davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: MicroBilt / PRBC (formerly CL Verify) (FL)

MicroBilt Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of Inaccurate Addresses, Update of Correct Information, and Security Freeze Dear MicroBilt Corporation, I hope this letter finds you well. I am writing to dispute certain addresses listed on my credit report that do not belong to me. I kindly request that you remove any incorrect addresses and update my credit profile with my actual correct address. 
My correct information is as follows : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please find attached copies of my driver 's license and a recent utility bill as proof of my accurate address. 
In addition to the removal of inaccurate addresses, I request that you place a security freeze on my credit report to protect my personal information from unauthorized access. 
Thank you for your prompt attention to this matter. Please confirm in writing that the necessary changes have been made and that the security freeze has been placed. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY (GA)

After taking the time to review my credit report I realized I have several months of late payments that are incorrect. On XX/XX/XXXX, I paid in full on my XXXX XXXX XXXX. On XX/XX/XXXX I received a letter stating that I had paid off my vehicle, followed by the mailing of my title. 

In XXXX at some time my husband at the time realized that his card was used fraudulently, XXXX XXXX made the action to reverse number of charges on his account to review them. Once I realized this, I called TD Auto Fin to make sure no payments were affected. I was informed on XX/XX/XXXX, that {$1000.00} in total was reversed which I paid that day Transaction ID : XXXX. 

Instead of TD notifying me immediately of the reversal of a bunch of late payments for previous months including XXXX was submitted. In return XXXX XXXX fixed my husband at the times account and I was issued multiple checks because there was a {$1000.00} overage on the account. 

I take my credit very seriously and I am not going to stop contacting TD or the XXXX credit bureaus until the incorrect information is removed. Due to this inaccurate information, I am having issues moving forward with home ownership at a better rate. If this can be done swiftly, I would greatly appreciate it.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

am writing to bring to your attention a concerning issue regarding fraudulent information on my XXXX credit report. The erroneous entry is an address listing at XXXX XXXX XXXX XXXX, XXXX, Florida XXXX, which I have never lived at nor do I have any association with it. 
Upon discovering this incorrect information, I immediately contacted XXXX to dispute the address. XXXX advised me to XXXX Bank of America, the institution that reported this address, to request its removal. I followed their advice and contacted Bank of America on XX/XX/year>, to resolve the matter. However, despite my efforts, Bank of America was unable to assist in removing this fraudulent address from my credit report. 
This erroneous address listing is damaging my creditworthiness and could potentially impact my financial standing. I am concerned about the accuracy of my credit report and seek your intervention to rectify this issue promptly.
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. (FL)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
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. (FL)

I have provided all four pieces of information and expect these listed accounts to be deleted and blocked within four business days of your receipt of this notice ; otherwise, you are in violation of my rights under the FCRA once again! If you do not initiate an investigation regarding my dispute and delete this information within 4 business days of receiving this notice per 15 USC 1681c-2, as is my right under the FCRA, I will have to take legal action to protect my credit rating and myself. Each violation of the FCRA allows for damages of {$1000.00} should this matter be brought to court. 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) essentially states that if a person willfully violates any requirement of the FCRA with respect to a consumer, they are liable to that consumer for any actual damages suffered as a result. If actual damages can not be determined, the consumer can still receive statutory damages ranging from {$100.00} to {$1000.00}. This provision ensures that consumers are protected and have recourse if their rights under the FCRA are willfully violated.
Consumer complaint received 2024-06-18
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)

In accordance with the fair credit reporting act XXXX XXXX acct : 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. it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-06-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO. (TX)

My mortgage is with Chase Bank. 

This is the second time they have caused my home owners insurance to lapse due to late / non-payment of my annual premium from my escrow account which has sufficient funds. 

In the first instance, they showed the payment as deducted from my escrow account, cut a " group check '' to my insurance company, and then canceled the check prior to it being received/cashed by the insurance company. They did not cut a new check and therefor my policy was cancelled for non-payment. I missed the communication from my insurance company and ended up with penalty fees and a higher premium due to a lapse in coverage + a timeframe which my home was not under coverage ( we live in XXXX where hurricanes and natural disasters are not uncommon making this NOT OK EVER ). This took over a month and a minimum XXXX phone calls with Chase and the insurance provider - including XXXX way calls to resolve - time I will never get back... 

Fast forward to this week and I receive a notice from Chase saying my insurance has lapsed and to either send proof of insurance or risk being placed on mortgage backed insurance at and even more astronomical premium than I'm already paying due to their error mentioned before... I also receive a notice from my insurance provider saying the premium was DUE on the XXXX. Well, I check my escrow account and it says they paid on the XXXX. Upon inquiry, they paid by MAILING a check which means of course my premium will not be received by the due date - ensuring late payment and yet again, a lapse in my home owners coverage. 

In both instances, I had to pay my home owner 's premium directly to the insurance company ( via XXXX or ACH ) IN ADDITION to the money I already paid into my escrow account to cover the expense. Luckily I'm in a position to be able to pay it twice and await a refund but most people are not and should not be placed in a position to have a lapse in home owners insurance because CHASE BANK cant seem to process escrow disbursements in a timely and efficient manor.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My accounts was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-06-21
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. (FL)

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-06-18
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)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : EQUIFAX XXXX XXXX date : XX/XX/XXXX, Account name : XXXX XXXX XXXX XXXX date : XX/XX/XXXX, has violated my rights. 

I looked at my Equifax credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And 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 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-06-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (GA)

I have been working with Mohela on my student loans for the past 8 years. I am a public school teacher with 2 consolidated loans ; one for {$13000.00} and another for {$52000.00}. 
I was on an IDR plan for PSLF until 2020 when all payments were paused. With only five years left for PSLF, I was not given an option to continue making payments during 2020 so that they would count towards it. My assumption was that those months would still count but they did not. That information was not posted on their website. I would have been forgiven by now if they had provided the information and given me a choice to continue repaying. I recently called to be placed back in an IDR plan. However, I am also enrolled as a full-time student and was automatically placed again on a " school deferment ''. There is no option online to be placed back into an IDR to make payments again. The only way to do it is by calling and waiting for hours on the phone. It should not be this difficult to be placed on a repayment plan. Students want to make payments towards their student loans but Mohela is restricting their freedom on doing so by having a system that places barriers and makes it more difficult than it should.
Consumer complaint received 2024-06-19
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)

I am filing my report to challenge and scrutinize these accounts that are incorrectly listed on my credit file. Under the Fair Credit Report Act, I am entitled to {$1000.00} per inaccurate report. I understand that FCRA 605B obliges us to report any erroneous accounts on a consumer 's report.
Consumer complaint received 2024-06-18
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. (NY)

I am disputing the following accounts due to their erroneous and negative reporting, which is in direct violation of the Fair Credit Reporting Act. These inaccuracies are adversely affecting my credit report and must be corrected immediately by XXXX, Equifax, and XXXX.
Consumer complaint received 2024-06-21
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. (MD)

PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.
Consumer complaint received 2024-06-18
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. (TX)

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.

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX5 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2024-07-02
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful mis-statements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I demand you to delete fraudulent account now.
Consumer complaint received 2024-07-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CO)

I was told my loans were going info forbearance for the month of XXXX due to changes to the XXXX plan by the Department of Education. 

The document I received stated, among other things, that the interest rate would be set at XXXX  % for the duration of the forbearance and that no payment was required. 

I went to check my loan status and noticed the interest rate was still set at XXXX % and that the loan had been accruing interest since it was placed into forbearance. 

I called MOHELA on Friday XX/XX/year> to resolve the issue. The representative said they could not change it to XXXX  % " at this time ''. They also said that at the end of the month when the loan leaves forbearance, the necessary changes would be made. 

During the forbearance due to COVID, it was clearly stated that the loans were set to 0 % and I could not get a clear answer as to why they could not change it now. I was also told by the rep to check and make sure the interest was taken care of at the end of forbearance " just to be sure ''.
Consumer complaint received 2024-06-18
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. (AL)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been well over 30 days and you are in VIOLATION of this law because I am the victim of identity theft. Please delete these items IMMEDIATELY.

These accounts should not be furnished on my consumer report as they are in VIOLATION. Under, XXXX XXXX Code XXXX Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

XXXX XXXX XXXX {$41000.00} XXXX {$5400.00} Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

INACCURATE PAYMENT REPORTING INFORMATION GIVEN TO CREDIT REPORTING AGENCIES. AS LISTED IN DOCUMENTS. XXXX AND EQUIFAX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS HAS VIOLATED MY FEDERALLY PROTECTED RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 UC 1681 XXXX XXXX, ACCT # XXXX, XXXX, ACCT # XXXX XXXX XXXX # XXXX. 

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 1681s-2 ( A ) ( 1 ) SECTION STATES : A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO ANY CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATIONIS INACCURATE
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.