davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-10
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Please correct the error in my account by removing the erroneous late payment record. I have consistently maintained timely payments and have never failed to fulfill my obligations. This inconsistency is significantly impacting my peace of mind and disrupting my sleep patterns. I urgently implore you to address this issue promptly and ensure the accuracy of my account.
Consumer complaint received 2024-02-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NC)

In XXXX of XXXX I made payments as required on my student loans serviced by Mohela. Because Mohela was having difficulty timely processing IDR recertifications, the company placed my account in forbearance without my knowledge or consent. I called the company as asked that the forbearance be removed before I made my XX/XX/XXXX payment. 

On XX/XX/XXXX, I made the full payment due under my IDR plan at the time in the amount of {$1000.00}. Because my account was in a forbearance status, Mohela is not counting the payment as an eligible payment under the PSLF program. I contacted the company on in writing via the online consumer portal on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, to get this corrected. To date, the full and timely XX/XX/XXXX payment is still not being credited as an eligible payment. I also called in and spoke to customer service in late XXXX. I was assured on that call that the payment eligibility would be updated. I want my payment correctly counted as I should reach XXXX qualifying payments later this year.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

The issue : When getting Equifax credit report from a XXXX  party, it shows : XXXX ) Incorrect previous address XXXX ) Missing multiple credit card accounts Equifax Credit report from XXXX website is different than the one provided by XXXX  parties. 

When it happens : When requesting XXXX XXXX report from third parties Equifax is showing missing multiple credit accounts and incorrect previous address. 

Third parties used : XXXX, XXXX XXXX bureau report, XXXX, XXXX. 

All the XXXX  parties shows incorrect Equifax credit history, while XXXX and XXXX shows my credit report without any issue. 

Notes : Confirmed with XXXX  parties that they do not change any information, and the information is provided directly from its source which in this case is Equifax. 

Several months ago Equifax merged my information from my ITIN to my SSN, and ever since the merge I have been experiencing this issues with XXXX  parties showing incorrect Equifax credit report. ( missing accounts and incorrect previous address ) I believe there is an extra report, or incorrect information that is creating this issue when pulling Equifax credit report from a XXXX  party. 

I have called Equifax consumer affairs department and explain the issue I am facing, but they are unable to open a ticket or fix the issue, and claim that this is a XXXX  party issue, again I confirm with XXXX  parties that the information they provide comes directly from its source ( EQUIFAX ). 

I will be attaching copy of the report from different sources. Please note even though there are multiple credit cards, I am still missing some and I have confirmed this. 


XXXX shows : XXXX open accounts XXXX parties shows : XXXX active accounts + incorrect previous address
Consumer complaint received 2018-04-09
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: EQUIFAX, INC. (TX)

The credit reporting agency refused to show proof this debt belong to me. Also refused to investigate the account properly according to fcra. The account XXXX XXXX XXXX need to be investigated properly
Consumer complaint received 2024-05-10
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. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Hello! 

I spoke with XXXX at Capital One for over 30 minutes to try to resolve this issue. On XX/XX/XXXX, I opened a bank account and used my Quicksilver card to make a {$1000.00} deposit. I was surprised to realize that this was considered a cash advance. I immediately called Capital One and was informed that I would not have any further charges ( I had already been charged {$7.00} on XX/XX/XXXX ). I immediately made two payments ( one for {$990.00} and another for {$100.00}. This should have negated the cash advance. I also made purchases and paid those off. I was wrongfully charged another {$5.00} in cash advance interest. Spoke to XXXX to try and resolve this issue and while he was nice in explaining what happened I still do not feel I should have been charged and he would not waive the charge.
Consumer complaint received 2023-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX  MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON XXXX DC XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX : {$0.00}, XXXX XXXX XXXX Balance : {$780.00}, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX A ) XXXX Balance : {$170.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$2000.00}, XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$3300.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX XXXX Balance : {$17000.00}, XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXXXXXX XXXX  XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. Auto Sales Inc. (VT)

In XXXX of XXXX, I purchased a XXXX XXXX XXXX from Us Auto of XXXX SC. A week after having it, I had to have the engine replaced because they forgot to put oil in the engine or failed to check it. I have not missed any payments on it and I take care of it. Fast forward to today, when I was notified by all three credit bureaus that my Us Auto Loan have jumped from XXXX to XXXX yes you read that correctly! Shortly after being notified of this I received a call from our interning mortgagee fianc company that they had checked my credit reports today and seen this change and can not approve my mortgage request ( mistake or not ) until it is resolved and US Auto takes written responsibility of it! I am devastated, I have spent the last year working out of state to help displaced families have housing. I have been away from my own family, put myself in harms way fighting COvid 19 and stayed working so I could save every penny and put myself in position to be able to buy my first home and this happens? I called US Auto Sales only to be told that they only report every month and that it wont be fixed until XXXX. I asked to speak to higher ups and been told I cant. I was laughed at by one rep who said yeah well your XXXX is definitely not worth XXXX! 
I dont know what to do or who to turn to.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

The issue : When getting Equifax credit report from a XXXX  party, it shows : XXXX ) Incorrect previous address XXXX ) Missing multiple credit card accounts Equifax Credit report from my.equifax.com website is different than the one provided by XXXX  parties. 

When it happens : When requesting XXXX XXXX report from third parties Equifax is showing missing multiple credit accounts and incorrect previous address. 

Third parties used : XXXX, XXXX XXXX bureau report, XXXX, XXXX. 

All the XXXX  parties shows incorrect Equifax credit history, while XXXX and XXXX shows my credit report without any issue. 

Notes : Confirmed with XXXX  parties that they do not change any information, and the information is provided directly from its source which in this case is Equifax. 

Several months ago Equifax merged my information from my ITIN to my SSN, and ever since the merge I have been experiencing this issues with XXXX  parties showing incorrect Equifax credit report. ( missing accounts and incorrect previous address ) I believe there is an extra report, or incorrect information that is creating this issue when pulling Equifax credit report from a XXXX  party. 

I have called Equifax consumer affairs department and explain the issue I am facing, but they are unable to open a ticket or fix the issue, and claim that this is a XXXX  party issue, again I confirm with third parties that the information they provide comes directly from its source ( EQUIFAX ). 

I will be attaching copy of the report from different sources. Please note even though there are multiple credit cards, I am still missing some and I have confirmed this. 


XXXX shows : XXXX open accounts XXXX  parties shows : XXXX active accounts + incorrect previous address
Consumer complaint received 2024-05-09
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. (MO)

I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injuries to my credit score.

Account Number : XXXX Account Number : XXXX
Consumer complaint received 2024-01-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC (GA)

Debt Recovery Solutions has reported an old debt as new. They said an account was opened XX/XX/XXXXXXXX XXXX XXXX and the original creditor name was XXXX, balance of {$7300.00}. This debt is many years old, well past the 7 year window. This has been reported to all 3 credit agency 's and my credit score has dropped drastically. The collection company has obviously intentionally violated the law. I am in the process of attempting to file a dispute to the agency 's, but all this takes time and I want to pursue all avenues against the collection company that are available to me. Once again this is an old debt being reported as a new account. The original creditor was XXXX and was well past the 7 year window. Debt Recovery Solutions has falsely opened a new account which is actually several years old.
Consumer complaint received 2024-08-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRUIST FINANCIAL CORPORATION (VA)

Dear Consumer Financial Protection Bureau, I am writing to seek assistance with an issue I have encountered with my credit card account, which was originally opened with SunTrust Bank and later transitioned to Truist Bank. 

A few years ago, I set up an automatic payment of {$200.00} on the XXXX of every month, which was the first day of my billing cycle. I recently discovered that for the past XXXX  months, I have been charged a late fee of {$39.00} each month. This amounts to a significant sum that I was completely unaware of until I checked my balance. 

While I was notified of the transition to Truist Bank, I didnt pay much attention as I hadnt used the card during that time. I may have lost the card and never received a new one. Ive only had online access to the account and have opted for paperless billing, so I didnt receive paper statements. Unfortunately, I also did not receive any emails or notifications about these late fees, nor have I received monthly statements via email. 

When I contacted customer service, I was informed that the fees could not be removed as it was not considered a bank error. However, I believe this situation is unfair. The billing cycle appears to have been changed without proper communication, resulting in these continuous late fees despite my consistent {$200.00} payments each month. 

I kindly request your assistance in getting these fees removed. Given the circumstances and lack of notification, I believe this issue warrants reconsideration by the bank. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-18
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: DISCOVER BANK (CT)

Discover allowed a charge of {$100.00} from XXXX XXXX different times. I've proven to Discover I do have an annual subscription which is tied to my business credit card. I sent in the the proof, but they stated it was accurate. I've also contacted XXXX, but they don't have a " live '' person to speak with and they have no records of this charge on my account.
Consumer complaint received 2024-05-10
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. (PA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TN)

I noticed there are excessive charges being added to my commenity account. I have argued with them and nothing done. I paid on time until XXXX  2023. Like every XXXX months they added {$300.00} ish. 

I had XXXX XXXX XXXX XXXX XXXX, 2023 however, I was in the hospital XXXX months with all medical problems. I tried to call the company several times to get voice mail. They have not called me. I sent approximately XXXX emails to them

about this issue. They have doubled what I owed and feel I paid it off already. I am added a hand note of mine when I first notic
ed the high addition of fees dated XXXX  2023, balance at that time. I am adding the payment tracking from XXXX through XXXX I made after that. I am sending the balance they now have. I have ask for debt payment lowered so I can pay. Anyhow look at this.
Consumer complaint received 2023-03-17
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. (VA)

In according with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 1681 c. ( 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. 1681 s- 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or gas reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-09
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)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-07-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: STANDARD MORTGAGE CORPORATION (MS)

I had a new appraisal done on my home which shows i have 23 % equity in my home and requested that my PMI be removed. The FHA rules says PMI should end when you have 22 % equity in your home. I have 23 % and the mortgage company states that their rule is 75 % ( 25 % equity ) instead of the FHA rule of 78 % ( 22 % equity ). 
My new appraisal i submitted to Standard Mortgage was {$440000.00} and my principle balance is {$340000.00} which is 77.38 % ( 22.62 % equity ).
Consumer complaint received 2024-07-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CLGF Holdco 1, LLC (TX)

I was recently reviewing my credit report for a loan I was applying for and found a 30 day late payment reported to my account for the month of XX/XX/year>. I am not sure how this happened because I believe I made all of my payments to you on time when I received my statements. The only thing I can think of is that I didnt receive my monthly statement.
Consumer complaint received 2024-04-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION (PA)

XXXX XXXX XXXX 
Somebody is trying to use my email address to open an account with Truist. The accounts they are opening are Truist One Checking and Truist One Money Market. 
I have the " Client Name '' they are opening it under and the application ID sent by Truist I called truist twice and they did nothing to confirm who I was or if they could look into the account.
Consumer complaint received 2024-05-09
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)

XXXX XXXX XXXXXXXX investigation by CFPB that closed XXXX, XXXX for an alleged debt owed to XXXX XXXX XXXX XXXX reported in XXXX was re-aged on my credit reports by XXXX XXXX XXXXXXXX. This is not allowed under the FCRA 623 ( 5 ) ( A ). Furthermore, XXXX XXXX XXXXXXXX continues to report this alleged debt that is not owed by me and XXXX XXXX XXXXXXXX has not been able to prove that I owe this debt. In fact, XXXX XXXX XXXXXXXX owes me {>= $1,000,000} that they refuse to return to me. This is under investigation with the FBI and state law enforcement and the FTC. Please inform XXXX XXXX XXXX that they are not permitted to report debts not owed to them nor are they allowed to re-age alleged debts.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Adjusters, LLC (CA)

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my credit report. I recently submitted a complaint with this company and after reviewing their response I noticed they are trying to collect a debt that was closed due to identity theft.