davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-21
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: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # 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 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 2022-12-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-12-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (PA)

First, I searched the telephone number for Mohela and due to the difficulty to contact them, I try the number XXXX that appears to be from Mohela. The assistant answering the phone had a XXXX accent and provided me with her name and her Id number. Unfortunately, i was not able to copy her name and the apparent ID number, because i was driving ; she ask me first the account number which I did not have and she told me that with the social security number she will retrieve it. So, I did provided to her, she started asking me for my salary and the name of my employer, I told her that I had received a letter from Mohella like two months ago which I was not so clear how much it was my loan debt. The letter was sent to me because I applied for the alignment Forbearance for my loan due to the XXXX. She told me that there were different programs that she could help me to rid of my loan and that I had to do it soon as possible due to the period of to do it is at the end of XXXX. The she told me that I had two options, the first one to pay a total of {$690.00} and the second to pay it in two payments. I told her that my debt was about XXXX and what will happen with the rest of my debt then she told me that once I was able to pay one of the two options, every month i will receive a statement of XXXX dollars, so i did not have to pay anything else. Finally, in order to start the process, she asked me my driver license number which I truly believed that I was talking to a real representative from Mohela, also she asked me for two reference persons which I provided their telephone numbers and their names. What really make have some doubt was when she asked me again how I was going to make the payment, she suggested me credit card. I know that usually government agencies for these purposes never ask payments with credit cards. So, I decided to lie her that I do not have any credit card with me, then I told he that I was going to call her in XXXX hours because I have to reach my home first. Therefore, around XXXXXXXX XXXX. she called with apparently her personal phone number ( XXXX ) which make feel more suspicious about the lady because usually this are not working hours for a government agency. I did not answer, and I decided to call from the number that appear on the letter I received from Mohela and luckily, I was able to talk to a XXXX representative and I was able to explain the situation about the possibility of a fraud and who provided me with all the information where I could request my inquiries.
Consumer complaint received 2022-12-10
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. (CA)

I opened a dispute XXXX asking CFPB to remove two accounts which are XXXX XXXX XXXX XXXX XXXX. I also asked that the XXXX XXXX be updated to paid as agreed since it shows inaccurately reported late payment on three separate months. 

Today when I called XXXX I was alerted the account was permanently closed due to fraud being reported on account. PLEASE FIX MY ACCOUNT! I had account for 1 year, 4 months with one discrepancy I was asking to be fixed not for the account to be closed. This is disheartening because I value my accounts and this decision was completely adverse to my intentions on getting assistance with this account.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Ive written multiple letters to the credit bureaus ( XXXX, TRANSUNION, XXXX ) pleading with them to be removed. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. 
Since then I received a copy of my credit report on XX/XX/23 and found TRANSUNION, XXXX and XXXX Still have FAILED to do so. I've contacted the credit bureaus about this and still no respond. I have submitted F.T.C Police report STILL no response. I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately reinvestigated. These inaccuracies are highly injurious to my credit rating. 

Sincerely yours, XXXX XXXX XXXX
Consumer complaint received 2022-10-21
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. (IL)

I have been requesting that any information on my credit report be verified by the collection agency that has placed the collection on my credit report. 
This collection of {$760.00} has been on my report through a collection agency name XXXX. I sent request to all XXXX bureaus, and it was removed because it was not verified. Now 2 years later, A new collection agency XXXX XXXX XXXX  has put this collection on my credit report. I have written all XXXX credit bureaus again XXXX removed it, but Transunion and XXXX have not removed it. I informed them that any automated response, or e-oscar verification is unacceptable. 
I have requested that they provide me with the description of the procedure used to determine the accuracy and completeness of the information is hereby requested Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. They have not complied with the request.
Consumer complaint received 2024-03-06
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. (NY)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-09-21
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. (WA)

To whom it may Concern, Your company is in clear violation of Federal Law. According to 15 U.S.C 1681a ( d ) ( 2 ) ( i ) A consumer report does not include a report containing information solely as to transactions or experiences between the consumer and the person making the report. My consumer report containing credit Utilization and a credit balance are transactions and experiences. Delete the credit Utilization and a credit balance from the follow accounts immediately. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX Failure to do so within 10 days will result in me seeking relief to be granted in my favor against your company and damages sustained by me in the amount of {$10000.00}.
Consumer complaint received 2024-03-26
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-09-21
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: Experian Information Solutions Inc. (MO)

I appreciate the immediate action done by the Credit Bureaus to remove some of the fraudulent accounts and information that have been reported on my Credit file. However, I noticed that there are still fraudulent accounts and information that are reporting on my Credit file. I have read that under the Fair Credit reporting Act section 605b, the Credit reporting Agencies are required to remove any accounts and information that resulted due to identity theft. However, the Credit Bureaus are still reporting the disputed accounts without properly verifying the disputed accounts. I am submitting this account to request the Credit Reporting Agencies to remove the disputed accounts and information that are still reporting on my XXXX XXXX. Please remove the following items : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX B XXXX XXXX  XXXX, MO XXXX XXXX  XXXX XXXX Owed : {$55000.00} XXXX & XXXX XXXX Original XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX {$1200.00} DP OF EDUC XXXX Balance Owed : {$4900.00} DP OF EDUC XXXX Balance Owed : {$2400.00} DP OF EDUC XXXX Balance Owed : {$3700.00} DP OF EDUC XXXX Balance Owed : {$7400.00} DP OF EDUC XXXX Balance Owed : {$3500.00} XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022
Consumer complaint received 2023-04-25
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (GA)

I have been trying to remove some fraudulent items off my credit, but all the credit bureaus are duing is calling the origianl credit to confirm the fraud with absolutely no resolutions. 

XXXX and JPMC is reporting on my credit a credit card each with a credit limit of {$500.00}, yet my balance is {$15000.00}. How in the world can someone allow a customer to over their credit limit by {$14000.00} and try to come after me for the debt? 

Secondly, I have a court ordered to seal a payment balance to an apartment complex. The creditor paid has merge and have since sold the debt and now the new company is refusing to remove the debt and further, the credit bureaus are not helping even with the court odered. 

Lastly, I worked for a company that filed for bankgruptcy. Although I was a XXXX XXXX  XXXX, XXXX is claiming there are not showing any bankruptcy on my info, however, XXXX and XXXX are still reporting it stating I need to have XXXX to update their profile. 

I feel these credit bureaus are simply a datewarehouse with no back bones. They are claiming everything is internal and that I can dispute, however, we as the consumer have to constantly wait 30 days on the same nonesense. 

I need CFPB to provide me an immediate response, letter of intent or rationalization for why my constituational rights for barrowing and or purchasing can be in the hands of 3 privately held company that has nothing to do with the information they are providing. 

Thanks.
Consumer complaint received 2023-07-24
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: EQUIFAX, INC. (TX)

n accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX Account name XXXX 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
Consumer complaint received 2024-06-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (WI)

On XX/XX/XXXX my loans were transferred from nelnet to XXXX. Later in XXXX of XXXX I requested from nelnet a full refund of payments made during the COVID payment pause. In XXXX of XXXX nelnet told me I needed to contact XXXX for the refund, since they were now my servicer. I did so and did, indeed, request the refund of {$7400.00}. After a good deal of back and forth mostly over the phone, I filed a complaint with the Consumer Financial Protection Bureau on XX/XX/XXXX. A few weeks later I was informed that the refund was being issued. However, when I finally saw the amount, I saw that they were only issuing me part of the {$7400.00} I had requested and was owed. 

That partial total was {$3800.00}, leaving a balance of {$3500.00}. After trying to follow up via phone, on XX/XX/XXXX I filed another complaint with the Consumer Financial Protection Bureau. After waiting another handful of weeks. I received their response : " XXXX has reviewed your complaint made with the Consumer Financial Protection Bureau ( CFPB ) regarding the processing of your request for a refund of payments made within the Covid-19 administrative forbearance period. Our records indicate that all refunds of payments made within the Covid-19 administrative forbearance have been processed for loans serviced by XXXX, and that a check in the amount of {$3800.00} dated XX/XX/XXXX was issued on or shortly after this date via mail from the U.S. Department of Treasury . Per information reported to the National Student Loan Data System ( NSLDS ), additional payments were applied within the Covid-19 administrative forbearance to an Direct Unsubsidized Stafford loan disbursed XX/XX/XXXX, which reflects as paid in full as of XX/XX/XXXX. This loan is currently serviced by Nelnet. Please note that XXXX is only able to provide a refund of payments made to loans serviced by XXXX. To discuss your eligibility for a refund of a payment applied to this paid in full loan, please contact its servicer, Nelnet. If you did not receive these funds, or if you have any other questions or concerns, please don't hesitate to contact a member of our Customer Advocacy Team at XXXX from XXXX to XXXX Mondays, XXXX to XXXX Tuesdays and Wednesdays, or XXXX to XXXX Thursdays and Fridays, Central Standard Time. You can also visit XXXX. Sincerely, XXXX '' I have followed up multiple times with Nelnet. Nelnet points me to XXXX. I have direct correspondence with XXXX 's Ombudsman team now, as well. They send me the same message, that I need to talk with Nelnet. No one wants to help me.
Consumer complaint received 2022-09-20
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. (CO)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # 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
Consumer complaint received 2022-09-20
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. (FL)

well I have inquiries on my credit report that do not belong to me, there are 11 inquiries, I have false names and addresses that do not belong to me as well as collections, I have called and disputed online, but it is very difficult because they do not know my right to dispute even my real name, telling me that the process went wrong and that it is 30 days, on the other hand that affects me having so much fraudulent information in my credit report
Consumer complaint received 2021-01-09
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. (GA)

I reported two different credit card accounts to three major credit reporting agencies as fraudulent accounts. The statement was made, because I was not the person who is responsible for applying for these accounts.

I have never applied nor used these accounts for my self benefit.

My simple request was to remove these false accounts ' information from my credit report and a police report and FTC identity theft report were submitted to all three credit bureaus.

Even though I made an attempt to make the proper correction on my credit report, the credit reporting agencies are continuing to post these false accounts on my credit report. Also, the creditors who had issued fraudulent accounts on my name have not validated or verified the accounts to be mine.

I believe that the credit reporting agencies and the creditors are in violation of FCRA and FDCPA for reporting false accounts on my credit report and attempting to collect the debt without proper validation and verification process.
Consumer complaint received 2023-09-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC (CA)

Previous Mortgage Company : United Wholesale Mortgage ( UMW ) As of XX/XX/XXXX, UMW adjusted my mortgage payment from {$3400.00} to {$2900.00} stating we were overpaying into our escrow account. They sent us a check on in XX/XX/XXXXXXXX  for the amount of {$10000.00} stating we are due the amount because escrow overage. I'm unsure of how they conduct their year escrow analysis projection and when they received the property tax notice, but for the periods of XX/XX/XXXXXXXX  - XX/XX/XXXXXXXX  my property tax went up from {$2200.00} to {$720000.00}. Due to the drastic change in property value our escrow should've went up. However UMW did not notified us of the changes or that escrow account was in the negative. Appearently they were paying the difference on our behalf instead of notifying us and readjusting our mortgage to reflect new property value amount. Concurrently in XX/XX/XXXX, they sold our mortgage loan to XXXX XXXX XXXX XXXX. They even sold our mortgage to the new company with a a negative short escrow account. 

Current Mortgage Company : XXXX XXXX XXXX XXXX  XX/XX/XXXX, the new mortgage company XXXX XXXX XXXX XXXX  notified us about the changes to our mortgage payment from {$2900.00} to {$4100.00}. Stating it was due to our negative escrow shortage of {$3500.00}. On top of the escrow shortage, I have to pay the new projected escrow amount of {$8400.00}. In doing so, my mortgage went up by {$1100.00}. Upon talking to the representative from XXXX XXXX XXXX XXXX  that when I realized what happened to my mortgage and escrow account with UMW. 

After contacting XXXX XXXX XXXX XXXX, I contact UMW to get a copy of our escrow transactions and review my previous mortgage statements. I now see when these negative balance have occur but when were they going to notified me of these changes. It was not until a year later with new mortgage I was notified of the negative escrow balance and changes.
Consumer complaint received 2022-09-20
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. (NJ)

In accordance with the Fair Credit Reporting Act my rights have been violated as a consumer Pursuant to USC 15 1681a

( 1 ) Congress makes it clear that the banking system is dependent on accurate and fair consumer file reporting. My file is in fact not accurate nor fair. Without consulting with me first, your company received false information from alleged creditors and debt collectors and furnished my consumer report before confirming if such information is valid. This is indeed unfair credit reporting.

It is the purpose of the subchapter USC! 5 1681 ( a ) ( b ) that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit in which a manor that is fair and equitable to the consumer. This information is not relevant, fair, or accurate and was improperly used. There were no reasonable procedures meet I wasnt even contacted about this manner.

In addition based upon USC 15 1681 ( c ) ( 2 ) 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 no later than 4 business days after the date of receipt. It has been beyond 30 days and I would like this false information removed because it is inaccurate and causing financial damages. 

This does not comply with the subchapters of the FCRA ( Fair Credit Reporting Act ) and if you do not remove these inaccurate accounts I will have my information removed from your database and no longer do business with any financial institutions that uses your company to receive my information.