davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-28
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. (AR)

My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.
Consumer complaint received 2023-12-17
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. (DC)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with XXXX EXPERIAN 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 to be updated.

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. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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


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


Delete the late payments from my consumer reports
Consumer complaint received 2024-10-11
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. (VA)

I have previously filed a complaint regarding the negative accounts on my credit report. I have long requested for these to be removed by the three bureaus, but they have yet to take any action on this matter. These negative accounts are severely affecting me, so I am once again requesting their removal. This time, if the three bureaus still do not take action, I will file a lawsuit against them and seek compensation for the damages they have caused on me
Consumer complaint received 2024-11-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NV)

On XX/XX/year>, I was charged {$170.00} for a Best Buy Renewal that was never authorized. I attempted to call them and got a run-around. I called in and spoke with someone who is unable to help me, and I was unable to dispute it electronically.
Consumer complaint received 2024-11-24
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: TrueAccord Corp. (FL)

XXXX XXXX / XXXX XXXX  contracted with XXXX to collect my debt. On XX/XX/year>, the full amount was paid to XXXX. 

I contacted XXXX who assured me my credit report would be amended. The debt remains on my credit report as unpaid.
Consumer complaint received 2023-12-17
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. (VA)

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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : CHILD SPRT Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-10-21
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: Fidelity National Information Services, Inc. (FNIS) (FL)

In a perplexing turn of events, I discovered unauthorized inquiries attributed to Chex Systems littering my credit report, tarnishing its once pristine state. These unwarranted entries, like blemishes on an otherwise flawless canvas, spoke of a narrative I had no part in. Moreover, the manner in which Chex Systems reported my financial history was riddled with inaccuracies, painting a distorted picture of my creditworthiness. Fueled by a sense of injustice, I embarked on a rigorous dispute process, invoking the protective shield of the Fair Credit Reporting Act 's 15 U.S. Code 1681e ( b ) clause, which mandates the accuracy of credit reports. With meticulous attention to detail and unwavering determination, I demand the removal of these erroneous entries, seeking to restore the integrity of my credit profile and uphold my rights as a consumer.
Consumer complaint received 2017-12-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Direct Recovery Services, LLC (AR)

I received an email from Direct Recovery Services indicating that it was a final notice to collect a debt for XXXX for {$480.00}. I do not have and have not had an account with XXXX and have never been contacted by this or any other company in regards to this debt in the past. Since I do not know who they are, I do not want to call them or open any attachments from their email.
Consumer complaint received 2023-12-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am enclosing documents for your consideration. I request the bureau to start an investigation into these accounts, as they inaccurately report me as late despite my punctual payments.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

These companies are reporting inaccurate information. some of the dates and amounts don't match across all credit agencies. They have also violated the privacy act of by furnishing my information without my permission. The fact that my credit reflects my student loan information is also a violation of the XXXX XXXX Rights and Privacy Act ( FERPA ). there should only be one address on my credit report in XXXX, Ga all other addresses should be removed. the rest are NON DELIVERABLE ADDRESSES. There should only be one phone number on the account ending in XXXX.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2023-12-17
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. (TX)

In accordance with 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 XXXXXXXX. Account name : XXXX XXXX ( Experian ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Account name : XXXX XXXX XXXX XXXX. Account XXXX : XXXX XXXX. 
Account name : XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX. 
Account name : XXXX XXXX. XXXX XXXX XXXX. Account name : National Credit XXXX. Account name : XXXX XXXX. Account name : 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 an 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 2017-10-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

CHASE BANK, NEVER ALLOWED ME TO MODIFY MY MORTGAGE. 

I TRIED OVER 6 TIMES, THEY LOSSED PAPER WORK ETC. 

NO MATTER WHAT THEY SAY, THEY WILL JUSTIFY, THAT THEY FOLLOWED ALL THE RULES, AND COMPLIED WITH ALL THE LAWS, BUT THEY LIE. 

OVER 12 CHASE BANK EXECUTIVES HAVE COMMITTED XXXX BECAUSE OF CHASE BANK ACTIONS
Consumer complaint received 2023-09-01
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. (CA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX Balance : {$270.00} XXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$190.00}.
Consumer complaint received 2024-10-11
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. (NV)

XXXX XXXX has denied my request to remove the 30 day late payment for my vehicle payment that was due on XX/XX/XXXX. I was shopping for a vehicle, throughout the month of XXXX and hand to wait until labor day to get the deal I was shopping for. My vehicle was traded in on XX/XX/XXXX. When we called to get my payoff on XX/XX/XXXX ( I believe was the date ), we let the person on the phone know that the vehicle was being traded in. I asked about the payment and was told that as long as it was traded by XXXX I would not be turned into the credit bureaus as 30 days late. Additionally, I have never been late with XXXX XXXX and have worked very hard to build my credit up after having to file bankruptcy in XXXX due to a divorce. The late reporting has drastically lowered my credit score and has hindered the process of starting a business, which I was in the middle of!

As a one time exception, I asked to have this removed at least as " Good Will ''. Being a mortgage broker, I have seen that happen more times than I can count. The account with XXXX XXXX is PAID IN FULL and over the 2 years that I owned the vehicle I paid over XXXX XXXX Dollars in interest and because of that, I was upside down in my vehicle by over XXXX dollars! Is asking for a one time deletion really too much?
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-10-11
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. (SC)

I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2019-02-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IL)

XXXX XXXX was working with me i was paying them {$750.00} every 3 months out of my credit cards. I signed paperwork from mail from XXXX was my represenative. 
My house got put up for auction which Wells Fargo bought even though people were trying to buy it. 
However after many months nothing happened with Wells Fargo Lowering payment so was XXXX and cancelled lawyer as nothing was happening. 
XXXX XXXX ( foreclosure specialist ) said in voice mail i was getting something in the mail in next 2-3 days, i am so scared i do not know what to do. I have sent letter by mail and on the sight to send things to Wells Fargo. I am a very sick women with XXXX ( my immune system is whacky and i have had XXXX XXXX XXXX XXXX, I will pay every month ( which i have promised over and over. I get my Social Security check the 2nd Wednesday of the month and will call in and pay with customer service or send a check. (
Consumer complaint received 2019-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NV)

XXXX XXXX claims date of first delinquency is XX/XX/2011. Statute of limitations is 6 years in Nevada. This debt is too old and needs to be removed from all of my credit reports.
Consumer complaint received 2023-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANKMOBILE TECHNOLOGIES, INC (CA)

Beginning XXXX XXXX, 2023 my Bankmobile XXXX banking app did not recognize my password. I tried to reset via the " forgot password '' option. The system didn't recognize my account number. 
I called the only number available over the course of 3 days at different times. I was on hold for 30 minutes at a time. On 2 occasions, I chose the " callback '' option offered. I never received a callback. 
I also tried to contact the parent bank, XXXXXXXX XXXX Also, to no avail.
Consumer complaint received 2016-09-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (NC)

I bought a house in XXXX, refinanced at {$320000.00} with Cardinal Financial in XXXX. Assessed value was {$340000.00}. Made improvements to the house that resulted in a higher value. Cardinal Financial sent out an appraiser on my cost. The appraisal came back at {$400000.00}. Cardinal Financial has in their eligibility criteria a minimum seasoning requirement that is waived if improvements are made resulting in a higher appraisal value. They are now refusing to waive the seasoning with the excuse " How do we know the improvements resulted in the higher appraisal? ''
Consumer complaint received 2023-08-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (PA)

Per the Cares Act from the government, payments made to student loans during the pause period from XX/XX/XXXX to XX/XX/XXXX are eligible to be reimbursed. It says this on the federal student aid website and it is encouraged to contact the loan servicer to get the money back. https : //studentaid.gov/announcements-events/covid-19/payment-pause-zero-interest. It says exactly this right now, Refunds During the Payment Pause. You can get a refund for most payments ( including auto pay ) you make from XX/XX/XXXX, through XXXX XXXX, XXXX. If you have a Direct Consolidation Loan, you cant get refunds on payments you made before consolidating. Contact your loan servicer to request that your payment be refunded. I contacted MOHELA today, XX/XX/XXXXXXXX to request the refund but they are refusing to put the request through because they are interpreting the statement to be that after XX/XX/XXXX you can not make that request anymore but the federal student aid website does not say that. Their website still encourages you to contact the loan servicer for the refund. Mohela will not let me talk to a supervisor. I asked that they just put in the submission but they are refusing because they say it will just be denied. I said even if it is denied I would like to try but they are refusing saying they are allowed but this information is not on their website and can not be found anywhere in writing.
Consumer complaint received 2019-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SUNTRUST BANKS, INC. (FL)

SunTrust Mortgage continues to report erroneous information to the credit reporting agencies. In XX/XX/XXXX, I notified SunTrust in writing of the errors but as of XX/XX/XXXX the erroneous information is still being reported by the credit reporting agencies. SunTrust Mortgage reports that my mortgage was delinquent, in collections and then discharged in bankruptcy. This is not true and their own records submitted in XX/XX/XXXX prove that this is not true. The mortgage was always paid on time, never late and was completely paid off in XX/XX/XXXX.