davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Premier Mortgage Resources, LLC (FL)

On XX/XX/XXXX I contacted Premier Mortgage Resources regarding 3 withdraws they withdrew from my checking account in the month of XXXX for our mortgage payment. Our mortgage is setup for two monthly withdraws to make the payment and in order to be a part of their bi-monthly payment program, we had to pay one month 's payment in advance. The three withdraws taken from our account by
Premier Mortgage were on XX/XX/XXXX {$1100.00}, XX/XX/XXXX {$1100.00}, and again on XX/XX/XXXX {$1100.00}. 

I spoke with XXXX and she wanted to know what the reason was that I needed them to refund us back our money. She also stated I had to upload my bank statements after she could already see the three withdraws were made on her end. She told me I needed to call the company back after they received documentation, it would be reviewed and could take 10-12 business days for a check to be MAILED for a refund. I work hard for my money and the economy is awful. I can't afford any extra payments then what is due for my monthly mortgage. Sending the company proof after they can clearly see it on their end is just a delay in holding onto my money that I need returned.
Consumer complaint received 2024-06-05
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (FL)

I noticed some unauthorized inquiries on my credit report that I would like to remove. I called the TD bank and provided my SSN to have them research any accounts I have had and the supervisor stated that I dont owe anything to that bank at all.
Consumer complaint received 2023-09-04
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. (NV)

In accordance with the Fair Credit Report act. XXXX Acct : # XXXX and XXXX  XXXX XXXX Acct : # XXXX  and XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX ) Acct : XXXX and XXXX XXXX ( Original Creditor : XXXX  ) Acct : # XXXX and Personal Information XXXX XXXX XXXX XXXX XXXX AZ XXXX and XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX. ( 15 U.S.C 1681 section 602 A. States i have the right to privacy. ) 15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am making this claim because, my credit report shows a credit card that is not mine and it does not even have my name or any information about me.But it is there affecting my credit score, I made a claim to XXXX, and results were that the card is mine.Then I called the bank who own the account and they say they cant find anything about me or the account.I need help please
Consumer complaint received 2024-07-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (ID)

I have repeatedly called and officially requested a XXXX  payment statement of my student loans to Mohela. Each time they tell me 2-3 weeks via mail though nothing ever arrives and when I call back they say there is nothing on my account saying I requested the statement. Because of this I havent been able to get payment reimbursed from my employer. 

On XX/XX/year> I called Mohela to change my repayment plan from SAVE to Ext Fixed Repayment Plan. The customer service rep put me through the application process and I was approved. On XX/XX/year> I received a letter from Mohela saying my acct was being put in administrative forbearance. On XX/XX/year> I received another letter about administrative forbearance ending in 45 days. I did not ask for any forbearance. On XX/XX/year> I received a letter stating my new payment plan and that I am again in the SAVE program. I applied for and was approved to be in the Ext Fixed Plan. Obviously this is not being done. 

Please assist me in these matters.
Consumer complaint received 2024-07-03
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NJ)

I had asked for the card to be cancelled in XX/XX/year> - The card was not cancelled. 
Then I was charged an annual fee in XX/XX/year>. I mentioned that I had requested closing the card and requested a refund. I was refused. I paid the annual fee amount. Then I asked for closing the account. That didn't happen. I accidentally charged {$13.00} to the card on an online food delivery app from an old saved setup. Now I am being charged {$37.00} fee for the {$13.00} buy. Total my current fees are {$50.00} and my credit score has fallen by XXXX points. 

Proof of all of this is attached. 

Thanks in advance!
Consumer complaint received 2024-06-27
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX INQUIRIES : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX :
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

XXXX has listed late payments of 30 days from XX/XX/XXXX to XX/XX/XXXX which is incorrect. Payments were made within XXXX allotment and are not subject to late payment reporting to the credit bureaus. Also repossession listed as XX/XX/XXXX and XX/XX/XXXX are also incorrect. Car was in my possession and account was current at that time. Past due balance had been paid.
Consumer complaint received 2024-06-27
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. (GA)

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 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2024-07-02
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

I needed to cancel a cruise and airfare for medical reasons and I had purchased travel insurance. On XX/XX/year>, I thought the number I was calling was XXXX XXXX XXXX to cancel my cruise and airfare. I didnt realize I was not talking to XXXX when I called XXXX and spoke with XXXX XXXX XXXX who represented himself as a XXXX XXXX XXXX XXXXXXXX. I had travel insurance through XXXX XXXX XXXX and XXXX told by XXXX that because it was so close to sailing time our trip insurance had expired and that there was an {$1100.00} fee each for us to cancel. I thought it was outrageous but I put {$2200.00} on my Capital One card. When XXXX XXXX requested a photograph of my credit card, I became suspicious and concerned. I then checked to make sure the {$2200.00} payment was going to XXXX and when I checked my credit card online, saw that the payment was going to XXXX XXXX XXXX and not XXXX. I had never heard of XXXX XXXX XXXX and when I XXXX  it, found out it had a very shady reputation. This is when I called Capital One to cancel my Capital One credit card. Then, finding the legitimate XXXX number, I was able to cancel our cruise, contrary to the erroneous information given by XXXX XXXX, our trip insurance was honored. I had no more contact with XXXX XXXX or XXXX XXXX XXXX. The last contact I had with XXXX XXXX was when he asked me to provide him with a valid government ID with a clear address on it. I sent all documentation to Capital One to dispute the {$2200.00} charge and Capital One denied the claim.
Consumer complaint received 2024-07-02
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-07-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (SD)

On XX/XX/year> I called to request a paid off in full letter and to receive a refund for a negative balance of - {$37.00} on my XXXX # XXXX, they said it takes 90 days to generate, I called back at the end of XXXX/Beginning of XXXX as that would be XXXX days and the lady on the phone this time said we see that this request was never even processed, we will get that processed right away and can take another XXXX days. I call back today XX/XX/year> to see if they have still processed that request and said its still processing. It should not take this long to get a paid in full letter or a refund.
Consumer complaint received 2024-06-25
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. (TX)

Formal Complaint Regarding Failure to Process Reinvestigation Request Dear Sir/Madam, I am writing to formally lodge a complaint against Equifax for their failure to process my reinvestigation request in a timely manner, which has resulted in the violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, I submitted a reinvestigation request to Equifax regarding inaccuracies on my credit report. Despite my efforts to resolve this matter, I have not received a response or any updates on the status of my request. The timeline of my actions and lack of response from Equifax is as follows : XXXX. XX/XX/XXXX : I sent my initial reinvestigation request via certified mail, including all necessary documentation to support my claim. 
XXXX. XX/XX/XXXX : Having received no response, I sent a follow-up letter to Equifax, again via certified mail, reiterating my request for a reinvestigation and expressing my concerns about the lack of communication. 
XXXX. XX/XX/XXXX : With still no response, I attempted to contact Equifax by phone. I was unable to reach a representative and left a detailed voicemail requesting a status update. 
XXXX. XX/XX/XXXX : I sent a final written request via certified mail, demanding immediate action on my reinvestigation request and warning of my intention to file a complaint with the Consumer Financial Protection Bureau if no action was taken. 

As of today 's date, XX/XX/XXXX, I have not received any response or update from Equifax. This lack of action has severely impacted my ability to secure credit and has caused significant stress and inconvenience. 

The Fair Credit Reporting Act mandates that credit reporting agencies must investigate disputes within 30 days of receipt. The failure of Equifax to process my request within this legally required timeframe is a clear violation of my rights as a consumer.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
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: Experian Information Solutions Inc. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$XXXX} XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-29
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. (NC)

I've been a victim of identity theft due to the XXXX XXXX breach, and I've discovered fraudlent accounts linked to my profile.XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1900.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-06-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-06-28
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. (OK)

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 2024-06-28
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)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

Recently, I did an investigation on my credit report which caused XX/XX/XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-06-25
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. (MI)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am filing a complaint regarding fraudulent activity on my credit report. After researching, I found that I need to file an identity theft report with the Federal Trade Commission ( FTC ) at XXXX : XXXX. According to FCRA Section 605B, Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Attached are the documents to assist in removing the erroneous personal information and inquiries posted to my report. The items opened without my permission are listed below : XXXX : XXXX MOUNTAIN XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX ( Original creditor : SXXXX XXXX XXXX XXXX ) XXXX Balance : {$630.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$3400.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX. ) XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$590.00} XXXX XXXX XXXX Balance : {$3400.00} XXXX : XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, CA XXXX, XXXX XXXX XXXX : {$210.00} XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX  ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$630.00} XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$3400.00} XXXXXXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$590.00}. Under FCRA Section 605B ( a ), Credit Reporting Agencies must remove any items identified as resulting from identity theft within four business days of receiving the report.
Consumer complaint received 2024-06-26
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. (PA)

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am exercising my right to challenge questionable information that I have found on my consumer report. EQUIFAX IS IN VIOLATION OF THE FCRA BY REPORTING INQUIRIES ON MY CONSUMER REPORT WITHOUT MY CONSENT. I DO NOT CONSENT, AUTOHRIZE, NOR BENEFIT FROM THE REPORTED INQUIRIES IN MY CONSUMER REPORT. I DEMAND ALL INQUIRIES BE DELETED IMMEDIATELY. EQUIFAX BLATANTLY DISREGARDED MY LAST REQUEST TO DELETE THESE INQUIRIES. I WILL NOT LET UP UNTIL THESE INQURIES GET DELETED. 

Delete : XXXX ) XXXX XX/XX/XXXX, XXXX ) XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-06-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.