davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-06
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. (GA)

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I am writing to dispute certain mistakes and errors present on my credit report. I have carefully reviewed the information contained in my credit report obtained from your agency, and it contains inaccurate and misleading information. 

I kindly request that you initiate an investigation into the following disputed items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IL)

I've contacted XXXX XXXX XXXX  4 times regarding a late payment reporting on my credit report for the month of XX/XX/XXXX  via mail and by phone. I've explained to the company the reason for my late payment due to hospitalization for XXXX which cause me to submit my payment late for that month. Prior to XX/XX/2022 and after up until now I have had excellent payment history and am a loyal XXXX XXXX XXXX  customer. I have proof of my hospitalization and I feel my concern isn't being taken into proper consideration. I don't want to close my account with XXXX XXXX XXXX  but I will if they can't accommodate my request.
Consumer complaint received 2023-10-05
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. (GA)

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

Account Name : XXXX Account Number: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 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I am writing to bring to your attention a critical matter concerning the inaccurate reporting of late payments on my credit accounts. This letter serves as an official notice of your non-compliance or negligence with the Fair Credit Reporting Act ( FCRA ) and outlines the corrective actions required to rectify this issue promptly. I've addressed this in prior letters to no avail. The reported late payment information does not accurately and completely reflect my payment history.
Consumer complaint received 2023-10-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C. (WI)

I have sent letter of debt validation on XXXX. No response was given.

I have sent multiple request to the credit bureaus for the past 1 year to validate the debt and they have not presented any proof. I am also submitting a complaint on all 3 bureaus as well. 


Dates Submitted : XXXX XXXX XXXX Nothing has been done about this. 

I haven sent another one today XXXX notifying them of the complaint.
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

PennyMac reported my Mortgage Late for three months and it was only late for two months. They paid the wrong Home Owners Insurance Company so my homeowners insurance was not active prior to XXXX XXXX XXXX. They are always reporting the wrong amount on my statements and on the credit bureaus and my XXXX  Score went down over 50 points because of their reporting the wrong information.
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. (MA)

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022
Consumer complaint received 2023-06-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XXXX XXXX sent the Bank of America for a credit of XXXX $ to my credi card. I THAN WANED THE BANK TO send the credit to my money savings account. In stead they sent my money to someone else. They have not fixed this as of today.We want our XXXX $ back.
Consumer complaint received 2023-10-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (RI)

I am in the midst of dealing with setting up my IDR plan to reflect my true earnings, as my current plan is reflecting income no longer received that was taxed in XXXX, but earned in XXXX. This is compounded by the fact that my child support was doubled this year in XXXX, despite having a split custody/shared placement arrangement. Needless to say, this has resulted in a further reduction of income, which I have been contending with as I struggle to also arrange payment to the IRS for a large tax bill, also due to the previous year 's earning from XXXX. 

I NEED ASSISTANCE FROM THE LOAN SERVICER. I have contacted FSA and made another change request to the IDR plan that was on file, as I am not able to make the payment as listed on Nelnet, and I have not been able to get through to them.

I was provided with an update from FSA that the change would be reflected in up to XXXX weeks with additional correspondence from the servicer. I have attempted to reach out to Nelnet several times last month in XXXX, and now a few times in XXXX. Each time I am put on an incredibly long hold, never to speak with an advisor or agent, despite being given a " XXXX minute wait hold. '' This is absolutely unacceptable and quite frankly a little ridiculous. Until I am able to review my payment plan and submit my updated income information, which I have been attempting to do since XXXX, I refuse to make any payments.
Consumer complaint received 2022-12-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (FL)

Being a recent XXXX  at age XXXX, I responded to a XXXX  notice of payment. I was told I was being hacked and to call my bank, XXXX  XXXX XXXX. I called the number on the back of the debit card and asked for the fraud department.The fraud investigator that someone at my branch had sold my identity and not to trust anyone there. I was also told that telling anyone about this would put my children at risk since the hackers knew everything about us and where my grandchildren went to school. My computers and phone were hacked. Without my authorization, they emptied {$250000.00} from American Express XXXX XXXX XXXX, XXXX XXXX XXXX for {$250000.00} and XXXX XXXX  for {$100000.00}. I have been with American Express for over 20 years and NEVER have taken any money out of that account. The hackers created a new link to a different bank ( XXXX ). All deposits were always done by a linked XXXX  XXXX XXXX account. I was never notified that there was any large activity in my account. The " investigation '' ( without considering a XXXX year history ), found no wrongdoing. The hackers also created an account in my name at XXXX  XXXX XXXX where they siphoned funds from my linked bank accounts to their account. I wasn't notified that a new account was created. I contend that XXXX  XXXX XXXX is culpable in additional activity that came to another {$450000.00}. I have indicated to these banks that I have a police report, FTC number, FBI report, and I have even met with the XXXX XXXX. I am disheartened that an institution such as American Express did not thoroughly investigate the withdrawal of {$250000.00} in a matter of days.
Consumer complaint received 2023-10-05
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. (AZ)

In XXXX  I filed for bankruptcy and included a XXXX XXXX XXXXXXXX credit card account, for which payments were - never - late. After discharge, the account was closed by XXXX  XXXX XXXX. Equifax keeps marking that account as Derogatory, which is inaccurate, because payments were never late. The Bankruptcy itself is Derogatory, not the XXXX XXXX  XXXX credit card account that was discharged through the bankruptcy. Additionally, Equifax keeps indicating the date of bankruptcy filing under Date of Delinquency, which is also inaccurate, because the account was never delinquent. I disputed these issues multiple times and Equifax keeps adding inaccurate information to my credit report.
Consumer complaint received 2023-10-05
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. (PA)

I've diligently pursued resolutions for the inclusion of these accounts on my credit report, which are entirely unrelated to me. Unfortunately, my multiple dispute submissions have not led to the removal of these erroneous accounts from my credit history. In addition, I've taken the initiative to file numerous reports with the FTC regarding these accounts, which do not have any rightful connection to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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

Account Name : XXXX  Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX XXXX  Account NumberXXXX Account Name : 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 2023-11-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: TRUIST FINANCIAL CORPORATION (TX)

I was denied my request to remove Private Mortgage Insurance ( PMI ) from my mortgage account. My initial request was unfairly denied, and I would like to provide additional context for your consideration. 

This year, I submitted multiple requests to have PMI removed from my mortgage account, as I believed that I had met the necessary requirements to do so. This was first done in XXXX of this year, as this was the 2 year mark of me owning the home. However, my request was denied due to a technical issue involving the first two mortgage payments, which I had missed. I want to clarify that these missed payments were not the result of my negligence or inability to make payments but rather a result of a mishap on the part of the mortgage institution. 

In XX/XX/2022, my mortgage was transferred to Truist. In XX/XX/2022, I was reviewing my bank statements and discovered that my auto-pay setup had not been properly transferred, which led to the missed payments. In prior instances when my mortgage had been transferred, I was notified well in advance and was able to be sure the payments continued, but Truist was unsuccessful in doing this. Immediately upon realizing this mistake, I contacted the Truist customer service department, and the representative I spoke with acknowledged that it was not my fault. She reassured me that such situations occur frequently and expressed empathy for my situation. She also let me know that it would have no bearing on my credit, yet now I'm being unfairly denied. I promptly paid the outstanding balance to rectify the situation, as I have always been committed to making timely mortgage payments. This was the first and only time I have ever missed a payment. 

Given the circumstances and the acknowledgement of the issue by the representative, I believe it is only fair to reconsider my eligibility for PMI removal and grant my request. I have been a responsible mortgage holder with a history of consistent and timely payments, and the missed payments were beyond my control. 

Furthermore, I would like to request a refund for the PMI premiums that have been charged to my account since XXXX, as I believe that I have met the criteria for PMI removal for that time. It is only fair that I receive this refund to reflect the accurate state of my mortgage account. 

I have been regularly communicating with Truist since my initial request in XXXX of this year, and they have taken months to respond, and have not been helpful in evaluating my request. I'd like to submit a formal complaint that I believe Truist is taking advantage of customers based off of their own technical mistakes, and an acknowledgment of a representative to that effect. 

Thank you for you help!
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am writing this request that I have been a victim of identity theft and I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inaccurate information continues to do harm to my credit. Please provide me with verifiable proof these accounts belong to me. 

Kindly eliminate the accompanying records as they are false and were opened without my assent or information.
Consumer complaint received 2023-11-12
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

CapitalOne bank, very difficult to make a purchased. When something happened I need to call them and behaind line with angry-cashier. Omg they request documents drivers license and proof of residency. Do not open credit with them
Consumer complaint received 2024-03-12
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. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCF Intermediate Holdings LLC (TN)

I HAVE A COUPLE OF HARD INQUIRIES ON MY CREDIT REPPRT THAT I DID NOT AUTHORIZE I DID NOT GIVE PERMISSION FOR MY CREDIT TO BE RAN AND I WOULD LIKE THEM TO BE DELETED IMMEDIATLEY
Consumer complaint received 2023-10-05
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. (WA)

1. I submitted a request to verify the completeness and accuracy of a tradeline with XXXX XXXX. 

2. XXXX verified the information to Equifax but failed to give account level documentation pursuant to 15 U.S.C. 1681s-2 ( b ) ( 1 ).

3. Equifax responded to me by sending a copy of the re-investigation report # XXXX dated XX/XX/. Equifax alleged the information was correct, however they failed to mark the account as disputed on my credit report which is a violation of the FCRA.
Consumer complaint received 2023-06-23
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: Experian Information Solutions Inc. (PA)

For my Experian Report there are inquiries on dates of that I didnt apply for and that I requested to be removed ( XXXXXXXX XXXX XXXX specifically ) There are also inquiries on my XXXX Report that I dont recognize as well
Consumer complaint received 2023-10-05
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

There are several inquires on my credit report that I did not authorize. According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. The following companies have violated the FCRA, by reporting these inquries on my credit report -- -XXXX XXXX  XXXX, on XX/XX/2023 -- -XXXX, on XX/XX/2023 -- -XXXX XXXX, on XX/XX/2023
Consumer complaint received 2022-12-09
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. (CA)

Due to the EQUIFAX data breach, I was informed and have verified my info was used fraudulantly. 
I had sent and called to the credit bureaus to ask that the addresses to removed because they are not my residence., XXXX XXXX XXXX XXXX XXXX is a business building and XXXX XXXX XXXX XXXX XXXX, ND is a XXXX XXXX according to XXXX maps. 
I was told by XXXX they don't do investigations and wouldn't help. 
15 USC SEC 1681 ( i ) statess that I have rights to dispute and that the credit bureaus do an investigations and all info should be accurate and verifiable. 
I believe my rights have been violated. 
I am requesting the erroneous ccounts be deleted for I have never lived at those addresses or have knowledge of theses accounts. 
I have enclosed my FTC ID Theft Affidavit along with my EQUIFAX settlemnt Claim # for proof. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-09
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)

On XX/XX/2022, I downloaded the consumer report that Experian has on me after I was denied credit due to defamatory items that Experian has reported on me. The report is identified by Experian 's Report # XXXX. After reading my consumer report in full, I utilized the listed resources that regulate consumer protections from the report to educate myself on the laws that were created to protect misinformed and abused consumers like myself. I never gave authorization or consent to Experian to have, use or disclose any of my personal, private, or personally identifiable financial information. I've contacted Experian on multiple occasions to have these defamatory items removed from my consumer report, as this information is continuously causing me harm, financially, and emotionally, but they've yet to remove these items. If these unauthorized items remain on my consumer report after this complaint is finalized, I will have no other choice but to file suit for defamation of my character, credit reputation, damages for FCRA violations, and criminal complaints for willful invasion of my privacy and identity.