davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-28
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: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am so upset and freaked out about what is happening to my credit record and myself. Not only is it extremely humiliating, but it is obviously either your responsibility or the fault of the corporation for publishing this false information. Update to paid now or as promised and remove any annotations for late payments.
Consumer complaint received 2018-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Accurate Background (KS)

This past week, Accurate Background of XXXX, CA incorrectly reported a sex offender charge on my background check results to a prospective employer. Job offer letter accepted and signed last week with this employer ; we were awaiting results of background check. 

This inaccuracy has ( and still is ) resulting in loss of pay while I dispute these results with Accurate Background. To date, I have not received the background check results. Prospective employer only contacted me via phone to inform me that this charge means I can not work for company until resolved. 

I have a video recording of my completion and submittal of the initial background check form that I had to complete. Form never asked for items such as previous residences or if any former names had been used in the past.
Consumer complaint received 2017-09-20
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bayside Capital Services, LLC (CO)

On XX/XX/XXXX The company contacted my home, my job, my mother and my grandparents house leaving voicemails saying if I did not call them back they would be serving me with Legal papers at my place of employment. On XX/XX/XXXX They contacted my job again saying they would serve me with papers at my job if I did n't take care of this. I asked what company he was callimg from and he said the bcl, I told him I never heard of that company and he said it was from a loan I had from XXXX. He stated they were willing to settlw the debt for a lump sum payment of over {$600.00}. I let him know I could n't do that. He then stated I could pay {$110.00} every other week until that debt was paid and proceeded to ask for bank account information. I aaked him to send me a letter of validation since I have never received anything reguarding this debt and he sent me a email that was very fishy. He then said if I did n't call him with my bank information they would sue me and serve me paperwork at my job.
Consumer complaint received 2023-12-23
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mr. Cooper Group Inc. (FL)

Was on forbearance but continued to make payments, when forbearance ended, XXXXtheir portal kept showing different amount owed. I ended up paying over {$18000.00} which since my payment is {$850.00} a month, that is over 2 years of payments. I never received the letter on XX/XX/XXXX, at that point Id already paid over {$18000.00} and today as I was reviewing my account I noted that Cooper took {$5000.00} in XXXX of XXXX out of the {$18000.00} + I paid after forbearance ended and placed it in escrow. I was on forbearance for a year, and made payments throughout,, yet my new statements state Im short on escrow, where did that {$5000.00} go? My taxes are only {$1500.00} due XX/XX/XXXX, it was paid, where is {$5000.00}? In XXXX they refunded {$2400.00} for the forced place flood theyve been taking since XXXX, and they still charged {$610.00} in XXXX of XXXX and {$660.00} in XXXX of XXXX, it is quite clear they are adding in charges hoping to foreclose on borrowers homes. The following is what theyve taken for forced placed flood since XXXX XXXX {$660.00} XX/XX/XXXX {$660.00}, XX/XX/XXXX {$610.00}, XX/XX/XXXX {$550.00}, XX/XX/XXXX XXXX ( customer service rep said they paid my insurance with the funds, I asked who my insurance company was, she said XXXX XXXX no its through my HOA yet they were still paying XXXX for XXXX policies that they were just fined {$91.00} XXXX for ) also just this year, XXXX, after a supervisor, XXXX XXXX said shed monitor and make sure they would stop with the forced place flood insurance as they received the proof that it was through my HOA, from me, from a XXXX XXXX and even our Management company First Service ) they took two payments immediately ) XX/XX/XXXX {$610.00} and XX/XX/XXXX {$660.00}. Thats $ XXXXsubtract {$2400.00}, that was finally refunded in XX/XX/XXXX and there is still {$3100.00} that they owe me. To make matters worse, then they took {$5000.00} in XX/XX/XXXX, where the XXXX is this money? Im going to report to every other agency as this is criminal and with the economy it is reprehensible. I only owe $ XXXX on my home, I have friends and family that will pay it off if needed, so they dont have a chance of stealing this home, but the XXXX needs to stop. I have spent countless hours of my valuable time reviewing their XXXX. It. They are scamming borrowers and CFPB is just accepting their XXXX excuses? Why?
Consumer complaint received 2023-12-23
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: EQUIFAX, INC. (NC)

I've obtained a copy of my consumer credit report from the three major credit bureaus to check the information reporting to ensure it was accurate according to USC title 15 1681i ( 5 ). 

I've waited 30 days to receive the investigation results which everything was still on reporting exactly the same on my credit report as the previous month. The credit reporting agencies XXXX, Equifax, and XXXX did not modify and/or remove any items on my credit report. 

The primary information being reported incorrectly are the payment histories on my XXXX XXXX XXXX, XXXX XXXX, and XXXX accounts. 

This is a violation of the Fair Credit Reporting Act which is harming me from obtaining funding to further my XXXX XXXX
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX ( Original Creditor : 06 PROGRESSIVE ), has violated my rights. 

XXXX5 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 consent and instructions.

15 U.S.C 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 2024-03-08
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. (IL)

My rights have been violated and I requested immediate remedy through Due Process. Per 15 USC 6802 ( b ) ( c ) I am supposed to receive knowledge of my rights to opt-out of my personal information being disclosed/reported through a 3rd party unaffiliate and then a second notice to instruct me on that process.

Per 15 USC 1666 ( b ) you can not list a payment late on an open account or closed if there is a billing error or unless you can prove with incontrovertible evidence that it was mailed and delivered before 21 days of the due date. No proof has been given or shown and the 3rd party never requested proof to confirm before marking my credit profile with a late payment. Not only did I not receive these said notices and instructions. I also have not received any proof of the damaging action of a late payment. The things that are being reported are affecting my business reputation in a negative way. It is causing me higher interest rates and credit denials. It is also causing immense amounts of stress. Which is also hurting me on an emotional, physical and mental level. If this is not rectified within 30 days I will be left with no choice but to further my elevated stress by pursuing legal action exercising my rights in 15 USC 1692 ( b ) ( d ) ( e ) ( k ). As their choice to not manually perform an investigation and to rely on eOSCAR is also causing further damage. The remedy I currently request is all negative items removed from my credit report immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (NV)

I used my Discover card to purchase a graduation trip for my daughter and myself with a tour company called XXXX XXXX XXXX ; a XXXX XXXX based travel company- Company Number- XXXX ZBN : XXXX, that offered all inclusive, guided tour vacations. I paid for a year for this trip from XX/XX/XXXX until XX/XX/XXXX with 24 payments ( 2 payments of {$120.00} each month charged to my Discover card for my trip fee and my daughter 's trip fee ) over 12 months, for a total of {$3000.00}. 

After delaying travel and forcing customers to reschedule tours ( while still selling additional tours ), XXXX XXXX XXXX closed its door to future trading and declared insolvency as of XX/XX/XXXX. As such, it has left many people, including myself, out of pocket for payments made for future travel with them in XXXX and XXXX. 

Some payments were made before XXXX, but due to the pandemic, initially scheduled trips for XXXX and XXXX were pushed back and rescheduled for travel the following years. After the pandemic, the company continued to cancel trips scheduled and move dates right up until XX/XX/XXXX, when they announced they were closing. This company even sent me an invoice for further travel expenses for my XXXX XXXX trip on XX/XX/XXXX. 

I immediately filed a dispute with Discover after being denied a refund from the travel company. I submitted my documentation which shows that my trip was rescheduled three times, as well as showing that the company refused my refund after having to reschedule the trip the second time. I was denied a refund based on their response that tour guidelines were that there were no refunds... which is ridiculous, as I would have happily taken the trip. I paid those 24 payments in good faith, having no reason to believe the company would cease trading when I made them, and I fully expected to make the trip. If one wanted to be literal about it, I DID meet the return policy criteria and should have been refunded by the company, as I will obviously NOT be able to travel with them, due to XXXX, as they stated. Additionally, the first liquidation report was just released in XX/XX/XXXX, and they state that XXXX XXXX XXXX actually lost millions of it's customers dollars due to trading in cryptocurrency. This is just further proof that this company defrauded customers. 

I escalated the dispute in XXXX of XXXX, and heard nothing back from the company beyond that my dispute was closed and I would not be refunded. I follow a XXXX group solely for customers defrauded by this company and have been aware that MANY complainants have been refunded by their credit card companies and banks. Discover should also act in good faith and refund my money lost to this company. This complaint is my last option to get my {$3000.00} back. Please help! 

XXXX XXXX
Consumer complaint received 2023-07-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Multiple attempts made to contact company since XXXX to notify TransUnion of the unauthorized inquiries as well as credit card ( XXXX XXXXXXXX XXXX  ). These do not belong to me. Find attached FTC ( Identity Theft Report ).
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

Subject : Urgent : Address Dispute and Breach of Personal Information Dear Equifax Dispute Resolution Team, I hope this message finds you well. My name is [ Your Full Name ], and I am reaching out to address a critical matter regarding my personal information that has been breached, compromised, and fraudulently used by a former employee. 

In support of my dispute submission, I have attached the necessary documents through the Equifax web citrix, as per the outlined procedures. Regrettably, I must express my deep dissatisfaction with the lack of fairness and attention my case has received from Equifax. 

The specific concern at hand pertains to the inclusion of an address that is inaccurately listed in my file. This address, a po box , is not only outdated but also fails to reflect my current residence. It is crucial to emphasize that I neither receive mail at this po box nor is it representative of my current address, which I have owned for over 23 years. 

Equifax 's failure to promptly rectify this discrepancy has not only compromised my standing as a consumer but also as a creditor to my estate. Given the urgency of the matter and Equifax 's apparent negligence, I am left with no recourse but to consider legal action if the inaccurate address is not promptly deleted and amended to reflect my accurate and physical residence. 

I trust that Equifax will address this matter with the urgency and seriousness it deserves to avoid further legal implications. 

Thank you for your immediate attention to this pressing issue.
Consumer complaint received 2023-12-24
Product: Credit reporting 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. (MN)

I pulled my consumer report and noticed an unauthorized hard inquiry that I demand be deleted per the FCRA or specifically 15 USC 1681a ( 2 ) ( B ) which is the exclusion section. This is the inquiry I am demanding to be both blocked and deleted as soon as possible from Equifax : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX Not only did the consumer reporting agencies not give permissible purpose according to the FCRA or specifically 15 USC 1681b ( 2 ).
Consumer complaint received 2023-12-23
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2023-12-23
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: EQUIFAX, INC. (FL)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-09
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. (NY)

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 the FEDERAL TRADE COMMISSION 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 that 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, NY, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OK, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ, XXXX
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (TX)

I have PSLF and TEPSLF. I have reached 120 payments and accounts should show as paid in full. My employer certified my most recent months of employment and Mohela only applied 2 months. Mohela didn't apply XXXX and XXXX in an effort to prevent me from reaching 120 payments. They purposely placed me in a forbearance when I didn't check the box to be placed in forbearance. I contacted Mohela and they advised me I was in repayment however the representative provided false information that I was going to receive a letter that i reached 120 payments. I never received said letter and the only letter I received was that I had 118 payments and 2 didn't qualify. This is unfair and unjust because they are not applying the payments. My payments are {$0.00}. lease update my account status to paid in full so my true account status can be reflected.
Consumer complaint received 2023-12-23
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. (GA)

this is a formal complaint in regards to a charged off/ Writing off accounts from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX inaccurately reporting on my credit report, I have filed disputes with XXXX, XXXX and Equifax and they failed to resolve the matter, ACCORDING to15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law.

15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to t
he purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures.
Consumer complaint received 2023-04-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I recently have been involved in identity theft where checking accounts have been opened under my name WITHOUT MY KNOWLEDGE with Bank of America. I have already spoken to numerous people at the institution within the fraud department, I have locked my SSN number, I have completed affadavits, and still accounts are being opened. I have reported this with the Federal Trade Comission as well.
Consumer complaint received 2023-12-23
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: EQUIFAX, INC. (NY)

I submitted a letter to the XXXX Credit Bureaus last XX/XX/2023, to removed this suspicious information. I think you have not blocked these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX Balance : {$2700.00} ; XXXX  XXXX Balance : {$1600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX CO XXXX XXXX Balance : {$2700.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2100.00} ; XXXX XXXX XXXX XX/XX/2023.
Consumer complaint received 2022-12-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Reliant Capital Solutions, LLC (OH)

My school sent my account to a collection agency reliant capital and they have the wrong information about my due balance. Now I have cleared my balance and paid all my dept to my school and they still refuse to release it and asking me for paying XXXX $ collection fees which is almost half of what I owed to my school. 

Notice that I have no agreement with my school nor any agency to pay any collection fees as the dept is already paid and cleared out.