davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

Im accordance with the fair credit reporting act everything has to be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigated but how is that if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal. They also violated my rights under 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 : Also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

I previously opened a XXXX XXXX credit Card Account with XXXX  in 2012, I paid off my XXXX XXXX credit card account ending in XXXX, XXXX  Bill my account {$650.00} in fraudulent late fees. 

Furthermore XXXX  used unfair and deceptive business practices. I have disputed the billing issues numerous times on Experian and XXXX  responses to Experian were The information is correct : default
Consumer complaint received 2022-10-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (MN)

On XX/XX/2022 I called FedLoan Servicing to request that my student loan payments made on XX/XX/2022 ( totaling {$21000.00} ) be refunded to me since they were made during the Covid-19 federal forbearance period. They told me they submitted the request and it would take 2-8 weeks. It's far too wide of an estimate initially and it has also already been 6 weeks. My husband already received his refund from his student loan servicer and there's no excuse for it to take this long. On top of it all I called them today to get an updated status and their primary phone number didn't allow me to get ahold of an actual agent. There was no option that pertained to why I was calling nor was there an option to get ahold of the operator.
Consumer complaint received 2022-10-18
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. (NJ)

Hello I have a secured credit card from XXXX bank ( XXXX XXXX ) with {$200.00} credit limit. 
I opened this account on XXXX/XXXX/2022. 
Recently I lost my physical credit card and called to the bank to ask them to send me a new card. 
After that all three bureaus have changed the account status to closed, but actually I just reported the card was stolen or missing. 
I still have available credit limit and status of the account is current. 
My credit age now is 0 months and account balance is 0 also. 
I would like to ask to correct this information Thank you
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (SC)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2021-09-01
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. (NJ)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2022-10-18
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: CORELOGIC INC (FL)

I have the following several credit inquiries that were not authorized by myself. 

XX/XX/XXXX - XXXX attempted to access my credit report without my consent. Spoke with XXXX XXXX XXXX, a credit freeze and fraud alert was recommended. 

XX/XX/XXXX & XX/XX/XXXX - XXXX XXXX XXXX ( CREDCO ) pulled my credit report multiple days. I only authorized my credit pull on XX/XX/XXXX. 

XX/XX/XXXX - XXXX XXXX XXXX ( CREDCO ) pulled my credit report without my consent. 

XX/XX/XXXX - XXXX XXXX  ( XXXX XXXX ) pulled my credit report without my consent. I only authorized a report dated XX/XX/XXXX.
Consumer complaint received 2021-09-01
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: NAVY FEDERAL CREDIT UNION (VA)

On ( XX/XX/2016 ) I was a part of a consumer credit transaction this wasn't disclosed. Upon discovery I realized that I was Fraudulently damaged. 
Due to ( Title 15-1692A ( 3 ) ( COMMUNICATION-1692A ( 2 ) ( CREDITOR-1692A ( 4 ) Credit reporting is optional, there is no law in the US which says a transaction has to be reported to a consumer reporting agency. You will be civically liable if you do not reply because congress states credit reporting is optional.

Under title 15 USC 1681n civil liability for willful non compliance -Any person that willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in the amount equal to the sum of ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) In the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00} whichever is greater
Consumer complaint received 2022-03-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (UT)

I have a primary home mortgage with Rocket Mortgage. I signed up recently for their bi-weekly payment option ... .why? Because as a " Consumer '' I want to try and improve my financial position by paying my families mortgage off sooner! I assumed that Rocket mortgage bi-weekly payment program worked like every other bi-weekly payment program at EVERY other mortgage company in the world... meaning they apply my payment when they receive it which brings my AVERAGE DAILY BALANCE down and saves me the CONSUMER interest ... I also get the benefit of making one extra payment per year ... .BUT GUESS WHAT? The dishonest pieces of XXXX at ROCKET MORTGAGE dont apply the payment ... rather they hold onto it until my next monthly payment is due and then apply it ... SO RIDDLE ME THIS, HOW IS THAT IN ANY WAY BENEFICIAL TO CONSUMERS???? HOW? Could the PIECES OF XXXX at ROCKET MORTGAGE sit in front of a congressional hearing on how US CONSUMER get screwed and explain how this program in ANYWAY is beneficial to consumers??? ALl it really does is give the dishonest PIECES of XXXX at ROCKET the use of my money for an entire month. They get to make interest on that money and I DONT GET ONE SINGLE BENEFIT. Now, I am sure that these DISHONEST PIECES OF XXXX at ROCKET MORTGAGE have a SUPER PAC and XXXX  in DC that pay our politicians to allow to XXXX consumers! BUT PLEASE, CFPB... PLEASE PROTECT Consumers against these DISHONEST PIECES OF XXXX at ROCKET MORTGAGE ... their executives do this so they can protect their balance sheet by making more interest and they in turn get fatter executive bonus... But ALAS, there is not one thing a consumer can do ... NOT ONE SINGLE THING... They will stand behind their position that " It is in the fine print of the contract '' ... They can take their fine print and shove up their dishonest collective XXXX.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I have disputed this account several times. It keep coming back unchanged. This account was included in my XXXX filed on XX/XX/XXXX and DISCHARGED 0n XX/XX/XXXX. XXXX XXXX : XXXX. This creditor keeps reporting this account is a charge off and late on payment. If they keep reporting this way this account should be removed. or at least report the correct information. thank you
Consumer complaint received 2021-09-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates (IL)

I have received numerous calls but zero written communication from LJ Ross about a supposed debt. They have failed to identify their line of business and or the reason for their call. On XX/XX/XXXX, I was notified about a collection attempt added to my credit report for {$220.00}. It has seen been removed from my credit report through the dispute process. I don't have any outstanding debt that I'm aware of currently for {$220.00}. I need LJ Ross to stop calling me. I need all communication in writing and proof that this wasn't debt written off by a previous company sold on a list somewhere. I know most debt in this country is collected illegally outside of the statute of limitations. I am tired of having to hire attorneys to send letters to address fraudulent claims of debt.
Consumer complaint received 2023-06-20
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. (CA)

Account name : XXXX XXXX XXXX Account number : XXXX Balance : {$560.00} Upon reviewing my credit report, I came across an entry that I do not recognize and have no affiliation with. This unfamiliar entry raises serious concerns about the potential for fraudulent activity or identity theft impacting my credit history and financial well-being. 

As a responsible consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the steps necessary to address inaccuracies and fraudulent accounts on my credit report. According to the FCRA, consumers have the right to dispute unrecognized items within a specific timeframe. 

I kindly request that you initiate a thorough investigation into this matter and provide me with the results of your investigation in writing. If you find any evidence of fraudulent activity or identity theft associated with the aforementioned entry, I urge you to take immediate action to remove it from my credit report and ensure that it does not negatively impact my creditworthiness.
Consumer complaint received 2022-12-30
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Army and Air Force Exchange Service (HI)

I attempted using my Military Star Card issued by the Exchange Credit Program, based out of XXXX, TX, at a XXXX XXXX gas station which accepts the credit card. However, I could not complete the transaction after the card reader denied my Military Star card which offers a 5 cents per gallon discount for using the card when purchasing gasoline. Not only did this affect me, but the other customers using their XXXX XXXX for payment at the gas station also had their transactions denied and the customer representatives at the gas station told us we needed another form of payment due to the problem. I contacted the Exchange Credit Program customer service after the incident and they verified my acccount still remained in good credit standing. I want this issue investigated as to why this incident occurred. The Exchange Credit Program, as the credit card vendor, should work with the XXXX XXXX XXXX XXXX in avoiding a future recurrence of this problem. As often as I refuel my vehicle along with the current highcost of gasoline, the 5 cents per gallon discount offered by the Military Star card offerstremendous savings in the long term. However, continuously encountering problems with usingthe card would essentially negate the benefits of the cost savings offered.
Consumer complaint received 2021-10-18
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: WESTERN UNION COMPANY, THE (LA)

XXXX  card dcfs.. and XXXX  unemployment for almost a year off and on at XXXX XXXX , plus XXXX XXXX XXXX XXXX XXXX purchases under the other XXXX XXXX and are compromised and my emails keep getting back, and making additional ones. Moving money in my name at banks and have insurance on phones purchases through XXXX XXXX and theft and loss assistant and addition. I verified acct made a claim on an XXXX XXXX, due to Al acts being shut down and they absolutely sabotaged me and Ive called police and reported it and I know it was someone in my home now, due to my ignorance of how things work and I wasnt getting anything sent by email or mail. So how do I know for a year or so what has been in my XXXX besides my mail informant that the post office made for me like 3 years ago which the person goes behind me and has changed that and XXXX and cashed out my kids cd and has changed info and bday where they wouldnt pull it up and did that with XXXX  XXXX also but now it is back to Normal with that.Im waiting on XXXX and grant. money and they said to apply for funding and grants as I did and was approved and it say XXXX web XXXX XXXXXXXX  like XXXX  ) XXXX has said hijack browser and I just want it to end and keeping financial aid money through bank mobile and also school at XXXX and sign and run my credit score daily for years please look into everything Im saying please. Dont know what else to do and Im out of options here. They have used remote access control access as att said and apple, as I called capital one and acct there I dont have the number so they wont give me the info. Also at regions and this has been going on changing my numbers and my credit report was supposed to be friezes and XXXX  it and its XXXX pages long with experian. Also student loans I havent been to school since XX/XX/2018 and they have also off and on at dept of education. Everything is messed up purchases and my child support XXXX XXXX and any fund I had applied for and I do not know what to do Collecting unemployment got me shut off insurance XXXX and my 18 yr old and ebt and I am located in Louisiana where storm just hit
Consumer complaint received 2024-09-01
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. (NC)

I DID NOT CONSENT TO THE FURNISHING OF THE LISTED ITEMS. PLEASE PROVIDE PROOF THAT I GAVE CONSENT TO LIST ON MY CREDIT REPORT OR REMOVE IMMEDIATELY
Consumer complaint received 2021-09-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Peter Roberts & Associates, Inc. (MA)

I discovered a negative item on my XXXX credit report. My investigation requests with Peter Roberts & Associates are not being accepted by the company. They keep returning my letters as " refused. '' I have their address listed on their website and it has been verified as correct. It is : Peter Roberts & Associates XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MA XXXX According to my rights as a consumer under the fair debt collection practices act ( USC 1692g ) ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
Consumer complaint received 2019-11-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Adjustment Service, Inc. (CA)

I switched carriers and even returned the devices XXXX was supposed to send me a credit card to settle wth XXXX but I received nothing ..I called them several times and every time they would say it was on the way it was stressful to keep calling and hearing the same excuses I just gave up..i don't owe them a penny in fact they owe me because now XXXX has sent tht payment into collections too..I 'm so stressed out and frustrated I cant get a solution to either problem its messing up my credit score and my XXXX XXXX too..I 'm unemployed and this is the last issue I need in my life..these carries make promises and make it sound so easy but it is not..I 'm very disappointed in them..please please help me sort this problem
Consumer complaint received 2021-09-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC (NJ)

I am a homeowner who is in the XXXX field and due to COVID-19 I was working limited hours and only recently have we started to pick up hours almost back to normal. I am a single parent so there is one income at this point as well. I began the forbearance period in XX/XX/XXXX although I continued paying the mortgage until XX/XX/XXXX then with cut hours not coming back I stopped making payments due to the uncertainty of what the future holds. I spoke to my then servicer XXXX XXXX and they discussed future options with paying it back, they defer payments but I would owe my escrow. I spoke to XXXX at XXXX XXXX on XX/XX/XXXX at XXXX XXXX  to discuss my process to pay back and at that point I was told I owe {$5100.00} in escrow and then my regular payment would resume on XXXX XXXX. This was very fair. I filled out my loan modification package and emailed it back to XXXX XXXX. As I was waiting for a response from Loan Care I received a letter from XXXX XXXX saying I was sold to Gregory Funding as of XX/XX/XXXX. I called Gregory Funding many times to reach out and see how to begin payments. Each time I called I was told they don't have any information yet. Finally, I spoke to a XXXX [ forgot the date ] she mentioned that I should pay the now {$7500.00} escrow before they do an escrow analysis to avoid their escrow department calculating that into my monthly payment and it would go way up. Then, I spoke to XXXX on XX/XX/XXXX I wanted to get the exact escrow amount to pay and how I would pay it and should I also pay the XXXX payment. She advised me to not pay the escrow yet because if I had limited funds I may need that as a down payment after my mortgage was modified because they do not participate in deferral programs. She did recommend that I pay {$640.00} to at least make the XX/XX/XXXX payment complete. At this point I have no idea what to do it is impossible to get in touch with the company, each time I call there are 100+ calls they must take [ they have an automated voice that counts down ] if you leave a call back number they do not call back. In addition, I am basically told something different each time. I was also told a loan officer would reach out to me at some point to review my modification form that was forwarded from XXXX XXXX but I'm afraid that whatever payment option I do at this point it may hurt me financially and I'm very uncertain as to what step to take. A letter also came that said my mortgage was {$250000.00} before COVID-19 and now it's {$280000.00}. Where did the {$30000.00} come from if the idea of a forbearance was that interest would not be tacked on you were supposed to be deferred. Can this company change the deferment at this point or was it fair for XXXX XXXX to sell me to another company in the end of a forbearance before the exit was planned? Any help or direction would be greatly appreciated. 
Sincerely, XXXX
Consumer complaint received 2022-07-31
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. (TX)

Duty of person after receiving notice of dispute After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate