davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (LA)

On XX/XX/XXXX I spoke with Experian representative XXXX. He stated that he was in XXXX XXXX. During this call, I voiced my frustrations about not receiving results on disputes that were submitted beginning in XX/XX/XXXX through presently. I have countless documentation on the disputes submitted. After voicing my concerns, XXXX obtained further information on the accounts that I disputed and stated that he will be deleting them from my credit report. 
He also indicated that he will be sending me an updated credit report within XXXX business days. 

On XX/XX/XXXX, I spoke with a female representative of Experian who explained that XXXX basically lied and only removed " comments '' from those accounts. He specifically told me that they would be deleted from my credit report because I explained how they were inaccurate and the fact that they violated the FCRA by not responding with proof of the disputed information within XXXX days. 

Recently, I submitted further information to Experian and would like for them to delete the inaccurate, fraudulent, and unverifiable information from my credit report.
Consumer complaint received 2015-12-05
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (TX)

I have an excellent credit and chase credit card charge me a 27.99 % interest rate and I was told they can not lower my interest because when I open the account, that 's how the interest rate was, that 's more than 10 years ago, I told them that I am always on time making my payment and never late, I was thank for that, and XXXX XXXX a supervisor said he can not help me with that, this is not right, I ask what is the interest rate for a person with bad credit 50-60 %, apr or what is it, I told them iam am even tempted to default in the account, this is robbery and abuse for the consumers, you want us to fail on this difficult time
Consumer complaint received 2016-02-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (MA)

I was denied credit because the telephone number listed in my " fraud alert '' is old and incorrect. On XXXX XXXX, 2016 I disputed the incorrect phone number online and submitted the required proof of address via USPS first class mail and the phone number still did not get changed. My correct home phone number and cell phone number are included in the attachments as are the required proof of address documents. I tried uploading this information 3 times on XXXX/XXXX/2016 to Experian 's online dispute system and it would not accept it. I received a new report " correction summary '' dated XXXX/XXXX/16 from Experian last evening ( XXXX/XXXX/16 ) via USPS and it still has an invalid phone number in my " fraud alert ''. 

On XXXX/XXXX/16 XXXX, with whom I applied for credit, requested that I telephone Experian and get the invalid telephone number corrected. I could not get through to a human being at Experian and their automated system did n't seem to offer the proper options after numerous attempts.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have made multiple efforts to rectify the fraudulent, inaccurate, and misleading information on my consumer report, but the problem persists. These erroneous entries have severely affected my well-being, causing considerable distress. I must emphasize that I never authorized or agreed to have this information linked to my identity, as I have been a victim of identity theft.
Consumer complaint received 2015-08-09
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (CA)

While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on Experian. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.
Consumer complaint received 2024-08-09
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'm writing to express my concerns on a couple issues I've encountered with the credit bureau. False account listings, numerous illegal inquiries, inaccurate credit reporting, inconsistent billing, and accounts that are not mine are some of these issues. 

In order for me to be financially secure, I need assistance in solving these issues.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

violation of 15 U.S. code 1681 Third Party Agency XXXX XXXX XXXX failed to comply with requirements to i the consumer in order to report to any credit bureau. XXXX failed to follow dispute guidelines, CRA violated the FCRA by not following the guidelines for handling disputes. Verification letters were sent off on XXXX and XX/XX/year> requesting proof to be given within a 15 day time frame which has passed. No proof was sent back regarding verifiable proof, an original consumer contract with my signature on it for the account listed. Debt claimed owed : {$990.00} Original Creditor : XXXX XXXX XXXX
Consumer complaint received 2015-03-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CREDIT BUREAU OF NAPA COUNTY, INC. (LA)

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!
Consumer complaint received 2015-03-23
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Agency of Credit Control (CO)

I wrote the debt collector a letter to dispute the charges based on my dentist lying to me about when the procedure was necessary. They originally stated that my balance was {$670.00} upon receiving the debt verification invoice from them they stated the correct total of {$530.00}.
Consumer complaint received 2015-08-10
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: URS Holding, LLC (FL)

XXXX continues to bill me for a paid service, my medical insurance paid this bill, They have turned me over to collection, and added $ XXXX in added fees .I previously contacted them to contact XXXX and Medicare. My XXXX per their clause XXXX : XXXX { B } { XXXX } requires provider to accept XXXX allowable as full payment.
Consumer complaint received 2015-12-07
Product: Bank account or service — Cashing a check without an account
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION (MD)

I have XXXX different loans with Navy Federal Credit Union that I got behind on atleast XXXX payments about 6 months ago. I called the credit union and make payment arrangements and they were very helpful over the phone. The representative stated since I ' am a long term consumer that they would off set my finance charges and adjust my credit history to paid asgreed. A couple of months has past since the last conversation with Navy Federal and at this time their agreements were not satisfied per our conversation. My monthly payments are getting outrageous.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is 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 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am asking for your help with this incorrect account thats showing up on my credit report. Ive brought up this issue because its damaging my reputation, and I need your help. The way my credit report was managed has put me in a tough spot, as this incorrect reporting has hurt my reputation. Please correct these mistakes so I can live with my family.
Consumer complaint received 2024-08-31
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. (MS)

I 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, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 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 if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions
Consumer complaint received 2015-12-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CHARLES SCHWAB CORPORATION, THE (CA)

I have a Charles Schwab checking account and brokerage account for more than one year, and one day, they suddenly think I am doing fraudulent things and they closed all my accounts later. I did n't do anything illegal at all, I ca n't endure it!
Consumer complaint received 2015-08-09
Product: Credit card — 
Issue: Payoff process — 
Company: WELLS FARGO & COMPANY (NC)

I took out a credit card through Wells Fargo to purchase furniture at XXXX XXXX. I was lead to believe that the payment schedule set up in the store would satisfy the payoff requirements to take advantage of the no interest loan over 12/18 months. This was not correct and when the balance was due I could n't afford the balloon payment and was charged back interest at a rate of 28 %. If I had known that the payment schedule set up for this loan was insufficient, I would have purchased less. In fact, I tried to purchase less and the XXXX XXXX employee said he restructured the loan so that i would only be paying XXXX a month. He assured me that this payment schedule would satisfy the no interest loan requirements. This has put me in a very difficult situation and I feel that I was seriously mislead by the individual at XXXX XXXX. I have contacted both XXXX XXXX and Wells Fargo and they have told me they are unwilling to help.
Consumer complaint received 2024-08-29
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)

XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Experian XXXX XXXX XXXX, XXXX, TX XXXX REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRY To Whom It XXXX Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. Your immediate attention to this matter Is appreciated XXXX XXXX DOB- XX/XX/XXXX XXXX XXXX XXXX XXXX NY XXXX Email - XXXX SSN- XXXX Phone number XXXX Inquiries that need to be removed are listed below XXXX- XX/XX/XXXX XXXX BANK XXXX XX/XX/XXXX XXXX- XX/XX/XXXX
Consumer complaint received 2015-05-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (RI)

I needed a credit report for a state bar application and I chose Experian. Their records were not current in some instances and so I submitted a dispute. This was resolved but the closure dates on XXXX accounts changed from the original date that each creditor had on record to the date of the dispute. I filed a second dispute to correct this issue and the dates merely changed to the date of the new dispute and did not reflect the original date of closure. For XXXX days from XXXX to XXXX I called Experian and the XXXX card companies getting conflicting information and endless blame shifting and stone-walling to correct a simple record-keeping error. The credit card companies also informed me that disputing inaccurate information would harm my appearance of creditworthiness! Experian refused to consider that both XXXX and XXXX had the correct dates and that the card companies had never changed these dates and had consistently reported the correct and original date of closure in all three instances. The changes were happening only at Experian and they gave me conflicting procedures on how to 'change the date back to the original date, ' a problem that only ever existed in their system. The card companies happily offered to send letters to me with the original dates, but could not send an update to Experian because their own records already reflected that they had sent the proper updates, including the original closure dates. There was no change to be made 'in fact ' only in the record keeping of this one reporting agency. Each time I spoke with Experian the procedure for fixing the issue changed. I only wanted accuracy and honesty for the benefit of my bar application. Little did I know I was harming my credit by filing disputes on long since closed and good credit accounts. This is an ongoing Orwellian nightmare, and if it is not soon resolved it may harm my bar application process!
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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 XXXX. 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 XXXX  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 XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 2015-08-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TX)

We took out our house loan XX/XX/XXXX. The loan was with Homecomings Financial - Loan # XXXX and Account # XXXX for around {$160000.00}. Sometime later it changed to GMAC Mortgage. Again sometime later OCWEN took over. Account # with them is XXXX. I would say XXXX % of the payments I also paid extra principal. I started out just paying extra towards the principal and then I got a copy of the Amortization schedule and paid the principal applied for the the upcoming month. We had it figured and was told by our mortgage officer that if we got a 30 year loan and paid the extra that our house would pay off in 12 years instead of 30 years. We are right at the 12 years and OCWEN is saying that we still owe {$83000.00} and our loan will not pay off until XXXX XXXX, XXXX. I have sent OCWEN numerous letters informing them of this and all they send me is a printout of what we have paid. I know what we have paid. I am the one that paid it. I CAN NOT understand their people on the phone because they do not speak very good English. I have plenty of documents from Ocwen and to Ocwen. I sent my last letter certified mail to the attention of the Manager of the Servicing Department at Ocwen with copies of payments I have made which included additional principal paid throughout the years. They sent a letter explaining where they post the payments too. They have sent me this letter many times. I am going to try and attach my certified letter, their certified letter and printout of my payments.
Consumer complaint received 2015-12-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

I am delinquent with my home mortgage and have a foreclosure sale date scheduled on XXXX/XXXX/15. My mortgage company is Ocwen and they are reviewing me for a loan modification. I need help getting the sale date postponed to give more time for the review. Any assistance you can provide is appreciated, thank you.
Consumer complaint received 2015-08-08
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: WEICHERT FINANCIAL SERVICES (NJ)

. I am currently having issues with my lender, XXXX, XXXX Weichert Financial. Yes I do have an attorney but I 'm afraid that all parties involved are at the mercy of my lender. Also with all the delays already, time will not allow me to find a new lender and restart the process. I have already filed a complaint with the nj department of Banking, but again time is against me. My wife and I are already suffering monetary and emotional damages. And these damages will be even greater if the seller refuses any more extensions. This is why I am pleading for help. 
The company delayed the processing of my loan. Company 's internal delays forced me to sign all the application paper work 4 times, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15. All the meanwhile the company kept requesting redundant information, such as pay stubs. Closing was pushed XXXX times. Mortgage commitment was dated XXXX/XXXX/15 but was not released to me until XXXX/XXXX/15, with a page full of conditions to be met and closing scheduled for XXXX/XXXX/15. I have met all conditions with in 1 day except for the XXXX that required seller approval. They refused to proceed in lieu of seller response to condition requests. This caused additional delays, forcing the company to again request updated pay stubs. The loan program that I was trying to obtain was through the USDA, and all information was to be sent to USDA for final underwriting. Company delays caused the file not to be sent in a timely manner, and when the company finally sent the file to USDA, the updated pay stubs reflected a pay raise in my wife 's income, making me no longer eligible for the USDA program by a very marginal amount. Now I am forced to go with a more expensive FHA loan product and redo the process again. If the company processed everything in a timely manner, I would have closed before the issue of my wife 's surprise pay raise. Bottom line is that this company will cost me additional money for the next 30years because of their wrongdoing. Now all the same issues are happening again with the processing of my new loan file. Closing was scheduled for XXXX/XXXX/15 but it is pushed again ( if I get seller approval ) for internal process delays. I have almost all communications in writing via email and can explain the issue better over direct contact with investigator.