davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

Following Only XXXX Addresses are associated with me. 
XXXX XXXX XXXX XXXX CA, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Address ID # XXXX Apartment complex ====================================================================Following Addresse is NOT associated with me. 
XXXX XXXX XXXX XXXX CA, XXXX ================================================================== I did not apply to this merchant this unauthorized by XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX ) XXXX
Consumer complaint received 2023-11-05
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. (MI)

in accordance with the Fair Credit Reporting act XXXX Account # 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 ( XXXX XXXX XXXX XXXX XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2021-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

Following Only 2 Addresses are associated with me. 
XXXX XXXX XXXX XXXX CA, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Address ID # XXXX Apartment complex _____________________________________________________________________ Please correct the following, prior to filing FCRA lawsuit against Experian CC. Law Offices XXXX XXXX XXXX Following Addresses and Phone Numbers are NOT associated with me. 
XXXX XXXX XXXX XXXX CA, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Address ID # XXXX Multifamily XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX ID # XXXX Multifamily XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX ID XXXX XXXX Single family _____________________________________________________________________ Phone Numbers ( XXXX ) XXXX Cellular ( XXXX ) XXXX Cellular _____________________________________________________________________ I did Not apply to XXXX XXXX it was obtained without my permission XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX Contact info XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX
Consumer complaint received 2023-05-22
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. (NY)

My right as a consumer is being violated according to " 15 usc 1681 a 2 ''. In Accordance with the Fair Credit Reporting act, Account Name : 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 15 U.S.C 166b 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 2023-12-29
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: EQUIFAX, INC. (CA)

I've recently had my XXXX and Equifax accounts taken over by fraudsters. Both of these accounts have been locked down for weeks. I've sent via mail all the necessary identity information they requested in order to give me back access and after placing weekly calls to both these credit bureaus they still say its being processed and I don't have access.
Consumer complaint received 2022-11-08
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: EQUIFAX, INC. (GA)

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-XXXX ) the credit bureaus are required to remove any accounts or information not later than XXXX business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX XXXX : {$38000.00} ; XXXX  XX/XX/XXXX
Consumer complaint received 2022-11-08
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. (MI)

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous 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 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX, MI XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX
Consumer complaint received 2023-07-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Albert Corporation (OH)

I opened a smart savings account with the Albert app recently, it saves small amounts based on your usage, etc. The second through fourth day I was with the app it withdrew {$150.00} from my checking account. I have tried multiple times to transfer the funds back but theyve been held in limbo. It has now been 5 business days and Ive contacted the company to see if they could help. My account is now overdrawn. The company was no help and said the funds can be transferred when theyre available basically. Today is Saturday, XXXX XXXX and I still can not transfer my funds back to my account. I will incur multiple overdraft fees. Thank you
Consumer complaint received 2023-12-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC (IL)

I had a gym membership with XXXX XXXX in XXXX in XXXX XXXX, XXXX. I notified in person, in the gym, in XXXX of that year that I was moving to a location that did not have a XXXX XXXX and needed to cancel. I was told that the cancellation was taken care of but due to the billing cycle, I would be charged for XXXX. I said that was fine. 

In XXXX of XXXX, I noticed they were still charging my credit card. I called and told them I had canceled and they said it was an error and they would cancel the charges. In XXXX of XXXX, they charge a yearly membership fee to me. I called again and again it was database errors. I informed them that I would be disputing the charges with my credit card company as it was becoming fraudulent. They said it would be taken care of. 

Now in XXXX of XXXX, I have received a debt collection for {$290.00} for a membership I have not had for over 2 years and have not been to XXXX XXXX in that time. I am at wits end on how to get them to stop trying to bill me and lie.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

Several Errors for An Alleged Debt are On My XXXX and Experian XXXX Reports. 

Date Opened can not be XX/XX/XXXX On My XXXX XXXX Report AND also be XX/XX/XXXX on My Experian Consumer Report. 

The Account Is Listed as A Charge Off Therefore there Can not be a Balance of {$790.00} AND a Past Due Amount of {$790.00} listed on XXXX XXXX XXXX and Experian Consumer Reports.

No Account Can Be Listed as Charged Off as Bad Debt AND Canceled by Grantor AND Closed Due to Inactivity AND Reprted As A Loss by the Credit Grantor AND Listed in the Legend as CO for Every Month from XX/XX/XXXX through XX/XX/XXXX. 

Violations of My Consumer Rights include : Repeating CO Every Month.

Not Reflecting a XXXX  Balance after Debt has Been Sold.

Not indicating If/When the Account was Sold. 
Errors Across Multiple Consumer Reports. 
Attempts to Collect a Debt after the State of Illinois Statute of Limitations for Debt Collection has passed.
Consumer complaint received 2023-11-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IL)

I chose to pay off the total amount of my loan. The website said to call the companies number to pay off and to request a pay off letter. I tried calling several days for several hours at a time. I could not reach anyone and my interest was increasing every day. So I paid my loan online, according to the amount listed on the companies website and the federal loan website. As my loan was processing, interest was continuing to increase. I called and finally reached someone after 3 hour wait time. The person on the phone told me that any additional interest would be removed after my payment finished processing. After my payment went through, it still showed a balance of interest. This meant my loan was not yet paid off and I wouldn't receive a " paid in full '' letter. I tried to contact the phone number three days in a row but was on hold until the company closed for the day. I finally chose to pay off the interest so that my account could be " paid in full '' and not have any outstanding balance. The company mishandled my payment, as it showed the amount due as being under " principle '' of the Student Loan Gov website but under " interest '' on the company website. I believe I accrued interest that should not have been charged by company and I was forced to pay additional funds because of lack of communication.
Consumer complaint received 2023-11-07
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)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Creditor file XXXX this changes the status from charge off or debt to ordinary income. Income doesn't get reported on my consumer report so the reporting of a charge off on my report is illegal because it is income.it is no longer debt once the XXXX is file it has changed to income. 15usc 1681b accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the info concerning the individual about whom the report relates.
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC (CA)

I settled this account back on XX/XX/XXXX however, XXXX has failed to update my credit report after 2 months to show a {$0.00} balance is owed. 

I received a confirmation that my settlement was processed successfully by XXXX XXXX XXXX payment service. 

See below. 

From : XXXX Date : Mon, XX/XX/XXXX at XXXX AM Subject : Payment Confirmation To : XXXX Dear XXXX, XXXX, Thank you for using the XXXX  XXXX XXXX XXXX XXXX. This is to confirm your authorization, on XXXX XXXX at XXXX, for electronic debit from your funding account payable to XXXX XXXX XXXX. The following account ( s ) will be paid, in the total amount of {$4900.00}. 

Account Number : XXXX Confirmation Number : XXXX Effective Date : XXXX XXXX Payment Amount : {$4900.00} The payment will be completed on effective date or shortly thereafter. 

Thank You, XXXX XXXX XXXX RIGHT TO REFUND " If you, the customer, are a resident of California, you are entitled to a refund of the money to be transmitted as the result of this agreement if XXXX XXXX XXXX XXXX does not forward the money received from you within 10 days of the date of its receipt, or does not give instructions committing an equivalent amount of money to the person designated by you within 10 days of the date of the receipt of the funds from you unless otherwise instructed by you. If your instructions as to when the moneys shall be forwarded or transmitted are not complied with and the money has not yet been forwarded or transmitted, you have a right to a refund of your money. If you want a refund, you must mail or deliver your written request to XXXX Payments, Inc.* at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If you do not receive your refund, you may be entitled to your money back plus a penalty of up to {$1000.00} and attorney 's fees pursuant to Section 2102 of the California Financial Code. '' * XXXX XXXX XXXX XXXX is a third party vendor facilitating the money transfer on behalf of your service provider.
Consumer complaint received 2023-11-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MA)

On XX/XX/28 I wrote to Mohela why the money wasn't pulled out from my checking. They sent me the generic paper which states it can take up to three days. If I make the payment myself then Mohela will still take out the original auto payment. Which will be my entire paycheck and will bounce everything. So I waited and kept looking for the payment to be withdrawn Now today XXXX my account says no pending payment and now says past due. I did NOT and have not received any correspondence from them about what is going on. Do I pay it manually or are they going to take the money. My first message I did say I am NOT paying late fees. I just wrote to them. Like I told them, I have enough stress in my life and adding this is upsetting and ridiculous. I just need to know what is the issue with the XXXX payment and NOT send me a generic letter.
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AmeriCollect (FL)

On XX/XX/XXXX I wrote a complaint about the this company and the misleading data on my credit report due to them. I am now preparing to file a lawsuit due to purposely and intentionally furnishing inaccurate and false data on my credit. They responded on XX/XX/XXXX that I am a victim of fraud yet with no resolve so I will seek 1 % of the gross revenue and {$1000.00} per violation. ACCOUNT NAME AMERICOLLECT INC Account : XXXX AMERICOLLECT INC Account : XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above STATUS Company responded there may be potential fraud involved on XX/XX/XXXX
Consumer complaint received 2023-11-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MA)

I applied for the SAVE program. This was approved but the payment I was given seemed to be much higher than I expected when I did the math. It turns out MOHELA had used the wrong poverty tables, so I re-certified my income. An automated document returned closer to my anticipated payment amount, but it still had to be officially approved. In the meantime, I made the full payment at the higher rate.

Today I logged in and saw that I have been placed in an alternate payment plan ( not SAVE ), with an even higher payment amount than before!!! Additionally, my account is accruing interest which it should NOT be on the SAVE program. I have attempted on multiple occasions to speak with someone from the company without success.
Consumer complaint received 2023-12-29
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Federal Adjustment Bureau, Inc. (OH)

I was charged for XXXX  days of rent after my lease was terminated ( XX/XX/2023 ). This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ invalidated credit information.
Consumer complaint received 2023-04-15
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. (IL)

In Accordance With The Fair Credit Reporting Act. XXXX Account Has Violated My Rights. ( XXXX ) XXXX XXXX {$1000.00} acount # XXXX. ( XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX  acct # XXXX {$910.00}. ( XXXX ) XXXX XXXX  acct # XXXX {$400.00}
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: FISERV INC. (MD)

I have been disputing information on my credit reports with all 3 bureaus and between the 3 of them none of my information is accurate. I just was declined for an apartment and I received my report. XXXX is still showing inaccurate information on my credit report as well as XXXX. My scores are all different between the 3 and this is frustrating.
Consumer complaint received 2023-02-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (MA)

Hello. 
Our mortgage was issues XXXX. The original purchase price was XXXX. XXXX our remaining balance was XXXX, which is 79 %. I submitted an application to remove PMI, because our LTV ratio based on the ORIGINAL purchase price was less than 80 %. The mortgage company is insisting we provide a list of significant upgrades, whoever this should not be necessary because of our LTV ratio. I have tried to explain this to them over email and phone multiple times but the people that handle the request do not have a phone number so the people I call can not help me. I have learned that our mortgage is backed by XXXX XXXX and through phone conversations they have told me that the XXXX XXXX servicing system does not render a property value ( which I dont understand but it seems to be the issue ) I have a right to verify that the current value is at least equal to the original value by a restricted appraisal or a BPO but the mortgage company need to order this appraisal or BPO and they are not willing to do this.
Consumer complaint received 2023-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Comerica (MS)

I've been trying for XXXX months to access my account so I can pay my bills and debts, I've sent my driver 's license, social security card and birth certificate numerous times and they keep saying that it s no good if anything, been hung up on couple times they keep saying that they will call me back, but never do.i have been to the social security office and they say my money has been sent to direct express, but direct exspress will not give me my money..
Consumer complaint received 2023-05-22
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. (PA)

i have tried reaching XXXX Transunion XXXX to alert them that i have not made any of these accounts they ignore my request and they are putting me in a bad position due to having a XXXX im trying to get a new loan on my house and get it equipped for my condition. I went to apply for a loan and they are reporting false inquiries and accounts that are not mines This is costing me time and stress because they are failing to remove the things that aren't mines. I only have a house loan i didn't open or apply for anything on my credit report. I requested that a freeze be put on my credit report and i get a phone call when applying for lines of credit. I These 3 companies have used a automated service and ignore my request. im going to forward this to the white house if this matter is not took care of.
Consumer complaint received 2023-05-22
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. (TN)

I have disputed inaccurate information on my credit report numerous times with Transunion. This goes all the way back to XX/XX/XXXX. XXXX XXXX XXXX XXXX. ( 2 ) XXXX accounts. XXXX XXXX XXXX and XXXX XXXXXXXX XXXX are all still on my credit report and are reporting inaccurate information. They sent me a letter stating the accounts have been verified and updated. But how? If the information is not matching up. I would like to know how was the information verified and if it was indeed verified. These accounts need to be removed and deleted from my consumer report immediately due to Transunion have violated my rights. A consumer report has to be 100 % accurate across the board. Meaning with a 3 credit bureau