davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT On XX/XX/XXXXXXXX  I was alerted that the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) had pulled my Experian credit report. I have not dealt with XXXX since I got out of the XXXX in XXXX, and I certainly have not applied for credit with them since then. On XX/XX/XXXX I called Experian to dispute this inquiry and to have it removed. Since I am a premium member, I was asked if I wanted to use my membership benefit or do something else. I informed the woman that I wasn't aware of what the difference was in either talking to her or using that benefit and she failed to explain it to me, only repeating her question. I had already been transferred once to her and since I said I wanted to use my premium benefit, she told me she was transferring me yet again. I told her that I was just going to make a report with the FTC ( I meant consumer finance ) because I refuse to be bounced around. Additionally, I would like to know why I have to PAY to be able to lock my credit file. It seems like something that should be able to be done as it is MY credit file, and Experian ( and the other two credit bureaus ) only aggregate the data and do NOT own my personal information.
Consumer complaint received 2016-01-29
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (MI)

In XXXX XXXX we purchased a house through quickens loan. This company was unprofessional and could not seem to get our paperwork together and delayed the loan process to the point that we had almost lost the house we were trying to buy almost making us homeless. We finally got it worked out and closed on the very last day of the extension we had with the bank of the house we were buying. Then XXXX XXXX ( a year later ) I received a call from quickens loan stating my mortgage payment was not made. I make my payment through an accelerator program were they pull the payment right from my account so I know the payment was made. I have never missed or had a late payment on any house that I have bought. After several calls to quickens they did not seem to know why my payment jumped up XXXX dollars a month. I continued to get person after person and each one had a different reason as to why the payment went up. During this time I pulled my closing paperwork out to comparing the numbers and come to find out quickens used the assessed value of the house instead of the actual tax numbers that were supplied to them from the township tax assessor. In my closing package it did not have the assessed value paperwork it had the actual tax paperwork. When this was brought up to quickens they stated that they were aware of making some errors on our loan. And they way they offered to fix it was to remortgage our loan. I do n't think I should get charged again for their mistakes. Quickens falsified our numbers in order to close the deal with us knowing full well that it would come back on us. I believe they completely mislead us and caused us so many frustrating nights. XXXX XXXX XXXX we have remortgaged our house through another mortgage company. But I continue to get threatening phone calls from quickens stating they are going negatively affect out credit if we do n't make the XXXX extra payment even though their system shows that the balance will be paid in full. The new mortgage company contacted quickens and adjusted our new mortgage to cover all monies owed to quickens. Again quickens is aware of this but they are still threatening me on the phone.
Consumer complaint received 2024-09-06
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 accounts 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 to be removed/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.

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!
Consumer complaint received 2016-01-08
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Roberts Law, LLC (GA)

My friend paid over {$1000.00} to XXXX XXXX for a loan mod. XXXX XXXX kept the money and kept getting her to pay more money to do things that the initial payment was to have taken care of. By the time her loan mod had been completely refused she had paid over {$2000.00}. From others in our community, its been learned that XXXX XXXX regularly pockets a lot of the money that she claims to used for the loan modification process. And end the end most have still ended up being referred by XXXX to Atty. Roberts to try to fight the foreclosure process. It truly seems that Atty. Roberts has no idea what XXXX and her friend Atty. XXXX XXXX are doing. This is how XXXX and XXXX were able to go behind the back of those at Roberts Law and take control of a loan modification contract that use to belong to the main attorney. XXXX has taken thousands of dollars from the law firm. My friend use to go to the law firms office numerous times trying to get her loan modified. She witnessed that a man named XXXX had to pay his own fees on a pleading necessary to get out of jail because the firm had no money in the escrow account. XXXX kept a check the the owner had given her to deposit into the escrow account. Between XXXX and XXXX it is a wonder that the law firm is even in business. I attempted to go to the Georgia bar directly but was told that because I was not the actual injured person I could not file a complaint. The police said that its a civil matter and referred me to the Georgia Consumer Protection Bureau who referred me to this agency. If this is n't the right agency please direct me to the right agency or department. These XXXX women are stealing people blind and not providing the service they represent to be able to provide and no one seems to either care or be able to investigate and stop them. On her last visit she overheard the staff talking about a man name XXXX who had been arrested because of the firms failure to fulfill its obligations. Since they do not know me, If it would help, I am willing to go in and request a loan modification from XXXX so that the process can be traced from start to finish. Several of my friends are willing to do the same thing. The firm is Roberts and XXXX XXXX XXXX at XXXX XXXX XXXX XXXX. No. XXXX, XXXX Georgia XXXX. ( XXXX ) XXXX. I forgot to mention that XXXX locked XXXX XXXX out of the loan mod portion of the law officies software so that XXXX XXXX could not help protect the XXXX community from the predatory practices of XXXX XXXX and her partner XXXX XXXX.
Consumer complaint received 2024-08-16
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. (LA)

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, has violated my rights. 

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 2015-11-09
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (KS)

JCP/Synchrony Bank submitted me to the XXXX XXXX Collections bureau onXX/XX/XXXX due to a {$5.00} delinquent payment. According to my notes myoriginal balance was {$48.00}. They later charged me {$25.00} for a late fee for XX/XX/XXXX and {$25.00} for XX/XX/XXXX. This, along with interest increased my total bill from {$48.00} to {$100.00}. ( please see details below ) Their incorrectreporting of me resulted in a decrease to my FICO score of nearly XXXX points. 
I want them to send a letter to me and to the Collections bureau to correct andremove that delinquency. Please see payment history below:XX/XX/XXXX JCP/Synchrony bank submited me to collection agency fora delinquent amount of $ XXXXXX/XX/XXXX Payment taken from my checking account and sent toJCP/Synchrony in the amount of {$5.00}. 
XX/XX/XXXX Payment received from me by JCP/Synchrony in theamount of $ 100.00XX/XX/XXXX No bill receivedXX/XX/XXXX No bill receivedXX/XX/XXXX Payment received from me by JCP/Synchrony in the amountof {$50.00}. I thought this paid off my {$48.00} balance. 
I disputed with the credit reporting company on XX/XX/XXXX ; no responsereceived. Said it will take them 60 days to investigate.
Consumer complaint received 2024-09-06
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. (AZ)

Subject : Identity Theft Complaint Unauthorized Accounts with XXXX XXXX and XXXX XXXX To Whom It May Concern, I am writing to file a complaint regarding identity theft involving unauthorized accounts opened in my name with XXXX XXXX XXXX XXXX and XXXX XXXX. I have also included an Identity Theft Report to support my claim. 

Details of the Complaint : 1. XXXX XXXX XXXX XXXX Account : An account was fraudulently opened in my name under the account number XXXX with XXXX XXXX XXXX XXXX on XX/XX/XXXX. I did not authorize or apply for this account. 
2. XXXX XXXX Account : An account was also fraudulently opened in my name under the account number XXXX with XXXX XXXX XX/XX/XXXX. I had no knowledge of or consent for this account. 

Supporting Documentation : Identity Theft Report : Enclosed with this complaint is my Identity Theft Report, which details the fraudulent activities and confirms my claim. 
Credit Reports : I have included my credit reports from XXXX, TransUnion, and XXXX showing the unauthorized accounts. 
Correspondence : Documentation of my communications with XXXX XXXX XXXX XXXX and XXXX XXXX, where I reported the fraudulent accounts. 

Request for Action : I request that the Consumer Financial Protection Bureau ( CFPB ) assist in resolving this matter by ensuring the removal of these fraudulent accounts from my credit reports and facilitating further investigation into these incidents of identity theft. 

Contact Information : Full Name : [ XXXX XXXX XXXX ] Address : [ XXXX XXXX XXXX XXXX, XXXX ARIZONA, XXXX ] Email : [ XXXX ] Phone Number : [ XXXX ] Thank you for your attention to this urgent matter. I look forward to your assistance in addressing these fraudulent activities and correcting my credit reports. 

Sincerely, [ XXXX ]
Consumer complaint received 2016-01-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ray Klein, Inc. (CA)

I HAVE RECEIVE SEVERAL ATTEMPTS FROM XXXX FOR BILLS IN THE AMOUNT OF {$130.00} WHICH KEEP INCREASING EACH MONTH DATING BACK FROM XXXX/XXXX/2015 TO PRESENT.MY LAST PAYMENT TO THEM WAS MADE ON XXXX/XXXX/2015 BY CREDIT CARD IN THE AMOUNT OF {$28.00} FOR THE PERIOD XX/XX/XXXX TO XX/XX/XXXX. MY NUMBER WAS REQUESTED BY XXXX XXXX XXXX TO BE SWITCHED OVER TO THEM WHICH THEY REFUSED. IN THE MEAN TIME I WAS GIVEN A FREE PHONE BY ASSURANCE THUR XXXX WHICH GAVE FREE CALLS AND TEXT UNLIMITED STARTING XX/XX/2015. SO THERE WAS NO NEED FOR XXXX SERVICE ANY LONGER. YET THEY CONTINUE TO SEEK PAYMENT FOR SERVICE I DID NOT NEED OR USE. NOW THEY HAVE SENT ME TO COLLECTIONS ( PROFESSIONAL CREDIT SERVICE # ( XXXX ) XXXX COLLECTION AGENCY ACCOUNT ACCT REP PHONE # ( XXXX ) XXXX. I TRULY BELIEVE THEY ARE TAKING ADVANTAGE OF ME.
Consumer complaint received 2024-08-16
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)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2016-02-14
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Kohn Law Firm S.C. (WI)

I purchased a computer for a XXXX that I lost XX/XX/XXXX. The remaining balance on the loan was {$2500.00}. I began receiving several telephone calls, and numerous dates to appear in small claims court from Kohn law firm, XXXX, WI. and XXXX XXXX, XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX. Judgement was ordered on XX/XX/XXXX. Telephone calls from XXXX and court dates began XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX. As of XX/XX/XXXX I have paid seven monthly payments to them in the amount of {$990.00}. I explained to them that my husband is ill with XXXX and I am the sole provider for my family at this time. I have gone to court for this several times, and I have sent them a " cease and desist '' letter to stop harassing me with court dates. TODAY XX/XX/XXXX I have been served again for contempt of court. This was for the court date ordered on XX/XX/XXXX with XXXX XXXX. I was there, I have written notes in regard to our conversations with someone who had not even looked at my file before threatening me with the fact that they can send me to court every week or every month if so needed. I asked how can you do this when I have paid you " monthly '' for the last seven months? And will continue to pay until the balance is paid off? Because I would not give him the " name '' of my current employer, ( I am not allowed to receive contact at work, In this day and age anyone and everyone can do a " background '' check. That is how I got my current job ). This is why they sent me to court today. For contempt. He said he would be sending me to court for this. I also sent a " cease and desist '' letter certified mail on XX/XX/XXXX. They signed on XX/XX/XXXX. I am at my witts end with this KOHN law firm. I feel I am being harassed by this company every 45 days. I am going to go to court again and present my case " again '' to the judge, with my notes from the XX/XX/XXXX meeting, my " paid '' receipts to this company, and the numerous harassing they have applied to me. I am filing a complaint with you and with the XXXX ( 4th time ). Is there anything else that you can suggest to get them to stop wasting the tax payers money, adding more money to my balance, wasting the court house and judges time, and my risk of loosing yet another job from this company. ( I lost another job XX/XX/XXXX from having to take time to be in court ) PLEASE help in XXXX. Thank you.
Consumer complaint received 2015-07-17
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (NY)

To Whom it May Concern, Enclosed is documentation regarding our dispute with Ally Bank. We had a 36 month lease agreement with Ally on automatic bill pay with our bank. Ally bank took {$99.00} out of our account for the last payment so we assumed that was the balance due. Then we got a bill claiming the balance due plus late fees which we paid. We tried to get them to waive the late fee. They refused. Then we received a bill for the XXXX ding in the windshield. We asked them for a receipt as our insurance company said they would pay it. They refused to give us a bill. Now they are adding late fees to the billAttached is the documentation. 
Thank you for any help you can give us, XXXX XXXX
Consumer complaint received 2015-09-16
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (TX)

I made a payment of {$100.00} on my credit card. I had a promo balance of {$4600.00} with 0 % interest. I made a purchase for {$25.00} on XXXX. I made XXXX payment that should have covered the balances of the the {$25.00} charge. Payment dates were XXXX for {$25.00} and XXXX for {$100.00}. I minimum payment was {$67.00} that month. I was charged a minimum interest fee of {$.00} on a balance of {$.00}. I think that charge is unfair and they refuse to refund me the {$.00}.
Consumer complaint received 2024-08-16
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. 

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

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 2015-06-02
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (NY)

This is an electronic complaint about a letter that was mailed to me from the Executive Office 's XXXX XXXX on XXXX XXXX, 2015. I understand that my payment for my account ending in XXXX is late, but Chase violated the Telephone Consumer Protection Act, 47 U.S.C. 227, et seq. ( " TCPA '' ), by making automated telephone calls and sending text messages to my cell phone, including Collection Calls and Automatic Alerts, in connection with my Chase credit card, without my prior expressed consent. I am actually a member of the XXXX TCPA Settlement against Chase ( XXXX v. Chase, Case No. XXXX XXXX, and expect Chase to eliminate my debt and credit to my personal checking account all applicable FDIC penalty fees ( " The banking agencies have the authority to assess CMPs against financial institutions or individuals for violating fair lending laws or regulations. Each agency has the authority to assess CMPs of up to {$5000.00} per day for any violation of law, rule or regulation. Penalties of up to {$25000.00} per day are also permitted, but only if the violations represent a pattern of misconduct, cause more than minimal loss to the financial institution, or result in gain or benefit to the party involved. CMPs are paid to the U.S. Treasury and therefore do not compensate victims of discrimination '' -FDIC ). In addition, XXXX of your representatives has told me that one of my former relatives who has nothing to do with my finances ( I legally became an XXXX when I was XXXX years old, and am possibly in the process of becoming an XXXX ), was able to obtain private information about me without my consent. By anyone 's definition this is harassment.
Consumer complaint received 2024-11-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (MO)

Wells Fargo Card Services has obtained my nonpublic personal information as a result of material misrepresentation, fraud and identity theft pursuant to 15 USC 1682a ( q ) ( 3 ) and Revised Statues of Missouri ( XXXX ) XXXX. Wells Fargo Card Services is in unlawful possession of the consumers private financial information and have used and shared it with third parties which include but may not be limited to consumer reporting agencies without authorization.