davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Acct # XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States that I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-09-10
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. (AL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  account # XXXX  XXXX has violated my rights. 

15 USC 1681 Section 602 States that I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # XXXX  XXXX has violated my rights. 

15 USC 1681 Section 602 States that I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-05-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2023-03-29
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: EQUIFAX, INC. (FL)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2023-09-10
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. (NY)

I have a XXXX  account with a credit builder pre paid credit card. They approved a charge for {$370.00} when funds werent available. I deposited by direct deposit {$100.00} per pay check and paid off the amount of {$370.00} by XX/XX/2023 and even responded to their emails stating if i didnt make a payment they would report me as late. they responded thak you for the update we will update your account. They reported my 60 days late with full balance still owed and my score dropped by XXXX points. i was denied housing because of this. i re disputed this with credit bureau and its on my report as disputed. Today XX/XX/XXXX all 3 bureaus reported me as 120 days passed due with a balance of {$170.00}. as of today a have a available balance of XXXX. I withdrew all my funds and demanded this account be closed for over a month. I submitted all the proof to you see past complaint against XXXX as well as uploaded it to the credit bureaus. So before I end up homeless due to this not even error at this point. its a deliberate action on the part of all parties at this point, id like transunion, XXXX and XXXX  to remove XXXX info off of my reports
Consumer complaint received 2023-09-10
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Lockhart, Morris & Montgomery Inc. (MO)

This debt was removed off my account twice and closed. 
They placed this back on my account twice. I wasnt notified nor did i receive any notification that this debt was placed back on my account for the first or second time.
Consumer complaint received 2023-09-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Mr. Cooper Group Inc. (OH)

XX/XX/XXXX, I began the process of my son and his wife assuming the loan/house that I owned. The mortgage is an assumable loan. All paperwork was submitted on time, but it was claimed that it was not received. Paperwork was resubmitted in XX/XX/XXXX, via certified mail to prove it was received on time. Since then, it has been a continuing problem with communication from this company. We have talked to so many different people over the last year who are taking care of this loan assumption, as they keep handing it off. We were told it would take 4-6 months to complete. The last communication I have received was in XX/XX/XXXX, stating they are doing everything they can to facilitate this process quickly. Again, no communication since then. My daughter in law has resubmitted paperwork several times as they have asked for updated bank statements, etc. My son and his wife have great credit scores, so their credit worthiness is not an issue. My credit has been greatly affected by this as it still shows that I have this house and my new house as mortgages that Im paying on. My son and his wife have paid the mortgage for the house in question since XX/XX/XXXX and have provided home insurance and have provided proof that they have been paying the mortgage. It is ridiculous that this is taking over a year to process this assumption. But in the meantime, Mr Cooper has offered to refinance the loan into their names but at a MUCH higher rate, as I had refinanced during Covid and the loan rate is much lower. I believe they do not want to complete the loan assumption because of the low rate that it has and are hoping we will tire of dealing with this and will refinance at higher rate. There is no other reason for this delay.
Consumer complaint received 2024-03-12
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: Experian Information Solutions Inc. (FL)

I am writing to file a complaint against Experian regarding their failure to respond appropriately to my dispute regarding inaccuracies on my credit report. 

On XX/XX/XXXX, I mailed a dispute letter to Experian via USPS certified mail ( tracking number : XXXX ), requesting an investigation into several inaccuracies on my credit report. The disputed items include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I disputed the following incorrect personal information listed on my credit report : XXXX XXXX XXXX XXXX, XXXX, FL XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX. 

I included a copy of my photo ID, social security card, and a recent bill with my current address to assist Experian in verifying my identity and address. 

On XX/XX/XXXX, I received a response from Experian via email stating that they received my request but did not take any action on it because it did not appear to have been sent directly by me or authorized by me. 

It is my understanding, as per the Fair Credit Reporting Act ( FCRA ), that if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Experian 's failure to conduct a reasonable investigation upon receipt of my dispute is a violation of my consumer rights under the FCRA. 

Enclosed with this letter, please find a copy of my dispute letter sent to Experian, along with proof of USPS certified mail delivery, and Experians response via email.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law. The following items are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

My name is 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.
Consumer complaint received 2023-06-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

proof of address during time accused. I want this debt removed. I suffer from XXXX it hard with this going on I pnly have 3 days to applyfrom my graduate loan I need this collection off my credit. Its not mines Please remove I need to get my graduate loan. Please I need this off now. I lost my family in covid. Th is is all have to look forward to. I beg you please remove it. I almost lost my job my call to y work place. You cant have bad credit. Everythinhg is falling apart. My pstd is kickng in please delete. I beg you.
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX  XXXX Account name : XXXX XXXX XXXX # XXXX has 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-05-01
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: HYUNDAI CAPITAL AMERICA (FL)

I made an error and let pressure get the best of me. I was also lied to by the salesman about many details which were obviously selling points for him I was pressured into a 4 year lease with XXXX payments and paid XXXX down. 

The contract, which isn't final because the dealership has not secured funding, is 100 % dealer driven profit and includes absolutely nothing for the consumer. 

I hope to re negotiate the terms and not be stuck upside-down in a 4 year lease with payments hovering XXXX I have contacted XXXX XXXX XXXX, and hope to work something out that is fair -- not a trade you would get at a buy here pay here.
Consumer complaint received 2023-07-23
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (MD)

Mazda Financial Services reported me to collections stating that I was 30 days past due. They did the same thing from last year XXXX  which was a lie stating that i was late on a payment. I have proof from my bank. I now send cashier checks to them. They have reported to the credit bureaus that I am late on my account again from the month of XXXX which is untrue. I contacted my bank yesterday for verification purposes. They in fact sent me a copy of both of the cashier checks that In fact have been cashed. They are reporting inaccurate information which is affecting my credit score which is messing me up In a major way. This is my last warning to them to correct their wrong doings.
Consumer complaint received 2023-09-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IL)

On XX/XX/2023 I paid off my student loan balance through Mohela, my absolutely incompetent servicer. I have the documentation of the payment confirmation, the withdrawal from my bank account and the following XXXX balance from the Department of Education. 

Following my payoff, the department of Ed gave the money back. I have not been abler to find out why because they have not responded. If it's for forgiveness, I would like to know. However, I believe it must be for continuing gaining interest. 

Soon after reaching out to the department of Ed to submit a complaint about Mohela, they then brought my balance back from 0 to the original amount. Nowhere in this was I ever contacted. 

My servicer then began charging interest, now I have to pay at this time {$11.00} more but it will continue to accrue simply because no one accepted my payment and no one is responding. 

At repayment, the servicer system said I would be overpaing due being in auto debit, which I am definitely not in. They are a new servicer! It switched during the pandemic. they know this because on their website dashboard, it says a warning about lowering my payments if I choose to sign up for debit. 

This is all evidence that they can not handle the crucial data management required for loan servicing, who knows what else they have mishandled leading to incorrect payments for myself and others.
Consumer complaint received 2023-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: K STREET FINANCE, INC. (CA)

Mullen Finance, account # XXXX opened XX/XX/2018 and a balance of {$2500.00} on XXXX. 
This account is incorrectly reporting that I have 10 late payments. On my experian report there are 0 late payments being reported. I do not remember ever being late on this account. Please provide statements and records of all payments made and missed since I opened the account. This account is incorrectly being reported as a charge off account with a balance due. 
Please provide proof of the charge off and update the balance {$0.00} or delete negative payment status on this account.
Consumer complaint received 2023-09-10
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (CT)

i have contacted sallie mae multiple times to see if there was an option to lower my monthly payment without having to miss one or declare bankruptcy, as my mom is the co signer. i am met with a similar answer every time about having to miss payment to have the collectors contact me with a different solution. they are vague as to what this would entail and i am not trying to get money taken out of my paycheck and i don't my mother to take on more things to pay for. the vast majority of my paycheck goes towards my loans which lives very little money to spend on necessities like gas and such. my two loans have astronomical interest rates one standing at about 13 percent and the under around 11. it is virtually impossible it seems to get a concrete answer out of the company as to what would happen or what is an option i can proceed with.
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Hello, in response to complaint # XXXX I have sent Equifax a XXXX of my drivers license with my only address as well as XXXX of my utility bills. Equifax has been causing me harm by failing to provide me with a credit score, defaming my character, and other financial damages. Adverse action was committed against me in the form of my application for a {$300000.00} mortgage with XXXX Bank that I was denied for even though I can not be denied an extension of my own credit. The application I filed out was deposited with the Treasury and I received no consideration. However, Equifax received consideration when they sold my credit information to XXXX. This constitutes unauthorized use of my social security card which is by definition a credit card. I have attached a copy of my correspondence to Equifax and demand my credit score be made available to me immediately.
Consumer complaint received 2023-04-25
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. (IA)

Two incorrect addresses are appearing on my credit report even though I have never lived at these addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have requested Experian remove this incorrect addresses, but they refused to remove this incorrect information from my credit report.
Consumer complaint received 2022-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite the numerous attempts I made to inform the bureaus of the fraudulent accounts, unauthorized inquiries, and incorrect personal information I have in my credit report, they still keep reporting them. This is an act of neglecting my request for the removal of the items below without supporting documents submitted or a form of response. Their behavior has been pulling my scores down which is now my reason for sending this complaint directly to CFPB. Here are the items that I am concerned of :
Consumer complaint received 2023-08-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lockhart, Morris & Montgomery Inc. (NY)

Debt has already been paid for by insurance. They are calling to tell me that I owe them money when I have medical insurance and shouldnt have to pay anything. After showing them an itemized bill, I got from the hospital they refuse to acknowledge it, and continue to say I owe them money.