davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-11
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. (GA)

I recently received a copy of my Experian XXXX report, and I noticed some late payments posted on my consumer report. 
XXXX  XXXX XXXX Account # XXXX for the months of XXXX XXXX XXXX # XXXX for the months of XXXX XXXX XXXX # XXXX for the months of XXXX XXXX XXXX XXXXXXXX XXXX # XXXX for the months of XXXX your consumer reporting agency is illegally reporting late payments on my consumer report which is a clear violation of the Law. 
15 U.S. Code 1681a ( 2 ) ( a ) ( i ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report your agency is also in violation of 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.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave you permission to are written instructions to furnish. Late payments are anything on my consumer report.
Consumer complaint received 2023-10-11
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)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-11
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. (FL)

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

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 2018-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I sent a letter to Bank of America which according to USPS Tracking # XXXX XXXX XXXX XXXX XXXX they received on XX/XX/2018. In the letter I asked them to validate & verify a debt they are reporting on 2 of my credit reports ( XXXX  & XXXX ) according to the FCRA. However I never received a response from them.
Consumer complaint received 2024-05-31
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: RoundPoint Mortgage Servicing LLC (TX)

On XX/XX/year>, I emailed Roundpoint explaining that XXXX ) they kept sending sensitive, important mortgage closure documents to the mailing address of the home I just sold instead of my new mailing address ( even though I updated my mailing address with them ), and XXXX ) there were discrepancies between the mortgage payoff and escrow details that they shared with me vs. what they shared with the closing title company ( XXXX ). I immediately received an acknowledgement of receipt email from Roundpoint, but have yet to hear back from them. 

Additionally, the title company, XXXX, has been trying to get the escrow/tax payment information from Roundpoint for over a month now, but Roundpoint is unresponsive. Whenever they did respond, their feedback was inaccurate and insufficient in providing the requested information.

Lastly, in a previous communication with Roundpoint, I expressed why/how they erroneously reported a late payment on my credit report. If they would simply review the recorded phone calls, then they will see how their support team misled me ( and even told me to not make a payment ) as I was a starting a repayment plan due to being impacted by a layoff at my old job + I was anticipating selling my home.

It has been a complete nightmare working with Roundpoint as they do not demonstrate that they are able to correctly, responsibly and thoroughly manage their business.
Consumer complaint received 2023-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Since the initial claims were submitted, I have not been given XXXX solid reason as to why the claims were denied. The agents on the phone do not know anything and can not explain anything or guide along the process. I have also tried to send multiple rebuttals for each claim and they still have not been able to refund the fraudulent transactions on my account. It has been several months now and every time I speak with them over the phone, they have no idea what is going on. I have given sufficient evidence and explanation to support my claims and they have not requested any further documentation from me to support my claims. I have provided multiple documents including police reports, letter to FTC, documents showing proof of fraudulent bitcoin transactions, proof of identity, and many more.
Consumer complaint received 2023-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hi back when covid 2020.everyone was getting unemployment .Its probably my fault I was suppose to show proof ofu identity and I did not have my id .so I finally got my birth certificate and went and got id by that time they froze my account and I've been trying to get back in ever since and just keep getting the run around .boa says XXXX  froze my account for me to contact them it's impossible to get some one to help you then I find out that only the bank can freeze or close an account. I haven't had any luck getting my funds that were still in there almost XXXX $ .I would like if someone could help me.ive been trying to get my funds for almost 3 years with no help from bank of America .. my account is not fraudulent I have my birth certificate & California id now and would like to know if there is anything I can do to get my funds back Thank you XXXX XXXX XXXX 
XXXX is XXXX XXXX
Consumer complaint received 2023-10-11
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (WI)

Credit Report Agencies are saying that this account was open back in XXXX of XXXX in the amnt of {$520.00}, however, I never opened this acct with this company back in XXXX. This amnt needs true verification or needs to be removed from my credit report. I submitted an online dispute with the Credit Agencies online and stating that this amnt has been verified and true.
Consumer complaint received 2024-01-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (CA)

I have submitted my Employment Certification for all of my XXXX XXXX  periods and my eligible payments towards XXXX has not been applied. I should have over XXXX payments to begin my loan discharge but MOHELAXXXX XXXX XXXX has failed to count these correctly and applied them to my qualifying/eligible payments for the dates of XXXX. Ive been told I just have to wait but XXXX and MOHELA has had this paperwork for over XXXX  years but they are not applying it correctly. They've approved once but failed to enter my employment end period of XX/XX/XXXXXXXX  correctly, for some reason, their staff entered an employment start and end date or The XXXX XXXX of XXXX which is incorrect. They want me to submit additional paperwork and all the information from the HR Director, XXXX XXXX is there in the letter that I uploaded to their site on XX/XX/XXXX, they keep failing to review the letter fully and want me to resumbit the same information in a different format. Its ridiculous!
Consumer complaint received 2024-06-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (FL)

On XX/XX/year>, I submitted my updated income recertification paperwork and the application on studentloans.gov. 

A few weeks later, I reached out to Nelnet and spoke to a rep who confirmed my information was received and my new payment should be XXXX. My account should reflect that change a few days later and everything would continue as normal. 

For two months after, my status was changed to administrative forbearance even though I was already on the SAVE plan and simply recertifying my income. 

On XX/XX/year>, I've reached out to nelnet to inquire about why my loan status has changed to administrative forbearance after I submitted income recertification paperwork. The rep informed me that my application was mistakenly resubmitted as an APPLICATION to SAVE, which was incorrect procedure because I was already on the SAVE plan. The rep said she would submit paperwork to correct this mistake and that my interest accrued would be refunded. 

On XX/XX/year>, I followed up and the rep informed me that although my account was properly changed back to active status for the SAVE plan, the interest would NOT be waived. She said that my request was denied and resubmitted twice, only to be denied again. I filed a formal complaint with the rep at this time. 

In short, I am filing this complaint because nelnet has mistakenly put my application from SAVE to a reapplication to SAVE for a simple income recertification. This has resulted in 2+ months ' worth of interest accural, which Nelnet is refusing to waive or refund.
Consumer complaint received 2023-04-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

On XX/XX/XXXX I received an email stating I owed {$110.00} for a cleaning of an apartment as part of my moveout. This amount was paid in full. I have an email stating that I have a XXXX balance dated XX/XX/XXXX. I recently applied for a credit card and this is showing up as an account in collections.
Consumer complaint received 2023-10-11
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. (NJ)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-01
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. (CA)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.
Consumer complaint received 2024-05-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (HI)

MOHELA is not acknowledging and correcting payment count from my XX/XX/XXXX XXXX XXXX XXXX as one loan for the purposes of the XXXX XXXX. 

According to MOHELA 's website my qualifying payment count is INCORRECT. 

The overall Payment count is incorrect as they have not certified my Employment, from a period of XXXX XXXX ( XXXX XXXX hours a week ) of employment from a qualifying employer during a qualifying time period, fro XX/XX/XXXX to XX/XX/XXXX, which would put me well over the qualifying XXXX payments for XXXX XXXX XXXX XXXX. 

I have resubmitted all the ( corrected ) forms to be processed due to an original error by the employer to submitting incorrect hours. However it has not been acknowledged or corrected. 
I have made multiple attempts in the last 3 months with MOHELA to acknowledge this significant oversight and for payment counts to be corrected. I have even applied for XXXX reconsideration due to the incorrect count. 
I have submitted all the forms to be processed and corrected and it has not been corrected. That is a total of 65 months of payments that needs to be added to the overall payment count for XXXX.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 


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: 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: Fidelity National Information Services, Inc. (FNIS) (OR)

ChexSystems, a private for profit entity, has been providing my personal information and data to other for profit entities without my permission or informed consent.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

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 Balance : {$0.00} ; XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$170.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$430.00} ; US DEPARTMENT OF EDU ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$4700.00} ; US DEPARTMENT OF EDU ( Original Creditor : XXXX XXXX ) XXXX Balance : {$9800.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-09-01
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-10-11
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. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

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 Balance : {$0.00} ; XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$170.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$430.00} ; US DEPARTMENT OF EDU ( Original Creditor : XXXX XXXX ) XXXX Balance : {$4700.00} ; US DEPARTMENT OF EDU ( Original Creditor : XXXX XXXX ) XXXX Balance : {$9800.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-04-27
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. (AR)

I appreciate your time to correct some of the misleading information previously reported on my credit file. Right now, I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the remaining accounts need proper action to assure maximum possible accuracy on my credit file. For that reason, I am asking for another investigation of the following accounts below : XXXX XXXX Balance : {$23000.00} ; XXXX XXXX Balance : {$23000.00}.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I used to have a Bank of America account a few years back. There was fraud on my account and after reporting it, they decided to close my account. The terms ended with no payments needed from either side. I tried to open a XXXX Checking account after having a XXXX Credit Card and they sent me the XXXX XXXX It had false information and stated I owe money. I called Bank of America and asked if I can speak with someone over the phone to fix this. They refused to send me paperwork from their end so I do not have proof to clear the XXXX XXXX
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have several inquiries that was placed on my credit report from transunion, XXXX, & XXXX I have contacted all 3 agencies to let them know that I did not apply for credit at any of these places. I have been ignored by one of them and the test explained that they did verify which Isa lie because I never authorized nor signed any statements giving permission to pull my credit report