davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-06
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. (MS)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2023-10-25
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: BARCLAYS BANK DELAWARE (OK)

I noticed a charge of {$96.00} from the vendor XXXX XXXX XXXX which posted near the end of XXXX on my Advantage Airline credit card managed by Barclays. I have never interacted with XXXX XXXX XXXX, and in fact didn't know the company existed until the fraudulent charge appeared. I called Mastercard number on the back of my card and the gentleman suggested they issue a new card, which happened. 

On the next bill, the charge remained, so I called the company again and followed up with a letter, attached. 

The charge remained, so I called again. This time they said they would review the dispute. The woman also said " the chip was present '' and that " since the other charges that day were not disputed '' that I must have made the charge. In fact, there are no other charges that day listed. I never had any dealings with the vendor. So, to me, this charge was just added to my account without justification or evidence that I made the charge. 

After this call, my account now showed a second XXXX XXXX XXXX  charge for the same amount. I called again and was told the 2nd charge was just an accounting error, and would be removed ( it was ), but the original charge was NOT removed. 

I have not heard anything more from Barclay 's Mastercard and the charge remains. 

In summary, I called multiple times and sent the attached letter via surface mail. I also called after this letter and they again said they would review my case. In the meanwhile, I paid all but the disputed charge. However, the charge remains and I am now being asked to pay a minimum fee and interest has begun to accumulate. I have never received anything in writing. 

I appreciate your help. I have never had a credit card company refuse to remove a fraudulent charge before, so I am somewhat at a loss here. I don't know when the next charge will magically appear, so I have locked my card for the time being and paid all but the disputed charge.
Consumer complaint received 2024-05-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

To whom it may concern, I recently reached out to my mortgage company ( Carrington Mortgage Services ) on how to go about cancelling my PMI insurance on the grounds that the LTV of my house far surpasses the minimum requirement of 78 %. As of today, I owe {$220000.00} on my house have an estimated home value ( as per the Carrington website ) of {$400000.00}.

I emailed the escrow department of Carrington to get the PMI removed for the above mentioned reason and even said if there was an additional principal payment I can make to remove the PMI now I would be willing. I received a letter back from them citing they could not remove the PMI due to the property being declared a disaster area by FEMA within the last 24 months.

This is the reason I'm reaching out for help to understand my rights and make sure this mortgage company is following the law. 

Any help you can provide would be greatly appreciated. 

Regards, XXXX XXXX
Consumer complaint received 2024-06-06
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. (PA)

I tried to fix my credit report since last month but still no recieving any response from you. please please delete all the negative items immediately Here 's the list Account Name : XXXX Balance : {$960.00} Account Number : XXXX  Date Opened : XXXX XXXX, XXXX Account Name : XXXX Balance {$900.00} Account Number XXXX  Date Opened : XXXX XXXX, XXXX Account Name : XXXX XXXX Balance {$1100.00} Account Number XXXX Date Opened : XXXX XXXX, XXXX Account Name : XXXX XXXX  Balance : {$620.00} Account Number XXXX  Date Opened : XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX  Balance : {$850.00} Account Number XXXX  Date Opened : XXXX XXXX, XXXX Account Name : XXXX Balance : {$640.00} Account Number XXXX Date Opened : XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX  Balance : {$680.00} Account Number XXXX Date Opened : XXXX XXXX, XXXX Account Name : XXXX XXXX Balance : {$0.00} Account Number XXXX  Date Opened : XXXX XXXX, XXXX Account Name : XXXX Balance : {$0.00} Account Number XXXX Date Opened : XXXX XXXX, XXXX Account Name : XXXX XXXX Balance : {$490.00} Account Number XXXX  Date Opened : XXXX XXXX, XXXX Account Name : XXXX XXXX Balance : {$720.00} Account Number XXXX Date Opened : XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX, XXXX Balance : {$650.00} Account Number XXXX Date Opened : XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX Balance : {$600.00} Account Number XXXX  Date Opened : XXXX XXXX, XXXX Inquiry name : XXXX  Inquiry : XXXX XXXX, XXXX Inquiry name : XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Inquiry name : XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry name : XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry name : XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry name : XXXX Inquiry : XXXX XXXX, XXXX Inquiry name : XXXX XXXX XXXX Inquiry : XX/XX/XXXX Inquiry name : XXXX Inquiry : XXXX. XXXX, XXXX Inquiry name : XXXX XXXX Inquiry : XXXX. XXXX, XXXX Inquiry name : XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry name : XXXX Inquiry : XXXX XXXX, XXXX Inquiry name : XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Inquiry name : XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry name : XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry name : XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry name : XXXX Inquiry : XXXX XXXX, XXXX Inquiry name : XXXX XXXX XXXX Inquiry : XX/XX/XXXX Inquiry name : XXXX Inquiry : XXXX. XXXX, XXXX Inquiry name : XXXX XXXX Inquiry : XXXX. XXXX, XXXX Inquiry name : XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry name : XXXX Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2023-08-25
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: EQUIFAX, INC. (NC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-06-06
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Equifax 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 or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 more 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 2023-11-30
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: TOYOTA MOTOR CREDIT CORPORATION (NV)

They reported late payments and didn't follow law accordingly 15 usc 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

( Pub. L. 90321, title I, 163, as added Pub. L. 93495, title III, 306, XXXX XXXX, XXXX, XXXX XXXX. XXXX ; amended Pub. L. 11124, title I, 106 ( b ) ( 1 ), XX/XX/XXXX, 123 Stat. 1742 ; Pub. L. 11193, 2, XXXX XXXX, XXXX, XXXX Stat. 2998. )
Consumer complaint received 2024-08-19
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. (NJ)

On XX/XX/year>, I submitted a dispute to Experian, requesting the method of verification for items on my credit report that were reported as verified. In my request, I specifically asked for the date you contacted the creditor/furnisher, contact information for the creditor/furnisher, the name of the person who verified the item, the method of communication used to verify the information, and whether the creditor provided my Social Securi

ty Number, address, and date of birth during the verification process. Despite submitting this request over four months ago,
I have yet to receive any response from Experian. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to receive information regarding how my disputes were verified. Experian 's failure to respond to my request is a violation of my rights under the FCRA and impedes my ability to ensure that the information on my credit report is accurate. 
I am attaching a copy of my original dispute letter sent to Experian as evidence of this issue.
Consumer complaint received 2024-06-06
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 more 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 2022-11-23
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: EQUIFAX, INC. (FL)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. I found that under section 605b ( a ) XXXX and Equifax shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Please remove/block the following account as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Date Opened : XX/XX/2019 Balance : XXXX
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. (IL)

I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.
Consumer complaint received 2024-05-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (WI)

My account went into administrative forbearance in XXXX due to MOHELA moving to a new servicing platform. I received a letter in the mail in XXXX that my account was transitioning to the new platform. I have always had autopay set up on my account. However, I have since been getting letters that my account is past due. I have called MOHELA XXXX or 6 times now to understand how my account was past due, if I was in forbearance during the transition, and my account had always had autopay set up. Each time I call I seem to get a slightly different answer. I have been told my account is not past due on their end, even though I reiterate that my account on the new platform shows I am. I have been told that my case is being escalated, but I have never heard anything back in the two times I have called since being told that. I have also been told my account has been placed back in forbearance until this situation is resolved. However, MOHELA just pulled the autopay from my account last week, although I was told that would not occur now that I'm back in forbearance. Originally I was {$240.00} past due, I am now {$310.00} past due. Each time I call I request a letter in the mail confirming my account is not past due. Each time I am promised a letter. However, I have never received any additional information, just more past due notices. I have tried sending emails, to keep a paper trail, but I have never gotten a response to my emails.
Consumer complaint received 2023-09-27
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: Paypal Holdings, Inc (CA)

Placed and order with XXXX through PAYPAL on XX/XX/XXXX  for {$210.00}. I cancelled the order within 10 minutes realizing the item was counterfeit and order cancelled confirmation received from PAYPAL. The item was delivered after few days and I was billed. When contacted PAYPAL for return label I was informed seller agree to refund and no refund was made. I am unable to communicate with PAYPAL Messages are sent through message center an no response. 

After cancelling the order why did the shipment arrived? Attached are the documents confirm that cancellation of shipment on time and PAYPAL confirming seller agreed to refund the money.. 

As no response from PAYPAL I dispute the amount with the credit card company and PAYPAL is holding me to have the dispute close favor of me to refund which PAY PAL has no authority to demand for credit card resolution.
Consumer complaint received 2024-06-09
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. (AZ)

I recently did an investigation on my credit report. I discovered unverifiable, invalidated, inaccurate and questionable items on my credit profile ; and Experian didn't ensure these accounts were reporting 100 % correct. Experian has continued to show no regard for and disrespect for the law. In accordance with the Fair Credit Reporting act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual of whom the information relates ; 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. Experian stated that the XXXX accounts ( XXXX : XXXXXXXX XXXX XXXX XXXX ) were properly investigated and came back as verified ; however this is clearly not true when their are several inaccuracies showing on my report! As a consumer, I would like to know all the steps this agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- description of reinvestigation procedure.