davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-01
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-04-07
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: American Financial Network Inc. (DE)

XXXX XXXX XXXX I called XXXX  to find out why did their name showed up on my credit they told me they dont have my information in their system. I informed the agent that theres an inquiry with the company name on XX/XX/2023. The agent said he will send a letter to confirm its wasnt authorized via email. I waited and no email came in. The next day I call and got another representative who also said they dont have my information in there system. He advised that he is going to reach out to his supervisor and will follow up. I still have not heard from them. its almost 2 months and no follow up or letter.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : 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  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is really exhausting and distressing. I have been trying to communicate my concerns regarding the inaccuracies on my credit report for months now but to no avail, this is an issue that I want to be addressed and this complaint is obviously not a mistake or sent in error. These are challenging times and the circumstances are not in my favor, the burdens keep piling up which continuously impacts my life negatively, having these inaccuracies corrected or removed from my credit report will be immensely helpful.
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

TO WHOM IT MAY CONCERN : I am writing to delete and correct the following information in my file. THIS IS NOT MY FIRST TIME I HAVE REACHED OUT PERTAINING THIS MATTER!!! The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Based on, 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, no later than 4 business days after the date of receipt. These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - 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. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!
Consumer complaint received 2023-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX  and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-03-31
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

When I investigated my credit report, I realized that some of the information was erroneous.TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below XXXX XXXX XXXX XXXXXXXX Balance : {$54000.00}
Consumer complaint received 2024-08-08
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)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2022-12-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

On XXXX I sent them XXXX XXXX I sent them XXXX XXXX I sent them XXXX I tried to request a refund with cash app but they couldnt do it and they said try to request your money back from them but I cant they scammed me
Consumer complaint received 2024-01-30
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: WELLS FARGO & COMPANY (NJ)

Wells Fargo Card Services XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear sir, Today, again, I received a letter from so-called escalations representative, XXXX XXXX The letter do not have any barcode and Q-code ; therefore, I consider this letter was created for fraud. I enclose the copy of this letter. 

Sincerely,
Consumer complaint received 2018-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I am going over my credit report and I see that my information is either inaccurate or old dated. 
My name is XXXX XXXX XXXX I am XXXX my company is XXXX XXXX XXXX XXXX XXXX XXXX. 
My DOB  XXXX SS XXXX MY only address is XXXX XXXX XXXX XXXX XXXX, OH   XXXX PHONE NUMBER XXXX THE FOLLOW ADDRESSES ARE NOT MINE PLEASE DELETE : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I HAVE A HARD INQUIRES ON MY CREDIT REPORT THAT ARE UNAUTHORIZED I NEVER DONE ANY BUSINEES WITH XXXX XXXX XXXX XXXX XXXX. PLEASE REMOVE THEM THEY ARE NOT AUTHORIZED. I WOULD LIKE TO BE OPTED OUT OF ALL PROMOTIONAL CREDIT CARD ADD AND INSURANCE PROMOS. THERE IS A ACCOUNT SHOWING ON MY CREDIT XXXX XXXX XXXX XXXX XXXX****. THIS ACCOUNT WAS NEVER IN COLLECTION AND HAS ALWAYS BEEN PAID IN FULL, NOT SURE HOW OR WHY IT IS ON MY CREDIT REPORT PLEASE DELETE THIS ERROR.
Consumer complaint received 2023-05-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (NJ)

XX/XX/XXXX they raised my mortgage payment {$300.00} a month and claimed they needed it in my escrow account for increased home owners insurance and taxes but I followed up with calls to see who required that much more money and my home owners increased by about {$75.00} a month and even that increase is questionable because all my neighbors have only increased by about {$100.00} a year. There is no reason for this kind of increase even if the insurance is legit. I've contacted them at least 4 times and they tell me to contact my insurance company but just reaffirms my knowing they are taking way too much out for my escrow account. The amount they increased is way out of line and I sure could use a refund since my daughter and grandchildren are presently living with me. The only response they give is it can't be changed until XX/XX/XXXX because that is when they have there meeting for adjusting escrow accounts. With the economy tanking and this kind of unnecessary expense I've all but emptied one of my retirement accounts. Please give me some relief and justice. account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : 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 2024-05-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (PA)

After my loans moved to Mohela from XXXX. After the first XXXX payments, I realized that my loan amounts were incorrect. 

In XXXX of XXXX, I called and provided the record of my account with fedloan which showed that my payment was lower in XXXX of XXXX. 

Mohela offered no explanation for this difference. When asked, they told me they didn't know my income, they couldn't explain how my payment amount was calculated and they didn't know what my repayment plan was. 

Because the payment was incorrect, I requested an administrative forbearance in accordance with the Dept of Education 's instructions. 

After trying to convince me to recertify my income, they told me to put my account in forbearance for 1 month so they could investigate the issue. 

After XXXX month, they restarted my auto payments without contacting me. I called to stop the payment. They told me that they could not stop the payment but they would refund it immediately. To date, the payment has not been refunded and it is not showing up as a payment in my account. 

After this incident, I called several more times to try to correct the above and a variety of other account issues. The issues include correcting my payment amount, correcting my repayment plan to XXXX, reimbursement of the incorrect payments, and inappropriate capitalization of interest. 

I sent a final message on XX/XX/XXXX summarizing all of the issues that I've experienced. In response, I received a message it would take another 90 days to respond, they've kept my account in repayment and continue to send notices of late/missed payments. 

This is a summary of the relevant facts that compose the essence of my complaint against Mohela. I have witnessed several other behaviors that may be concerning including the suggestion that I could recertify my income at any amount ( even if it wasn't accurate ) if I agreed to switch to the XXXX plan.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2023-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. 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 misstatements 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. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. 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 some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-05-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MD)

On XX/XX/2024 my account was placed on an administrative forbearance by MOHELA to reverse my IDR application. The administrative forbearance was placed from XX/XX/XXXX to XX/XX/XXXX. I did make a qualifying payment for the month of XXXX however MOHELA states that the payment will not count due to my account being reviewed for my IDR plan recalculation.

There are three different forbearance that were placed on my account. For the month of XX/XX/2024 they placed an administrative forbearance, processing forbearance and then for the month of XX/XX/2024 they placed a general forbearance. 

I was notified by two different Mohela representatives that the XXXX forbearance period would count towards repayment since it is occurring during the transfer time period to US department of education. 
Additionally I was told that they are automatically reprocessing/ reversing IDR applications that are submitted prior to the extending IDR recertification period.
Consumer complaint received 2024-01-30
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. (TX)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. 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 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681Section 604 A Section 2 : It also states a consumer shall not furnish any information about an account without my written instructions.

15 USC 1666B : 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 2024-01-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Avant Holding Company, Inc. (NY)

Submitted dispute XX/XX/XXXX about 2/3 days after unauth trans. Avant credit card failed to investigate in timely manner and sent a letter XX/XX/XXXX saying its past the investigating time so they cant look into my dispute 5 months later. Avant has all files that I did everything correct
Consumer complaint received 2023-05-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent in the below letter on XX/XX/2023 and was never given a response. 

This letter serves as a formal complaint that you are reporting inaccurate information on my credit report. The notation of the following late payment on XX/XX/2023 is inaccurate. Please investigate and verify that the data for this account is reporting accurately. 

Account Name : XXXXXXXX XXXX XXXX ACCOUNT NUMBER : XXXX I also respectfully request to be provided PROOF of this alleged item, specifically PROOF that this payment were in fact late. By the provision of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history for XX/XX/2023 to current/terms met and supply a corrected credit profile to any creditors who have requested a copy of my report in the last six months. 

It is my understanding from the Fair Credit Reporting Act that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must be complete within 30 days of receipt of this letter, or you must remove the incorrect information. 

Please send an updated copy of my credit report with and updated payment history to current and my status to paid as agreed and never late
Consumer complaint received 2024-01-30
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am disputing the accuracy of the payment history and status for the account ( XXXX ) on my credit report, urging its immediate deletion as per FCRA guidelines XXXX XXXX and XXXX have already removed the account due to identified errors, raising confusion about the verification process, and I request prompt action to align with their corrections.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
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