davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-04
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. (NC)

I was a victim of identity theft and I am currently in XXXX  and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Consumer complaint received 2024-07-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NY)

I filed a complaint with CFPB against Mohela for the fact I did not get my student loans forgiven under Borrowers Defense. Mohela responded that they were working on it. They then updated and said they were given the written consent to discharge {$63000.00} per FSA. It was removed from my Mohela account. I contacted them concerning a remaining balance that should also be discharged under the XXXX XXXX XXXX  case. I spoke with a supervisor who said it is still being worked on and that it will be if anything else is supposed to be forgiven. This is why I am in forbearance until XXXX. Today, XX/XX/year>, I see that Mohela has added back the discharged loans and put me in forbearance. I spoke with an agent who then told me I have to renew my plan, and if not, my payments will start again in XX/XX/year>, which it is not supposed to. She also told me that the issue is not with Mohela but with Borrowers defense and I should speak with them. Hence doing the same thing they been doing which is deflecting and making it someone else problem when it is clearly theirs. They were given the written consent to discharge which they did and now they have added it back. At this point Mohela is playing games and doing what they want to do and not being truthful. They submitted the letter to CFPB and never gave me the letter in my inbox. I had to request a supervisor send me a letter showing the discharge. Mohela at this point, is causing significant stress to me and my family with the dishonesty.
Consumer complaint received 2024-05-28
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: EQUIFAX, INC. (TX)

I am following up on a prior complaint I filed against the credit bureaus for failing to investigate my dispute regarding inaccurate information on my credit report. I filed a complaint XX/XX/year> and they said I didn't send enough information. Though I have already sent them copies of my license, social security card and a recent proof of address I sent it again wit my most recent dispute and they failed to investigate and respond within 30 days. The bureaus nor the furnishers have done what the law states and correct or delete the inaccurate information. I am currently weighing further legal options because they have not done their jobs while violating the law and it is causing me a great deal of harm and stress.
Consumer complaint received 2024-05-27
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.
Consumer complaint received 2024-05-27
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. (SC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX OF XXXX Account XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX XXXX  Account XXXX - Account name : XXXX Account XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX Account XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX Account XXXX Account name XXXX XXXX XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX XXXX Account XXXX Account XXXX : XXXX XXXX Account XXXX Account name : XXXX Account XXXX Account name XXXX XXXX XXXX XXXX  Account XXXX Account name XXXX XXXX Account XXXX Account name : XXXX XXXX  XXXX Account XXXX Account name XXXX XXXX XXXX  Account XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX  Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX  Account XXXX Account name : XXXX XXXX XXXX OF XXXX Account XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-27
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: EQUIFAX, INC. (GA)

I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.
Consumer complaint received 2024-05-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I ensure that my payments are always made on time. However, I find it perplexing that this company occasionally reports me as late in certain months, which is not accurate. As per USC 1666b, any billing errors should be rectified promptly and reflected as paid as agreed.
Consumer complaint received 2024-05-29
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 ensure that my payments are always made on time. However, I find it perplexing that this company occasionally reports me as late in certain months, which is not accurate. As per USC 1666b, any billing errors should be rectified promptly and reflected as paid as agreed.
Consumer complaint received 2023-03-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Movement Mortgage LLC (MD)

I filed XXXX XXXXXXXX Bankruptcy in XXXX and apart of that agreement was to pay Student Loans, Car Loan, Trustee, and Mortgage. I have been on time and paid up through time of submitting this. I have reached out to the attorneys who represented the servicer and company Movement Mortgage. No notice has been sent about paying attorney fees prior to this statement. The current statement shows XXXX in attorney fees when I am not foreclosing or doing anything wrong. I understand that I had to be " punished '' for the BK by them removing online access and no longer reporting to my credit, but these fees where never explained to me or negotiated. I am awaiting response from you or them. Being a loan officer myself I know that not warning clients about fees is illegal and Movements attorney costs shouldn't be my responsibility.
Consumer complaint received 2023-03-12
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. (CA)

On XX/XX/XXXX I received a credit alerts from all three credit bureaus stating that I had a 30 day late on one of my accounts. I notice that this particular account XXXX XXXX XXXX XXXX XXXX XXXX Ive never been late on this account and it shows as an open account when this particular was closed on XX/XX/XXXX. How can I have a 30 day late on a closed account??? After the closing date. Doesnt make sense. I suspect that the credit bureaus are overlooking and missing and posting inaccurate information on my credit file to harm me deliberately.
Consumer complaint received 2024-05-28
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. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-09-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MA)

I had a fraudulent payment experience on PayPal XXXX of XX/XX/2023. I immediately warned Paypal and my credit card issuer XXXX by phone and email to cancel the payment and take immediate action. 

Unfortunately, neither PayPal nor XXXX took the necessary action against the fraudsters. Although I called them several times and provided all the information, these financial institutions closed the dispute without any action. They didnt even give any information about the fraudsters for 3 months. 

I have classified all files and screenshots about the fraudulent payment. 

The main problems with PayPal and XXXX I experienced are as follows : 1 ) PayPal did not take immediate action to stop the fraud by paying the money to the fraudsters instead of pending the payment although I informed PayPal and sent an urgent email Phishing Department immediately by call and email including the fake emails and all relevant information in detail. 

2 ) PayPal did not continue my case due to XXXXXXXX XXXX opening a case which was made on PayPal 's advice to contact them as the credit card issuer. PayPal still gives the pass to XXXX instead of investigating the fraud case that is caused against them and me. 

XXXX ) The main excuse PayPal mentioned and shared with XXXX to close my case is their policy regarding the selection of the friends and family option made during the transaction. My excuse is that it was the first time I was sending money through PayPal, the person who was the fraudster told my daughter to choose this option to finish the process faster, and most importantly there was no warning on my screen informing me that the payment can not be refunded if I choose that option and if something goes wrong. ( Screen captures of my mobile transaction uploaded ) XXXX ) XXXX contacted PayPal as the merchant and did not investigate the whole transaction as is supposed to be in this clear evidence of fraud. XXXX asked me to give PayPals transaction details instead of asking PayPal about the fraudsters and what they might introduce regarding the fraudulent transactions and all the fake emails they sent to me. I have replied to XXXX to collaborate with PayPal and gather all information from the receiver of the funds who was the fraudster by contacting her. Unfortunately, XXXX didnt mind the response and closed the dispute without any measure. 

I am concerned that neither of these companies has provided any updates on my fraud case or the status of the fraudsters involved. I am unsure if these companies prioritize their customers safety or the interests of the perpetrators. It is important for these companies to uphold justice and prioritize customer satisfaction while still adhering to their policies and maintaining ethical business practices for all.
Consumer complaint received 2024-05-28
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

My full name is XXXX XXXX XXXX. My drivers license was stolen and I reported it to XXXX XXXX XXXX police. My prescription medicine of Hydrocodone was picked up at a pharmacy of someone that looked like me with my I.D . card. It was reported to the police. I see several hits in the credit beuros that are not mine, as well as my name is mis spelled on there in different cases. My address 's are not accurate either. My credit is not where it should be. Ive got bills from hospitals that were not mine. I am disgusted with the system these days. I just filed bankruptcy XXXX  XXXX and it's not closed yet as it should be. After calling my attorney, he reports that I was getting garnished from my ex wife bills of over XXXX that I paid for. This is why I filed. I wasn't you to fix the names in the XXXX credit places that have inaccurate information on them and please look into this problem. My bank was fraudulently used as well with this suspect ruining my life. Please help me
Consumer complaint received 2024-05-28
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-28
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: EQUIFAX, INC. (CA)

THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

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 2024-09-12
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Denali Capital Holdings, LLC (MI)

I am writing to file a formal complaint against Denali regarding a debt they are alleging I owe. I am disputing the validity of this debt and formally requesting Denali to provide full validation, as required under federal consumer protection laws.

Issue : Denali has claimed that I owe a debt. However, I have not received sufficient documentation or validation to prove that this debt is valid and legally enforceable. I am requesting Denali to provide proper validation of the

debt, including : 1. The name of the original creditor. 2. The amount of the original debt. 3. A breakdown of how the alleged debt amount was calculated. 4. Proof that the debt has not been paid or settled.

5. Any signed agreements or contracts showing that I am responsible for the alleged debt.

Legal Grounds : I am asserting my rights under the following federal laws, which require debt collectors and creditors to provide validation upon request : 1. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g Under Section 1692g, I have the right to request validation of the debt. This requires the creditor to provide sufficient proof that the debt is valid and that I am legally obligated to pay it.

2. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) Denali must also ensure the accuracy of the information they furnish to the credit reporting agencies. Reporting inaccurate or unverifiable debts is a violation of the FCRA.

3. Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq. If the debt stems from a credit transaction, I request any documentation related to my original credit agreement with Denali, as required by the Truth in Lending Act.
Consumer complaint received 2021-11-08
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I contacted Transunion on XX/XX/XXXX about the investigation of the following accounts : Collection, XXXX, XX/XX/XXXX, {$880.00} Collection, XXXX XXXX, XX/XX/XXXX, {$320.00} Charge-Off, Credit Card XXXX XXXX XXXX XXXX {$5300.00} Charge-Off, Loan, XXXX XXXX XXXX, {$640.00} , XX/XX/XXXX, opened XX/XX/XXXX Late Payments, Unsecured Loan XXXX XXXX XXXX {$9000.00} , XX/XX/XXXX Late Payments, Auto Loan XXXX XXXX XXXX {$19000.00} XXXX XX/XX/XXXX I still have not received any resolution.
Consumer complaint received 2019-06-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC. (WA)

Wakefield and Associates are reporting an account where they say i owe {$850.00} and I never made a payment. Original creditor isXXXX XXXX XXXX,XXXX Original Creditor XXXX XXXX XXXX XXXX Open Date XX/XX/2019 Balance {$850.00} Debt - Contact Information XXXX XXXX XXXX, XXXX , TN XXXX, ( XXXX ) XXXX-XXXX  and I made a payment in XXXX and have the receipt for it and yet they are refusing to update that and are reporting this account to be a credit card that account which in reality this is the medical bill debt and they are reporting that the account has been delinquent for over a hundred twenty days and it's ruining my credit