davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MA)

Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I seen on my credit report that i have a charge off/ closed account on my credit report that were not placed by me! I would like them removed off my account due to it being associated with identity theft. I did submit a report to the FTC! 

XXXX XXXX XXXX Inquire date ( XXXX XXXX  ) {$5400.00} XXXX XXXX  Inquire date ( XX/XX/21 ) {$3400.00}
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2023-11-30
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)

On XX/XX/2023, XXXX XXXX reported to the credit bureaus that my credit card is over the limit. 

The credit bureaus, dripped my credit score 80-90 points as a result. 
I need to rent a home for my family and started filling applications for rental companies, which require {$120.00} non-refundable fee. After I was declined a rental, I realized that my credit score is low. I called XXXX XXXX on XX/XX/XXXX about this and they gave me a pile of empty words said Give us 60-90 days to look into the matter. 
I filed a despite with XXXX on XX/XX/2023 and they also said they will take 60-90 days to review the matter. 

Am I supposed to keep my family of XXXX homeless for 90 days while these organizations review the matter? 

This will cost me {$15.00} XXXX in XXXX charges. The XXXX XXXX must pay for this cost.
Consumer complaint received 2024-07-30
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. (MN)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

The XXXX XXXX XXXX ending in XXXX is reporting twice on my credit report. I've made the company and Equifax aware. I understand Equifax may be overwhelmed with claims but I really want them to delete the duplicate reporting. As it is hurting me. XXXX has been made aware and they have not requested for it to be removed.
Consumer complaint received 2023-11-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC (MA)

I have been trying to log in for a week to pay my mortgage since XX/XX/23. The first few days, the website either refused to load, came up as a 404 error, etc. I have received no communication from Lakeview LoanCare re : this outage. I found out via XXXX and XXXX news sites that their website is down and has been down for over a week. On XX/XX/23, I tried to call them and was on hold for over an hour on two separate occasions. I tried to use their online form and was greeted with errors that prevented submission. I tried to make my payment when the website finally loaded after receiving an email from Lakeview stating they were back online, and was greeted with the error " Hmm, something went wrong. Try again later. ". I am still not able to pay my mortgage or reach anyone.
Consumer complaint received 2023-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (VA)

Mohela doesn't respond to any messages or process requests for changes, such as deferment requests, or a XXXX request that I was advised to request by a supervisor via their website. 

Their processing window is a large, undefined black-hole of time in which we submit requests, and then have no idea how long it will take for processing. At the beginning of the month, 15 business days prior to needing to be in repayment, I submitted a deferment request because of Mohela 's incompetence with counting my PSLF payments correctly. 

Since they couldn't count the payments correctly, and am still waiting on resolution with that problem, I have submitted a separate CFPB complaint about that. Almost a month later, there has been no word whatsoever from Mohela as an explanation of what has happened with my payment accounts. 

Therefore, starting yesterday, I tried to call Mohela, only to be met with a 98 minute hold time, which is unacceptable. The menu prompt said to call again between XXXX XXXX. After calling this morning at XXXX XXXX I'm already subjected to another 49 minute hold time to even speak with someone.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I am filing a complaint against Experian. I submitted a dispute for fraudulent accounts on my credit report. I mailed this certified mail tracking number XXXX XXXX it shows it was delivered as of XX/XX/year>. However I received an email today stating that it appears the dispute was not sent by me. 

To support my claim, I provided a police report filed with XXXX Police Department, an FTC Identity Theft Report, both notarized, as well as a copy of my identification ( government issued ID and social security card ) and a recent bank statement showing my current address, in accordance with the requirements outlined in the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). If you are aware, you can NOT get anything notarized unless the notary have obtained a copy of your government issued ID. So with that being said, it was sent by XXXX and it is illegal for you to refuse to process a dispute. Despite providing Experian with the requisite documentation, they have refused to process my dispute on the grounds that they do not believe I am the one who initiated it. This denial is not only unjust but also in violation of the FCRA, which mandates credit reporting agencies to investigate and correct inaccurate or fraudulent information in consumers ' credit reports. 

Furthermore, as a resident of Texas, I am protected under the Texas Identity Theft Enforcement and Protection Act, which guarantees consumers the right to dispute fraudulent accounts resulting from identity theft and requires credit reporting agencies to investigate such claims promptly. 

Experian 's failure to adhere to these laws not only jeopardizes my financial well-being but also undermines the integrity of the credit reporting system as a whole. I demand that Experian immediately initiate a thorough investigation into the fraudulent accounts on my credit report and take appropriate actions to remove them, as required by law. 

Additionally, I request that the Consumer Financial Protection Bureau intervene in this matter and ensure that Experian complies with all applicable consumer protection laws and regulations. 

Enclosed with this complaint, please find copies of all documentation previously submitted to Experian in support of my dispute. 

Thank you for your attention to this matter. I look forward to a swift resolution of this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, 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. (CA)

in accordance with the fair credit reporting act.The list of account below violated my federally protected consumers to privacy and confidentiality XXXX XXXX. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX  account number # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number # XXXX XXXX  XXXX XXXX, XXXX. account number # XXXX. 

15 U.S.C 1681 section 602 A. states that I have the right to privacy.

15 U.S.C.1681 section 604 A. states that also as aa consumer reporting agency can not furnish an account without mt written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states that : no consumers reporting agency may make any consumers report containing any of the following items of information any otehr advanced items of information, othre than records of conviction 's of crime of which antedates the report by more than 7 years.

15 U.S.C1681s- ( A ) ( 1 ) A person shall not furnish any information relating to consumers to any consumers reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Consumer complaint received 2023-08-24
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: Experian Information Solutions Inc. (PA)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Consumer complaint received 2023-08-24
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. (GA)

I have sent the credit reporting agencies the attached letters about unauthorized accounts on my credit report. The credit bureaus sent a letter denying disputes stating the accounts verified were mine but refuse to tell or show proof of verifications for each account. By law 15 U.S.C 1681 Law Violation this is not the correct way to handle complaints. I will like for all accounts to be removed in the dispute letter. Please remove and update my account.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
MY NAME : XXXX XXXX. 
LAST NAME : XXXX. 
XXXX : XX/XX/year> NSS : XXXX SECURITY FREEZE
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Byrider Franchising, LLC (FL)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me.
Consumer complaint received 2023-11-06
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)

I have called XXXX since XXXX for an update on my account. I was finally told the account had a XXXX owed after i was told for three months of it reporting as missed payments with a XXXX balance on all three agencies. I went to the branch and paid the single XXXX and it is still reporting as a missed payment with a XXXX balance on all thre agencies. This has taken my score down gerastically
Consumer complaint received 2023-11-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

In XXXX of XXXX I opened a credit card with a XXXX point balance. It came with a {$95.00} dollar fee. It appears that I did not meet the required amount spent. I was never given an amount needed to meet. 

In XXXX of XXXX I upgraded to a different card with XXXX points. I was not given an amount needed to spend to meet this offer. However after looking into the terms of money needed to be spent, I did spend the amount needed. However I was told I did not qualify for the points because I was already a customer and this didnt apply to me. However this was not disclosed and there is still nothing I can find saying that this is a term that disqualifies you on current promotions. 

When BofA switched me to a new card they transferred my old number to the new card and by doing this they " avoided '' having it be a new card with new terms because it came with same number, though I asked for a new card and account.
Consumer complaint received 2024-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

On XX/XX/year>, while en route to a counseling appointment, XXXX received a text from Chime regarding a {$30.00} purchase at XXXX, which I did not make. Subsequently, I noticed multiple fraudulent transactions on my account, including : XXXX. {$30.00} at XXXX XXXX. ATM XXXX of {$200.00} XXXX. ATM XXXX of {$200.00} XXXX. ATM XXXX of {$100.00} XXXX. XXXX ATM fees of {$2.00} each, associated with the above ATM transactions I reported these fraudulent transactions to Chime immediately and was not able to file a dispute due to the charges still pending. I formally filed a dispute on XX/XX/XXXX or XXXX, 2024, after the charges weren't pending anymore.
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2023-08-24
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. (FL)

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Transunion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please update the following accounts completely from my credit reports. 
DPT ED/XXXX XXXX
Consumer complaint received 2024-09-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BTH Management (FL)

Collection Agencys : Plaza Services Charging Amount : {$2900.00} Dear Sir/ Madam : Im writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. 
I am disputing this debt because I do not owe it. 
Because I am disputing this debt you should not report it to the credit reporting agencies. If you have already reported it please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 
Finally please note that I do not wish to received further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to request. See 15 U.S.C 169 ( C ). 

Thank you for your attention to this matter
Consumer complaint received 2024-09-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: U.S. Auto Credit Corporation (FL)

Auto loan the amount is XXXX was opened on XX/XX/year> is charging as a bad debt or write off affecting credit reporting. It is listed as a cosign i have requested the information or video or me signing the paperwork or proof that it was me i was and still is a victim of identify theft.
Consumer complaint received 2023-08-24
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. (TX)

My XXXX account number XXXX XXXX XXXX XXXX a late payment was reported for XX/XX/2023. This is incorrect. My account was not late and was current. My payments was misapplied by the merchant. I spoke to a XXXX representative on XX/XX/2023 regarding my account was told payments were current and that due to a return check was misapplied after I repaid. I was then told my payment but in time but the system in error reported a late payment. However, a late payment was reported on my credit reports, XXXX, Experian and XXXX for XX/XX/2023. The account is and was not 30 days past due. Reviewing of the payment history is impossible to indicate my account is 30 days late. I called XXXX and was told by one customer service representative that this error will be corrected and they will report to credit bureaus my account is in good standing. However, I was told my another XXXX representative it was nothing they could do and I needed to call the needed to call the credit reporting bureaus. XXXX, Experian and XXXX and I was told to contact the merchant directly, in which I had already done and was results from XXXX, Experian and XXXX was that the merchant XXXX will not update to good standing and no late payment.
Consumer complaint received 2023-11-06
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. (GA)

I am writing to file a complaint to TRANSUNION regarding the reported data on my credit file that is not certifiably compliant and proven valid and/or not documented as fully true and physically verified. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX, GA XXXX. My date of birth is XXXX, and my social security number is XXXX. The FTC report numbers associated with this complaint are XXXX and XXXX have identified likely mendacious and certainly unproven complaint-reported inquiries and accounts on my credit file that has no permissible or authorization made by my person of free will. 
As a consumer, I am within my federal and state consumer and/or civil rights to demand and/or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151 that unambiguously obliges a recounted of the modus. This is a formal dispute of information and reporting.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-06-27
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)

I recently reviewed my credit report and notice an account that was not reporting accurately. I had ( 2 ) late payments on my account that i was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates. ( XX/XX/XXXX and XX/XX/XXXX ) I'm now requesting you to investigate and provide verifiable proof with records showing that i had late payments. If this information can not be verified i demand these payments be updated to paid on time immediately. Thank you for understanding and prompt action.