davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (VA)

My mortgage was paid off in the year of XXXX. I discovered that the final escrow disbursement check had been placed in my mailbox was behind the mailbox, between the vinyl siding and the back of the mailbox. I discovered the letter containing the escrow check on XX/XX/XXXX. 

The date on the check was XXXX, so on the XXXX of XX/XX/XXXX, I contacted Truist Bank and was notified that they would expedite payment of this check and now the day is XX/XX/XXXX, I do not consider this as being expeditious. I have called the client services toll free number and made a in person visit to the local branch bank and received no adequate resolution. 

Please assist in getting the bank to return my escrow that they owe me. 
I feel that a reasonable expectation of " we will expedite this sir| '' would be 3 to 5 days, and now it has been almost a month this is not treating valued CONSUMER well. 

As the CONSUMER FINANCIAL PROTECTION BUREAU my expectation is that you use your full weight and authority of your agency to apply pressure on this financial institution, TRUIST to get my money they owe as expeditiously as possible. 

Thank You very much
Consumer complaint received 2019-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (AR)

LVNV Funding, LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NV XXXX LVNV Funding LLC is reporting two accounts they can not validate I owe them money. They have failed to provide name and address of the alleged creditor, alleged debtor, alleged account number, address on file for the alleged debtor, the alleged debt amount, date alleged debt became payable, date of original charge off or delinquency. They have not advised if the debt was assigned to the LVNV Funding, LLC, or purchased. They have not provided the amount of debt was purchased. 

They are reporting to the three reporting agencies the accounts as recently opened when they have reported the two accounts for years.
Consumer complaint received 2022-03-17
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. (TX)

In accordance with the fair credit reporting act ( XXXX XXXX XXXX ) has violated my right 15 U.S.C 1681 602. A states I have the right to privacy. 

15 U.S.C 1681 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction
Consumer complaint received 2019-07-11
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. (NY)

Hello This complaint is against the credit reporting company Trans Union. I noticed some discrepencies on my credit report so I put a credit freeze with XXXX.on XX/XX/2019. I then notified Transunion with a writtent letter dated XX/XX/2019 requesting them to verifiy certain accounts showing on my report They were a Bankruptcy and a bank account from XXXX  XXXX XXXX. Trans Union never responded to my verify investigation request. 

I called XXXX on XXXX XXXX they stated that no one has requested or attempted access to my account this year. I told trans union that they are in violation of my consumer rights and demand that these two accounts be removed from my report immediately. 

I also wrote them a second letter and mailed it on XX/XX/2019 stating that they are in violation of my consumer rights and demand that these two accounts be removed from my report immediately. Please investigate these compnaies because what they are doing is wrong
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2022-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please UPDATE the following accounts completely from my Credit Reports : XXXX XXXX XXXXD XXXX XXXXD XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-03-17
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: Experian Information Solutions Inc. (CA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please UPDATE the following accounts completely from my Credit Reports : XXXX XXXX XXXX  XXXX XXXXD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-03-17
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: EQUIFAX, INC. (CA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please UPDATE the following accounts completely from my Credit Reports : XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2022-03-17
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. (CA)

In XXXX of 2022 I discovered incorrect information being reported on my credit report. I sent letters that were received in XXXX and again in early XX/XX/2022 about incorrect information on my credit report. As of XX/XX/2022 the incorrect information is still on my credit report. I am requesting that the incorrect information be removed from my credit report.
Consumer complaint received 2022-03-17
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report XXXX percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (HI)

Midland credit is a debt collector as denied by 15 usc 1692a ( 6 ) I XXXX ; XXXX for XXXX XXXX am a federally protected consumer as defined in 15 usc 1692a ( 3 ) 15 usc 1692c ( a ) states that a debt collector may not contact the consumer without prior consent. 

Midland is also in violation of 15 usc 1692d ( 5 ) with the repeated called to my line despites whether or not the calls were answered Midland credit does not and did not have consent to contact me for any reason and request that they cease and desist all forms of communication in relation to this debt. This includes any reporting on my credit report. 
15 U.S. Code 1692k - Civil liability for every violation of this section, midland credit will owe {$1000.00}.
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2022, I logged in on Transunion 's website to look at my credit report. I noticed an account that stated the estimated removal date to be XX/XX/2022. I called Transunion, and explained to customer service, since today is XX/XX/2022. She explained on her end, it shows the account will be removed in XX/XX/2022. I told her I was still logged in, and the account shows me it will be removed XX/XX/2022, and then requested to speak to a supervisor. The supervisor, XXXX, proceeded to tell me the same information, that on his end, it shows that account will be removed in XX/XX/2022. I, again explained what I saw on there website, and also saved and printed that information. I explained to him, that is a violation of the FCRA.
Consumer complaint received 2022-03-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NJ)

I am currently in a pandemic forbearance plan with Mr. Cooper that will end XX/XX/XXXX and would like to defer the past due balance to the end of the loan. I spoke to a member from the military families teams at Mr. Cooper a few times over the past few weeks to get this set up but was told that I am not eligible for either a loan modification or a deferral, and that I would need to pay the full balance due by XX/XX/XXXX. 

I was told that the loan modification was not possible because I previously had XXXX modifications on my loan. I would like to know the dates of the XXXX modifications Mr. Cooper believes occurred on this loan. 

Additionally, if there are XXXX modifications and this eliminates loan modifications as a possible option on Fannie Mae backed loans, XXXX very upset that Mr. Cooper neglected to share that information in the Forbearance Plan acceptance letter dated XXXX XX/XX/XXXX that was sent to me listing that a loan modification might be a possible option. While Mr. Cooper did not guarantee it would be an option, they also withheld the information they already had about my loan which would have shown it was never an option and most certainly would have changed my decision. This was a very unfair representation of the possibilities and a deceptive practice that has now put my family 's home at risk of foreclosure. 

I was also informed that the deferral of the past due balance was likewise not possible as the forbearance plan I am currently in is not pandemic related. I was shocked to hear this as I had to answer the covid 19 questions to request not only the initial forbearance, but every single extension since then. Additionally, every document sent to me from Mr. Cooper pertaining to the forbearance clearly states, Pandemic Forbearance Plan. While speaking with the representative from Mr. Cooper, he told me that his system showed that I was in the current forbearance plan since early XXXX. This isnt even possible since I was completing a loan modification in XXXX of XXXX and received my last mortgage statement before entering the current pandemic forbearance plan on XXXX XX/XX/XXXX. I sent Mr. Cooper the XXXX mortgage statement, pandemic forbearance acceptance letter, and the subsequent extension letters to show them everything they had sent me and what it said. 

I also sent Mr. Cooper a copy of my payment history showing the payments I have made since XX/XX/XXXX, which equal or exceed the amount of my month mortgage payment due and should clearly demonstrate my ability to make the mortgage payments going forward. I am not asking to get away from any debt that I owe. I simply request that the past due balance be deferred as was offered as a possible solution throughout the pandemic forbearance plan they offered me.
Consumer complaint received 2021-09-25
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. (CA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-09-08
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. (NY)

Equifax was hacked and their website indicates my personal credit data may be among the files compromised. This is an inexcusable breach of security on the part of a company that never received my consent to collect such data on me in the first place. In addition, recent media reports indicate executives at Equifax knew about the breach and took steps to protect their personal profits before informing the public about the breach.
Consumer complaint received 2022-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Synovus Bank (WA)

As part of this work, the Civil Rights Division is tasked with enforcing the Servicemembers Civil Relief Act ( SCRA ), 50 U.S.C. 3901-4043. ... The SCRA is a federal law that provides protections for military members as they enter XXXX XXXX. The funds applied to the card are though my personal trust fund. The company had not sent out any mail regarding late payments to the address on file and felt obligated to report to the credit bureaus negativity effecting my credit score and security clearance as a federal employee. 

I do not agree with the companies policy of waiting 10 weeks to receive my refund.
Consumer complaint received 2022-03-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TX)

I completed the process to receive PSLF in XXXX 2021 and received a letter stating I would not receive credit for my previous loans payments if I consolidated. I qualify under the new waiver, but did not continue with the consolidation because of this letter. After researching, I know the letter had incorrect information that kept me from continuing my process to receive PSLF. I now have to start the process all over again and contact my service providrs to see if I can still consolidate because FedLoan sent me incorrect information.
Consumer complaint received 2024-03-11
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. (FL)

I have recently reviewed a copy of my credit report. currently very upset someone is applying under my information I have been a victim of identity theft. i found numerous inquiries on my report that were not done by me. this has been affecting and hurting me as I am now in the process of purchasing a home y on the way Please remove unauthorized inquiries & accounts from my credit report As soon as possible please see attached.
Consumer complaint received 2018-07-24
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)

Equifax. They show my current address to be in North Carolina. I have never lived in North Carolina. I have lived at my present address in Alabama for ten years. When I talked to them, they shrugged and said it was reported by a merchant and it was staying on my report.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are not complete and accurate.

I sent a letter asking them to make sure everything is complete and accurate.

They haven't sent me back anything about the investigation. They are ignoring my disputes.

And according to nd according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

and according to 15 USC 1681s-2 they are suppose to 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 2022-03-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2022 I used my chase bank app and sent {$XXXX} to someone that was imposing to be a dog breeder, which later turned out to be a scammer. I contacted the bank since i used the chase XXXX XXXX to send money. They said they wasn't able to refund me or even reverse the transaction after i told them it was a scam. They said it wqas done using XXXX, which is a third party so i contacted XXXX  customer service and they were also not able to refund me my money. The scammer blocked all of my numbers and i have absolutely no way of getting my money back. Please hep!
Consumer complaint received 2022-03-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Remex, Inc. (NJ)

Remex ( Revenue Management Excellence ) sent collection notice back in XX/XX/XXXX and XXXX of XXXX, I sent a debt verification letter for both notices. 

In XXXX Remex ( Revenue Management Excellence ) only sent a copy of a bill but nothing with my signature or any other additional information, instead sent paperwork to the credit bureau to dispute my dispute. 

In XXXX Remex ( Revenue Management Excellence ) sent a collection notice again, I sent a debt verification letter again, got a response XX/XX/XXXX, and was told " because verification was provided multiple times or to provide verification after the 30 -days validation period under 1692 has expired ''.