davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-07
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. (FL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX XXXX XXXX  ( Original Creditor : XXXX ) Account Number : XXXX and so on.
Consumer complaint received 2022-05-23
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)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX  n cant provide to my two year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2019-11-22
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. (TX)

Equifax shows on my credit report that I haven't made XXXX XXXX  payment ( XXXX  ) for XX/XX/XXXXthru XX/XX/XXXX. I called Arizona XXXX and they told me ( and I verified thru their automated system ) that they were reporting payments made for these dates in XX/XX/XXXX. XXXX sent me a printout showing the payment history for the dates in question. Therefore onXX/XX/XXXX once receiving this report I submitted a dispute to correct this information. At the same time that I submitted a dispute with Equifax I also submitted a dispute with XXXX  and XXXX  to correct the same reporting error. I also submitted a copy of the envelope that XXXX sent me the report and an official letter from Social Security Administration showing the deduction from my XXXX payments starting in XX/XX/XXXX when the first payment was due ( this new XXXX XXXX debt was discovered from a new payment history report run by XXXX in XX/XX/XXXX showing an error reported in my favor from back in XX/XX/XXXXand creating a past due amount with penalties ). The amount deducted in the XX/XX/XXXX letter from SSA was what XXXX and I had agreed upon to pay monthly. Today, XXXX  and XXXX corrected the reporting error but Equifax refuses to.
Consumer complaint received 2023-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IN)

Made an online request XXXX to change payment plan from traditional payment plan to the graduated extended plan. My payment on the traditional plan is {$500.00} which I can not afford. The graduated extended plan would be an estimated payment of {$160.00}. As of XX/XX/ my payment plan change request was still processing. I attempted to call Mohela to see if I could correct this, the wait time was over an hour. I sent them an online message with this request XX/XX/ which still has not been answered. On XXXX I attempted to call them again as my payment was now past due, after waiting on hold for an hour. I got a junior representative to answer I explained my issue and she told me she would have to transfer me to a senior representative as she could not assist me with this issue. She put me on hold to transfer me, and then the automated system stated that their office was now closed. After my failed phone call I got online and submitted another payment change request. Today XX/XX/23 my wife is still on hold with them after XXXX hours and XXXX minutes. After XXXX hour XXXX minutes she had a junior representative answer and tell her the same thing I was told on Friday. They have transferred her and told her it should only be a XXXX minute wait when she was transferred the automated system stated the wait time was XXXX minutes. She has now been on hold nearly an hour with no end in site. In the meantime I am still in limbo with a late payment and interest rapidly growing while we wait on hold with no answers.
Consumer complaint received 2022-05-23
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. (FL)

The credit bureaus stated my account was properly investigated but how is that possible if the open date is an accurate, the date last active is an accurate, and date last reported is not accurate. This is grounds for removal they also violated my rights under 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-05-23
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. (FL)

The credit bureaus stated my account was properly investigated but how is that possible if the open date is an accurate, the date last active is an accurate, and date last reported is not accurate. This is grounds for removal they also violated my rights under 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-03-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I closed on my home in XX/XX/2023. I was instructed to pay XXXX taxes in the amount of roughly {$6200.00} at closing. The bank/their servicer then double-paid the school taxes and deducted the roughly {$6200.00} from my escrow. I alerted them to the double payment, which they acknowledged, and it took them several months to cooperate with the town 's process to get a refund. Over a month ago now, I was informed that they had received a refund from the town and that the next step was to credit my account. I have now called several times and they have failed to return my calls, and continue to fail to credit my mortgage escrow account. The result is that the bank misappropriated roughly {$6200.00} of my money without my permission, has failed to return the money to me for about XXXX months now, was refunded by the municipality who received the double payment, and now has failed to credit me for the misappropriated money and interest for over a month. To add insult to injury, they have failed to return my calls for XXXX weeks now. This is unacceptable.
Consumer complaint received 2023-02-06
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. Experian and XXXX must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX Balance : {$5100.00}
Consumer complaint received 2021-12-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Consumer Adjustment Company Incorporated (TX)

I require this debt to be validated that it belongs to me under the Fair Debt collection Practices Act. I have the right to request validation. I want in writing any proof that I am the party owing the debt, any EOB and statements proving the debt is mine. If not provided within 30 Days please remove from my credit immediately.
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (VA)

I applied for insurance and was denied. I then got an email stating that I have 4 accidents which aren't mine. I've been through this before with LexisNexis and now again. My son has the same name and was living at my address. The company failed to match the accident with the drivers license number. For companies to rely on data from LexisNexis they should be way more careful on how they report their information.
Consumer complaint received 2015-07-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AMERISAVE MORTGAGE CORPORATION (VA)

Mortgage servicing company is trying to trick me out to assess NSF fee inspite of receving the mortgage payment for the month. There were XXXX mortgage payments made in the month of XXXX 2015 my mistake in e-bill payment. Mortage company was notified about issue immediately about it. Customer service rep at Mortgage company informed me that XXXX payment will not be cleared and not to worry. But after a week Mortgage company sent me letter with NSF fee. I have contacted that mortgage payment was already paid for the Month of XXXX 2015 asked to remove the NSF fee. But Mortgage company is is not removing the NSF fee. I would like CFPB to help me in removing NSF fee and alert consumers of the unfair trade practice of the Mortgage Servicer.
Consumer complaint received 2022-06-14
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. (FL)

After contacting XXXX, Transunion and XXXX customer service by phone, I was told to submit the enclosed complaint. I also would like to remind you that 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 you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email a fraudulent account. I know that my information is being used to mislead, open, charge funds, inquire and whatever else, without my permission. I need these items removed immediately. Both the accounts and the inquiries. 
I demanded to see Verifiable Proof, whether electronic or wet signature, of what they have on file of the account and inquiries. They failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove. There is bankruptcy showing up on my credit report. This is false information as this bankruptcy does not exist.
Consumer complaint received 2023-04-08
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. (NV)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX Balance : {$360.00} ; XXXX XXXX XXXX XXXX : {$31000.00} ; XXXX XXXX XXXX XXXX Balance : {$260000.00}.
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I sent my letter off on XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out. I have the tracking numbers which are : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. 

according to the FRCA the term " investigate consumer report '' means a consumer or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. According to the FRCA 15 USC 1681 everything has to be 100 % accurate. The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX {$320.00} XXXX XXXX XXXX {$110.00} XXXX XXXX {$6900.00} XXXX {$8900.00} XXXX {$1600.00}
Consumer complaint received 2022-12-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: JPMORGAN CHASE & CO. (TN)

I bought a new XXXX XXXX from XXXX XXXX in XXXX, TN on XX/XX/22. When I got home, I realized that they snuck an extended warranty ( {$2800.00} Cost ) into my deal. I called right away to cancel the warranty at the dealership. They claim they canceled the warranty, but after numerous phone calls, I've still yet to receive a refund. The dealership was quick to blame XXXX and XXXX is blaming the dealership. Not getting anywhere with either company which brings me here on XX/XX/22, 63 days after the sale was completed.
Consumer complaint received 2024-03-07
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. (IN)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-07-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (NC)

On XXXX, I went to ER room, and it charged me {$520.00} for the medical check. My insurance company paid {$190.00}, I paid cash {$150.00} and {$150.00} from credit card, and discounted {$27.00}. I have already paid all the money that has no balance left, but I just received a mail from phoenix financial services, showing that I have a debt, with a wrong account number and wrong amount, but with my name on it correctly and told me I need to pay my debt. My name is XXXX XXXX.
Consumer complaint received 2022-12-17
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. (GA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX, GXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$8400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-18
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. (MI)

The Bureaus stated they investigated my report correctly and accurately which is inaccurate because for all of these accounts listed below i never gave any of them written instruction to furnish anything on my report also i have the right to privacy this grounds for removal. 

15 U.S.C 1681 Section 604 2 : the law clearly states a consumer reporting agency can not furnish a account without, y written instructions. 
I havent given these accounts permission to furnish these accounts on my report. 
15 U.S.C 1681e ( 5 ) information disputed by a consumer, if this information is investigated and still inaccurate it shall be removed by consumer reporting agency 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. 
ALSO THE REPORTING AGENCIES/ DEBT COLLECTORS/BUREAUS OBTAINED PERSONAL INFORMATION ILLEGALLY BECAUSE I NEVER DID IT THIS IS ALSO A DIRECT VIOLATION OF MY CONSUMER RIGHTS. 

THE ACCOUNTS AND OR NAMES BELOW SHALL BE REMOVED FOR DIRECT VIOLATION OF MY RIGHTS AS A CONSUMER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-09-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

XX/XX/2018 - Received a letter from XXXX XXXX XXXX   which was supposed to be verification of debt. It was a simple letter with the medical accounts, dollar amounts, and original creditors. 

XX/XX/2018 - Received the same letter as validation for the medical accounts. 

XX/XX/2018 - I sent a letter to XXXX XXXX XXXX requesting information to verify they were the correct company responsible for the debt, licensed in my state, contact information for each person who verified the debt, a copy of the document that I originally signed with the hospital, procedures used to verify the accuracy and completeness of the info. 

XX/XX/2018 - Sent another letter to XXXX XXXX XXXX   stating that they didn't provide what I asked for as form of validation. I have received another more than the document they originally sent.
Consumer complaint received 2024-03-07
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. (IN)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.