davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Dear Sir/Madam, I am writing to you regarding discrepancies in my credit report that have come to my attention. After reviewing my credit report, I've noticed inconsistencies in the reporting of the XXXX account, which is affecting the accuracy of my credit profile. 

As per the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., consumer reporting agencies like yours are mandated to maintain accurate and fair credit reporting. Specifically, under Section 1681e of the FCRA, it's required that consumer reporting agencies adopt reasonable procedures to ensure maximum possible accuracy in the information they report. Furthermore, Section 1681i grants consumers the right to dispute inaccuracies and request investigations into disputed information. 

Upon reviewing the credit report provided by your agency, I've noted the following discrepancies regarding the XXXX account : XXXX : No. of Months ( terms ) is reported as XXXX, while TransUnion and XXXX report 63 months. 

Date Last Active is reported as XX/XX/XXXX, while TransUnion and XXXX report XX/XX/XXXX. 

Two-Year payment history for XX/XX/XXXX is missing. 
TransUnion and XXXX : Date of Last Payment is reported as XX/XX/XXXX, while XXXX reports XX/XX/XXXX. 
Two-year payment history for XX/XX/XXXX is missing. 

These discrepancies not only violate the FCRA 's requirement for accurate reporting but also undermine my ability to access credit on fair terms. Therefore, pursuant to the FCRA, I kindly request that you immediately investigate and rectify the inaccuracies in the reporting of the XXXX  account on my credit profile. 

I understand that the FCRA mandates a prompt investigation and resolution of disputes within 30 days of receipt of a consumer dispute. Thus, I kindly request that you provide written confirmation of the removal of the inaccurate information from my credit report within this time frame. 

Thank you for your attention to this matter. I trust that you will address these discrepancies promptly and in accordance with the law. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-06-17
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. (TN)

MY PERSONAL INFORMATION HAS BEEN COMPROMISED AND THERE ARE FRAUDULENT ACCOUNT ON MY CREDIT REPORTS EQUIFAX XXXX AND XXXX ARE REPORTING INCORRECT DATA AND ACCOUNTS THAT DO NOT BELONG TO ME AND THERES ALSO ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX 2. XX/XX/XXXXXX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX 4. XXXX XXXX 5.XX/XX/XXXXXXXX. OF XX/XX/XXXXXXXX 6. XXXX BANK, XXXX XXXX ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME WHICH WAS ALSO USED TO OPEN UP FRAUDULENT INSTALLMENT LOAN ACCOUNTS IN MY NAME I HAVE FILED A POLICE REPORT ABOUT THE ACCOUNTS FROM THE FOLLOWING CREDITORS I HAVE BEEN DISPUTING THIS MATTER SINCE 2021 AND THE CREDIT BUREAUS ARE NOT RESPONDING IN A TIMELY MANNER AND THEY ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME ALONG WITH THE FACT THIS IS HAMPERING ME FROM HAVING GOOD CREDIT
Consumer complaint received 2022-06-17
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: Experian Information Solutions Inc. (TX)

In Accordance with the fair Credit Reporting act XX/XX/XXXX Account number XXXX XXXX XXXX and Account number XXXX XXXX has violated my rights 15 U.S.C section 602A. States I have right to privacy. 15.U.S.C.A section 2 : it also states a consumer reporting agency can not furnish a without my written instructions.
Consumer complaint received 2022-06-17
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: Experian Information Solutions Inc. (GA)

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

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (VA)

Submitted documentation for XXXX on XXXXXX/XX/XXXX and it stated 30 day turn around. I was waiting to see if my loans may have been forgiven before I made payments. The results were just processed on XX/XX/XXXX and I am now way behind on payments. They are also not offering any type of forbearance on the account until they processed the new application.
Consumer complaint received 2022-06-17
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX Acct # XXXX, Chapter XXXX bankruptcy Acct # XXXX, Chapter XXXX bankruptcy Acct # XXXX, XXXX XXXX BANK Acct XXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-10-07
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. (NJ)

Ive submitted police reports, identity theft reports and countless emails showing that first progress account was due to fraud they refuse to take it off my credit report even with all the documents I gave them because they claim the company provided them with my first and last name and my birthday which is information that anybody can get off of any social media platform so how exactly can they prove something to be accurate when Im giving experian all this information even a police report showing that its not
Consumer complaint received 2022-11-08
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

I submitted my ID and SS Card that showcases my name, DOB & SSN. I requested that the credit bureaus update my name correctly as it was showing incorrect on my profile and remove multiple fraudulent accounts from my credit profile due to identity theft. The credit bureaus updated my name only and did not remove the fraudulent accounts and I provided them with police reports and identity theft reports from identitytheft.gov I have been trying to get this issue resolved for more than 6 months. They file disputes and then give the companies my current address and say they verified to be correct. The companies then send documents to me in the mail that has a different name XXXX XXXX. My name is not XXXX XXXX. My name is XXXX XXXX XXXX. XXXX XXXX XXXX has not contracts or accounts with any of these companies. I provided them with all documents. XXXX has corrected and blocked this information. 

Experian will not remove the fraudulent names, addresses or accounts from credit file. 

XXXX removed the fraudulent names but will not remove the fraudulent accounts. 

They will not provide information to me on how they are verifying these accounts how are they submitting disputes on accounts with my name XXXX XXXX XXXX and the accounts coming back verified to a XXXX XXXX. These are two different individuals and is identity theft.
Consumer complaint received 2020-11-21
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: I.C. System, Inc. (WA)

XXXX  keeps reporting a debt from 2009, the company IC systems they continue to report about has been disputed twice and removed from other bureau 's. This debt has no supporting documentation from the collection agency, nor has ever provided me with any such documentation. XXXX  is continuing to report something that is 1. ) too old and 2. ) not even valid and has no supporting documentation from XXXX XXXX. this is from XXXX trying to keep me in a contract that was only 1 year old and required renewal. I never renewed with XXXX XXXX and all of my dogs Dr bills were PIF and they actually refunded me like {$9.00} in the store due to this being a confused mess. There is no 2nd year of doggie insurance EVER requested nor approved by me. If they want to collect they need to provide documentation YET IT '' S OVER 7 YEARS OLD.

I have done everything I can do to remedy this but as stated there is no contract, no signed documents, nothing that supports this debt and further nothing to verify the debt and again they refunded me aprox {$9.00} after this mess. 

If there is they should have provided it to me from 1. ) XXXX back in 2009 and 2. ) From IC Systems and 3. ) from XXXX. NOT 1 place has ever provided me with documentation OF THIS DEBT. Just says it's owed but no signed document from me or anything of the sort. 

I am requesting a remedy and/or Valid documentation to be provided NOW. 

Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (SC)

I am unable to fix this issue with MOHELA because I have such difficulty getting someone to help. I have called about why some PSLF payments are not counted though I was employed where they should count. I was going to be on hold for 50min so I elected to have a call back. XXXX XXXX XXXX XXXX XXXX XXXX XXXX so I can not just wait on the phone for the estimated 50min they told me because I have to take care of patients. They call back came and I answered on the first ring. Somehow MOHELA hung up and left a voicemail stating they could not reach me. This is false. I am now trying to call back and leave my phone on so I can answer but it has been almost 40 min this time. No one has the time in their work day to wait 30, 40 min or an hour for help with something as important as our loans. And MOHELA knows that we dont have time and they hope we just keep paying and not getting assistance. But we can not stand up for ourselves. Are you able to help myself and many other borrowers have better service especially those who actually will pay the loan. We just need them to answer our questions.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

There are still things that need to be blocked or deleted, but I appreciate your help in getting some of the unlawfully obtained data from my credit file removed. In compliance with FCRA section 605 of the regulations, you have to delete any records mentioned in an ID THEFT REPORT. Since I proactively remembered it for a prior letter, I am including this report again. My counsel has been made aware of my plans, and they are prepared to hold you responsible for your continuous disobedience. 

XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  HI XXXX ; XXXX XXXX XXXX XXXX XXXX HI XXXX ; CXXXX XXXX XXXX XXXXXXXX Account Balance : {$480.00} ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Balance : {$11000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (AL)

My card was used to make the following purchases between XX/XX/2023 - XX/XX/2023 : {$56.00}, {$5.00}, {$50.00}, {$75.00}, {$710.00}, {$27.00}, & {$2400.00}. I reported this to NFCU and they were reluctant to give me a credit knowing the emergency we were in because of this. They do not want to refund me my money that was defrauded from me.
Consumer complaint received 2019-05-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX and Transunion are reporting incorrectly that I am 60 days past due on the XXXX XXXX  XXXX - partial account number XXXX. ( Please see pages 2 and 3 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2016-11-15
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (IL)

I tried to log in to my XXXX Credit card and was not able to. When I called, i was told by the customer service representative that the account is closed due to inactivity. I did not receive any information that my account is going to be closed due to inactivity and having the account open since XX/XX/2011, i did not remember the terms and conditions. I asked for the terms and conditions to be sent to me so i can confirm that indeed that account was closed accurately and was advised that i will receive the terms and conditions in mail. couple weeks later i received a letter advising that XXXX XXXX Synchrony Bank XXXX does not maintain copies of credit card agreements for closed accounts. So there is no way for me to know the accuracy of closing my account.
Consumer complaint received 2022-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I received my paycheck a day late, and I needed to pay bills that day. I went to the issuing bank ( XXXX XXXX  on XXXX XXXX ) and cashed the checks. I then went directly over to a Bank of America ATM ( XXXX XXXX branch ). I went through the cash deposit process. I deposited approximately {$3200.00}. The machine was taking a while, then it changed to a screen saying we were unable to count your deposit due to technical difficulties. It then took me to another screen and asked me to give an estimate of my total deposit. I wrote XXXX. It then deposited only {$300.00} into my account. I received a receipt with a claims number to call. I filed the report and was told itd be a day or two. I still havent received my money. I have since overdrafted my account and I am late on important bills. A quick internet search revealed that this happens quite frequently, and people dont always get their money back. Id like to see the ATM footage of me depositing cash. This missed paycheck would really mess up my life.
Consumer complaint received 2022-06-17
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. (GA)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SUNCOAST CREDIT UNION (FL)

They are merging debit transactions into ach and charging nsf fees as if a check was processed. No checks were written, no bearer documents processed. All fees were charged against automatic clearing house transactions or debit transactions. The fees are therfore illegally placed under laws describing and allowing said fees against checks. Furthermore none of the fees are the result of any real world loss or payment by the bank such as covering said transactions. Fees total {$140.00} for 5 alleged attempts.
Consumer complaint received 2022-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

After receiving a copy of my report that I ordered a credit report with XXXX XX/XX/2022, I called Transunion since I saw some UNVERIFIABLE items XXXX  XXXX XXXX XXXX XXXX XXXX XXXXon my personal profile which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. A copy of my Utility Bill, drivers license, W2 for my Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Transunion not blocking these items are inadvertently resulting in me being extorted.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY (IL)

Wells Fargo transferred my mortgage to XXXXXXXX XXXX XXXXXXXX in XXXX and fraudulently added costs from my XXXX modification which was rolled into the modified mortgage so I was charged twice. In addition, they added negative comments to my credit reports that preceeded my XXXXXXXX XXXX XXXX bankruptcy, which has not been on my credit report for 6 years. This has affected my report negatively and is in retaliation to my previous complaints. I am ready to take this to the FTC and seek compensatory damages.
Consumer complaint received 2020-11-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Innovate Managed Holdings, LLC (GA)

XXXX  is a XXXX organization that nourishes off destitute XXXX American  consumers. NO! XXXX Lives do not matter to them when they are complicit with collection agencies to deceive consumers. In particular, XXXX American consumers. I have begged them to remove Innovate Loan Servicing Corp. and XXXX XXXX XXXX from my credit file. I have told XXXX  for years that these two tradelines are one of the same and fraudulent. The auto dealership owner has been put in jail, and the city of XXXX, Georgia, has closed the business due to severe criminal activity. XXXX  is very aware of this dealership. Yet, they have made a reckless decision to put profit over the welfare of me, the innocent consumer. Somebody stole my identity and fraudulently used it, and XXXX, this XXXX and corrupted organization, stubbornly refuse to make the appropriate gesture in good faith by removing those fraudulent items. When will XXXX  be punished for their corrupt commotions? I went through the Consumer Financial Protection Bureau to prove my case, and XXXX  still refuses to remove these fraudulent tradelines. It is regrettable!
Consumer complaint received 2020-07-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC (FL)

Was in the hospital for a XXXX XXXX for 5 days I have XXXX and XXXX secondary insurance I did not know I would have to pay out of pocket for the 5 day stay in the hospital.I got a bill for {$810.00} I am a senior citizen on a fixed income and started to pay {$20.00} a month to XXXX XXXX XXXX in Florida got the bill down to {$690.00} and they sent a remaining account balance due statement that I should pay a total of {$120.00} total amount due. I paid the {$120.00} in full to XXXX hospital. I have all paper work and a copy of the cancelled check I sent.. 

In XXXX or XXXX a get a notice of debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX that I owe {$780.00} for my XXXX Hospital bill what should I do about it??
Consumer complaint received 2018-03-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was told that my monthly payment would be XXXX a month. It quickly escalated to XXXX a month then XXXX a month by switching it from bank to bank which was several, I was contacted by Bank of America and told not to pay my mortgage for several months then apply for a home modification loan that caused me to fight in court for over 1 year and was told based on there guidance that I was losing my loan as a first time buyer. 

In the meantime the three credit reporting agencys continue to deny my rights under the FCRA regarding reporting fraudulent mortgages that are disputed.
Consumer complaint received 2022-06-17
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)

I ordered a copy of my report in XXXX dated XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Experian has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX Late Dates : XXXX for I believe it was reporting in error.