davidheineman/consumer-finance-complaints-large huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Dear transunion XXXX XXXX XXXX XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pictures of proof included XXXX XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX HISTORY CHANGE FROM XX/XX/XXXX & XX/XX/XXXX was change too XX/XX/XXXX & XX/XX/XXXX. 

PAYMENT HISTORY ON XX/XX/XXXX : SAYS I MADE A PAYMENT BUT THERE NOT A OK IN PAYMENT HISTORY & WHAT ABOUT XX/XX/XXXX & XX/XX/XXXX PAY STATUS : HAS NOT PUT 120 DAYS IN THIS SECTION REMARKS : NOT SHOWING NOTICE OF DISPUTE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS REPORTING MAXIMUM DELINQUENCY : XX/XX/XXXX out of date & 90 DAYS NO LATES IN PAYMENT HISTORY. 

LAST PAYMENT CHANGED : FROM XX/XX/XXXX TO XX/XX/XXXX THATS A VIOLATION LATE PAYMENTS IN PAYMENT HISTORY : THERE NOT ANY LATE PAYMENTS BUT THE ACCOUNT STATUS SAYS I HAVE 90 DAYS LATE. 

Remarks : THERES NO NOTICE OF DISPUTE PAYMENT HISTORY : THERE NO LATES & PAYMENT HISTORY HAS BEEN XX/XX/XXXX IN IS NOT REPORTING ON XX/XX/XXXX & THERES NOT ANY LATES IN PAYMENT HISTORY XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX from these dates. 

Want both ACCOUNTS removed If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Reporting information with actual knowledge of errors 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. 

FILE NUMBERS FROM PAST DISPUTES : XXXX XXXX
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-09-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: S&S Physician Services, Inc. (TX)

I noticed several collections on my credit from XXXX XXXX. They duplicated the debt as well. I have insurance and paid my deductible. I sent a request to XXXX XXXX to validate this debt. They never sent me anything, yet they continue to report collections that I don't owe on my credit file
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Under the FCRA, I request an investigation on the responsibility and the amount of this collection. Please discard this collection for FCRA violations because I do not think it is 100 % accurate
Consumer complaint received 2021-12-09
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: EQUIFAX, INC. (NJ)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2022-04-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (NY)

On XXXX XXXX I discovered XXXX was not on my XXXX  account A family member opened a account without my knowledge and my taxes was switched by the close family member that helped me file and I was able to close the first fraudulent account and open new one and still can't access my funds I went to a branch in person and my id is expired so I was told I'm not who I am and I'm awaiting for my valid id in the mail any day... It's very stressful I call the bank every day and they managed to switch my address to theres and my phone number is also changed to theres I need help several thousand dollars was took
Consumer complaint received 2019-11-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Student Loan Finance Corporation (AZ)

RSLFC is claiming payment for a loan I did not received. 

On XX/XX/19 I contacted RSLFC and they said they did not have any record with my name about a loan. 

On XX/XX/19, RSLFC claim a loan bought from another financial company which I am not responsable to pay : 1 ) XXXX XXXX XXXX XXXX was notified to cancel the loan with a XXXX XXXX for incorrect dental estimate. 

2 ) The XXXX XXXX stop the procedure and never mail any claim for the amount of any service.
Consumer complaint received 2018-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

This relates to HSBC 's Premier Credit card. I paid the credit card using the telephone service provided by the bank and then the bank froze the card ostensibly to verify that I was the one who paid. I waited hours for the call center to pick up my call over a period of days. finally, i got someone, the card was unfrozen.

I then spoke to someone in customer support who helped me make a request to transfer a balance from another credit card to the HSBC card. Minutes later the card was frozen to verify that I had made this request which is ridiculous as the employee from customer support had already verified my identity. I have been on hold with the call center for hours over a period of two days so far and no one picks up, and both my request and credit card are frozen. 

The bank takes arbitrary actions that prevent me from using the card and then there is no one to speak to rectify this.
Consumer complaint received 2015-09-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NRA Group, LLC (SC)

Calls routinely trying to contact my son. They have been told with every contact that my son is imprisoned and not available at my residence or at my telephone. They state that my number will be removed. The calls have continued for 11 months. Please make them leave me alone.
Consumer complaint received 2021-12-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (KS)

I have been trying to contact FedLoan Servicing for a request of information on my account for the past month and half. I have called them multiple times through their XXXX number and have been told I would receive a call back later. I called on XX/XX/XXXX, XX/XX/XXXX, and twice today. In addition, I have contacted them via their email request and have not heard back from them ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). I also filed a complaint with the Federal OMBUDSMAN and have received no notification or message about my request. I have also submitted my IDR request with proper documentations on XX/XX/XXXX and am still waiting for a reply. However, when I submitted my IDR request on XX/XX/XXXX, I received results on XX/XX/XXXX. It baffles me how I can contact XXXX about the XXXX  and not receive any information or feedback, but when I submit paperwork that pertains to payment plans, they are quick to calculate and reply back. 

I have been placed in forbearance for times in which I was in school, but yet still working at approved XXXX employment. I did not receive notice that I was being put in forbearances and when I spoke to XXXX in XXXX of XXXX, I was assured that my employment while going to grad school was going to count towards my XXXX. I am now finding out, that they in fact are not counting it and will not reply to any of my emails or calls to speak about the issue. I would like to file a complaint on XXXX giving out false information over the phone, lying about my eligibility of the XXXX, as well as refusing to contact me about my account. This is absolutely unnecessary and outright robbery. I do not believe they have the best practices for consumers.
Consumer complaint received 2022-09-28
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)

Account Name : XXXX XXXX, # XXXX, Account Name : XXXX XXXX, # XXXX, Account Name : XXXX XXXX  # XXXX, Account Name : XXXX  XXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crime 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 2021-12-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (AZ)

When I asked for a supervisor I was told that none would be available and if they were the answer would be the same as the agent. That being said, I recently won a court settlement regarding XXXX XXXX. They were providing inaccurate information regarding my report. When I told the Agent I had a court order that states the information is to be removed, she said they do not investigate or dispute information. they are merely a data furnisher and they would submit my information to the creditor and if the creditor determines ( not the XXXX XXXX XXXX ) thst it is to be remooved then they will remove it, I explained that for 4 years they have been supplying bad information and that is why I got the court order, and she repeatedly said, If the creditor decides it will be removed. Not the judgement of the US Court. The creditor has been the problem with reporting bad info the entire time, but she said that regardless of what I submit, its what the creditor says, not our courts that matter. Does anyone see a problem with this besides me? If Experian is a data furnisher they should be accepting data from the US COURT system as well as the crooked creditor.This needs to be a lawsuit against EXPERIAN even more than the creditor. They should not be allowed to do this. If cfpb doesnt handle this asap i plan on taking them to court myself. this is insanity. We still live in the United States, and the law is the law, not what a creditor says is the law!!!
Consumer complaint received 2024-03-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (PA)

MOHELA de-certified my current employer. Consequently, my recent payments have not counted. I wrote and informed them that I just submitted the paperwork and that my employment status has not changed. Additionally, they are declining to credit my account the XXXX months that it took for them to place me in the XXXX program, despite it being a lengthy time and that it was considered administrative forbearance
Consumer complaint received 2022-05-23
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. (TX)

Hi my name is XXXX XXXX. I have never done business with XXXX XXXX XXXX neither am I liable. I do not have a signed contract nor any type of contract with XXXX  XXXX XXXX. I have the right to demand and see the contract between XXXX  XXXX XXXX and myself! Please send the proper validation
Consumer complaint received 2021-12-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nevada Credico, Inc. (NV)

We have received a collection letter from Quantum Collections for a XXXX collection that isn't ours. 

My dad and I have a XXXX XXXX collection reporting to our XXXX credit reports for an account that isn't ours, it's my brothers who lives in the same household as us. We demand that this collection be removed from our reports as it is causing our mortgage loan to get declined. Scenario : My brother 's car was a XXXX XXXX, XXXX. He sold his car in XX/XX/XXXX. He took the plates off the car but did not submit the plates to the XXXX. 
The vehicle was abandoned on the roadside by the new owner. When the towing company ran the car 's VIN number it came back to my brother as still owning the car. The towing company sold the vehicle and came after my brother for additional money. He has since dealt with the XXXX issue however, there is a collection not only on my brother 's credit reports but, also mine and my dad 's and we had nothing to do with the vehicle- we just happen to live at the same address as my brother. My info : XXXX XXXX social security ending in XXXX Brother 's XXXX XXXX XXXX XXXX social security ending in XXXX Father 's Info XXXX A XXXX social security ending in XXXX
Consumer complaint received 2021-12-09
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

XXXX XXXX, XXXX Department for PennyMAc received our request to change the occupancy ( a form in the paperwork ) from residential in order for us to purchase another home ( better security area, more convenient to work location, etc. ). 
XXXX XXXX spoke with me for 15 minutes. I am an XXXX XXXX with a XXXX XXXX XXXX. She asked me to verify XXXX, XXXX and address. She asked me if renting, what would I rent our current home for since our current mortgage is {$1400.00} ( we pay more than minimum each month ). The current home has pool table, large rooms, in close proximity to large naval base/airport, etc. ). XXXX XXXX never XXXX for documentation to show we have over {$31000.00} in a savings account for emergencies. She did not ask for documentation showing $ $ $ in our XXXX, nor documentation showing $ $ $ in a XXXX, nor asked if we had mortgage insurance with PennyMac as beneficiary in case we died ( to protect their interest ). XXXX XXXX of the Research Department determined that we, XXXX Americans, do not need to purchase an investment property and said " we must sell our current home '' as the only option available to us. Her letter did not state any other options, did not provide a PennyMac phone number to escalate or request an appeal. XXXX XXXX of the XXXX Department failed to accurately review ALL pages of the VA Mortgage documents and violated veteran 's rights to appeal.
Consumer complaint received 2021-12-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

This account is paid and I have taken care of all payments that were due. I have asked for this account to be removed. I am applying for a home and this is hurting my credit score. This account has been paid in full; and I am currently awaiting for the deletion letter as I am under contract for a house. Can someone please help me get this deletion letter asap due to this error. Thank you.
Consumer complaint received 2016-03-18
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (NJ)

I opened a XXXX XXXX Credit Card account with Citi due to the limited time offer of XXXX points for {$2000.00} eligible spending in the first 3 months. I have access to this offer from both Citi website and XXXX website, and applied through the link offered. However, upon opening of this account, I only received the regular offer of XXXX points for {$1000.00} eligible spending in the first few months. I followed up with Citi on the limited time offer as provided, but Citi refused to honor the promised offer.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

My account with XXXX XXXX was never late! I have had exceptional payment History With XXXX XXXX and all payments were placed in Autopay. This late payment that is reporting is a result of a systematic error on their end processing my payment. 
This was clearly a billing error made by the company and it is not a reflection of my payment Experience which violates USC code 1681eb. This error has caused severe hard to my Reputation, my character, my mode of living and to my family! 
I demand the late payment reported in XX/XX/2023 to be removed. 
They are not in compliance with the following law 15 USC 1666b and its requirements set the Standards and the guidance of a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit Plan as late for any purpose, unless the creditor has adopted reasonable procedures designed To ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in a good faith pursuant rule 1002 and it was never provided This is unfair, Illegal, fraudulent, and not equitable to me as a consumer! 
Update the late payment from my consumer reports Fraudulent Account : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-23
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 (OH)

Bank of America says I have a credit card with a balance that was at one time being paid and now is not. I have never had a credit card with them and I don't know who has this card and was at one time making payments. They will not provide me with the original agreement showing who requested this card. They have destroyed my credit and will not do anything to resolve this. They continually call and mail looking for payments.
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the fair credit reporting act XXXX XXXX Account Number XXXX has violated my rights 15 U.S.C 1681 Section 602 A state that I have a right to privacy. 

15 U.S.C 1681 Section 604 A 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: EQUIFAX, INC. (OH)

CFPB Write up n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, 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 2022-04-13
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. (PA)

In accordance with the Fair Credit Reporting act 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