davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-04-05
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: Experian Information Solutions Inc. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. Please see attached file for these items I am complaining.
Consumer complaint received 2023-05-01
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. (IL)

I have tried several times to dispute an entry for my XXXX XXXX XXXX XXXX account.. The entry on my transunion report is that there has been no payments recorded since XXXXXXXX XXXX. It also states that I am in a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It says that the last payment I made on the account was in XXXX, XXXX this is simply not true. I originally contacted them about my credit card entry and Transunion removed the credit card from my report. Then I contacted them again and they said, that I had to contact the creditor to have them report it again so that it can be put back on my credit report. I did that and XXXX XXXX XXXX  stated that they would send the information to Transunion and that it would be placed back on my report reporting all information from the time of removal now that it was verified. It was placed back on my credit report but no information is being reported since XXXX XXXX. I have not been in a XXXX XXXX for over a year and I successfully was dismissed/discharged from my bankruptcy in full compliance as I completed it successfully. XXXX XXXX XXXX XXXX XXXX Account was never included in my bankruptcy. All other credit cards are being reported accurately, however, this one credit card is not. It is not reporting payment history or reflecting an appropriate balance. I have unsuccessfully gone to both Transunion and XXXX XXXX and the problem has been ongoing since XXXXXXXX XXXX. I am desperately doing everything I can to improve my credit and I just want my report to accurately and timely reflect my payments, credit history and standing with XXXX XXXX XXXX
Consumer complaint received 2023-12-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (PA)

My student loans are managed via Mohela. Several months prior, in XXXX of XXXX, I had applied for the XXXX XXXX plan which gave me a monthly payment of XXXX per month. While this plan application was pending, my student loans were placed in forbearance. However, I received a notification in XXXX that I had a pending payment of {$3600.00} on my account due XX/XX/XXXX, which appeared to be consistent with the standard repayment plan ( highest rate of repayment ). I spoke with a Mohela representative on Wednesday XX/XX/XXXX, and was transferred to a " plan XXXX '' who informed me I was in fact approved for the XXXX plan with a monthly payment of ~ {$1400.00} per month, however, the XXXX plan does not take effect until XX/XX/XXXX. She informed me that my current pending charge was an error that occurred because the XXXX plan did not take effect until XX/XX/XXXX. To rectify this, she stated that she would place my account into forbearance for the month of XXXX, with my next payment to be due in XXXX in the amount of ~ {$1400.00}, according to the XXXX plan. I assumed the issue had been resolved after this conversation. 

On Friday evening, XX/XX/XXXX, I received an email notification from Mohela noting that I would still have a an automatic withdrawal of the {$3600.00} from my account on XX/XX/XXXX. When I attempted to go onto the website and pause this payment manually ( the Mohela offices were closed given that it was the evening going into a holiday weekend ), I received a notification stating " your auto debit payment has already been sent for processing. You may come back to request a cancellation after your current due date has passed ''. Since the next several days ( XX/XX/XXXX, XXXX XX/XX/XXXX ) are a holiday weekend, I am unable to speak to anyone from Mohela until XX/XX/XXXX, after the charge has already been withdrawn. 

Now, I have been charged an amount almost XXXX the amount agreed upon by my IDR plan, which I had initially submitted over 6 months ago, despite directly discussing this issue ( and allegedly resolving it ) with a Mohela representative XXXX hours prior. In addition, by the time they sent me the email " reminder '' of this intended auto-debit, XXXX hrs prior to the scheduled withdrawal, it was already too late to stop or suspend the automatic withdrawal according to their website. Not only are they unable to effectively correct their own errors, but they make it impossible for the borrower to correct them.
Consumer complaint received 2023-12-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (FL)

On the XXXX XXXX XXXX I spoke with representative of Credence resource management about an allege bill with XXXX XXXX. In that conversation I was provided an email to send to them to verification from the hospital the bill was settled. I provided it on the XXXX XXXX XXXX  and on that day they still reported my account as delinquent even though I provided them with the information and paperwork stating stating other wise. It has negatively affected my score XXXX XXXX. Even in conversation Credence told me they would report until XXXX latter and would give me time to get them the info. They reported that same day and I got them the info once they sent the correct email address
Consumer complaint received 2023-12-17
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. (LA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Subject : Urgent : Fair Credit Reporting Act ( FCRA ) Violations in My Credit Report Dear Transunion, I hope this message finds you well. I am writing to address critical discrepancies uncovered in my credit report, which blatantly infringe upon the regulations outlined in the Fair Credit Reporting Act ( FCRA ). Unfortunately, persistent errors persist in my credit profile, indicating a significant oversight of FCRA compliance within your agency. 

To clarify : The Fair Credit Reporting Act is a pivotal federal statute governing the precise collection and reporting of consumer credit information. It mandates the accurate acquisition, retention, and disclosure of a consumer 's credit data, thereby ensuring transparency and fairness in credit reporting practices. 

The identified instances of FCRA violations include : Inaccurate financial data provided by creditors to reporting agencies. 
Merging of individuals ' information based on similarities in names or social security numbers by agencies. 
Neglect of prescribed dispute-handling protocols. 
Under the Fair Credit Reporting Act, I am entitled to specific rights, such as : The right to verify the accuracy of my report, especially concerning employment purposes. 
Notification if information in my file has been used against me in credit applications or other transactions. 
The authority to dispute and request bureaus to rectify and remove incomplete, erroneous, or unverifiable data. 
Removal of outdated negative information within the prescribed time frames. 
I formally request the immediate rectification of the listed items below. These items egregiously breach FCRA standards due to inaccuracies, lack of verification, and continued invalidation. Their presence has caused significant distress, particularly evident in my recent credit application denial due to errors originating from your agency. 

1. XXXX XXXX Account Number : XXXX I was never late on this account. Please remove those late payments. 

2. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  I have no recollection of authorizing this credit pull and I demand this to be removed. 

4. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

I anticipate prompt and comprehensive action to address these violations within the FCRA 's mandated timeframe. Failing to comply will, unfortunately, leave me with no recourse but to pursue legal measures to ensure my rights under the FCRA are fully upheld. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

I have always ensured prompt payments on this account and never allowed them to be overdue. I am not sure why there are late payment remarks on my accounts. As per 15 USC 1666b, this billing error should be corrected.
Consumer complaint received 2024-05-01
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 to express my profound disappointment with your recent assertions regarding my accounts. I categorically reject these claims on the grounds that you lack any material facts or evidence to substantiate them. Consequently, I urge you to promptly commence a comprehensive investigation into these matters. 

Your assertions have cast doubt upon my financial standing and have the potential to significantly damage my creditworthiness. It is imperative that we resolve this issue swiftly and accurately. 

I demand that you immediately challenge these accounts and furnish me with clear, documented evidence to support your stance. Failure to do so will compel me to seek legal recourse to safeguard my rights and rectify this situation. 

XXXX XXXX and XXXX XXXX. 

I trust that your bureau will adhere to the principles of fairness and accuracy in addressing this matter and that you will treat my concerns with the gravity they deserve. I anticipate a timely response and a commitment to conducting a thorough investigation into this dispute.
Consumer complaint received 2024-05-01
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. (UT)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Patient Accounting Service Center (OR)

In late XXXX I received billing statements for a medical service from " XXXX XXXX '' claiming I had incurred a medical service expense of {$310.00} in XX/XX/XXXX, and that a medical insurance company had made an " adjustment '' in XX/XX/XXXX and claiming that as a result I now owed {$260.00}. I went to the company 's Contact Us website www.gohealthuc.com and posted the questions below and never received a response. 

Questions asked : What were the services delivered on XX/XX/XXXX for which I was charged {$310.00}? 
What insurance company made a payment of {$260.00} on XX/XX/XXXX? 
What insurance company made an insurance adjustment ( {$310.00} ) on XX/XX/XXXX, which is a year-and-a-half after the original service date? 
What is the reason for the insurance adjustment on XX/XX/XXXX? 

I subsequently received a billing statement from a " debt collector '' called ARstrat claiming they were collecting the same debt. I sent them a letter in the mail with the same questions above, but never received a response. I then received a second collection notice, and called the phone number provided for Customer Support ( XXXX ) XXXX. I received an automatic/robot which asked for my social security number in order to process my inquiry. When I declined to input my SSN, the robot said their offices were closed and hung up. I believe this whole thing to be a fraud.
Consumer complaint received 2019-11-13
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: Trident Asset Management, L.L.C. (VA)

I have submitted several disputes with them about this XXXX  account to no avail. I have called directly ( XXXX  ) and they have no record and told me to contact the data furnisher. I have included my identity theft report from the FTC and police dept.
Consumer complaint received 2023-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

Consumer Financial Protection Bureau Complaint Department Complaint : Inaccurate Credit Reporting and Debt Collection Practices Date : XX/XX/XXXX I am submitting this complaint against XXXX XXXX XXXX for their violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Account Information : Account Number : XXXX Company : XXXX  XXXX XXXX Violations : - Inaccurate credit reporting : The company has reported an account as being late over 120 days, despite being paid in full. 
- Failure to investigate disputes : Despite two previous disputes, the company has failed to investigate and correct the inaccurate information. 
- Debt collection practices : The company has attempted to collect a debt that has already been paid in full. 

I have requested that the company : - Delete the inaccurate information from my credit report - Provide a corrected credit profile to all creditors who have received a copy within the last 6 months - Provide the name, address, and telephone number of each credit grantor or subscriber - Describe the procedure used to determine the accuracy and completeness of the information However, they have failed to respond or take any action to resolve this matter. 

I believe that XXXX XXXX XXXX 's actions are in violation of the FCRA and FDCPA, and request that the CFPB take appropriate action to hold them accountable. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX Date of Birth : XX/XX/XXXX SS # : XXXX
Consumer complaint received 2023-07-04
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: Experian Information Solutions Inc. (FL)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Account # XXXX To whom it may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of $ {$8800.00} This is a violation of the FCRA and is in violation of requisite METRO2 Compliant reporting standards.

According to the Fair credit Reporting Act I have a right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate.
Consumer complaint received 2023-12-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: PNC Bank N.A. (PA)

PNC Bank responses to my request of other fees on my Mortgage statement ( {$20000.00} ) has not been met from the two previous complaints filed with CFBP. 
Specifically, Amount paid to XXXX XXXX XXXX during the scheduled foreclosure sales of XXXX  and XXXX are not reconciled with the itemized bill from XXXX XXXX XXXX XXXX XXXX. ( See attached documents from the Sheriff 's office ). 
The itemized bills are as follows : In XXXX PNC paid to the Sheriff $ XXXX XXXX  PNC paid {$230.00} and in XXXX PNC paid {$2500.00} for a total of {$5800.00}. 
PNC claims {$9300.00} on their invoice as amount paid to XXXX XXXX XXXX. ( see attached invoice from PNC. 
There is a discrepancy between the two invoices from the Sheriff and PNC.Therefore, PNC must be accountable for the difference of {$3400.00} and have them reduce the fees on my Mortgage statement by this amount pending further investigation into the fees.Include, but not limited to appraisals, attorney fees, foreclosure fees etc.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Account # XXXX To whom it may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of $ {$8800.00} This is a violation of the FCRA and is in violation of requisite METRO2 Compliant reporting standards. 
According to the Fair credit Reporting Act I have a right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate.
Consumer complaint received 2024-01-11
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (LA)

I contacted Synchrony Payment Security at XXXX regarding my benefit request on XX/XX/. I inquired about the current benefit request : XXXX and asked how many payments were remaining. I was told that a total of ( 6 ) payments would be made and I had ( 2 ) payments remaining that would go towards my Paypal account balance. I was instructed to send in additional information with my form in order to receive further benefits. I was asked if I would prefer the form via mail or email. I informed her that I would prefer email so that I can take care of the matter at the time. I thanked the rep and sent an email inquiry regarding " the additional information '' on XX/XX/ at XXXX PM. I noticed the form did not include what was required to send in to further benefits. I have yet to receive an email reply. I called back on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was told something completely different. I was told that I was only able to receive a total of ( 6 ) payments up to {$10000.00} as the result of a reduction in work hours. I informed the rep that was the first I heard of that and I was told something completely different on XX/XX/. As of XXXX XXXX XXXX, a benefit request payment was not made to my Paypal account. I incurred a late fee as the result of not paying. I did not remit a payment because I was told I had ( 2 ) more payments that would be applied to my account. It should be noted that this is not the first time I had an issue with the Payment Security benefit process. It is a difficult process and the advertising regarding the add on is very misleading. I had a reduction in work hours as the result of being a part of a class action lawsuit against my employer and I am already experiencing stress in that regard. This process is adding to it. I did not pay to misled and have my account fall further behind.
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent 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