davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-11
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LoanCare, LLC (NJ)

Hi Sir/ Madam, This is to inform you that my Debt collector - " myloancare.com '' incorrectly reported delinquency on my account XXXX. The entire debt was paid in full on XX/XX/2023 with the remaining payment of {$47000.00} and calls were made to ensure that the payments were received by the debt servicer. The customer care XXXX confirmed over the phone call that they have received the payment and the lien release letters would be issued soon. I followed with another call after a month and I was advised that I would be given the letters soon however my account was report delinquent on XXXX and my credit score was impacted hugely because of that. I am in the middle putting an offer on a new home and I might be losing the house because of this issue. I tried calling the loan servicer and was assured to get this sorted and I would get a call back. I've called them multiple times now and there is no response from them. Could you please help me out in the situation. This is affecting my credit score, affecting me getting a new loan and needs to be rectified asap.
Consumer complaint received 2023-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

n accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXXXXXX bank # 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
Consumer complaint received 2023-11-05
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (AL)

Navient loan taken out in XXXX for son 's school, XXXX XXXX. Loan of {$15000.00} was only in my name, mother of son. It was subsequently paid off. Have never gotten anything saying it was not paid, until Aidvantage took over Navient. Received a letter saying I owed {$14000.00} and a payment was made in XX/XX/XXXX. This is the first letter I have received regarding a loan that was paid off 10 years ago. Plus, no one from my family made a payment in XXXX, XXXX. I am now retired and want to put this to rest. I plan on filing a complaint with the studentaid. gov as well as have my attorney look into this. I have read reviews of this happening and the reviews spoke highly of reporting incidents like this to CFPB first as you have been helpful. Thank you,
Consumer complaint received 2023-11-05
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NJ)

I opened an Amazon Store credit card with Synchrony in XX/XX/XXXX. I started to use the card, and made a payment towards my balance in order to free up my available credit to make additional purchases. My available credit did not reflect the payment I made, and so I made additional payments towards the card. After this still did not allow me to get any additional available credit, I contacted Synchrony customer service, who told me that the payments were on hold for 30 days as a precaution to verify that the payments were not fraudulent. Soon after, my account was closed and my rewards points were forfeited. After inquiring, they claimed my account was closed due to suspicious activity mainly these payments I made. I attempted to appeal this decision and sent in bank statements showing that the payments made toward the credit card were from accounts owned by me. These were under review for more than 30 days, and then I received a notice that they would still not be able to open my account. I then requested on XX/XX/XXXX, that the negative balance on my account of {$15000.00}, be returned to me as a refund check. After numerous follow ups, they keep claiming to be reviewing the account and issuing a check within XXXX days. As of today, XX/XX/XXXX, the negative balance is still showing on my account I have not received a refund check.
Consumer complaint received 2018-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CO)

Paypal is holding payments, and restricting available balance for up to 7 days after payment. They cited large payment paid in order to make it so that a available credit can not be used even though it has been taken from my checking account, and applied to the card balance. I believe this to be an unfair and discriminatory practice, especially because all my other payments have reflected in my available balance in 24-48 hours.
Consumer complaint received 2024-04-08
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 emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these inquiries be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions.

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.
Consumer complaint received 2023-11-05
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 never requested forbearance, just wanted a lower/affordable monthly payment. Now I am concerned I will lose credit for on time payments I could have made which will extend the period to get to 120 payments for forgiveness, costing more money. 

The months employed at the XXXX ( XXXX and XXXX of 2018 ) were not credited, because the XXXX never confirmed, however, if you review the provided documents ( W-2 and paystub ) it will be evident that I was in fact a full-time employee working for a qualifying employer, and therefore those two months should reflect qualified/certified periods of employment. 

Regarding my auto - debit, MOHELA website states I may have to make manual payments until the auto-debit starts, however, there is no information as to what happens if I make a payment then the auto debit makes another payment for the same month. I can not afford two payments.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

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
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I sent a letter off on XX/XX/2023 to all XXXX credit bureaus. 

Here are my Tracking Numbers : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX I requested to remove personal information that I dont not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my my federally protected consumer rights.
Consumer complaint received 2024-04-08
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. (NC)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Consumer complaint received 2023-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NM)

I was scammed by someone on a website who sent me a check through email, I had thought I trusted this person judging that I talked to him over the phone and he reassured me so I tried cashing it through the banking app and I later found out it was fraud and got in trouble and I'M getting punished for something that was not my fault.
Consumer complaint received 2023-11-06
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. (IN)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-08
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PR)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within XXXX business days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (FL)

I understand that FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies, which is causing me discomfort.
Consumer complaint received 2022-11-08
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

i contacted the 3 credit bureaus XXXX, XXXX, transunion multiple times over the past year by phone and mail and let them know that i wanted them to remove XXXX  negative accounts thats on my credit report they have violated my rights to privacy they had no permission to even report any information to the credit report and they also never sent me any verification or anything verifying the account 15USC 1681
Consumer complaint received 2020-07-29
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: Carter-Young, Inc. (GA)

Hello XX/XX/XXXX and XXXX I mailed off letters responding to companies saying I owe them. I followed the law and they did not. Im asking for your humble assistance. Its been almost 3 months now. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

These companies .Failed Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX FXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3300.00}
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account numbers : XXXX ...., XXXX .... 

XXXX .... 

has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX account number : XXXX .... 

Has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX XXXX account number : 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
Consumer complaint received 2022-11-08
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: EQUIFAX, INC. (NC)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX Equifax, XXXX, XXXX Re : XXXX XXXX XXXX  accounts To Whom may concern, On XX/XX/XXXX I filed a dispute/complaint through the CFPB pertaining to two fraudulent files furnishing on my consumer report. I requested a investigative consumer report Pursuant to 15 USC 1681d ( a ) done by all consumer reporting agencies by phone and through the CFPB initially pertaining to the two fraudulent accounts. On XX/XX/XXXX Equifax responded back that the account had been either disputed or they provided me with results already. In which both responses are unacceptable. I never received anything. Due to my right to privacy as a consumer being violated Per USC 1681 ( a ) ( 4 ) by furnishing and sharing my information without my knowledge or consent. I filed the dispute/complaint on XX/XX/XXXX ( # XXXX # XXXX # XXXX ) requesting Pursuant to 15 USC 1681i ( 7 ) the description of the reinvestigation method referred to in 15 USC 1681i ( 6 ) ( B ) ( iii ). I requested all documents involved in the reinvestigation. Pursuant to 15 USC 1681i ( a ) ( 1 ) ( a ) if the completeness or accuracy in a consumers file is disputed the consumer reporting agencies shall conduct a reinvestigation to determine if disputed information is inaccurate and record status, or delete the item from file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer. I filed this dispute through the Consumer Financial Protection Bureau on XX/XX/XXXX, its currently XX/XX/XXXX. I havent received any description of the method of reinvestigation thats assured to me the consumer in 30 days by Congress. This is very detrimental to me the consumer in these grave times of economical hardships, with all the scrutiny of millions of inaccuracies and non-investigation accusations coming against the consumer reporting agencies from Congress and Consumers alike. As well as its being openly admitted by the consumer reporting agencies of discarding millions of disputes a year without investigation. Discarding any dispute without investigation violates the Fair Credit Reporting Act FCRA. Its already has been reported that CFPB has cited you Consumer Reporting Agencies for accepting insufficient investigation reports from data furnishers without an independent investigation. Which as a consumer, this misuse of power and responsibility is a grave concern to me in these hardship times of economical struggle, scams, identity theft and so forth. I request both fraudulent accounts be deleted from consumer report pursuant to 15 USC 1681i ( a ) ( 1 ) ( a ). Pursuant to 15 USC 1681n theres civil Liability for the willful noncompliance of the FCRA. Which will be my next step.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

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 2023-03-31
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 XXXX XXXX XXXX
Consumer complaint received 2023-11-06
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. (VA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-08
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)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had late payments on an account that i was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy this account has not been late on payments Ive attached a copy of my report.I 'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately.