davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-28
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: Bread Financial Holdings, Inc. (MA)

I am beyond exhausted with all of my efforts to have an outdated, closed and inactive account for more than 10 years, removed from my credit report. I closed my XXXX account in XX/XX/2007. XXXX went Bankrupt. Iit was acquired by XXXX XXXX XXXX and was later acquired by XXXX XXXX in XX/XX/2013. The account was acquired closed and inactive without legal notification of their acqusition. For the past 11 years, the reporting of this account has continued, without any data. XXXX has refused to delete an outdated account ( by their own rules and regulations ). XXXX XXXX clearly does not know the meaning of delete. XXXX XXXX, in error, has updated the account, claim that it is reporting it correctly and has claimed to stop reporting it. All they need to do is to delete the outdated account from my credit reports. Under the Fair Credit Reporting Act, I have a right to have outdated information removed from my credit report. Why has it been so difficult for XXXX to delete an account that they failed to provide legal notice of their acquisition, acquired a closed, inactive account on which there has been no data to report and after several certified return receipt requested communications, they still will not delete the account. There has also been numerous communications with XXXX and this issue has become a tennis match. XXXX sends you back to XXXX XXXX and XXXX XXXX sends you back to XXXX. Enough of the madness. I wish to have an outdated, closed, inactive account deleted from my credit reports. Why is this so difficult?
Consumer complaint received 2022-04-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (VA)

My account number is XXXX My mortgage company is committing frua.d they are charging me addition fees that I wouldn't be charged. They are charging my taxes of the incorrect amount. They paid my property taxes late and charge me the late fee and interest rate. 

Let me be very clear. 
I have contacted this mortgage. My mortgage company on XX/XX/XXXX. To date I have not even received a phone call to discuss this matter. I sent an email to them ( as requested ) advising I had a dispute and that I would be contacted. It's been 2 weeks. No call. No followup. Nothing!!! 

I had to send a complaint here just to get a response 14 days later which doesn't address any of my concerns. 

**What I want is someone who has the authority from my mortgage company to reevaluate this with me. 

**Let 's be clear. The mortgage company response only addresses. Why your charging me for {$3200.00} a month instead of {$2600.00} a month. The answer was due to {$6500.00} in taxes and then insurance of {$1700.00}. However you can not breakdown where this {$6500.00} came from. Because my annual taxes is {$3900.00}!!!! 

This is my request. 
Please call me at the number ending in XXXX to address this. 

Also.. respond here to confirm how the $ XXXX in taxes came about.i want a breakdown. And after you give me a breakdown verify it's accurate. 

Let me break it down for you. 

The end of 2021 my escrow account had an ending balance of {$2900.00}. 
My taxes from XXXX thru XXXX would of been {$2600.00}. Which I had enough escrowEnough to pay. 

The mortgage company paid {$2900.00} ( because XXXX XXXX included late fees and interest because THEY paid them late. But I am being penalized. 

So.. for my taxes of XXXX is broken down to {$3900.00} in taxes ( correct ) {$1700.00} for insurnsce ( correct ) {$2900.00} ( not correct.. since I already had a balance of {$2900.00} in escrow for the 2021 year ) The charges of {$2900.00} is incorrect!!! And I would like someone not to tell me where the $ XXXX in escrow cane from but to review and confirm. That taxes you applied to my account is accurate which it is not. Why would you charge me for {$2900.00} when part is late fees and interest AND the rest I already had in my escrow account. 

INSTEAD I SHOULD BE CHARGED {$3900.00} and XXXX only. Which by XXXX XXXX in escrow monthly.
Consumer complaint received 2021-08-25
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. (AL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX XXXX XXXX Original creditor : XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 7. EQUIFAX MORTGAGE XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX CARD on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2022-04-15
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

XXXX was informed numerous times that they were in violation of Fair Credit Reporting Act. XXXX has failed to comply, and failed to provide me with reasonable procedures. This is my final offer to correct the erroneous conduct or I will seek to file for litigation. 

Notice : Mail Tracking ID : XXXX Notice : Mail Tracking ID : XXXX Please see and read all attachments below for further proof of claim and clarity on this matter. Thank You.
Consumer complaint received 2022-04-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LDF Holdings, LLC (TX)

Evergreen Services is doing the same thing that XXXX XXXX was charged with. They are located on an XXXX reservation. It lends small amounts of money with the payment schedule covering interest only and the option to pay off the loan directly is not made possible. They automatically keep you paying astronomical fees. Im embarrassed to have taken money from them but they need to be shut down.
Consumer complaint received 2020-02-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ZARVAD III S.A. (TX)

I asked for a XXXX XXXX dollars loan and I didn't know they send the money to my account and when the first payment is due two days  before I got the money. And not they are calling n email about I owe them XXXX now n try to sue for XXXX and I don know where all the come from. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2017-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

I am writing in reference to a released tax lien that is reporting on my Transunion credit report as Docket # XXXX. The lien has been released since XX/XX/XXXX. I have filed numerous investigations in efforts to having this public record removed both by phone & by letter most recentlyXX/XX/XXXX and it came back " Verified as Accurate '' XXXX. This same released tax lien was immediately removed by XXXX after 1 investigation. Under the new law effective XX/XX/XXXX any public record data must include Name/Address as well as SSN or DOB in order for it to appear in your credit file. Transunion has not updated their information & per the new law the Released Tax Lien listed does not include all the required information & should be deleted from my credit report.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

As a victim of identity theft, I am submitting another request for the removal of items from my credit file attributed to alleged identity theft. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), you are obligated to remove any items no later than four business days after XX/XX/XXXX. I have previously addressed this matter in the report enclosed with my prior letter, and I am resubmitting it here alongside the new FTC report, numbered # XXXX. Additionally, the information provided on these items is unfamiliar to me and has been expunged from other bureaus, raising doubts about its accuracy. This complaint serves as notification that failure to remove the listed items from my report may result in legal action. I have informed my legal counsel of my intentions, and they are prepared to take appropriate action in the event of willful noncompliance : XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$2300.00} XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXXTRANSUNION : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$2200.00} XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX  XX/XX/XXXX. I am issuing another warning. Please remove the items resulting from alleged identity theft.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Re : Inaccurate Reporting by Experian Dear Sir/Madam, I am writing to express my deep concern and frustration with Experian, one of the three primary credit bureaus, regarding the inaccurate reporting of my credit usage for the past year or more. I have diligently sought corrections multiple times without success, which has resulted in an unjust detriment to my credit score. 

Specifically, Experian erroneously continues to report an open XXXX XXXX card on my credit file when, in fact, this account has been closed. I have been in constant communication with Experian regarding this discrepancy, and every time I am informed that they have communicated with the respective company and updated the results. Regrettably, no actual changes have been reflected in my report. 

It's worth noting that I am currently in the second year of a debt consolidation program with Parachute Debt Consolidation, which mandates the closure of all credit accounts. This further underscores the inaccuracies in Experian 's report. Interestingly, the other two major credit bureaus are reporting my status accurately, not showing a staggering 64 % credit usage, as Experian does. 

Furthermore, during the unprecedented challenges of the pandemic, both XXXX XXXX and XXXX XXXX  XXXX XXXX refused to cooperate or offer a payment agreement, even as I faced significant financial hardship. Their stance has also added late payments to my credit report for several months, a reflection that does not align with my genuine efforts to make good on my commitments. 

My primary goal is to ensure that my credit score is a true representation of my financial responsibilities and behavior. It is disheartening that, despite my earnest efforts to resolve my debts and improve my financial health, certain institutions and entities are not supportive of this journey.

I appeal to the Consumer Financial Protection Bureau to intervene in this matter. It is essential for consumers to trust that the information reported about them is accurate and fair, especially when it has significant implications on their financial futures. 

I am seeking your assistance in ensuring that Experian corrects these inaccuracies promptly. It would be much appreciated if you could review this case and provide the necessary guidance to rectify the situation. 

Thank you for your time and consideration. I look forward to a swift resolution. 

Sincerely, yours, XXXX XXXX
Consumer complaint received 2022-04-15
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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
Consumer complaint received 2018-12-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MT)

My student loans are serviced through Navient. I have a repayment plan with consolidated federal direct loans that is income driven. The only problem with that is that this plan does not take all of my other debt into account. They strictly ask for income and never ask for existing debt. I have a mortgage, two car payments, and multiple credit cards to pay as well. There is no way I can afford a {$400.00} a month repayment plan. I owed {$49000.00} in student loans when I graduated in 2012 but have had to forbear my loan repayment since then because even on income driven repayment I can not afford it. I WANT to pay my student loans back but now I owe almost {$80000.00} in student loans because of interest. My husband and I both have two jobs, how is this even fair? Even when I call them and complain repeatedly that I can not afford it they will not take my existing debt into consideration. How am I ever supposed to repay them? Now I am out of forbearance all together and I can not pay my monthly amount. Do I just wait for them to start garnishing my wages? If I can't afford it now, how am I going to be able to afford that? Then how do I pay my mortgage? Car payments? Credit card payments? How can they get away with only considering income and not considering debt? There is no way I can work any harder than I already am. IT is super stressful. Is anything being done to revise how they handle student loan repayment with Navient? I am sure that I am not alone in this struggle. Please help.
Consumer complaint received 2022-04-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau Services Inc. (IL)

Credit Bureau Services, XXXX XXXX XXXX, XXXX XXXX, MO. XXXX, representing XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX MO XXXX sends me repeated bills that simply say " pay this amount '' followed by a dollar amount. No other information is provided ; no descriptions of any kind, no dates or locations of services, nothing at all. 

I have repeatedly requested that they provide me with verification of the debts that they allege that I owe and they refuse. They tell me that they can not provide that information, or any other details, because they claim it would violate the HIPAA law. Clearly, that is nonsense as all of my medical bills from other entities have always contained all pertinent details. 

Credit Bureau Services allege that I owe XXXX XXXX XXXX for 16 accounts and that my most recent bill dated XX/XX/2022 ( {$3100.00} ) is for all of them combined over a period of several years, yet only 3-6 amounts are listed on my credit reports and these total much, much less than what they claim is owed now. They told me to investigate the matter myself if I want details and verification. 

As a result, I have told them that I dispute all debts that they claim that I owe. I have asked that they indicate that I dispute their allegations on my credit reports, which they have also refused to do.
Consumer complaint received 2022-04-15
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (KY)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these Inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 As a consumer by law this account must be deleted immediately 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 As a consumer by law this account must be deleted immediately 3. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 As a consumer by law this account must be deleted immediately 4. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 As a consumer by law this account must be deleted immediately 5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2021 As a consumer by law this account must be deleted immediately
Consumer complaint received 2023-06-27
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 1666A 1666B 1666C 1666D 1666E and 1666F. Account Name : XXXX XXXX XXXXXXXX XXXX 
A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Privacy and Consent, there is no law stating that late payments have to be reported. 
This has to be a billing error and needs to be corrected, effective immediately. 
This company is causing my credit score to decrease with reporting of my late payments that is illegal and there is no law that states otherwise. 
I am asking that they remove all information from my credit report 's and that's all 3 bureaus including, XXXX XXXX.
Consumer complaint received 2020-02-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WELLS FARGO & COMPANY (TN)

Hello, XX/XX/XXXX I opened up a credit card acct. with Wells Fargo. The credit card was eventually Charged-off of my acct. with a balance of {$400.00} owed. In XX/XX/XXXX I decided to dispute the account and noticed that Wells Fargo had increased the amount due to {$670.00} and also added the late payment dates of XX/XX/XXXX and XX/XX/XXXX even though the acct was already Charged-off. I wanted to make sure this wasnt an illegal practice of aging or something different. Thank you
Consumer complaint received 2018-07-17
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: ERC (MA)

On my credit report is a negative entry of a debt that is more than seven years old. The XXXX is more than seven years ago. The debt collector bought the debt and " re-aged '' the account. 

original creditor XXXX current creditor XXXX ) XXXX Address XXXX XXXX XXXX XXXX, FL XXXX amount XXXX dollars I asked XXXX to remove this entry and they did not.
Consumer complaint received 2022-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (PA)

XXXX XXXX balance {$3300.00} account was closed now open with late payment which damaged credit score account was disputed but it still be reported XXXX XXXX  balance {$300.00} disputed account dispute was denied sent in correspondence to produce signed contract between themselves and me could produce attempted to settle with legal tender, tender rejected ( equalling discharge per XXXX XXXX ) have not communicated in 30 days refused to settle Portfolio Recovery balance {$640.00} disputed account dispute was denied sent in correspondence to produce signed contract between themselves and me could produce attempted to settle with legal tender, tender rejected ( equalling discharge per XXXX XXXX ) have not communicated in 30 days refused to settle LVNV FUNDING LLC balance {$980.00} disputed account dispute was denied sent in correspondence to produce signed contract between themselves and me could produce attempted to settle with legal tender, tender rejected ( equalling discharge per XXXX XXXX  ) have not communicated in 30 days refused to settle
Consumer complaint received 2022-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

XXXX XXXX balance {$3300.00} account was closed now open with late payment which damaged credit score account was disputed but it still be reported Portfolio Recovery balance {$300.00} disputed account dispute was denied sent in correspondence to produce signed contract between themselves and me could produce attempted to settle with legal tender, tender rejected ( equalling discharge per XXXX XXXX ) have not communicated in 30 days refused to settle Portfolio Recovery balance {$640.00} disputed account dispute was denied sent in correspondence to produce signed contract between themselves and me could produce attempted to settle with legal tender, tender rejected ( equalling discharge per XXXX XXXX  ) have not communicated in 30 days refused to settle XXXX XXXX XXXX balance {$980.00} disputed account dispute was denied sent in correspondence to produce signed contract between themselves and me could produce attempted to settle with legal tender, tender rejected ( equalling discharge per XXXX XXXX ) have not communicated in 30 days refused to settle