davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2015-12-15
Product: Credit card — 
Issue: Billing disputes — 
Company: Comerica (OH)

Hello I have social security XXXX I 'm a XXXX veteran, social security deals with XXXX XXXX card through comerica bank, money is direct deposited. Money has disappeared from account several times have filed XXXX disputes and have over 12 hours on phone with banks employees. I have several lies on recording they told me I was hacked. I 'm missing over XXXX dollars now on XXXX Friday my account was drained I called and made them aware it was n't me and comerica bank supervisor said I had to wait and let it be stolen then file a dispute. Another employee stated that the manager was to lazy to stop payment. The bank refuses to send me statements from day one. They refuse to allow me to file a dispute. The internet says that comerica bank was hacked and wo n't tell costumers. This is an inside job as every card they issue me is stole from before I even use it. They have put XXXX dollars back on my card and want me to go away. I want a full investigation into my account and the bank they are responsible for my money being stolen and refuse to help me. This is grand larceny and committed over several states so FBI matter also, I live in Ohio card was used all over united states on XXXX Friday. While on the phone with company my money was stolen. If I close account and switch banks I will never recover money they will only talk to costumers. Help me please.
Consumer complaint received 2015-12-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (OH)

I monitor my credit report using XXXX XXXX. While checking the collections section of my report on XXXX XXXX, I discovered a collection agency was incorrectly reporting on my credit file. I filed a dispute to have the collection removed with Equifax in XXXX 2015. The investigation was completed in XXXX 2015. The company was removed but I never received any documentation from Equifax confirming the date of removal. I only realized that it was no longer reporting on my XXXX XXXX account. 

In the same month the company re-appeared on my report in XXXX XXXX as an unpaid collection to Equifax only. I thought maybe it was an error and would be corrected on it 's own. The account was still showing on my report in XXXX 2015 so contacted the collection agency. They told me to dispute the collection again with Equifax because they did n't have any record of my file in their system to remove. I contacted Equifax to dispute the file and the customer service representative never submitted my dispute request. 

In XXXX I realized the company was still falsely reporting on my credit so I decided to contact a lawyer to pursue legal action. Once my lawyer spoke with the collector, they removed themselves from my credit report & backdated the date of removal. My lawyer informed them that we were requesting monetary compensation for the damage done to my credit and the denials I received for XXXX credit applications I submitted. Their legal department requested that I provide a copy of my credit report as proof that they were reporting incorrectly after XXXX 2015. 

I contacted Equifax & requested a copy of the dispute report I filed in XXXX. They said they had no record of my dispute request ( although you can see that an inquiry was pulled by Equifax on their website for the day that I called to submit the dispute ). I asked if a manager would be willing to pull the call so they could hear that I requested a dispute be submitted, but Equifax refused & said all they can do is send me the original dispute results from XXXX 2015. The original dispute report says nothing about me submitted a dispute against the company nor does it show the date when the collection had been removed. 

The Equifax representative stated that Equifax does n't have a way to see when a collector contacts them to have their account removed from any credit file. I know this is false because I have received previous showing confirmation that a collection was removed my from report. I believe that Equifax is removing collectors from credit reports & backdating the report date to help the collector avoid lawsuits. This hypothesis is based on the other thousands of complaints submitted by others with similar experiences with Equifax. I 'd like to find out who I can report my complaint to regarding my concerns with Equifax & if they are able to help me obtain the documentation needed to continue my legal pursuit with this collector.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2017-06-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CO)

On   XXXX   XXXX   , 2017, I at tempted to pay o ff one of my two cons olidated loans serviced by  Navient. Navient  's web site makes it impossible to designate my payment to  one of m  y two lo ans. It automatically selects a loan and I want to pay off the other  one.  As a result, I have to mail my payment. Mailing increases the interest I will have to pay to  Navient  because I can not pay it off immediately and Navient will charge me interest during the delay. In addition, it is nearly impossible to obtain information on their web site regarding pay off methods. Indeed, there is no option in the payment section to pay off a loan. It is clear that they want to make it very difficult to pay off a loan early in order to discourage pay offs.  <P/> This is the second issue I have had with Navient - several years ago they changed my payment amount, which would have extended my repayment duration, without authorization or notice - until the new payment amount was deducted automatically.  <P/>  Navient  is not borrower-friendly and this is a detriment because these are student loans, which are effectively required to attend college or graduate school and lenders and servicers can not be chosen as they can for mortgage or other lenders.
Consumer complaint received 2024-10-01
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)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment within Grace Period : The reported XXXX late payment is inaccurate because my records show that the payment was made on time, well within the creditors XXXX grace period. Therefore, reporting a XXXX late payment is incorrect. 
Clerical Error : Upon review of my account, I identified a clerical error where a payment was incorrectly applied to a different due date, causing the late payment report. Documentation from my financial institution shows the payment was processed on time. 
Evidence Provided : I have attached bank statements and transaction records confirming the timely payments, which prove that no late payment occurred. Additionally, the creditor failed to notify me of any delinquency, which is a required step before reporting a late payment. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my XXXX XXXX and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-12-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I have items on my credit report that do not belong to me, as I am a victim of identity theft. I submitted my police report and FTC report along with my letter multiple times to Equifax and although most of the accounts were removed, the XXXX XXXX XXXX XXXX account was not blocked at all and only came back as " verified ''. This account does NOT belong to me and I have been disputing this account for months now! They are violating my rights under section 605B of the FCRA. If they DID block this account and re-inserted it, they did so without my knowledge and never informed me that this account was re-inserted ; by law they must notify me within 5 business days of the re-insertion. Neither of these things happened. My next letter to this company will be an Intent to Sue.
Consumer complaint received 2015-05-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION (DE)

ON XXXX XXXX 2015, A VERIFIED NOTICE TENDER OF PAYMENT & LAWFUL TENDER OF PAYMENT WAS ISSUED TO M & T BANK IN RESPONSE TO REQUEST FOR PAYOFF OF MORTGAGE OBLIGATION, ALONG WITH TENDER OF PAYMENT FOR SAID OBLIGATION. ( SEE ATTACHED ) XXXX XXXX, XXXX, NY XXXX # XXXX. 
ON XXXX XXXX M & T, ( ATTACHED ) NOTICED ME THAT THERE WAS AN OUTSTANDING BALANCE, DESPITE RECEIVNG AND ACCEPTING MY TENDER OF PAYMENT pursuant to Law
Consumer complaint received 2015-05-27
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (IL)

XXXX, the credit reporting and credit monitoring company, processed fraudulent reoccurring charges to my PayPal credit card for their credit monitoring services for XXXX identities that did not match my credit card information. Although XXXX agreed to refund the charges, as a credit monitoring company would you think they should more closely monitor the actions of their own customers - both myself and the other identities? This makes me wonder if the XXXX identities that were attempted and successfully charged on my credit card were targets of another party trying to capture data about the identities on the fraudulent credit monitoring subscriptions?
Consumer complaint received 2024-10-01
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. (AR)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX  - XXXX - XX/XX/XXXX - XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - XXXX XXXX  - XXXX - XX/XX/XXXX - XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-08-30
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. (IL)

I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number XXXX XXXX  which is enclosed with this correspondence.
Consumer complaint received 2024-10-01
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)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian XXXX a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment within Grace Period : The reported XXXX late payment is inaccurate because my records show that the payment was made on time, well within the creditors XXXX grace period. Therefore, reporting a XXXX late payment is incorrect. 
Clerical Error : Upon review of my account, I identified a clerical error where a payment was incorrectly applied to a different due date, causing the late payment report. Documentation from my financial institution shows the payment was processed on time. 
Evidence Provided : I have attached bank statements and transaction records confirming the timely payments, which prove that no late payment occurred. Additionally, the creditor failed to notify me of any delinquency, which is a required step before reporting a late payment. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my XXXX XXXX and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-01
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. (NH)

XXXX student loans that I took out in XXXX and XXXX were paid off by XXXX. They have reappeared on my credit report in XXXX or XXXX with a different servicer the amount reported is the amount of the original distribution. My original loan servicer was XXXX and there is a KNOWN issue with loans they serviced between XXXX with MY EXACT PROBLEM. I can't get the credit bureaus to take the XXXX loans that are being reported as a debt of almost {$20000.00} that I DONT OWE. I have sent every document I can get my hands on to no avail. The department of education lists the XXXX loans with a ZERO balanace. The loans were reported as defaulted so they were managed by the debt resolution group or something. Somehow that particular department has zerod out my account but I cant get it off my credit report. 

From the consent agreement XXXX  ( now conduent ) : -Respondent XXXX conducted business as XXXX XXXX XXXX XXXX 

-From at least XXXX until at least XXXX, however, certain adjustments had to be processed manually by a trained loan processor. Not all XXXX  processors were trained to make manual adjustments. 

-In the interim, Affected Loans remained unadjusted with potentially incorrect principal balances. 

-Eventually, over XXXX packets of Affected Loans were in the queues for adjustment. 

-*******Respondent was also aware that unadjusted Affected Loans that were transferred to other servicers from XXXX to XXXX might have had incorrect balances, but Respondent did not inform the Affected Borrowers or the relevant servicers. *******
Consumer complaint received 2015-05-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (NC)

I sent an email XXXX/XXXX/XXXX to my XXXX lien servicing company, Green Tree Mortgage Servicing, and have n't heard anything about assistance. My XXXX lien was refinanced with XXXX prior to XXXX purchasing them, then Green Tree Servicing received the MSR. XXXX is still the investor of record for the XXXX lien. I believe the appraisal value obtained by XXXX at the refi time was fraudulently elevated to allow the loan officer to approve my loan. Due to XXXX being one of the Hardest Hit states in the economic down turn my LTV is extremely upside down. I 've had to move to XXXX to obtain work after a layoff in XXXX XXXX. I was out of work at a full-time job for 1 year. I believe the Treasury has outlined modification programs for XXXX liens that would assist me. I 've taken a $ XXXX annual salary cut and have the home rented out for {$250.00} less a month than the mortgage payments. I 'm trying to be pro-active now that I 'm employed again. I have n't missed any payments on the XXXX or XXXX thankfully. At this rate, without assistance, I 'll have to let the home go. It seems like the mortgage companies do n't want to do anything to help a person unless they actually become delinquent and ruin their credit. The XXXX is reviewing documents to attempt assistance but they already posted a HARP to my loan in XX/XX/XXXX that lowered my payment. The XXXX lien is at 7 %. Thanks
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am disputing the reappearance of the following item on my Transition and, XXXX credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX ], which was removed on [ XXXX XXXX XXXX  ]. This reinsertion violates the Fair Credit Reporting Act ( FCRA ) in the following ways : Section 611 ( a ) ( 1 ) ( A ) requires a timely investigation of disputes ; Section 611 ( a ) ( 1 ) ( B ) mandates the removal of inaccurate or unverifiable information ; Section 611 ( a ) ( 5 ) ( B ) requires notification within five business days for reinsertion. The item has reappeared without proper validation or notification. I request its immediate deletion, and I am seeking assistance from the CFPB to resolve this matter.