davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-09
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. (GA)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it. Dispute letters were sent out.
Consumer complaint received 2024-06-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (OH)

I have been paying my student loans faithfully and paid them all during the XXXX XXXX forbearance. I did not realize that the payments were not requiered. When I learned that I could get a refund for the amount that I paid, I contacted my student loan service provider on XX/XX/year> and requested a refund. I was under the impression that the ball was rolling. Unfortunately I did all of my business on the phone. 

Earlier in the year, I had applied for XXXX XXXX XXXX XXXX, which I have since been granted. 

My loan servicer is telling me that because I consolidated my loans for forgiveness, I was ineligible for the XXXX XXXX. I did make the XXXX refund request prior to the deadline. 

Now they are telling me that there is nothing that can be done about the XXXX XXXX.
Consumer complaint received 2023-06-01
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. (TX)

In accordance with the Fair Credit Repprting act. The List of accounts below has violated my tederally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 1681 c. ( 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 2024-06-20
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. (GA)

NOTICE - Gramm Leach Bliley Act NON-COMPLIANCE REPORTING THIS IS NOT a request for verification or validation of debt. This is a NOTICE & DEMAND to EQUIFAX that the listed institutions ATTACHED have not conformed and are currently reporting in non-compliance with the following Gramm Leach Bliley Act statute ( s ) : Sec. 6802 - Obligations with respect to disclosures of personal information ( a ) ( b ) ( c ) ( d ) Sec. 6803 - Disclosure of institution privacy policy ( a ) ( b ) For the record, I, XXXX XXXX, HAVE NEVER received an INITIAL OR ANNUAL PRIVACY POLICY NOTICE from any of the ATTACHED reporting institutions as required by the GLBA statute ( XXXX ) above, nor have I been given a chance to opt-out from my personal information from being shared w/ XXXX parties. Why does EQUIFAX allow these non-compliant institutions to report on my credit profile and put my privacy at risk? 

Until compliance with Sec. XXXX of the GLBA can be substantiated, I DEMAND that EQUIFAX PERMANENTLY XXXX the following non-compliant ATTACHED account ( XXXX ) within 3 days and forward to me a FULL updated credit report with these deletions to the address above
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have never been so furious that my complaint has been continuously ignored. I kept trying to reach out to the company and every time, they never fail to disappoint me. This inaccuracy in my credit report has taken me off of my privilege to apply for many things. It has negatively affected my score and I'm sure no one would be happy about that.
Consumer complaint received 2016-03-31
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Flagstone Financial Services, Inc. (OH)

Mortgage Company ( FLAGSTAR ), We were engaged in the selling/short sell that change to a foreclosure without any apparent reason? We were not allowed to email and information and kept having to re-fax the same information over and over, until they stated it was too late? They always said " they never received the information and gave us numerous fax numbers. We sent the short sell contract to them, address changes ( divorce ) and kept showing and maintaining the property all the while. Next thing, we find a foreclosure notice, locks were changed on the home ( with furniture still inside ). The recovery company ( new locks ), kept sending the keys to some other address, then we got a Sheriff 's Sale notice. We 're not able to get our furniture and now, this is preventing me and my new wife from getting a loan. This was during a low point in my life ( divorce ) and I just did think anything could be done. Although, by the grace of XXXX our current mortgage told us about you and that I may be able to get some sort of justice. I am just trying to fix my credit and life. Please, let me know what can be done. I want it removed totally, if at all possible. 
XXXX Bless and thank you, so much in advance for whatever you can help us with. 
XXXX XXXX XXXX
Consumer complaint received 2024-06-20
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. (NJ)

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX Trans Union XXXX XXXX XXXX XXXX XXXX XXXX ), you may be liable for your willful non-compliance.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I looked at my XXXX, Experian and XXXX credit report on XX/XX/2024 and notice some things that are incomplete and not accurate. First thing first the account in question is with XXXX XXXX XXXX  the account number on XXXX is XXXX, the account number on Experian is XXXX and XXXX is XXXX. As you can see the account numbers are not the same on all three of the credit reports. Another inaccuracy on this XXXX XXXX XXXX notice is the fact that the credit limit on XXXX is XXXX but the credit limit on Experian and XXXX is {$500.00} dollars. This does not match up on all three reports .Another inaccuracy is the fact that the date of last activity for the XXXX XXXX XXXX account does not match up on all three accounts. The date of last activity on XXXX is XX/XX/2024, on Experian is XX/XX/2024 and on XXXX its XX/XX/2024. All three dont match another violation. according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 [ e ] [ b ]. And according to 15 USC 1681i5 they are suppose to do this [ 5 ] Treatment of inaccurate or unverifiable information [ A ] in general, after any reinvestigation under paragraph [ 1 ] of any information disputed.
Consumer complaint received 2024-06-20
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. (OH)

XXXX refuses to report my on time payments to the credit bureau despite my reaffirming account debt during a XXXX  XXXX bankruptcy. They never reported in the 3 years that I have been paying my mortgage. They're sabotaging my credit score. They tried to charge me bogus and unfair charges in the past, so I wouldn't have chosen XXXX. However, they bought my FHA mortgage from XXXXXXXX XXXX XXXX Please help me. They said that it's not their policy to report to credit bureaus. I think they are discriminating against me, and probably others with FHA mortgages. I also have OhFA second mortgage.
Consumer complaint received 2024-06-19
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 (MI)

Hello, in XXXX of XXXX there was fraud done on 3 of my capital one cards. I was a victim of fraud last year in XXXX. purchases was made on all three of my capital one credit cards. i called capital one and they never reached back out about the update on yhe investigation. They just closed all three of my capital one credit crads, so I thought I did not have to deal with them anymore, even though i eas sad i could not use or have my credit cards anymore and i was with them for years. Fast forward I noticed even though they closed my accounts and I could jot lof back into credit card accounts that they was reporting late charges on my credit files with all three credit bureaus. which affected me drastically, i called capital one and they said they could not do anything even though the fraud in fact did happen on account. Now I cant purchase home or do anything because of my credit files. Please help get these capital ones off my credit.
Consumer complaint received 2024-06-09
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)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2019-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

This is in regards to my XXXX XXXX XXXX finance loan. Currently my credit reports this loan as a charge off. I have contacted all 3 credit bureaus and XXXX XXXX to resolve this issue. The matter has not been satisfactorily resolved. The car loan agreement was for 72 months to finance the amount of {$12000.00} starting on XX/XX/XXXX. The car was involved in a car accident on XX/XX/XXXX and the insurance company, XXXX XXXX, deemed the car as a total loss. I continued to make monthly payments on the loan and I paid the lienholder, XXXX XXXX, in full XX/XX/XXXX, which is well within the terms of the contract. I have attached a couple documents from XXXX XXXX to support my claim.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The following collections are reporting a debt on for a collection that is inaccurate : XXXX XXXXXXXX XXXX {$110.00} and XXXX XXXXXXXX XXXX XXXX.These following accounts have 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 an account without my written instructions 15 U.S.C1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2019-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (HI)

First of all, I never applied for any accounts with XXXX XXXX XXXX, XXXX XXXX XXXX therefore I have no knowledge about this company. Can you please just remove this information off my credit report so that I may go on with my life. Thank you.
Consumer complaint received 2024-06-19
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. (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. 
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 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 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MI)

Yesterday, I requested my annual credit reports from the XXXX major credit reporting agencies online. I successfully received my free annual credit reports from XXXX and XXXX. When I followed the same exact process to claim my report from Equifax my computer screen went XXXX and then a message displayed saying that my Equifax credit report had been received which was not true. I have had previous problems receiving my Equifax annual credit report and have had to file complaints in the past due to these ongoing Equifax problems with my specific free annual credit report. This year I have requested my free annual credit reports more than four times both by phone and online. I finally received two of three of my free annual credit reports yesterday after months of trying by phone at the appropriate free annual credit report phone number.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2024-06-08
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. (NV)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NV XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXXXXXX Balance : {$2700.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX : {$590.00XXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-06-08
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: Experian Information Solutions Inc. (PA)

I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.
Consumer complaint received 2019-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (IL)

A QUICKPAY FOR RENT WAS MADE THROUGH CHASE BANK ON XX/XX/2019 TO ANOTHER CHASE ACCOUNT. THE RECIPIENT RECEIVED AN EMAIL FROM CHASE BANK CONFIRMING HE HAD RECEIVED THE AMOUNT OF {$1100.00} ON THIS DAY AT EMAIL ADDRESS XXXX. 3 DAYS PASSED AND NO MONEY WAS DEPOSITED INTO HIS ACCOUNT, ALTHOUGH IT WAS WITHDRAWN FROM MY ACCOUNT. WENT TO THIS CHASE BRANCH IN XXXX XXXX, IL AND MANAGER INFORMED US AT FIRST THAT EMAIL WAS TEH SAME BUT HAD GONE TO A DIFFERENT ACCOUNT NUMBER THAT DID NOT MATCH THE RECIPIENTS. THIS IS A MAJOR SECURITY BREACH. THEY WERE UNABLE TO CANCEL THE PAYMENT AS THEY COULD NOT TRACE/TRACK THE PAYMENT. HOW DOES A REPUTABLE BANK LOSE MONEY AND IS UNABLE TO TRACK AND SECURE PAYMENT AND CLIENT INFORMATION. A CLAIM WAS OPENED ON XX/XX/2019 AND I WAS INFORMED I WOULD RECEIVE A REFUND FOR THE XXXX WITHIN 12 HOURS. REFUND WAS NOT RECEIVED UNTIL ONE WEEK AFTER, 7 DAYS AFTER. TODAY, ON XX/XX/2019 A WITHDRAWAL FROM MY ACCOUNT WAS DONE FOR THE SAME AMOUNT WITH A NOTE OF CLAIM REVERSAL. WENT TO THE SAME BRANCH AND WAS INFORMED BY THE CSR THERE THAT THEY WERE UNABLE TO TRACK THE MONEY SO CLAIM WAS CLOSED AND UNFOUNDED AND THAT MONEY WAS NOT SECURED SO IT WAS WITHDRAWN FROM MY ACCOUNT SINCE THE BANK COULD NOT FIND THE MONEY. THIS NEEDS TO BE RESOLVED. IT CLAMS TO BE AN FDIC INSURED BANK AND CAN NOT RESOLVE OR SECURE CLIENT INFORMATION. THIS IS A MAJOR SECURITY BREACH AND WILL FORWARD TO THE MEDIA AND ALL OUTLETS NECESSARY TO RESOLVE AND BRING ATTENTION TO THIS MATTER. WHETHER IT IS XXXX DOLLAR OR XXXX XXXX, IT IS MY HARDWORKING MONEY THAT CHASE LOST DUE TO A BREACH AS THEY SAY AND WILL NOT RETURN.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

I recently did an investigation on my credit report which caused severe XXXX upon me. I discovered unverifiable, invalidated, inaccurate and questionable items on my credit profile ; and Experian didn't ensure these accounts were reporting 100 % correct. Experian has continued to show no regard for and disrespect for the law. 

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. 

Experian stated that the XXXX accounts ( XXXX : XXXX XXXX : XXXX ) were properly investigated and came back as verified ; however this is clearly not true when their are several inaccuracies showing on my report! 

As a consumer, I would like to know all the steps this agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- description of reinvestigation procedure.