davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK (WI)

XX/XX/2018 I signed with Freedom Debt Relief. The agent was XXXX XXXX. The plan was 48 month term or less were Areys words. I explained I lived on a fixed income and my money was limited and I agreed to pay {$450.00} a month for 4 years. We went through the enrollment process. I electronically signed documents and made the first payment of {$220.00}. 
Now that the four years are up some accounts still have not been resolved and two accounts still have not started negotiations. Now that the 48 months are up Freedom Debt Relief tells me 48 months was just an estimated target date. XXXX never mentioned the word estimate. I do have the entire conversation recorded-never mentioned the word estimate. I called to have my bank information deleted since my last payment had been withdrawn. I was told I still owed over {$5000.00}. She threaten me that all unresolved accounts would go back to the original status and I would have all this debt to pay on my own and no money would be refunded to me. This all is very frighting to me. Im being lied to and XXXX. I can not afford to pay the {$450.00} each month for the additional years FDR has added to the account. I did notice Settlement Fees for thousands of dollars each several times in the payment process which could be part of the problem. I need help. Where do I go or what can I do at this point?
Consumer complaint received 2022-11-01
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: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2024-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Recently I did an investigation on my credit report and found several items on to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

My loan provider at the time, XXXX, assured me that it would help me find the best repayment options for my loans and promised that they would get me on a plan that could reduce my payments to as low as {$0.00} per month and help to forgive of any remaining balance after XXXX years of qualifying payments. They defrauded me! 

When my loan was sold, I called my current provider XXXX and they told me that XXXX tried calling me several times during the time period that I was 'supposed ' to be late, however, I did not answer those calls, thinking that they were spam calls because XXXX XXXX already told me that my loans were in good status and that I didn't have to worry about anything else moving forward. 

XXXX has already been sued for widespread unfair and deceptive XXXX  loan servicing practices and abuses in originating predatory XXXX loans.
Consumer complaint received 2022-06-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2022 I was the victim of a XXXX scam. My bank is Bank of America. I immediately called them to file a claim. With the scam I ended up losing {$1000.00}. My bank is supposed to have measures against scams like this, but they do not. They told me that they can not give me my money back. I have been with this bank for over 10 years, and they should show a little more loyalty and compassion.
Consumer complaint received 2024-08-28
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. (GA)

Im requesting your help with this incorrect account reflected on my credit report. Ive flagged this issue because its been detrimental to my reputation, and I need your assistance. The poor handling of my credit report has severely affected me, as this incorrect information has harmed my reputation. You must correct these mistakes so I can live peacefully with my family.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

Im expressing extreme frustration and disgust with the inaccuracies and unauthorized inquiries found on their credit report. Ive gone through significant effort to identify and dispute these errors, citing specific violations of the Fair Credit Reporting Act ( FCRA ) and other relevant federal laws.

Key violations and demands : Incorrect personal information : Ive disputed the accuracy of their date of birth, name, previous addresses, and employers.

Unauthorized inquiries : Im disputing unauthorized inquiries from XXXX, XXXX XXXX, and XXXX of XXXX. 
Late payment disputes : Im challenging late payment entries on accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, citing a lack of proper notice. 
Debt validation requests : The consumer is demanding detailed validation of debts from XXXX XXXX XXXX, XXXX XXXX, and XXXXXXXX XXXX XXXX 
Credit report corrections : Im requesting the removal of all inaccurate information from their credit report and is demanding that the credit reporting agencies comply with the FCRA 's investigation and correction requirements.

I have included specific references to relevant federal laws, such as 15 U.S.C. 1681i ( a ), to emphasize their legal rights and expectations. I will take legal action if my demands are not met.
Consumer complaint received 2022-06-26
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. (FL)

In accordance with the Fair credit reporting Act, XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602A, states I have the right to privacy.

15 U.S.C 1681 Section 604A Sec.2, states a consumer agency can not furnish an account without my written instructions.
Consumer complaint received 2022-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC (NJ)

I made a payment on due date of XX/XX/XXXX. On their app it stated {$10.00} minimum due. On auto pay. I paid that. There was only {$39.00} used on the card at the time. 

I check back now XX/XX/XXXX and it says {$88.00} due past due. No notification, no phone call, nothing. I called them today. At first I called and after going through prompts continental finance it seemed like someone picked up the call and I heard background noise but no answer for like 5 mins. 2nd time I called I was eventually transferred to a lady who told me that minimum {$35.00} you paid less. I told her auto pay said 10 was minimum which I paid. She was firm and didn't refund my late fee. 

I ve been with this company for almost 3 years. I've paid my bill on time almost every month. At worse maybe 4 or days late but even through COVID I always tried to make it a priority to pay them on time. Made a lot money off my back with their interest. They have yet to give me any increases on my limit and shown me they don't value me. I can't cancel the card as it will hurt my credit age but I am disgusted with them and would like something done.
Consumer complaint received 2022-09-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: National Recovery Solutions, LLC (GA)

XXXX XXXX, with National Recovery Solutions , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Contacted me stating they received a private student loan collection account from a previous company. I asked them to provide the original debt documentation with my signature & all payments I paid to the previous company applied to the debt. They state they have that information to provide me but that I should charge the balance they have on file to a credit card account or borrower the money. XXXX is rude using forceful language using threat tones. He has called old employers ( I no longer work for ) and family member numbers XXXX  online using my name. I have the recordings. I will not be forced to pay a debt without proof I asked for.
Consumer complaint received 2024-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Experian Information Solutions Inc. (NV)

XX/XX/year> I am illiterate & I can not get my money because my name is not addressed correctly. I'm a rich XXXX XXXX XXXXXXXXXXXX XXXX won't let me read or pretend to read my material.
Consumer complaint received 2024-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, 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.

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 XXXX 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 informationisinaccurate.
Consumer complaint received 2022-06-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (FL)

I attended a for-profit school named XXXX XXXX XXXX part of the XXXX XXXX XXXX XXXX 
Recently the CFPB won a lawsuit against Navient/Sallie Mae regarding the predatory private loans that the students attending my college were forced into signing. I was one of those members and had to endure Sallie Mae/Navient hounding me for 9 years. In XXXX, a mere year and a half before the settlement that CFPB won, I finally was able to convince XXXX XXXX to scoop up my private loan away from Navient and drastically reduce my interest rate. I paid Navient over {$10000.00} in interest and barely touched the principal amount because of how high it was. XXXX XXXX took on my loan in late XXXX and now everyone that continued to endure Navient until XXXX had their private loans taken care of and relieved. I am furious that it took 9 years for me to get away from this company, and now because I was not psychic and could not know that Navient would lose this lawsuit and compensate back those that they bullied, Im still paying off that predatory loan at a slightly nicer interest ratebut it still exists nonetheless. It absolutely needs to be amended that those that broke away from Sallie Mae should still have some kind of compensation for the amount that they paid or for what we had to endure. Thank you for your time. Feel free to contact me regarding the matter at your earliest convenience.
Consumer complaint received 2022-06-26
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: EQUIFAX, INC. (GA)

I tried applying for a car and the dealership mentioned only applying for XXXX XXXX XXXX. 

These companies listed were not authorized to be applied to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-19
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. (CA)

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 2022-09-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Clearing House of America, Inc. (KY)

In XX/XX/2022, I dropped off receipts from my XXXX XXXX  account to Credit Clearing House of America showing the debt has been paid since XX/XX/2022, and yet the collection agency still refuses to stop reporting negative, false information on my credit report. The amount that they are erroneously stating that I owe is {$140.00}.
Consumer complaint received 2024-08-25
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. (CA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2022-05-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (KS)

My mortgage From XX/XX/XXXX to XX/XX/XXXX was serviced by Ocwen Mortgage. My mortgage is now being serviced PHH mortgage. When my mortgage was transferred to PHH, PHH informed me on a recorded line XX/XX/XXXX that my home loan went 8 months without payment causing XXXX to be placed on the end of my mortgage balance. Yes I did get a loan modification with Ocwen but my mortgage payments were still being paid. I have made some payments late but i jave never gone almost one year with ever making a payment since the inception of the loan in XXXX, Some how XXXX is missing from my payments. As a result, I have been unable to get a refin to lower my interest rate and overall my mortgage payments. I think I being vitumized by predatory lending by Ocwen and PHH mortgage. Can some one from your agency investigate why Ocwen transferred my loan to PHH mortgage with 8 missing payments totaling XXXX. I can provide documents showing payments were made.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-08-25
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. (PA)

I am writing to formally notify you that I am a victim of identity theft. As a result, there are fraudulent accounts and inquiries listed on my credit report that I did not open or authorize. I urgently request that these items be investigated and removed from my credit report as soon as possible. 

The fraudulent accounts and inquiries that I am disputing are as follows : XXXX. XXXX XXXX : Account Number XXXX Amount- {$7900.00} The Account does not belong to me. 

XXXX. XXXX XXXX [ XXXX 's XXXX ] Account XXXX XXXX This account is reporting a second time on the account XXXX. XXXX XXXX XXXX  Account number : XXXX Amount- {$7900.00} The following inquiries were not authorized by me : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of my FTC Identity Theft Report and/or a police report, along with any other relevant documentation that supports my claim, including a copy of my credit report with the fraudulent items highlighted. 

By the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), I request that Experian : 1. Block the reporting of these fraudulent accounts and inquiries on my credit report.

2. Remove any fraudulent information related to these accounts from my credit file.

3. Refrain from re-reporting these fraudulent accounts and inquiries.

Please provide me with a written confirmation once these items have been removed and an updated copy of my credit report reflecting these changes. Additionally, I request that you provide the contact information for any entities or businesses that provided this fraudulent information to XXXX, so I may follow up with them directly if necessary. 

This matter is of critical importance, and I appreciate your prompt attention to resolving these issues. Thank you for your assistance.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2022-06-26
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)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX US Dept of Education, Fed Loan # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions US Dept of