davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-04
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)

My account with was never late! I have had exceptional payment history witH XXXX XXXX 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 60 days 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. 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 XXXX
Consumer complaint received 2017-12-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

I attended one semester of College in XXXX beginning in the fall of XXXX. Because my family could not afford to send me to school, we had to borrow money for the first two semesters of school which came out to two loans from XXXX XXXX for a little over {$8000.00} each with an interest rate of under 8 %. After attending the first semester of school my family fell on hard times and I had to drop out to help out around the house and support my family while the interest kept growing the size of the loans that I was unable to repay. After months of harassing calls, letters and e-mails including multiple calls to my grandmother each day who co-signed on the loan I was presented with the opportunity for forbearance where I could pay only {$100.00} and they would stop calling me and my family. Also this would not impact my credit as my account would show as up to date. I agreed to this and have agreed to this many times since over the years. Now, I am fiscally stable and working and am attempting to make payments on the loans to who is now Navient however the total balances of the loans are over {$45000.00} dollars and the interest rate has grown to 13.125 %. 

I feel that this is a criminal amount of money to have to repay for such a small loan. The balance is now so large that I can hardly afford the payments while maintaining living expenses which has taken an extreme and negative impact on my credit score. I am still young and would like to get this resolved so that I can start my life but I am feeling overwhelmed and am not sure where else to turn. Please let me know if you or someone is able to help me out of this mess. Thank you!
Consumer complaint received 2017-12-05
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. (MD)

I divorced my husband, XXXX XXXX XXXX, on XX/XX/XXXX. We had a joint mortgage together with XXXX XXXX opened since XX/XX/XXXX. The account number for the mortgage was # XXXX. Under the divorce decree, it was ordered that my ex husband would continue to reside in the home and would be solely responsible for paying the mortgage in a timely fashion, among other things. We separated in XX/XX/XXXX and I have not lived with him at the property ever since, but the divorce was not made official until XX/XX/XXXX. In the months after the divorce, it seems he fell behind on payments to the mortgage starting in XXXX to XX/XX/XXXX. This unfortunately led to late payment remarks to be reported to my credit for XXXX, XXXX, XXXX and XXXX. These late payments have ruined my credit and I feel this is unfair as I was no longer financially responsible for the mortgage after XX/XX/XXXX per our divorce decree. I have been trying to work with the credit bureaus in the past couple of months trying to explain my situation but I have not gotten a resolution. This mortgage has been completely been paid off since then so there is no longer even a balance on my credit report. I am filing this complaint as an appeal to XXXX XXXX to remove the four late payment dates from my credit report that were added after XX/XX/XXXX. I am attaching a copy of my entire divorce agreement as a supporting document. The section relating to our marital home is on Page 6 and clearly states that my ex husband would be solely responsible for the mortgage after the divorce.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

Experian is reporting 2 cooections reported by third party collection agency XXXX XXXX XXXX XXXX is reporting a collection acc XXXX. this collection is being reporting as a open account and a past due account both. Violations of the fair reporting act
Consumer complaint received 2017-12-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (PA)

Additional details and documentation attached ... 

Approximately 10 months in on a 30 year FIXED rate mortgage. The loan servicer " Ocwen Loan Servicing, LLC ''. Has informed us that they are changing / increasing the amount of our Principle & Interest payment??? 

Although a minor increase. We were informed from the start that a 30 year fixed rate mortgage is exactly that - Fixed!!! This is NOT an escrow issue ... They are increasing our interest payment. 

We feel this may be the tip of the ice burg! Ocwen services millions of loans and may have been doing this for years to millions of other borrowers! 

XXXX XXXX XXXX, XXXX
Consumer complaint received 2017-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have reported several items at several times to all 3 credit bureau 's but all accept Equifax has taken the actions to investigate and correct the reported fraudulent accounts. The following are the account names and amounts : XXXX XXXX : {$0.00} XXXX XXXX XXXX/XXXX : {$660.00}, {$150.00}, {$2800.00}, {$3100.00}, {$3900.00}, {$6200.00}, {$1400.00} XXXX : {$1300.00}, {$1100.00},
Consumer complaint received 2024-09-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

" 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 2017-12-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (TX)

Hello my name is XXXX XXXX on XX/XX/XXXX my friend XXXX XXXX used " XXXX '' to send me money he owed me for rent. I never used it so I downloaded it fast and he transferred it. It initially said it would be in my account onXX/XX/XXXX. Now XXXX is saying my account is deactivated and they money is stuck in there they will not transfer my money. They are accusing me of having 2 accounts with them which is not true! And now I do n't get my money because of it
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act, XXXX XXXX Acct # : XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights to privacy 15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without written instruction 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason
Consumer complaint received 2017-12-06
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: EQUIFAX, INC. (WA)

MY HUSBAND AND I WERE THE VICTIMS OF IDENTITY THEFT AND FRAUD AFTER WE LOST OUR HOME TO FORECLOSURE. WE SUSPECT OUR MAIL AND SOME BILLS WERE STOLEN FROM OUR OPEN MAILBOX AFTER WE LEFT.UPON REALIZING OUR IDENTITY WAS STOLEN AND NUMEROUS FRAUDULENT ACCOUNTS WERE OPENED IN OUR NAMES, WE FILED IDENTITY THEFT REPORTS WITH THE FTC, POLICE REPORTS DOCUMENTING THE THEFTS, NOTIFIED ALL THE APPROPRIATE CREDITORS, FROZE ALL OUR CREDIT FILES AND BANK ACCOUNTS. THIS HAS BEEN VERY STRESSFUL WITH THE BIRTH OF OUR CHILD AS WELL. I HAVE NOTIFIED CREDIT REPORTING AGENCY EQUIFAX AND XXXX NUMEROUS TIMES VIA FAX AND CERTIFIED MAIL WITH RETURN RECEIPT. EQUIFAX AND XXXX  HAS REFUSED TO HONOR ALL OF MY EVIDENCE, OFFICIAL IDENTITY THEFT POLICE REPORTS, FTC IDENTITY THEFT REPORT, NOTARIZED OFFICIAL AFFIDAVITS AND OTHER SIGNIFICANT PROOF OF THIS CRIME. I HAVE EXHAUSTED ALL MY EFORTS IN RESOLVING THIS PROBLEM. I SIMPLY WISH TO BE LEFT ALONE SO WE CAN BEGIN TO REBUILD OUR CREDIT AND LIVE NORMALLY. ALL I REQUEST IS ALL THESE FRAUDULENT ACCOUNTS BE DELETED FROM MY CREDIT REPORTS AND COLLECTIONS CEASED.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I XXXX XXXX am sending this information personally and on my own behalf. The account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Account No. : XXXX is being reported to the Credit bureaus incorrectly and without my consent and therefore should not be on my consumer report. 15 USC 1681 states that I have a right to privacy and section two of that same law 15 USC 1681 Section 602 section 2 states that a consumer reporting agency can not furnish an account without my written consent I HAVE BEEN VIOLATED AND DEMAND THAT THIS ACCOUNT BE REMOVED. XXXX XXXX XXXX can not produce any documentation proving that I ever had a contract with them, in fact they can not produce any signed contract with my signature. TRANSUNION XXXX AND XXXX did not verify any of this information before publishing this information which is another violation of my rights. Also if a consumer disputes the validity of a debt or any portion of a debt the collection agency must cease collection of the debt. ALSO BILLING STATEMENTS ARE NOT EVIDENCE OF A DEBT and providing statement is not validating a debt.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I contacted XXXX XXXX  due to a fraudulent reporting on my credit as a charge off for this unknown account. XXXX XXXX stated over the phone, I spoke with XXXX, stating how there is no accounts connected with my social security number so that means someone is reporting fraudulent information on my behalf. This is disastrous to my well-being and my future plans. I am in school trying to apply for a new apartment and I was denied due to incorrect information reporting through Experian.
Consumer complaint received 2017-12-12
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. (TX)

Since the beginning of this year, I have fought tooth and nail in trying to correct items on my credit report with Transunion. The wrong address are still being reported, the wrong employer as well as inquiries. In additional to the XXXX XXXX XXXX, I became a victim of fraud in the worst possible way. Late fees have appeared on my credit report, credit cards that I did not approve - XXXX XXXX, high credit card balances due to fraud have all shown on my credit report. These issues has been dealt with, with each creditor, but has yet to my removed from my credit report.
Consumer complaint received 2017-12-06
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. (NV)

Experian was notified on XX/XX/XXXX that the XXXX XXXX account had been charged off on XX/XX/XXXX. Prior to XX/XX/XXXX Experian was reporting the XXXX XXXX account as closed, current, and never late. As of XX/XX/XXXX Experian changed the XXXX XXXX account to Derogatory along with a balance of {$800.00}. Experian Credit Reporting Acengcy also listed that the account had been charged off on XX/XX/XXXX. That is seven years after the actual account was charged off. This is re-aging an account and is illegal. The account is over seven years of age and should not even be on my credit report!!!! The original loan was never even in my name. It was a car that my husband leased in his name. I will include letters from XXXX XXXX showing only my husband listed as the borrower, proof of when the account was charged off, copies of my credit report from Experian Credit Reporting Agency showing that they charged off the account one month ago on XX/XX/XXXX. I am now getting notifications as if I just filed a bankruptcy, when in fact my bankruptcy was discharged back in XX/XX/XXXX.
Consumer complaint received 2017-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

XXXX XXXX XXXX is reporting 30 day late pay on credit reports for XXXX XXXX. I filed a dispute with XXXX XXXX XXXX XXXX in XXXX XXXX. XXXX XXXX XXXX XXXX deleted the late pay for XXXX XXXX and sent a letter to me stating the outcome of the investigation. In XXXX XXXX I was notified by credit monitoring company I had a late pay added to my file for XXXX XXXX from XXXX XXXX XXXX XXXX. I contacted XXXX and they stated they made a error and would send correction to reporting agencys. I wrote a dispute to reporting agency with supporting documentation from XXXX. I received my investigation reports back from reporting agencys with no change.
Consumer complaint received 2023-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (NY)

On XX/XX/XXXX, I used the " send & split '' feature in the American Express ( Amex ) app to request {$930.00} USD from my husband through XXXX. My husband accepted the request which transferred the money from his XXXX to my XXXX. XXXX XXXX automatically transferred {$930.00} to AMEX and it was properly credited to my AMEX account from XXXX on XX/XX/XXXX. ( XXXX Transaction ID : XXXX ). This is how the send & split feature is supposed to work. 

However, in an email correspondence from XXXX on XX/XX/XXXX XXXX from XXXX stated the following. " In XXXX, XXXX had some technical issues where some transactions were duplicated. '' Due to this technical issue, on XX/XX/XXXX the request for {$930.00} was duplicated to my husband 's XXXX account and he responded to the request, thus withdrawing another {$930.00} from his XXXX which was successfully transferred into my XXXX account as verified by XXXX Transaction ID : XXXX. As soon as the money entered my XXXX account it was automatically transferred by XXXX to AMEX under XXXX Transaction ID : XXXX. However, this money never was credited to my AMEX balance. Therefore, I am owed {$930.00}. 

I contacted XXXX on more occasions than I can count to resolve the issue. Upon review of XXXX XXXX Office of Executive Escalations in an email on XX/XX/XXXX they stated " XXXX successfully sent the {$930.00} USD payment to your external wallet AMEXP2PPASS ending XXXX. '' I asked XXXX to clarify what this AMEXP2PPASS account was, as it did not match my AMEX account number. XXXX 's response on XX/XX/XXXX stated : " The account ending in XXXX is AMEXP2PPASS. This is an external wallet with American Express. XXXX does not own that account and can not provide instructions on how to access it as it would be with American Express. '' Upon requesting more information on this account on XX/XX/XXXX XXXX stated : " Due to the privacy and security of our customer accounts we are unable to see the full account number. However the last four are XXXX. '' Followed by the statement " We successfully sent the money to the account mentioned above and we do not have the funds in our possession. '' I then contacted AMEX on various occasions to resolve the issue. AMEX requested the following information : " If you paid with a non-American Express online account/third-party vendor or bank/wire transfer, please send a transmittal form, which you can obtain from your financial institution. The transmittal form should include the bank routing and transit numbers as well as the American Express account number to which the money was credited. '' When I contacted XXXX to obtain such information their response was : " As XXXX is a payment platform, we do not have a routing number that we can share. We only act as a medium through which transactions can be processed. '' I shared this information with AMEX and I uploaded all the correspondence I received from XXXX to help clarify the issue. Yet, AMEX closed my case three times with no outcome.
Consumer complaint received 2023-09-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings (MD)

Zion Debt Holdings has been reporting me as owing a debt of approximately {$570.00} for XXXX home security. The agency claims that I owe them the money because I was a joint account holder with my mother, XXXX XXXX. This is not true. 

I informed Zion during a phone call in XXXX that my mother passed away in XXXX. They are apparently therefore trying to collect from me. This collection apparently references hime security account my mother entered into with XXXX around XXXX. She canceled the account in approximately XXXX because she sold the house ( XXXX XXXX XXXX, XXXX ). XXXX is apparently trying to collect some sort of fee for the cancellation, although they did not inform my mother at the time of cancellation that a fee would be issued. I was present when the alarm system was installed and signed off on behalf of my mother, because she lived out of state at the time. The technician who installed the system as well as the XXXX representative over the phone informed me that I was not signing as a co-account owner and was not responsible for payment. I never received bills from XXXX for that account which covered XXXX XXXX XXXX, XXXX, MD XXXX. 

XXXX did not start sending me notices until XXXX after it appeared on my credit report. I want the information removed from my credit report. I did file a dispute, however, it appears that a new credit debt collection agency has the account and has put it on my credit report again. I never agreed to be a co-account holder for my mother, and if the paperwork indicates that I was, then it was fraudulently obtained.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ACIMA CREDIT, LLC (GA)

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instruction for the identified items to be reported on my consumer report. I am requesting that the reporting of this information be blocked is not being made in error ; nor is my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer. 

Account Name : XXXX XXXX Account Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Account Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Dare : XX/XX/XXXX You are required to do what I asking and block these transactions from being reported to my consumer report within 4 days from the date of this notice. I look forward to your response. 

Thank You
Consumer complaint received 2023-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

-- Original Message -- -- -- -- -- From : XXXX XXXX XXXX To : " XXXX '' XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Subject : NEED YOUR HELP/ XXXX XXXX ignored my email TO XXXX XXXXCHIEF OF STAFF If you recall i sent you an email concerning your wire transfer department never sent me an notice that a wire transfer of {$8000.00} dollars was sent from my checking account on XX/XX/XXXX. 
I am XXXX XXXX XXXX, living off my Social Security. I have been in constant contact XXXX XXXX ext XXXX Case # XXXX XXXXXXXX She was very courteous but she not the person that can help retrieve my {$8000.00}. I have been a CHASE CLIENT SINCE XXXX. My checking account # XXXX. 
I am not one who resorts to ATTORNEY 'S. If I institute any legal action for {$8000.00}, bring it to trial I feel that any Jury would award an XXXX XXXX XXXX many PUNITIVE DAMAGES WHICH WOULD BE MORE THAN XXXX 
HOPING YOU CAN HELP SETTLE THIS MATTER. AS MENTIONED I REPORTED THE CASE TO THE FBI CYBER DIVISION. 
XXXX XXXX  XXXX XXXX ( XXXX ) XXXX