davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (MS)

I am writing to dispute the validity of the alleged debt associated with the account referenced above. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692c ( c ), I am previously requested that you cease all communication with me regarding this matter. 

Under the FDCPA, I have the right to request that you cease communication with me regarding this debt. I am exercising this right by way of this letter. Please consider this a formal request to cease all communication, both written and verbal, concerning the alleged debt. 

Furthermore, I demand that you remove all information related to this disputed debt from all three major credit reporting agencies : XXXX, XXXX, and XXXX. Continuing to report this disputed debt would constitute a violation of the Fair Credit Reporting Act ( FCRA ). 

Please be advised that failure to comply with this request will result in further action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies available under the FDCPA and FCRA. 

I expect your prompt attention to this matter and confirmation in writing that you have ceased all communication and have removed the disputed account from all credit reporting agencies within 14 days of receipt of this notice. 

Thank you for your cooperation in this matter.
Consumer complaint received 2023-12-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MO)

I have filled out numerous IDR applications because the initial monthly payment Mohela charged was incorrect under the SAVE plan. The information on the application has always been the same but the payment has changed with new applications but it still not correct. The last application I filled out with a Mohela representative over the phone. She told me I could be placed in forbearance but I would still accrue interest so I opted to make the payment. Under the SAVE plan some of the interest being charged to my account would be covered under the SAVE plan interest laws since it would exceed the initial amount of my original loans if Mohela was actually charging me the correct amount monthly based on my income and family size. I have called numerous times and today was on the phone with Mohela for over 5 hours before an automated message stated that a representative would not be able to answer my call today and if I would like a call back next business day to press # 1. I pressed # 1 and verified the phone number but Im not optimistic I will actually received a call back based on the multiple calls Ive already made and the messages Ive sent with no response.
Consumer complaint received 2023-08-03
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: Experian Information Solutions Inc. (FL)

I have asked the credit bureau to do a verification of everything on my credit report, they did and stated everything on my report is accurate. Afterword I verified and did my own research to make sure everything stated by all 3 credit reporting companies was accurate and correctly shown in all 3. I found inconsistencies and improper use of my information by all 3 credit bureau companies even after I requested that everything be accurately verified. in accordance with the Fair credit reporting act Convergent Account : # XXXX ( XXXX XXXX # XXXX ( XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX ( XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX # XXXX ( XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) # XXXX ( XXXX XXXX ) # XXXX ( DEPT OF ED/XXXX ) # XXXX ( XXXX XXXX ) have ALL 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 a account without my written instructions.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX trans union reported a eviction on my report from the same apartment resident, with a civil dismissal and no court reported amount. 
Unaware of this report and its recording. In XXXX I was denied approval on multiple occasions from apartment complex after running my credit report. I was unable to lease an apartment so I end up living in an XXXX  for XXXX mos. While attempting to dispute credit report claims that were inaccurate. In some cases with other reporting agencies I was able to raise my score but this action did not change my rental history because I was unaware and not familiar with Rental screening solutions. No rental agency would forward the information to the consumer. 

Trans Union as we speak is still reporting that I was evicted twice from the same residence. I can assure you I have never been evicted. This has cause so much stress and anxiety in my life not to mention the amount of money from being rejected on applications.
Consumer complaint received 2023-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC (AZ)

Today, XX/XX/2023, I tried to make a payment for my mortgage through XXXX XXXX. When I tried to make a payment, the website said that there was an error and to submit again. I tried XXXX  more times with the same error. A XXXX of XXXX later, I received XXXX e-mails saying that my payment was received. This will cause an overdraft of my bank account. When I tried to call the mortgage service, I tried following every different possible option in their automated system, all of which eventually led to me being told that an agent would not be available to assist me.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I called to request an update to my credit dispute filed with Transunion regarding XXXX late payments. I called Transunion today at XX/XX/ and spoke with Transunion representative XXXX. He looked up the dispute and told me that the XXXX dispute was investigated and Transuinion determined that in fact XXXX should not have marked my account late for 4 months and that as a result Transion deleted these late marks on my credit report. I thanked XXXX for providing the information. He also said he will send a copy of the report in the mail. Transunion 's system has been very slow and I've been unable to get a credit report online, which is why I called XXXX. After hanging up with XXXX, I tried to again pull up the online report and miraculously, it worked. However, to my surprise, Transunion never actually updated my report as XXXX promised that they did. All 4 months still show late for XXXX as they originally did despite XXXX confirming that Transunion investigated and confirmed they should not have been marked late. Transunions continual inaccuracies and incorrect information is plaguing my credit report and making it so very difficult to get update and accurate information that I am unable to appeal and don't know the proper steps because they simply lie to get out of doing their due diligence. Please hold Transunion accountable for their habitual and willful neglect. Thank you kindly.
Consumer complaint received 2023-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Firstsource Business Process Services, LLC (FL)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 
Under 15USC -1681 section 602 states I have the right to privacy.

15USC -1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instruction.

Under 15USC-1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-08-29
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. (NV)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section XXXX ( a ) ( XXXX ) ( A ) & Section XXXX ( a ) ( XXXX ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section XXXX ( a ) ( XXXX ). Please be advised that under Section XXXX ( a ) ( XXXX ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 
Sections XXXX and XXXX provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 
Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU XXXX LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following accounts, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-09-15
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. (NJ)

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be REMOVED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

My name is XXXX XXXX Im a citazens account holder I deposited a check in to my account back XX/XX/ and for some reason that my bank has put a hold on my money and has refused to give me my money the hold was ment to expire XX/XX/ and I still havent received my money the bank has now extended the hold again till XXXX next year no body has helped me Im getting very annoyed and dont like the way I have been treated if some body could help me with this situation I would be very great full thank you my phone number is XXXX if someone call me
Consumer complaint received 2023-09-20
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: CITIBANK, N.A. (PA)

A fraudulent charge of {$210.00} was made on my account on XX/XX/23. I reported this as an " unrecognized charge '' immediately when it was posted. As I think most people would think, I thought reporting an " unrecognized charge '' would be considered reporting fraudulent activity. After a week or so I was curious as to why they had not canceled my card and issued a new one, so I logged into my account, and see that CITI misclassified this as a purchase dispute with the vendor, rather than a fraud dispute. I immediately canceled the dispute to resubmit as a fraud dispute, but the system did not allow me to resubmit a dispute, so I immediately called to have them fix the issue -- this was XX/XX/23. I was assured the issue would be fixed and that I did not have to make payment for the fraudulent charge. After two weeks of not seeing anything on my account to indicate the issue was fixed, I called again on XX/XX/23... they did not see anything to indicate the issue was in the process of being resolved based on my previous call and again assured me the issue would be fixed and that I did not have to make payment. I had a repeat of this exact same call on XX/XX/23, again on XX/XX/23, again on XX/XX/23, and on XX/XX/23. The due date for my payment for the statement including this charge was XX/XX/23 -- since then, I have been receiving calls almost daily stating that my account is past due. This issue has still not been resolved, and I'm just told the same thing every time I call : " I don't see that this has been reported as fraud, we'll get the case opened, you do not need to make payment while this is being investigated. '' CITI seems to not have any desire to resolve the issue.
Consumer complaint received 2024-07-01
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. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2023-08-29
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. (CA)

My credit report is still showing late payment on XXXX XXXX XXXX XXXX XXXX despite the multiple letters I sent. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX customer service representative.
Consumer complaint received 2024-04-18
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$3700.00} XXXX XXXX Balance Owed : {$2200.00}
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-18
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 recently looked at my credit report and noticed incorrect information on my report. 
The information youre reporting is inaccurate on my credit report. You are reporting a late payment for all through XXXX XXXX This is not true, I was never late on this account. Also, a late payment for XXXX is not correct either. 
I request that you verify the information and update the payment history on this account as PAID, NEVER LATE immediately. 
After doing so please provide me with an updated credit report reflecting the changes.
Consumer complaint received 2024-04-18
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: Experian Information Solutions Inc. (TX)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with XXXX 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 my 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 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 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
Consumer complaint received 2024-04-18
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquires on my credit report that are not factual information these do not belong to me! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-05
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. (NC)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
Consumer complaint received 2024-08-21
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. (OH)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}