davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-21
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: Experian Information Solutions Inc. (GA)

I am writing to formally file a complaint against XXXX, XXXX, & EXPERIAN, regarding a violation of my rights and the inaccurate information being reported on my consumer file. This inaccurate reporting has not only caused financial distress but has also had a severe impact on my mental wellbeing, resulting in XXXX for both myself and my family. 
I BELIVE XXXX, XXXX, AND EXPERIAN, has violated the Fair Credit Reporting Act ( FCRA ), specifically Section 611, which mandates that consumer reporting agencies maintain accurate and up-to-date information on consumer files. In reviewing my credit report, I have identified the following inaccuracies : These inaccuracies have had a significant and detrimental impact on my financial profile and my ability to secure credit, loan approvals, and reasonable interest rates. Despite repeated attempts to rectify these errors, I have not received a satisfactory resolution from XXXX, XXXX, AND EXPERIAN I would like to bring to your attention the profound impact that this situation has had on my mental health and the overall well-being of my household. The constant XXXX XXXX and uncertainty caused by these inaccuracies have plunged my family into XXXX, affecting our quality of life and ability to function optimally. 

I kindly request the Consumer Financial Protection Bureau to immediately investigate this matter and take appropriate action against THEM. I believe that the inaccurate reporting and their failure to rectify the situation has not only violated my rights under the FCRA but has also caused significant harm to my household. 

Please find enclosed copies of supporting documents, and evidence of the impact on me and my family 's well being. I trust that the CFPB will act promptly and diligently to rectify this situation Thank you for your attention to this matter. I look forward to a swift resolution and justice being served.
Consumer complaint received 2023-11-08
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)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : 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 2024-06-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (PA)

In XX/XX/year>, I made 3 payments to MOHELA. On XX/XX/year> I made a payment of {$260.00}. This payment is part of the auto pay that is set up. To my knowledge, this payment was applied correctly to my account balance. On XX/XX/year>, I made two payments ; the first payment was for {$1700.00} and was to be applied to Student Loan XXXX. This payment was supposed to pay off the loan. I am currently still paying for this loan, as attempting to disable auto pay for this loan has been unsuccessful using their platform. MOHELA owes me as of today, XX/XX/year>, {$84.00} in overpayments due to their failure to pause autopay for this loan ( each month this continues, {$21.00} is withdrawn from my account, which I am still unable to pause ). The second payment on XX/XX/year> was for {$1600.00}. This payment was to be applied to Student Loan XXXX. I contacted MOHELA on XX/XX/year> to attempt to resolve this with support. I was told the payment would be backdated within 30 business days. Over 30 business days later, on XX/XX/year>, I called support again to try and resolve this issue. I was told the payments are still pending in the old system, and they would be applied to my account soon ( by summer ). Neither of the two payments I made on XX/XX/year> have been applied as of today, XX/XX/year>, the date of submission of this complaint.
Consumer complaint received 2023-09-21
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 have attached a dispute result letter sent from Equifax stating that inquiries were deleted from my credit report but this is false. These inquiries are still on my Equifax credit profile and nothing was done. this document I uploaded is a lie.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I called Equifax 3 times on XX/XX/XXXX to address my credit report that shows no credit line history at all! XXXX and XXXX properly reports all of my credit cards on their credit history. My resolving credit line information was correctly reported on Equifax credit reports last year in XXXX, but now it is blank. Equifax reps all claim that since my credit line history is now blank, they can not dispute anything and to reach out to my banks to send the information. My banks already confirmed that all XXXX credit reporting agencies are receiving the information. It is improbable that all my banks stopped sending the information only to Equifax when my banks ' reps all confirm that they do on a monthly basis ( e.g., after billing cycle ends or every XXXX week of the month ). 

At least XXXX of my credit lines was incorrectly reported on a relative 's account who disputed it back in XX/XX/XXXX and had it correctly removed from their account, but that credit line was never properly placed back into my credit history file. In fact, now all of my revolving credit line history is gone! Equifax reps and supervisors are refusing to look into prior disputes on other accounts that are related to my credit lines and how all of my resolving credit lines are missing. Even after asking the relative to call and get the dispute number from last year to help Equifax track down XXXX of my missing credit lines, Equifax said that they can not open up the dispute to investigate! They claim that all of my credit card issuing banks ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, etc. ) have never sent them my information when that is false because they were all there on a prior Equifax report last year! 

Equifax refuses to own up to the problem that's caused on their end and keeps telling me to contact my banks and stonewalling me. Their dispute resolution process is unhelpful and is jeopardizing my mortgage loan. I need to close on my first home in less than XXXX  days and my loan XXXX is saying that I need a credit score from all XXXX credit reporting agencies in order to qualify for the loan. Equifax failing to address this issue on their end that may prevent me from closing on my house in time and lose my home.
Consumer complaint received 2023-12-31
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. (IL)

Hello I'm reaching out today because it has come to my attention 2 educational student loan accounts are currently reporting on my consumer report that myself or my parents did not authorize or review before funds were released on my behalf. This is a direct violation of 20 USC 1232g ( b ) under the Family educational rights and privacy act because my parents were not allowed to review the private education records before deciding if they wanted the information to be released to the public. I'm requesting both these accounts be deleted immediately as this is fraud under 12 CFR 1022.3 since XXXX equifax and XXXX do not have authority to report these vital records.
Consumer complaint received 2015-06-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (PA)

As most people right now, my husband and I are having financial difficulties and are past due on our mortgage. We have had nothing but problems with our mortgage servicer, XXXX XXXX. They have returned payments, just so that they can show us more delinquent, instead of applying it towards the amount owed. Now, they keep our payments but put them in a suspense status, again, just to show us more delinquent then we really are. We have called them and were assured that the payment would be applied to the account. The payment was made on XXXX/XXXX/15 towards the XXXX bill. It is now XXXX, and the payment STILL has not been applied towards our account. We STILL show delinquent for XXXX. Our mortgage company is purposefully performing these actions, complete UDAPP violations, just to show us more delinquent, credit report harsher than we deserve ( i.e. XXXX instead of XXXX or XXXX ), and to force us into foreclosure.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I had been officially a victim of Identity Theft fraud in a California  state. Please see attached documentations provided to me by the FTC, Local Police, FBI, US Department of Justice. I hope you will FINALLY respect and consider all these documentations from the law enforcement AGENCIES AT THIS POINT IN TIME.
Consumer complaint received 2022-11-08
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. (CA)

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 - {$6200.00} XXXX XXXXXXXX {$7500.00} XXXX XXXX XXXX XXXXXXXX {$390000.00} XXXX XXXX XXXX XXXX {$390000.00} XXXX XXXX {$1500.00} violated my rights. 

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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am a victim of identity theft and I have sent all the correct information per the FCRA to remove the fraud accounts from my credit report. The disputes are not being done correctly and the FTC report is not being attached to the dispute. 

These are the accounts : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-24
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P. (VA)

The following companies are in VIOLATION of FCRA 15 USC 6802 Obligations With Respect To Disclosures OF Personal Information. Section A States A finicial Institution may not, directly or through any affiliate, disclose to a non-affiliated third party any nonpublic personal information unless such financial institution provides or has provided to the XXXX a notice that compiles with section 6803 of this title All credit bureaus are in VIOLATION of Sections ( B ), ( 1 ) A, B, & C & FCRA 15 USC 1681 Permissible Purpose was not given. I've asked for removal of the following accounts from consumer profile Immediately XXXX XXXX XXXX LVNV FUNDING XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-04
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: EQUIFAX, INC. (GA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating XXXX using a XXXX party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-07-21
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (KS)

i contacted the company in XX/XX/year> about downgrading the account to a lower annual fee. they refused to do so. I would like the card to be downgraded to the {$99.00} annual fee card. I am not able to afford the high annual fee right now. I have also asked for all authorized users to be removed via letter which has not been done.
Consumer complaint received 2024-07-21
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: BARCLAYS BANK DELAWARE (NY)

I have a charge on my credit card statement. I don't recall what the charge is for. There is no contact info about the entity making the charge. That should be required by law. 

I have asked them about it and have not yet received a reply.
Consumer complaint received 2024-08-26
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. (CA)

XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX **Subject : Urgent Request for Removal of Fraudulent Account XXXX XXXX XXXX** **To Whom It May Concern, ** I am writing to follow up on a recent dispute regarding a fraudulent account that was reported on my credit file. The account in question is : - **Account Name : ** XXXX XXXXXXXX XXXX  - **Account Number : ** XXXX - **Date Opened : ** XX/XX/XXXX - **Balance : ** {$630.00} - **Status : ** Open, {$54.00} past due as of XX/XX/XXXX XXXX XXXX  has completed their investigation and determined that this account was opened fraudulently. They have submitted a request to the credit reporting agencies to remove the tradeline from my credit report. According to XXXX XXXX, it may take up to 30 days for this update to be reflected. 

To support this request, I am providing the following documentation : 1. **FTC Identity Theft Affidavit** This affidavit confirms that I am a victim of identity theft.

2. **Email from XXXX XXXX XXXX Fraud Team** This email acknowledges that the account was opened fraudulently and confirms that they will remove the tradeline from my credit report. 

I kindly request that you expedite the removal of this fraudulent account from my credit report. Please confirm in writing that this tradeline has been deleted. 

Thank you for your prompt attention to this matter XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX **Experian Consumer Services** XXXX XXXX XXXX XXXX, TX XXXX XXXXSubject : Urgent Request for Removal of Fraudulent Account XXXX XXXX XXXX** **To Whom It May Concern, ** I am writing to follow up on a recent dispute regarding a fraudulent account that was reported on my credit file. The account in question is : - **Account Name : ** XXXX XXXXXXXX XXXX  - **Account Number : ** XXXX - **Date Opened : ** XX/XX/XXXX - **Balance : ** {$630.00} - **Status : ** Open, {$54.00} past due as of XX/XX/XXXX XXXX XXXX has completed their investigation and determined that this account was opened fraudulently. They have submitted a request to the credit reporting agencies to remove the tradeline from my credit report. According to XXXX XXXX, it may take up to 30 days for this update to be reflected.

To support this request, I am providing the following documentation : 1. **FTC Identity Theft Affidavit** This affidavit confirms that I am a victim of identity theft.

2. **Email from XXXX XXXX XXXX Fraud Team** This email acknowledges that the account was opened fraudulently and confirms that they will remove the tradeline from my credit report. 

I kindly request that you expedite the removal of this fraudulent account from my credit report. Please confirm in writing that this tradeline has been deleted. 

Thank you for your prompt attention to this matter. 

**Sincerely, **
Consumer complaint received 2019-01-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

XXXX XXXX is Charging me {$620.00} a month for Escrow. 
My annual property taxes is {$3400.00} My annual homeowners insurance is {$820.00} That should make my escrow about {$350.00} a month. 
they are overcharging me {$260.00} a month and I can not get them to reduce it. 
I do have a year end statement and I also have a report from my insurance company. I have called before and ask your team what to do and I have can not get Huntington to stop taking so much. 
Can you help?
Consumer complaint received 2024-07-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GB Collects, LLC (TX)

I am writing to formally request the removal of an inaccurately reported charged-off account with XXXX XXXX XXXX GB Collects from my credit report. The account in question is being inaccurately reported in violation of the Internal Revenue Code and Fair Debt Collection Practices Act. According to the Internal Revenue Code, charged-off accounts are considered certificates of indebtedness and should be classified as income. As income can not be reported on a consumer report as a debt, the current reporting of this account constitutes inaccurate and misleading information on my credit report. The specific sections of law that support my claim include : Internal Revenue Code Section 61 ( a ) : This section defines gross income, including income from discharge of indebtedness. A charged-off debt should be reported as income, not as an outstanding debt. Fair Credit Reporting Act ( FCRA ) Section 1681s-2 ( a ) ( 1 ) ( B ) : This section mandates that furnishers of information, such as XXXX XXXX XXXX GB Collects, must not report information that they know or have reasonable cause to believe is inaccurate. Fair Debt Collection Practices Act ( FDCPA ) Section 1692e : This section prohibits false, deceptive, or misleading representations in connection with the collection of any debt. Additionally, I have not received the Form 1099-C, which is required for me to properly remit my taxes for the discharge of this debt. This oversight further emphasizes the inaccuracies in the reporting of this account. Due to these inaccuracies, I request that this charged-off account be promptly removed from my credit report. This adjustment will ensure the accuracy of my credit report and compliance with the applicable laws.
Consumer complaint received 2023-12-30
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. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2023-08-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (AL)

The company added XXXX extra dollars to my loan the loan pay out was XXXX the loan amount is XXXX according to my credit report they already over charge me the loan amount for a XXXX  XXXX XXXX XXXX was XXXX some odd dollars the actual cash value for this car was XXXX dollars  I have a 63 month contract and the total amount in all was XXXX dollars  with XXXX miles its a rip off and I regret ever getting a Loan with them. Then the airbag was malfunctioning causing the airbag to come out and XXXX  me my XXXX  causing me to wreck my car which was a total loss Im screwed and I need your help. They also increased my monthly pay to XXXX and some odd dollars
Consumer complaint received 2023-10-05
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)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00}.