davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-13
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: EQUIFAX, INC. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or UPDATE all information which can not be verified.

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), 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 creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened XX/XX/2017 Balance {$0.00} or XXXX XXXXXXXX Date opened XX/XX/2017 Balance {$360000.00}.
Consumer complaint received 2024-01-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (TX)

I had been waiting for my loans to transfer from my previous provider XXXX to MOHELA, and on XX/XX/XXXX at XXXXXXXX XXXX received a welcome email from MOHELA with information regarding an on-boarding process, providing me with my account number to begin my online footprint with them as my new loan servicer. An hour later at XXXX XXXX that same day, I received an email again from MOHELA telling me I was PAST DUE on my account. I hadn't even formed a username and password with them, as I hadn't opened my email that morning until XXXXXXXX XXXX... I had made my payments for the previous months with XXXX so there shouldn't have been any outstanding balances, and MOHELA didn't have any records showing what the 'PAST DUE " balances were from as I have no history with them. When I tried to call, their phone lines and website had red flag notices declaring 'long wait times for calls due to unexpected call-volume ' so after several hours, I was not able to get through. XX/XX/2024 was the first payment due date with MOHELA and their offices were closed due to the holiday. I was not able to get in contact with them due to their high caller volume, and I want to remain in good standing with my payments, so I felt I had no choice but to pay the balance which included the suspicious 'PAST DUE " amount. I still have not been able to reach MOHELA.
Consumer complaint received 2017-03-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (IN)

Have been attempting to transition my student loans which are under the Federal Loan Forgiveness Program transitioned to a different Income Based Repayment Plan since XX/XX/XXXX. Since then they have been charging greater than the discretionary 10 % of income set by the federal government, persistently not processing my application, and continually showing my account past due. Thus in order to protect my credit I persistently call and continue to make payments. I 've been keeping records of phone calls over the past couple of months with employee names and ID # 's. At this point seems they are not willing to transition my loans to the desired Income Based Repayment Plan, which I thought was against the law as these are federal loans? This has now placed XXXX, XXXX, and negatively affecting not only my credit but my ability to provide for my family as we transition from one state to the next for my upcoming XXXX in XXXX. I desire to pay my loans! I desire to pay them off early! Though in the meantime I need a loan provider who is not going to charge me more than the federally allotted discretionary income of 10 % and be willing to transition my loans into a qualified repayment plan as I desire. 

This complaint, written on XX/XX/XXXX at XXXX Eastern time zone, is being filed with todays documented conversation with Fedloan Servicing.
Consumer complaint received 2023-05-26
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PORTFOLIO XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This is my 3rd request that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$17000.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$76.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$390.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-07-17
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. (CA)

Equifax currently is reporting an account which is "   XXXX   '' or " Company unknown '' on my credit report as open and pays as agreed. This account belongs to "   XXXX   '' and it is included in bankruptcy and has been since  XXXX / XXXX /2013. However, the account says I am 120 days plus past due.
Consumer complaint received 2022-12-06
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: Experian Information Solutions Inc. (IL)

I've previously disputed that this Bankruptcy account from the US bankruptcy court XXXX XXXX IL is reporting inaccurately and should be removed from my credit report. You guys claimed that it was verified, which is odd because I've checked with the US bankruptcy court XXXX XXXX XXXX IL and they have told me that they don't report to any credit Bureaus. I then told XXXXXXXX XXXX  that they were reporting this bankruptcy inaccurately and they deleted this account from my credit report immediately. So again I'm confused on how you verified this account if the furnisher you have reporting says they don't even report to you guys and XXXX XXXX deleted the whole bankruptcy from my consumer report. Yall have committed fraud against me and if you do not decide to delete this account from my credit report after receiving this complaint you will be violating 15 USC 1681n for negligent compliance and I will have no choice, but to take you to small claims court to take legal action against you as a federally protectedconsumer.
Consumer complaint received 2022-12-13
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: EQUIFAX, INC. (MO)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2023-09-29
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. (NJ)

I am requesting again in regards to the inaccurate and unknown account on my credit report. There are multiple errors shown in my report. Please verify that this account is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this account and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-28
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. (NJ)

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 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 2024-03-11
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. (LA)

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 XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account XXXX : XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 2023-07-28
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. (IA)

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 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 2022-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (NC)

In accordance with the fair credit Reporting act Discover Bank partial account # XXXX, has violated my rights.15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.15 USC 16666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-12-12
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. (TX)

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 XXXX usc XXXX. 
Account Name : XXXX XXXX XXXX XXXX XXXX  XXXX acct # XXXX XXXXXXXX XXXX  ( acct # 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 Account XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX ( XXXX XXXX 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 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 XXXX years. 
15U.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 2022-12-12
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. (IA)

FCRA 605B ( 15 U.S.C. 1681c-2 ) states, A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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. 

This consumer reporting agency has not complied with the federal law, and therefore are in violation of the federal law.
Consumer complaint received 2024-01-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (FL)

I hold a mortgage with Freedom Mortgage. In XXXX, my scrow payments amounted to {$6000.00}, and in XXXX, they increased to {$7200.00}. However, in XXXX, there was an unexpected and significant hike in my escrow payments, soaring to {$22000.00}, which is an alarming 400 % increase from the previous year. Despite my efforts in requesting a re-evaluation of this surge, the escrow was further raised. 

I have been informed of a supposed deficiency in my escrow account and acknowledge that taxes and insurance costs may fluctuate. Nevertheless, the rationale behind such a steep 400 % increment in escrow remains unclear, as the explanations provided are inadequate and unsatisfactory. 

Regrettably, my attempts to seek a resolution or to engage with a supervisor for further assistance have been unsuccessful. The only solution presented to me is to comply with and absorb this substantial 400 % increase in payments, a proposition that is both unreasonable and financially burdensome.
Consumer complaint received 2024-01-02
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (NJ)

I have contracted a no interest if paid in full loan to pay an XXXX unit from XXXX through Wells Fargo. I have inadvertently missed the paid in full due date by a few weeks and am now being charged XXXX $ Interest for an initial loan of XXXXXXXX XXXX ( contracted XX/XX/XXXX ). When I realized that the interest has been charged ( XX/XX/XXXX ) I called Wells Fargo customer service and offered to payback the loan but the bank did not offer any solution ( there was less than XXXXXXXX XXXX left to pay on the loan at the time of the promotion deadline on XX/XX/XXXX. I would like to complain as it does not make sense that, while I have never missed a payment and with only XXXXXXXX XXXX left on the balance, I now have to pay an additional XXXXXXXX XXXX  on that loan. This is abusive. Also, how is it that the payment schedule agreed at the beginning does not allow me to pay in full before the expiration of the promotion period? This seems to be designed to have customers missed the deadline.
Consumer complaint received 2022-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I've previously disputed that this Bankruptcy account from the XXXX XXXX  XXXX XXXX XXXX IL is reporting inaccurately and should be removed from my credit report. You guys claimed that it was verified, which is odd because I've checked with the XXXX XXXX  XXXX XXXX XXXX XXXX IL and they have told me that they don't report to any credit Bureaus. I then told XXXX XXXX that they were reporting this bankruptcy inaccurately and they deleted this account from my credit report immediately. So again I'm confused on how you verified this account if the furnisher you have reporting says they don't even report to you guys and XXXX XXXX deleted the whole bankruptcy from my consumer report. Yall have committed fraud against me and if you do not decide to delete this account from my credit report after receiving this complaint you will be violating 15 USC 1681n for negligent compliance and I will have no choice, but to take you to small claims court to take legal action against you as a federally protectedconsumer.
Consumer complaint received 2024-03-11
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. (SC)

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 XXXX XXXX Account XXXX Account Name : XXXX  XXXX Account XXXX has violated my rights. Or a list of inquiries : 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.