davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance 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, 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.
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 — Old information reappears or never goes away
Company: Harley Davidson Financial Services Inc (NY)

Harley Davidson Account XXXX I am writing to you regarding an account that was opened XXXX XXXX and paid in full for 63 months with more than 98 percent of payments made on time. I would like to discuss an item posted to my credit report regarding this account and request that it be revised. Through the course of the loan there was a late payment in XXXX of XXXX and XXXX of XXXX, I believe they were one day late. The issue was not indicative of how I normally handle credit and I have substantially improved how you handle credit. For the remainder of months over the course of six years all payments were made on time. I have enjoyed being part of the HOG  group and I live around the corner from a dealership that I frequent often and know everyone by first name at the XXXX XXXX XXXX  
I am an avid Harley fan and would love to purchase another motorcycle, I have been sent material from Harley indicating that I am a customer in good standing and to come on back however, with these two late marks in my account it is reflecting poorly on my credit reports causing my score to be low. 
This account has been paid in full. I am requesting that Harley Davidson in  goodwill give me a second chance at a fully positive credit history with your organization by removing the two late payment marks from my credit report with all three credit bureaus. Please let me know if there is anything else, I can provide to support you as you consider my request. Revising remarks is common practice and I am hoping that you value me as a returning customer enough to work with me on this. Statistics show that I am 98 % positive in the total age of this loan that was paid in full.
Consumer complaint received 2023-02-07
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. (MS)

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-07
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-02-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (FL)

In XXXX my husband and I bought a house in Florida with an 80/20 loan from XXXX. 
Our house dropped in price drastically, so we had to file for bankruptcy. 
XXXX  XXXX XXXX did a refinance and which at the time we thought it included a first mortgage and line of credit. 
We have been current for over 12 years on our first mortgage. 
Two years ago, we received a notice from Specialized loan Service company saying we owe approx. {$120000.00}. ( $ XXXX LOC, $ XXXX interest and $ XXXX in other fees ) We told them the {$50000.00} line of credit was tied into our bankruptcy that we had thought was included in the loan modification. 
They stayed silent for 10 YEARS all while letting $ XXXX of interest and fees accrue. They just now let us know that they want to go after our house since it now has equity. 
If we would have been given a notice, we would have made sure everything was paid from the start. 
We have been trying to settle with them for a reasonable amount for almost a year with no real chance to save our home. 
My husband and I are in our XXXX and we are also the caretakers of my XXXX mother who has extreme medical conditions. 
Their options for us are to pay the {$120000.00} upfront or a loan modification by paying {$25000.00} upfront and 10 % interest on the total of {$120000.00}. 
This problem has caused much stress in my work and personal life and its starting to affect my physical health. 
I hope there is something the CFPB can do on their end as I feel like what they are doing is predatorial. 
Thank you for taking time time to read this message.
Consumer complaint received 2023-02-07
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. (HI)

First & Foremost I Would Like To Thank You In Advance For All You Guys Do To Help Consumers. I Will Be Your Biggest Advocate & Champion To Keep You Guys Strong & Going Have Even more Power To Flex At The Corporations Etc That Need To Be Checked From Time To Time & Always Have The Power To Protect The Consumer To The Highest Degree. I Look Forward To My Issue Being Resolved & Quickly. Sincerely XXXX XXXX XXXX XXXX You All At The CFPB XXXX XXXX XXXX XXXX XXXX XXXX 

In Accordance With The Fair Credit Reporting Act. The List Of Accounts Furnished Is In Violation Of Privacy & Confidentiality Under 15 USC 1681 Account Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXl # 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 # XXXX, XXXX # XXXX, XXXX XXXX  Rec # XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX Originals # XXXX, XXXX XXXX Sys # 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, XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I Have The Write 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 16811c. ( a ) ( 5 ) Section States : no consumer Reporting agency may make any consumer report containing any consumer report containing any of the following items of Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any Information relating to consumer to any consumer Reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX # XXXX XXXX
Consumer complaint received 2023-02-07
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)

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.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XXXX/XXXX/2023 Transunion reported a hard credit inquiry on my credit report from XXXX XXXX XXXX XXXX. After contacting XXXX several times they showed no record of any credit application past or present ( I have never had any business with them. They further told me to contact the credit Bureau and file a dispute. I tried multiple times to file the dispute both online and via phone with a Transunion representative. Transunion told me to : 1st contact - file a police report about fraudulent use ( what fraud? ) 2nd contact - Get a letter from XXXX stating they have no info about this ( they have never done this ) 3rd contact- we can not help you ( they are the only ones with the erroneous report Both Transunion and XXXX have not offered me a solution to their problem
Consumer complaint received 2023-02-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

my complaint since XXXX of XXXX was why XX/XX/XXXX was returned? 

My bank has record of fund received for 24 hrs then returned. I received no alerts of return payment.

Citi bank personal account records show. 
{$31.00} beginning balance * XX/XX/XXXX Mobile Purchase Sign Based XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX CA XXXX Restaurant/Bar {$23.00} remaining balance * XX/XX/XXXX ACH Electronic Debit XXXX XXXX XXXX  XXXX {$6.00} end balance * XX/XX/XXXX Returned Insufficient Funds - ACH Txn By returning the payment Macys then charged additional fees. 
{$24.00} ytd fees XX/XX/XXXX statement on {$10.00} alleged balance. By XX/XX/XXXX statement a {$110.00} charges on the {$10.00} balance. 
This was disputed in XX/XX/XXXX and Macys should have of investigated and stopped collections but continued to add fees until I finally paid {$16.00} in XX/XX/XXXX. My account say in dispute on Macys.com.
Consumer complaint received 2023-02-23
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (WI)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing this letter to dispute several items on my credit report, which I believe were reported in violation of various consumer protection laws, including FCRA, FDCPA, FACTACT, TILA, RESPA, ECOA, and FCBA. 

The following accounts and details are reported on my credit report : XXXX XXXX XXXX XXXX - late payment account XXXX - collection account XXXX XXXX - collection account XXXX  XXXX XXXX XXXX - charge off account XXXX XXXX XXXXXXXX XXXX - charge off account XXXX XXXX XXXX XXXX - charge off account XXXX XXXX XXXX XXXX - charge off account XXXX - collection account XXXX - collection account I am disputing these items on my credit report because I believe they were reported in violation of several consumer protection laws. The creditors have failed to provide me with the proper notices required by the law, failed to investigate my disputes, and failed to report accurate information. 

For instance, the late payment account reported by XXXX XXXX XXXX XXXX was an error on their part. I have made all payments on time, and the late payment should not have been reported. 

Additionally, the collection accounts for XXXX XXXXXXXX and XXXX were reported without proper validation of the debt. I have requested validation of these debts, but have not received any response from the creditors. 

Furthermore, the charge off accounts reported by XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX were reported inaccurately. The debts were paid in full, but the creditors failed to update the information on my credit report. 

In conclusion, I request that these items be removed from my credit report immediately, and that the creditors comply with all relevant consumer protection laws. Please provide me with a written response regarding the investigation of these disputes. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (FL)

On XX/XX/2021 a settlement was accepted between myself, my home insurance company, and roof contractor which was brokered by an attorney who was representing me. 

The insurance company provided prompt payment of the settlement. The total was XXXX, XXXX to be paid to myself, and XXXX to be paid to the roof contractor. 

I took the check to my bank later that week and deposited it into my checking account. Here is the beginning of the problem. The person working the window took the check no problem and gave me a deposit receipt. 

The check was made out to three parties. Myself, the roof contractor, and my mortgage company. I was under the impression that I was to deposit the check and then pay the contractor their due amount. 

Three days later I received a notification from Regions bank that they would not release the funds for the check because all parties had not endorsed the check. I said ok and went back to the bank to retrieve the check but it had already been " sent away ''. 

Long story short I still have not been able to secure my funds. We are in a deadlock between the mortgage company and the bank. The mortgage company wants the bank to release the funds so that it may reissue the check but the bank will not release the check. That being said the mortgage company will not re-issue the check because it would be paying the amount twice. 

It has been over six months of back and forth between all parties involved and there is no resolution in sight. At the very least I seek what is owed to me, though a bit more for the hours and hours of work that I have put into this would be appreciated as well.
Consumer complaint received 2020-05-28
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. (VA)

I have attempted to resolve the issue of having fraudulent information appear on my credit report for a XXXX  XXXX XXXX credit card several times. The issue is that, at the time the account was opened ( XXXX ) I would have been too young ( XXXX yrs old at the time, born in XXXX ) to be a co-applicant for this credit card. My latest dispute was filed thru Experian on XX/XX/XXXX after contacting XXXX  XXXX XXXX. The account has recently been closed by XXXX  XXXX XXXX with an outstanding of over {$10000.00}. This is effecting my credit report in a negative manner and I have a security clearance to maintain.
Consumer complaint received 2020-05-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (TN)

I appealed a late payment fee for classes dropped prior to the refund ending date. This was mostly due to high phone call volumes for the financial aid office and from the university posting statements the same day as the refund deadline. This made it to where I was unable to get correct and timely information on if my loan would cover my classes. While dealing with this I was also dealing with my advisor not changing my major correctly and then having classes automatically dropped as well. Once the deadline ended I finally reached a useful representative from the university that told me I would have to pay {$600.00} to not have to drop a class. Unable to afford that along with other expenses I dropped the classes. I was charged late registration fees for classes I was automatically booted from. I was hoping at least for the 75 % refund I was guaranteed. Instead, I was somehow charged twice for the same class. Receiving a 25 % refund on one, as well as a 75 % refund on the other. Even though my student account states both classes were dropped on the same day. Which is also proving it was way before the refund deadline. I appealed this in early XXXX and received an email back on XX/XX/2020 from the University and Student Business Services Appeal Team department stating " the appeal process will take a minimum of 10 weeks once we have received all required documentation. Then on XX/XX/2020 I received a message stating " The Bursar 's Office has completed the review of your appeal requesting an exception to the University 's policies. After careful consideration of the documentation provided, we are unable to approve your request. '' I believe this is wrong, deceitful, as well as a terrible way to start out with student loans.
Consumer complaint received 2023-01-12
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. (TX)

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, 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.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (OH)

This account is not reporting on credit any longer. The account is in good standing and I would like for it to report on my file correctly. Thank you XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-05-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I have already brought this matter to your attention and I expect a response from the Bank of America by XX/XX/XXXX. One of the problems was that I could get the bank to freeze the XXXX XXXX account, because the branch of Bank of America has an invalid fax # and there was no way to reach anyone at that branch, as it would take at least 90 minutes to get through their phone line. Due to the b ank 's gross negligence, that bank is effective a partner in crime. There are at least a dozen law enforcement and regulatory agencies investigating this and major issue seems to be which ones have jurisdiction and the fact that once a subpoena is issued to see the paper trail in this account, it will be obvious to everyone that the scammers have been doing this since at least XX/XX/XXXX. Moreover, at least one of the scammers returning to this sort of scam as soon as the Department of Justice released him from 30 months in a XXXX XXXX. Had the Bank of America provided even basic cooperation in XXXX, this could have been taken care and perhaps the other victims would not have to go one-by-one to get this fixed and the money returned. There is a 4 year statute of limitations on fraud and I am anxious to take care of this long before the statute tolls. 

It would help if the CFPD would provide an email address, not the no reply variety, so that I would have to open up a new claim, when an update would do.
Consumer complaint received 2023-01-12
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. (CA)

This is my Multiple requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} ; XXXX XXXXXXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX... Balance : {$1700.00}