davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC. (OH)

I have made numerous requests all with the same reply - " I will send the request to the appropriate department. '' - but all having the same result. The result has been the payments have gone to an unapplied area where the financial institution is able to make gains 2 fold - gains on the money intended to go the the principle as well as additional interest on the account. Knowing that this is happening to me I know I can not be the only person this needs a major correction given this is now the 3rd complaint that I have filed. 

Each week I place {$50.00} and have called SPS to inform them of this. There are notes on the account but no reactions to requests. Since the last complaint a payment of {$50.00} was sent XX/XX/XXXX and another {$150.00} on XX/XX/XXXX and full payment of {$680.00} on XX/XX/XXXX and {$50.00} on XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. I contacted them today and spoke with a representative by the name of XXXX. on a recorded line and again asked that the payments be posted properly and any interest be credited back on the account.
Consumer complaint received 2023-09-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (CA)

I can't log into my new online account on EdFinancial. I can log into my old account, but not the new one. EdFinancial has a new system. I got an email saying my new account is ready. I logged in correctly and it's still not letting me in. I correctly put my password and username. It's says I'm not in the system. Other people have this problem. I have contacted EdFinancial but they have not reply to my emails or calls. I even used their chat line and they completely ignored me. How am I suppose to pay my loans if I can't even log in to my account? I need this fix now. I want access to my account.
Consumer complaint received 2023-09-17
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. (FL)

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ; I filed disputes due to me being a victim of XXXX XXXX and identity theft with Equifax and they are refusing to take my proof of being a victim of XXXX  XXXX. This is shocking because from the dates of XX/XX/XXXX until XX/XX/XXXX the documentation that I had to submit every time I filed a dispute was considered valid and proved I was victim and now all of sudden Equifax is saying that my documentation proves nothing. They are simply refusing to remove any adverse action that resulted because of me being a victim of both XXXX. I have attached proof that they accepted the documentation last on XX/XX/XXXX and I have attached where they are now saying those documents aren't good enough. Which it is absolutely insane that I have to submit XXXX XXXX  documentation every time I file a dispute instead of like with XXXX and XXXX, this information is already on file and they already are able to see I'm victim by pulling up my information. It's sickening that this company is now putting me through this and refusing to remove items my attackers used my information to get.
Consumer complaint received 2023-09-16
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. (VA)

There is incorrect information in my credit report regarding a bankruptcy filing. I submitted a complaint in XX/XX/2022, yet the information remains. Additionally, I have disputed an address that appeared on my credit report that is not mine. I live at XXXX XXXX XXXX XXXX XXXXXXXX VA. The incorrect address that's being reported of XXXX XXXX XXXX in XXXX, MD is not my address and any account linked to that address should be removed. I have been patient in waiting for the credit bureau to take the appropriate actions, I have requested that they provide proof of how they obtained this information, however, they have failed to honor my requests and instead are refusing to provide the information I have requested. This has been an ongoing, back, and forth regarding this entry and the associated address. If I was financially capable, I would hire an attorney to sue the credit bureau, but unfortunately I am not in a position to do that so once again, I am relying on XXXX to enforce the laws concerning credit reporting requirements and move to take action against the credit bureau for reporting false/inaccurate information of which has caused me significant harm resulting from credit denials and higher than normal interest rates.
Consumer complaint received 2023-10-21
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)

I checked my credit report and found out that I am a victim of identity theft. I am worried that these accounts weren't opened by me. This is hurting me because I am trying to get a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2023-09-17
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. (LA)

I have made several attempts to resolve the inaccurate information that is on my credit report. Each time then results is stated as verified correct. How is the information verified correct if I received a letter from the financial institution with the correct information on the letter and have sent the letter to the credit bureau several times. I would like to know how is the information being verified? Im in the process of purchasing a house and this inaccurate information causes higher interest. I just want my credit updated correctly
Consumer complaint received 2023-09-16
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. (TX)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. Experian is governed by 15 USC 1681, and they violated my rights a number of times. I demand the accounts listed below be deleted because According to the 15 USC 1681 : I have the right to privacy and I did not give XXXX  written permission to furnish these accounts. 
Accounts/Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

Upon inspection of my credit report, I noticed the following information is incorrect : Address - Any other addresses are undeliverable, and I have no access to them. Please remove these incorrect addresses immediately. 

Attached is the supporting documentation to validate my dispute. Please update your records promptly.
Consumer complaint received 2023-09-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

To Whom It May Concern : I am recent victim of identity theft. Please remove these fraudulent items for the final time because of identity theft. I have recently reviewed an extensive copy of my credit report included dark web alert ( s ) with the intention of trying to improve my credit and take care of my responsibilities and noticed an account that I wanted a little more explanation on, XXXX XXXX, and it need 's to be deleted/removed from my credit report. PLEASE PERMANENTLY BLOCK & DELETEM IMMEDIATELY! I also recieved an alert on my experian account that a recent account has been opened with my social security number at XXXX XXXX XXXXXXXX, The claim # is : ( XXXX ) that does not belong to me. Please help. 

THESE ACCOUNT LISTED BELOW IS NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

FTC REPORT # : THE POLICE REPORT # : XXXX I DEMAND THIS ACCOUNT LISTED BELOW HAS TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY!. XXXX does not belong to me. Delete & BLock immediately! 


Collection Account : XXXX  ( CREDIT CARD ACCOUNT ) Account Number : XXXX delete it from my credit report. 
Date Opened : XX/XX/2022 Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PNC Bank N.A. (OH)

In accordance with the Fair Credit Reporting Act this creditors ( PNC ) Account number XXXX, ( XXXX ) acc ending XXXX, ( XXXX XXXX XXXX  ) acc ending XXXX has violated my Rights. Under Act 15 U.S.C 1681 section 602 says " 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 ''. Under 15 U.S.C 1666 B. '' A creditor may not treat a payment on a credit card account an under an open and consumer credit plan as late for any purpose ''. Thus shall be updated immediately according to ordinance stated above, Thank You
Consumer complaint received 2023-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO Bank, N.A. (WI)

I deposited my IRS tax refund check into my BMO Harris account at the XXXX XXXX XXXX  location branch. My account was first frozen once I activated my debit card. After a couple days they completely froze my account. How can anyone make a phony tax refund check? I even showed proof with another IRS letter verifying the tax refund check amount. They still say it's suspicious of being fraudulent. Now I have no money and, on the verge of being homeless because of BMO 's mistake! Only response I get is call the fraud team. The fraud team is useless!
Consumer complaint received 2024-08-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Subject : Dispute of Inaccurate Credit Report Information Credit Report Account Number : XXXX Creditor : XXXX XXXX XXXX XXXX Dear CFPB I am writing to formally dispute the inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), which gives me the right to dispute information I believe to be inaccurate or incomplete. 

The account in question is from XXXX XXXX XXXX XXXX, a collections company, with which I have no contractual relationship. Specifically, the details are as follows : Account Number : XXXX Balance : {$XXXX} Date Opened : XX/XX/year> Payment Status : Seriously past due/ Assigned to attorney, collection agency, or credit XXXX 's internal collection department Last Reported : XX/XX/year> Dispute Basis : No Contractual Relationship : Under 15 U.S. Code 1692e of the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to report accurate information and must not use any false, deceptive, or misleading representations. I do not have any contractual agreement with XXXX XXXX XXXX XXXX, which invalidates the reporting of this debt on my credit report.

Inaccurate Reporting of Debt : The FCRA mandates that all information on a consumer 's credit report must be accurate and verifiable. Since there is no contract or agreement between myself and XXXX XXXX XXXX XXXX, the accuracy of this reported debt is in question. Additionally, the absence of payment history and the derogatory information reported without adequate evidence further v

iolates the FCRA. Potential Violation of Consumer Rights : The continued reporting of this account as derogatory, without proper verification and in the absence of a valid c ontract, may constitute a violation of my consumer rights under the FCRA. Additionally, the failure to provide complete information about the payment history and the terms of the alleged debt raises concerns about the legality of this reporting. Request for Resolution : I request that [ Credit Bureau Name ] conduct a thorough investigation into this matter. If you are unable to verify the accuracy and legality of this information, I demand that this collections account be removed from my credit report immediately. Please notify me of the outcome of your investigation within the 30-day period as required by the FCRA. If the in vestigation reveals that the information is inaccurate, I request that the account be removed from my credit report and that I be provided with an updated copy of my report. Thank you for your prompt attention to this matter. If further information or documentation is required, please do not hesitate to contact me. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-09-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (HI)

I had just payed rent XXXX first and had {$24.00} in my checking account. I got a fee for collecting a debt and they would have overdrawn my account if I had not already disabled overdraft payments. They charge {$100.00} fee. I closed my account, they should not have charged me at all as I had only {$24.00} and none of it would have ever gone to the debt collector. I was a former XXXX XXXX customer whose bank was acquired by US Bank. Do not use or trust US Bank.
Consumer complaint received 2023-09-13
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. (FL)

Equifax, Please see attached - I was a victim of identity theft and have included a letter, the Federal Trade Commission Identity Theft Report, as well as my ID. 

I expect these 3 unauthorized hard credit inquiries removed immediately. 

This is proper documentation to do so.
Consumer complaint received 2023-09-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: M&T BANK CORPORATION (NJ)

I purchase a car for XXXX 3 months later i was in a 5 car accident and the insurance totaled the car then turned around and told me my car is only worth XXXX i said theres no way my car is worth that that banks wouldnt even finance the car for XXXX if it was only worth XXXX i told them no i will not accept i will take my car back and get it fixed they wouldnt allow that or allow me to see my car. While i was in the hospital they called my house and told my mother that they felt bad and they would give me XXXX for the car my mom said oh ok i dont know anything about this this is not my vehicle this is my sons car. I took the loan under my name only no co signers and i was the only one on my insurance plan.then m & t bank calls me up and tells me i owe them XXXX and there turning my auto loan into a personal loan and i told them no thats not happing i paid my insurance from when i was XXXX XXXX XXXX until the day of the accident in 2016 over 15 years they the insurance needed to pay it. They told me to bad thats what happing i waited for the new bill statement to come in so i can fight it with the insurance they never sent me anything and no way to pay it. I been fighting the insurance and m & t bank for 6 years and now when i told gieco i was the only one on my policy and the only one on my car he suggested i get a attorney and hung up on me and im to the point they ruined my credit and im living on the streets .cant get a apartment cant get a decent job all because of this .everything is well documented and the outcome of all this is a XXXX XXXX XXXX and XXXX XXXX XXXX. In the meantime its all a right off for them they dont care about my well being
Consumer complaint received 2023-09-17
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)

In accordance with FRCA, XXXX XXXX  XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2, also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX  XXXX Account # XXXX I demand the above fore mentioned account be removed immediately. I have read from FTC XXXX CFPB if by chance consumer finds mistakes on their credit report, they have the rights to make every possible legal way to make these reports accurate. With that, being said, the above account should CLOSED. I also understand you have 30 days to complete this investigation. The original loan was paid in full on XXXX XX/XX/2023 and the accurate notation should reflect CLOSED ; not OPEN in the Account Condition, and PAID IN FULL, in the Remarks field. XXXX should reflect in the XXXX XXXX days field. I demand these inaccuracies to be removed and updated immediately.
Consumer complaint received 2024-09-17
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. (IL)

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. I looked at my XXXX credit report on XX/XX/year> 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 generallf, after any reinvestigation under paragraph ( 1 ) 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 and 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 2023-09-13
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: M&T BANK CORPORATION (SC)

I started a custodian savings account for my granddaughter On XX/XX/XXXX From peoples Bank there was {$460.00} in the account M & T Bank took over XXXX Bank and I received no statement till XX/XX/XXXX The balance in the account was {$410.00} which they were taking {$7.00} out each month for a service charge on a custodian account which they were not supposed to. I have called the XXXX number between XXXX and XXXX times. Getting absolutely nowhere. Talked to a supervisor XXXX XXXX XXXX weeks ago and she was supposed to return my call the following Monday six Mondays have gone by and I still havent gotten a call back. I have called the bank once a week for the past several months. The account should have {$470.00} in it and after XXXX phone calls they did reimburse three or four months which brought it up to {$430.00} they still need to Reimburse the account for five more months of service charges. I would appreciate your attention in this matter. 
I have copies of pass book and statements I wasnt able to attach.
Consumer complaint received 2024-09-17
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)

Dear Experian and CFPB, I am writing to formally dispute multiple discrepancies on my credit report that involve unverified, outdated, and misleading information. The inaccuracies in my report have significant implications for my credit health and overall quality of life, and I urge you to address these issues promptly. 

The following details are particularly concerning : **Experian Account # : XXXX - **Account Type : ** Revolving - XXXX XXXX XXXX XXXX* XXXX - **Account Status : ** Open - **Monthly Payment : ** {$280.00} - **Date Opened : ** XX/XX/XXXX - **Balance : ** {$9700.00} - **Credit Limit : ** {$9000.00} - **Past Due : ** {$790.00} - **Payment Status : ** Late 60 Days - **Last Reported : ** XX/XX/XXXX - **Date Last Active : ** XX/XX/XXXX - **Date of Last Payment : ** XX/XX/XXXX Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. The inaccuracies present in my report violate this statute and have resulted in detrimental effects on my ability to secure credit, housing, and other essential services.

Furthermore, 15 U.S.C. 1681i provides me with the right to dispute incomplete or inaccurate information and obligates you to investigate the validity of the information being reported. The misrepresentation of my credit account status directly impacts my credit score and overall financial well-being, causing undue stress and hardship.

I kindly request that you conduct a thorough investigation into these discrepancies and take the necessary steps to correct the inaccuracies on my credit report. The presence of misleading information can not be understated, as it undermines my financial stability and future opportunities.

Thank you for your immediate attention to this urgent matter. I look forward to your prompt response confirming the actions taken to rectify these inaccuracies. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-13
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XX/XX/2022.