davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NY)

I am unable to access my free credit report from Equifax either directly through the portal or from " XXXX. '' I need access to this report to ensure that my data and credit is consistent across all of the credit bureaus. Their two-factor authentication codes, sent to my mobile device, did not work, and then when I tried again I received a generic " we are unable to process your request at this time, '' which is ridiculous given that the other websites were able to help me without issue. 

I need access to my Equifax credit report to ensure that all of my information is correct.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Transunion is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXX Date Opened XX/XX/2019 Balance {$25000.00}
Consumer complaint received 2023-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX, XXXX financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, XXXX, XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-06-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Fay Servicing, LLC (CA)

I would like to request your assistance, as XXXX in XXXX XXXX, with an issue I am having with Fay Servicing. 

My name is XXXX XXXX, mortgage account number, XXXX XXXX XXXX. For many years, as a customer of XXXX XXXX, and now with XXXX, I have been paying my mortgage by XXXX XXXX autopay, and have bought my own home owners and flood insurance. 

I recently noticed my mortgage payments went from about $ XXXX to $ XXXX. I researched this and found the cause was because Fay is paying XXXX XXXX for my flood insurance. I am attaching a document from XXXX, affirming my payment to XXXX, XX/XX/year>. For some reason, and without adequate explanation, XXXX refunded me the amount of my payment. At first, I assumed that I paid XXXX twice, by accident, and then they reimbursed me. Considering overlapping email, text and letter solicitations for payment, is not uncommon for me to pay for services twice. The payment then generally gets credited to the following month 's bill. Unfortunately, after Fay started paying for my Flood insurance my mortgage payments have gone up. I have contacted Fay by email and have called several times to straighten it out. At this point, I have been advised by XXXX XXXX, that i can write an email asking Fay to allow me to pay for Flood insurance. Once that happens, my mortgage payment will only increase to about $ XXXX month. That seems unfair to me, considering the totality of the circumstances. 

All I am asking for is to pay XXXX on my own and pay the usual mortgage payment of about $ XXXX. I have already paid {$3000.00} to bring my account up to date. Apparently because of this snafu, my escrow fell short. 

To me, this seems terribly unfair. A long term customer paying by autopay, and self paying home insurance and flood insurance gets caught in the bureaucratic hierarchy of who's flood insurance policy takes precedence, the customer 's or the bank 's. 

I realize that you are in charge of quality control. This to me is a complex issue and has probably happened to others as well. Perhaps quality control changes could create a protocol where the Insurance company and Fay ask the customer clearly, if their intention is to pay for the insurances or whether they want to bank to pay. That kind of transparency would go a long way and would save needless hassles and annoyance. 

Very short point. The phone menu/transfer system is redundant and demoralizing. It wears you down. Please look at it and try to streamline it. 

Thank you for your attention. I await your kind response. 

XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-27
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. (TX)

I am writing to follow up formally to dispute inaccurate information that remains on my credit report despite my previous attempts to resolve this matter. This is my attempt to correct the incorrect late open accounts listed on my credit report. Despite these efforts, the inaccuracies persist. The incorrect late open accounts are adversely affecting my credit score and causing me significant distress and inconvenience. 
I urge you to correct these errors promptly and send me an updated copy of my credit report. Please also provide me with the results of your re-investigation in writing. I believe the Fair Credit Reporting Act ( FCRA ) grants me the right to dispute information and expect a timely and accurate correction. These are the accounts I want to be corrected : XXXX XXXX XXXX XXXXXXXX Balance : {$2500.00} ; XXXX XXXX Balance : {$100000.00}.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I recently contacted EQUIFAX to have an inaccurate address removed from XXXX XXXX XXXX XXXX consumer report. The address XXXX XXXX XXXX XXXX XXXX Al XXXX is inaccurate, and I Believe this address may have stemmed from from identity theft pertaining to and a fraudulent account directly related to XXXX XXXX XXXX. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga. I have attached in this complaint my ID my social security account number and a lease I have with this real estate property.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I called transunion on XXXX XXXX. I spoke with a representative who informed me my credit report has not been updated since XXXX for my XXXX loans. It shows I owe XXXX in XXXX loans because they have duplicated information on my credit report. 

I explained the still currently have XXXX and XXXX Bankruptcy, XXXX XXXX XXXX, and XXXX. 

When speaking with the represetative my credit report with Transunion has not been updated since XXXX. She did see all of the documents and certified mail I sent in to dispute the information. 

I requested for them to remove all XXXX  loans which are reporting inaccurrately the agent informed me it was my responsibility to send them the corrected information. 

he Fair Credit Reporting Act ( FCRA ) XXXX became effective on XX/XX/XXXX. The FCRA is a part of a group of acts contained in the Federal Consumer Credit Protection Act3 such as the Truth in Lending Act and the Fair Debt Collection Practices Act. 

1. My XXXX  loans are reporting Inaccurately and should be Removed because they have not bother to report correctly since XXXX. 
2. XXXX is a collection agency and is not reporting information which is contractual agreed upon. 
3. XXXX XXXX XXXX has been on my credit report since XXXX and it is extended.
Consumer complaint received 2024-06-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY (MN)

So say I have XXXX in my account and spend XXXX the card gets charged like normal then a few days-the week later later the money comes out again when I dont have the funds and I get hit with several overdrafts cause of this. I contacted them and they claimed they were per purchase but I was told also a while back they cant hit you with more than XXXX overdraft fee a month. I got XXXX in XXXX month cause of the issues i just described. ALSO I wanted to involve myself into the class action settlement for the data breach they had and any others you could possibly do for me.
Consumer complaint received 2024-09-18
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. (AR)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AR, XXXX XXXX XXXX XX/XX/XXXX Charge-off Dispute for Account XXXX I am writing to formally dispute the charge-off status of my account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AR, XXXX XXXX XXXX XX/XX/XXXX Charge-off Dispute for Account XXXX I am writing to formally dispute the charge-off status of my account, XXXX XXXX XXXX XXXX XXXX which is currently listed on my credit report. I believe this entry is inaccurate and would like to request a thorough investigation into this matter. Details of the Account : - Account Holder Name : XXXX - Account Number : XXXX - Creditor Name : XXXX XXXX XXXX XXXX Date of Charge-off : XX/XX/XXXX- I request that you verify the accuracy of this charge-off with the creditor. If you find that the information is inaccurate, I ask that you correct or remove this entry from my credit report as required under the Fair Credit Reporting Act. Please find attached copies of relevant documents, including [ list any documents, such as payment records, correspondence, etc. ], to support my dispute. I appreciate your prompt attention to this matter and look forward to your response within the 30-day investigation period as stipulated by the Fair Credit Reporting Act. Thank you for your assistance. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To whom it may concern, It has recently come to my attention that a fraudulent account has been reported to my credit report by XXXX XXXX XXXX. I have no relationship with this company ; no contracts exist between myself and this company, nor has any contract ever existed. 

Furthermore, I have perfect payment history on all of my accounts. I have no late payments or collections of any kind. 

I sincerely appreciate your help in this matter.
Consumer complaint received 2023-08-16
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. (OH)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-01
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Andrews & Cox, P.C. (VA)

GOT THIS LETTER TODAY FROM : ANDREWS AND COX, P.C.DBA BLEECKER, BRODEY & ANDREWS XXXX XXXX XXXX XXXX, Indiana XXXX RE : XXXX XXXX XXXX Our File Number XXXX Balance due as of date of this letter {$5000.00} XXXX XXXX the collections manager has already been informed SSR 79.4 Sections 207,452 ( b ) 459, and 462 ( f ) ( 42 U.S.C. 407, 652 ( b ) 659, and 662 ( f ) ) LEVY AND GARNISHMENT OF BENEFITS. Generally Social Security benefits are exempt from garnishment or other legal process, or from the operation of any bankruptcy or insolvency law Any harassment will be grounds for a complaint to the Consumer Financial Protection Bureau. 


Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-01
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC (AE)

The company has not processed my XXXX request to reduce the interest from XXXX % to XXXX  %. I've sent multiple emails to the company and the company still haven't processed the request. In addition, the company is still forcing me to make the full payment every two weeks, stating that if I do not make the payments I will be in breach of the contract.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX Account Number - XXXX I hereby dispute the validity of the alleged debt listed below Entirely. I also request verification of the alleged debt, specifically, a copy of the ORIGINAL PURCHASE AGREEMENT. AGREEEMENT must be with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about the same alleged debt. I am requesting Immediate deletion of all prior reporting made to any consumer reporting agencies, Experian, XXXX, XXXX and XXXX. You must Cease Collection efforts until this alleged debt is validated. You must show proof that you Legally own this alleged debt and that it is accurate and complete. Thank you
Consumer complaint received 2023-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The data on my credit report has not been refreshed since XX/XX/2023, and we are now in XXXX of the same year. This outdated information does not accurately reflect my current financial situation, and it may impact my ability to make important financial decisions.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I called transunion on XXXX XXXX. I spoke with a representative who informed me my credit report has not been updated since XXXX for my student loans. It shows I owe XXXX in students loans because they have duplicated information on my credit report. 

I explained the still currently have XXXX and XXXX Bankruptcy, XXXX XXXX XXXX, and XXXX. 

When speaking with the represetative my credit report with Transunion has not been updated since XXXX. She did see all of the documents and certified mail I sent in to dispute the information. 

I requested for them to remove all student loans which are reporting inaccurrately the agent informed me it was my responsibility to send them the corrected information. 

he Fair Credit Reporting Act ( FCRA ) 2 became effective on April 25, 1971. The FCRA is a part of a group of acts contained in the Federal Consumer Credit Protection Act3 such as the Truth in Lending Act and the Fair Debt Collection Practices Act.

1. My student loans are reporting Inaccurately and should be Removed because they have not bother to report correctly since XXXX 
2. XXXX is a collection agency and is not reporting information which is contractual agreed upon. 
3. XXXX XXXX XXXX has been on my credit report since XXXX and it is extended.
Consumer complaint received 2024-01-16
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. (NC)

In accordance with the Fair Credit Reporting act XXXX account # 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 USC 1681e ( b ) ensuring maximum possible accuracy.
Consumer complaint received 2018-02-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC (PA)

On my XXXX  report there's a questionable collection notice from XXXX for XXXX and I haven't had anything to do with them in over 10 years but on the collection notice it states that I opened an account XXXX of 2017 which is not true. I disputed it on XXXX  and immediately resolved. But XXXX  their system will not let me do the same because it's always down. 
So this is my situation.
Consumer complaint received 2024-05-29
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC (ID)

I took out a few advances from this company over the last few years and I did not expect or understand the exorbitant interest fees they were going to charge me. I believe they are charging me a 360 % interest rate payment its my payments being around {$320.00} per month. I simply can not afford this anymore and am considering changing my bank acct so that they can not continue to charge me. When I tried to call them, I was taken to an XXXX XXXX  prompt which asks for your acct information. I plugged my information in like 5 times and the XXXX says that they can not retrieve any of my acct information.
Consumer complaint received 2022-06-21
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. (NV)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX associated with 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 a
lso states a consumer reporting agency can not furnish a account without my written instructions. 

The following Accounts : XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXX
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (AZ)

Santander is reporting XXXX late payments on my account : XXXX from XX/XX/XXXX and XXXX from XX/XX/XXXX. I have attached a payment confirmation proving that a payment was made in XXXX. This late payment is inaccurate. The vehicle was sold in XX/XX/XXXX and I no longer had possession at that point. The account was paid in full and was NOT late in XX/XX/XXXX. This is also inaccurate.
Consumer complaint received 2023-05-03
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: EQUIFAX, INC. (NY)

My name is 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 account. I have no knowledge of this and all is being investigated 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. Please delete the account : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$0.00}
Consumer complaint received 2024-05-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (TX)

On XX/XX/XXXX, I acquired a loan with Homepoint financial for {$410000.00}. I paid my mortage every month and on time. On XX/XX/XXXX, my mortgage was transferred from Home Point Financial Corporation to Mr. Cooper, powered by XXXX. Then I recieved notice that effective XX/XX/XXXX, the servicing of your mortgage with XXXX XXXX XXXX, Account XXXX. ending in XXXX, for the property located at XXXX XXXX XXXX, XXXX, TX XXXX, has been transferred to Mr. Cooper, subservicer for XXXX XXXX XXXX XXXX XXXX. The entire time, I have made my payments on time. Now that I am doing my bookkeeping for XXXX and XXXX, I see that homepoint made a grave mistake. They did not report my payments to Mr Cooper. As of now, there is over {$13000.00} in payments that have not been accounted for on my loan. I tried reaching out to Homepoint via phone and email. I can not get anyone. I reached out to Mr Cooper via email many times to procure my mortgage statements and XXXX from XXXX. I have not gotten it. I did get the XXXX XXXX and it shows the mistake made. When I look at the statement, it shows my outstanding mortgage principle to be {$410000.00} for the end of the year. This means they did not credit me for a single payment made. Notice the end of XXXX balance is also the same amount as the begining amount for the mortgage at XX/XX/XXXX. I am messaging you because I have exhausted all means and this is an EXTREMELY serious mistake. My original mortage account number with Homepoint was XXXX. My new mortgage account number with XXXX XXXX is XXXX