davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Pivot Financial Partners, Inc. (CO)

I missed a mortgage payment back in XXXX of XXXX. I was checking my credit and saw I had one 30 day late payment, but when I checked my account on their site it didnt show that it was late. I called to see if it was showing up on their end, but the guy ( His name was XXXX or XXXX XXXX said he didnt see anything and would look into it and call me back. He never did. I called a few times and left a couple of voicemails, but he never called back. The system they use is also really outdated and you cant just make a one time payment online since it was set up for recurring payments. About 7 months later I checked my credit again and it showed that I had 7, 30 day late payments. I called again and he told us which payment was late and I paid it. He said we could dispute the late payments since we tried contacting them months earlier to get it resolved which I tried to do, but didnt hear anything back. 

I hadnt disputed the late payments yet with the credit bureaus, but I checked my credit again because my wife and I wanted to buy a car and needed to dispute the late payments and get my credit back up. At this time it was XX/XX/XXXX and even though I made the payment beck in XXXX of XXXX, it was still showing up as late. I then contacted XXXX XXXX via email about it all and he didnt have record of me making the extra payment. I had to send him a statement showing I paid an extra payment on the mortgage in XXXX. He said he sent it to XXXX XXXX to get the 6 to 7 months of late payments taken off but that hasnt even happened yet and its XX/XX/XXXX. You can see how their system is very outdated. They couldnt even see on their end that I missed a payment all the way back in XX/XX/XXXX and that when I made the payment in XXXX of XXXX it didnt even show that I made the payment.
Consumer complaint received 2023-09-14
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: PENTAGON FEDERAL CREDIT UNION (NJ)

I have received a copy on my consumer reports, and I notice this company have still furnished to the consumer reporting agencies transactions that are excluded by law as per the FCRA 15 USC 1681a 2Ai. 
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; A consumers transactions are excluded from the consumer reports. XXXX and or any other Risk score or algorithm that is used to calculate a consumers credit score is not a factor where the consumer report is concerned! 

Pursuant to the FCRA found in Section 607 ( a ) a data furnisher must provide accurate information to CRA 's. This company is in violation of the law.

Please find attached document that further proves my claim.
Consumer complaint received 2023-09-14
Product: Credit reporting 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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2022-11-24
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. (MD)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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 LETTERS FOR REFERENCE
Consumer complaint received 2023-09-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC (AZ)

On XXXX XXXX and XX/XX/2023 Carrington mortgage returned two principal only payment and monthly loan payments to my bank account. No explanation or reason why the loan payments have been returned. After calling the company multiple times I was told by Carrington that my bank account did not have sufficient funds in account. I would now have to go to XXXX XXXX for the next six months to make mortgage payments. After speaking with my financial intuition I was able to find out that with no notification to my self the consumer the Carrington no longer accepts EFT bill pay from any financial intuition. I also inquired as to why my principle only payments are only applied to the principle at the first of the month and was given a reason that unless someone manual process the payment the funds will not be applied to the first of each month. So for the last two years all of my principle only payments sit in limbo until the next month to apply to the principle after the interest has been applied. This company is very unnautical and I was disconnected multiple times and had to spend most of the day waiting for response from the company. I still don't even know if my mortgage has been paid this month. Even though I have paid thousands extra each month to what I though was principle.
Consumer complaint received 2023-09-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (NY)

I would like to speak with a representative from EdFinancial Services because I have questions regarding my interest and the new Income-Driven-Repayment plan I just enrolled in. I was unable to find an answer online. I tried to call their number and it said the wait time was XXXX minutes. I then tried the chat feature but that was automated, so I was unable to find my answer there. I'm still " waiting for a callback '', but on the phone they said I would receive a call after XXXX XXXX, and according to their hours listed, they're not even open that late. I will try again XXXX  if I don't hear anything, but it is impossible to reach someone!
Consumer complaint received 2024-04-02
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 am writing to address the presence of unauthorized transactions in my consumer report, which I did not authorize or instruct. As a result, I formally request the blocking and removal of these accounts without any inaccuracies or misrepresentation of facts. Below, I have listed the specific accounts in question : It appears that your organization may be violating 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from solely containing information about transactions or experiences between the consumer and the entity reporting the information. 

This statute explicitly states that Transunion, as the reporting entity, should not include transactions or experiences associated with the line of credit extended between the consumer and the reporting entity in my consumer report. 

I urge you to promptly update my utilization to 5 % or below within 10 calendar days or remove all utilization from the mentioned accounts.

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is damaging to my reputation and adversely affecting my creditworthiness.

Therefore, I demand the removal of these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts.

Additionally, along with the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days. 

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681XXXX ]
Consumer complaint received 2023-09-14
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. (CA)

I am writng in regards to my consumer disputes that was never responded to which is unprofessional and against consumer law fdcpa-frca, its been 30 plus days still no response from the companies in question
Consumer complaint received 2023-04-17
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Maximus Federal Services, Inc. (MI)

A loan hit my credit is how I found out in a different state Some has used my identity for 2 student loans!! It also stated that the person went to school to get the loans! I asked the company how did someone get XXXX witout attending school they couldn't explain to me! I'm from Michigan. The person who stole my identity I believe it's a school in New York! I report it on my credit! They closed it then the school said it was my accounts! I never lived out of town my entire life and has been a victim of identity theft.
Consumer complaint received 2021-03-06
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. (PA)

I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.
Consumer complaint received 2023-04-21
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (VA)

At the end of our auto lease, we received a bill from Nissan to collect the personal property tax bill they paid, but it included time after the car lease had been terminated. 

We called several times and repeatedly were told the issue was being investigated and that once it was determined how much we owed, we would receive an updated bill. We never received a bill or any follow-up attempts from Nissan to let us know what we owe and give us an opportunity to pay them. 

Today, I received a collections notice for the amount owed from XXXX. 

After the several follow-up attempts in early XXXX, we followed the guidance provided to wait for the updated bill to arrive, which we never received.
Consumer complaint received 2022-12-06
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. (MO)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 2023-09-14
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. (AL)

In XX/XX/2023 I received a notice on my credit report that a debt collector by the name of XXXX XXXX XXXX reported to Experian that I had a past due balance of {$530.00} owed to XXXX. I have never had any agreements or business with XXXX or XXXX XXXX XXXX. I have never received any notices from either company in regards to the matter. I have tried to contact XXXX XXXX XXXX with no success. I have contacted XXXX and spoke to a representative by the name of XXXX ( Customer Care ID number XXXX ) on XXXX who confirmed that I do not and have never had an account with XXXX however could not provide me with a verification letter. I have filed a report with the FTC regarding the XXXX and XXXX XXXX XXXX ( ref report number XXXX ). On XXXX I spoke to representative from Experian by the name of XXXX and asked what information was used to verify this false account that I had disputed and she informed me that she could not give out that information but that I would have to contact XXXX  or XXXX XXXX XXXX for that information. 

I am requesting that the information used in the investigation be provided to me or removed from my credit report under 15 USC 1681a2 as I have not given written permission or have any agreements to have the accounts in question furnished to my reports.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Kornerstone Credit,  LLC. (GA)

Yes I paid off a lease in the amount of {$3000.00} on XX/XX/22 from Kornerstone credit. It hasnt showed up on my credit report yet.I 've been contacting them since XXXX of XXXX, they haven't resolved this issue.
Consumer complaint received 2023-08-07
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. (FL)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX Balance Owed : {$440.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$12000.00}.
Consumer complaint received 2023-08-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (IL)

I have made several attempts to get my student loan written off and closed on all three of my credit reports as this is a debt consolidation loan with Fed Loans which was for my XXXX  and XXXX  XXXX! I started repayment of my XXXX XXXX in XXXX when I graduated then returned to college to finish my XXXX  and consolidated my loans with XXXX XXXX, then went to work for the XXXX XXXX IL and XXXX XXXX  took them over now Mohela has taken the same loan over from XXXX XXXX!! 

It is the governments job and responsibility as well as their services to update all accurately, to track all loans when consolidated accurately and to follow the laws and write off student loan debt that has been paid on for 20-25 years but is not yet paid off!!!!!!! I started into repayment in XXXX and this is XXXX so have been paying on mine XXXX yrs!!! I want these loans written off and all information showing correctly in ALL of my credit reports, also their responsibility and job!! I then want my documents mailed and emailed to me showing all has been done and my corrected credit reports mailed to me!!!! 

I have tried to correct with the Dept of EmploymenXXXX twice, The credit reporting agencies numerous times one is attached which shows they did NOT remove it as they claimed and I want it written off not removed it should show XXXX balance the law states student loan balances are to be written off after 20-25 yrs of payments, it has been XXXX yrs!!! I also have tried to fix with Mohela numerous times and no one has fixed it!!!
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

Delete any and all other phone numbers. 


I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I was denied credit increase due to many past delinquent. However, I have setup automatic payment to my account. There was one time late payment that was waived by the company. I believe there are inaccurate information that should be removed since they are old reporting. I would like them to be remove if they are old data in my credit report. Wrong social security number shown when you log online.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (GA)

XXXX XXXX XXXX {$5700.00} USDCurrent balance {$620.00} USD Available credit {$0.00} USD due XX/XX/XXXX This is correct, they are still showing XXXX owed and will not update it timely fashion. 
Synchrony Bank I am applying for a Refinance and paying more as they refuse to update the credit with the bureaus.
Consumer complaint received 2020-03-17
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. (OH)

In XXXX was notified by XXXX XXXX  of possible breach and offer of 1 year under experian. I signed up. Since then experian has continued to send by email personal credit information from my report to advertise their services. As emails aren't secure, as the XXXX  bust spread many of our emails, and as personal credit information is not provided or collected to be published by experian or any credit bureau they are violated their duty and the law.
Consumer complaint received 2024-04-02
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. (MI)

XXXX XXXX XXXX is reporting a collection account onto my consumer report that is identifiable by the following information XXXX Trans Union this account is listed as XXXX XXXX # XXXX Placed for collection : XX/XX/XXXX Balance : {$430.00} Date Updated : XX/XX/XXXX Original Amount : {$430.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Banking ) Past Due : XXXX $ XXXX Account Type : Open Account Individual Account Open Account DEBT BUYER On XXXX this account is listed as XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX, Balance {$430.00} Balance updated XXXX XXXX, XXXX Original balance {$430.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$430.00} past due as of XXXX XXXX. Status updated XX/XX/XXXX On XXXX its reported as XXXX XXXX XXXX Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Account status Open Type No Info Responsibility Individual Account. 
Remarks Consumer disputes after resolution Collection account Original Creditor Name No Info according to the FCRA, Section 623, It is not lawful for a collection account to be reported in the status of Open if this account is being reported as a collection this account should be is closed. This account must be removed based on the false and misleading reporting stats of reported as an open account. As a consumer based on 29 CFR 500.6 - Accuracy of information, statements and data & 28 CFR 20.37 - Responsibility for accuracy, completeness, currency, And integrity.i am asking that inaccurate accounts be removed Immediately
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

I've been asking the bureaus for information for quite some time and they haven't answered me. It happens that some accounts are wrong in my report, some I don't even know where they come from, I'm really lost. I would like their collaboration so that they respond to me.