davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-11
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. (WI)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions 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 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 2023-10-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (VA)

ctyptotopools.com is a XXXX XXXX not be fooled by this platform. You will increase your funds rapidly so it looks legit. I invested {$82000.00} and turned it into a large sum of money. When I went to cash it out, they hit me with a 5 % service fee. None of these payments will come off of the money you have earned. You have to deposit ETH to pay for it. The federal government needs to shut the site down. The site has frozen my account. Now I can not get in touch with Customer Service.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

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 2023-10-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westcreek Financial (VA)

2 personal loans with West Creek Financial XXXX XXXX  ) were made with my information a few months ago. I did not know they existed until XXXX XXXX reported that my credit score tanked XXXX points because there were late payments to these loans. I do not claim these loans to be mine. I have contacted the financial institute and they were unable to cancel the loan. The name, number, and email tied to this loan do not match the information that XXXX has in the database. I have a piece of mail that was sent to me that shows inaccurate personal identifying information on this XXXX  account, therefore giving me the information to get through a customer representative finally after calling 2 times because they have no accounts under my real information, except this false information. ( wrong name, number, etc ) 1st loan amount : currently {$4000.00} 2nd loan amount : currently {$1000.00} Again, these loans were fraudulently made and do not match my information with the XXXX database ( name, number, email ) I do not claim these loans to be mine
Consumer complaint received 2021-08-02
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: EQUIFAX, INC. (GA)

The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD without question someone has assumed my identity.
Consumer complaint received 2023-10-03
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mobiloans, LLC (FL)

I made a loan with MOBILOANS LLC and it was collected in 2019 by XXXX XXXX  And they are still fighting to delete my negative account and you do not TAKE ACTION IN THE CASE, what is happening???
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2021-08-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (TX)

XX/XX/XXXX - Received an email from XXXX XXXX about a XXXX bill owed from XX/XX/XXXX, and was charged off XX/XX/XXXX. 
XX/XX/XXXX - I sent them a letter asking them to verify this debt, and if they could not then they would reimburse me for any money I spent through correspondence via certified mail, which they received on XX/XX/XXXX. 
XX/XX/XXXX - I sent them another letter because they had not responded but later realized they responded on XX/XX/XXXX, which I did not receive until XX/XX/XXXX. The verification they sent was from a XXXX bill dated XX/XX/XXXX, that stated {$0.00} for total current charges, addressed to a name that is not mine, and an address that is not mine. 
XX/XX/XXXX - I sent a letter of default and an affidavit because they failed to verify their claim that this was a debt that I owed. 
XX/XX/XXXX, & XX/XX/XXXX - I received correspondence that they claimed my response was duplicative and that if I had further questions I could write them again. 
XX/XX/XXXX - I sent them a cease and desist letter telling them to stop all communications with me due to their lack of claim against me. 
XX/XX/XXXX - I received the exact same letter as I did on XX/XX/XXXX, and XX/XX/XXXX, except this time said if I do not answer they will send this account to active collection against me.
Consumer complaint received 2021-08-02
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: EQUIFAX, INC. (NJ)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-03-13
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. (GA)

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 : DPT EDXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is 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 2023-10-11
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)

XXXX 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 : DOEXXXX Account Number : XXXX Account Name : DOE/XXXX Account Number XXXX XXXX Account Name : DOE/XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IN)

I received a letter from Mohela on XX/XX/2023 stating that my student loans were forgiven and that changes would be made to my account within 90 business days. That would have been on or around XXXX XXXX. That date has long come and past with no resolution. I have called Mohela at least a half a dozen times and get varying and unhelpful answers. They tell me that they are waiting on the Dept. of Education and there is nothing they can do, but when I call the Dept. of Ed., they tell me I have to call Mohela and have to work with my loan servicer. It is a completely frustrating circle of dysfunction. 

Meanwhile, student loan payments have restarted, and I am now incurring interest on loans that were supposed to be forgiven. I also originally received a bill that included the forgiven loans. I called Mohela about that and they placed those loans on an " administrative forbearance. '' I think received a letter from Mohela stating that such a forbearance can negatively impact my account.
Consumer complaint received 2024-03-13
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: Experian Information Solutions Inc. (OH)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-03-13
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. (IN)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX and Experian.
Consumer complaint received 2023-10-11
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. (GA)

XXXX 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 : DOEXXXX Account Number : XXXX Account Name : DOE/XXXX  Account Number XXXX XXXX Account Name : DOE/XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-09-01
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-09-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services (FL)

I attended XXXX XXXX XXXX XXXX XXXX XXXX. Didnt finish, school mysteriously vanished. I received less than XXXXXXXX XXXX. Now they want over XXXX from me. This was in the mid XXXX. I dont mind paying back the few XXXX, but I dont have what they are asking. I feel as though I was, and am, a victim of a predatory lender. Please help me.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SD)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-10-11
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. (TX)

XXXX account number credit reporting on the credit reporting bureas, Transunion, XXXX and XXXX are showing a late payment for XX/XX/2023 and this is incorrect. Account has never been late per company and said the account will be updated as paid as agreed w/no late payments. Company stated their system was posting incorrectly in XXXX and XX/XX/2023. 

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 2021-03-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (CA)

I can NOT contact my mortgage company by phone or email for years! I should be able to choose what mortgage company I want to use but I am forced to use whatever company that the previous lender decided to sell my mortgage to. I have no recourse and don't even know what government body or entity has authority of home mortgages. The company name is SunTrust Mortgage and they are impossible to contact.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRUIST FINANCIAL CORPORATION (TN)

A SunTrust/Truist representative agreed that if my balance was paid in full they will not list my account as a Charge-off/Collections. However, after reviewing my credit report it is showing that I have a Charge-off/Collections from SunTrust/Truist. I spoke with a SunTrust rep months before making my full payment in XXXX of 2020 and they assured me if paid, it will not be listed as charged-off. However, after recently speaking with a rep from Truist and she informed me that the following month of XX/XX/2020, my account was labeled as a charge-off. I feel like I was lied to and mislead by the company. I have submitted a complaint with the XXXX. I also filed a complaint with the company to no avail. The only thing the company did was update my account. I also don't understand why they would list this as a charge-off if they received payment and it didn't go to collections. Please help me understand this.
Consumer complaint received 2021-08-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

In XXXX, I inadvertently made a manual payment via Bank of America 's website, having forgotten I had set up an automatic payment to be made timely every month. 

I discovered my error on XX/XX/XXXX when the two payments cleared. I was not notified or the double payment nor asked by Bank of America if it had been made in error. 

I literally spent HOURS on the phone trying to get through to a representative to have the second payment reversed as soon as possible as it gravely impacted my finances. 

My so-called 'loan representative ' was never available and I left multiple voicemail messages, to which he/she NEVER responded. 

I finally reached a representative and, after taking my information, stated the reversal might take up to two weeks. 

I then contacted Bank of America through the internal messaging system on their website in order to create a written record of my effort to recover the {$810.00} second payment made in error. 

Bank of America stated I needed to send PROOF by way of my bank statement of the duplicate payment. The latest message - after I sent the requested documentation on XX/XX/XXXX - acknowledged the duplicate payment, yet they still asked for proof in the form of a copy of the applicable bank statement, which had been sent to them. 

After 21 days and multiple attempts on my part to have the second payment that I made in error reversed, my funds have not been returned to me despite my effort to have that done. 

Bank of America exhibits extreme dilatory tactics to hold on to funds to which they are not entitled, being fully aware of the duplicate payment.
Consumer complaint received 2023-04-19
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. (MD)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX