davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PERDUE BRANDON FIELDER COLLINS & MOTT LLP (FL)

Received a first notice of XXXX for a debt from Perdue Brandon on XX/XX/XXXX. 

On XX/XX/XXXX I sent a Certified Letter with Return Receipt notifying the firm of my dispute of the debt and request that they verify the debt as required by the FDCPA. I also let them know they they were not to contact me further until they verified the debt. 

On XX/XX/XXXX I received the signed Return Receipt from the XXXX which was signed by XXXX on XX/XX/XXXX. 

On XX/XX/XXXX I received a Third Notice of Collections from Perdue Brandon seeking payment of the same debt with no verification. The exact same letter was sent as back in XXXX of XXXX for which I had already disputed without any other notification regarding what the debt is or how they own it. 

On XX/XX/XXXX I entered a complaint on the CFPB website against Perdue Brandon.
Consumer complaint received 2021-03-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

On XX/XX/XXXX we began the process of refinancing our home with XXXX XXXX XXXX  ( XXXX  ). Then on XX/XX/XXXX, we received our first mortgage statement with the first mortgage payment due on XX/XX/XXXX. We called on XX/XX/XXXX to make the payment over the phone because we had not set up our online account. We made the payment over the phone in the amount of {$2600.00} with XXXX. She took our payment and gave us a confirmation # ( which we have documented ) and we were good to go. Then we created an online account and viewed the website and were content with its ease of use. Then a few days later, we received a notice of Servicing Transfer dated XX/XX/XXXX from XXXX XXXX XXXX. It indicated that the new servicer was Nationstar Mortgage LLC dba/ Mr. Cooper XXXX This came as a shock as we had barely received our first statement from XXXX XXXX XXXX  and no explanation as to why it was changing. The first week of XXXX we received a Notice of Servicing Transfer along with the welcome letter which included the payment stub to pay the first amount due XX/XX/XXXX in the the amount of {$2600.00}. My husband ( XXXX XXXX ) and I immediately called Mr Cooper informing them to add me ( XXXX XXXX ) as a XXXX party to access account information. Then on XX/XX/XXXX, we created the online account with Mr Cooper and even received a " Thanks for setting up an online account '' email. On XX/XX/XXXX, Mr Cooper had still not received our HomeOwners Insurance information which I was told would automatically happen when the loan was transferred but that did not happen. We had to contact our insurance department and prove the insurance coverage and ensure that it was included in the loan. After 1 week of trying to figure all that out we finally received a mail in the letter showing the insurance coverage was added. Then on XX/XX/XXXX when my payment was due I tried logging in to the Mr Cooper account online and I was unable to access it. It kept saying that the account could not be found. TO this day, XX/XX/XXXX I have still not resolved where my payment went and/or getting access to my online account. I have made several XXXX lost count ) phone calls and have been in contact with 1 person who finally gave me his email address with Mr Cooper with no response or resolution. ALL I want is to access my account on line and find my payment that I made to XXXX XXXX Mortgage on XX/XX/XXXX. My bank statement shows it went to them and in the amount of {$2600.00}. In hopes that someone can resolve this soon I am posting this complaint.
Consumer complaint received 2021-01-22
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. (OH)

To whom it may concern XXXX XXXX, XXXX XXXX  XXXX XXXX  # XXXX are an accounts that were legally discharged in a bankruptcy XXXX XXXX XXXX OHIO Docket # XXXX. Please delete this account at once it is an error! They are in error 611, 623, 609 FCRA PLEASE REMOVE/DELETE ASAP.
Consumer complaint received 2024-10-09
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: Experian Information Solutions Inc. (TN)

I am writing to formally dispute inaccuracies on my credit report, which I have previously raised for investigation. Despite my repeated requests, these errors remain uncorrected, and they continue to have a detrimental impact on my financial standing. The incorrect information on my credit file is not only causing damage to my XXXX XXXX but is also creating significant obstacles in my ability to secure financial opportunities and live a normal life. 

These inaccuracies have resulted in considerable hardships, and I am requesting immediate corrective action. I respectfully urge you to conduct a thorough investigation of the disputed accounts and take the necessary steps to update my credit report accurately. 

It is critical that this matter be resolved without further delay. I hope that with your assistance, my credit file can be restored to reflect its true and accurate status, allowing me to regain control of my financial health. 

Your prompt attention to this matter would be greatly appreciated, and I look forward to your swift response. 

Thank you for your understanding and support.
Consumer complaint received 2022-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (OH)

These are the current unauthorized hard inquiries that are listed on my Experian credit report. These hard inquiries do need to be removed from my credit report. ( 1. ) XXXX XXXX ( 2. ) XXXX XXXX XXXX.
Consumer complaint received 2022-09-21
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)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is the several times I've complained about being a victim of identity theft. You must remove/block any account that 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 ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$1200.00}.
Consumer complaint received 2022-07-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hi My name is XXXX XXXX, I just checked my report and I noticed that the items I requested for you to investigate and delete are still on my report, I am not sure what's going on but you seem to be ignoring my letters. I have been sending you letters for a couple of months now but the negative items are still, I am not even getting any response from you people. I was told by a lawyer that this is a violin of my right, under 15 U.S.C 1681N and 1681O for willful and negligent non-compliance.
Consumer complaint received 2024-10-09
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. (TX)

I was shocked to see incorrect accounts listed on my credit report this morning, and I have no clue why theyre there. I always check my report, but this time, I noticed errors that seemed to come out of thin air. I thought maybe it was a browser issue, so I refreshed it, but that didnt fix anything. The wrong accounts were still showing. Im asking for my documents to be reviewed properly so that I can have peace of mind once and for all.
Consumer complaint received 2019-09-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (FL)

I took a loan out with Synchrony Bank for a air conditioner back in XXXX of 2019. My first payment was due on XX/XX/2019. I paid that payment on time. Come XXXX and I paid on the XXXX of XXXX. I did not know this company has no grace period. It is due on the XXXX of every month. I did not find this out until XXXX when I called the company to find out why I was getting late fee charges. Then I find out yesterday that not only am I getting charged {$38.00} late fee past the XXXX of every month but I am getting charged a extra {$2.00} for interest on the late fee which means every time I am late I have a {$40.00} late fee past the XXXX of every month. I have tried to speak with the bank but their English is very hard to understand. I do not think these late fees are very fair nor did I know I would get hit with them and a " interest '' late fee as well. And no grace period. This was not explained when the loan was taken out. They did waive 2 late fees for me within this time period but these will be the last fees waived due to bank having a limit on waiving them.
Consumer complaint received 2022-03-09
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)

According to 15 USC 1681 b ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I, the consumer, have given no written instructions. Experian, XXXX, XXXX XXXX allow inaccuracies to be furnished on my consumer report. These inaccuracies make me lose confidence in the banking system. This is not fair to my credit; according to 15 USC 1681 ( a ) ( 1 ), the banking system is dependent upon fair and accurate consumer reports.
Consumer complaint received 2021-03-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (AZ)

In 2013 XXXX got hack and my information was compromise and from then on I have been the victim of collection agencies. The likes of Midland Funding LLC and XXXX XXXX I, XXXX try to collect funds of accounts I never had with XXXX credit card. 
Midland Funding LLC is asking {$5800.00} XXXX XXXX XXXX XXXX is asking {$2300.00} I have responded legally in the courts but a no vail. And that including a police report with Identity Theft report. I am in the process to file a injunction against this agencies to stop this harrasment. And yes I am and doing this on my own because I can not afford a lawyer I live on my Social Security only.
Consumer complaint received 2024-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

Signed up for free trial for XXXX  then company charged me {$18.00} when I tried calling for days on end to cancel the trial and I have been unable to log in because the system is asking me security questions that Ive never even selected. The only email I have says to finish signing up for an account. I want my money back immediately
Consumer complaint received 2022-01-04
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (RI)

Billing statement and the app used to make payments is deceptive. In addition the way they handle traffic tickets is deceptive as well. On the billing statement, the total amount due is mentioned several times as well as on the app. You click more details on the app and again it shows total amount due. On the lease statement upper right hand corner shows a list of all fees and in large letters at the bottom it say in bold letters TOTAL AMOUNT DUE. Same on the app. It is deceptive and if you pay that TOTAL AMOUNT DUE your going to be billed a late charge because above the TOTAL AMOUNT DUE in small print it show other fees. The page is set up for you to believe its the total of the amount due. Its not and if you dont pay the additional fees separately your fees will be deducted from the declared TOTAL AMOUNT DUE and you then your payment is reduced and you will incur a late fee and have now not made your payment on time. If in the process of your payment made date and payment process date you incurred a traffic fine which is billed to lease company they will deduct that amount from your TOTAL AMOUNT DUE without notifying you and again you will incur a late fee. Not only do you not ever see the ticket or know where and when you got it, you can not dispute it nor do you get a receipt showing you paid the fine. My attempt to discuss it with the company resulted in speaking on a scratchy line with someone I could hardly understand. On two separate calls. I found out from calling the billing department if you press the right sequence of numbers you will actually get the right TOTAL Amount due. Which is never declared on the app or statement.
Consumer complaint received 2022-09-22
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. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States , if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-07-22
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. (MI)

Bankruptcy on credit report is pass the statue of limitation by law its been XXXX  years in havent been removed from all my credit reports by law, This need to be removed immediately. I try to resolved this issue but this is clearly has being a strain financially and cost me several XXXX of dollars trying to resolve this and do to the inaccuracies on my report I have suffered not being able to obtain credit fairly. This is clearly a violation and also According to 15 usc 1681 I have showed you actual damage Sustained by the consumer as a result of the failure advantage is not less than XXXX dollars and not more than XXXX dollars per violation
Consumer complaint received 2021-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (MD)

XXXX  and XXXX are reporting that my Frontgate account was late for the month of XX/XX/2020, however, I made two payments on the account in XX/XX/2020. One payment was dated XXXX {$180.00}, and the other was on XX/XX/2020. I was never 30 days late on this account. I have tried discussing this with Frontgate and nothing has been resolve. I have supporting documentation if needed. According to the Fair Credit Act in order for a payment to be late, it has to be beyond 30 days. These reporting agencies are not investigating the problem correctly, and do not care how it affects the individual 's life. I see this every day with my own clients, something needs to be changed or more regulations with the reporting companies. I have made the same complaint several times over the same issue. The credit reporting companies hold your lives in their hands, and then make it difficult to get resolved. Unless you are willing to pay them they do nothing about incorrect information, as far as I can see the credit reporting agencies are a scam.
Consumer complaint received 2021-07-06
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: TD BANK US HOLDING COMPANY (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2022-07-22
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXXXXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2022-12-08
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. (MD)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.