0.00} balance. I already filed a police report which Im sending in this complaint and also an FTC ( federal trade comission ) report. XXXX XXXX already sent out information to credit bureaus to delete this account. The other 2 bureaus already removed the fraudulent information from my reports only Equifax is still reflecting the mentioned account. The FACRA requires you to block the fraudulent information from my credit report resulting from identity theft within 4 business days and to promptly notify the business that sent you that information. I want the mentioned account to be remove from my Equifax report as soon as possible due to the fact that it is a fraudulent account.
Consumer complaint received 2023-11-08
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. (NJ)

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b XXXX Account name : XXXX & XXXX XXXX, # XXXX Account name : 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-11-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I have encountered a dispute with Portfolio Recovery Associates regarding an account with the following details : Account Number : [ Account Number ] Account Type : Debt Buyer Date Opened : [ Date Opened ] Collection Account : $ [ Collection Amount ] Original Balance : $ [ Original Balance ] On [ Date ], I noticed inaccurate information on my credit report, specifically related to the account listed above. The reported information does not align with my records, and I have reason to believe it is not in compliance with the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ). 

Despite my attempts to address this issue, no satisfactory resolution has been reached. I have taken the following actions : On [ Date ], I contacted Portfolio Recovery Associates via [ communication method ] to dispute the inaccuracies in the reported information. 

I provided documentation to support my dispute, including [ mention any supporting documents ]. 

I am seeking a prompt and accurate resolution to this matter in accordance with the FCRA. The accuracy of my credit report is of utmost importance to me, and I am prepared to take further steps as necessary to address this dispute. 

Please let me know how this issue can be resolved at your earliest convenience.
Consumer complaint received 2017-11-27
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I just received yesterday 2 separate letters from XXXX credit reporting agency. I am uploading the letters. XXXX states they will not re-investigate an account that is reporting on my credit report that does not belong on my report. I have submitted numerous disputes about this creditor. XXXX credit reporting agency finally has deleted this account off my credit report I dont know why XXXX and transunion are not removing it but I am frustrated at the fact XXXX sends me these 2 letters with 2 different report numbers. It is my right to dispute any information that does not belong on my credit report that is incorrect.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

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 8
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (OH)

I am still having trouble with removing the fraud from my report my whole complete identity was changed address name spelling telephone numbers and accounts where added from my caregiver stealing from me while sick and insurance fraud from the rental company XXXX XXXX XXXX, I have video proof that the apartment was cleaned I paid a service to clean i have video proof that the apartment was in good condition and a letter in the form of affidavit that the carpet was 5 years old when i moved in because the original apartment was infested with roaches in the back. and I have recourse for all the information I have listed. 
XXXX XXXX XXXX  has two fraud accounts and they won't remove them I have provided them and Citibank with police report number about my case and proof of affidavits which I have copies of no response or reply. I talked to XXXX XXXX  to they disregarded my information due to frivolous reasons that I filed out the form incorrectly I will list the police report and the affidavit I sent them below. that they couldn't find the account when I put the account numbers that were sent and told to me by their agent. However they want me to resubmit the documents and they had to update the information only by mail I need these issues resolved because I didn't destroy the unit at XXXX XXXX i have video evidence and they have also filled mutilple account charges from their company and another company XXXX XXXX XXXX for XXXX on a bond that i never hade knowledge of they take your signature and sign it manually in the back office not aware of any contract with the original creditor I reported to the XXXX XXXX XXXX XXXX that they have made fraud reports on insurance claims because i have evidence no repsonse from XXXX XXXX XXXX nor its affiliates they are operating in shady business practices.
Consumer complaint received 2024-09-25
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. (CA)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Please remove these account ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-25
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: Experian Information Solutions Inc. (FL)

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX Account Number : XXXX Date of Charge Off : XXXX Amount : {$1000.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (CA)

I tried to transferred {$100000.00} from my Citibank online account linked to my checking account to another Citibank online account linked to my saving account using the Citibank XXXX XXXX on XX/XX/XXXX. My transfer didnt go through ( I press the transfer button and then it went to the home pages or something, i thought it was some bugs so I repeated the transfer process again and try to transfer another {$100000.00} or {$90000.00} and still didnt work ) and I didnt receive any messages from my phone neither from the email. Then after a few days on XX/XX/XXXX, XXXX cant log in my online account linked to the checking account, and it shows a red box of text telling me Hmmlooks like were having some technical issues right now. Please try again later. And I tried later another box showed Our system is experiencing temporary delays. Please try again later. I called the phone number of Citibank online banking support and they told me that my account was lock due to fraud protection or something and their specialist is reviewing the account please wait 24hrs to 48hrs and they will call back. I did wait for over 48hrs and received no phone calls or messages. And then I called them many times for XXXX weeks that their tech department and fraud prevention department couldn't fix the problem, and each time they either said someone was reviewing the case and I had to wait 24 to 48 hours to fix the problem, or they transferred the line and another representative given me another number to call which at the end transfer me to their technical department or fraud prevention department again ( and repeated the same process. ) and waited for over 48 hours didnt fixed the problem and no response given back. Last week, I went to one of the Citibank branch to ask the bank staff and they could not do anything about it but ask me to call the phone number again. And today I was told by the Citibank staff that my checking account is being closed and they will send a check to my address. I will need to wait 30-60 days to receive the check. This is ridiculous that they just closed my account without telling me anything about it neither why it got closed nor informed me about the closed of the account through messages or email.