davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION (FL)

i have had a mortgage with PENFED for approx 4 years- in spring i received a note that my insurance had lapsed and that the mort company had secured a policy and aded to my escrow i called to advise them that i indeed had insurance and apparently there had been a lapse of apron 2 months as my insurer stopped covering florida - my agent didn't notify me - as soon as i became aware i called and got new insurance and advised penfed in may my mortgage payment suddenly shot up XXXX month- i spoke ww the company advised what happened and they supposedly fixed the account i today received a letter saying my account was delinquent when i spoke w the penfed rep i was informed that it was because i had no insurance i went through the same call explaining i in fact XXXX have insurance and asked to speak w a supervisor nobody has called me back i do not want this damaging my credit report and i want any late fees credited back please advise
Consumer complaint received 2021-09-28
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)

This complaint is for the timeshare company XXXX. I've previously disputed this account and was deleted from my credit reports under Equifax XXXX XXXX, but reappeared and is reporting negative again. I want this to be removed as it is very illegal to add on removed fraud accounts. This inaccurate account is being reported in my credit records again and is hurting my financial stability. I have disputed this and was deleted but they've added it again. Moreover, they've violated my consumer rights ; specifically, failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. There has been continued charges, added interest and fees which are to be suspended until resolution has been found. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. Not only have they ignored my prior requests for validation of the account but continued to contact me through means of robotical debt collection calling. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. I am intending on filing the disputes with the consumer regulatory bureaus and state attorney 's office. They are willfully violating the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The continual stress of harrassment, damage to credit report, and the collection efforts must stop until a reasonable resolution is found. My requests for validating accounts were ignored, I have never received any response from them to validate accounts. They failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act.
Consumer complaint received 2019-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST CITIZENS BANCSHARES, INC. (WI)

first citizens bank engage in willful deceit and fraud with respect to when they claim they attempt to clear checks vs when they say they attempt to clear checks. 

the difference is subtle but is all about extracting massive fees from their customers.
Consumer complaint received 2018-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (NV)

Chase Visa XXXX Card. Chase sent out an offer to upgrade to another XXXX card. Same account number, so no impact on personal credit. No other fee changes on offer. I agreed to upgrade to the card. I activated the new card on XX/XX/XXXX. Today I receive a letter from Chase dated XX/XX/XXXX ( todays date is XX/XX/XXXX ) stating changes to account terms. The change is that they are increasing their annual fee from {$99.00} to {$140.00}. I find it awfully suspicious that the letter came after I had time to accept and activate the card. This seems a lot like a bait and switch tactic. I will not accept this change in annual fees as it was not advertised when I was initially offered this card upgrade ( and I highly doubt Chase bank makes decisions to raise annual fees in less than a months time, these decisions are factored in months in advance ). Another example of how the banking system is not regulated enough, or perhaps a sign it needs more oversight since they resort to tactics like this. Bad business.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NJ)

I applied for student loan forgiveness under the TEPSLF program in mid-XXXX XXXX after reaching my ten-year anniversary of service at my regional public university XXXX XXXX XXXX XXXX XXXX XXXX I have been repaying student loans since at least XX/XX/XXXX, so I should have more than enough qualifying payments for the program as well. However, MOHELA, my current loan servicer has initially disqualified all those past payments by claiming that I was paid ahead on my payments due every month and therefore I did not received monthly billing. My stance is that I made the necessary payments under my graduated repayment plan regardless of whether I paid a bit ahead or not. 

My prior loan servicer - XXXX XXXX XXXX- did not do anything with my TEPSLF application between XXXX and XXXX XXXX. In XX/XX/XXXX, my {$26000.00} in remaining loan principal ( {$24000.00} DL consolidation subsidized + {$1900.00} DL consolidation unsubsidized ) was transferred to MOHELA for PSLF/TEPSLF processing. 

MOHELA has entered my loans ( inaccurately, I believe ) into their system, but they have only counted 31 qualifying payments toward each respective loan covering the period during the pandemic. When I reached out to MOHELA twice in early XX/XX/XXXX, I was told that my payments between XXXX did not count because I was always in " paid ahead status. '' This " paid ahead status '' is penalized under income driven plans, but I was on an entirely different repayment plan for graduated repayment. Regardless of whether I technically paid ahead I surely made the minimum payments each month, so these payments should be reclassified as qualified payments. 

In addition to the 31 payments per loan that MOHELA is counting for the pandemic, there are 114 combined payments MOHELA does not count between XX/XX/XXXX and XX/XX/XXXX, deeming that " no bill was due for the period. '' Additionally, MOHELA has no record of my repayments between XX/XX/XXXX and XX/XX/XXXX, which appears to be a flat out error and omission ( I'm listed as having one payment in XX/XX/XXXX which oddly does not qualify somehow as a qualifed repayment ). 

In my XXXX calls to MOHELA, I requested a hand recount of my qualifying payments under TEPSLF rules, and I was told to wait six weeks. MOHELA 's answer always seems to be wait, wait, wait. Could you at CFPB encourage MOHELA to expedite my recount and permit me to get to the point where I can appeal any faulty decision by MOHELA henceforth? I've seen from other posts of borrowers that they might wait many months or even years for such redesignations. 

Thank you very much, and I look forward to your reply and any follow up questions you may have. 

XXXX XXXX XXXX
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX-Date of Inquiry XX/XX/2021 XXXXDate of Inquiry XX/XX/2021
Consumer complaint received 2024-03-14
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality unde

r 15 USC 1681. Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number:XXXX  Account Name : XXXX XXXX : Account Number:XXXX  Account Name : XXXX XXXX : Account Number:XXXX  Account Name : XXXX XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WA)

In XXXX of XXXX due to my now ex-husbands failed business, we filed joint bankruptcy. Since bankruptcy as an individual is not an option when you are married, I had to file as well. 

In XXXX of XXXX, while in the middle of getting a divorce, I petitioned the court to be removed from the bankruptcy. I was granted a Voluntary Dismissal from the CASE in XXXX of XXXX, so that he could proceed on his own. While applying for a mortgage in XXXX, it was brought to my attention that a Bankruptcy XXXX was reflected on my credit. HE asked to have the CASE dismissed in XXXX. The order from the judge usages the language of *his* case and *him* only. 

A dismissed party means that the I am not a part of the bankruptcy case and should not be affected by anything that happens in the case after I was dismissed from it. I called and spoke to the judges chambers, XX/XX/XXXX, and my understanding is correct. I was dismissed from the case, and therefore the case dismissal itself should not be affecting me. 

I have disputed this several times, reporting that there are multiple errors. It comes back verified as accurate every time. It in fact is not and has no less than XXXX errors.
Consumer complaint received 2024-03-14
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 am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-02-19
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: GOLDMAN SACHS BANK USA (CA)

I am filing a complaint against APPLE CARD/GS BANK USA regarding their failure to address inaccuracies on my credit report. On XX/XX/XXXX, I submitted a dispute to APPLE CARD/GS BANK USA regarding discrepancies in the reporting of my account. In response, I received documentation showing transaction and payment history, but the issue regarding the accuracy and completeness of the account was not resolved. 

Subsequently, I disputed this account once again with APPLE CARD/GS BANK USA on XX/XX/XXXX, and XX/XX/XXXX. However, I did not receive any response to these subsequent disputes. The account in question is reporting incomplete and inaccurate information, particularly concerning the payment history. While the account was opened on XX/XX/XXXX, the payment history on XXXX only reflects payments from XX/XX/XXXX through XX/XX/XXXX. In contrast, XXXX reports payments from XX/XX/XXXX through XX/XX/XXXX. This discrepancy raises concerns about the accuracy and completeness of the account 's reporting. 

As per the Fair Credit Reporting Act ( FCRA ), furnishers like APPLE CARD/GS BANK USA are obligated to promptly investigate consumer disputes and provide a response within 30 days. However, APPLE CARD/GS BANK USA has failed to fulfill this obligation by not addressing the inaccuracies and discrepancies in the reporting of my account within the stipulated timeframe.

I am including copies of my dispute letters sent to APPLE CARD/GS BANK USA to demonstrate the efforts I have made to resolve the errors on my credit report. I am also including a copy of their response dated XX/XX/XXXX. Additionally, I am including a copy of how this account appears on my credit report to demonstrate the errors. Despite my attempts to engage with them, APPLE CARD/GS BANK USA has not provided any response or taken appropriate action.
Consumer complaint received 2021-09-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (TX)

Around XX/XX/2020, I called XXXX XXXX XXXX XXXXXXXX to have service in my service and they were supposed to ship me an equipment. However the equipment took so long and i cancelled the service. 
The equipment still arrived and once i received their equipment, i called them and asked them how to return the equipment and XXXX XXXX XXXX told me to return it at any XXXX store. So I went and return the equipment. 
I NEVER CALLED XXXX XXXX XXXX to activate their equipment and I HAVE USED XXXX XXXX XXXX XXXX XXXX for any places I have been. 
So I was surprised that XXXX XXXX XXXX send my information for collection debt to an agency called SUNRISE CREDIT SERVICES located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. 
I called that agency and told them I have never had any type of business service with XXXX XXXX XXXX XXXX  but since they are a collector agency, the only thing they want is to wrongfully collect your money unfairly.
Consumer complaint received 2021-09-28
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: SYNCHRONY FINANCIAL (TX)

My XXXX Credit Report is reporting multiple fraudulent inquiries. 
XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-03
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. (FL)

XXXX XXXX XXXX {$690.00} est XX/XX/XXXX XXXX XXXX XXXX   {$140.00} XX/XX/XXXX XXXX  XXXX  {$4300.00} XX/XX/XXXX inquries XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX addresses XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX, pa XXXX XXXX XXXX XXXX  XXXX XXXX pa XXXX I was victim of identity theft and the bureaus did not remove all the info associated with this crime. I filed identity theft report in XXXX XXXX. please assist me in removing all negatives due to identity theft
Consumer complaint received 2021-09-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Frontline Asset Strategies, LLC (DE)

Frontline Asset Strategies is trying to collect a debt in the amount of {$1000.00} from me from XXXX XXXX. I received this letter today. I don't know what this is for, I was never contacted about this before, I never owed anything, never had a judgment. I can only assume this is identity theft.
Consumer complaint received 2021-09-28
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CarMax, Inc. (GA)

My name is XXXX XXXX this complaint is in regards to vehicle titled under CarMax Auto Finance under VIN # XXXX. CarMax Auto Finance is in violation of a law that pursuant to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information. During our agreement of the loan terms in CarMax Auto FINANCE automotive dealership , & automotive loan financing department. I never verbally, written, or implied to agreed upon the disclosure of my car loan or my car loan 's vital information to third party or any form of public record. This is car loan is on my personal credit report which I never gave consent to share or report, nor was I notified of such details will be shared with a third party before hand. I have sent a letter on this date given my written request to exercise my god given right to opt-out from sharing details with a non-affiliated third party including ( Credit bureaus ) without my consent. I was not made aware of my right to do so at the time of our agreement, I was not given the opportunity to do so, and I never agreed to having the details of our agreement shared. CarMax Auto Finance are now breaking the law and could be held criminally and civilly liable. I have attached a copy of the written agreement, it doesn't say that you will share information with XXXX, XXXX, or XXXX. On the last page states that all federal law and Georgia law apply. Also, have attached the written letter I sent XX/XX/2021 with the tracking to CarMax Auto Finance 's address.
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXXXXXX  Date of inquiry XX/XX/XXXX
Consumer complaint received 2019-02-03
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)

XXXX XXXX XXXX {$690.00} XXXX XX/XX/XXXX XXXX XXXX XXXX {$140.00} XX/XX/XXXX XXXX XXXX {$4300.00} XX/XX/XXXX inquries Transunion XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX addresses XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX, pa XXXX XXXX XXXX XXXX  XXXX XXXX pa XXXX I was victim of identity theft and the bureaus did not remove all the info associated with this crime. I filed identity theft report in XXXX XXXX. please assist me in removing all negatives due to identity theft
Consumer complaint received 2019-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: National Consumer Telecom & Utilities Exchange, Inc. (IN)

NCTUE has failed to send me a copy of file as requested ignoring all attachments which included proof of return receipt and that they received the letter NCTUE is willfully not complying with to the FCRA. It has been 2 months since i first requested my file and in that 2 months i have received nothing from NCTUE. THIS IS MY 3rd COMPLAINT AGAINST THEM FOR NOT SENDING ME MY FILE AND PLACING A REQUESTED FREEZE. I receieved a letetr stating that they were placing a freeze yesterday ( XXXX ) the original request was the beginning of XXXX. Furthermore i still have not received a copy of FULL CONSUMER FILE DISCLOSURE. This is a violation!!!! I have requested this at least 3 times now 2 of which were through CFPB. Where is my full consumer file at NCTUE!!