davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TN)

On XXXX XXXX XXXX started blocking access to my account with a pop-up ad, that can't be defeated without clicking on it. Clicking ANYWHERE on an ad can download a virus. Mr Cooper is a mortgage servicing company, and should not be allowed to force customers to take such a risk, just to use their services. I did NOT select Mr Cooper as a loan servicer, but my mortgage was 'sold ' to them by the company I selected. 
I contacted Mr Cooper via chat, and then with a phone call, but still can not access my account without interacting with their pop-up ad. 
I wanted to change the date of my auto-pay, because I'm not sure I will have enough money to pay it on the first ( tomorrow ). 
Their solution is to mail me a form that I can fill out and return via USPS. Not a lot of help for making a change tomorrow. 
NO financial company should be allowed to force customers to interact with dangerous Pop-up ads just to gain access to their account!
Consumer complaint received 2024-02-13
Product: Credit reporting 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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-02-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TN)

I applied for the SAVE plan in XX/XX/XXXX. It is currently XX/XX/XXXX and my application hasn't been processed. I have called and sent multiple messages regarding this issue. Every call I get someone in training who doesn't know and transfers me to a wait line for an hour plus. NOBODY can tell me why my application hasn't been processed. On top of this, I have a monthly payment due that I can not afford. Last week, they said they would submit a forbearance request, but now I'm currently on hold for them to see if that's actually the case since it's not updating online. If not, I will end up with a late payment on my account which I will not accept. I have reached out to this company so many times trying to find a resolution and they're not doing their part in " managing '' my student loan. 

This is also impacting my PSLF since they put my account in forbearance until they can get the application processed and I'm losing months of payments. This is extremely unprofessional and frustrating as a customer who has their loans with them when I had no choice in the matter.
Consumer complaint received 2023-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

The issue is causing me significant distress and XXXX to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/year> TRANSUNION RECIEVED THE 1099C FORM FROM XXXX XXXX  THAT I MAIL TO THEM AND THEY UPDATED THE BALANCE TO {$0.00} AND STILL REPORTING IT AS A CHARGE OFF BUT BY LAW ONCE THEY RECIEVED THE 1099C CANCELLATION OF DEBT THEY ARE TO REMOVE THIS ACCOUNT COMPLETELY OFF MY CREDIT REPORT LIKE XXXX DID PLEASE CONTACT THEM TO GET THIS XXXX XXXX  DELETED ASAP. USC 1681 THEY ARE VIOLATING MY RIGHTS ....
Consumer complaint received 2021-10-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (GA)

This account recently appeared on my credit report, I sent them a debt validation letter on XX/XX/2021 as of today I have not received any documentation to prove these two debts are mine. In the US law encyclopedia, XXXX XXXX, XXXX XXXX XXXX XXXX. Sections 90-93 ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor.
Consumer complaint received 2024-02-13
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. (FL)

TODAYS XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX po box XXXX XXXX, Texas XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which XXXX sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2023-06-30
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. (FL)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2020-05-27
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (IL)

I just received an email from Comenity ( the servicer for my XXXX  XXXX  credit card ) threatening to cancel my card and report the cancellation to credit bureaus if I do not make a purchase by XX/XX/XXXX, since I have not made a purchase since XX/XX/XXXX. I understand their right to close my credit account, but the tone of this communication is very threatening. I called Comenity and closed my account, but I am very disappointed in these tactics, especially in this time of economic downturn. 

Excerpt from email : Keep your XXXX XXXX Credit Card from being closed with only one purchase. 
Were Comenity Bank and we handle everything related to your XXXX XXXX Credit Card account. 

You may not realize it, but your XXXX XXXX Credit Card account hasnt been used since XX/XX/XXXX. Thats why were planning to close your account on XX/XX/XXXX. This means you wont be able to make any more purchases with this card and well let the credit bureaus know your account is closed.
Consumer complaint received 2023-06-30
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. (KS)

Ive sent numerous letters to all 3 credit reporting agencies about reporting 2 repo 's on my credit report from XXXX XXXX and XXXX XXXX i did not give them any written consent to report these. As law 15 usc 1681a2 states.
Consumer complaint received 2021-10-08
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

This account is being reported with repetitive CO marks which is a clear violation. Please review this account and provide me with complete information and up to date payment history, if your agency is unable to, please remove.
Consumer complaint received 2023-06-30
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. (TX)

XXXX XXXX SHOWS MY SECOND MONTH AS BEING LATE. I can promise be when I made my first trip augment and it was after the two months it took XXXX  time send the first bill and the credit card. I called them and they said since it was an online sue of the card and bill being lost they would not report my credit as a late payment. So nce I saw they didnt d the third month I paid off what was left closed the account. They are perpetrating a crime by falsely reporting the date of the last payment that was either their fault or the US MAIL either way my derogatory remark needs to be removed and replaced showing all payments made on time since nce they told me on their records phone call for security and training that they would not show the payment late.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

These XXXX inquiries are fraudulent and where not authorized by me XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXX. XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXX According to The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I need these items deleted immediately.
Consumer complaint received 2023-06-29
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. (MS)

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. 

The letters are stated with items and issues. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-13
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. (IL)

I have received a copy of my credit report, and Im disputing the following information that appears on my TRANSUNION report. 
XXXX XXXX XXXX has fraudulently reported on my TRANSUNION record. I am a victim of identity theft and I never opened this account. Please remove this inaccurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that this be removed completely and permanently from my credit report immediately. 
I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-06-30
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. (SC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX : {$470.00} XXXX XXXX XXXX Balance : {$470.00}
Consumer complaint received 2023-06-29
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. (MA)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.
Consumer complaint received 2024-02-13
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. (TX)

I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.
Consumer complaint received 2024-02-19
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

o On XX/XX/XXXX Bank of America had decided to close down my savings account o Between XX/XX/XXXX to XX/XX/XXXX, I have contacted both the Branch of Bank of America and via phone, finally was able to reach their customer service and fraud department, who was unable / willing to provide any reasons or remedy for correcting this false information. 
o Bank of America reported me for Suspected Fraud Activity via XXXX and refused to provide any basis for such conclusion despite several attempts by me to request for information or provide any required information. 
o I have never been involved in any fraud nor have ever used my bank accounts as a means for any fraudulent activities, anywhere at any time. 
o To my knowledge, my account was never used by any third party as a means of fraud or fraudulent activities. 

See further details in the attachment.
Consumer complaint received 2023-06-29
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. (TX)

This about Equifax credit bureau. My credit score went up from XXXX to XXXX. This was on XX/XX/23 to XX/XX/23 because they removed collection off my account. Called their agent because my credit score should have went up to XXXX. On XXXX XXXX if collection is removed goes up to XXXXpts instead only went up to XXXX pts. Two days later they add collection back on my credit and score went down to XXXX and add my credit card account my score went down again at XXXX. They removed XXXX XXXX  XXXX XXXX off again my score went down again instead of going up. My score is at XXXX now called them no help.
Consumer complaint received 2020-05-27
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. (OH)

This is the first time I have encountered identity theft. Ipulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

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.

has violated my rights. Or list of inquiries 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 2022-07-17
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

Went to dealership 2020 was promised and guarauteed my credit would only be ran inside the dealership. Instead unknowningly and without my permission, it was ran through mulitple finance companies. Following companies are below! 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-27
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. (OH)

This is the first time I have encountered identity theft. Ipulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible.
Consumer complaint received 2022-08-08
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: CITIBANK, N.A. (IN)

XXXX XXXX shows a report of citibank credit card payments for {$23.00} a month for the past 4 years. i do not have a citi bank credit card, but my ex husband does. his information is being reflected on my XXXX XXXX report. i am not associated with his banking at all. and if he should fail to pay his debt it will reflect on my credit report. i want his charges off my report