davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (PA)

We mailed in a bank check from our HELOC ( XXXX XXXX ) for XXXX to pay down the balance. The check was received by the CC company ( Goldman sachs ) on XX/XX/XXXX. However we dont have access to the XXXX until the check clears. They will not give us access until XX/XX/XXXX. ( 9 days ). I called XXXX  today and was informed the check had already cleared. I called Goldman to let them know and they said there is nothing they can do and Im out of luck until the XXXX. Why dont I have access if the money has already left my bank account?
Consumer complaint received 2018-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Greetings, I have initiated a multiple disputes with Trans Union over the past few months to remove unauthorized Inquiries they have failed to fully validated that I initiated. It has been well over the 30 days given for Trans Union to respond with validated proof to delete these inquiries per the Fair Credit Reporting Act. I have provided all requested documents to Trans Union including my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. I have also reached out to the creditors but they have also fail to fully validate these unauthorized Inquiries belongs to me aswell. Below are the reporting Inquiries that should be Removed / Deleted from my Trans Union credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know. 

Reporting Inquiries : 1 ) XXXX - Date Filed : XX/XX/ 2 ) XXXX XXXX - Date Filed :XX/XX/XXXX 3 ) XXXX, XXXX - Date Filed :XX/XX/XXXX 4 ) XXXX XXXX - Date Filed : XX/XX/
Consumer complaint received 2024-04-04
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. (MO)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

XX/XX/2023 XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX Experian, XXXX XXXX XXXX, XXXX, XXXX Re : Demand to Comply Dear Sir/Madam, I am writing to dispute the inaccuracy of information on my credit report, as provided by your bureau. The discrepancies pertain to the following account : Creditor Name : XXXX XXXX Account Number : XXXX I have reviewed my credit report, and I have identified that the late payments associated with this account are inaccurate. 
I am requesting that these inaccuracies be removed immediately as the agencies are not complying with their policies promptly. 
By the FCRA, I am also requesting that you provide me with copies of any documentation or verification related to the disputed items. This includes details of how the information was collected, processed, and recorded. Please provide any information you have about this account. 
I kindly request that you send me a copy of my updated credit report once this dispute is resolved. 
Thank you for your prompt attention to this matter. I understand the importance of accurate credit reporting, and I look forward to your timely response. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-06-21
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)

Continuing to report false inaccurate information. and refuse to correct, inaccurate total amount owed between CRA 's and the original creditor. Never sent my 1099. I demand this account be updated to paid in full on time as agreed.
Consumer complaint received 2024-06-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Driveway Finance Corporation (WA)

I had bought a car in XX/XX/year> and XXXX months later the engine is damaged, I asked them to help me fix the car, and that it be increased in my loan they refused, I am unable to pay the car because I work with it.
Consumer complaint received 2023-10-16
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. (NJ)

20 USC 1232 g ( b ) ( FERPA ) Family educational rights and privacy act states you tcan not add any educational records on my report 15 USC 1681B states that you need written permission to add anything to my credit report, I never gave written permission for this account to be added to my credit report.

15 USC 1681 also states that you have to respect my right to privacy!

15 USC 1681n states that if you do not remove this account I am subject to up to {$1000.00} per violation and I have found close to {$20000.00} worth of violations on my account 12 CFR 1016.1 requires that financial institutions provide notice to its customers of privacy policies and practices. This also gives me the right to opt out of that disclosure. Every company must provide a privacy notice before adding anything to my report!! I also have the right to opt out of anything I want in my credit report and that is what Im doing.

12 CFR 1016.7 states you must provide a clear and conspicuous notice that accurately reflects your practices.

15 USC 6805 is the law that enforces the Equal opportunity credit act 15 USC 1681 C states that you can not add any adverse action to a credit report unless its a past conviction.
Consumer complaint received 2023-10-27
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Peer Advisors, LLC (MD)

I have been doing a short sale with this company and they will not communicate with me. I have called repeatedly and emailed repeatedly. I have called to escalate and still nothing. They have already lost one great offer due to their lack of communication
Consumer complaint received 2023-10-13
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. (VA)

This was my 11th complaint already and I only NEED these four items removed from my XXXX and TransUnion credit reports, and that's what I need, the REMOVAL of these items I listed in this complaint. I have listed these items in my previous complaint dated XX/XX/XXXX and XX/XX/XXXX but neither among the items were removed by the Credit Bureaus. This time I am earnestly hopeful that the XXXX and TransUnion Credit Bureaus will remove this items that I know were not mine nor was opened or authorized by me : XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-16
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rosegate Mortgage, LLC (NC)

On XXXX. XXXX, 2023 Rosegate Mortgage , LLC ran my credit via a third party company by the name of XXXX XXXX XXXX XXXX with out consent. I was in the process of getting prequalified for a mortgage and sent my tax documents and before you know it without any communication at all a hard pull was done on my husband and I credit this was alarming and caught us off guard as we experienced our identity being compromised. Aside from the fact that this disrupted other things we had going on we simply wished we would of been ASKED. The representative XXXX XXXX seemed frustrated with me not accepting the fact that she didnt follow standard protocol and even then I wanted to fix things but she actually contacted my realtor to let him know we will not be working together anymore. Just POOR accountability and business. I was contacted by another representative by the name of XXXX who took accountability on her behalf and ensured me they'd be working to remove said inquiry, but I haven't heard back and this is now affected my home loan and car refi.
Consumer complaint received 2023-10-16
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. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX 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 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX  Account Number: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 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Stride Funding, Inc. (CA)

A loan for a XXXX XXXX XXXX I participated in ( XXXX XXXX ) was sold to a 3rd party servicer. I recently received notification of a missed payment from XXXX XXXX. It also appears that XXXX XXXX credit reported this missed payment incorrectly. The program through which I incurred the loan with XXXX XXXX has a contract stating that the loan I took out is not credit bearing and is interest free. In XXXX of XXXX, a payment of {$6000.00} was applied to the principal balance, but XXXX  and XXXX XXXXg have been harassing me for payments ever since. I have also been receiving repeated phone calls after having notified the XXXX XXXX representatives that I currently am unemployed. Under the agreement from the program per the program contract, payments can be paused for up to XXXX months at a time if program participants are unemployed. This pause can be renewed without any limit. Furthermore, there is a recorded phone call I had with a XXXX XXXX  Representative in XX/XX/XXXX during which the representative stated that there was no deadline to submit confirming unemployment documentation, yet XXXX XXXX has continued calling me multiple times a day. XXXX XXXX XXXX XXXX reviews on XXXX XXXX reflect that this lender frequently operates fraudulently at the expense of unsuspecting consumers.
Consumer complaint received 2018-05-10
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)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOBXX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) concerning inaccuracies on my credit reports, which I have previously disputed with Equifax, XXXX, and XXXX. Despite my repeated attempts to resolve these issues, I have encountered little to no results and continued financial hardship due to identity theft and credit reporting inaccuracies. I am seeking an urgent resolution and compensation for the damages incurred as a result of these inaccuracies and identity theft. 

I have diligently followed the official dispute process with the credit reporting agencies, providing detailed documentation, and highlighting the items that are not accurate, fraudulent, or related to identity theft. Despite my efforts, my credit reports remain plagued with incorrect information, making it challenging to secure loans, housing, and employment. 

The inaccuracies and the identity theft-related entries have not only tarnished my creditworthiness but have also caused severe financial stress and emotional distress. I have attached copies of the relevant credit reports, highlighting the discrepancies and fraudulent entries, along with the previous dispute correspondence for your reference. 

I respectfully request the following actions be taken to rectify this situation : A thorough investigation into the inaccuracies on my credit reports and the identity theft issues that have not been appropriately addressed. 
Urgent correction and removal of all inaccurate, fraudulent, or identity theft-related items from my credit reports. 
Notification to Equifax, XXXX, and XXXX to promptly update my credit reports with the corrected and accurate information. 
Compensation for the damages I have suffered due to these inaccuracies and identity theft, including financial losses, emotional distress, and any associated legal fees. 
I am fully aware of the importance of accurate and fair credit reporting, and I believe that the CFPB 's intervention is crucial to ensuring that my credit reports reflect a true and accurate representation of my credit history. 

I kindly request that this matter be addressed with utmost urgency, considering the significant impact it has on my financial well-being. I would appreciate your prompt attention and resolution. Please keep me informed of the progress and outcome of this investigation. 

I am willing to cooperate fully, providing any additional information or documentation necessary to facilitate this dispute and expedite the resolution process. 

Thank you for your prompt attention to this critical issue, and I trust in the CFPB 's commitment to protecting consumers ' rights and ensuring fair and accurate credit reporting.
Consumer complaint received 2018-05-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IL)

On XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I opened an account with Navient/Department Of Education to fund my college education. The account is still open and currently in good standing. However, I was charged with 4 missed payments on each of my accounts with Navient/Department Of Education but I never received a notification of the bill. At that time my family and I were foreclosed on our home and we were forced to relocate which could have prevented me from receiving any notice from Navient. I would like to address this as soon as possible and get the negative remarks removed from my credit report.
Consumer complaint received 2023-10-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Onity Group Inc. (IL)

XX/XX/23 PHH made double payment for 1st instatement XXXX XXXX property tax that was paid by title company on XX/XX/23. Over a month I tried to get my money back on my escrow account, but PHH said that XXXX XXXX cashed their check, and they still working on getting the money back. PHH is unable to explain why and how it happened, and also when I will get my money back. They said that it completely depends on XXXX XXXX now. Each time I asked to talk to their supervisor, they say supervisor will call me back in 24-48 business hours, but he never calls me back. I spend hours and hours on phone calls without any results. Please Help.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2021-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

XX/XX/XXXX I spoke with a capital one cc supervisor after the initial csr couldnt assist. The company took the full amount of bill which I submitted on the XXXX. Then told me it would be 8 days before the funds were accessible to me. 

I told her its not right that every other payment Ive made usually the minimum or a little more was available within 24 to 48 hours. I told her that was unacceptable and I wanted to speak with her supervisor. 

She said she was the last front and there was nothing she could do. I asked when my Acct was opened. She responded XXXX. I told her to close it and hung up after a couple of not so nice words.
Consumer complaint received 2023-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc. (MO)

XXXX bank / XXXX has an account on my credit report that I have no knowledge of account # XXXX that was opened XX/XX/XXXX with an update status of XX/XX/XXXX, there are missed payments thats dated XX/XX/XXXX and XX/XX/XXXX that no information was provided to me.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

There has been a number of fruadulant inquiries on my personal credit report. I need these removed immediately. 
Here are the Inquiry details. 

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 2023-07-09
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: Advanced Collection Bureau, Inc. (FL)

The listed company has used my credit report in violation of the F.C.R.A by reporting inaccurate information that has impacted my credit profile negatively. Ive disputed this account which resulted in the company removing the exact accounts from my credit profile reported by the other credit bureaus yet fails and refuses to remove the remaining reported accounts in direct relation to the accounts disputed and removed between XX/XX/XXXX- XX/XX/XXXX. I request as resolution that any accounts directly related to this listed account information be immediately deleted from my credit report. 

-Account info- Account name XXXX XXXX XXXX XXXX  so known as XXXX  XXXX  XXXX Account number XXXX Account type Collection Responsibility O  Individual Date opened XX/XX/XXXX Status Collection account. {$600.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$600.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment XXXX  halance A