davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-30
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (MA)

I went to XXXX.com like I have in the past to order a free credit report from XXXX of the XXXX bureaus. My plan was to do one every XXXX months like I had in the past. I went through bankruptcy in XXXX and have been rebuilding my credit since then -- this is the first time I have tried to order my credit reports since that time. I wanted to establish a payment history with a small credit card my credit union issued me. I went through the ordering process for each bureau, and for each one, I was notified that I would not be permitted to order online. I would need to order by phone or mail. I had been using XXXX browser and decided to try XXXX and the same thing happened. I 'd many times in the past ordered my free annual credit reports online. Even when I ordered for the first time online I was never declined and asked to do request by mail or phone. The only thing that has changed is that I went through bankruptcy. To me there is no reason that I should have to order by mail or phone when I was very careful to verify exactly who I was correctly online for all three bureaus. I realize I 'll probably have to call XXXX of the bureaus just to get on with this, but this bothers me very much -- I feel singled out based on my bankruptcy filing. Of course I have no proof of this, but I still felt I should report it to you. People trying to come back from bankruptcy should n't be made to jump through this extra hoop. I 'd appreciate being able to monitor my credit report just like everyone else -- by ordering online -- a method that is far more preferable to me. Thanks for listening. Best, XXXX
Consumer complaint received 2016-02-22
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PLATINUM HOME MORTGAGE CORPORATION (CA)

I had a forbearance with my initial mortgage company. At the end of the forbearance my loan was sold to XXXX. XXXX XXXX asked me to continue with my old payments and did not send me coupons for the amount due at the end of the forbearance. I had paid for about a year and they did n't credit me with the last XXXX payments which were as they said the wrong amount - but kept the money in a holding account. They then refused to accept payments from me and have begun a foreclosure on me. They refuse to work with me in any way. Since then I have lost my job, but am able to make the payment going forward. They claim I owe {$22000.00} back payments. I assert they are acted in bad faith and did not follow the terms of the contract when they assumed the loan. I have further filed papers through their system twice which insist on their format and have been denied twice. I do not have a lawyer to sue them or contact them which is the only way they take calls. I am now being forced to file Chapter XXXX.
Consumer complaint received 2024-08-30
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2015-06-30
Product: Debt collection — Payday loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Clear Debt Solutions, LLC (DC)

I have an account through CredX, which is collecting for XXXX. I 've received several phone calls where if I do n't agree to their terms ( I need flexibility ) then they start yelling, interrupting, and using tones that aggravate me when all I 'm trying to do is settle the best that I can. 

VERY FRUSTRATING.
Consumer complaint received 2015-07-01
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: LEXISNEXIS (WI)

XXXX is my insurance company, who uses credit ratings to calculate annual fees. I requested a copy of the report they used in preparing my renewal. They sent me to a company called 'LexisNexis '. LexisNexis sent me a copy of my driving record - but not the credit report ( though I asked for the credit report ). The paperwork they sent me is very sketchy and does not tell me how to get the credit report.
Consumer complaint received 2015-11-16
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (FL)

HelloI have been sued by Citibank for alleged credit card charges. I would like information regarding the US Consumer Financial Protection Bureau said " XXXX consumer bank has been ordered to pay {$700.00} XXXX in relief to borrowers for illegal credit card practices '' and any other action regarding Citibank consumer fraud.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I kindly request a thorough review of these inquiries and immediate removal of any that were made in error or without my explicit consent. It is crucial that my credit report accurately reflects my financial behavior, and these unwarranted inquiries are undermining that.
Consumer complaint received 2015-05-28
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY (TN)

on XXXX/XXXX/2015, I contacted American Express and tried to resolve of issue. But I could n't american Express has pulled my credit report without my consent. This company has engaged in fraud and indentity theft. I did not give this company the right to pull my credit report. When I called the fraud department on XXXX/XXXX/2015, i was hanged up on phone, and it was almost like the rep, did n't want me to talk to the fraud department. What american express suppose to do is send me a fraud affavadit in the mail. but the company still refuses to so. American Express is asking for too much additional information, just to conver their end. They are also reporting accurate information on my credit report. This company is a scam. They wouldnt listen, so decided to file a compliant.
Consumer complaint received 2015-07-17
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Nelson and Kennard (CA)

I filed BKXXXX on an acct. They previously put a lien on the property. I contacted the debt collection attorney office. Nobody wants to return my call and They say nobody is authorize to give me an acct number or name of the creditor. They keep referring me over to somebody who does n't want to call me back.
Consumer complaint received 2016-02-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY (MN)

My mortgage was sold from XXXX to XXXX over a year ago now, my payment for XXXX 2015 was sent to XXXX, but was never forwarded or returned to me. I have called both PrimeLending and XXXX for resolution and they continually give me the run around, I have multiple tickets in with XXXX regarding my payment and have been told the issue is closed and resolved every time I call to check. They have yet to actually resolve the issue and I have called multiple times and sent them documents multiple times without resolution to the issue. On the flip side, PrimeLending is charging me late fees monthly for a missing payment that I technically never missed, I originally called them when the issue first came up and they told me they would take care of it, I called them multiple times over the ensuing months and they kept saying they were taking care of it only to find out later from an employee at PrimeLending that the truth is they would never do anything about it. Essentially XXXX and/or PrimeLending is holding my payment and is not applying it to my mortgage and neither is calling me regarding my complaints filed with them, every time I call either my complaints are closed without contacting me or giving me any resolution or without fixing my mortgage.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

Consumer Financial Protection Bureau po box 27170 Washington, D.C. 20529-7170 Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint regarding a specific issue, e.g., inaccuracies on my credit report, unfair practices by, Experian Credit Reporting Agency and my case involves the following details : Complaint : Experians refusing to remove an address that I never resided at I've disputed this address 6 times.5 XXXX XXXX XXXX  XXXX XXXX XXXX WV XXXX.on XX/XX/year> it was removed. few hours later they reinserted it back on my consumer report. I uploaded the proper documents. My Driver 's license with my address on it, also a copy of my Electric Bill.i have screenshots showing that it was removed. Under the FCRA law once a item is deleted reporting agencies are not aloud to reinsert information.tjats a violation of the FCRA. 

I believe that my rights as a consumer have been violated, and I am seeking assistance from the CFPB to address this matter. I appreciate your attention to this serious issue and hope for a prompt investigation. 

Thank you for your support in ensuring fair treatment for all consumers. I look forward to your response. 

Sincerely
Consumer complaint received 2015-04-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

In XXXX, I requested my free annual credit report. After viewing my credit report, I noticed over XXXX credit/loan inquiries on my account that was not authorized by me. I contacted each company and was told that there was not any account open under my information. I explained that I have a hard inquiry on my credit report and need it removed as soon as possible so that I could apply for a home. I was told that the inquiries would be removed from my credit report. As of XXXX/XXXX/XXXX, none of the inquiries have been removed dating back to XXXX. I had a initial fraud alert placed on my report on XXXX XXXX, so if any credit reports are being pulled with my information, I was to be contacted by the company before any action was taken place. I just want the inquiries to be removed so that my scores and credit is not being impacted any longer. I would like to purchase a house, but until all of the inquires are removed I will not be approved with XXXX inquires on my credit report.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2015-04-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (NC)

I have a personal loan with One Main Finance. The loan was due on XXXX XXXX the payment is in the current month due. But they started calling me on the XXXX non stop. The loan is n't even XXXX days past the due date. Calling me XXXX times or more a day leaving messages. All day calls starting at XXXX ending around XXXX. Even calls to my phone on Saturdays.
Consumer complaint received 2024-08-30
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

Im in disagreement with the accounts below listed which still appears on my credit report even after several investigations..I would like these fraudulent accounts, immediately be reinvestigated, The inaccuracies of these accounts are injurious to my credit score. 
XXXX Acct # XXXX XXXX Acct # XXXX In accordance with The Fair Credit reporting act, public law 91506, title VI, section 611, your company ( Equifax ) must provide the names and business address of each individuals to whom you verify those accounts accurate Thank you
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I requested that a few accounts on my credit file with Experian be investigated starting XX/XX/XXXX. When there was no evidence that the investigation has been conducted, I sent several follow up letters on XX/XX/XXXX, XX/XX/XXXX. As of today, XX/XX/XXXX I have not received any notification that the accounts are being investigated nor have I seen any evidence on my credit file that the accounts in question are in dispute status.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I have been a victim of identity theft. My information was used fraudulently and as a result I am seeing items on my report that I never was associated with. I filed an ftc report as I was instructed to by Experian. I have sent in this report but these fraudulent items still remain.
Consumer complaint received 2015-06-01
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Experian Information Solutions Inc. (TX)

I went to Experian to get a free credit report. They charged me {$1.00} for it on my credit card. Then they signed me up for a monitoring service I did n't want. I did n't even know I was being signed up for it until I started getting billed on my credit card. They have billed me {$21.00} XXXX in a XXXX month period. I called them to cancel this unwanted service. It was after-hours and the automated phone prompt directed to me to send an email to cancel the membership. I did. They replied back that they could n't find a record of my account and to send them more information. I did. They said they still have no record of me based on my name or email. I called them to cancel. I waited on hold for almost half an hour. When I finally got someone, they asked for my name, phone number, email, date of birth, etc. They said they do n't show any record of me. I asked them if I have no membership with them, why are they billing me. They said to give them my credit card number. I said I 've already done that and you started billing me with unwanted things, so why would I give you the number again. If they 're already billing me, they should have my credit card number along with name, address, etc. They keep saying they have no record of me, but they keep billing me! I did a google search and found dozens of others going through the exact same thing and none of us know what to do to get it to stop. I 've filed a complaint with the XXXX and contacted my credit card company which is now in a billing dispute with them, but I have n't heard back to see if anything has been done. I just want to cancel the membership that I NEVER wanted. The only reason I went to Experian was because the FTC website said I could get a free credit report. They need to be more upfront that they are charging you and signing you up for memberships because from what I 've seen, this is common practice for them. Now they have emailed me saying maybe it 's another company with a similar name. I 've tried explaining to them it 's not another company, because it 's their same name and same customer service number : XXXX
Consumer complaint received 2024-08-14
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

My account with XXXXXXXX XXXX XXXX XXXX XXXX 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. 


XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2016-01-21
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (TN)

Chase sent me a letter that sai the FULL balance was forgiven. The letter said FULL principal balance all fee and anything else. They released the lein and everything! When they report to the credit bureaus they report paid " less than full balance ''? That not what I agreeded to! I agreeded to the FULL balance, the entire lein all fees to be forgiven by them, did not enter into an agreement that settled for " less than full '' balance! Need to be reported that the " full balance '' is paid.
Consumer complaint received 2016-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: SLM CORPORATION (AL)

Private student loan with Sallie Mae, the amount of payments are the same amount of my Che k. My mother and I have talked with a man by the name of XXXX XXXX XXXX XXXX XXXX XXXX. My parents are co-signers and retired he is trying to make them pay what my check wo n't cover. I am working and can not the amount of XXXX month after car insurance phone medicine and living expenses. He is very nasty I am paying on my student loans but not original amount XXXX a month XXXX XXXX said they do n't work with lowering payments and payment plans. I just want to pay what my little job afford me to pay. He did not put down living expenses of anything else, how can the XXXX sit by and let these cold hearted stay in business.