davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-23
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: Experian Information Solutions Inc. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2023-03-18
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. (CT)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2019-09-23
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XXXX ; Experian and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be past due on an account that has a {$0.00} balance. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.
Consumer complaint received 2019-09-23
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be past due on an account that has a {$0.00} balance. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.
Consumer complaint received 2022-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Arrived home from vacation with a credit card opened in my name. The card is in my name and sent to my home address, but the originator of the card is an address in North Carolina. XXXX XXXX XXXX XXXX. XXXX, NC XXXX. I contacted Bank of America on XX/XX/2022. The account was closed and it was recommended I contact my local authorities, file a report with the FTC.gov, and notify the credit bureau to make sure the account is closed and removed and that no other accounts have been opened in my name.
Consumer complaint received 2019-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

There is an address appearing on my Experian credit report that does not belong to me. I sent several letters and even disputed it over the phone. Today, XX/XX/2019 I called to dispute this address over the phone and they would not investigate the account.
Consumer complaint received 2019-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

This complaint is about the updater services that all credit card companies use. Visa is working on resolving this in good faith, but there must be some better regulation of credit card updating services. 

In mid XXXX, 2019, my son who shares my credit card, received an email from the virus protection company XXXX telling him they were renewing his yearly subscription and would bill VISA for {$100.00}. He had not had a yearly subscription with them in at least the past 5 years, if not longer. 

I immediately called the VISA who checked and could find no charge by XXXX on my VISA card for at least 5 past years I'd had that card number. But, to be safe, they issued me a new card which I received end of XX/XX/2019 with a new number. 

Saturday, XX/XX/2019, XXXX charged us {$100.00} on my NEW credit card number. This is exactly the problem I had tried to avoid. So I called VISA again. At first, when I called VISA, I was told that getting a new card could not stop recurring bills. 

When I called back, I was told that recurring bills should only be able to charge for up to a year. Since there was no record of a XXXX charge as far back as the Visa representative could look, this meant that XXXX had committed a fraud on VISA and on me. 

VISA updater service had given my new card number to XXXX and allowed them to charge me, even though there was no history of XXXX, and I had gotten the new card to stop this fraud. 

These updater services are insidious and must be better regulated or they are nothing more than free and unbridled access for every merchant to the consumer 's pocketbook. 

Visa is now sending me a new card and going to stop payment to XXXX. I don't blame them, I think the updater services are at fault.
Consumer complaint received 2019-09-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (CA)

During our house hunting, XXXX XXXX XXXX XXXX Rocket Mortgage verbally gave misleading information over the phone. The Loan Officer, XXXX XXXX, verbally gave me rates including points without disclosing his rates came with points. He also said our ARM would never go above 5 %, which later turned out to not be true. 

When we got our offer accepted on XXXX, XXXX asked us to sign a document quickly to ensure a quick loan process ( We needed to close in 21 days ). The document was not clear to us that we were opting into a loan origination fee ( points ). We had never discussed points at any time. The points were just slapped it on our application and we missed the fine print. Since we are first time home buyers we view this as predatory behavior as we did not even know what " buying points '' meant. 

I learned for the first time that I was paying for points while I was in my closing appointment, XX/XX/XXXX. The documentation from the title company made it clear we were purchasing points, RockatMortgage 's documentation does not disclose this info in a clear way. 

To give an anecdote of how in the dark I was, my loan officer suggested that I can do the ARM and refinance in 6 months. I am paying $ 10k in points. It would make no sense to refinance in 6 month and any ethical loan officer would not suggest such a thing. Or at least caution the pro's/con 's of buying points. 

Upon asking RocketMortgage to review, they agreed that my loan officer and I never discussed points. They also didn't refute the fact that I was told my loan would not go above 5 %. They offered no resolution. I find this to be a systematic condoning of misleading behavior of the loan officer.
Consumer complaint received 2019-09-23
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. (CT)

I have found fraudulent accounts or hard inquires in my credit report that I did not authorize such accounts needs to be remove from my credit because they do not belong to me nore I have authorize them.
Consumer complaint received 2019-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I reviewed my credit report with equifax found a account from XXXX XXXX I immediately made a challenge on the unknown account, equifax verified the account but I know that they verified it in a short time so I dont think the account was investigated, equifax knows that the FCRA requires them to provide me THE METHOD OF VERIFICATION I REQUESTED .... however they try to stall and send me generic answers about how they verified this account, they need to make sure that XXXX provides me the original signed agreement, if XXXX saying they cant provide me this information how did they provide it to equifax? My name, address and last 4 of social is not verification because clearly anyone can get access to that information, I need competent proof which is my rights, all verification without proper certification is a violation and i may seek compensation, equifax is not acting in good faith
Consumer complaint received 2023-03-18
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. (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 under 15 USC 1681. 

XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX # : XXXX, XXXX XXXX acct # : XXXXXXXX XXXX XXXX XXXXXXXX acct # : XXXX, XXXX XXXX XXXX XXXX # : XXXX, XXXXXXXX XXXX  acct # : XXXX, XXXX XXXX XXXX acct XXXX XXXX XXXXXXXX XXXX XXXX  acct # : 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 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 2019-10-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (TX)

I recently got married so my income increased ; however, this caused my payment to triple under IDR. On XX/XX/XXXX 19, I contacted FedLoan and spoke with XXXX ( EID # XXXX ), who indicated that if I switched to REPAYE, my payment would only double, which was more manageable. XXXX and I discussed the " required '' month of forbearance where I would have to pay {$5.00} and I asked if there was a way to waive the month of forbearance and have the payment plan go into effect immediately. XXXX said she would request a waiver of the forbearance and have someone contact me to see if my payment plan could go into effect immediately. On XX/XX/XXXX19, I received my next bill from FedLoan indicating I would be billed for over {$1300.00} on XX/XX/XXXX19.  Therefore, I contacted FedLoan again on XX/XX/XXXX 19 and spoke with XXXX ( EID #  XXXX ) after being on hold for over 15 minutes. I asked XXXX about the status of changing my payment plan and she simply provided canned answers with no real explanations about why it would take at least another payment cycle to process the change in my payment plan. When I asked why I was forced into forbearance for a month, she did not provide any rationale behind the forbearance but simply stated it was required when changing payment plans. I have read the print on my application and understand that it states that but it does not make sense at all. It is obviously FedLoan making it impossible for borrowers to maxmize their payments under PSLF. XXXX was also extremely defensive when I asked questions about why this was taking so long seeing as I submitted the request a month before my next payment was due. She gave curt responses like, " There are thousands of requests received each day and we process them in the order in which they're received. '' XXXX also made an interesting point and said my plan change isn't even looked at until the forbearance is put into place, thereby delaying the process even more. It is absurd that the forced forbearance and new payment plan calculations can't be done at the same time. I am getting close to 120 payments under PSLF but FedLoan seems to be standing in my way more than anything.
Consumer complaint received 2019-10-01
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: KEYCORP (CO)

I payed off an Equity Line of Credit with Key Bank in XXXX of XXXX. I filled out paperwork to close this account. In XXXX of XXXX I noticed the account was still open - I filled out paperwork again to close the account. In XXXX of XXXX, I was checking my credit report and noticed this account was still showing open. I went into a Key Bank branch and filled out paperwork a third time to close the account. I filled a dispute with XXXX   credit bureau as the account was still showing as open in XXXX of XXXX, and I had been told the account was officially closed. The dispute came back as correct and the account remains as showing open!
Consumer complaint received 2019-10-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Linebarger Goggan Blair & Sampson LLP (CO)

In XX/XX/XXXX, my wife parked her car in a parking lot and for whatever reason, ( I think she forgot to have her parking tag displayed ), she received a parking ticket. In XX/XX/XXXX, she paid the fee. 
The car is registered in her name with the State of Colorado and always has been, back to XX/XX/XXXX. 
Now, in XX/XX/XXXX, firm " Linebarger Goggan Blair & Sampson, LLP '' ( 'the firm ' ) have started mailing me, husband, for collection of the fees that were already paid by wife. 
1. Based on the fact that we already paid the fees, we don't intend to pay them again. 
2. Based on the sketchy fact that 'the firm ' has contact me, husband, instead of the owner of the car, wife, indicates to me that this is a questionable collection process as well as a questionable fee. 
3. Reputation wise, a search of 'the firm ' online reveals that they're collection processes are questionable, un-ethical, and not based on accurate un-paid fees. 
4. Do I really believe that the parking lot wouldn't have contacted us in XX/XX/XXXX, or XX/XX/XXXX, or XX/XX/XXXX???? No. This seems like a law firm got ahold of old data and they're looking for suckers who will be intimidated and send money to this company. 
5. Given how sketchy this collection firm is, there's no reason why I'd ever let them near my bank account information via me sending them a check, or me paying via a credit card at their website. They're an identity theft waiting to happen. 
6. The paperwork sent to me has no mention of the CFPB as a notification of customer rights or recourse for action. If they want to avoid the CFPB, they're probably not reputable.
Consumer complaint received 2019-10-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (SC)

When I moved from XXXX to XXXX XXXX I put my XXXX service on hold until the move was complete and we had a new address for service. When I called and setup the appointment the XXXX service guy thought it was new service and opened up another account in my name. I told him that no it was an already existing account, he said he would take care of it. Three months later I'm turned into collections for the other account and my current account is always paid on time, and I made sure I set back the old equipment from the other account. I've tried several times to call and explain and each time I'm told it was XXXX mistake and they would fix it. I'm not paying for something that's not my fault. I would like this off my credit ASAP.
Consumer complaint received 2022-03-31
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. (NY)

In accordance with the Fair Credit Report Act 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 a account without my written instructions. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBERXXXX ACCOUNT NAME : XXXXXXXX XXXX  ACCOUNT NUMBERXXXX
Consumer complaint received 2019-10-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

Navient place me in forbearance and wont allow any other options. I am still a XXXX student and have been in forbearance for a couple years. The interest is high and they wont work with me, and have said its my only option.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

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. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX There are discrepancies observed in my credit report pertaining to XXXX XXXX XXXX XXXX. The reported last activities differ across XXXX, Equifax, and XXXX, with Dates of XX/XX/XXXX, for XXXX, XX/XX/XXXX, for Equifax, and XX/XX/XXXX, for XXXX. A notable incongruity is evident in the representation of my payment history. Equifax indicates 8 instances of 90-day late payments, while XXXX reports only 1, resulting in a significant inconsistency. Moreover, there is a variance in the on-time payment percentages, with XXXX reflecting XXXX XXXX and Equifax documenting XXXX XXXX. Furthermore, specific entries in XX/XX/XXXX, differ, as XXXX reports a collection charge, whereas Equifax records an on-time payment for the same period. In light of these inconsistencies, I kindly request a comprehensive investigation into the matter and the implementation of necessary actions to rectify the inaccuracies present in my credit report. 


15 U.S. Code 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

15 U.S. Code 1681i ( 2 ) ( B ) The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). 


15 U.S. Code 1681 ( b ) - Congressional findings and statement of purposeIt is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (PA)

The complaint number XXXX has not been fully addressed. No correction was made to correct my credit score and their explanations are incomplete and border on outright lies. I was never late on the account and they were paid in full. I had a right to ask that the corporate fees I owed were correct and made payments on those fees for 2 months after which I paid them off but still received no additional response. I was given money back which proves I was right when I said I was being over charged.