davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (VA)

I requested details regarding the specific activity or action that caused my credit score change because it's nowhere to be found when logged into the Equifax, XXXX, or XXXX websites when logging into my account. Credit bureaus are notorious for advising that " There are many factors that cause score changes '' but they don't provide any specifics for the consumer 's own knowledge. Consumers should not have to hunt through their credit reports to find out why their scores changed. I don't have much on my report but I don't see any recent changes that would warrant a score decrease. It's just as hard to tell why your score increased. Again consumers should be provided with specific explanations. Credit agencies should be required to be transparent with their scoring scale, categories for scores, and how specific actions affect the score. 

Credit reporting agencies should provide documentation that breaks down each score-changing scenario. Example scenario for a transparent system : Credit balance increases result in a score decrease if the increase causes the debt-to-income ratio to be more than 35 %. Your credit balance increased from {$1.00} to {$10.00}. When calculated against your entire debit portfolio that increase resulted in a debt-to-income ratio of 35 %. When your debt-to-income ratio is 35 % or higher credit scores decrease by XXXX XXXX 

The scoring system should be specific and not random. As in the example above there should never be other score values for that scenario. Consumers would know that they'd lose XXXX XXXX At no point should the bureaus be able to take XXXX XXXX one month XXXX XXXX  another month, and XXXX XXXX another month. It's really ridiculous that consumers are at the mercy of credit bureaus that can increase or decrease scores to whatever numbers they want without explaining exactly why and providing documentation on scoring formulas/scales. 

This is important to be even given the fact that the decline in my score was minimal but still matters to me.
Consumer complaint received 2023-09-07
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 RECENTLY PULLED MY CREDIT REPORT FROM XXXX, TRANSUNION, AND XXXX AND TO MY AMAZEMENT, SAW THAT THERE ARE FRAUDULENT ACCOUNTS BEING REPORTED IN MY CREDIT FILE. I AM A VICTIM OF IDENTITY THEFT AND I HAVE NO KNOWLEDGE WHO OPENED THESE FRAUDULENT ACCOUNTS UNDER MY NAME. THE FOLLOWING FRAUDULENT ACCOUNTS ARE XXXX XXXXXXXX - ACCOUNT NO : XXXX .... AND XXXX XXXX XXXX - ACCOUNT NO : XXXX .... THE FAIR CREDIT REPORTING ACT REQUIRES THE CREDIT BUREAUS AND CREDITORS TO BLOCK AND DELETE THE FRAUDULENT INFORMATION FROM THE CREDIT REPORTS WITHIN FOUR BUSINESS DAYS. BUT XXXX, TRANSUNION, AND XXXX CREDIT REPORTING AGENCIES REFUSED TO BLOCK FRAUDULENT ACCOUNTS BASED ON MY FTC IDENTITY THEFT REPORT THAT I WILL ATTACHED WITH THIS COMPLAINT.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

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 2023-09-07
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. (FL)

I have attempted to reach out to the creditors and the credit bureaus directly with multiple letters and have yet to receive a response or a resolution to this matter. The first dispute was mailed XX/XX/2023 and the second was mailed XX/XX/2023. We are in the month of XX/XX/2023 and still no response from reporting agencies. I have rights as a consumer and demanding a resolution.
Consumer complaint received 2022-12-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (WI)

I am currently waiting to be forgiven with the Public Student Loan Forgiveness program. I had my XXXX payment month in XXXX of 2022. Was told by XXXX XXXX that I was to be forgiven but moved to XXXX  in XXXX. Since then, I have been waiting with little to no movement or communication and would like to have a better timeline of when I will be forgiven.
Consumer complaint received 2023-09-07
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 attempted to reach out to the creditors and the credit bureaus directly with multiple letters and have yet to receive a response or a resolution to this matter. The first dispute was mailed XX/XX/2023 and the second was mailed XX/XX/2023. We are in the month of XX/XX/2023 and still no response from reporting agencies. I have rights as a consumer and demanding a resolution.
Consumer complaint received 2024-03-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NY)

I am writing to demand the immediate deletion of the following fraudulent accounts from my credit report. Their continued presence reflects negligence on your part and violates consumer rights. Rectify this immediately to ensure compliance with the law and restore the accuracy of my credit report. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-13
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. (DC)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXXXXXX Balance : {$390000.00}, XXXX XXXX XXXX XXXX : {$13000.00}
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which 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, CA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/2022 XXXX
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC (MD)

I believe that my information is being misused and reported as inaccurate and I am refiling this complaint to CREDCO. In my credit report from XX/XX/2023, I found unauthorized inquiries that I was not aware of, according to 15 U.S.C. Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and I want my credit report to be accurate. 

The CREDCO responded with a letter which I have attached but they still did not remove these unauthorized inquiries that are reflecting on my credit report. 

I have attached my IDs as per request.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I called in XX/XX/2023 to ask the company when my payment due date was the guy told me over the phone that the account was open on the XXXX so I had 30 days to make a payment, Yesterday morning I get an alert from XXXX saying that my score dropped XXXX points and that my credit usage had went up 36 % although I did use the card I was alerted of a payment due date so I assumed it was on the XXXX I called the company the lady told me that when i signed yup they gave me a XXXX I did not see that the XXXX or the XXXX was my due date so my account got reported as 36 % credit usage which I wouldve paid before the XXXX or XXXX had I been informed whenever I called I would like my scores to go back up Immediately
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I called in XX/XX/2023 to ask the company when my payment due date was the guy told me over the phone that the account was open on the XXXX so I had 30 days to make a payment, Yesterday morning I get an alert from Experian saying that my score dropped XXXX points and that my credit usage had went up 36 % although I did use the card I was alerted of a payment due date so I assumed it was on the XXXX I called the company the lady told me that when i signed yup they gave me a XXXX I did not see that the XXXX or the XXXX was my due date so my account got reported as 36 % credit usage which I wouldve paid before the XXXX or XXXX had I been informed whenever I called I would like my scores to go back up Immediately
Consumer complaint received 2023-07-13
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. (TX)

In despite of my previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. Time has already passed but up until now, I havent heard any kind of response from the 3 Credit 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, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to correct the accounts which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX XXXX Balance Owed : {$520.00}.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

I AM REQUESTING OMBUDSMAN DEPT. TO AUDIT MY MORTGAGE ACCOUNT. I RECIEVED A LETTER XX/XX/XXXX FROM RUSHMORE LOAN MNGMT SVCS C.F.P.B. COMPLAINT NUMBERS : XXXX & XXXX STATING THAT RUSHMORE RECIEVED A PARTIAL LENDER PLACED REFUND OF {$1400.00} FROM MY PREVIOUS BANK XXXX XXXX STILL, RUSHMORE REFUSE TO DEMAND FROM THEM MY OTHER UNREFUNDED AMOUNT OF {$710.00} INSTEAD THEY GAVE ME TWO BOGUS PHONE NUMBERS, ( XXXX ) XXXX & ( XXXX ) XXXX, TO CONTACT XXXX  XXXX TO DEMAND MY MONEY OWED TO ME SINCE XX/XX/XXXX. 

ALSO, RUSHMORE LOAN MNGMT REFUSE TO REFUND MY {$2700.00} FORCED PLACED INSURANCE PREMIUM XXXX DESPITE ME PROVIDING THEM FULL PROOF OF XXXX XXXX. COVERAGE FOR MY CONDO YRS XXXX TO XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX POLICY # XXXX PHONE ( XXXX ) XXXX
Consumer complaint received 2022-12-07
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Remitly, Inc. (VA)

On XX/XX/2022 I signed up for Remitly to transfer money to a person in the XXXX XXXX. I completed all the requirements and was granted access. 
I proceeded to submit one transaction and it went through OK. Then I proceeded to submit a second transaction to the same recipient, and was told that this looked like a duplicate, I clicked the option : Ok, go ahead, as I was aware and OK with the transaction. 
The app took longer and I got a message that the transaction was under review. 
An hour later it was declined so I proceeded to contact the Remitly customer service. 
They told me my account was locked as there was a violation to their terms. 
SO I asked what kind of violation was that, and they kept saying that due to security policy they could not tell me. I told them it was my right to know what was the violation I was being accused of, but they never responded. 
I asked to talk to a supervisor, and they told me all supervisors were busy and they will take hours or days to talk to me (!! ). 
I asked to open a review on my case, which they said they did and that within an hour I would receive an answer, of course, I never did. 
I called today, XX/XX/2022 and was told that they decided to keep my account suspended and no more information could be provided. 
I'm worried this company has my data, and that it is my right to be informed of why an action has been taken on my account. 
My name is XXXX XXXX.
Consumer complaint received 2023-09-07
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (MD)

I am completing this complaint, as it appears the collection agency is now operating under XXXX XXXX XXXX. I was a victim of IDENTITY THEFT. They are saying I have a collection owed to them in the amount of XXXX. This debt is not mine! I dont see how Equifax can verify as accurate if my identity was compromised. My social security card, and license were stolen. Since the thief used my information of course it may show this valid, but its NOT. I have sent a letter to the agency requesting concrete proof I rented the apartment over 30 days ago, and have not received it, so by law it states that if I am a victim of identity theft, I am to submit proof, which I have attached my FTC AFFIDAVIT. According to 15 U.S 1681b it is the credit bureaus job to block any information in relation to the identity theft from my credit file. I have tried to resolve this with the rental company, and it is the credit bureaus job to operate fairly and ethical. Stating that my debt is valid when there is no proof is unethical. This one collection is completely ruining my livelihood, and is stopping me from getting an actual home. This debt is not accurate as I am a victim, and should not be penalized in accordance to law.
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CLGF Holdco 1, LLC (PA)

XX/XX/XXXX Genesis FSXXXX XXXX XXXX Acct XXXX XXXXThreaten to sue -False name / contact info -Claim they are attorney or represented -Gave false information about me -Threaten to tell anyone about my debt -Continued contact after requesting in writing to stop contact - Have been told I owe more than I do. 
- Called my work after I told not to contact place of employment
Consumer complaint received 2023-09-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/2023 got approved for a Wells Fargo XXXX Credit Card, I received the card after 6 days with 2 blank checks for the Balance Transfer offer so i used the first check and paid the amount back on XX/XX/2023, and wrote a second check and deposited in my wells fargo Checking Account # XXXX, then called the customer service on same for inquiry how long takes to payment posted in my credit card before depositing the check in my checking to do a balance transfer from credit card Ending XXXX to my checking Account # XXXX so the payment posted in my credit card on XX/XX/XXXX, and i wrote the check and deposit on XX/XX/2023 went to the branch on XX/XX/XXXX, to withdraw the money with no issue Later on the bank returned the check for no reason and charged my checking account for overdraft fee {$35.00} plus the negative amount of the returned check from my Wells Fargo credit card the bank all the car is, i have to pay the negative balance plus overdraft fee i will never do that, won't take any action of my side let this worst bank in the USA close the negative account and i will file a dispute with XXXX and XXXX XXXX i'm attaching all the docs to show the dates didn't do anything wrong in this transaction but this scam bank all they want charge me an overdraft and tried to convince me its was my fault
Consumer complaint received 2023-02-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (NC)

I am receiving calls from Navient continuously throughout the day. The calls started on XX/XX/2023, and still receiving them. However, when I log on to the site, this is the message : Important : Your U.S. Department of Education ( ED ) owned loans are now being serviced at XXXX 
They ( Navient ) have also reported to the credit bureau that my loans are 90 days late. Please explain this to me, as I believe there has not been a ruling on repayment as of yet. I appreciate the time and effort you are putting into this matter for me. 

Regards, XXXX XXXX
Consumer complaint received 2023-09-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

I WAS SCAMMED XX/XX/ Heres my pitiful story. Our Bank America Credit Card wasnt working quite right, but we thought everything had been straightened out. Then I got a call from Bank America, with caller ID for them, asking if we knew XXXX... And had I sent her {$990.00} on XXXX. I said no and they gave me a long case number and two cancellation numbers then transferred me to the XXXX department. I gave the new person the info and he started having me put numbers into the search line, etc. explaining that this is the way they can block anyone from tampering with my XXXX account. I was so flustered trying to understand the XXXX guy who spoke with a heavy accent as so many companys customer service people do. I could barely keep up with writing numbers and typing them into XXXX. He explained that we needed to do it multiple times with different numbers but not to worry all would be cleared after we finished the process. On the fifth round of numbers I had enough time to see a notice on top of the XXXX page saying beware of a scam. They would never ask you to send XXXX to any numbers. I read that to him and at first he ignored it but then said he knew but he was doing what needed to be done. I said that I no longer trusted him but he said I could trust him because he had not asked for any personal info and if he were doing something bad he would hang up right away. He was so kind and patient repeating numbers for me. I got my credit card and called Bank of America on my cell. They had heavy call volume and I had a long wait to main line then another wait for the XXXX department. The scammer asked me what I was doing and I told him I was reporting him. Then the last transaction was denied because I had reached the limit for {$3500.00} in one day. But he wasnt bothered and said that was normal and he knew how to unlock that. He kept assuring me he was working it all out so I would see nothing was taken out of my account. I had stopped talking to him and had laid the phone beside me. He started yelling the instructions but by then the real XXXX department had connected and the scammer hung up. I was so upset. The agent was kind, took lots of info for the claim but said they rarely recover any XXXX losses though they are trying so hard. I was sick I had fallen for so much. 

The call from scammer came Bank of America on caller ID at XXXX at XXXX XXXX XXXX at XXXX XXXX at XXXX My call to real Bank XXXX XXXX XXXX at XXXX. 

The first 5 names and amounts are the frauds/scams. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have attempted to reach out to the creditors and the credit bureaus directly with multiple letters and have yet to receive a response or a resolution to this matter. The first dispute was mailed XX/XX/2023 and the second was mailed XX/XX/2023. We are in the month of XX/XX/2023 and still no response from reporting agencies. I have rights as a consumer and demanding a resolution.