davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (WA)

I have an auto insurance policy on XXXX XXXX XXXX then they increase my policy payment from {$110.00} to {$150.00} without telling me because I was paying auto payments they just increase my policy payment then I called them and I told am going to cancel their policy I cancel XXXX XX/XX/2022 while two days left my for my regular payment due, even I owe them two, despite all this they sent my information to credit collection They not told me anything that they owe me Because they didn't owe nothing This is not fair, increasing the policy payment without notice and then sending me to collection when I cancel their policy
Consumer complaint received 2024-10-30
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. (FL)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2022-09-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (VT)

To whom it may concern, My name is XXXX XXXX XXXX formerly known as XXXX XXXX ) and I presently have a mortgage for my home through the mortgage providers known as XXXX  '' formally known as XXXX ''. To make regular payments on my mortgage, I Set up an online direct deposit on XX/XX/XXXX. This payment system ensures that not the 6th of each month, {$800.00} is to be distributed to XXXX. 

On XX/XX/XXXX, my mortgage was sold from XXXX to Specialized Loan Servicing ( SLS ). I did not receive notification of this transfer until XX/XX/XXXX. In addition to the notice of change, I also received numerous concerning letters and phone calls from SLS regarding my payment delinquency, and threats of foreclosure. 

Im confused by this because my direct deposit payments from my bank have continued. Those payments have been on time and consistent since XX/XX/XXXX when I first started direct deposit mortgage payments. I have documented proof of these consistent payments from the last eight months ( from XX/XX/XXXX to XX/XX/XXXX ). Originally, it had appeared that the months of XXXX, XXXX, XXXX have not been transferred from XXXX  to SLS. All together, it totals an amount of {$2400.00}. I showed a copy of my bank history query which indicates each direct mortgage payment sent successfully to XXXX and was never retuned. 

After that, XXXX sent proof that they had successfully transferred the funds to Specialized Loan Servicing ( SLS ) I will include that letter to this message. 

Ive called SLS numerous times on many occasions to resolve the issue but my efforts have been unsuccessful. If you could help me retrieve those funds from SLS that would be greatly appreciated. 

I look forward to hearing from you. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX, has violated my rights.

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

15 U.S.C. Section 604 A. Section 2 : A consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-06
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXXXX/XX/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 719XX/XX/XXXX has me at a score around 590. 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 XXXX i made this clear for 60 days straight with transunion 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 three 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 XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XX/XX/XXXX XXXX cant provide to my XXXX XX/XX/XXXX daughter PLEASE HELP ME PLEASE im XX/XX/XXXX now.with no help.
Consumer complaint received 2022-12-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (WA)

HSBC failed to honor the {$600.00} sign up bonus for the checking account I opened, even though I have doing monthly {$5000.00} direct deposit as the requirement for receiving the sign up bonus.

I have contacted HSBC previously but no one is following up with me and my issue never resolved.
Consumer complaint received 2022-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NJ)

Purchased electronic dog trainer XXXX XXXXXXXX dogs. It did not show up. I needed it immediately. Went to box store bought one. Company agreed to credit me back immediately. Applying checking credit card statement company never credited me back and decided arbitrarily to mail another unit against my permission. Unit came. Got returned number from company and put it in XXXX box with return number written all over outside. Company claims they did not receive back. Citibank XXXX took original dispute and messed it up badly by saying I didn't get merchandise because the communication with the XXXX is pathetic. The dispute is I sent it back not that I did not receive it. They close my file and refused to open it and refused to credit me my rightful money back. Citibank impossible to deal with communication is lacking have kept me on the phone for hours and screaming matches. I am a XXXX my pension goes into Citibank if it wasn't that I had to fix all the rigmarole I would quit Citibank if it got uploaded did it get uploaded can you see it okay one attachment view uploaded okay keeps disappearing
Consumer complaint received 2023-12-11
Product: Credit reporting 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. 

Account name : XXXX XXXXXXXX, Account name : XXXX  XXXX, Account name : XXXX XXXX, Account name : 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 convi
ctions 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 2022-06-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (AZ)

I requested PMI removal in XX/XX/2022. Paid {$150.00} for the BPO Inspection. I was told that before Caliber would schedule a BPO I would first need to provide Improvements ( if any ) dates and values ( dollar amounts ) of each. I have been in my home for almost 3 years. I have made literally thousands of dollars in improvements over that 3 year period. It would take me hours upon hours to go thru my files, bank records, charge accounts to develop this information. On the other hand, if I submit my request stating I made no improvements, Caliber is telling me that my request would be automatically denied. They also state that this policy directive comes straight from their investors. I purchased at {$220000.00}. The value of my home ( without any known improvements ) per the current market is {$340000.00}. {$220000.00} x XXXX  % = XXXX. I should be able to have PMI removed at this value. Even if my home appraised for a lot less, PMI would still be removed. I feel that Caliber is extorting funds and manipulating their rules in order to receive the extra monies.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

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 2022-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Company fails to validate how they were able to verify the bankruptcy when court records reflects that they do not verify this information. meaning information reporting can be inaccurate and according to Fair credit reporting act its unsafe to verify through third party.
Consumer complaint received 2022-06-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc. (MS)

Franklin Services , Inc furnished an alleged debt on my XXXX, XXXX, and XXXX credit report which is illegal & a violation of 15 USC 1692c ( b ), & 15 USC 1692b ( 2 ).
Consumer complaint received 2022-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

Someone opened a capital one card in my name and I'm just finding out about it. I have never got or used card .I signed up for a free trial with XXXX  and found out I had capital one card in my name and now I am getting in debt for something that I'm not even using.
Consumer complaint received 2022-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act Accounts XXXX XXXX XXXX Account # XXXX and XXXX XXXXXXXX XXXX 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
Consumer complaint received 2022-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (IL)

In XX/XX/2022 my wallet was stolen with all of my personal information including navy federal debit card. My card was used to purchase over XXXX dollars. I filed a claim with navy federal and was given a provisional credit. On XX/XX/2022 I was told the investigation was complete and was liable. I asked for the information that was used to determine this they never responded or sent anything. They went in savings and took the money back. I didnt make this purchase and need my money back ASAP.
Consumer complaint received 2022-12-11
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: CBC Companies, Inc. ()

XXXX Fraud Victim Assistance XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX To Whom it may concern : I am a victim of identity theft. The information listed below is showing on my credit file, but it is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. 

Inquiries : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Factual Data XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Factual Data Once the fraudulent information has been removed, please send me a copy of my corrected credit report. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX SSN : XXXX D.O.B XX/XX/XXXX
Consumer complaint received 2024-10-30
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. (NY)

A fraudulent item that I never benefitted from still appears on my report, even though it has already been removed by both XXXX and XXXX and blocked from reporting. Yet, you continue to include this false and fraudulent information on my credit report, which I find both insulting and damaging to my character and credit. It's deeply stressful and a violation of my rights as a consumer. I've reported this to the Federal Trade Commission, but nothing has been resolved or removed.
Consumer complaint received 2022-09-23
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

On XXXX XXXX I opened for the second time a credit report dispute with Experian about a collection account they are reporting on my credit report with XXXX XXXX  XXXX. The amount on this account is showing {$1000.00}. I requested core information on this account and or contract ( XXXX ) for services, just any verifiable proof that this account belongs to be. I was not given any information from either party involved in this dispute just a message that this account is verified. I would like a copy of any type of agreement with this companys letter Head and my signature to show I am responsible for this debt. NOT just an immediate response saying debt verified. I would like a copy of the information you used to verify this debt. Thank You
Consumer complaint received 2022-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (KY)

I have contacted tall XXXX credit bureaus to have them fix my XXXX XXXX. I have XXXX good payments and I am at a XXXX! I am supposed to be in the XXXX range. XXXX is totally inaccurate! I ask that this be fixed immediately.
Consumer complaint received 2022-06-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc. (WA)

I spoke with " XXXX '' on XX/XX/XXXX about my Student Loan through Nelnet. This was after several call and emails starting in XX/XX/XXXX about " my Loans being x days behind '' despite the Student Loan payment suspension until XX/XX/XXXX, the most recent notice is that I am 90 days behind which would indicate I haven't made a payment since XX/XX/XXXX, which is during the Covid payment suspension extension passed in XX/XX/XXXX. 
The main issue with this is that my Loans were claimed under hardship in a XXXX XXXX bankruptcy in XXXX. Nelnet was informed of this is XXXX, they have records confirming this. When I spoke to XXXX today ( and after a little research on XXXX 's end ) I was told that the Guarantor on this account ( my Bankruptcy trustee ) shows the debt as paid in full, but Nelnet re-purchased my Loans and made them active again? or that because the Guarantor shows them as active accounts they can still collect on them, despite being paid off? I didn't really get a clear answer, however I was told that either way I needed to prove they had been paid off or be put on an IDRP.. which in my opinion isn't my responsibility because Nelnet was informed when I filed bankruptcy, informed again by Phone when they called me in XXXX and the Agent confirmed the bankruptcy, were informed when said bankruptcy was discharged and they only started calling me AFTER it had been discharged... If they can see the Loans are paid off in bankruptcy, how is it legal to attempt to collect it AGAIN from the Student.. during a payment freeze?
Consumer complaint received 2022-08-14
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. (AL)

Violations of reports on my credit report to all credit reporting Agencies without my consent for debts I do not owe according to HJR 192 and Public Law 73-10 15 U.S. Code 1681b - Permissible purposes of consumer reports U.S. Code Notes prev | next ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
Consumer complaint received 2022-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Violations of reports on my credit report to all credit reporting Agencies without my consent for debts I do not owe according to HJR 192 and Public Law 73-10 15 U.S. Code 1681b - Permissible purposes of consumer reports U.S. Code Notes prev | next ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.