davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-08
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. (TX)

FCRA violations : not my addresses XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX  XXXX CT XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX  XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX Resident type Single family FCRA violations : accounts not mine XXXX  XXXX XXXX negative Date opened XX/XX/XXXX Balance {$380.00} Status Collection account. {$380.00}
Consumer complaint received 2017-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX   XXXX   XXXX   XXXX  continues to report inaccurate information on my credit report. I faxed them the information several times to have items corrected and have done nothing. I currently have  XXXX  accounts reporting without an account number.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NV)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-09-08
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. (MI)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete for Violation 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXXXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXXXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

6. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT
Consumer complaint received 2023-09-08
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. (NJ)

in accordance with the Fair Credit Reporting Act XXXX XXXX Account 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 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-09-08
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. (LA)

I never had a account with this company. Never applied for anything. Now they saying I had an account back in XXXX. I never applied for this account either. I didn't even notice it on my report because it is closed. I need both of these account removed from my report immediately as this was never me. Every time I call its a different story. The very first time I contacted them they sated I did not have an account with they after taking my information. 

XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-09-08
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. (MI)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report 2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete for Violation 3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 6. The following personal information is incorrect Account Number : XXXX : XXXX XXXX
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-08
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. (GA)

I mailed in the IRS forms for the 1096, and 1099C to the IRS as taxable income for this year, ( 2023 ). Therefore, both accounts for the XXXX  XXXX, XXXX, and XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, must cancel the debt ASAP, by deleting the accounts from all credit bureaus that were reported to. 

Per the IRS, tax topic No. 431, of Cancellation of Debt How long does a creditor have to send a 1099-C?

Form 1099-C is a federal tax form required by the IRS. Lenders and other creditors must submit a copy to the agency and to taxpayers whenever they cancel or forgive a debt worth {$600.00} or more. Forms must be sent to taxpayers by XXXX XXXX. 

Is a creditor required to send a 1099-C?

If a debt is owned ( or treated as owned for federal income tax purposes ) by more than one creditor, each creditor that is described under Who Must File, earlier, must issue a Form 1099-C if that creditor 's part of the canceled debt is {$600.00} or more.

What happens if I don't report 1099c?

If you don't report the taxable amount of the canceled debt, the IRS may send you a notice proposing to assess additional tax and may audit your tax return. In addition, the IRS may assess extra tax, penalties, and interest. XX/XX/XXXX Tax Topic No. 431, Canceled Debt It is my responsibility to report the correct taxable amount of canceled debt as income on your tax return for the year in which the cancellation occurred remains, regardless of the accuracy of the Form 1099-C you received.
Consumer complaint received 2023-09-08
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)

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Consumer complaint received 2021-05-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (AZ)

I have made payments of {$1000.00} per month since 2010, while working for qualified employers. I have made PREPAYMENTS on my loans, and my payments were {$100.00} more than what I was required to pay. Fedloan Servicing alleges that 139 payments made in 11 years were ineligible without providing me any specific information as to how my payments were ineligible. I have asked for the dates of my payments, the amount of payment they allege I was supposed to pay, what payment plan they allege I was supposed to be on, and how they credit or did not credit my account. My loans should have been forgiven last year under the PSLF program or the TEPSLF program. My payments were made ahead of time and above the amount required. I want a DETAILED response explaining why they have not credited my 139 payments ( only 120 are needed )
Consumer complaint received 2024-03-12
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: Experian Information Solutions Inc. (GA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within XXXX  days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over XXXX  days old.
Consumer complaint received 2021-05-11
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: EQUIFAX, INC. (NC)

I have received a copy of my credit report and it shows company XXXX XXXX XXXX : XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$200.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2023-07-08
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. (NY)

I am a victim of identity theft!! I have file multiple Affidavit with FTC. I've contacted all three credit bureaus in reference to this! I've sent written documentation file disputes submitted proof! OVER 30 DAYS AGO! the accounts are unauthorized remove off of my credit report immediately or I will file a lawsuit!!
Consumer complaint received 2023-09-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (FL)

My loan was transferred on XX/XX/2023 from XXXX XXXX to XXXX XXXX  XXXX. XXXX XXXX XXXX received a transfer of the escrow funds sent by my insurance company ( XXXX ) of approx XXXX to complete repairs to my property. 
XXXX insurance claims. 
XXXX. ) XXXX XXXX. ) XXXX They never released the funds to me to pay the contractors. 
For months I have called them continuously as well as the contractor and provided what they asked for. My roofer contacted them on several ocassions as well about the {$2900.00} to initiate the replacement of the roof which has become a health hazard for us due to mold. 
Multiple times ( 6 on my side ) they assured me and ( the roofer that they were releasing the funds and sending me a check but never did. Everytime I called they had no recollection of the previous call. Or had a different excuse. 
On XX/XX/XXXX I spoke to the escalation department and the lady told me that they were sending XXXX of the XXXX check to me ( after a 30min agitated conversation ) Again, the check was still withheld. Never sent as promised. The roof has been leaking even though hurricanes since XXXX. 

I called back again, XX/XX/XXXX. Apparently they changed their name to XXXX XXXX instead of XXXX XXXX XXXX and now one department tells me they have my loan but the department of loss mitigation that has the escrow disbursement tells me that they dont have my loan or the funds and it was sent back to my original lender, which was XXXX XXXX XXXX 
I called XXXX XXXX. They do not have my loan. So again I am being lied to by XXXX XXXX and they are refusing to now acknowledge they have and further release the funds. This is the embodiment of unfair acts, deceptive practices, as well as organizational deceptive teaching. 
Please help.
Consumer complaint received 2023-09-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (VA)

On XXXX XX/XX/XXXX, MOHELA recalculated my monthly Income Driven Repayment ( IDR ) on the REPAYE plan from {$140.00} to {$680.00}. There was no meaningful change in family status or income. This is an increase of {$530.00} per month. 

I did not request this change, nor was my IDR re-certification due until XX/XX/XXXX. MOHELA did not notify me of this change and could not provide a way to restore my {$520.00} payment amount without waiting to recertify my income. 

MOHELA was unable to restore my old IDR plan, nor give a rationale of increase. 

MOHELA also continues to display a $ 0 monthly payment on my credit report even though I am in repayment. This impacts my ability to obtain a mortgage.
Consumer complaint received 2023-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

I signed up for a credit card with Citi. The card has an annual fee. 

The bank never sent my credit card. But the annual fee was still charged and a late fee assessed. 

Because I never received the card, I assumed the account was never opened. 

I've contacted Citi and have spent 90 minutes in customer support XXXX. I'm trying to close my account. The agent refuses to let me close the account. They continually try to upsell me.
Consumer complaint received 2023-06-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (GA)

I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was recently scammed by a dance company I purchased a uniform for with different payments for different parts of the uniform. Because of this I called to dispute the parts of the uniforms and the transactions with Chase. The amounts were ranged between XXXX XXXXXXXX {$400.00}. I woke up one morning, on the XXXX XXXX XXXX and my account wouldnt let me transfer. I called and theyd said the claims department told them to close my account, there was no warning, or any call to inquire about my claims! Just closing. I have money {$62.00}, and {$160.00} stuck in my checking and savings account. It has been 4 days and I havent received an update about the closure of my account or my money! This is unfair as I used this account for my business, XXXX XXXX XXXX XXXX XXXX XXXX. I am also a XXXX XXXX  who doesnt have the means to keep opening accounts. This needs to be fixed, as Ive done nothing wrong!
Consumer complaint received 2023-09-08
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC (GA)

I purchased a vehicle from US Auto sales and did not know that they were going bankrupt. Before they went bankrupt we set another agreement about my payment for my vehicle which was supposed to be once a month. But now that they have went bankrupt, I am paying money to a debt collection agency by the name of West lake portfolio management and they are trying to go outside of my contract. Trying to make me pay my card note more than what the contract was that I signed with US Auto. They are trying to tell me that my car is up for repossession and they are saying that I owe {$800.00} which is way more money than I owe and I have been trying to get this figured out with them for quite some time now. But as I stated before they refuse to communicate with me. I contacted legal services which is where I got the information to contact this company because they said they also have had multiple people come to them with the same issue and they have had their lawyers contact them and they have not responded to them as well.
Consumer complaint received 2021-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: U.S. BANCORP (NJ)

XXXX XXXX ( US BANK ) ACCOUNT ENDING XXXX - COMPANY HAS DECREASED CREDIT LIMIT TWICE IN THE SPAN OF 18 MONTHS - I WILL ACKNOWLEDGE THAT MOST RECENT CASE ( XX/XX/XXXX ) IS LESS DISPUTABLE AS I MADE PARTIAL PAYMENT ON TOTAL AMOUNT DUE - I HAD PREVIOUSLY INQUIRED ABOUT PROMOTIONAL RATES OR PAYMENT ASSITANCE DUE TO FINANCIAL DIFFCULTY DURING THE PANDEMIC - THE FIRST TIME THE LIMIT WAS DECREASED ( XX/XX/XXXX ) I WAS ONE DAY LATE AND IMMEDIATELY MADE PAYMENT WHEN I REALIZED IT HAD NOT BEEN SCHEDULED. I TRIED TO RESOLVE THE MATTER WITH CUSTOMER SERVICE BUT THEY ONLY SUGGESTED TO KEEP MAKING ON TIME PAYMENTS AND THE ACCOUNT WOULD BE REVIEWED AS OFTEN AS SIX MONTHS. 18 MONTHS LATER AND DESPITE ON TIME PAYMENTS, NO CHANGES OCCURED - I REACHED THE UNDERWRITING DEPARTMENT BY WAY OF CUSTOMER SERVICE XX/XX/XXXX BUT NO CHANGES WERE MADE. UNDERWRITING EMPHASIZED IT WAS US BANK POLICY TO DETERMINE THE CREDIT LIMIT BASED ON PAYMENT HISTORY AND TOTAL CREDIT, YET MY CREDIT IS VERY GOOD AND MY PAYMENT HISTORY FOR EVERY CARD IS STELLAR, AND EVEN THE COUPLE OF INSTANCES OF LATE PAYMENT ON OTHER ACCOUNTS DID NOT RESULT IN DECREASED LIMITS
Consumer complaint received 2023-06-18
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: NAVY FEDERAL CREDIT UNION (OH)

I submitted verified and proper documents ( to NAVY FEDERAL CREDIT UNION ) fraud dept. The financial system my personal information is include into is a system i have no control of who can hget access to at any given point ( Black web, Data Breaches, and online credit card fraud just some examples ). So these issues alone by law ( FCRA act ) .constitutes that i should be by law made back whole before identity frraud occured. 

The documents submitted via IRS Form : 14039 identitty affidavit/ Nototrized Affidavit of identity FTC report # XXXX Copy of Data Breaches confirmation letter from XXXX and XXXX
Consumer complaint received 2021-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (IL)

On XX/XX/2021, Chime Bank has blocked my checking account and credit builder account and I don't have access to my money. All my payments from the Illinois Unemployment Benefits are being frozen by Chime. I am 7 days late with rent payment because of Chime. I called Chime many times, and I sent them e-mails, and none of my emails have been answered yet. In addition, today is my due date for my XXXX XXXX credit card payment, otherwise they will report missed payment to the credit bureaus and my credit score will down. They are basically ruing my life with this. 

I expect access to my money as soon as possible before I get evicted.
Consumer complaint received 2023-09-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (KS)

I am supposed to be in loan deferrment but anytime I try and contact them I cant get anyone and emailing gets a full mailbox response repeatedly. They are demanding that I pay my loan but I am in school and shouldve gotten auto deferment. I also have no job so where am I going to get money to pay a XXXX loan?? I sent emails to the link provided and was told it is a tech line. Seriously? This company is ridiculous to try and work with. Defer my loans!!!!!!!!