davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-20
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. (IL)

Hi I am submitting this 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 719XXXX 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 n i made this clear for 60 days straight with XXXX 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 n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n 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 n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-10-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Byrider Franchising, LLC (IL)

CNAC XXXX XXXX. took my car after I singed a new contract with them regarding two late payments that they had put at the end of my car loan which had me up to date on my car note the day my car not was due I went to pay it at XXXX in the amount of XXXX The CNAC locked me out of my account the following day sent me a letter of repossion the following day they came and took my car. I called and spoke with a loan person who told me that CNAC was backing out of the loan and I still have to pay for the car. As of today XX/XX/2022 I received a letter of intent to assign wages at my current job after close review I of all the paperwork that the company falsified my social security number. They also declined payment and arbitration agreement that was completed in the contract and forced a repossession on my back ground with a false information.
Consumer complaint received 2024-12-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (IL)

XX/XX/XXXX 2 days past Processing time they deposited check on XX/XX/XXXX. - was told they did it on the XXXX on XX/XX/12. Initial told us 3-5 days to process the check. 

Funds were made available in restricted escrow on XX/XX/XXXX. Now they are saying funding has to be verified for release. But the check is cleared and in the restricted escrow. 

Management transferred us to customer service. Spoke with customer service the situation. They asked if wed spoke with the loss draft department. We said yes. They said allow me to put you on a brief hold and then transferred us back to the lost draft department. 

Approved to be mailed out today. - XXXX ( member of lost draft department at NewRez ) - XXXX  ( manager in lost draft department ) said funding is not available. 
- - Check has been written- XXXX ( member of lost draft department ) - - XXXX told us the check is in written status and needs to be moved over to a ledger ( supervisor in lost draft department. ) Prior to this we were told by XXXX XXXX a supervisor that the check we sent and they deposited on the XXXX of XXXX cleared on the XXXX of XXXX and the check was mailed out on the XXXX of XXXX. However, this never happened. 

We were also told on the XXXX of XXXX, by XXXX, that the funds would be sent out on the XXXX of XXXX or the XXXX of XXXX at the latest. We were also promised a call back by XXXX for XXXX the XXXX and have still yet to receive a call back.
Consumer complaint received 2024-12-16
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc. (NJ)

Hello, About a year ago I had a loan with Moneylion. Today on XX/XX/year> I realized they have been taking {$9.00} out of my account for over two years. Today I counted 31 transactions for {$9.00} for a " XXXX XXXX XXXX XXXX '' - They take out {$19.00} monthly. I never agreed to this and When I try to cancel they say I can not cancel do to an outstanding loan balance, which I do not have a loan balance. Even if I did have a balance I am not supposed to be charged {$19.00} monthly for a membership I do not want nor need. 

I am requesting a refund of all the fees from XXXX XX/XX/year>. 

At current count I am counting {$310.00} in fees. 

I would like them to be returned to the account they were taken from!!!
Consumer complaint received 2024-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC (MI)

Per federal mandates and germane state instructions, no organization can report impudent info if divagated from ethicalness, truth, fairness, accuracy, adequate completeness, necessary timeliness, verifiability, validity, and/or certifiable compliance of reporting requisites must be adhered to. This is particularly relevant in the case of an infraction when a reporter ( XXXX ) and/or any accepting repository ( ies ) act willfully NON-COMPLIANTLY or with seeming negligent ignorance, or even with reckless abandon, in relation to expectations and actual credit reporting behaviors. 

Failure to adhere to established credit reporting standards does NOT necessarily lead to factually erroneous or incomplete accusations being allowed to report regretfully and unfairly against a consumer. However, it is irrefutable that the very intent of industry standards is to better afford participants the capability and competency to function in the greatest accordance with obligations compliantly. 

Hence, the XXXX  own XXXX manual establishes the requirements for claiming consumer record ( XXXX ), within the supposed-to-be-enforced XXXX XXXX Data-filled Field Formatted reporting standard ( XXXX ). There can be no veering from these standards without discrediting the honesty, let alone the correctness, of questionable assertions made by any reporter and allowed by any repository of consumer credit data. 

It is the paucity of provable integrity that lays the foundation for a potentially injured consumer to be concerned about any claim ( XXXX ) XXXX questionable dossier ( XXXX ), which lack certainty of fact ( XXXX ). For this reason, and others defined further below, I DEMAND THAT YOU perform to DISMISS NOW AND PERPETUALLY this currently inadequately reported accusation ( XXXX ). This includes inept reporting due to reporter failure to satisfy the privilege to report or any involved body of declarations that failed to navigate through and beyond the summons to contest claims report-ability. 

I require document evidence demonstrating that factual, certifiable, correct reporting procedures, prices, and standards were and are now still absolutely abiding by and in full harmony with the requirements that MUST have been obeyed.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Consumer complaint received 2022-10-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative 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 with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
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: EQUIFAX, INC. (FL)

In accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account XXXX have violated my rights
Consumer complaint received 2022-09-02
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

I am a 100 % XXXX military veteran that is being taken advantage of after repeatedly informing Wells Fargo the mortgage servicer that Im sick and am dealing with various physical and mental health issues. My wife who is also a veteran has been caring for me and the family as a home maker. They approved a payment deferral plan but put in a lawsuit to foreclose on the house anyway back in XXXX of XXXX. There was approvals for the extension within the 3 month timeframes but they acted in bad faith anyways. They agreed to add the arrears to the end of the loan extending the term. When it came time to discuss repayment options they did not want to fulfill their obligation that was agreed upon but instead qualify me for a loan modification. I contacted them frequently staying in constant communication with updates. A letter dated XX/XX/XXXX by Wells Fargo stated that I was approved for a short sale but not eligible for other repayment options. I called them to appeal the decision. Then XX/XX/XXXX I received a letter from Wells Fargo stating that our account is not eligible to be reviewed for assistance and they were continuing the foreclosure process. We got a letter from the XXXX XXXX for the XXXX XXXX XXXX in XXXX XXXX stating XX/XX/XXXX that the court previously entered a final judgement of foreclosure XX/XX/XXXX and is rescheduled to take place on XX/XX/XXXX signed and ordered by the judge on XX/XX/XXXX. My housing situation has changed with my son and XXXX grandchildren moving in after XXXX because rent prices spiked 60 %. Not only do I have more dependents but my financial situation has changed with more rental income. Now me, my wife, children, and grandchildren are in danger of being homeless because the mortgage servicer Wells Fargo greedily wants to short sale and foreclose on my home which has $ XXXX equity instead of providing the repayment option that makes the most sense. There is no reason they should not honor the appeal and add the arrears as an extended term of payments beyond the XXXX year mortgage.
Consumer complaint received 2022-06-17
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. (AL)

After reviewing my credit report I discovered fraudulent accounts and inquiries opened in my name. 

The following Inquiries were not done by me. 

XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX bank XX/XX/XXXX The following accounts were not done by me. 

XXXX XXXX, XXXX account number XXXX {$310.00} XXXX Account number XXXX {$360.00} XXXX XXXX Account number XXXX {$710.00} XXXX XXXX Account number XXXX {$81.00} XXXX XXXX Account number XXXX {$380.00} XXXX  Account number XXXX {$20000.00} {$14000.00}
Consumer complaint received 2024-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

XX/XX/XXXX, Upgraded checking account to XXXX relationship account in branch, appointment XXXX. Upgrade was for a promotion, {$2500.00} bonus for {$250000.00} in funds for 90 days. On upgrading the account, I received documentation the promotion was applied, XXXX. I completed the terms of the promotion ; the {$2500.00} bonus was not credited to my account as required. On XX/XX/30 I contacted the banker and the branch manager - XXXX XXXX XXXX, XXXX XXXX, to initiate a support ticket to have the bonus credited. No response. On XXXX I contact the XXXX  XXXX  Support desk via phone, they verified I was enrolled in the promotion, and they verified I met the terms of the promotion, they stated they would open a support ticket, and the bonus should be credited within 5 business days. Bonus has not been credited and I have received no response.
Consumer complaint received 2022-10-18
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Lendmark Financial Services (TN)

To Whomever it may concern ; This Complaint is about the consumer credit transaction iniated on XX/XX/2020 with your financial instituition executed by way of signing an agreement ( Document ). As per 15 USC 6827 ( 3 ) The term document means any information in any form. 
The provisions of 15 USC 6801 ( A ) require financial institutions to notify consumers of their information sharing practices and provide for a right to opt out of certain sharing. 
In the above -mentioned Consumer Credit Transaction without giving me the opportunity to opt-out, your institution, your institution furnished my nonpublic personal information to nonaffiliated third parties ( XXXX, XXXX XXXX XXXX ) According to 15 USC 6809 ( 4 ) ( a ) The term nonpublic personal information means personally identifiable financial information 01 Provided by a consumer to a financial institution 02 Resulting from any transaction with the consumer or any service performed for the consumer ; or 03 Otherwise obtained by a financial institution Further, pursuant to 15 USC 6809 ( 5 ) the term nonaffiliated third party means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. 
Therefore, as per literal interpretation, the organization named XXXX, XXXX, and XXXX are nonaffiliated third parties and your institution has violated the provisions of 15 USC 6802. 
In case your company admits that the company named XXXX, XXXX, and XXXX is affiliated, it has still violated the provisions of FCRA ( Fair Credit Reporting Act ). 
PuUnder5 USC 1681a ( d ) ( 2 ) ( a ) ( ii ), the consumer report will not include any information communicated among persons related by common ownership or affiliated by corporate control. 

Further, 15 USC 1681a ( d ) ( 2 ) ( A ) ( iii ) states that if a company wants to communicate other information among persons related by common ownership or affiliated by corporate control, it shall be clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer shall be given the opportunity to direct that such information not be communicated among such persons.

Therefore, your company has not only infringed my right to privacy but also violated multiple Federal Laws.

I hereby request you to remove the below-mentioned information from my consumer report 01. Remove all late payments If you accept my complaint I will not escalate this matter to a federal complaint. 

Thank you for your attention to this matter.
Consumer complaint received 2022-11-01
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. (GA)

On XXXX, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative 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 with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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. 

The information that is shown about this fraud bankruptcy on XXXX and TransUnion is completely inconsistent. XXXX says the date filed was XX/XX/2019 and Transunion says it was filed XX/XX/2019. They also both have different reference numbers. Lastly, Transunion says the Court is US Bankruptcy Court, while XXXX says it's Federal Court.
Consumer complaint received 2022-07-24
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. (NJ)

I have reached out numerous times regarding these accounts listed on my Credit profile. There are XXXX accounts listed which are invalid. Each time I have submitted a complaint the response says that the debt has been at this time I am strongly considering contacting a lawyer about this issue. There is no reason that XXXX and Experian are not checking the actual validity of the debt.
Consumer complaint received 2024-08-27
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. (FL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my Experian & XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 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 shall ( i ) promptly delete that item of informatio
n 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.

And according to 15 USC 1681s-2 they are suppose to 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.