davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-22
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. (TX)

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.

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 XXXX 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 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts do not belong to me.
Consumer complaint received 2024-04-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc. (TN)

I applied for the XXXX student loan income driven repayment plan and was approved. The loan simulator calculated my payment to be {$0.00} because my income is less than {$32000.00} which is correct. However, Aidvantage, approved a repayment plan at {$30.00} which is incorrect for my income bracket. 

I have emailed Aidvantage and wasnt given a response to explain why the federal guideline is not being followed. I made two phone calls today to ask why Aidvantage is not following the federal guideline listed on student aid.gov and received very rude assistance from both customer service representatives. I just wanted to know why my monthly payment was miscalculated and why they could not correct it. The customer service reps were both very hateful and did give helpful answers to my questions.
Consumer complaint received 2024-04-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MRS BPO, LLC (NC)

XXXX/2024- Tried to call me and tell me that I owed this debt XXXX/2024- sent me a letter about this debt which I have no idea what it is and I responded that I dispute this debt and have no known knowledge of this debt.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

On XX/XX/XXXX of XXXX, I mailed a letter to XXXX, Experian, and XXXX to update my personal information, removing old and unfamiliar addresses, employer information, and incorrect spellings of my name and to send me an update credit report once completed. Neither reporting agency has followed through with my request which is a violation of 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2024-04-22
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-04-22
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. (NJ)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-04-22
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: National Credit Adjusters, LLC (TX)

The statute of limitations on debt in Texas is XXXX years. This section of the law, introduced in XXXX, states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations for debt buyers. The date loan was open, my credit report is wrong is has XXXX XXXX the loan was open more than XXXX years, remove this debt, because of the statute of limitations.
Consumer complaint received 2024-04-22
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

So, my account was locked by the bank on XX/XX/XXXX. However, they keep moving the account closure date backward without a precise reason. At first, they said the closure date would be XX/XX/XXXX, but now it's almost XXXX, and I called them several times. They can't explain why they are still processing the account closure. Thus, I can't get my money back, and I don't have money to keep my daily life, even now I don't have money to pay my rent, and a few weeks ago, I didn't even have money to go to urgent care because I was sick. But the bank doesn't care, they can't do anything to help me. Even I need my money to survive.
Consumer complaint received 2024-04-22
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: National Credit Adjusters, LLC (MS)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/2024 National Credit Adjusters XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX  Subject : Dispute of Debt Collection Activity Dear Sir/Madam, I am writing to dispute the debt collection activity related to the alleged debt referenced XXXX currently being pursued by your agency. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specificall

y 15 USC 1692c ( c ), I am exercising my right to prohibit communication with third parties regarding this debt, except as allowed by law. According to 15 USC 1692c ( c ), debt collectors are prohibited from communicating with third parties, except for the purpose of acquiring location information about the consumer. I assert that any communication with third parties regarding my debt violates this provision of the FDCPA. Therefore, I request that all communication regarding this debt be directed solely to me at the address provided above. Additionally, I demand that you cease any further communication with third parties concerning this matter. Please be advised that failure to comply with the FDCPA may result in legal action being pursued against your agency. I expect a prompt response to this dispute letter confirming your compliance with my request.
Sincerely, XXXX XXXX
Consumer complaint received 2024-04-24
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SECURITY SERVICE FEDERAL CREDIT UNION (CA)

My security services federal credit union XXXX XXXX has been on my credit report since XXXX and can you please remove it. Ive tried disputing it. Im still waiting.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

In XXXX of XXXX my wife and I entered into a debt management plan with XXXX XXXX XXXX. XXXX of the accounts included in the plan was Capital One Credit Card Acct ending in XXXX. In XX/XX/XXXX we received a program payment acceptance letter from Capital One, dated XX/XX/XXXX, lowering our monthly payment to {$75.00} due the XXXX of every month. The letter stated, " You will know the terms of the program have been applied to your account when the XXXX of XXXX XXXX is reflected in the XXXX XXXX Calculation section of your monthly statement. '' Capital One is reporting that our XX/XX/XXXX payment as 30 days past due. I have disputed this information with Capital One on XXXX separate occasions and have disputed the error to all three credit reporting bureaus twice and Capital One continues to report the inaccurate information which is now impacting our ability to obtain a mortgage loan. 

I have attached the following : XXXX. The Payment Proposal XXXX letter from Capital One XXXX. Our XXXX Credit Card statement showing the agreed upon 9.9 % APR but an inaccurate minimum payment amount of {$100.00}. ( Payment due according to agreement was {$75.00} when 9.9 % APR was shown ) XXXX. Our XXXX Credit Card Statement showing our XX/XX/XXXX payment received on XX/XX/XXXX for {$75.00} Our XX/XX/XXXX payment was made 4 days after the XX/XX/XXXX due date ( not XXXX ) and in-full based on the agreement they entered into with us XX/XX/XXXX.
Consumer complaint received 2023-11-29
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. (FL)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$690.00} XXXX XXXX XXXX Balance Owed : {$890.00} XXXX XXXX XXXX XXXX Balance Owed : {$680.00} XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$1200.00} 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
Consumer complaint received 2024-02-25
Product: Credit reporting 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. (IN)

These inquiries are all fraudulent from XXXX credit report. Please remove. 

XXXX XXXX ( XXXX XXXX XXXX, XXXX, PA XXXX, ( XXXX ) XXXX ) Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, PA XXXX, ( XXXX ) XXXX ) Requested On : XX/XX/XXXX XXXX ( XXXX XXXX XXXX, XXXX, WI XXXX, ( XXXX ) XXXX ) Requested On : XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, DE XXXX, ( XXXX ) XXXX ) Requested On : XX/XX/XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, PA XXXX, ( XXXX ) XXXX ) Requested On : XX/XX/XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, MN XXXX, ( XXXX ) XXXX ) Requested On : XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, DE XXXX, ( XXXX ) XXXX ) Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX ( XXXX XXXX XXXX, XXXX, PA XXXX, ( XXXX ) XXXX ) Requested On : XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, PA XXXX, ( XXXX ) XXXX ) Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX ( XXXX XXXX XXXXXXXX, XXXX, VA XXXX, ( XXXX ) XXXX ) Requested On : XX/XX/XXXX
Consumer complaint received 2024-04-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (TX)

in XXXX My Chase Freedom Credit card was compromised and some unauthorized purchases were made. I contacted the company immediately disputing these transactions to no avail. I then filed a complaint with the XXXX and someone from Chase contacted me assuring me that i would not be liable for those charges. However, as of today XX/XX/XXXX the transactions are still showing on my credit card. How can Chase market a XXXX liability campaign and not honor it themselves? This hurts the little people with no voice.
Consumer complaint received 2024-04-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I understand that according to FCRA 605B, it's vital to remove any inaccurate accounts from my credit report. Could you please review the documents? I've noticed that many of the listed accounts seem to be incorrect, and this is concerning to me.
Consumer complaint received 2023-11-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Weltman, Weinberg & Reis Co., L.P.A. (OH)

I spoke to a representative from Weltman, Weinberg, and Reis today and they told me they were planning on filing a lawsuit against me and placing liens against my assets. I barely had time to review the documentation they sent to me. I had agreed to pay XXXX a month for XXXX months as a temporary hardship arrangement. The representative agreed to but they said they would still file the suit.
Consumer complaint received 2023-05-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC (CA)

I want to eliminate my escrow account. I willl pay property taxes and hazard insurance directly. 

This company messed up my monthly escrow payment last year and wants to me pay too much to correct it. I will pay the underage for last year and then want to py only principal and interest going forwards Company should be investigated for fraud.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I was in the process of checking my credit report and notcied an account in collections under my name that I had no knowledge of I believe I am a victim of identity theft because I did not authorize this account to be opened and did not even know it existed now it is in collections beacuse someone fraudulently opened this account under my name without me knowing. The account in question is XXXX for the amount of {$610.00} the date they opened the account is XX/XX/year>. I have also already obtained an FTC report for Identiy Theft This account is also in collections I found out with a company called XXXX XXXX XXXX
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-04-22
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. ()

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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX Balance : {$3400.00} XXXX  XXXX Balance : {$3400.00} XXXX XXXX Balance : {$3400.00}
Consumer complaint received 2024-04-22
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 was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

I entered into loan in XX/XX/XXXX and paid the loan off XX/XX/XXXX. They continue to report this loan and another loan I acquired in XX/XX/XXXX and paid off in XX/XX/XXXX as full balances. I disputed them to Experian but they continue to report them as unpaid even though they are paid in full.
Consumer complaint received 2016-08-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I 've been a victim of Transunion 's inquiry issue and they refuse to remove the inquiries after calling their customer service representative. Their customer service would not help and take care of the negative inquiries reporting to my credit report.
Consumer complaint received 2024-04-22
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. (PA)

Dear XXXX, XXXX, Equifax This letter is a follow-up to my previous correspondence dated XX/XX/2024 regarding inaccurate information on my credit report. In that communication, I disputed the following items : Late payment on account number XXXX on XX/XX/2024 there was a late payment posted on my account where i was never late Federal law, under the Fair Credit Reporting Act ( FCRA ), requires you to investigate disputes within 30 days of receiving them. As of today, XX/XX/2024, I have not received any response regarding my dispute. 

I request that you immediately investigate this matter and take the necessary steps to correct the inaccurate information on my credit report. Please provide me with a written update on the status of my dispute within XXXX business days of receiving this letter. 

For your reference, I have enclosed a copy of my previous correspondence and any supporting documentation I submitted with my initial dispute. 
Cfpb Account # XXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-13
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. (OH)

I am writing to formally request the removal of certain hard inquiries from my credit report. As a conscientious consumer, I strive to maintain a healthy credit profile, and I believe that the presence of these inquiries inaccurately represents my creditworthiness. 

Upon reviewing my credit report, I noticed the presence of the following hard inquiries : 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 It's essential to highlight that these inquiries were made without my explicit consent or knowledge. As such, their presence on my credit report does not accurately reflect my financial behavior or credit habits. I have not initiated any new credit applications or sought credit-related services during the periods corresponding to these inquiries.
Consumer complaint received 2021-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I checked my credit report and found that some of the data were incorrect. Transunion is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX. XXXX Date Opened : XX/XX/2010 Balance : {$130000.00}