davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-08
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. (MN)

Multiple times over mulptiple years, I have disputed with the credit bureau and XXXX XXXX incorrect information that is on my credit report. I received a recent update on my Equifax credit report stating that my information is correct and that it was verified by XXXX XXXX. Unfortunately, someone is lying again. It is now updated to an account that is too NEW to rate and they added that it is 60 days late instead of 30 days in XXXX of XXXX. This account is too old to be on my report and it was closed and XXXX balance as of XXXX. All of my accounts with XXXX XXXX  have been closed and paid on or before XXXX of XXXX. I have no open or new accounts with them. However, they list this account as a XXXX account. My question over the last XXXX years of disputes with this account is how can something be late if it was paid and closed in XXXX. The account can not be late if there is no payment due. I contacted XXXX XXXX today and not XXXX person could connect me to XXXX, who is the person who signed the letter stating that its my fault because I disputed this account too many times. Unbelievable, I have been disputing it because no one is doing their job correctly. Today, I spent over XXXX minutes on hold talking to at least XXXX different people and not XXXX person could help me. This account and any accounts on my credit reports from XXXX XXXX need to be deleted. This account is over XXXX XXXX XXXX and it has been reporting inaccurately for XXXX years. Yes, XXXX  years I have been trying to get this fixed.
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: CBC Companies, Inc. (FL)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2023-04-21
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. (FL)

I read over my credit report and found that some of the data were incorrect. These items must be verified by the XXXX and TransUnion Credit Bureaus in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not permitted to disregard these reporting items as unverified information without offering any justification within the legally permitted time frame. My credit report lists the following items that require investigation and correction for inaccurate reporting in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX
Consumer complaint received 2024-05-30
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)

I am certain that I pay on time every month. However, I don't understand why this company is reporting me as late in some months, which is incorrect. USC 1666b mandates that billing errors be fixed and updated to show the account as paid as agreed.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

Hey, my name is " XXXX XXXX XXXX '', I have noticed that I have had collections, inquires, and late payments on my consumer report that does not belong to me. It has impacted me deeply and has hurtled me. The consumer report agencies have validated the consumer laws that was passed by congress. 15 U.S Code 1681. Meaning that they never received my consent on a hardcopy. Giving them permission to furnish on my consumer report. 15 U.S Code 1681 C-2 " blockage of information ''. This consumer law gives me the authority to tell the information that I wish to be requested to be deleted on my consumer report. And it must happen within 4 business days. Due to me filing my FCT Report. This law states that if you file a police report through the FCT, it must be removed.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (FL)

To Whom It May Concern, As a consumer, I am deeply concerned and disappointed to learn of potential inaccuracies in the information provided by your agency. I urgently request detailed information regarding the steps taken to verify the accuracy of these items, as mandated by 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. It is my right as a consumer to be informed of the procedure used to ensure the precision and completeness of the data in question. I expect to receive a thorough explanation, including the business name and address of any information furnisher consulted and a contact number for said furnisher, if available. This information must be provided within 15 days of my request, as stipulated by law. Thank you for your prompt attention to this matter. I previously contacted your company to inform you that I am a victim of data breach/identity theft. I also contacted the Federal Trade Commission and filed an attached FTC Report. I DEMANDED to please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX - XXXX - The unknown collection account reported negatively impacts my creditworthiness and violates my rights under federal law. Additionally, as a victim of the Equifax data breach, I am concerned about the security of my personal information and the accuracy of my credit report. I demand the immediate deletion of the unknown collection account from my credit report and request a thorough investigation. Please provide me with a written response detailing the actions taken to rectify the inaccuracies and ensure the security of my credit information.
Consumer complaint received 2024-09-11
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)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2024 I sent a letter regarding inaccurate and unknown items on my credit report. To this day over 60 days later I have not received a response yet and I feel as if I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been well over 60 days and should be removed promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress that youve caused me. My information was also impacted by the XXXX data breach and my information may have gotten into the hands of the wrong person.
Consumer complaint received 2024-05-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CO)

ON XXXX I submitted a question to Mohela I am showing that I have a loan or several loans that have been in repayment for XXXX years now. When do I find out and how do I find out if these will be forgiven? 
Sometime this week it is not dated I received this response : Thank you for contacting MOHELA, We apologize for any inconvenience this may have caused. Please be advised, loan sequences XXXX and XXXX were recently consolidated and disbursed on XX/XX/2024. When you consolidate your student loans, one of the disadvantages is the loss of qualifying payments made ( prior to consolidation ) towards PSLF and Income-Driven Repayment ( IDR ) plans. 

For more information on the advantages and disadvantages of consolidation, please select XXXX XXXX under the XXXX XXXX drop down at the top of this page. Then select Loan Consolidation. 

If you have any additional questions, please contact us toll free at XXXX. Our hours are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Thank you, MOHELA Phone XXXX Fax XXXX TDD Dial XXXX XXXX M, XXXX T-W, and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX. 

I also know that on XXXX that it does say Switching from one qualifying repayment plan to another including XXXX will not affect your total payment count toward forgiveness. 

I would like a response and for this to be looked into.
Consumer complaint received 2024-08-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY (GA)

When I purchased my home, WELLS FARGO was the lender. During turbulent financial times in america, I was hit with a layoff. I emptied my savings to pay my mortgage. With less than {$400.00} in my account, Wells Fargo would call and harass me about being behind. At that time, I also had a checking account with them. The representative would tell me how much money I had in my account and would threaten to take that. That was money I had to buy food and gas for my car while I looked for work. I did get a foreclosure notice and filed bankruptcy to save my home. Because of PMI, Wells Fargo was paid on the default while I was also paying them via bankruptcy. To this day, there is still a struggle.
Consumer complaint received 2023-02-18
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. (TX)

I submitted this complaint to update this suspicious information. Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance : {$10000.00} ; XXXX XXXX Balance : {$290.00} ; XXXX XXXX Balance : {$2200.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$520.00}
Consumer complaint received 2024-07-07
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: DISCOVER BANK (FL)

I had a complaint with a dentist. I hired him to replace XXXX crowns. For XXXX pesos. We are in XXXX. The dentist instead removed XXXX XXXX that I did not ask, or agree to be replaced and did not replace the XXXX crowns. The dentist stated he would do that in 10 days. Upon check out I placed my credit card on the waiting room counter. The secretary took it and charged the card for the XXXXXXXX. Which would have been a total of XXXX pesos. I did not get a receipt or sign it. However my transaction allert showed they charged {$2000.00}. Much more than agreed upon and I had not gotten any of the work, the XXXX crowns done. I got angry they showed me a bill for the replacement of XXXX XXXX, which I was not told was going to be done, and I did not want done. I did not believe the XXXX were replaced and filed a complaint stating that. However the XXXX XXXXXXXX did fall out as I developed an XXXX. That would indicate the XXXX were replaced but not done correctly. In either case I am not reponsible for payment. And resent the sneeky way my card was run. I had the evidence to prove all this and contacted Discover asking if I should provide it. I was told not to until the merchant files a response. The merchant did, they did not notify me and denied the claim. I have since provided the information but am not confident they will even look at it. 

Thank you so much for your help!
Consumer complaint received 2023-10-26
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Real Time Group, Inc. (CA)

On XX/XX/XXXX I received a bill from A company named Real Time Resolutions. Real Time resolutions informed me that they bought this loan from XXXX XXXX. I took out a loan from XXXX XXXX in XXXX or XXXX. I havent heard anything from XXXX XXXX since XXXX, so I was under the impression that the loan was charged off. Upon speaking with Real Time Resolutions they said that they bought the loan from XXXX XXXX. Real Time Resolutions is saying that we have a outstanding principal of {$80000.00} and the total amount due is XXXX, they are also threatening to take my property. There is now a lien on my property and foreclosure activity.
Consumer complaint received 2024-06-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CBC Companies, Inc. (GA)

Account Name : XXXX XXXX XXXXXXXX Account number : ending in XXXX First and Last name : XXXX XXXX Reinsertion of Previously Deleted Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) : This subsection explicitly states that a CRA must not reinsert previously deleted information unless the information provider certifies its accuracy. The CRA must notify the consumer of the reinsertion within five business days, which ensures transparency and gives the consumer an opportunity to dispute the reinsertion if necessary. 
The CRA failed to adhere to these requirements : -No timely reinvestigation was conducted following my dispute. 
XXXX did not receive proper notification of the results of the reinvestigation. 
-There was no certification from the furnisher proving the accuracy of the reinserted information. 
- I was not notified within XXXX business days regarding the reinsertion of the disputed information.
Consumer complaint received 2024-09-12
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 am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX # XXXX opened XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  # XXXX - Balance $ XXXX opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Balance $ XXXX opened XX/XX/XXXX XXXX  XXXX XXXX XXXX # XXXX opened XX/XX/XXXX Unauthorized 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 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 2024-06-13
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (ME)

I had closed my Macys credit card years ago because of high interest rates, so I currently do not have an open account with them. I received multiple emails stating my email had been changed on my Macys account, my shipping address had been changed and that two purchases totaling nearly XXXX had been charged on this card. The purchases were for two diamond rings for men, XXXX gold rings. At the same time my husband who has a discover card was receiving the same emails on his fraud messages for his discover about purchases thru Macys. It appears that someone used my husbands discover card account to open a guest Macys card and use my name, change the shipping and email addresses and charge these purchases. My husbands card had to be shut down and will be automatically refunded, but I have to wait to have macys receive their product back and have that money credited to that account before my credit is resolved. This affects my credit score.
Consumer complaint received 2024-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (TX)

In XX/XX/year>, a direct deposit of {$5000.00} was made to my USbank account from XXXX XXXX XXXX XXXX, but the USbank put it on hold due to safety issue. I have already contacted the usbank online service and they told me to go to the branch and ask the manager for help. The manager said that they can not do anything since this was done by the bank system and they asked me to let the XXXX payroll office to submit a request for refund. I called the XXXX  payroll office but they said they can not request refund and the bank should return the money automatically. The bank has already hold this money for more than 6 months and they did nothing to give it back to me or the payer.
Consumer complaint received 2024-06-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Mr. Cooper Group Inc. (TX)

I have gone online and called Mr Cooper XXXX times and ordered a payoff request for my mortgage. Each order has resulted in another letter inviting me to make a payment, or contact them for a payoff quote. 

With each order, I have asked for a standard mail delivery to avoid a " quote fee '' associated with an immediate delivery method. 

Today, I made XXXX attempts to reach a " live '' person to find out where they are dropping the ball, but the prompts only take you to a loop and hang up when you ask for a representative. 

They are trying to collect additional daily interest by dodging payoff requests. This is resulting in their netting hundreds of thousands in additional interest collections through customer abuse. These people are predators trying to squeeze every dime possible from the public.