davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (TX)

Aidvantage continues to report the consolidated loans to the credit bureaus, while the loans are continuing to accrue interest and the balances continue to increase which is negatively impacting my credit scores and credit profiles. My latest credit bureau reports state that the balances on that consolidated loan balance has increased again. That solely decreased my credit score. 

Here is what the US. Department of Education is saying about forbearance and interest on borrower defense approvals. 
" Title 34, Subtitle B, Chapter VI, Part 685, Subpart D, Section 685.406 ( 1 ) Approval of a Borrower Defense Claim. If the Secretary approves the borrower defense claim ( i ) The written decision states the Secretary 's determination and the relief provided as defined in 685.401 on the basis of that claim.

( ii ) The Secretary places a borrower 's Direct Loans associated with a group borrower defense claim into forbearance until the Secretary discharges the loan obligations under 685.212 ( k ). If any balance remains on the Direct Loans not associated with the borrower defense claim, those loans will return to their status prior to the claim process. The Secretary resumes collection activities on those Direct Loans not associated with the borrower defense claim no earlier than 90 days from the date the Department official issues a written decision. No interest will be charged on the loans during the forbearance period. " Those consolidated loans are a part of the Borrower Defense to Repayment approved application and they are supposed to be discharged and the tradelines deleted from my credit profiles. While in forbearance and awaiting discharge they should not be accruing interest. Why is interest still accruing? 

XXXX XXXX
Consumer complaint received 2024-05-16
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (GA)

Navy federal closed my credit card account due to delinquent payment, I am XXXX XXXX XXXX  since XX/XX/XXXX, I am protected under scra. Navy federal stated they are only required to offer XXXX  % interest rate. Which isnt true.
Consumer complaint received 2023-08-30
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: EQUIFAX, INC. (IL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-08
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: EQUIFAX, INC. (FL)

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
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 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have reached out to Transunion, XXXX, XXXX on XX/XX/2024 in regards to removing these inaccuracies off of my credit profile. Currently each bureau has these XXXX account listed as XXXX offs, which are certificate of indebtness meaning income and income can not be reported on one 's report. Also these XXXX account have different last activity dates. The Fair Credit Reporting Act grants the right to accurate and fair credit reporting using XXXX XXXX XXXX. Please remove WEEBANK/FINGERHUT, CAPITAL XXXX FINANCE, and XXXX XXXX XXXX XXXX XXXX my credit profile
Consumer complaint received 2024-01-08
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: EQUIFAX, INC. (CA)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-07
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: JPMORGAN CHASE & CO. (IL)

I purchased and received approval for a XXXX XXXX XXXX and the payment was XXXX and on XX/XX/XXXX I received a letter in the mail saying that the loan was not approved XXXX XXXX XXXX XXXX and JP Morgan Chase. The car payment and the insurance were paid XXXX weeks before the first due date and they removed the money from the account. The new approval was for XXXX and the original approval was for XXXX. I consider this fraud considering the financing was already approved and I already made the first payment.
Consumer complaint received 2023-04-01
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. (PA)

In accordance with the Fair Credit Reporting Act these companies have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
15 USC 1681 Section 602 states I have a right to privacy.15 USC 1681 states a Consumer Reporting Agency can not furnish an account without my written permission.
Consumer complaint received 2024-01-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (PA)

Loan was sold earlier this year to NewRez XXXX Provided both XXXX XXXX XXXX XXXX XXXX XXXX Polices through web portal XXXX Insurance Agent mailed XXXX XXXX XXXX Policy to provider ( confirmed address ) XXXX Provided both XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX through web portal after receiving another letter stating lender would place insurance coverage on property. 
XXXX XXXX XXXX XXXX XXXX speak with a representative. Representative indicated they only received one policy. I sent both policies to her while on the phone. She indicated that the XXXX XXXX XXXX was not adequate coverage for the new lender. I told her this was not explained in any of the letters which was misleading. I also didn't choose to have this mortgage sold to a different lender. I also indicated that we have had this same policy since XXXX  without any issues and this would come at a great expense to us. Practice is misleading to send notifications without information on how to resolve without calling. Also suddenly requiring additional coverage is penalizing and comes at a large expense.
Consumer complaint received 2024-01-08
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: EQUIFAX, INC. (FL)

I obtained my full credit reports from the credit agencies XXXX, Equifax and XXXX and noticed that my reports were incorrect or were missing some information about my credit card charge account XXXX available credit limit. My XXXX XXXX Account has reached out to all credit report agencies and have stated they sent in information but have not been given the correct and proper assistance with reporting the accurate information for my credit card account. 
All credit reports for my XXXX account should be showing a balance of {$16000.00} as the credit limit of 1 year and 4 months of credit age. XXXX has notified me that the credit report agencies are not cooperating with their company on reporting accurate information they have sent out and reached out to the three credit report agencies. 
I have attached the proof of emails from XXXX about this matter as well as proof of the credit limit and information for this credit account. 

This account called XXXX account number XXXX current credit limit is {$16000.00} total and needs to be updated on all credit report agencies also the payment history should show one year and 4 months of positive payment history. 

The following incorrect information being reported currently as followed : XXXX is not reporting any information currently for this account at all after confirming with XXXX that the information I have listed above is on my credit report when it is not. XXXX are currently reporting a credit limit of {$0.00} with only one month on time payment even though the account is two years old this information is incorrect. XXXX has also stated they have been having problems with their data issue with reporting files but has yet to get back in contact or give an update to me or XXXX account. Equifax is lastly reporting a credit limit of {$12000.00} when the credit limit is {$16000.00} and credit age is 1 year and 4 months. 
This account called XXXX account number XXXX current credit limit is {$16000.00} total and needs to be updated on all credit report agencies also the payment history should show one year and 4 months of positive payment history.
Consumer complaint received 2024-01-08
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: FORD MOTOR CREDIT CO. (FL)

I am writing to file a formal complaint against Ford Motor Credit regarding significant inconsistencies and inaccuracies in the reporting of an account on my credit reports. Despite my repeated attempts to rectify these errors with both the credit bureaus and Ford Motor Credit, the discrepancies persist. The account details, as reported by XXXX and XXXX, exhibit discrepancies and incomplete information that remain unresolved. The account in question is outlined below : - XXXX lists the worst delinquency as None Reported, while XXXX categorizes it as Charge Off/Other Derog. 
- Inconsistencies exist in the payment history, with numerous months showing no data reporting. XXXX reports a charge-off from XXXX through XX/XX/XXXX and in XX/XX/XXXX, while XXXX does not report any of this information. 
- XXXX does not provide the date closed for this account. 
- XXXX does not report the terms of this loan. 
- There is no dispute remark, despite this account having been previously in dispute. 

Attached is a copy of the account details from my credit reports, illustrating these inconsistencies.
Consumer complaint received 2024-01-08
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: EQUIFAX, INC. (VA)

I Have been a victim of identity theft I contacted Equifax and XXXX about these accounts : 1- XXXX XXXX XXXX opened XXXX/XXXXXXXX  balance {$19000.00} 2- XXXX XXXX XXXX opened XX/XX/XXXXXXXX  balance {$870.00} 3- Hard inquiry from XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I have informed them that these account are fraudulent and I didn't open them I have sent in a copy of my DL and SS card per there request as well as a copy of police reports that proves I didn't open these accounts I have asked for these account to be removed from my report. and nothing happens and they keep making me send in my id every time I call and the issue has not been fixed
Consumer complaint received 2024-01-08
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: EQUIFAX, INC. (FL)

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 deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-20
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: EQUIFAX, INC. (VA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-04-20
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. (NY)

Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy.
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (OH)

I've been a victim of identity theft. My information was exposed to the public in the Equifax data breach and I noticed a lot of unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances of getting a mortgage and has caused a lot of financial harm to me. I need these fraudulent inquiry accounts removed ASAP.
Consumer complaint received 2023-04-20
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. (TX)

I have account charge off that I payed for that need to be update I have account with late payments that dont suppose to be there I have hard inquiries thats not mines I have made police report and sent it to them and somebody still been tring get stuff in my name I have call them and sent paperwork nothing have been done
Consumer complaint received 2024-01-08
Product: Mortgage — FHA 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: WELLS FARGO & COMPANY (NJ)

In 2021 my XXXX was eligible for a loan modification under the XXXX XXXX which would have waived the past due balance on my XXXX  and would have at least kept the same payment of approximately {$2400.00} per month. 

However, because I was going through a divorce, Wells Fargo refused to allow me to accept the loan modification without the agreement or approval of my then spouse- which is in violation of XXXX  Rules. 

My ex-spouse refused to sign the modification papers which would have only been beneficial to him as well. 

Wells Fargo would not allow me to make any decisions in regard to the XXXX  unless I obtained a XXXX XXXX. My ex-spouse remained uncooperative, and, as a result, the house went into XXXX. I asked only for the house to be signed over to me in the divorce - by XXXX XXXX. I was finally able to get the XXXXXXXX XXXX  but the house was in XXXX  and on the XXXX 's XXXX list. 

Subsequently, after proving the XXXX XXXX  was executed, Wells Fargo then offered a so-called loan modification to me in which they put all of the past due balances onto to the loan and raised the monthly payment to {$3500.00} per month. 

I had to take out a {$12000.00} loan to be able to meet the payment during the trial period of this so-called loan modification. 

Wells Fargo purposely, illegally prevented me from accepting the loan modification in 2021. This corrupt institution refused to allow me to accept the loan modification but was perfectly okay with piling all of the past due as well as the newly accrued balances to file for XXXX  against me. Ultimately, I believe I was discriminated against because of my gender.
Consumer complaint received 2023-02-03
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. (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I've learned that the creditor didn't provide the necessary XXXXday notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX XXXX, and this report is being composed by me. According to the consumer laws, the accounts listed here should not be furnished on my consumer report as they are in violation under XXXX XXXX code XXXX ; Permissible purposes of XXXX XXXX ( a ) in general subject subsection ( c ) any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other ; ( XXXX ) By the written instruction of the consumer to whom it relates. I never gave any consumer reporting agency my written consent and instructions to report anything on my consumer report which violates my rights to the federally protected consumer. No consent is identity theft. As a consumer, I am demanding the deletion of these accounts in this report immediately. It's annoying lastly, according to XXXX XXXX XXXX consumer reporting agencies have assumed A vital role in assembling and reevaluating consumer credit.
Consumer complaint received 2024-01-08
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: EQUIFAX, INC. (NY)

I HAVE NEVER APPLIED FOR CREDIT WITH XXXX  XXXX ON XXXX. 
I HAVE NEVER APPLIED FOR PERSONAL CREDIT WITH XXXX XXXXXXXX ON XXXX. 
BOTH COMPANIES HAVE BEEN NOTIFIED. 
THESE UNAUTHORIZED TRANSACTIONS FOR CREDIT ARE NOT MINE.
Consumer complaint received 2023-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XX/XX/2016 To Whom It May Concern at the Consumer Financial Protection Bureau , I am writing to file a complaint under USC 1681a2 regarding fraudulent activity on my credit report. I recently discovered that there have been unauthorized charges made on my account with [ XXXX XXXX  ], and I believe that my personal information may have been compromised. 

The fraudulent activity has caused significant harm to my credit score, and I am deeply concerned about the potential impact on my financial wellbeing. I have taken steps to address the issue by reporting the fraud to the creditor, filing a police report, and notifying the credit reporting agencies. 

However, the fraudulent charges and related information continue to appear on my credit report, despite my attempts to dispute them. This is a clear violation of USC 1681a2, which requires credit reporting agencies to ensure that the information they provide is accurate and complete. 

I am requesting that the CFPB investigate this matter and take appropriate action to ensure that my credit report is accurate and free from fraudulent activity. I am also requesting that any incorrect information be removed from my credit report and that any accounts opened fraudulently in my name be closed immediately. 

I am committed to taking whatever steps are necessary to protect my financial wellbeing and prevent further harm from this fraudulent activity. I appreciate your attention to this matter and look forward to a prompt resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2023-05-01
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: Experian Information Solutions Inc. (NC)

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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