davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CO)

I paid off a loan in full XX/XX/2023. I received a statement stating I paid in full dated XX/XX/2023. This loan was for loan sequence 1 of my account. This loan was removed from my account because it no longer had a balance and has not been on my account for the past 10 months. End of XXXX I see this loan has been placed back on my account with a XXXX dollar balance and now interest is accruing. I called Mohela and waited 40-60 minutes to reach a representative. The representative said the loan I paid in full was under " review ''. This loan has been paid off for 10 months. I was not notified my loan was being reviewed. They didn't give me an explanation as to why it was under review or the reasoning for the sudden XXXX dollars added on to my account. I asked, if my account is under review why would they put a random fee on it rather than waiting until the review has been complete. The representative nor the others she was consulting with could answer my questions. They transferred me to a line that was supposed to set me up with a supervisor call and to input my phone number, of course that line didn't work and it disconnected the call. I called back again and was on hold for over 30 minutes and the line was disconnected. 

Per written documentation that has been sent back and forth Mohela is trying to say the day I paid off my loan there was a balance for XXXX dollars more. Yet two weeks later I received a paid in full status and the loan was no longer on my account. I have been paying my loans during the forebearance to work on chipping away at my balance. How can a company give no details or explanation and just add money back in to an already paid off balance?
Consumer complaint received 2024-04-16
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENOVA INTERNATIONAL, INC. (FL)

THE COMPANY BELOW IS IN VIOLATION OF 1692 c ( c ) of the fair debt practices act XXXX XXXX XXXXE ACCOUNT # XXXX XXXX XXXX XXXX XXXX, P.A XXXX XXXX XXXX
Consumer complaint received 2024-01-12
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

I have the right to make sure my private information isn't shared. " It is the policy of 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. The furnisher of information to credit agencies is a financial institution by definition under title 15 USC 1681 section 604a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ( Furnisher if information to credit agencies ) the financial institution and the consumer reporting agency/agents of XXXX, XXXX & Equifax do not have my consent to furnish this information and surely do not have my written consent, whether is verbal, non-verbal, implied, or otherwise revoked. 

Any/all agents of XXXX, XXXX & Equifax have been assuming the roles of holding my information without my permission while reporting inaccurate information and making money off my information. They have refused time and time again to investigate disputed information and failed to delete or correct incorrect information which violates federal law. After filing disputes with any/all agents of XXXX, XXXX & Equifax XXXX they have made their own decision, on purpose, to drop my credit score either by the XXXX XXXX XXXX XXXX without notifying me, verifying, and completing a full investigation for inaccuracy. 

I have attempted to resolve this matter with any/all agents of XXXXXXXX XXXX XXXX Equifax XXXX XXXX. They all have refused and continued to violate the following ; 15 U.S. Code 45 Privacy Act of 1974, Education Privacy Act of 1974 Fair Credit Reporting Act, 15 USC 1681, section 602 621 of the FCRA, 15 U.S.C. 1681s, 12 CFR 1022- Fair Credit Reporting Act 12 CFR 1016.4 16 CFR 433.2 15 USC 16802 ( b ) ( c ) 15 U.S. Code 1681e to avoid violations of section 1681c-15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S.C. 1681a ( f ).

15 USC 1681s-2 ( A ) ( 1 ) ( A ) 15 U.S. Code 1692e
Consumer complaint received 2023-12-06
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. (GA)

I am a victim of identity theft. I have submitted the correct paperwork according to the FCRA and my disputes are not being submitted correctly. The paperwork and my FTC report is not being attached. I am not getting copies of the verification process These are the accounts : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-11
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: Experian Information Solutions Inc. (FL)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, and correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I am writing to request the correction of personal information on my credit report. After reviewing my credit report, I have identified several Inaccuracies that require immediate attention. I kindly ask for your assistance in rectifying these errors to ensure the accuracy of my credit profile. 

XXXX. Address Information : Correct Address : XXXX XXXX XXXX XXXX XXXX, XXXX, Ny XXXX Incorrect Addresses : XXXX XXXX XXXX, XXXX, Ny XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ny XXXX XXXX : Please remove the incorrect addresses listed above from my credit report and ensure that only my correct address is reflected. 

XXXX. Name Information : Correct Name : XXXX XXXX XXXX Incorrect Names : XXXX XXXX XXXX XXXX Request : P lease remove the incorrect name variations listed above from my credit report and ensure that only my correct name, XXXX XXXX XXXX, is used. 

XXXX. Phone Number Correct Phone Number : XXXX Incorrect Phone Numbers : Any phone numbers listed other than the XXXX listed as my correct phone number is incorrect. 
Request : Please remove any incorrect phone numbers listed on my credit report and update my profile to reflect only my correct phone number. 

XXXX. Email Address Correct Email : XXXX Incorrect Email : any email listed other than the one listed as my correct email is incorrect. 
Request : Please remove any incorrect email addresses listed on my credit report and update my contact information to reflect only my correct email address. 

XXXX. XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : any employment listed other than the XXXX listed as my correct employment is incorrect : Request : Please remove any incorrect employment listed on my credit report and update my employment information to reflect only my correct employment. 

I understand the importance of accurate personal information on my credit report, as it directly impacts my financial well-being and creditworthiness. Your prompt attention to this matter is greatly appreciated. 

If you require any further information or documentation to process these corrections, please do not hesitate to contact me at XXXX or XXXX Thank you for your assistance in resolving these discrepancies. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny, XXXX
Consumer complaint received 2024-04-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BTH Management (TX)

Thank you for providing the validation documents for the debt associated with PLAZA SERVICES Account Number XXXX. 

While I review the documents, I want to make it clear that I dispute the legitimacy of this debt with your company. According to the Fair Debt Collection Practices Act ( FDCPA ), creditors must notify debtors before selling their accounts to collection agencies. Since I did not receive such notification, the validity of this debt being transferred to you is uncertain. 

Furthermore, the fact that I was not informed about the sale of the debt raises concerns about the accuracy of the information on my credit report. Therefore, I demand that you remove the record associated with this account from all three major credit bureaus ( XXXX, XXXX, and XXXX ) in accordance with the Fair Credit Reporting Act ( FCRA ). 

Please note that even if the debt itself is valid, you are obligated to remove inaccurate information from my credit report if you can not validate the transfer according to the FDCPA.
Consumer complaint received 2024-01-12
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. (NV)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Consumer complaint received 2023-03-24
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. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

1. On XX/XX/2020 and XX/XX/2020 I received two Bank of America checks, which I deposited for {$950.00} and {$950.00}. 

2. On XX/XX/2020 I returned {$50.00} and on XXXX I returned {$400.00} and {$500.00} via XXXX. The total amount was {$950.00}. 

3. On XX/XX/2020 I returned {$500.00} of the second check via XXXX. 

4. Later on XX/XX/2020 I was informed that the first {$950.00} was returned item chargeback. 

5. On XX/XX/2020 the second item for {$950.00} was returned items chargeback. 

As a result I was scammed out of {$1400.00}. Additionally BofA also charged by two {$12.00} NSF fees on XX/XX/2020 and XX/XX/2020 for the returned item chargeback fee. 

The checks in question both turned out to be fraudulent checks. They both indicated they were drawn on an Bank of America account. I contacted Bank of America and they indicated the XXXX account the funds were deposited into was a Bank of America account, but that they could not share any additional information with me. They have never provided any additional information to me regarding my request to be reimbursed for these fraud losses. 

I feel Bank of America should have been able to assess an on us Bank of Amercia check as being fraudulent on the day they were deposited and immediately returned. Additionally, since the XXXX transfers were part of a fruad dispute and they indicate the funds were deposited into a Bank Of America account, they had the opportunity to seize the funds, freeze the account and research the transactions. Instead they did nothing and simply have left me with {$1400.00} in losses and {$24.00} in fees. 

I would like the CFPB to request more information as Bank of America should not be able to profit from fraud, by charging me fees and if Bank of America becomes aware that XXXX payments were fraudulently transacted into a Bank of America account that they could recovery my funds. Your help in this matter is appreciated.
Consumer complaint received 2024-01-15
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a 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 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to express my frustration and concern regarding the difficulties I have encountered in accessing my free annual credit report through your online platform. Despite multiple attempts, I have been unable to obtain my report, which is essential for me to review and ensure the accuracy of the information contained therein. 

Each time I log in to access my report, I encounter obstacles that prevent me from completing the process. Whether it be technical glitches, denial of access, or requests for alternative means of verification. the result is the same- I am left without access to vital information that is crucial for managing my financial affairs responsibly. 

As a consumer, Ii am not only entitled to but also legally obligated to access my credit report in order to identify and dispute any inaccuracies or fraudulent transactions. However, the barriers I have faced in obtaining this information are hindering my ability to fulfill this obligation. 

I urge [ TransUnionXXXX ] to address these issues promptly and ensure that your online platform is accessible and user-friendly for all consumers. It is imperative that you uphold your responsibility to provide accurate and timely access to credit reports, as mandated by law. 

I request that you take immediate action to resolve this matter and provide me with the necessary assistance to access my free annual credit report without further hindrance. I appreciate you attention to this matter and look forward to a swift resolution Sincerely, XXXX XXXX
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I reached out to the company regarding the removal of the incorrect information and was denied. In addition, the credit scores for XXXX and Equifax are normally at least XXXX points lower than XXXX and the actual FICO scores that are used by the financial institutions that are providing the consumer credit transactions. I'm not sure why one would have to ask multiple times to have inaccurate information removed from their credit report and have it not be done. I have attached a list of the discrepancies from each reporting agency and hope that this can be resolved and corrected quickly as it is negatively affecting my credit.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2024-04-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

ON XXXX XXXX XXXX  i sent a evolope to Experian XXXX and XXXX attached in that envolope 1.idenity theft report 2.Copy of lease agreement 3. Drivers license 4. Social security card 5.dispute letter using FCRA Section 605 ( b ) deals specifically with blocking information resulting from identity theft.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The company TransUnion is a fraud.. its not a credit report site.. out of the their hidden suppose XXXX XXXX monthly fee.. they took a total of {$87.00} from me from just signing up.. i tried to talk to one of the agents but they took me in circles along with their glitchy login website.. So I'm basically locked out their website where they can do whatever they want with the information they have on my credit card and who knows what they can do to my identity.. because my SSN is with them.. i never even got an email account verification from them either..
Consumer complaint received 2024-04-04
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mid-South Adjustment Co., Inc. (AR)

They threatened to ruin my credit and garnish my wages. I am not working due to my XXXX XXXX XXXX and they keep harrassing me and calling me about money I do not have. They are really stressing me out. I have an XXXX that is documented by doctors, I have XXXX, and XXXX XXXX. I am no longer able to work..The company is Mid-South Adjustment Co. , in XXXX XXXX Arkansas . They are making my XXXX XXXX rise. Please help... I have no contracts with this company.