davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-29
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: SLM CORPORATION (AZ)

I have two private student loans with Sallie Mae ( formerly XXXX ) that were opened on XX/XX/13 and XX/XX/13 that I am seeking relief for. 

XXXX knew that my university ( University of XXXX ) was engaging in illegal practices and decided themselves to engage in predatory lending practices knowing that the chances of paying off the loans were slim. My university and XXXX purposefully misrepresented graduation outcomes/partnerships to trap students like myself into expensive private/public student loans that could never be replayed or at such high interest variable rates that payment would never be able to bring down the principal balance. They ultimately settled with XXXX state Attorneys General but, due to technicalities in the settlement ( i.e. I wasn't in default ), I was unable to seek relief for their illegal behavior so I am asking the CFPB to get involved. 

More information on the settlement can be found here : XXXX XXXX XXXX XXXX on the FTC Finding can be found here : XXXX XXXX XXXX
Consumer complaint received 2024-06-25
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. (MO)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me.

Account name : XXXX  Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-06-25
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)

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX  XXXX XXXX {$3000.00} XXXX XXXX  XXXX XXXX {$5900.00} XXXX XXXX  XXXX XXXX {$6000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-07-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (PA)

Im writing to express my deep disappointment in Rushmore Loan Management, Rushmore Servicing and Mr. Cooper. Allow me to explain...

When my loan was held by Rushmore Loan Management, I was asked to provide a copy of the XXXX policy ( see attachments ). I provided evidence of this, but then was notified that they purchased an XXXX  policy for me and included it in the escrow. I was unaware of this until the loan was transferred to Rushmore Servicing. At that time, Rushmore Servicing continued to escrow for the XXXX  policy knowing the policy was covered under my HOA ( XXXX XXXX ) since the inception of the loan in XXXX XXXX. 

I have spoken to several Rushmore Servicing agents, escrow department, insurance department and loss mitigation department over the year to update my policy, but unfortunately, that has not occurred. This issue has now cost me {$2000.00} to bring my loan up to date and escape foreclosure scheduled on XX/XX/XXXX. I made a payment on XX/XX/XXXX of {$2000.00} and hope to rectify the problem by recovering the overcharged amount for an XXXX policy from XXXX XXXX to today. My loan payment was {$490.00}, but since Rushmore Servicing was charging me for XXXX insurance, the loan payment increased to {$580.00} for the period of time in question. I understand that Rushmore Loan Management is no longer in existence and transferred all loans to Rushmore Servicing ; therefore, I can not contact Rushmore Loan Management directly. I was also information that my XX/XX/XXXX payment was not received which isn't correct ( see payments attached below ).
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Legal Department : Recently, I found that the information you are providing on some items contains not only invalid and incomplete information, but both inaccurate and incorrect information as well.

As you know, all incorrect and inaccurate information MUST be IMMEDIATELY REMOVED from my credit report.

I attempted to contact the below creditor listed below and received NO response to my request. As per federal law and the FDCPA, regulation under the following 15 U.S.C. 1792 et seq.15 U.S.C . 1692g, Validation of Debts, creditors are required to provide this information within 30 days upon request or release the invalidated debt information from my credit report. I am including PROOF that each creditor received the notification more than 30 days ago and DID NOT respond nor did they remove the item ( s ) listed on my credit report. 

Account Name : XXXX XXXX  Type : Revolving - Account : XXXX I attempted to verify this debt and received NO RESPONSE from the above company ( see attached proof of this verification. ) According to FEDERAL LAW, this creditor had 30 days from the date of my request to validate the debt and they failed to provide any information concerning this debt. This debt is NOT mine and needs to be removed immediately from my credit report. 

On XX/XX/year>, XXXX removed the above mentioned account accordingly per my request. 

XXXX and Equifax should please follow suit as reporting this account is against federal law.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I've been a victim of identity theft. My information was exposed to the public in the Equifax data breach and by someone I trusted to do my credit repair, whose name is XXXX XXXX XXXX. I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed EXPEDITIOUSLY!!!!
Consumer complaint received 2024-06-25
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. (CA)

I am writing once more to express my bewilderment regarding your credit bureau 's handling of the investigation into the fraudulent account on my credit report. As you are aware, I have submitted the necessary documentation to the Federal Trade Commission ( FTC ) regarding this fraudulent account. Following this submission, XXXX and XXXX promptly removed this account from their records.I have also contacted the company associated with this account directly, and they have confirmed the removal of the account from their records. Thus, I am perplexed as to why this account continue to be reported by your bureau. It is crucial to recognize that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only breaches this duty but also subjects me to further harm. 

XXXX XXXX
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified items listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (SC)

" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim.

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Consumer complaint received 2024-07-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally request detailed verification and documentation regarding the investigation process for a disputed account on my credit report. This dispute was submitted to Transunion on XX/XX/year>, and was marked as verified on XX/XX/year>. Additionally, I request the immediate removal of this account if the process cannnot be validate based on the Fair Credit Reporting Act ( FCRA ) Sections 611, 611 ( a ) ( 5 ), and 623 ( b ), Section 501.204 of the Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ), and the Truth in Lending Act ( TILA ) 15 U.S.C. 1601.

Disputed Account Information : Account Name XXXX XXXX XXXX Account Number : XXXX File Number : XXXX - **Section 611** : Under Section 611, I have the right to dispute inaccurate or incomplete information on my credit report and to request a thorough reinvestigation.

**Section 611 ( a ) ( 5 ) ** : If the disputed information is found to be inaccurate, incomplete, or unverifiable, it must be corrected or DELETED promptly.

- **Section 623 ( b ) ** : Furnishers of information are required to investigate the completeness and accuracy of the information provided and to correct any errors found.

2. **Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ) - Section 501.204** : - The reporting of inaccurate information may constitute deceptive and unfair trade practices under FDUTPA. Fair and transparent business practices must be maintained to prevent consumer harm.

3. **Truth in Lending Act ( TILA ) - 15 U.S.C. 1601** : Truth in Lending Act ( TILA Section 1601 ) : Section 1601 of the U.S. Code ( 15 U.S.C. 1601 ) is part of the Truth in Lending Act ( TILA ), which requires the provision of accurate and transparent information in the terms and conditions of credit. This regulation reinforces my right to accurate and truthful reporting of my credit information. 
*Dodd-Frank Wall Street Reform and Consumer Protection Act : * - *Section 1031 ( 12 U.S.C. 5531 ) : * The Consumer Financial Protection Bureau ( CFPB ) has the authority to prevent abusive practices by credit reporting agencies.

- *Section 1036 ( 12 U.S.C. 5536 ) : * Prohibits unfair, deceptive, or abusive acts in relation to consumer financial products or services, which includes the obligation to correct inaccurate credit information
Consumer complaint received 2024-07-15
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. (MD)

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. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 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 it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-05-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC (TX)

XX/XX/XXXXXX/XX/XXXX : Mortgage company underpaid flood premium, failed to respond to underpayment notice, then took out supplemental policy without my knowledge XX/XX/XXXX : notified of escrow shortage and increasing escrow payments via escrow analysis XX/XX/XXXX : Called mortgage company and transferred to the insurance department, was told the policy was not for full coverage hence the supplemental policy, underpayment was not disclosed, but I was told that I should request a " review '' after my case was resolved, after multiple calls to insurer and mortgage company found the underpayment as root cause and paid the underage of {$440.00} out of pocket, after uploading updated flood policy with full coverage called mortgage company and asked that the supplemental policy be removed. I was assured that it was removed and requested a new escrow analysis. New escrow analysis did not reflect the changes. 

XX/XX/XXXXXX/XX/XXXX : again called mortgage company to find that the supplemental policy had not been removed. Spoke with insurance department who assured me that it would be removed, then referred me to escrow department to request escrow analysis. Escrow department then told me that changes were not reflected, they wanted to refer me back to insurance and were unable to give me any time frame or best course of action as to how to ensure the issue was resolved The issue remains unresolved
Consumer complaint received 2024-07-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-06-25
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 have items 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 that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-07-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I ordered a Capital One Walmart Credit Card. I got it in the mail and never even activated it. About a month later or less I got a bill in the mail saying I owed {$1100.00}. I was confused so I called capital One. They told me that it was for purchases online for Walmart. I told them I had not used my walmart card online or used it at all. I had not even activated it yet so that can not be possible.

I went online to my Walmart account. I checked to what was going on. I find that they had linked my new credit card to my online account that I use often to order groceries. 
I'm a single mother and I raise XXXX boys by myself. I have a XXXX XXXX XXXX XXXX XXXX XXXX. The father doesn't help with money at all. I get government help with food for my kids. They give me a EBT ( electronic benefits transfer card ). I use that to order my food online with Walmart. My EBT card was set as default payment card. So when I order food it usually charges that card automatically. So I ordered food as usual not knowing Walmart without my consent changed my default card from my EBT card to their Walmart Capital One card and set it as the default card on my account. So when I ordered groceries it was charging the Walmart credit card. 
I called them and told them and they said they couldn't take it off their card and put it on my EBT card. I told them that I didn't authorize or even know they had done this. 
I believe this is illegal from what I researched online they have violated several laws. 
Now my credit has been ruined because I refuse to pay a debt that I never authorized or even knew was happening. I got that credit card strictly for emergencies and to help build my credit even more. 
I wish I never got the card now. It did the exact opposite and destroyed my credit in a matter of months when it took me over 2 years to get it up to XXXX. Im so mad about this. Not only that they were not willing to help me at all. They could of taken the payment off of the credit card and charged my EBT card like I had set it up to do until they changed it without my permission.

I feel they did this on purpose to be able to get money out of me for late charges and interest. Im already struggling as it is raising XXXX boys by myself and they took advantage of a poor mother and ruined my credit score and have caused me a lot of stress and financial damage and hardship. They should be held accountable for what they have done.
Consumer complaint received 2023-11-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Affirm Holdings, Inc (NC)

On XX/XX/XXXX, I made a purchase at XXXX XXXX. The total amount of the transaction was {$190.00}. My Affirm Debit card was authorized for {$100.00} and I used my XXXX card to authorize {$92.00}. However, Affirm is trying to assert that I owe them {$190.00}. I was pressured into putting the {$190.00} on a loan agreement because they told me that if I didn't, they were going to withdraw {$190.00} from my back account. I called to dispute the amount of the transaction. I submitted a copy of the receipt from the store as well as a screenshot from my XXXX card mobile app showing that the Affirm card was only authorized for {$100.00} and my XXXX card was authorized for {$92.00}. I was told that the dispute would be resolved and I would get an email from " the appropriate department '' within XXXX to XXXX business days. When I called back after the XXXX to XXXX business days, I'm being told that I have to wait another XXXX to XXXX business days. Also, now all of a sudden they have a high volume of disputes and it may take longer than normal, but none of that was mentioned when I first filed my dispute. I'm being given the run around because they are trying to steal my money from me. I've spoken to multiple unprofessional representatives that tried to feed me lies and talk to me as if I'm stupid. When they realized that wouldn't work, they lie and say that my case has been escalated. I have given them enough time to fix the issue and they refuse to retify the problem.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My account with XXXX  XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

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. 


XXXX  XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports