davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-27
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. (FL)

In accordance to the Fair Credit Reporting act, the accounts listed below have violated my rights. I have reached out to each credit reporting agencies multiple times and now my credit report show serveral inaccuracies. The following account show different report dates which is an inaccuracy that is hindering my credit profile. 

XXXX XXXX XXXX acct number : XXXX 15 U.S.C 1681 Section 602 A. States that i have the right to privacy. 

15 U.S.C 1681 Section 604 A section 2. It also states that a consumer reporting agency can not furnish a account with out 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 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. 

15 U.S.C 1681 ( A ) ( 4 ) States that : There is a need to insure that consumer reporting agencies exercise their grave responsibilites with fairness, impartiality, and respect for the consumers right to privacy 15 U.S.C 1681i ( 2 ) ( A ) States that : Before the expiration of the 5-business-day period beginning on the date which a consumer report agency recieves notice af an dispute from any consumer, the reporting agency must provide a relevant noticed at the listed address regarding the dispute process. 

All of the following rights have be violated and might I humbly add, as a natural humans person this has been the most frustrating process yet. I am exercising my last option before a take further legal displinary actions. It is with great hope that you all will insure the dudilgence of each credit reporting agency is carried out. Best regards, XXXX XXXX
Consumer complaint received 2023-10-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (NY)

I had a company by the name of pulze charge my card like 8 times in same day and I did not authorize these charges. I have disputed charges with square/cash app and all they denied chargeback and then closed my account which is bad business as I did nothing wrong. I want to be refunded for the unauthorized charges
Consumer complaint received 2024-02-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (NC)

I am enrolled in the PSLF program, as I am a XXXX XXXX. The PSFL has been approved and I have dates on employment that range XXXX years at the same qualifying XXXX 

The PSFL promises repayment of loans after 10 years/120 payments. I have made 12 years of qualifying payments. In addition, 3 years during COVID provisions should have been counted as well. 

I contacted Mohela, my loan service provider, when my federal loans were transferred to this agency to ensure my payment and PSFL dates were correct. 

The only way to communicate with this agency is to message them on their website. My first communication was responded to promptly and my employment was verified. The second message, asking for clarification as to why my loans were not yet forgiven was not responded to in over 1 month. The response was not an answer to my question. 

However, a month or so later, I got a letter stating some of my loans were forgiven. I am thankful for this. Unfortunately, these loans originated after other loans on my account which should have also been forgiven. Correspondence regarding this has not been addressed by Mohela. My response stated that payments were not counted towards my loan due to deferment. My loans were indeed in deferment while I was in my XXXXXXXX XXXX  beginning in XXXX. However, payments before that time were not accounted for correctly and my COVID relief credit was not applied either. Mohela is stating I only made XXXX payments toward the XXXX when in fact, I made over XXXX payments, not including the XXXX that should have been reflected during COVID provisions. 

There are XXXX loans from XXXX : {$9000.00}, {$6200.00}, {$22000.00}, and {$9300.00}. 
This is {$46000.00} that should have been forgiven. I am still being charged interest on this amount and being asked to make payments. This, I believe, is fraudulent and immoral. I am requesting help to get my loans forgiven, as outlined in the federal guidelines dictated in the PSLF.
Consumer complaint received 2019-07-14
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. ()

I am very unhappy with the equifax service as i wanted to pull out my credit score to buy a house for the first time ever and i heard that equifax is the only reliable credit report that the mortgage people accept. I pulled out the report and my credit score came out to be low and then i observed that there is one more name resembling to my name on my account and i had her all bank and job and phone account under my report which is incorrect and because of which reason i was unable to buy the house i wanted just because the mortgage people wont proceed without the report. I called equifax and i told them what wrong is happening with my account and i told them what account were mine and which all were not and the representative noted it all. He told me it would take 10-15 days to implement the changes made. I waited for another 15 days and got my new report which had the same lady 's accounts as well and nothing was changed on my file. Instead they removed my credit card without even my consent. I again called today and wanted to sort out things but they said it will take another 15 days and wanted me to fill out a dozen forms and send some documents. I again received an alert on my file that my address got changed now which was incorrect because i never chnaged my address. how can someone else make changes to my account and if i need to get things straight and correct then i have to fill forms and wait for a period which totally is baseless and does not make any sense to me. Now someone else is operating my account as i should say that it is an identity theft and i am not being helped accurately. I am very annoyes and i wish there was some another company in competition with this company so that there is professionalism and accuracy maintained and so they will know if they dont provide accurate report then the company opposite them will. That is my personal opinion as equifax here is just wasting peoples time and doing nothing. I have wasted so much of time and missed the houses i wanted to buy just because these people have played with my identity and account. Its XX/XX/XXXX today and it has been a month now but still someone else is operating my account. I need an action against this please. I want all the accpiunt removed from my account which are not mine asap. I am also including the report and please confirm with me about my accounts.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch (NJ)

CASTLE CREDIT CO HOLDING Account type - Home Imp Loan Date opened - XX/XX/2022 Above Account created under CASTLE CREDIT CO HOLDING without my consent. It does not belong to me and should be deleted and removed from all three credit bureaus under my credit file immediately please. 
According to15 UCS 1681s-2 - a person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that in formation is inaccurate.
Consumer complaint received 2023-06-25
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: Experian Information Solutions Inc. (MA)

This past Spring of XXXX I began the process of applying for a mortgage to buy my first home at the completion of my extensive years-long XXXX XXXX Upon applying for the XXXX  mortgage, I was denied due to my inadequate credit score of XXXX, failing to meet the minimum of XXXX. This also precluded me from qualifying for a conventional mortgage due to my credit history. The only derogatory account on my credit report dated back to a XXXX  XXXX XXXX credit card ( with a limit of only {$5000.00} ) that I opened in XXXX XXXX to pay for travel in XXXX related to applying to and interviewing for XXXX, a mandatory XXXX training requirement. The card was slated to expire on its own in XX/XX/XXXX and was paid off in full by XX/XX/XXXX with the balance reaching {$0.00}, having never missed or delayed a payment. Evidently, an annual fee of {$25.00} was charged to the account in XXXX or XXXX of XXXX and I overlooked this, given that the account was paid off, no longer in use, and set to expire in the coming months, and thus no longer on my radar. Unfortunately, I did not recognize this oversight until XX/XX/XXXX when I received notice the credit balance had been reduced on the card due to my failure to pay the pending balance of {$56.00} ( after additional late fees were charged ). I paid off the balance immediately and closed the account as quickly as I could that same month. 

When I applied for a mortgage in XXXX of this year, this months-long failure to pay remained on my credit history ( despite being more than 48 months old ) and significantly impacted my credit and ability to qualify for the much more competitive rates of the XXXX  mortgage. More egregiously, when I called XXXX  XXXX XXXX to address and clear this history, I was told by multiple people at multiple levels of their ranks that there was no record of my ever having an account with them and was told there was nothing they could do to correct this issue. I have since had to submit petitions with the credit agencies outlining all of the above in an effort to correct my credit history. This behavior on the part of XXXX  XXXX XXXX has significantly impacted my credit standing and the lending options I had available in purchasing a home. Given the significant difference in interest rates between the XXXX  mortgage I was pursuing and the mortgage I ultimately qualified for, this may well cost me multiple tens of thousands if not hundreds of thousands of dollars over the lifespan of the mortgage, all due to a lingering unpaid fee of {$25.00} that arguably should not have been charged to the credit card account in the twilight of the card 's existence. In addition, XXXX  XXXX XXXX 's failure to correct the issue with the credit bureaus or rescind the derogatory account after 48 months is unacceptable and predatory.
Consumer complaint received 2020-12-16
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. (CA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknow items on my credit report. 60 days has passed i have not received anything from any of the credit agencies. I feel like they have ignored my disputes and I feel they have taken advantage of me by not looking into my request. section 611 ( a ) clearly states that failure to investigates theses items within 30 days they should be deleted promptly. I demand these accounts to be deleted immediately or i will file for litigation due to stress and mental harm you it cause me. My information was also impact by the XXXX data breach which is a big concerned.
Consumer complaint received 2019-09-17
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. (GA)

MY myequifax account was locked so I called the company to have it unlocked but it showed my sister account information instead of mine, so I tried to create a account with my information and wasn't able to because it said that there was already one made. Also tried putting in multiple disputes to have the information the information on myequifax changed but when I put in the in the reference number in they are not able to find the dispute.
Consumer complaint received 2019-07-14
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. (TN)

I recently reached out to the credit bureaus to Get them to verify my bankruptcy. my results came back verified but the court house do not share information with third parties like bureaus. The law states that they must verify with the original furnisher which is the court. The bureaus are in violation of the law and I demand this bankruptcy and bankruptcy accounts are deleted due to improper verification. I have enclosed documents showing that the courthouse doesn't share information with credit bureaus. I also put a freeze on my XXXX XXXX, which they stated they got the information from. Clearly another lie because I put a freeze on it and they are not the original furnisher of bankruptcy information. I know the laws and I'm prepared to exercise them.
Consumer complaint received 2022-08-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance to the Fair Credit Reporting act, the accounts listed below have violated my rights. I have reached out to each credit reporting agencies multiple times and now my credit report show serveral inaccuracies. The following account show different report dates which is an inaccuracy that is hindering my credit profile. 

XXXX XXXX XXXX acct number : XXXX 15 U.S.C 1681 Section 602 A. States that i have the right to privacy.

15 U.S.C 1681 Section 604 A section 2. It also states that a consumer reporting agency can not furnish a account with out 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 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. 

15 U.S.C 1681 ( A ) ( 4 ) States that : There is a need to insure that consumer reporting agencies exercise their grave responsibilites with fairness, impartiality, and respect for the consumers right to privacy 15 U.S.C 1681i ( 2 ) ( A ) States that : Before the expiration of the 5-business-day period beginning on the date which a consumer report agency recieves notice af an dispute from any consumer, the reporting agency must provide a relevant noticed at the listed address regarding the dispute process. 

All of the following rights have be violated and might I humbly add, as a natural humans person this has been the most frustrating process yet. I am exercising my last option before a take further legal displinary actions. It is with great hope that you all will insure the dudilgence of each credit reporting agency is carried out. Best regards, XXXX XXXX
Consumer complaint received 2023-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

This complaint is in regards to my previous complaint to CFPB ( complaint # XXXX ). XXXX XXXX says they reported my account as delinquent past 30 days, which is inaccurate. I closed my account with XXXX XXXX, and I had it paid off when I closed it. Then, XXXX XXXX says that they reported my account accurately to the credit reporting bureaus as delinquent, when, in fact they made adjustments and just recently sent me a refund credit in the mail via check in the amount of {$43.00}. Now, I expect XXXX XXXX to fix their reports to the credit bureaus from delinquent to paid on time and card closed. XXXX XXXX would not have issued me a credit refund check of {$43.00}, if the account was not paid off. I have not made any additional payments to XXXX XXXX, which indicates that they card was paid off at the time of closing. It further appears that I actually had overpaid my balance at the time of closing, or XXXX XXXX would not have issued this {$43.00} refund check. Please have XXXX XXXX fix their reporting to the credit bureaus as non-delinquent, and then this matter will be resolved once and for all. Thank you.
Consumer complaint received 2022-08-27
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: SYNCHRONY FINANCIAL (GA)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, have violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 States a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-07-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MS)

Previous complaints : # XXXX and XXXX 1. Statement dated XX/XX/XXXX indicated {$5000.00} due for payments XX/XX/XXXX thru XX/XX/XXXX. False info : XXXX payments were posted XXXX XXXX and XXXX XXXX ; XXXX payment was posted XXXX XXXX and XXXX payment was posted XXXX XXXX. 

2. Mortgage payments for XXXX and XX/XX/XXXX were returned XXXX XX/XX/XXXX. 
Reason Given : " The payments are not sufficient to full reinstate the account ''. 

3. Received letter dated XXXX XX/XX/XXXX from XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, RE : Nonjudicial Foreclosure ( File # XXXX ) ( XXXX ) XXXX XXXX. Violation of Privacy Act : Received a letter, mortgage payment history, and banking information for another customer : XXXX XXXX, Acct # XXXX dated XXXX XX/XX/XXXX.
Consumer complaint received 2023-06-25
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: Experian Information Solutions Inc. (FL)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2022-08-27
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: Experian Information Solutions Inc. (FL)

The accounts listed on my consumer report contain late payments. I have disputed this with this burau and have not been sent any proof that the late payments are accurate. I was never late with any payments. 

Pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Wouldn't this be considered an experience Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2019-07-13
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. (GA)

I have called and spoke with all three Credit Bureaus XXXX, XXXX, and Transunion about XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX credit cards being filed in BK XXXX. They have not made any changes to my file as XXXX XXXX  was filed in BK before showing charged off. How can you show a charge off when it was filed in BK? This is lazy on their part and their plan to keep you stuck in a system when you are trying to rebuild your credit. I will attach the file with the list of accounts that XXXX, XXXX, and Transunion is still showing active or has charged off on it. These accounts should show filed in BK and now we are passed my discharged  stage as the accounts are now discharged.
Consumer complaint received 2019-03-15
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. (NY)

XXXX XXXX XXXX is reporting a debt collection account on my TU credit report. That debt is not mine. I have contacted XXXX XXXX XXXX over two months ago to remove it. They sent me a letter confirming that they will remove it from my credit report but unfortunately they never did.
Consumer complaint received 2019-01-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

My XX/XX/2019 payment was auto drafted for more than double the amount of the payment. I promptly logged into the Shellpoint Mortgage Servicing website and saw that my escrow analysis had been redone. I quickly saw that Shellpoint had forced placed insurance on the home, even though in XXXX  they listed themselves as lien holders on all my insurance policies. These insurance policies have been in place the entire duration of this loan. I also saw they had listed county and school taxes. These taxes are not associated with this home, and taxes are not escrowed with this loan.

I called Shellpoint on 1/2 and explained these errors. They notified me that the correction process would take a few weeks. I have emailed and mailed Shellpoint all copies of my insurance, and sent a letter explaining the errors. I have continued to call back, at least twice a week, for updates. A few times I was told that they would have a resolution by 1/19. Today, I was told they still have no resolution. The taxes still need to be reviewed and escrow analysis done again. My escrow account has not been refunded the erroneous forced place insurance policies. I confirmed with them that I owe a 2/1 payment, and it is still more than double the amount it should be.

How many people can afford to make two mortgage payments in one month 's time? That is what they have done to me, and are trying to do for the second month in a row.