davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-09
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. (CA)

This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX AK XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$49000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$620.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-18
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: Experian Information Solutions Inc. (NC)

I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) in order to request a formal investigation and correction of an account that appears to contain inaccurate and incomplete information on my credit file, as required by the Fair Credit Reporting Act. Regarding the XXXX  XXXX XXXX XXXX account with a balance of {$0.00} and a date opened of XX/XX/2021, I would like to verify the payment history and current status of this account. I strongly believe that this account is reporting inaccurate information. I have always made my payments on time and have maintained my own payment records. The information provided by the Credit Bureaus does not align with the records I have. I kindly request a thorough investigation into this account to ensure legal and accurate reporting. Additionally, I kindly ask that the Credit Bureaus verify the aforementioned account. If the information can not be fully substantiated as completely accurate, I respectfully request an immediate correction of this account on my credit report.
Consumer complaint received 2023-02-20
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (MA)

My XXXX passed away in 2017 and I have been trying to close out the account. I have contacted the bank in Florida and their office in North Carolina to try and resolve the issue to no avail. I have sent all pertinent information as requested but it seems like they are sending me in circles.
Consumer complaint received 2023-05-18
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: Experian Information Solutions Inc. (TX)

The unverified items 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 items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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
Consumer complaint received 2023-05-18
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. (GA)

XXXX XXXX has ignored the fact that I am a victim of identity theft and in fact I have an attorney hired and XXXX turn this account that I did not open over to them to sue In arbitration, this account is fraudulent, I was ask to provide more information by this XXXX XXXX I never done business with us to provide my social security card and other information I was informed by several investigators and two attorneys one I do hire for the identity theft issues and now I can turn this account over to this attorney, my information was used to open this account, now Im asking XXXX XXXX dont give fees back I dont want to hear it but do want to let you know that as much yall have ignored my complaints and the ftc identity theft report is being documented and printed to show XXXX how many times I have filed numerous complaints, heres the deal I dont live at the address yall keep sending information about some car account the person at that address was leaked and now its being used as an address to open accounts thats not my address i have never lived there and my information my license has been stolen and.used yes I had to change my information because of the identity theft and no is the question Im not sending any information through the mail I dont knowing you people and I was informed not to send anything I am a victim of identity theft and do me a favor just take this off my credit report it wont be worth my suing yall in arbitration, or court it doesnt matter to me, I got so much information to show that my social security number and drivers license number has been leaked on the dark web by XXXX XXXX just to let you know I won my case against XXXX XXXX I have a data breach proving my information was leaked and compromised by XXXX XXXX, either a choice here, whats it worth, I can send numerous of documents showing he identity theft from a incident with the IRS where a scammer in another Country use my information to file and try to defraud the government out of thousands of dollars now I am a victim of identity by the us government, and I do have a police report filed by me against XXXX XXXX for identity fraud XXXX and I have ftc identity theft reports its the SAME Thing AS A POLICE REPORT and acts the same, so take my complaint and my issue seriously, I will seek arbitration and have this lawyer collect damages, now just delete the that account off my credit report and stop using my information as a result of intimidation, I will send some documents to inform and show but do not ask me for any documentation wont happen Im trying to get my life back from all the identity theft I have been through I have accounts open in my name, and Im getting fired of it now delete this account or will sue experian and XXXX XXXX, I have all these complaints I will send notification to this lawyer about this matter thank you, now delete experian or I will sue experian In arbitration.
Consumer complaint received 2023-05-18
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: Experian Information Solutions Inc. (WI)

Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). 

I have disputed this account on multiple occasions, as recently as XX/XX/2023. The information on the account is not mine. I have requested a copy of the contract with the wet signature and proof of my identification that should have been provided. I have not received this information or any response.  XXXX XXXX XXXX XXXX account XXXX does not belong to me.
Consumer complaint received 2023-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX ( XXXX ) I have a current creditor on my credit profile that is constantly increasing and decreasing payment amounts due, reaging debt. I have submitted various of disputes to the credit bureaus to investigate this to no avail. This creditor is also altering last activity dates.
Consumer complaint received 2023-02-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NV)

Good evening : I am I am writing this unassisted, please forgive any misspeling that is not caught by spell check. My caregiver is not able to help at this moment. I have submitted information that I have not been able to work for the past year, and that I have been decared as TPD by the XXXX and XXXX the State of Nevada PERS division XXXX I am drawaing a pension from the DOD and the State of Nevada. I am pending SSDI/SSA. I am writing again to advise or trying to clarify what inforamatin yyou may need, I have short term memory issues. Please forgive me that if iI do not write thej down they are gone if I do nto commit them to long term.l I do my best ; I do not want to provide anyone wityh wrong information. However the increased amount of the forbearance is concernin g to me, i did not ask for the forbearance but rather if this loan could be considered for cancellation or discharge-if it can not a simple yes or no answer is all I need rather than a run around and a forbearance of a year and increase interest. I have ben burned by XXXX XXXX in the past while on XXXX XXXX. I can not express the deepest concern and frustration aboutt this situat8ion and potention others that maybe in this situatiohn. Yes, I applied for this loan- I can only afford the amount that I agreed to because of the therapy that I am in-the forberancec and the increased interest that this places-thus the small payments thatt I am paying which i hope to XXXX i understood. The lack of communication about what this was about and the potential situation that this is in. The massive csr turn around calls that refer me or my caregiver to nel net- i am very confused. If this loan is NOT eligible for forgiveness/cancellation/discharge at all and I mean at all. Please do NOT lie. I have not lied to you about my situat8ion,, that I have not worked, that I am XXXX and that I have submitted my entire medical file for review which is very invasive. I ajm very and more than willing to cooperate but I feel that talking to anyone i get stuck in que upon que, per my last notes I need to submi a statement that I will not be filing taxes that my income from the VA is non taxable. See : I.R.C. 104. Military XXXX payments are nontaxable. Regardless of this situatin, all of the thihn going on in the world or in everyone 's life. Please all I ask is, 1. ) Do I need to pay the aggreed amount of XXXX or more? 2. ) Is this loan viable for discharge/cancellation/forgiveness? XXXX. ) What additional information do you need at this time? 

Please note : I will be sending a copy of this information to the BBB, CFPB, and the Student Loan Ombudsman. 


XXXX XXXX XXXX
Consumer complaint received 2023-08-16
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX.
Consumer complaint received 2022-12-29
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Although I do have accounts with the following companies, I do not recall the credit inquiries performed on the following dates XXXXXXXX XXXX XXXXXX/XX/XXXX, XX/XX/2022, XX/XX/2022. Capital One XXXX
Consumer complaint received 2017-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

XXXX , Equifax and  XXXX  are reporting late payments for months on my credit report that I was on the rehabilation program with U.S DEPT of ED and in fact making payments to the U.S DEPT of ED during months  XXXX ,  XXXX ,  XXXX ,  XXXX , and  XXXX  to make payments for  XXXX  that were being drafted from out of my acct each month and these payments were paid on time each month and I was not late during neither of these times. In   XXXX   myself and the U.S Dept of ED changed the agreement form the rehabilitation program to a settlement agreement for my remaining balance to be paid in full by  XX/XX/XXXX . I was under agreement from XX/XX/XXXX - XX/XX/XXXX  to pay my balance in full. I completed that agreement and paid my balance in full on  XX/XX/XXXX . I would like for each credit bureau  XXXX , Equifax and  XXXX  to update my payment history with the accurate info showing my account was in fact being paid for the following months  XXXX ,  XXXX ,  XXXX ,  XXXX , and  XXXX  of  XXXX . And for the months  XXXX    XXXX   and  XXXX  of   XXXX   as well I was under agreement at this time and was told that no payments were going to be reported late because of my agreement that I had set up with the U.S DEPT of ED.
Consumer complaint received 2023-01-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (MI)

My XXXX XXXX XXXX XXXX  is supposed to be switching to MOHELA from XXXXXXXX XXXX XXXXXXXX. I never had an issue when it was them. I have been on the phone almost 3 hours this time and have many other calls to them to try to figure out what happened as my load went to XXXX. I have called XXXX many times as well and their answer is that MOHELA needs to request the loan. I submitted my form on XX/XX/22, it states it is processed, but they have never requested my loan from XXXX and can't tell me why. Today they said that they have the information but aren't sure why it isn't put through. I have five years of my ten required to get my loan forgiveness. As a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX for 20 years, this is by far the worst customer service I have ever seen. I need someone to help me resolve this.
Consumer complaint received 2023-06-02
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. (GA)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

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
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

The credit card charged an annual fee. This is second year they have done this. I thought the card was closed. I don't have it or use it. I am a XXXX XXXX so I am not present at home for random mail ( been gone 2 years ). XXXX XXXX apparently charged a XXXX annual fee ( had no knowledge of it ) and added multiple fees ( now up to {$99.00} ) in a week!!! I found out when my credit score while buying a house decreased XXXX points for 30 days late so I quickly tried to call and fix it. 1 week later they reported AGAIN as 60 days late and now {$140.00}. None of this is correct. I paid the {$99.00} immediately after I saw what was going on even though I don't feel as though I owe them a dime. They told me I had to fax a letter why so I did. No response and no one will discuss it they just keep nailing me and now have it as {$58.00} going in 90 days. It's completely wrong and no one will fix it or help me. It destroyed the chance I finally had to purchase a home. Why would they not fix the situation and why is it legal for them to continue with fraudulent information? Please I need help fixing this!! XX/XX/XXXX XXXX points 30 days late. XX/XX/XXXX 2 weeks later XXXX 60 days late. Honestly I feel like it's fraud.
Consumer complaint received 2023-06-23
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. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-05-18
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. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rihgts to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX $ - XX/XX/XXXX XXXX XXXX XXXX {$510.00} XX/XX/XXXX XXXX XXXX XXXX $ - XX/XX/XXXX XXXX XXXX XXXX $ - XX/XX/XXXX has violated my right. ( I was not even a resident of the United States of America at the time the account was opened. I am a XXXX XXXX. 
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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-21
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)

The status is incorrect for the following accounts an these accounts are not mine. 
XXXX XXXX XXXX .... Balance : - XXXX XXXXXXXX XXXX. Balance : - XXXX XXXXXXXX XXXX XXXXXXXX .... Balance : - XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Identification number XXXX Date filed XX/XX/2020 Status XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-09-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (OH)

In XX/XX/2023 my mortgage payment increased. I called to see why this happened and was told there was an escrow shortage and that once the shortage is paid off it would last no less than to the end of the year. I told them I did not want my payment to go up, I would just pay the shortage. They told me that my payment would still go up even if I paid the shortage because they need a " cushion ''. I didn't like it but what was I to do... They bought my loan, and I can not refinance to go to another company because the interest rate would go up 5 % higher than what I have now. 

Now it is 6 months later, and they are raising my payment again stating cushion and escrow shortage .... So, I was lied to in XXXX. How can my mortgage payment increase twice in 6 months!!!! 

They have nothing but excuses. I asked for an audit of my account, and they refused, I asked for a detailed statement of how it goes up twice in a year they refuse... If I could move companies I would, but I cant!! Something is not on the up and up!!