davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-29
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Yamaha Motor Finance Corporation USA (MA)

Incomplete Documentation. I had XXXX loans on XXXX different XXXX. The XXXX payment was {$330.00} on XX/XX/2020. Also they show {$1100.00} was applied to the principal on XXXX XXXXXXXX XXXX the XXXX which does not show it has applied. Need all payments dating back to XXXX on both the loans.
Consumer complaint received 2023-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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

Open Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

In accordance with the fair credit reporting XXXX XXXX XXXX :, XXXX OF XXXXXXXX XXXX XXXXXXXX : # 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 instructions15 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 . 16815-2 ( 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.I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.Publishing this description will not affecthow the Cre hardes four companUBSCRIB
Consumer complaint received 2023-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (OH)

I have contacted Mohela regarding the status of my student loans currently under the PSLF program. Mohela keeps placing my loans in Forbearance status and each month since XX/XX/XXXX I have requested for them to remove the Forbearance Status. I contacted them on XX/XX/XXXX, XX/XX/XXXX ( via message portal ), and now today XX/XX/XXXX requesting for them to remove my account from forberance status. 

On XX/XX/XXXX, I received a letter again notifying me that my loans were placed in Forbearance status and I contacted them via phone on XX/XX/XXXX regarding this forbearance status to identify why it was placed and if it would impact my PSLF status as it relates to the amount of months being counted. I was told the forberance status would impact my time under the PSLF program. I explained that I did not request forberance and the representative explained that the loans were placed under this status due to me applying for the Borrowers Defense Loan Discharge. I explained to the representative that I specifically checked the box on the form for my loans to not be placed in forberance status and I have a copy of both of the applications. The representative assured me that she submitted a request for them to be taken out of forbearance status and it would not impact my PSLF count. I asked the representative if they would send me something in writing confirming they have taken my loans out of forberance status. The representative explained she could request that one be sent to me. A letter was never sent. 

On XX/XX/XXXX, I noticed my loans were still in forberance status and sent them a message using my account portal. I still have not received a response. On XX/XX/XXXX, I received a notice that my loans were placed in " Exceptional Discretionary Forbearance. '' I am presently on hold at this time to speak with another representative at Mohela with hold times of over 190 minutes. 

This seems to be a repetitive issue that is affecting my PSLF program and the amount of time I have left for repayment and I do not want this impacting it. Especially as the last loan servicer XXXX was not truthful about me going into payment status when I first started working in the public sector in XXXX. This has signficantly impacted my date of when my loans will be forgiven under the PSLF program as I was supposed to be finished in XXXX. Now I am scheduled to be complete in XXXX
Consumer complaint received 2023-03-13
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: Experian Information Solutions Inc. (AL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX Balance : {$500.00} XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-08-17
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. (CO)

In XX/XX/2021 I sent a dispute to remove outdated information on an account that is paid. Although they removed the payment history that was over two years old, the Payment status was not corrected, it is still reporting Late 60 days. This is incorrect information and needs to be corrected to Paid or current.
Consumer complaint received 2023-07-03
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. (TN)

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 an 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. 

XXXX XXXX XXXX XXXX XXXX Is reported improperly
Consumer complaint received 2023-10-10
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: CAPITAL ONE FINANCIAL CORPORATION (KY)

Someone opened a Capital One credit card on my Capital One account where I already had a credit card in my name under their name like a child 's account attached to my card. I realized it and started contacting them with the charges made to my credit card in my name that were not mine and the entire card that was attached to my account in another name. The people barely spoke XXXX and obviously misunderstood what I was saying over and over and over every time I called. They did an investigation on the charges under my name and removed them but when I called back about the whole other card on my account, I spent XXXX hours on the phone with various representatives that would remove the charges and they would instantly get charged back to my account after we hung up. I kept calling back and they said things like " oh sorry we don't see any investigation opened up about that '' and " I am going to remove them now, it is going to be taken care of '' and " I had to add the card back and remove them and now it is fixed '' or " I am opening the investigation now and will let you know ''. None of these statements were true and it is as if they could not understand at all what happened. All of the charges were deducted from my account and added back several times almost instantly. I never received a notice of another investigation into the card opened on my account where every single charge was fraud. I have called until I have wasted so much time on the phone for them to assure me it is taken care of and the moment we hang up, it is either not done, or reversed. This is unbelievable.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The U.S. Dept of Education is reporting a fraudulent debt of {$2900.00} from XXXX  years ago. 
The Dept of Education created a fraudulent payment history.

I am writing to correct this inaccurate information.

The account number reported is : XXXXXXXX This is FRAUDULENT. This ALLEGED DEBT is misleading to the extent that it has affected my credit report, decreased my credit score and it is patently incorrect.

This is not my account. 
This is a FAKE PAYMENT HISTORY furnished. 
There should not be a payment history because this is not my account and I have never made a payment. 
This account is beyond the XXXX of Limitations. 



Thank you
Consumer complaint received 2024-05-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (NJ)

Today, XX/XX/XXXX, I received an e-mail stating my FICO score decreased by XXXX points to my surprise. I checked what the reason for the decrease in my score was and my credit report stated I was sent into collections with Transworld System Inc. on behalf of the energy company, XXXX XXXX XXXX XXXX in the amount of {$620.00}. I have been dealing with Identity Theft for the past XXXX years and this collection is another result of identity theft. I called Transworld System Inc. and spoke to their agent, XXXX, on XX/XX/XXXX at XXXX XXXX. I explained to her that I have been dealing with Identity Theft since XXXX and informed her that this account with XXXX XXXX XXXX XXXX was opened fraudulently under my identity. I requested the address associated with this account and she provided the address XXXX XXXX XXXX, XXXX, XXXX XXXX. I looked back into my files for previous addresses involved in my Identity Theft case and found this exact address from an older debt collection with XXXX XXXX XXXX dated back from XX/XX/XXXX. I explained to XXXX my frustration since I had frozen all three of my credit bureau files to prevent this identity thief from opening more accounts under my identity. I told her that I do not reside in Texas and I have been living in New Jersey all of my life. She also informed me that she found another collection under my name from the energy company, XXXX XXXX, with the address XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX in the amount of {$18.00}. This is another address I found associated from another older collection with XXXX XXXX XXXX as a result of Identity Theft. This is truly nerve-wrecking to have to deal with again and I don't know what other necessary steps to take to make this stop. Like I stated before, I froze all three credit bureau files, have filed a police report, and I have been entered into the FBI database as an Idenity Theft victim. I feel like the only way to keep resolving my Identity Theft issues is through CFPB since my complaints are always resolved. I am truly distraught by how this identity thief continues to open more accounts even after placing credit freezes on all three of my credit files.
Consumer complaint received 2023-10-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BMO Bank, N.A. (FL)

I attempted to open up an account at XXXX XXXX XXXX. In doing so, XXXX XXXX XXXX informed me of a bad debt from BMO bank for {$470.00} from XX/XX/21. The address associated with this fraudulent claim is a address I have not live at for the last 23 years. This account was not opened by me nor did I ever give permission to have an account open at BMO bank. 
At this time, XXXX XXXX XXXX is denying me the ability to open up a account until this is cleared up.
Consumer complaint received 2023-10-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK (NC)

As of XX/XX/2023, amounts owed have been satisfied. I am in receipt of Copy B from the IRS and this has yet to reflect on my credit report nor have I received any documentation from DISCOVER. 

I have attached the documentation to verify and make sure the proper steps are taken to completely get this resolved as soon as possible. 

Changes need to be also reflected on credit file to show no balance owed since account was charged off.
Consumer complaint received 2023-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




Open Accounts : XXXX/DEPT OF ED # XXXX XXXXE # XXXX Closed Accounts : XXXX XXXX  XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XX/XX/2022 EQ 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-21
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. (NV)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-10-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (CT)

The Mortgage Holder SPS Got My Mortgage From XXXX XXXX, XXXX XXXX  XXXX. The Present Company SPS Are Worse Than XXXX XXXX. I Lost My Business In 2020. Pandemic. Since Then It Has Been A Nightmare. XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX, The Balance On Loan Is Going No Where. Help Please
Consumer complaint received 2023-02-17
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: EQUIFAX, INC. (MS)

Under consumer law 15 usc 1681c 2 which states : Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Your company has not removed the inquiry before the allowed time, which is a violation. 

Be mindful that according to 15 usc 1681n which states : Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

Also under consumer law 15 usc 1681o which states : Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I would also like to remind you the out some of the Miller v. Equifax case that was settled for {$18.00} XXXX in damages.
Consumer complaint received 2023-10-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HYUNDAI CAPITAL AMERICA (NC)

As of XX/XX/2023, amounts owed have been satisfied. I am in receipt of Copy B from the IRS and this has yet to reflect on my credit report nor have I received any documentation from HYUNDAI. Spoke with a Representative on XXXX XXXX, she also was not clear on amount owed. I have attached the Copy B receipt which reflects all balance taken care of and there is nothing owed for this account. 

HYUNDAI FINANCE needs to make the proper changes to reflect all collections are complete and update my credit file as soon as possible.
Consumer complaint received 2024-05-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NAVY FEDERAL CREDIT UNION (MD)

On today, XX/XX/year> I applied for a Home Equity Loan Line of Credit from my mortgage holder, Navy Federal Credit Union, I received an instant denial with a letter stating that : Your credit score : XXXX Scores range from a low of XXXX to a high of XXXX Date : Fri XX/XX/year> Key Factors that adversely affected your credit score Serious delinquency Time since delinquency is too recent or unknown Length of time accounts have been established Ratio of balance to limit on bank revolving or other rev accts too high Which none of this is true, I called Navy Federal number listed on the letter, and was told by XXXX XXXX that info was correct as per XXXX and I needed to check my credit report ( I have a credit report account with XXXX so I knew this to be untrue. ) And that I could call the XXXX number on the letter, in which I did. XXXX told me they did not pull my credit report and I was correct that my score was XXXX, I do not have delinquencies, collections or even a late payment, and no high balances. So I'm not sure where to go from here and why Navy Federal would do this and not try to correct it.
Consumer complaint received 2022-12-07
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: Experian Information Solutions Inc. (IL)

I've previously disputed that this Bankruptcy account from the XXXX XXXX XXXX XXXX IL is reporting inaccurately and should be removed from my credit report. You guys claimed that it was verified, which is odd because I've checked with the XXXX XXXX XXXX XXXX XXXX IL and they have told me that they don't report to any credit Bureaus. I then told XXXX XXXX that they were reporting this bankruptcy inaccurately and they deleted this account from my credit report immediately. So again I'm confused on how you verified this account if the furnisher you have reporting says they don't even report to you guys and XXXX XXXX deleted the whole bankruptcy from my consumer report. Yall have committed fraud against me and if you do not decide to delete this account from my credit report after receiving this complaint you will be violating 15 USC 1681n for negligent compliance and I will have no choice, but to take you to small claims court to take legal action against you as a federally protected consumer.