davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-25
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. (IL)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 5 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2XXXX XXXX
Consumer complaint received 2022-09-21
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. (IL)

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 XXXXXXXX XXXX XXXXXXXX DATE : XX/XX/XXXX :, XXXX XXXX, XXXX XXXX SERVICES : DATE : XX/XX/XXXX, XXXX  XXXX : DATE ; XX/XX/XXXX, XXXX XXXX : DATE XX/XX/XXXX, XXXX : DATE : XX/XX/XXXX, XXXX XXXX XXXX : DATE : XX/XX/XXXX, XXXX XXXX XXXX : DATE : XX/XX/XXXXXXXX XXXX XXXX  : XXXXXXXX XXXX XXXX  : XXXX, XXXX XXXX XXXX XXXX : DATE : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX, XXXX XXXX SERVI DATE : XX/XX/XXXX, XXXX XXXX  : DATE : XX/XX/XXXX, XXXX XXXX XXXX XXXX : DATE : XX/XX/XXXX, XXXX XXXX XXXX XXXX : DATE : XXXX XXXX XXXX  XXXX : DATE : XX/XX/XXXX, XXXX XXXX XXXX : DATE : XX/XX/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 accurate.
Consumer complaint received 2022-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (DE)

Good morning. 
I made a minimum payment due on my credit card account last month as I was not going to have enough money in my Bank checking account on the XXXX due date. I checked ( screenshot from Citi attached ) after making my payment, and " Citi Told me '' no Payment was due any further after the payment. 

Issue : Yet, on my due date, Citi still withdrew using XXXX. I ended up paying Double of what I wanted to and Double of what I needed to. 

Unfair and deceptive acceleration of paydown of my 0 % XXXX balances despite clear disclosure : I have a 0 % XXXX XXXX which Citi paid off deliberately faster taking away that benefit and also putting me in jeopardy of getting a returned check on my Checking account. All this, AFTER Citi informed me in plain XXXX that my XXXX XXXX after the payment was {$0.00} ... Why? - Please refer attached screenshot. I would only use XXXX to " Pay what was DISCLOSED to me on my Statement and nothing more ''. Why should I prepay what is not due. Especially when my balances are all at 0 % APR?? 

If I didn't have money in Checking account, would I be assessed a returned check fee by Citi, is that also why XXXX withdrew more money than was due? Bad revenue stream. 

Deceptive disclosures elsewhere : There are other places Citi uses words like they 'may ' do this or this 'may ' work or not. Such disclosures are very deceptive. As a Bank, " don't you know ''? And should a customer not know, or is it a guessing game? As a customer I should be " empowered by my Bank '' to be financially responsible and " certain about the outcome of my financial decisions '', not be guessing. the only reason someone uses terms like 'may ' are if they are a lawyer or " if they just don't know ''. 
So please it would be helpful if you changed some of that language. Regardless, the attached screenshot indicates that I owed Nothing and yet XXXX withdrew- so that was misrepresentation by Citi. 

Continued issues : I am astounded by what Citi is doing. Last month, I was charged interest even though I was paid in Full and all my balances/transactions in the last XXXX cycles were at 0 % XXXX. Just Disputing a charge which also got resolved moved my balances to standard XXXX bucket, and gets me to assess interest? Unethical. 

A lot of things so seem to be running with band-aids. Please don't wait for them to rip off.
Consumer complaint received 2023-03-25
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. (MD)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$430.00}
Consumer complaint received 2022-08-13
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. (CA)

XXXX XXXX XXXX XXXX  XXXX XXXX, DE. XXXX Dear XXXX XXXX : I am very distressed that you have included information in my credit profile due to its damaging effects on my good credit standing with on time payments. As you are aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either yours or the reporting creditors part. It shows on my credit reports from all three credit bureaus that I have delinquent payments from XXXX XXXX XXXX. This is simply not true because I had to speak to a representative every month about my payments and everyone kept giving me the run around and different answers to cause this to happen. Although I did make payments each of these months, the three billing cycles that may cause this confusion are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was told by a representative over at Customer Service that you guys did not receive my school deferment information until XX/XX/2020, in which, I started my XXXX semester XX/XX/2020. Every month when I spoke to a representative not everyone was on the same page, which caused this confusion. I am very on top of things when it comes to making payments on time and would like this to be taken care of immediately. 


Please be so kind as to forward me documentation that you have had the inquiry about delinquent payments removed.
Consumer complaint received 2022-08-16
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)

This is XXXX XXXX and I am submitting this complaint to follow up the most recent CFPB complaint I previously submitted dated XX/XX/2022. I also sent dispute letters addressed to the Credit Bureuas last XX/XX/2022 with complete attachments pf my presonal information such XXXX my driver 's license, and my SSN, I also attached the ID THEFT REPORT I received from the FTC. I have read that the Credit Reporting Bureaus are required to remove any account and information that resulted due to idetity theft within XXXX business days. Under the FCRA section 605b, I need the following items deleted as soon as possible. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action and sue the Credit Bureaus for the damages done on my Credit File. Once again, I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-08-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (FL)

I made an overpayment on my account. The original amount due was {$31000.00} and I made a payment of {$33000.00} on XX/XX/2022. After numerous attempts and over 10 calls each month, I still have not been provided my overpayment refund or my title. Each time I contact the company I am told by the representative that it will be escalated. I have recorded each phone call and lastly was transferred to a supervisor who said there was nothing he can do because the company is backed up with their checks? I have patiently waited 6 months where my money could have been invested.
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Experian FICO score from Experian.com is showing me having multiple delinquent payments during the time I filed bankruptcy. I filed on XXXX XXXX 2022, and it was discharged XXXX XXXX, 2022, and although the actual credit report from the card/loan servicer show on time, Experian put an N for that month showing I have multiple negative marks on my credit suggesting I have multiple 30/60 day late payments. They need to report correctly. The credit cards/loans show what it is, how can they reflect any different?
Consumer complaint received 2024-10-29
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. (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.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-01
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. (MD)

I sent a letter off XX/XX/2022, I told the credit bureaus to investigate every piece of information the accounts I have listed below. Also, I have attached a copy of the letter I sent out, and here is the tracking information through XXXX : XXXX : XXXX XXXX : XXXX Experian : XXXX According to Fair Credit Reporting Act, the term Investigate Consumer Report means a consumer report, or portion thereof, in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews, friends, or associates of the consumer reported on, or with others with whom he is acquainted or may have knowledge concerning any such items of information. They stated my account was verified, but how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on these accounts are still not reporting 100 % accurate. Also, according to 15 USC 1681, everything has to be 100 % accurate. 

These are clear violations of my federally protected rights. 

Accounts Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX  Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX Also, I have some personal information that needs to be addressed as well. Can you please in-vestigate and remove these names as well? It should only be as listed at the top of this letter. 
Wrong Names : XXXX XXXX Wrong Addresses : 1 ) XXXX XXXX XXXX XXXX XXXX, MD XXXX 2 ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX 3 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX 4 ) XXXX XXXX XXXX XXXX, MD XXXX 5 ) XXXX XXXX XXXX XXXX, MD XXXX 6 ) XXXX XXXX XXXX XXXX XXXX, MD XXXX 7 ) XXXX XXXX XXXX XXXX, MD XXXX 8 ) XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Wrong Employers : 1 ) XXXXXXXX XXXX  2 ) XXXX XXXX
Consumer complaint received 2022-08-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (WA)

On XX/XX/XXXX I sent a letter registered mail to Specialized Loan Servicing LLC stating I would like to end the collection of my escrow account on my mortgage note. As of this date I have received no correspondence from them that they received my letter or acknowledgement that Specialized Loan Servicing LLC has ceased to collect for escrow. 
This is unacceptable behavior. Specialized Loan Servicing LLC has ignored all my presentments starting XX/XX/XXXX in which there have been 7 of them sent registered mail and addressed Attention XXXX XXXX. This includes Notice of Acceptance of Credit Issued and Discharge of Debt, dated XX/XX/XXXX ; Notice of Opportunity to Cure, dated XX/XX/XXXX ; Notice of Settlement and Estoppel, dated XX/XX/XXXX ; Notice of Request for Validation of Debt, dated XX/XX/XXXX ; Second Notice of Settlement and Estoppel, dated XX/XX/XXXX ; Notice of Fault and Opportunity to Cure, dated XX/XX/XXXX ; and Notice of Credit to Cure, dated XX/XX/XXXX
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am submitting this CFPB complaint to follow up the previous complaint I submitted on XX/XX/2022 requesting for the removal of the fraud items completely from my Credit Report. I, once again, sent a letter to the Credit Bureaus requesting that they remove the disputed fraudulent items from my Credit report. Because of the multiple letters I have been sending to the Credit Bureaus as well as their previous actions, I came to a conclusion that the Credit reporting Agencies will once again, neglect my requests. With all the letters I have been sending, the Credit Bureaus has never been able to respond even once. Under the FCRA section 605b, the Credit reporting Agencies are required to remove any account and information that resulted due to identity theft. I am now submitting this CFPB complaint to order the Credit Bureaus to remove the disputed items completely from my Credit Report as soon as possible for they have failed to comply with my requests. I need the following items deleted immediately : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX : {$15000.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$780.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor XXXX XXXX ) XXXX Balance : {$23000.00}
Consumer complaint received 2022-09-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation (CA)

I received a phone call from XXXX from someone who sounded like he was from XXXX or XXXX wanting to finish the details of a loan application. I had to repeatedly ask him where he was calling from and he said, " One Main Financial. I am in terrible financial shapes after not getting XXXX or unemployment or even the Covid checks because of a car accident. I needed a personal loan and unfortunately, got caught up in the websites that don't sell loans but send to other aggregtators so you keep receiving billions of texts only to continue filling out the information with no direct loan opportunity except payday loans. So the man asked me how much I wanted and I told him I really need {$4500.00} but definitely have to get at least {$1500.00}. He said that it says between XXXX - XXXX at {$150.00} per month was on the application and was that ok. That tipped me off because this amount I put down the first time I went through this cycle in XXXX. No financial institution waits one month to get back in touch. He then wanted my checking routing and account number to deposit the funds. And I asked him to tell me what options I have for paying back the loan in terms of mail, ACH, bill pay or do they perform a sweep to my checking account. He kept on repeating his request for my info. and acted like or maybe really didn't know or was prepared to answer a simple question that I had. I kept asking him and then said to him does One Main Financial take ACH payments or Bill Pay? Still no response except for wanting my info. I asked to speak to a supervisor or manager to find out if this was legit and the answer to my simple question of how this institution gets paid back. He didn't even try to put someone on the phone and asked if I wanted the loan or not. I said, thanks your acting in a fraudulent way and I'm reporting you because you can't even answer a simple question but want my bank information. I called the loan inquiry number at One Main Financial and their automated system said they don't have my phone number on record for an application. I hope that One Main Financial can respond and inform whether they have an employee or contractor that possesses this phone number. If they do, much needed training is necessary and I'll apologize to them for implicating fraud because thats a serious charge. But, I don't think it was them and they should be made aware.
Consumer complaint received 2022-11-22
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. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2023-03-25
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. (AR)

I am submitting this CFPB complaint to dispute the fraudulent items on my credit file. I demand immediate removal of these items from my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent items are clearly inaccurate and are negatively impacting my creditworthiness. I have already reported this fraudulent activity to the authorities and have provided all necessary documentation to prove that these items are fraudulent. I have also requested that the creditors responsible for these fraudulent accounts investigate the matter and remove them from my credit file. I am in need of your help to remove the following items as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX A XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$13000.00} FIRST XXXX XXXX Opened XXXX XXXX, XXXX Balance {$450.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$510.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1000.00} XXXX XXXXXXXX XXXX XXXX Opened XX/XX/XXXX Balance {$900.00} XXXXXXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$490.00} XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$180.00} XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance {$1700.00} XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$7600.00} XXXX XXXXXXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$600.00} XXXX XXXX Bankruptcy : Bankruptcy Reference Number XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX BANK XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX BANK XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX. Despite these efforts, these fraudulent items still appear on my credit report, causing me significant harm and financial hardship. This is unacceptable and a clear violation of my rights under the FCRA.