davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NJ)

I am writing to formally dispute the re-insertion of accounts on my credit report that were previously disputed and deleted. The account have been reinserted without the proper notification or communication as required under the Fair Credit Reporting Act ( FCRA ), specifically, 15 U.S.C. 1681i ( a ) ( 6 ), which mandates that a consumer reporting agency must notify me when an item is reinserted into my credit report. 
Furthermore, I believe this action may violate my rights under 15 U.S.C. 1681b, which requires that consumer reporting agencies follow reasonable procedures to ensure maximum possible accuracy. For your reference, I have attached a partial copy of my credit report showing the erroneous account that has been reinserted. I kindly request that the CFPB investigate this matter to ensure compliance with these regulations and to uphold my rights as a consumer. I appreciate your attention to this issue and look forward to your prompt response.
Consumer complaint received 2024-09-18
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)

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 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. I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists DEPT OF ED/XXXX XXXX Balance. {$5700.00} DEPT OF ED/XXXX XXXX balance. {$5500.00} DEPT OF ED/XXXX XXXX balance. {$5700.00}
Consumer complaint received 2023-11-03
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. (NC)

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 party. 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 2023-11-03
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: EQUIFAX, INC. (FL)

I did not authorize any of these inquiries, delete it XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TD BANK US HOLDING COMPANY (VA)

XXXX occurred in XX/XX/XXXX. The previous month and the month after showing {$0.00} balances. But XX/XX/XXXX showing 30 days behind in payment. When I speak to Billing in XXXX they also say it is odd that it is just August 30 days behind and not paid in full, until XXXX? 

Then in XX/XX/XXXX again it shows Target, I paid the previous month in full. XXXX showing a {$0.00} balance, I asked billing when was the payment made? He could not tell me the exact date in XXXX? Huh? But it was for the full amount due? He stated I pay my entire balance, but it does show they dropped my credit limit from {$15000.00} to {$300.00}. Why? He did not know why? But I asked to speak with a supervisor. I did not care about my credit limit, but I did care about the passed due amount as we were still in XXXX and they were showing a {$0.00} amount due in XXXX, and 30 days pass due for XXXX? He could not explain it. He got a three way with two supervisors and they could not explain it. Said they would contact all 3 Credit Bureaus right away. I have been trying to get it removed ever since. Calling both Target who state they have contacted the Credit Bureaus and it is the Credit Bureaus who are not removing the negative report. Not Target. I have sent in a Dispute every month ever since. 

I find it strange both negative reports are in the month of XXXX. I refuse to use both cards now. I stopped using both cards. Or I pay the credit card bill as soon as I have shopped at Target prior to receiving the statement. If I didnt know better I would say someone works at the credit Bureau who knows me and is able to mess with my credit and make my payments late. Knows I have caught on and knows I am making payments prior to the due dates and can not change my payments. This is just cruel and I know it is illegal. 

Any investigation you can do I would be grateful. 

Regards, XXXX XXXX XXXX
Consumer complaint received 2023-09-20
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 refilling formal complaint to EXPERIAN for taking no actions on correcting and removing the fraudulent accounts that are still reflecting on my credit report and continue to damage my reputation. I sent out dispute letters to them so many times but until this time no further action I been taken. I have attached my FTC report with the report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.
Consumer complaint received 2023-09-20
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. (MD)

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 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 2023-11-03
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. (MA)

XXXX XXXX  Account Number -- XXXX -- Opened -- XX/XX/XXXX I never had late payments XXXX -- Account Number -- XXXX -- Opened -- XX/XX/XXXX I never had late payments XXXX XXXX XXXX XXXX Account Number -- XXXX -- Opened -- XX/XX/XXXX This is not accurate.please remove this inaccuracy from my report. 

XXXX  -- Account Number -- XXXX -- Opened -- XX/XX/XXXX Is not mine, please remove. 

XXXX -- Account Number -- XXXX -- Opened -- XX/XX/XXXX Is not mine, please remove. 

XXXX XXXX -- Account Number -- Account Number -- XXXX -- Opened -- XX/XX/XXXX This account has incorrect information. 

inquiries, these inquiries were not authorize, please remove. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect. 
XXXX XXXX
Consumer complaint received 2023-09-20
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. (PA)

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 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 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 2023-11-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PNC Bank N.A. (NC)

My mortgage payment adjusted in XXXX of this year to account for taxes and escrow, and the documentation received stated that if my account automatically debits that I did not have to make any changes, so I did not. I was prepared for the adjusted amount to be debited from my account in XXXX based on this, and make no changes to my account. When the XXXX mortgage was drawn, it did not debit the updated amount, it debited the original amount and after that I received a letter from PNC stating that failure to meet the full payment in the future would be met with fees. Confused as I followed the provided instructions I called PNC and was told that the account does NOT update based on the form I completed and that I would have to manually update the payment - so I did as instructed and adjusted the amount to reflect the new payment amount despite the language used that stated I did NOT have to make any updates. 

My XXXX payment was just drawn, and the payment amount was updated to the new amount as well as the adjusted amount I was told I had to do manually. I called PNC again and was then told that not only did I have to adjust the amount, I also had to go back in and remove the additional adjusted amount I added. None of this was explained to me during my initial call to investigate why the wrong amount was debited. 

The language used throughout this entire process is intentionally vague and misleading, and representatives of PNC provide you with contradicting information. What is defined as an automated debit versus XXXX, and why is that not made extremely clear on all documentation provided to customers including information on payments being adjusted for taxes and escrow. I believe PNC does this as a predatory practice to draw additional fees from unsuspecting customers or customers who do not understand the intentionally misleading language used.
Consumer complaint received 2023-09-20
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: EQUIFAX, INC. (NY)

PLEASE INVESTIGATE THESE ACCOUNTS AND THE ACCOUNTS IS NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-20
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. (LA)

I Disputed an unknown XXXX XXXX XXXX account on TRANSUNION months ago. I believed it had been removed, but XXXX XXXX still shows this fraudulent unknown account. I didn't receive any loan or credit from this company on the date this account was opened. And showed be past 7 years.
Consumer complaint received 2023-09-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Affirm Holdings, Inc (CA)

I had paid the majority of my Affirm.com loan when my income was suddenly reduced by a lot ( I am living on {$1000.00} a month ). I contacted them to try to obtain a reduced payment plan, but they said they do not offer this. They said to go ahead and schedule a payment, even though I did not have the money to pay it. Since then I have been making smaller payments when I can. However, today I received a noticed the loan has been charged off and reported. This is incredibly upsetting because Ive tried my best to make payments and they offered no support. Now my credit will have a negative mark, making it even harder for me financially.
Consumer complaint received 2023-11-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: MUTUAL OF OMAHA MORTGAGE, LLC (FL)

We obtained a mortgage on our newly built home in XXXX. XXXX XXXX XXXX XXXX sent us a statement for XXXX for {$800.00} ( partial undeveloped land at that time ), Mutual of Omaha assessed us at {$9000.00} and insisted we pay it. They eventually sent us an overpayment refund check of {$8000.00}. In XX/XX/XXXX, I called to explain that XXXX XXXX sent another tax assessment bill based on market value and, again, it was {$4900.00}, but Mutual of Omaha demanded we pay their estimate of {$9000.00}, but said they would " fix it '', because it was so much more than the XXXX XXXX XXXX Collector 's assessment. Nothing was ever done! 
We just received the tax statement from XXXX XXXX XXXX Collector for {$5000.00}, which also indicated they were sending a copy of the tax statement to Mutual of Omaha. Once again I called and spoke to an agent XXXX XXXXXXXX XXXX who agreed with me that the {$9000.00} they were charging us was almost double the actual tax bill. I asked for a supervisor and was transferred to a static filled line and could not get another human being on the phone. I stated my name and number several times and asked for a return call to resolve this issue, but no one ever called me back.

I am beyond frustrated that Mutual of Omaha is unable to resolve this obvious mistake on their part, even though they keep giving me lip service that they should and will resolve this ongoing issue.
Consumer complaint received 2023-09-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc. (OH)

AidVantage took over my Public Service Loan forgiveness account that had been fully discharged with an effective date of XXXX. My loans were forgiven because they met the criteria for the PSLF Waiver. My account was still awaiting a long-requested refund from the now defunct XXXX XXXX for a XX/XX/XXXX payment of {$280.00} due to the Covid-19 Suspension rules for PSLF. These rules state that PSLF accounts are allowed to be refunded payments made during suspension and that these months of non-payment during suspension will still qualify for forgiveness. AidVantage issued the refund of {$280.00} and then placed this amount into loan re-payment status where they are now wanting to collect the {$280.00} with added interest. 

I tried to discuss this issue with AidVantage and was told they do not handle PSLF, that it is up to XXXX. However, XXXX has no record because AidVantage took my account from XXXX after it had been discharged. AidVantage is not acting in good faith. They knowingly took a discharged PSLF account and issued an outstanding refund only to try and collect money. Since AidVantage took my account from XXXX I had requested that they provide all customer service correspondence from XXXX which would prove I asked XXXX multiple times to refund my XX/XX/XXXX payment before my loans were forgiven in XXXX. AidVantage only provide me with accounting spreadsheets showing payments and balances. I am not able to contact XXXX because they no longer exist. I have filed a complaint with Federal Student Aid as well. 

AidVantage is acting nefarious in pushing to collect this erroneous debt of {$280.00} from me. I do not owe this money and was rightfully refunded it. I followed the rules and requirements provided to me by the Department of Education and my student loan servicer. XXXX and XXXXidVantages inability to properly review, transfer, and process student loan accounts including discharges and refunds, is not the fault of this consumer. I request that the CFPB contact all involved companies so that they may remove this erroneously re-reinstated debt of {$280.00} and change my loans back to fully discharged due to the PSLF Waiver.
Consumer complaint received 2023-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (OH)

I tried cashing personal check with chase bank from my grandfather XXXX XXXX XXXX  we can't stop payment on his end because they already processed payment. Even though bank has spoken to him on multiple different phone lines they can't verify him? wont let us come in with an id for verification so we have called both numerous times for it is a large lump some of cash we need that back!!! {$25000.00} we have tried giving them his banks number and everything.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

I have a checking and savings account with Chase Bank. On XX/XX/2023. I notice fictitious actions which was money moved around in my checking account. That I did not do. I immediately transferred the money I had to my sons account which we share. I went into the bank and withdrew the monies out of the accounts. 
After doing so I called Chase Bank to stop action on my ATM card. As I was speaking with them they ask me did I file any clams. 3 were with my XXXX XXXX XXXX payments and 1 was my car payment. I said no. So they reversed the claims back into my account. When speaking with XXXX XXXX XXXX they said that when they went to retrieve the payment back into the account it was declined. I called Chase back to discuss this and, they said, that when I went into the bank to get my money that I had taken the money that they put back into my account for the claim. I explained. That I took my money out of my checking account before I even contacted them and, canceled the claims that some one else had made. I was speaking to a supervisor at the time. I had been going back and forth and back and forth and they kept insisting that I took the money. I explained that whoever made the clams took that money. It was not me. Not only did someone steel from me my own bank stole from me as well. When I needed their help and they instead kept accusing me. Ive been with Chase for over XXXX yrs. The amount that lost was {$1100.00}. I have been going through a lot of pain and suffering behind them not believing me. Because of this my XXXX XXXX XXXX  bill was thrown into a 15 day notice. I cant ever use my debit card to pay my XXXX XXXX XXXX bill again nor my car payment. I have to find payment centers.
Consumer complaint received 2023-09-20
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ovation Financial Services, LLC (TX)

I, XXXX XXXX, am writing this to whom it may concern, that I was diligently contacting my loan officer once a week letting her know what was going on with the Texas Homeowners Assistance Association and she never once said anything to me about making payments arrangements to pay my property back taxes or informed me of the incoming foreclosure I have coming up this Monday, XX/XX/. My loan officer works for Ovation Services and I have tried to contact her multiple times to inform her that I need more time so the company Texas Homeowners Assistance can help lend and assist in paying half of the owed property taxes so my home can not be foreclosed. I am fighting against the back taxes that I owe to this property tax lending company and have been cooperating with Texas Homeowners Assistance so they can help pay some of the back taxes off so my home will not be foreclosed. The issue is Ovation Services is not accepting an extended amount of time for the federal grant to be approved for the full amount of my owed back taxes in the amount of {$47000.00}. Federal grants typically take a process to be approved and fully paid out and all I am asking is for extended time so I can pay off my foreclosure debt. I am in true need of extended time so that my property tax assistance company can pay off my back taxes and my house will not be foreclosed.
Consumer complaint received 2023-11-03
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: CITIBANK, N.A. (WI)

They, Citibank ( " XXXX '' ) Sears Card Shop Your Way Mastercard, refuse to stop reporting me as late in payments, as of XX/XX/2023, when they broke our original payment agreement of XXXX payments @ {$300.00}. They consistently state they are not servicing the account, nor are they supplying false/defamatory/negative information about my payments to them that they are accusing me of being late with, as of XX/XX/2023. They have sold this account to 3 different 3rd party collectors. Those people say they do not report me to the credit reporting companies. Citibank says they're not reporting me either, yet they accuse me, verbally, of being late by going by their procedures to cancel a monthly payment in letters they sent me, and now have the audacity to turn around and report me as late. I never was notified prior to XXXX XXXX I was " late '' in a communication from their 3rd 3rd party collector, which I am going to pay off the remaining balance tomorrow, XXXX, XXXX ; in the amount of {$570.00}. Citi claims I never made an agreement w/them to make XXXX pymnts. @ $ XXXX.