davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-02
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: EQUIFAX, INC. (TX)

In accordance with the fair credit reporting act. The list Of accounts below has violated my federany Protected Consumer rights to privacy and Confidentiality under 15 USC 1681 Account name : XXXX XXXX XXXX Account number : XXXXXXXX XXXX Date opened : XXXX XXXX Account mame : difice of the attorney General Account number : XXXXXXXX XXXX Date opened : XX/XX/XXXX Account name : XXXX XXXX XXXX Account number : XXXXXXXX XXXX Date opened : XXXX XXXX Account name : XXXX XXXX XXXX  Account number : XX/XX/XXXX Has Violated my rights. 15 U.S. c 1681 Section 602 A States i have the right to privacy. 15 U.S.G 1681 section 604A Section 2 : it also states a Consumer reparting agency can not furnish a account without my written instructions. 15 vis. 1681 c ( a X5 ) section States no consumer reporting agency may take any consumer sepost containing any of the following items of information any other than records of Convictions of crimes Which antedates the report by more than seven vears. 15 US. C 16815 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.

privacy and Confidentiality under 15 USC 1681.
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I contacted the bureau over 8 times to correct multiple address that was found incorrect on my credit profile. The Representative did correct some addressees. The representative stated to me that the other 2 address can not be deleted. I called the creditors that I never did business before and stated them I do not know these companies.The companies are XXXX XXXX XXXX. The other business is XXXX XXXX  .Stated in 15 U.S code 1681 B, c-1, an c-2 these false info most be removed.Also the incorrect addresses are XXXX XXXX XXXX XXXX XXXX Fl XXXX and XXXX XXXX XXXX XXXX  XXXX XXXX XXXX fl XXXX. This is my XXXX time contacting these credit bureus to fix these incorrect information.The next step will have to send a cease and desist letter.I did every stage to verify that these address were not mines and also the accounts.I am starting to getting emotional damage.I have also uploaded my identification with my correct address to this complaint/dispute
Consumer complaint received 2023-04-18
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. (GA)

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 2022-10-18
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Misleading False Reporting these accounts are negligently and inaccurately reporting failing to comply with 15 USC 1681.THESE ARE THE COLLECTIONS ACCOUNTS : XXXX XXXX, REC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-07-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (SC)

Per XXXX contract and attached documents, as instructed we returned our phone equipment in the trackable mailer provided by the company. Attached proof tracking confirms they received it. they did not credit our account but rather shipped our account to a collection agency called I.c Systems who states they received the deb to collect from XXXX and they can not discuss anything with us other than payment in full. 
Several attempts to discuss with the original company but they refuse to discuss receipt of their equpment as shown in the attached tracking document. This false debt is now listed on my credit report. Furhtermore despite the young age of the report, immediately after I filed a complaint with Transunion, I.c Systems reported the debt as " charged off '' and will now not engage. The company is I.c. Systems. I.c. Systems is the collection agency for XXXX. I.c. Systems is reporting {$1000.00}. Each piece of equipment returned was promised as a XXXX.credit toward our end bill = XXXX total credit. If credited I would owe XXXX not the credit company amount of XXXX. The debt reported is incorrect. My credit score is being dmaged from this inaccurate collection activity / report AND I dont even have the equipment I returned!
Consumer complaint received 2023-07-26
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: Experian Information Solutions Inc. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX 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 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I sent a personal information correction letter certified mail ( XXXX ) which was received and signed for, as well as submit disputes directly on the companies website ( XXXX, TransUnion XXXX XXXX ) none of which have been updated. 

Also request for debt verification has been ignored
Consumer complaint received 2022-10-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NY)

I submitted employer verification to XXXX on XX/XX/22 under the temporary PSLF program. The verification I sent only gives me credit for months under this special limited program which expires XX/XX/22. 

XXXX transferred my loan and this verification to Mohela on about the same date. 

Mohela ( nor XXXX ) has credited my employer verification. I sent a support email on XX/XX/22 to Mohela about this verification and have received no response. 

I have called and their auto line hung up on me after an hour hold time. 

I am concerned that if there is any type of error on the form or any of the months do not apply then I will lose the opportunity to try to chisel together other proof that this time should qualify. The time I submitted would put me over 120 payments and therefore qualify for loan forgiveness. However, if any of this time does not qualify I will not be eligible for forgiveness. Therefore, this is an urgent matter of great concern to me. Their customer support is non-responsive.
Consumer complaint received 2024-06-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: TOWNE MORTGAGE COMPANY (PA)

My mortgage was originally {$1900.00}, however it increased around last XXXX to about {$2300.00} and now it is {$2100.00}. I was told that the increase was to satisfy my property taxes that I have a tax abatement for. I have been paying an additional XXXX XXXX in my mortgage without explanation for over a year. I contacted the mortgage company via email and their response was about the taxes however I can see that my property taxes are {$900.00} there is no reason why this amount is continuously coming out, {$900.00} would be satisfied in a 3 months not the entire year. I have called and sent emails to get further clarification and no one wants to provide me with an answer as to why I have had to pay additional fees. When I call, they have no answers and when I email they do not respond. 

They have also banned me from paying online. I have been with this company since my mortgage was sold in 2021, it has been extremely problematic and inconvenient. They don't respond to emails and when you are on a call you get conflicting information depending on which rep you are speaking to. I pay on time all the time. They were claiming to draft payments on specific dates but they wouldn't and it would XXXX up my banking and how I have my bills scheduled. I sent them a cashiers check as they demanded and then they told me they applied my payment to the wrong loan but have resolved the issue. I get a notification from all of my credit apps saying that my credit had dropped XXXX points. After they applied my payment to the wrong loan they decided to put a late payment on my credit report. No resolution at this time.
Consumer complaint received 2023-07-26
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. (KY)

Re : XXXX XXXX account charged off. 
I disputed this account with Experian in XX/XX/2023 asking them to remove this account if they could not verify the information as it's illegally reporting incorrectly to my consumer file. The Dispute was back within 2 weeks as verified. The XXXX XXXX Account is currently reporting a balance greater than XXXX Account is reporting a passed due balance of {$740.00}. No closed/ charged off account should report a balance greater than {$0.00}. Experian refused to remove the inaccurate information from my report.
Consumer complaint received 2023-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (AZ)

My crypto withdrawals have been blocked on Robinhood with no warning. I supplied the verification ( which Ive already done twice within the past XXXX weeks ) and now its saying XXXX business days for review and approval. 

I received no email or notification from Robinhood stating that my account is blocked or any service is restricted. I was able to seamlessly deposit and buy crypto, but suddenly my withdrawals are stopped. This is extremely unethical - first my entire account was blocked conveniently while a deposit into the account was pending, now XXXX cant withdraw my crypto. It seems like this company is taking every opportunity to scam me out of my funds. 

XXXX XXXX on the phone informed me theres nothing she can do to speed up or expedite the process after a XXXX minute hold. 

Robinhood needs to unlock my withdrawals immediately and assure me this wont happen again.
Consumer complaint received 2018-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Account # XXXX XXXX XXXXCredit Card Account>>In regards to the reporting of of unverified and inaccurate information reporting on my Consumer Credit Report furnished by Transunion LLC>>Please BE advised that this is my second request regarding the the aforementioned account. The unverified account information remains on my consumer credit report furnished by your company in violation of Federal Law. The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ) requires you to follow reasonable procedures to assure the accuracy of the information in my credit reports ; 15 U.S.C. 1681i ( a ) and 1681s2 ( b ) require you to properly investigate and resolve disputed information ; and 15 U.S.C. 1681g require you to clearly and accurately disclose the nature and substance of all information in my credit files. Additionally, 15 U.S.C. 1681n, allow for punitive damages for the willful noncompliance with the FCRA.>> Section 607 ( b ) of the FCRA, 15 U.S.C. 1681e ( b ), provides that [ w ] henever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.>> In the results of your first investigation submitted via your online Dispute Center, you stated the following>> The item you disputed has been updated, which may include an update to the disputed information.>> Who verified this account information as accurate? Who verified that the information reported '' is accurate? >> You have NOT provided me a copy of ANY original documentation required under FCRA 609 ( a ) ( 1 ) ( A ), 611 ( a ) ( 1 ) ( A ) ; and 611 ( 5 ) ( A ), where you are required to promptly DELETE all information which can not be verified.>> The law is very clear as to the civil liability and the remedy available to me for negligent noncompliance, as the FCRA creates a private right of action against a consumer reporting agency for the negligent or willful violation of any duty imposed under the Act. See 15 U.S.C. 1681n, o.>> If you fail to comply with FCRA procedures for dealing with this disputed Public Record and  instead, inaccurately certify the information reported on their accounts as correct, I will not hesitate in pursuing litigation in this matter. >> If your offices can not provide the proper verifiable documentation, I demand the aforementioned Public Record be deleted immediately.>> Transunion has continued to report the following unverified and inaccurate information : 1 ) 30-day late payments ( XXXX and XX/XX/XXXX, XX/XX/XXXX ) >> 2 ) 60-day late payment ( XX/XX/XXXX ) >>
Consumer complaint received 2023-07-26
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: Experian Information Solutions Inc. (SC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-10-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-12-23
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: Experian Information Solutions Inc. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-26
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: Experian Information Solutions Inc. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-20
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: Experian Information Solutions Inc. (GA)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC (FL)

Loancare is currently affecting my ability in being able to be approved for a mortgage due to reporting inaccurate payment history on all 3 bureaus. Showing me with late payment on XXXX, XXXX And XXXX in XXXX, and different reporting on XXXX and XXXX XXXX. Im currently under contract and will possibly lose my escrow due to this. PLEASE HELP ASAP!
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX, I sent out certified mail letters to each Credit Reporting Agencies regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and verified everything as accurate. 

1. I am disputing this account for inaccurate information because you are reporting the date of the last payment incorrectly. 
You are reporting the date of last payment as XX/XX/XXXX while Experian is reporting XX/XX/XXXX. If this isn't reporting correctly then this means the date of first delinquency is wrong as well as manipulating the statute of limitations XXXX XXXX Account Number : XXXX Please Submit onto XXXX form and please Delete under section 1681s ( 2 ) ( b ) 2. Remove these late payments because I was never 30 days late in XX/XX/XXXX I was only 27 days late XXXX XXXX Account Number : XXXX Please submit onto XXXX Form and please remove late payments under section 1681s ( 2 ) ( b ) They have failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ).

I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). They have 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. Please delete these items from my consumer report.
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX, I sent out certified mail letters to each Credit Reporting Agencies regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and verified everything as accurate. 

1. I am disputing this account for inaccurate information because you are reporting the date of the last payment incorrectly. 
You are reporting the date of last payment as XX/XX/XXXX while XXXX is reporting XX/XX/XXXX. If this isn't reporting correctly then this means the date of first delinquency is wrong as well as manipulating the statute of limitations XXXX XXXX Account Number : XXXX Please Submit onto XXXX form and please Delete under section 1681s ( 2 ) ( b ) 2. Remove these late payments because I was never 30 days late in XX/XX/XXXX I was only 27 days late XXXX XXXX Account Number : XXXX Please submit onto XXXX  Form and please remove late payments under section 1681s ( 2 ) ( b ) They have failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ).

I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). They have 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. Please delete these items from my consumer report.
Consumer complaint received 2022-12-08
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Instarem PTE Limited (FL)

I sent 2 successful transactions via Instarem those went through. So I went ahead and did one more transfer. The company received money from my credit card company XXXX and Instarem posted the status as paid to the receivers account 2vdays ago, but the money is not in the receivers account. 

I looked up customer service number of InstaRem and called but a busy tone and eventually after 2 rings call gets dropped. 

When I reply to their email I get an automated response stating that I need to chat with a customer service personnel that too is automated.