davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-20
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. (CA)

I have 6 loans on my credit report reported that arent accurate. Two loans open in XX/XX/XXXX, I have no knowledge of. One loan I paid off in XXXX isnt even showing on my credit report. 

I called my loan servicing to get help with correcting my credit report and after 30 minutes of specking with an uneducated rep, I was advised to mail the report in for review. I am requesting to have my lone servicer changed.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

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 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 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-04-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I consistently make on-time payments. I am confident about this. What baffles me is why this company is marking me late in some months, which shouldn't happen. As per USC 1666b, any billing errors must be rectified, or else they'll owe me {$1000.00} for each inaccurately reported account.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I've formally requested an investigation into these accounts due to inaccuracies in my credit report. Attempts to contact the creditor for managing and removing the account have been made, as FCRA 605B mandates the removal of any erroneous accounts from a consumer 's credit report. Urgent resolution of this issue is imperative.
Consumer complaint received 2024-04-16
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. (PA)

I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments.
Consumer complaint received 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: COMMERCE BANK (MO)

1. Reported my account as a deliquent/ closed/ account since XXXX  but also 2. Reported the same account as taxable income via 1099C to the IRS. 

The account can not be smearing the credit history once it is resolved with the consumer and reported as cancelled debt and therefore taxable Income to the IRS.
Consumer complaint received 2023-11-24
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: KEYCORP (UT)

My savings and checking accounts were placed on hold leaving me without any money. Automatic payments came in overdrafts my accounts. I'm being charged fees for insufficient amounts. Paying to cash checks now. Paying more for auto insurance because I no longer auto pay. It shows on my credit report the case was closed by the collections agency in 2008. I never received anything notify me as my address changed over 5 years ago from where they sent things. Medical bills originally. Transfered to XXXX XXXX XXXX. Being served by XXXX XXXX XXXX currently. Never notified of transfers or debt at all. Was in XXXX  2 years. The way I was notified is all my funds were on hold XX/XX/XXXX then they sent paperwork to wrong address
Consumer complaint received 2024-02-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Express Recovery Services, Inc. (UT)

I was told by the XXXX XXXX XXXX XXXX  billing department 's supervisor, XXXX, that my billing would be put on hold until all claims were processed through my insurance. In XX/XX/2023, I received several letters from Clear Management Solutions requesting payment for medical billing from the XXXX XXXX XXXX stating those bills were in collections. I have called XXXX XXXX XXXX XXXX XXXX billing department requesting to have the bills recalled from collections so that the insurance can be processed as the billing amounts were incorrect. I was told that I needed to call XXXX and request that they send the bills back to the XXXX XXXX XXXX I did that and XXXX told me that they do not have that ability and that the XXXX XXXX XXXX needed to request the bills to be sent back. They have also harassed me by calling me several times requesting payment even after I told them that the amounts were incorrect and after asking them to stop calling me. I have called the XXXX XXXX XXXX XXXX  billing office requesting to have the bills returned to them so that they can be properly processed and paid, and I was told that I needed to speak to a supervisor. I have called back every other day since XX/XX/XXXX requesting to hear from a supervisor, yet have never received any communication from them. 

The following bills that this company shows that are due are incorrect : XXXX XXXX # XXXX they show a balance of {$220.00}. My XXXX  from insurance shows my XXXX responsibility as {$190.00}. 
XXXX XXXX XXXX XXXX they show a balance of {$27.00}. My XXXX from my insurance shows a XXXX responsibility of {$0.00}. This claim was included with the above claim and the total amount due is {$190.00}. 
XXXX XXXX XXXX XXXX they show a balance of {$1100.00}. My XXXX from my insurance shows a XXXX  responsibility of {$750.00}. 
XXXX XXXX XXXX XXXX they show a balance of {$1100.00}. My insurance is currently processing this claim and show a {$0.00} balance until the claim is completely processed. 
XXXX XXXX XXXX XXXX  they show a balance of {$920.00}. My XXXX from my insurance shows a XXXX responsibility of {$0.00}. 

My current balance due at the XXXX XXXX XXXX  is {$2500.00} pending the hospital visit claim # XXXX, NOT the {$5100.00} that they are stating that I owe. I have already provided my XXXX to the XXXX XXXX XXXX XXXX billing office for them to be updated, yet nothing has been done and my bills are still in collections with XXXX. 

The bills need to be recalled from XXXX IMMEDIATELY and properly billed to reflect the correct amount due of {$2500.00}. I will then be HAPPY to pay them off.
Consumer complaint received 2024-04-16
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. (NY)

In accordance with 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.

Account Name : DEPTEDXXXX  Account Number : XXXX and list of Inquiries. 

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (AK)

I initially called several months ago to ensure that I was on the SAVE plan and to have my loans put into repayment so that interest would not accrue. I have called 3 times since then to confirm that I am on the SAVE plan and that interest is not accruing as I keep seeing interest applied to my account. Every time I call them I get a different answer. Right now my loans are no longer in repayment, and I did not authorize this. Today on XX/XX/XXXX I have spent 4 hours on hold and when I do get a real person the line disconnects in the middle of the call. One thing the representative did tell me is that there is a problem on Mohelas side with loans being kicked out of repayment and back into deferment or forbearance, thus not qualifying for the SAVE plan, allowing interest to accrue. 

I have also sent several messages through my portal which take weeks to receive a response and often the response is like this one from XX/XX/XXXX : MOHELA 's Response : Thank you for contacting MOHELA, Our records indicate that you have already called and spoken to one of our Customer Service Representatives regarding this inquiry. We will assume the inquiry has been handled. 

If you have any additional questions, please contact us toll free at XXXX. Our hours are Monday XXXX XXXX. to XXXX XXXX., Tuesday and Wednesday XXXX XXXX. to XXXX XXXX., Thursday and Friday XXXX XXXX. to XXXX XXXX. CT. 

Thank you, MOHELA '' Yet my questions are never answered and the interest continues to grow. At this point I have spent days on hold with Mohela, when I should be working on my job applications. This is an unacceptable use of government programs.
Consumer complaint received 2023-07-26
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. (NY)

I have carefully reviewed my credit report in Experian. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-06-14
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. (FL)

My XXXX  account XXXX XXXX is showin a comment of : Account in dispute under Fair Credit Billing Act In fact, the account is NOT in dispute and is active with no balance and has a {$20000.00} credit line.
Consumer complaint received 2024-01-10
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. (NJ)

Under the Fair Credit Reporting Act ( FCRA ), credit reports must accurately reflect a consumer 's credit history. Any discrepancies, such as incorrect late payments, closed accounts, or unauthorized inquiries, violate this federal law, granting you the right to dispute and rectify these inaccuracies. 

Social - XXXX
Consumer complaint received 2024-02-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Solar Mosaic LLC (FL)

SOLAR MOSAIC refused to send statements of balance or inform of delinquency status and balance. SOLAR MOSAIC led me to believe payments were suspended due to the legal matter since they were not sending statements or allowing me access to my online account when they were retaliating against me and setting me up. I also tried to access my MOSAIC SOLAR account online and I got a message " UNAUTHORIZED ACCESS ''. SOLAR MOSAIC should not be able to mark me as delinquent to credit bureaus all the way to charge off status without informing me at each progression which they did not ever do through statements or verbally or through my attorney ( I have a pending separate legal matter with them which is moving very slowly and it appears they want to ruin my credit as retaliation because they are singling me out among all the other customers who they are sending statements to and allowing access to their computer account. )
Consumer complaint received 2024-02-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: BMO Bank, N.A. (CA)

I have attempted to make payments validly more than 30 times over the past month. BMO Bank has canceled almost all of them, even though they were valid. I have attempted to call them 10 different times and have spoken to about 20 different people to try to resolve the matter.

They have claimed a problem with their computer system, and then they claimed I need to update my computer and application, but none of those things are valid. Everything is up-to-date.

They still have not provided any resolution in our continuing to charge me interest, because I can not put the payment through any other way without paying them fees. The other methods they have provided to make a payment require me to pay additional fees.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-04-16
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 am writing to bring to your attention a matter of utmost concern regarding the presence of fraudulent items on my account. This letter serves as a formal complaint regarding the initial attempt to address and remove these unauthorized entries. 

The discovery of fraudulent activity on my account has caused me considerable distress and anxiety. As a valued customer, I trust in your institution 's ability to safeguard my financial interests and promptly address any security breaches. The failure of the initial attempt to remove the fraudulent items undermines this trust and raises doubts about your institution 's effectiveness in handling such matters. 

I urge you to take immediate action to rectify this situation. This should involve a thorough investigation into the root causes of the initial failure to remove the fraudulent items, as well as the implementation of robust measures to prevent their recurrence in the future. With this, I am asking for your assistance to remove these accounts in my credit file : DEPTEDXXXX XXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} ; DEPTEDXXXX XXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00}.
Consumer complaint received 2018-11-19
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LendingUSA (FL)

Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 

Account Name : XXXX - LENDING USA Monthly Payment : {$170.00} Date Opened : XX/XX/2017 Balance : {$2700.00}
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (GA)

I've noticed you have been reporting my information to the 3rd party credit bureaus which are on my credit report XXXX and I never gave you Consent to do so which is in violation, also you can not disclose my information unless you have given me an explanation on a non disclosure option to opt out which you have not done, according to The Federal Trade Commission. 

15 U.S. Code 6801- Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
Consumer complaint received 2024-04-16
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. (GA)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-02
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. (NV)

Violation of the Fair Credit Reporting Act occurs when entities access consumer reports for purposes not explicitly permitted under Section 15 USC 1681b. Such violations include accessing reports without a valid reason, using them for unauthorized purposes, or failing to comply with the Acts guidelines and restrictions. Bankruptcy Court doesnt report Bankruptcy to Credit Bureau XXXX XXXX and others report, and sell personal information. This is a privacy violation even if it is invesigated as accurate. companies like XXXX offer information services that may include data protected by privacy laws, such as the Fair Credit Reporting Act ( FCRA ) in the United States. These laws regulate the collection, use, and dissemination of consumer information to ensure individuals privacy rights are respected and their data is handled appropriately. Any unauthorized access, use, or sale of such protected information may constitute a violation of privacy laws and could lead to legal consequences for the company involved.
Consumer complaint received 2024-02-19
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Mercedes Benz Financial Services (NJ)

XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX Subject : Formal Objection to Repossession of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account Number XXXX Dear Mercedes Benz Financial Services , I am writing to formally object to the repossession of my XXXX XXXX XXXX XXXX XXXX XXXX with XXXX XXXX under account number XXXX, which occurred on XX/XX/XXXX. This repossession has been conducted without any prior notice to me, violating my consumer rights as outlined by the laws of the State of New Jersey. 

The lack of notification regarding the repossession is not only a breach of contract but also a violation of the fair practices expected in such matters. As a consumer, I have the right to be informed and provided with reasonable notice before any repossession action is taken. However, this fundamental right has been disregarded in this case. 

I am formally objecting to this repossession and would like to bring to your attention the mandatory arbitration clause present in the contract. As per the terms of our agreement, any disputes or disagreements are to be resolved through arbitration. Therefore, I intend to exercise my right to arbitration in order to address this matter. 

I expect prompt communication from your end regarding the resolution of this issue through arbitration. Please provide me with the necessary details and procedures to initiate the arbitration process at your earliest convenience. 

I trust that we can resolve this matter amicably and in accordance with the laws and contractual agreements in place. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name XXXX XXXX XXXX. I have no association or knowledge of who this person is or where this name came from. The information is not mine and is not related to me. 

Name reflects on credit as XXXX XXXX.