davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-21
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX has violated several FCRA laws, and they have failed to respond to any of the unlawful charges my wife and I have pointed out just as we did within this complaint. This company, is a third-party debt collector attempted to add words or reasons for charges without documentation from the original creditor. This goes against the principles of debt validation, as my wife respectfully conveyed to them. 

Furthermore, XXXX XXXX, the original creditor, has also refused to respond to any form of communication, including XXXX and CFPB inquiries. XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX is violating the Florida Consumer Collection Practices Act by continuing to report unlawful charges! 

Moreover, this collection agency attempted to charge a fee without any legal grounds, as my wife uncovered their deceitful practices, indicating poor management and unethical conduct. 

I have substantial evidence to support every claim I've made, including evidence that this company changed the balance multiple times and violated numerous laws in doing so. I am informing XXXX, Equifax, and XXXX to investigate thoroughly and consider all the evidence provided. 

The credit bureaus have already failed multiple times, and I urge them not to fail again, or I will escalate this matter to a higher level.
Consumer complaint received 2024-03-21
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. (OH)

XXXX XXXX credit card ending in XXXX reported a late payment to my credit report without my permission being noted and failed to provide the requested proof that my payment was late on XX/XX/23. Also failed to provide my permission that I would allow any late payments to be provided to the credit reporting agency.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I was just looking over my credit report and found some addresses that appear to be incorrect. I have the right to have the correct information on my report. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed below, ( which I would like removed please ) : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There should only be one address listed on my report, which is { XXXX XXXX XXXX XXXXXXXX XXXX  XXXX }. 

I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : 1. XXXX XXXX 2. XXXX XXXX Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report. 

Thank you, XXXX.
Consumer complaint received 2024-06-04
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. (CA)

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 2024-03-21
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 writing to express my extreme frustration and disappointment with the inaccurate information reported on my credit report. A recent investigation into my credit history revealed several discrepancies that have caused me significant distress and frustration.

Upon reviewing my credit report, I discovered multiple items that are unverifiable, invalidated, inaccurate, and questionable. It is unacceptable that your agency failed to ensure the accuracy of these items before reporting them.

According to the Fair Credit Reporting Act ( FCRA ), it is imperative that all information on my credit report is 100 % accurate. However, the accounts in question are clearly in violation of FCRA regulations, specifically under 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ).

I demand that immediate action be taken to rectify these errors and ensure that my credit report reflects accurate information. I have attached copies of all previous correspondence regarding this matter for your reference.

I expect a prompt response and resolution to this matter. Failure to address these concerns will result in further action being taken.
Consumer complaint received 2023-09-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: RoundPoint Mortgage Servicing LLC (CO)

XX/XX/, we were notified they would be adding PMI ( private mortgage insurance ) despite the fact the prior lendor had already removed PMI due the property reaching the 80 % LTV ( loan to value ) being exceeded. They included in the escrow letter PMI notice how to remove the PMI. I followed their instructions and sent them written request to remove the PMI as soon as we were notified in XX/XX/. I foolishly did not get a delivery receipt for this letter or saved a copy as I made the foolish assumption that if we followed their process that this issue would be resolved in a timely manner. I then finally received a letter back from them with their form that needed to be completed for the request in XXXX. I completed their form and emailed it back to them. I then was contacted via email on XX/XX/XXXX that they needed the form sent to them, which had already been completed and sent to them. I resent the same form, ensuring no errors and full completion that same day. XX/XX/XXXX, they sent the same form via email requesting the form be completed. I then sent the form AGAIN on that same day. Finally yesterday XX/XX/XXXX, I received postal mail that I needed complete the form ( THE SAME EXACT FORM ) to complete my request to remove my PMI. I emailed them the completed form AGAIN, now this is the 5th time I have fully complied with their process and it has now been 8 months and they have not completed the request and continue to falsely inflate the cost of my loan to collect funds they are not owed that should have applied towards my principal balance. At this point it seems to be consciously malicious and purposeful to in order to falsely collect over inflated funds they are not owed.
Consumer complaint received 2024-06-04
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. (FL)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2023-08-03
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: Experian Information Solutions Inc. (AL)

I am listing accounts below that have been reported inaccurately on my credit report. 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 the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSWORLD SYSTEMS INC (FL)

This XXXX account was on my report through XXXX XXXX for over XXXX years in which they were unable to provide me with verification and proof that this debt belonged to me after many attempts over XXXX  years. They have sold the debt which is not proof is mine to trans world XXXX which started reporting to XXXX XX/XX/23. Transworld had not attempted to contact me, did not send me any information in an attempt to verify this unlawful debt at anytime. This is not my debt, and they are outside the statute of limitations to report this to on my credit report and it needs to be removed immediately
Consumer complaint received 2023-12-01
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (TX)

The entire current balance on my Synchrony CareCredit credit card consists of several deferred interest/ no interest promotional purchases, none of which are presently subject to interest charges. I have made no " regular '' transactions on account upon which interest would accrue. However my XXXX and XXXX statements each reflected spurious interest charges in the amounts {$5.00} and {$5.00}, respectively. On XX/XX/2023 I notified Synchrony of the billing error on this account via an initial mailed dispute letter ( copy attached ). On XX/XX/2023 I recevied a response letter from Synchrony apologizing for the errors and noting that the account was corrected ( copy attached ). My XXXX statement then reflected refund credits for the first and second interest charges in the amounts- {$5.00} and- {$5.00}. However, that statement also reflected another ( third ) interest charge in the amount {$5.00}. Additionally, my XXXX statement reflects a fourth interest charge in the amount {$5.00}. Again, none of these interest charges are valid because there are no transactions on account currently that are subject to interest.
Consumer complaint received 2024-06-04
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)

there are numerous inquiries in my report that i don't recognize. These area fraud and i wanted to have them removed. I have been disputing this since last year. Kindly remove the following : XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX
Consumer complaint received 2023-10-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (FL)

My student loans entered repayment XX/XX/2023. I logged into the portal beginning XX/XX/2023 in an attempt to set up payment information. Their portal was unable to accommodate a XXXX bank account due to an unspecific error. 

On XX/XX/2023 I submitted a payment of {$300.00} using my bank account information for a payment date of XXXX payment was not processed due to an error that said : " We can't process your payment for XX/XX/2023 because today 's cutoff time as passed. Please select a different payment amount. '' This error is categorically incorrect because the payment date selected was NOT XX/XX/2023 - I changed the payment date to all kinds of different dates but it never resolved the bug. 

I sent an email to their customer support and the automatic form response read : " Were currently experiencing unprecedented email volume, which is preventing us from responding to your specific question ( s ). We apologize that we arent able to answer your individual email. '' I have attempted every week to make payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each of these payments results in the above error. I have attempted to call their customer service line on these dates, as well as many others. Each of these call attempts results in spending hours waiting only to eventually have the call disconnected. I have been unable to get in contact with ANYONE at Nelnet to process my payment while they wrack up late fees, interest fees, and a number of deregatory remarks and letters. Their system is FORCING these additional fees and remarks upon me because they will NOT accept my money. 

I have even attempting to pay off the entire amount of my student loan - only to have the system deny that payment too! I have been unable to get in contact with anyone at Nelnet for assistance despite multiple attempts. Nelnet is engaging in dark patterns and predatory behavior by not implementing a working payment system.
Consumer complaint received 2022-10-26
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)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX Account Number : XXXX ; XXXX XXXX XX/XX/2022 ; XXXXXXXX XXXX XXXX XXXX XXXX # XXXX ; XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-04
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. (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. 

Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 2023-12-20
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: United Credit and Collections Inc. (GA)

THIS IS XXXX XXXX AND I AM DISPUTING THE ALLEGED ACCOUNT WITH UNITED CR CO. I AM REQUESTING VERIFICATION UNDER OATH OF THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR FOR THIS ALLEGED DEBT. I AM INVOKING MY SPECIFIED REMEDY AS THE ORIGINAL CREDITOR AND DEMAND FOR UNITED CR CO TP STOP AND DESIST ALL COMMUNICATIONS WITH THIRD PARTIES ; XXXX, XXXX AND XXXX IMMEDIATELY.
Consumer complaint received 2023-08-03
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AZ)

I'll never live at the following addresses this is all incorrect:XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX I'll not be employed by this employer : XXXX XXXX XXXXXXXX XXXX XXXX  the following inquiries are unauthorized user XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2023-12-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (TX)

Subject : XXXX XXXX US Bank Regarding Withheld Funds To Whom It May Concern, I am writing to file a formal complaint against US Bank for an ongoing issue concerning withheld funds in my account. My name is XXXX XXXX, and the account in question is with US Bank, account number ending in XXXX. 

On XX/XX/2023, I noticed that an amount of {$2000.00} was put on hold in my account without a clear explanation. Despite my attempts to resolve this matter directly with US Bank, the funds have not been released, causing me significant financial inconvenience. 

I have been a customer with US Bank for years, and this unexpected hold on my funds has not only disrupted my financial planning but also caused undue stress and hardship. I have contacted US Bank customer service multiple times since the incident, seeking clarification and a resolution. However, their response has been unsatisfactory, and the issue remains unresolved. 

I am requesting the CFPB 's assistance in this matter to : Request the bank give my money back because it belongs to me Facilitate the prompt release of my funds. 
Ensure such incidents do not recur, providing a clear explanation to prevent future misunderstandings. 

Please request the US Bank and any transaction details that might assist in your investigation. 

I appreciate your attention to this matter and look forward to a swift resolution. Please do not hesitate to contact me if you require any further information or clarification. 

XXXX XXXX
Consumer complaint received 2023-11-07
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

I have already disputed these items with the bureaus, but they did not remove them, nor prove validation under Sec. 609 FCRA.

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 2024-06-04
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. (TX)

I looked at my report back on XX/XX/year> and noticed some things ae incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I sent a letter asking them to reinvestigate this account listed below because : XXXX XXXX XXXX open date is not reporting correctly, date last active, date of last payment is not correct. This account is not accurate and I have never heard of XXXX may be fruadulent.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank (TX)

Under 15 USC 1666B the account FSTPROGRESS XXXX is a billing error. I am requesting that this account is changed to paid as agreed never late. Please see the attached dispute letter, which is dated, and time stamped. You are also reporting inconsistent information such as the date last active and the date of last activity which is also a violation of the FCRA. If you are furnishing incorrect information, the payment history you are reporting is not credible and I will have to consider other legal options if the late payments are not removed from my credit report within 7 days.