davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-12
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. (FL)

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. 
These accounts have resulted in several fraudulent charge-offs appearing on my consumer XXXX credit report. I've attached a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.
Consumer complaint received 2024-07-03
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. (NC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-07-03
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)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Incorrect XXXX : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Employer - XXXXXXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXXXXXX Unknown - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX  XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2023-05-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Harley Davidson Financial Services Inc (AL)

On numerous occasions I have called Harley Davidson Finance to get the correct information for the loan that I was joint on back in XXXX. 
On today I called again and decided to take notes. The first call I talked with XXXX or XXXX who was very vague and didnt give me all of the information that I needed. He told me to call XXXX which is suppose to be XXXX XXXX XXXX  a 3rd party collection agency. After trying this number for over 2 months now. This number goes directly to a voicemail. 
I called back Harley Davidson again and talked to XXXX who confirmed that XXXX XXXX number was correct and that it was to the 3rd party creditor. 
The loan was financed in XXXX of XXXX for XXXX. Payments was made thru XX/XX/XXXX. The payments was XXXX monthly. Right now this is showing up as the incorrect balance on my credit report. It shows that I still owe XXXX. From the information given the bank sold It at auction for XXXX. So if I borrowed XXXX and it sold for XXXX and I got credit for XXXX payments from XXXX to XXXX the amount that I would owe is XXXX and some change. But of course this is only correct if I got credit for XXXX in payments made for 3 years and 3 months that I paid on. I have requested via fax and email the amounts and after 2 months I still have yet to get them. I am a firm believer in paying what I owe but the balance remains incorrect without the help or assistance of them to fix the issue for me. I am willing to settle this but it seems I need to go a step futher to settle it.
Consumer complaint received 2024-08-07
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. (FL)

XXXX XXXX Account # : XXXX Opened Date : XX/XX/year> Balance : {$450.00} I urgently need to report an unauthorized account on my credit report discovered during a recent review. This fraudulent entry is seriously obstructing my ability to obtain credit. Under Section 605B of the Fair Credit Reporting Act, I am requesting the immediate removal of this fraudulent account. I do not recognize this account and need it removed without delay.
Consumer complaint received 2015-07-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ)

I have a student loan with NJCLASS, this XXXX loan has no issues and is being paid as agreed. On a separate loan, also with NJCLASS, has been placed in default and sent to a collection agency. The collection agency has been unprofessional and difficult to deal with. They have refused several requests by me of a itemized accounting of the monies paid to them by me. The next thing I recieved was a copy of a motion for judgement filed with the court. Shortly afterwards, I recieved a letter of which I was copied on requesting the court to withdraw their motion. When I attempt to communicate with them they treat me awful and threaten me with various types of actions, yet when I request documents they blatantly refuse to provide me with anything. I no longer feel comfortable sending payments that they can not provide an accounting for. I have contacted the NJCLASS and they have n't been able to provide any assistance regarding this issue. During the initial period of which they claimed to have mail bills and contact me regarding a potential default I lived a multiple addresses while trying to find permanent housing. It 's highly probable that if they did send me notifications I did not recieve them because I was without a permanent address for several months. I still am perplexed that while I maintained payments on the other loan, that they would have not been able to communicate that my other loan was in jeopardy, as I called in and those payments were made by phone.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

On XXXX an account for a credit card from XXXX  XXXX XXXX was opened using my name and social security number. The balance on the card is {$560.00}. I did not open this account and have not banked with XXXX for over 20 years. I live in Idaho and I believe this account was opened in Arizona, were I previously lived. I have contacted the credit bureaus and they are saying that this is my account. I have not opened this account. I would like this to be removed from my credit history. I am trying to refinance my vehicle and I can not with this on my credit report. Please let mr know if you need anything else from me. 
Thank you.
Consumer complaint received 2024-09-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (NC)

I am part of the XXXX XXXX XXXX discharge/dismissal and have spoke to both borrows defense and my loan holder aid advantage and they just keep blaming each other but my loans were to be placed in forbearance until my loans were discharged from being a student of Corinthian colleges group discharge, I went to XXXXXXXX XXXX XXXX XXXXXXXX XXXX  and I have been calling about this for years when I found out the judges ruling in favor of dismissal and so what was told to me is that it was going to be automatic that nothing was needed even if others had applied for borrows defense, this is affecting my credit in so many ways my last three months of schooling was charged illegally I was at school a total of XXXX minutes per week because I didnt have a XXXX  or a XXXX  once my XXXX  closed they told me I had to go to the nearest XXXX  that was building a XXXX XXXX because they currently didnt have a XXXX  program but I never ended seeing a XXXX  XXXX  they lied to me to not sign out out of my loans they lied to me telling me my certifications would cover nationwide, please tell me if I should apply for borrowers defense at this point to speed up my loan dismissal I was just going off what I was told a handful of times over he years and what the documents said on the official student aid.gov website. I have been affected in so many ways by this XXXX  and the few things I listed is just the beginning of how I was a victim of fraud by them.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CT)

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 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

This complaint is in reference to the charge off and collection accounts being reported by the credit reporting agencies to my consumer report. Per the Department of the Treasury Internal Revenue Service Publication 4681 if you owe a debt to someone else and they cancel or forgive that debt for less than its full amount, you are treated for income tax purposes as having income and may have to pay tax on this income. INCOME DOES NOT GET REPORTED to any consumer report ( Per FCRA ). The following companies are being reported as either charge off or collections ( certificates of indebtness/income ) to my credit profile. This action is a violation of 15 USC 1681 ( a ) Definitons ; rules of construction subparagraph ( 2 ) which states Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; 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 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 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 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 2016-04-20
Product: Credit card — 
Issue: Other fee — 
Company: TD BANK US HOLDING COMPANY (TN)

I attempted to pay my bill for my Target Red card online. After 5 days after processing my payment i receive a letter stating that my payment was rejected. I logged onto my Target account and noticed a {$25.00} returned payment fee so I contacted Target customer service. After confirming that my banking information was correct they informed me that they could not refund the fee.
Consumer complaint received 2022-12-21
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: EQUIFAX, INC. (FL)

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. 

Account name XXXX, Account # XXXX, Account name XXXX XXXXXXXX, Account # XXXX, Account Name XXXX XXXXXXXX XXXX Account # XXXX, Account Name XXXX XXXX  XXXX XXXX Account # XXXX, Account Name XXXX XXXX XXXX XXXX Account # XXXX, Account Name XXXX Account # XXXX, Account Name 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 2024-07-24
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: LoanCare, LLC (IL)

XX/XX/XXXX CFPB Complaint XXXX Issue has not been resolved Response to XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I have XXXX XXXX XXXX XXXX dated XX/XX/XXXX and disagree in several areas. 

In XXXX I became aware I was personally responsible for procuring XXXX XXXX XXXX for XXXX XXXX at XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX FL XXXX. I promptly obtained XXXX XXXX XXXX XXXX XX/XX/XXXX. Attached are the XXXX declaration pages for XXXX and XXXX ( XXXX  XXXX ). I had flood insurance in place and uploaded this insurance info to www.mycoverageinfo.com. I have always been in compliance with flood insurance requirements. 

Loancare website shows I currently owe {$1200.00} for XX/XX/XXXX as of today XX/XX/XXXX ( XXXX  XXXX ). I dont agree with their accounting. My XX/XX/XXXX mortgage payment, like every mortgage payment to Loancare since they became the servicer, was made electronically by XXXX XXXX. Attached ( XXXX  XXXX ) is confirmation from XXXX XXXX  that the payment in the amount of {$1200.00} on XX/XX/XXXX. 

I am an accountant and manage my finances with XXXX. Attached ( XXXX  XXXX ) is a report showing every payment I made to Loancare since XX/XX/XXXX. Per my records, my account is current and paid in full through XX/XX/XXXX. Should Loancare take exception to any of the payments shown on the report, please advise and I will obtain documentation from XXXX XXXX  that the payment was made. 

XXXX XXXX advised that Loancare refunded me {$510.00} via a mailed check. My position is I am not due a refund ; I will not cash the check. Please cancel the check and apply it to my account. I ask that Loancare Audit my account to validate all my payments, since XX/XX/XXXX, were applied currently. Ive paid every mortgage payment on time and can prove it with documentation from XXXX XXXX. 

XXXX XXXX also states that We regret to an oversight. I take exception that there was any oversight in this matter. Prior to filing this complaint with the CFPB, I attempted to resolve this matter directly with Loancare Customer Service. I was advised that the Customer Service person could not open a case to investigate this matter. She directed me to email XXXX which I did without any resolution. 

From my viewpoint, Loancare doesnt provide enough training and resources to sufficiently manage the loans, they have a fiduciary reasonability to manage. Loancares inability to resolve this matter in a timely manner, and falsely reporting delinquency to the credit bureaus has damaged both my and my wifes financial reputation.
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: EQUIFAX, INC. (IL)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax and XXXX credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of medical bill from XXXX XXXX opened on XX/XX/XXXX along with 5 hard inquiries, 4 from XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX along with one from XXXX on XX/XX/XXXX. FDCPA laws. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-06-30
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. (FL)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-08-07
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 : XXXXXXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$3400.00} 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.
Consumer complaint received 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I recently reviewed all three of my credit report and noticed an account that was not reporting accurately. I had XXXX late payment on an account that I was in fact paid on time. The consumer reporting agencies, ( XXXX, Equifax, and XXXX ) need to report all information with complete accuracy, the account has not been late on payment. Ive attached a copy of my credit report to this complaint on the following date ( XXXX ) ( XXXX XXXX and or XX/XX/year> ). Im now requesting you investigate this account and update this payment to be paid on time immediately. Thank you for your swift response to this matter and your complete cooperation on this matter.
Consumer complaint received 2024-08-07
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 XXXX XXXX XXXX Account XXXX Date of Charge Off : XX/XX/year> Amount : XXXX 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.