davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (TX)

This account was reporting inaccurately on Equifax. The balance was reflecting an incorrect amount and instead of removing the account as requested per FCRA law, they updated the balance to {$0.00}. This account has been removed off of XXXX and XXXX and should have been removed off of Equifax as well. I have requested MULTIPLE times for debt validation and Equifax had not provided me with legal proof of validation.
Consumer complaint received 2024-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Hello, I am writing you because I dont recognize any of these inquiries on my credit report. I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. I would like all them to be removed immediately. 
XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance/Personal ( XXXX ) XXXX XXXX  XXXX XXXX XXXX : XX/XX/XXXX Automotive XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX Automotive ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) XXXX Bank ( XXXX ) XXXX Bank ( XXXX ) XXXX Bank ( XXXX ) XXXX Bank ( XXXX ) XXXX Finance/Personal ( XXXX ) XXXX Finance/Personal ( XXXX ) XXXX
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

In 15 days from the present date, I anticipate the receipt of a monthly updated credit report. I trust that the items highlighted in this complaint, as well as those identified in my previous complaint dated XX/XX/XXXX, have been addressed and rectified in the impending update. It is imperative to emphasize that, in accordance with FCRA Section 605B ( a ), Credit Reporting Agencies are mandated to expeditiously remove any items flagged by the consumer as information stemming from a purported identity theft within four business days of receipt. Regrettably, despite my persistent efforts through various correspondences, these fraudulent items remain unaddressed within your records. I implore you to adhere to the legal stipulations outlined in FCRA Section 605b, which necessitate the removal of the items detailed in the identity theft report XXXX XXXX. The specific items are reiterated below for clarity : XXXXEXPERIAN 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 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the Credit Bureaus and still have yet to receive a response.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

In the forthcoming XXXX  days, I am scheduled to receive an updated credit report, and I am earnestly looking forward to the prospect of having all these fraudulent items, both in this current complaint and the one dated XX/XX/XXXX, expeditiously removed. Pursuant to FCRA Section 605B ( a ), Credit Reporting Agencies are mandated to remove any items from the file of a consumer that are identified as information resulting from an alleged identity theft, not later than four business days after the date of receipt. It is also explicitly stated in Section 605b that Credit Reporting Agencies are obligated to remove any items listed on an identity theft report, specifically under reference # XXXX. Please find these specified items once again outlined below for removal : XXXXEXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-03
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: Experian Information Solutions Inc. (AL)

This inquiries are fraudulent never ever filled out any application for a car or credit..I will have the list posted down in attached form..I 'm asking for these to be removed from credit report..I 've complained to the creditor company several times no removed items..yet please help me remove these items
Consumer complaint received 2024-04-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CrossCountry Mortgage LLC (FL)

To Whom it may concern : I am about to lose my home. I am exhausted trying to explained the situation to the new Mortgage company along with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Fax : XXXX. The original loan servicing Cross Country Mortgage XXXX monthly mortgage {$2300.00} transferred Mortgage to XXXX XXXX XXXX  monthly mortgage {$3300.00} they transferred to Cross County Mortgage XXXXXXXX XXXX monthly mortgage ( Modification Approved amount before the transfer ) {$2800.00} All payments were sent to the Mortgage company before the last transfer. Now when they transferred the loan they did not transfer all the documents and the payments received. They are claiming the wrong amount owed on the statements sent then what customer service views in their system when you contact customer service. This has been ongoing for over a year and no solution has been made. The modification loan was completed and approved the the 2nd servicing mortgage prior to the transfered. All I want is to be able to move forward and move on with my life. Having a home should not be a nightmare because of the mortgage companies not providing correct information regarding your home loan. 

All I want is for the mortgage company to honor the modification and to report the correct payments applied to the mortgage loan servicing company. 

-- XXXX XXXX XXXX XXXX, Florida XXXX XXXX : ( XXXX ) XXXX XXXX
Consumer complaint received 2024-04-27
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: National Credit Adjusters, LLC (FL)

I took out a loan at XXXX in XXXX of XXXX XXXXor {$500.00}. My information was then transferred to a debt collector in XXXX of XXXX  for {$580.00} to be paid.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

( XXXX, XXXX & EQUIFAX ) ( XXXX XXXX XXXX XXXX ) {$580.00}, XX/XX/XXXX, ( XXXX XXXX XXXX ) {$17000.00}, XX/XX/XXXX, ( XXXX XXXX XXXX XXXX ) {$730.00}, XX/XX/XXXX, ( XXXX XXXX XXXX XXXX ) {$5800.00}, XX/XX/XXXX, ( XXXX XXXX ) {$2000.00}, XX/XX/XXXX, ( XXXX. XXXX, XXXX ) {$1400.00}, XX/XX/XXXX, ( XXXX XXXX ) XXXX XXXX, XX/XX/XXXX, ( XXXX XXXX ) XXXX XXXX, XXXX, ( XXXX XXXX XXXX XXXX XXXX XXXX,
Consumer complaint received 2024-01-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (TN)

I am writing to file a formal complaint against MOHELA, my student loan servicer, concerning issues related to the processing of my Borrower Defense application and the lack of transparency and communication regarding the status of my loans. 

On XX/XX/XXXX, I submitted my Borrower Defense application through XXXX, only to discover that my loan servicer had switched to MOHELA immediately after the submission. My loan has been under pause due to COVID and is currently under review for Borrower Defense. 

However, on XX/XX/XXXX, I received an email from MOHELA indicating that my student loan interest would be starting up. This prompted me to seek clarification on the matter, as I couldn't comprehend why my loan would be incurring interest while under consideration for Borrower Defense.

I have attended multiple schools that are on the Borrower Defense list, and my application is still pending. Despite my efforts to contact MOHELA to understand the status of my Borrower Defense application and the rationale behind the accruing interest, I have been unable to obtain the necessary information. The lack of transparency and clear communication has left me frustrated and concerned about the status of my loans. 

Moreover, I believe that some of my loans should have been eligible for forgiveness under the Biden-Harris loan forgiveness program for loans aged 20 years and over. Unfortunately, there has been no information or clarification provided on this matter. 

To add to my frustrations, as of XX/XX/XXXX, MOHELA has been reporting negative information to the credit bureau, incorrectly reflecting negative amounts paid off. I kindly request that this inaccurate information be promptly removed from my credit report.
Consumer complaint received 2024-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My Bank Of America Mortgage payments that I have had for XXXX years have never been late. I tried to pay my mortgage off since XXXX. The representatives that I had spoke with were providing conflicting amounts and I requested a supervisor to contact me on my cell number. Several attempts were made but never received a confirmation call back. Debt collection called me on XX/XX/24. At that time they provided me with the total and I was told to go to my bank and draw a XXXXXXXX XXXX  Check and send attention to the XXXX Department. On that day the check was sent to the location they provided. Weeks later, Dept Collections started contacting me saying the check was never received and I was past due. I spoke with a BOA representative and provided all documentation to prove my payment was submitted. She informed me that she had experienced a few individuals that had the same issue with the payments posting from them. She assured me that this would not affect my credit history and she would again note the account as was done on XX/XX/24 that payment was sent as requested. THIS IS MY FINAL PAYMENT... The payment was finally posted on XX/XX/24. At this time BOA informed me that I was required to pay an additional charge of +/- {$2000.00} because they paid the homeowners insurance. Recently I applied for funding and the credit report showed a late payment for BOA. THIS IS UNFAIR!!!! Again I have contacted BOA only to get the RUN AROUND like I have been experiencing for the past 3 months. BOA does not take care of their customers and especially the ones who have never been late on payments for 20 Years. Please Help Me!
Consumer complaint received 2024-03-06
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (TX)

In accordance with the Fair Credit Reporting Act XXXX  accounts has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent. 

Collection Agency PROCOLLECT  INC Balance Date XX/XX/XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX INDIVIDUAL_ACCOUNT Date Assigned XX/XX/XXXX Account Number XXXX XXXX Original Amount Owed {$2600.00} Creditor Classification Rental or Leasing Amount {$2600.00} Last Payment Date Status Date XX/XX/XXXX Date of First Delinquency Status UNPAID Comments Contact PROCOLLECT INC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX
Consumer complaint received 2024-04-26
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)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-12-21
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY (NY)

I have several credit cards account opened in my name without my consent. I noticed this been done when i tried applying for an apartment and my credit report had all of these credit cards account open which affected my credit scores and opportunity to get the apartment. I need my credit to be repaired and to remove all of these fraud accounts that were open without my knowledge. It isnt fair for me to be stuck and having to pay for something i didnt authorize.
Consumer complaint received 2023-07-03
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: Experian Information Solutions Inc. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance Owed : {$13000.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; ( Original Creditor XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-17
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. (PA)

I am very upset to discover unauthorized inquiries on my credit report this evening. Ive reviewed my report and attempted to resolve it by refreshing my browser, but the issues remain unresolved. I am deeply frustrated and need a swift and thorough review of my documents to ensure this problem is resolved immediately.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OR)

I never applied to any such credit for any such product from any company at any given time. I never gave written authorization to any company at any time. Remove fraudulent Inquiries within XXXX hours, Please provide original documentation with bearing signature.
Consumer complaint received 2024-08-17
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Didn't provide services promised — 
Company: Idaho Housing And Finance Association (TX)

I was trying to sell my home at XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> at full asking price and having trouble at selling and wasn't able to sell. I'm trying to do a short sale as of XX/XX/year> on my home to avoid foreclosure but mortgage company is denying the short sale. Loan number is XXXX XXXX XXXX Homeloan Serv. I have submitted all required short sale documents including offer.
Consumer complaint received 2024-04-22
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. (AL)

I have several unauthorized hard inquiries on my credit report. The account names and dates of the unauthorized inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (MA)

I purchased a vehicle in XX/XX/XXXX, which was financed with TD auto finance. The vehicle was towed to XXXXXXXX XXXX  in XXXX XXXX, Florida on XX/XX/XXXX. The bank was made aware of the vehicles location at the time and was instructed to retrieve the vehicle for repossession from that location. As of today, the XXXX XXXX reported that the vehicle was sold at auction due to not being picked up within the appropriate amount of time and was free all lienholders including TD auto finance. And now, when I contact the bank, they are continuously reporting the full balance of the loan due to them, not retrieving the truck and selling it, and I have disputed on my credit to have it removed and deleted As it is inaccurate and incorrect, and the account should no longer be reported due to the situation with the truck TD will not respond to my request for a XXXX or my request to delete it and say that the information is valid. The XXXX XXXX that provided this information can be contacted at XXXX. 

Tag number to provide XXXX is Massachusetts XXXX vin ending XXXX. 

This account is reporting incorrect information. They did not follow the law in regard to actually retrieving the vehicle and selling it at auction and are now trying to collect the amount of debt in full. 

TD auto finances no longer the lienholder on the vehicle and has not been since XX/XX/XXXX They continue to try to collect the full amount of of the loan as well as the vehicle by showing up At my residence.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

My complaint simple and plain. My credt is being affected by unlawful reporting as i pulled my report. i sent the credit reporting agencies a affidavit 2 times to resolve this matter ammicably. since they didn't comply, i need your help CFPB. 15 usc 6802b stance about late payments. non public information can not be published to nonaffiliate third parties withouth my consent. unlesss i was given opportunity before the time that such information is innitialy disclosed to a third party. i was never given that opportunity and the CRA 's a third parties and in violation of that law. congress says ( exclusions ) the term consumer report does not include solely my transaction or experiences between ( me ) the consumer and the person making the report.therfore, late payments can not be included in my credit report. 15 usb 1666b states the timing of payments. the financial agency must send written notices/statement 21 days before the payment due date with information from section 15 usc 1637b . it must be mailed or delivered within 21 days of the payment due date from the consumer. they have never done that. they are all in violation of those laws. how could Experian XXXX XXXX treat a payment as late without proof that these items were delivered to me the consumer. 15usc 1692k and 1640 civil liabilities {$1000.00} per violation not to exceed {$500000.00}. ive been damaged by them. all 3 of my XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX account # XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX a copy of the banks account statement of when the payment hit their account, or remove all late payments from my report. please be reminded as the consumer i'm protected by the privacy act.
Consumer complaint received 2024-01-07
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. (FL)

In accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights.

15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by moreover than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-07
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. (TX)

I am not liable for this debt with XXXX XXXX for {$2600.00}. I do not have a contract with XXXX XXXX, and they did not provide me with the original contract as requested. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company has no permission to report anything using my personal information pursuant to 15 USC 1681 4.