davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MT)

I had a statement generated XXXX XXXX with a due date in XXXX. I paid on XX/XX/XXXX before the bill was due. After the bill was due I received a new statement saying the due date was missed and I now have a past due amount. The statement even shows my payment was made in time. I called mohela and the said the payment went straight to the interest because I paid too early. I pointed out that I paid on time not early. They said the would correct it in 5 to 7 days. I was told at that time not to pay until it was fixed. A week went by and it still showed past due still. I called again and the agent said my payment should have happened because of forbearance and it takes 30 days for XXXX to fix the account. I asked them about my next payment and they said to go ahead and pay. However I mentioned how the manager before said not you pay yet. I was then put on hold to while they confirmed what to do and then they hung up on me while I was on hold. On top of that I keep getting messages about being past due. And my previous email inquiry was ignore and met with a past due noticed, I responded to that message and got a generic repayment help email from them. 30 days to process is insane, and the customer service sucks.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dear CFPB, I'm writing to update you on my ongoing credit report dispute with XXXX and Transunion regarding inaccurate information. Unfortunately, despite filing my initial dispute last XX/XX/2023 and exceeding the 30-day timeframe outlined in the FCRA, I have not received any response or update from the bureau ( s ).

The continued presence of this inaccurate information continues to cause me significant harm and hurting my credit credibility I urge the CFPB to take immediate action and : 1. Investigate the bureau ( s ) ' non-compliance with the FCRA.

2. Demand a prompt and thorough investigation of my disputed information.

3. Hold the bureau ( s ) accountable for the delay and any harm caused.

4. Ensure the immediate removal of the inaccurate information from my credit report if verified.

I have attached the following documents for your reference : * Copies of my dispute letters * Copies of any supporting documentation I provided to the credit bureaus Thank you for your prompt attention to this urgent matter. I look forward to a swift and effective resolution. 

Sincerely,
Consumer complaint received 2024-04-02
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: Experian Information Solutions Inc. (CA)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2023-12-29
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. (MI)

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I requested XXXX, XXXX, and Transunion to reinvestigate the accounts sited next : Acct # XXXX, Acct # XXXX. After multiple attempts through letters, phone calls, online disputes over a XXXX to XXXX  month period, they have consistently stated that everything was complete and accurate. How is that possible if the open dates, last activity dates, amounts, closed as collection account, amounts reported monthly, payment histories, etc are incorrect? Because this has impacted my ability to obtain credit, I am requesting compensation and the correction of my credit reports to accurately reflect my credit history. There are a total of XXXX inaccurate entries on my XXXX credit profile and XXXX on my Transunion profile. I am requesting compensation for a total of XXXX inaccurate entries.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (VA)

On XXXX, XXXX XXXX a credit account was opened without my authorization or me knowing that the account was opened. I received the credit card in the mail and immediately contacted Synchrony Financial for a resolution. Upon their investigation they insured me the account was open fraudulently. Synchrony Financial submitted a request for removal of the account and inquiry to be deleted from my credit report to the three major credit bureaus. As of XX/XX/XXXX the inquiry still remains on my XXXX report. I have contacted Synchrony Financial many times and have disputed the inquiry that still remains with XXXX just as much. The account has been removed but the inquiry still remains. The other two credit bureaus have removed the account and inquiry from my credit report for some time now. I have submitted a letter to XXXX for further investigation and removal of this inquiry as well as taken steps with Synchrony Financial to see what the hold up has been regarding this issue. I have been told by numerous representatives that they have re-submitted a request of removal to the three credit bureaus and have been told to rest assure the issue has been taking care of throughout the last year and a half. I have taken diligent notes and feel confident that this process should not be taking this amount of time to be removed from my credit report especially since the account and inquiry associated was opened fraudulently.
Consumer complaint received 2024-04-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I was working with XXXX XXXX of Bank of America to get approved for a home loan in XXXX and XXXX of 2024. I asked countless times to get preapproved before making an offer on a home and was continuously prompted to only get prequalified. My pre-qualification covered the loan amount so I put in my offer and it was accepted. 

After being required to pay for an inspection, appraisal, earnest money, due diligence money AND home owners insurance, totaling over {$4500.00}, I was denied for my loan with Bank of America and forced to lose those funds. 

The XXXX did not tell me there were issues with being at my current job for less than 12 months. He did not disclose that Id have to spend more money upfront to get my XXXX ratio down, he did not warn me of any of these circumstances as any good LO would have done. 

This was all in an attempt to utilize their XXXX XXXX programs to help borrowers like me realize their dreams of owning a home. The grants were expected to cover XXXX in downpayment, and XXXX in closing costs. I was still asked to spend $ XXXX out of pocket for downpayment and less than XXXX of the closing cost grants were actually applied to my closing costs. 

The total cash to close was going to be well over $ XXXX even with these grants. This has been the worst experience trying to get a loan of any kind. Do not recommend.
Consumer complaint received 2024-04-04
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: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

Hello, I recently received a copy of my credit report and I noticed an inquiry that I did not authorize and of which I do not have knowledge. Please be advised that by law no inquiry can be place on my credit report without my authorization. I am requesting that this inquiry be removed immediately from my credit report. I Remove the following unauthorized inquiries from my credit report : XXXX. XXXX XXXX XXXX : XX/XX/2022 XXXX. XXXX XXXX XXXX XXXXXXXX. XXXX, XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  I HAVE ATTACHED MY CREDIT REPORT THAT SHOW THE HIGHLIGHTED INQUIRES. PLEASE DELETE THESE UNAUTHORIZED INQUIRES!!!
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XX/XX/2023 - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

Trans Union, XXXX, and XXXX have 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 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 or 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 data is inaccurate.
Consumer complaint received 2024-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (FL)

An unauthorized user forged my name on a check made out to me only and cashed it by depositing in my checking account VIA an ATM at the branch I opened the account at and emediatly withdrew {$1200.00} from my account and continued to make cash withdrawels and debits totaling over {$5400.00}. I was the accounts only authorized user. I have a copy of the check showing that it was an obvious forgery and I was XXXX at the time of all transactions. I have went to the bank and told them I did not make these transactions and I want my money back and they said there is nothing they could do about it. As a result of this, it caused me to become homeless and struggling to survive for the past 2 years at age XXXX. I asked the bank manager, You mean to tell me that a person can come to the bank forge my name on a check deposit it and emediatly withdraw {$1200.00} cash and continue to make cash withdrawals from my account and make debit transactions totalling over {$5400.00} in 10 days and no red flags that anything is wrong.
Consumer complaint received 2024-05-17
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)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-04-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This is XXXX XXXX please 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 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.
Consumer complaint received 2023-12-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (FL)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2023-12-30
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. (NC)

I am formally requesting this letter to remove the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1200.00} XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$1600.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$2200.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$2300.00} CREDIT COLL Original Creditor : XXXX XXXX XXXX Balance Owed : {$170.00} XXXX  Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$8000.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$170.00} XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX Owed : {$280.00} XXXX XXXX  SERV XXXX Balance Owed : {$340.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX ; XXXX XXXX XXXX XXXX Balance : {$19000.00} ; XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX & XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX Inquired on XXXX XXXX, XXXX
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: The Aligned Company DBA Extra (FL)

NOTICE TO AGENT IS NOTICE TO PRICIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I have written to the company Extra before about the inaccurate information on my consumer report along with an FTC report. i was told they investigated this and everything was accurate. 

in pursuant to 15 usc 1681e An " Investigative consumer report '' refers to a consumer complaint or part thereof where details concerning a consumer 's character, general reputation, personal traits, or lifestyle are gathered through personal interviews with neighbors, acquaintances, friends, or other individuals familiar with the consumer in question. This definition, however, excludes precise factual data regarding a consumer 's credit history obtained directly from the consumer 's creditor or the consumer. 

In pursuant to 15 usc 1681c-2 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 alleged identity theft.
Consumer complaint received 2023-04-11
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. (SC)

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 

The Credit bureause stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under : 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 2023-09-22
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. (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-04-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2024-04-22
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. (MA)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.