davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-20
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : Account : XXXX Disclaimer : I am a real person not a credit repair agency. My previous dispute was not corrected and by FCRA Law you are required to address my concerns. This is " NOT '' a goodwill request. 

I, XXXX XXXX XXXX, previously tried to have one of your Sr. Representatives, XXXX look into my claims and was accused of requesting a goodwill request. 

The 90-day late payment being reported on my credit file is inaccurate. Your agency is reporting this late payment 12 times on all 3 credit report agencies as closed. Also, a new Loan for {$85000.00}. Which is showing as 13 student loans.

I requested a copy of my student loan statements. In the statements it is showing that I requested a forbearance ahead of time in XX/XX/2019 and the request was approved. 
I am fully aware that I owe student loan and signed a promissory note. My grievance is that you are reporting inaccurate information on my credit report. 

Attached is the loan statement history, how my credit file is being reported, and proof of my identity. 

I just want this error to be corrected. I am sending this request via the CFPB and the attorney general office. Because trying to contact customer service is not ideal, where you dont get any help.
Consumer complaint received 2024-01-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: SELECT PORTFOLIO SERVICING, INC. (CT)

In XX/XX/XXXX, I applied to SPS to cancel my private mortgage insurance as the loan to value ratio fell below the 80 % / 20 % for required private mortgage insurance. I submitted an application fee of {$450.00} for SPS to process the request. 

SPS recieved an appraisal from XXXX XXXX dated XX/XX/XXXX that valued the property at {$460000.00} ( that appraisal is attached to the SPS correspondence dated XX/XX/XXXX, attached ). As of the date of the appraisal, the mortgage balance was {$370000.00}, placing the loan to value ratio {$7000.00} short of the value necessary to cancel the PMI. 

I contacted SPS to point out several deficiencies in the appraisal that, if corrected, would value the property at a sufficient amount to allow for cancellation of the PMI. Despite several calls to request SPS to raise these issues with the appraiser, nothing was done. Finally, in XXXX, XXXX, SPS advised me to submit a formal " appeal '' of the PMI decision. I submitted that written appeal in XXXX, XXXX ( the appeal is attached ). 

After XXXX months and multiple follow up call, on XX/XX/XXXX, SPS again denied my request to cancel the PMI based upon the XXXX appraisal, without addressing any of the issues raised in the appeal ( the letter is attached ). 

Upon receiving the denial letter, I spoke with an ombudsman for SPS who advised me that my appeal was not considered as the appraisal was over 120 days old and therefore no review was possible. I requested that SPS request an updated appraisal from the the appraiser at its expense, but that request was denied.

I therefore contacted the appraiser directly and paid for an updated appraisal. The updated appraisal is dated XX/XX/XXXX, and valued the property at {$480000.00}, well above the threshold necessary to cancel the PMI given the current mortgage balance of {$370000.00} ( the appraisal is attached ). On XX/XX/XXXX, I again requested cancellation of the PMI based upon the XXXX valuation ( attached ). 

On XX/XX/XXXX, SPS again rejected my request to cancel the PMI without addressing the current value of the property ( attached ).
Consumer complaint received 2018-03-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (KS)

This collection agancy has on my XXXX Report 5 marks for one account, they are reporting as if I have five separate bills this is wrongful ways of reporting collections, and against the laws the help prevent collection agencys like this to report a collection wrongfully. Secondly it has been paid and yet another derogatory mark has been placed on my credit. 

I want this taken care of or I will I am suing a company as we speak I have no issue adding to it.
Consumer complaint received 2023-09-13
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO. (TX)

There is an account that is reporting on all of my credit reports as a collection/charge off for {$0.00} even though the account was paid in full. The amount of {$290.00} was paid on XX/XX/XXXX to Ford Credit. I was told when I called Customer Service on XX/XX/XXXX that it is in relation to a past lease of a XXXX XXXX XXXX and that as long as the account is reporting a {$0.00} balance that it is reporting correctly -- that is incorrect. The account is being reported to all of the credit bureaus as a delinquent/derogatory account. Ford Credit had already been paid and the debt had already been written off. If the balance was paid in full in XXXX XXXX  XXXX, why is there still a {$0.00} balance charge off reporting on all of my credit reports? The account should not still be appearing on my credit reports at all. The account was paid in full and the account should have been deleted/removed from all credit reports where it is appearing. However, it has not been removed and it is currently still being reported on all of my credit reports as a collection/charge off. As a result of this inaccurate reporting of a derogatory collection/charge off account that has already been paid in full, it is causing me financial hardship. I am requesting that all evidence of this account be completely deleted/removed from all of my credit reports as it is negatively affecting my credit score.
Consumer complaint received 2023-09-20
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : Account : XXXX Disclaimer : I am a real person not a credit repair agency. My previous dispute was not corrected and by FCRA Law you are required to address my concerns. This is " NOT '' a goodwill request. 

I, XXXX XXXX XXXX, previously tried to have one of your Sr. Representatives, XXXX look into my claims and was accused of requesting a goodwill request. 

The 90-day late payment being reported on my credit file is inaccurate. Your agency is reporting this late payment 12 times on all 3 credit report agencies as closed. Also, a new Loan for {$85000.00}. Which is showing as 13 student loans. 

I requested a copy of my student loan statements. In the statements it is showing that I requested a forbearance ahead of time in XX/XX/2019 and the request was approved. 
I am fully aware that I owe student loan and signed a promissory note. My grievance is that you are reporting inaccurate information on my credit report. 

Attached is the loan statement history, how my credit file is being reported, and proof of my identity. 

I just want this error to be corrected. I am sending this request via the CFPB and the attorney general office. Because trying to contact customer service is not ideal, where you dont get any help.
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

by the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXXXXXX XXXX  XXXX account # XXXX XXXX  Account # XXXX XXXX  account # XXXX XXXX XXXX  account # XXXX XXXX  - XXXX XXXX  account XXXX XXXX XXXX XXXX account # XXXX XXXXXXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX account # XXXX has violated my rights 15 U.S.C 1681 section 602. A state 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 ) the Section States no consumer reporting agency may make any consumer report containing any of the following items of information or any other 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 data is inaccurate. I reported this about a month ago and still, they didn't remove it as I authorized please remove these accounts asap.
Consumer complaint received 2024-07-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (NY)

We are the victim of a compromised email, ( XXXX ) where our hacked account was used to request payment to an account at Truist bank on XX/XX/XXXX & XX/XX/XXXX Routing : XXXX Acct : XXXX Upon realizing the fraud, we contacted our bank, XXXX XXXX ( before noon on XX/XX/XXXX ) to try to have Our payment cancelled or returned. XXXX XXXX says it could not be stopped. 


I had contacted Truist bank by phone on XX/XX/XXXX and did not hear anything back.
Consumer complaint received 2023-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC (IL)

My loan servicer Lakeview Loan Servicing through https : //lakeviewloanservicing.myloancare.com has not provided me with an escrow analysis it performed on XX/XX/2023. 

I most recently called on XX/XX/2023 after noticing my XXXX monthly payment was raised over {$500.00} with absolutely no notice provided. 

I called the support line XXXX at XXXX XXXX  to request an explanation of the escrow analysis and their automated phone tree said there are no representatives that can assist. I have tried all possible combinations of the phone tree, including making a payment through a representative, and all avenues lead to having the call end after an apology message is read. 

I followed instructions to the Document Center that should provide a self service option to download the analysis. There are no historical or current escrow analysis present.

As it stands there is no way for me to contact my servicer about this.

1. They provide no email option 2. Calling does not lead to any menu option or representative that answers my question.

3. Their online contact form only handles specific payment requests, not questions of the escrow analysis.
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the XXXX XXXX XXXX XXXX XXXX XXXX : XXXX BANK XXXX CRED Card No - XXXX XXXX. Past Due- {$490.00} XXXX. Last XXXX XX/XX/XXXX XXXX. Account Verified XX/XX/XXXX I already contacted XXXX XXXX XXXX on the Account and received inaccurate response. 

In Accordance with the Fair Credit Report Act Bank XXXX XXXX Credit Card account XXXX violated my rights. 
15 U.S.C. 1681 Section 602 A 1 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. 

Kindly delete the account. 

Thanks XXXX XXXX
Consumer complaint received 2023-09-13
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. (CA)

My name is XXXX XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-07
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: BARCLAYS BANK DELAWARE (NJ)

Subject : bait-and-switch scheme RE : XXXX XXXX XXXX  card XXXX XXXX XXXX XXXX Transaction Date : XX/XX/2023 Amount Paid : XXXX Payment Method : Barclay Credit Card I agreed and confirmed that the price for car rental was {$280.00}. ( see attached ) Upon arrival to pick up the car, I was requested to pay an additional {$170.00}. 
I refused to pay, did not take car delivery, and left the office. 

XXXX XXXX XXXX XXXX runs a classic bait-and-switch scheme, especially geared toward XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ). 
Unfortunately, XXXX XXXX XXXX card involved and supports this bait-and-switch scheme and refuses to fix this situation. 
To confirm my view, you can also visit those two sites : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You'll see literally hundreds complains about XXXX XXXX XXXX and XXXX XXXX XXXX Regard, XXXX XXXX
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

When I reviewed my credit report, I discovered that these items were erroneous. The credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The following inquiries are on my credit reports and I didn't give permission for my credit to be ran XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I carry a {$0.00} balance on my QuickSilver credit card with Capital One. I was assessed an annual fee of {$39.00} on XX/XX/XXXX. I did not realize I owed anything on the card ( the annual fee ) and was assessed a late fee of {$25.00} on XX/XX/XXXX ( less than one month after the fee was assessed ). As a result, I closed the account within 39 days of the annual fee being assessed, which, per Capital One policy means they will now reverse the {$39.00} fee. However, they will not reverse the {$25.00} late fee they assessed on the annual fee that i no longer owe. Enjoy the last {$25.00} you ever get from me.
Consumer complaint received 2024-04-01
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. (SC)

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 inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX  XXXX || Date of inquiry : XX/XX/XXXX XXXX XXXX || Date of inquiry : XX/XX/XXXX
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 XXXX 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 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

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. 

Account Name : XXXX  XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Subject : Dispute of Inaccurate Credit Information - Reference to Federal Laws and FCRA Violations Dear Consumer Financial Protection Bureau, I am writing to formally dispute the accuracy of certain information that appears on my credit report, as furnished by the credit reporting agencies. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) and referencing federal laws that pertain to my credit information. I kindly request that the Consumer Financial Protection Bureau investigate, intervene, and delete all information that is not 100 % accurate per consumer law on my credit report as soon as possible. 

Additionally, I previously submitted complaints to the CFPB ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) requesting deletion of all inaccurate information and monetary compensation for each violation in accordance with the FCRA, other Federal Laws and regulations. 

The specific inaccuracies I am disputing pertain to the following charged-off accounts, which have been reported on my credit report : XXXX. XXXXXXXX XXXX # XXXX charged off XXXX. XXXX XXXX  # XXXX charged off XXXX. XXXX XXXX XXXX XXXXXXXX charged off ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  # XXXX charged off ( Original Creditor : XXXX XXXX ) XXXX. XXXX # XXXX charged off XXXX. XXXX # XXXX charged off XXXX. XXXXXXXX XXXX XXXX XXXX charged off XXXX. XXXXXXXX XXXX XXXX XXXXXXXX charged off XXXX. XXXX XXXX XXXX # XXXX charged off XXXX. XXXX XXXX  # xxxxxxxxx charged off XXXX. XXXX XXXX # XXXX charged off I dispute the accuracy of these charged-off accounts, as well as the reporting of income information on my consumer report, which is in direct violation of my rights and has caused serious harm to me and my family. 
Furthermore, I am seeking monetary relief of {$1000.00} per violation for the following dating back to XX/XX/XXXX to present : 1. Defamation of Character.

2. Negligent Infliction of Emotional Distress.

3. Violations of 15 U.S.C 1666 ( b ).

4. Violations of 15 U.S.C 1681. 

I kindly request that the Consumer Financial Protection Bureau intervene and ensure that the credit reporting agencies promptly investigate these matters and delete the inaccuracies on my credit report. Please provide guidance and assistance to ensure that my rights under the FCRA are protected and that I receive the monetary relief to which I am entitled. 

In accordance with the FCRA, I expect a thorough and timely investigation into these disputes, and I request that the Consumer Financial Protection Bureau work towards a resolution of these issues. Attached is my consumer report for you review. 

Thank you for your attention to this matter, and I look forward to your prompt response and assistance in resolving this matter. 

Sincerely, XXXX XXXX