davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Dear Consumer Financial Protection Bureau, I am filing a detailed complaint against XXXX XXXX XXXX XXXXXXXX for a series of unethical practices, targeted retaliation, and false reporting that have significantly impacted my financial standing. 

1. Inaccurate Reporting of Payment History and Targeted Retaliation : XXXX inaccurately reported my account, ending in XXXX, as XXXX days past due. This misinformation appears to be linked to the combination of a XXXX loan with a credit card, resulting in complex challenges in resolving this matter. The closure of my accounts and other punitive actions taken by XXXX directly correlate with my dispute, indicating targeted retaliation. 

2. Mismanagement of Payments, Unauthorized Transaction, and Late Fees : Despite submitting an additional payment of {$8300.00} on XX/XX/2023, with the intention of paying off my loan, XXXX neglected to apply this payment, incurring unnecessary interest and charges. On XX/XX/XXXX, I paid {$1300.00}, and XXXX responded with an unauthorized transaction attempt of {$7000.00}, seemingly in retaliation for retracting an optional loan purchase. Even while adhering to a payment plan, XXXX charged late fees, contradicting the agreed-upon arrangement. 

3. Fallacious Reporting, Arbitrary Credit Limit Reduction, and Confusing Inconsistencies within Chases System : On XX/XX/XXXX, despite making the agreed-upon minimum payment of {$310.00}, XXXX imposed a late fee based on false reporting. Additionally, XXXX arbitrarily reduced my credit card limit, distorting the appearance of my payments and negatively impacting my credit score. The credit card system displays confusing inconsistencies, particularly regarding unclear minimum payments, and support team members struggle to provide coherent explanations. 

Enclosed with this complaint, Ive provided relevant payment receipts, illustrating my consistent efforts to meet financial obligations despite the challenges posed by XXXX system. 

Given the severity and multiplicity of these issues, I urgently request the Consumer Financial Protection Bureau to conduct a thorough investigation. It is my sincere hope that the XXXX holds XXXX accountable for these actions, ensuring fair and ethical practices are maintained. 

I appreciate your prompt attention to this matter and anticipate a comprehensive examination of the facts.
Consumer complaint received 2019-01-31
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. (OH)

While recently moving to Florida, I was going through tough times financially. I missed one payment of 30 days in XX/XX/XXXX. That is the only payment I have missed with XXXX   XXXX. Even going 2 to 3 years without missing a payment they will not work with me or accept my goodwill request as of XX/XX/XXXX. The credit agency, experian also was not able to help.
Consumer complaint received 2019-01-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

I was never informed that making consecutive payments under the IBR plan can lead to forgiveness after 10 years. If that was the case then I would have certainly signed up for the automated payments and continued applying for IBR plans every year as needed. I used to get phone calls reminding of payments being due and that has since stopped so I'm unsure of where I'm at in the process, I have usually been doing 2-3 payments at  once instead of monthly - again because I did not have this information. I am only told they don't report to the credit bureau 's monthly for the way my payments have been. So it's not affecting my credit score which is nice but it would be fantastic if my loans were forgiven instead. They are quite substantial and don't seem to be going down with all my payments thus far.
Consumer complaint received 2019-01-31
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. (FL)

Date : XX/XX/XXXX To Whom It May Concern, XXXX, XXXX  and Transunion are reporting inaccurate information on my credit file. They have failed to investigate and verify that these items are reporting correctly. Their action has hurt my ability to obtain new credit and this is very troublesome to me. I have been disputing with them since XX/XX/XXXX last year and they still have not corrected the errors and this is a direct violation of my rights under the FCRA! I have documented each letter that I sent to them and their responses that I can use in my defense. I am asking that the said accounts below be removed from my file immediately! 
Accounts Account Name : XXXX XXXX Reporting on XXXX and XXXX 1. Open date of XX/XX/XXXX is incorrect. 
2. Past Due Amount of {$720.00} is incorrect Account Name : XXXX   XXXX  XXXX XXXX XXXX  XXXX Reporting on XXXX, XXXX, and Transunion 1. Two different account names : XXXX  and XXXX  2. Account Status : 2 states Closed and 1 state open 3. 2 Different Open dates : XX/XX/XXXX and XX/XX/XXXX 4. Balance of {$100.00} incorrect Account Name : XXXX XXXX XXXX Reporting on XXXX, XXXX, and Transunion 1. Account Status : 2 states Closed and 1 state open 2. 2 Different Open dates : XX/XX/XXXX and XX/XX/XXXX 3. Balance of {$1200.00} incorrect
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-01-31
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

my complaints are against XXXX  capital one and credit one. they have refused to accept any type of payment because i tried out of my bank account which was registered with these companies and they will take payments from my account that are legitimate but then send the check back which cost me more money the take the money out a week late sending me into overdraft but then when you call them they say they don't even know if you have a bank account. then they call repeatedly saying that you are not making payments. plus my cards have been for about 3 years and i reported it as soon as i noticed them missing and was given the response of what business is it of ours because you owe us. and then they refused to close my account. now 4 years after they started reporting to the credit bureaus that i owe them XXXX when its on my reports that i owe them only XXXX but they want the money up front. this prevents me from getting a job because they constantly call and harass me. then when i call them to complain i get the response that its no concern of theirs. then they start putting negative reports on my credit report and putting me under collections. they always wait until after they cost me a job before they start with the calls and bills, but they leave me alone when i do have a job. so i am filing this report because i have tried to call them and report my cards missing, i have also tried filing reports but have been ignored. also when i try for a credit card im denied because of these claims. i also had XXXX  visa and master cards that were stolen about 6 years ago the same day i was pushed in front of and struck by a train. these cards were being used the whole time i was on deaths door stop. i had reported this to the credit bureaus once i was able to. i want all these negative and fraudulent reports off my credit report and my credit restored. this is the first time i am writing to you because i am getting sick of not being able to find or keep a job due to harassing constant calls about money i don't owe and then to have my credit score negatively affected due to the fraudulent reports also im tired of almost being hit by cars and losing my life to this XXXX  as well as being denied housing and other credit cards i have applied for and have been denied due to nonpayment of debts that i am not even aware of. also capital one and credit one say that after every 6 on time payments they increase the credit limit but for me they stopped after the third payment because they started callig all my payment methods fraud and claiming that they did not know if i even had a bank account the very same issue has arisen with finger hut and i want this stopped and corrected.
Consumer complaint received 2020-02-13
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)

THE DISPUTED ACCOUNT HAS APPEARED ON MY CREDIT REPORT WITHOUT MY KNOWLEDGE. I AM NOT LIABLE TO THE LISTED AND I AM REQUESTING FOR THE ACCOUNT TO BE COMPLETELY REMOVE OFF MY CREDIT.
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MA)

I hope this letter finds you well. I am writing to seek assistance from the Consumer Financial Protection Bureau regarding ongoing issues I have been experiencing with Experian, XXXX, and XXXX. Despite my repeated efforts to dispute late payments and incorrect information on my credit reports, I have encountered significant challenges in rectifying these errors. 
I believe that I have been subject to unfair treatment by these credit reporting agencies, as my attempts to correct inaccuracies on my credit reports have not yielded the desired results. I have diligently followed the procedures outlined by the credit bureaus, including submitting dispute letters and providing supporting documentation. However, my disputes have often been met with delayed responses or dismissive actions, resulting in continued inaccuracies on my credit reports. 
The inaccurate information on my credit reports has had a detrimental impact on my financial well-being, affecting my ability to secure loans, obtain favorable interest rates, and even secure employment. Despite my efforts to maintain responsible financial practices, these errors have unfairly tarnished my creditworthiness. 
I kindly request that the Consumer Financial Protection Bureau investigate my case and intervene on my behalf to ensure that Experian, XXXX, and XXXX rectify the inaccuracies on my credit reports promptly and in accordance with the Fair Credit Reporting Act ( FCRA ). I understand that your organization is committed to ensuring fair treatment for consumers like me, and I trust that you will take the necessary steps to address this matter. Please inform me of any additional information or documentation you may require to assist in resolving this issue. 
I appreciate your prompt attention to this matter and your commitment to upholding consumer rights. I look forward to a timely resolution and the restoration of accurate information on my credit reports. 
Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-01-31
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (MA)

My name is XXXX XXXX XXXX well me and my husband bought a four family in XX/XX/XXXX.I remembered my husband asking the closing attorney how much the mortgage was going to be he didn't say it was your Austable all he said was {$2700.00} a month that part wasn't ture on the 80 percent and a second mortgage of a balloon notes 20 % .we started experiencing a hardship in XX/XX/XXXX when the adjustable interest rates kept skyrocketing as high as 11 % and my husbands hard-earned money went towards this house.after years of trying to do a modification the bank 's kept denying us when we was qualified for the program they kept denying us saying there was missing ddocuments when I paid a real estate broker {$4000.00} to help with the modification I gave them all the documents that they needed. We have fallen short lost our home due to foreclosure and it has been the terrible experience to have to go Thur. JP Morgan and Chase are terrible they denied millions of applications for modifications.
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (KS)

In accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX XXXX XXXX XXXX FOR XXXX XXXX XXXX XXXX 79 MONTH AUTO LOAN Date Opened XX/XX/XXXX High Balance {$22000.00} Closed on XX/XX/XXXX
Consumer complaint received 2023-09-10
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (NC)

I requested Mohela to put me on a payment plan with the lowest monthly payment. That would have been the Repaye ( Save ) plan. I qualify for a {$0.00} monthly payment. My servicer ( Mohela ) changed me from the Save plan to the Paye plan that requires a monthly payment of {$41.00}. They do not have my best interest in mind. I have reapplied for the Save plan but I am afraid it will not be processed in time for me to take advantage of the {$0.00} monthly payment it offers. I want this fixed. I want Mohela to have my best interest in mind, and put me on the Save plan which offers the lowest monthly payment. Thank you.
Consumer complaint received 2023-09-10
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: Experian Information Solutions Inc. (TX)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-09-10
Product: Credit reporting 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  Account, Creditor : XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$1200.00}, XXXX XXXXXXXX Account number XXXX Date opened XX/XX/XXXX Balance {$2000.00}, XXXX XXXXXXXX Account number XXXX Date opened XX/XX/XXXX Balance {$2600.00}, XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$30000.00}, XXXX XXXXXXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Balance {$1200.00}, XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$3000.00}, XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$6800.00}, XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$25000.00}, XXXX Account XXXX XXXX Date opened XX/XX/XXXX Balance {$3700.00}, XXXX XXXXXXXX XXXX Account XXXX XXXX Date opened XX/XX/XXXX Balance {$2200.00}, XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$4800.00}, 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 2019-01-31
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (TN)

Santander Consumer USA has a statement and a collection department that do not agree. They will not send me a statement by mail to reconcile. They have threatened to repossess the car. I may have to file bankruptcy. The won't fox the XXXX XXXX  or repair the recall to make the car run correctly. It is still under warranty XXXX XXXX  XXXX in XXXX, TN sold me this car and it still isn't running right. They make treats and say they will repossess it. Their online computer does not agree with my payment records at all. I have lost jobs and left it in XXXX XXXX dealership for 12 days And it isn't correct yet XXXX XXXX
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights.

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late for XXXX purpose.
Consumer complaint received 2023-09-10
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. (FL)

I am writing to submit a formal complaint against Experian for inaccurate information present on my credit report. On XX/XX/XXXX, I contacted Experian to dispute certain details that I believe are inaccurate. Unfortunately, I have not received any response or resolution from Experian to date. I am providing the following details of the disputed accounts along with the requested corrections : Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$990.00} I am requesting Experian to verify the accuracy of the XXXX XXXX account information. The reported balance of {$990.00} seems incorrect to me, and I believe it should be a lower amount. Additionally, since this account is closed and charged-off, the Past Due amount should not be presented. I kindly request Experian to mark this account as disputed to prevent further negative impact on my credit standing. Furthermore, I ask for verification of the Date Opened, Date of Status, and First Reported for this account. 

Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$7900.00} The account with XXXX  requires examination due to the reported balance of {$7900.00}, which I believe to be higher than accurate. As the account is presented as closed, the Past Due amount should not be included. I intend to address this matter directly with the creditor and request Experian to label the account as disputed while I work towards a solution. 

Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} The account with XXXX is not mine, and I kindly request Experian to promptly remove it from my credit report. 


Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Similarly, the account with XXXX is not mine, and I request Experian to remove it from my credit report.
Consumer complaint received 2019-01-31
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP (TN)

Was contacted on XX/XX/XXXX about a debt from XX/XX/XXXX. Was threaten to be sued over debt that I thought was resolved. Was very aggressive over the phone and attempted to immediately take payment. I agreed to review a payment plan to get off the phone. Called again XX/XX/XXXX and XX/XX/XXXX attempting to collect. I did not answer these times and saved the voicemails.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Risecredit, LLC (CA)

I am writing to express my deep concern and disappointment regarding Rise Credits failure to respond to my previous communications dated XX/XX/2023. As of the date of this complaint, more than 7 days have passed since the expiration of the timeframe given in my initial notice. 

I wish to reiterate the serious nature of the violations that I have brought to your attention, including but not limited to the breach of contractual terms, violations of the Gramm-Leach-Bliley Act ( GLBA ), and potential violations of the California Penal Code 530.5 . These breaches have resulted in severe financial injuries, loss of opportunity, wages, and damage to my creditworthiness. 

Rise Credits failure to respond within the stipulated timeframe not only exacerbates the harm caused by these violations but also demonstrates a continued disregard for my rights as a consumer. I find it regrettable that it has come to this point, but in the absence of a meaningful and timely resolution, I am left with no alternative but to escalate this matter further. 

In accordance with my rights under the law, and as a consumer who has suffered financial injuries due to your institution 's non-compliance, I am left with no choice but to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). 

I am submitting this complaint against Rise Credit due to their blatant infringement on my privacy rights. I have confidence that the CFPB will conduct a comprehensive inquiry into this issue and implement necessary measures to guarantee the preservation of my rights as outlined in the GLBA. I thank you for acknowledging the seriousness of this matter and for your collaboration in swiftly resolving these concerns.