davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

My account with XXXX XXXXwas 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 those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX 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 XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

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

Delete the late payments from my consumer reports
Consumer complaint received 2015-07-15
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

My wife and I have top tier credit and applied for a loan, we were pre approved and the barrage of sending information began, they wanted everything imaginable, all the way up to the point of asking for a letter from my wives employer that her tips would not change? Thats after sending a form for them to fill out and be reviewed by a supposed independent company. Everything was fine supposedly according to XXXX XXXX.processor Usaa. Well the closing date came and went XXXX XXXX, they said we need a new closing date the XXXX, that came and went, then I called and spoke to another processor that said the date had been moved to the XXXX. Well friday afternoon XXXX XXXX I receive a call from XXXX XXXX that my loan was declined because of debt equity. This is based on the tax returns I originally sent, it took till 4 days after the closing to tell me that. Since the inception of our loan process we sold our current home and will have XXXX available to put down, So I told them well the house is XXXX we have XXXX to put down, house appraised for XXXX. So can we get that amount approved? This is after no longer dealing with XXXX XXXX but working with manager XXXX, XXXX and Director XXXX XXXX. Today is XXXX XXXX I am still not approved and my seller no longer wants to wait for my approval. So I wish I could sue for damages somehow, I am out thousands of dollars and sold my current home and now have to look for another house. Shame on USAA mortgage for doing this to us.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-07-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IL)

This complaint concerns MOHELA and their inability to apply payments received to the balance of my student loan. 

In XXXX of XXXX, I concluded my XXXX service and was awarded {$4500.00} as part of the XXXX XXXX XXXX. This award can be put toward tuition payments, student loans, and other educational expenses. Here is a timeline of what happened : -XXXX  XXXX XXXX : I sent a request to XXXX to send this full award to MOHELA as a payment on my student loans. 
XXXX XXXX : XXXX issued the payment and sent it to MOHELA XXXX 
XXXX XXXX : I called MOHELA to get a time estimate on how long the payment would take to be applied to my loan balance. They said it would take XXXX weeks. 
XX/XX/XXXX : The payment still not applied to my loan, I called again to ask what had happened to the payment. They told me that I had had the payment sent to a previous MOHELA address as they had recently moved offices. They said not to worry and that once they payment was delivered to the previous address, it would be forwarded to the new one and would be processed as usual. I was then given a time frame of XXXX days for the payment to be received and applied. This seemed excessive for forwarding a letter within the same state, but I waited. 
XXXX XXXX : Nearly 60 days later, the payment had still not been applied. I called MOHELA again and they simply told me they had not received the payment. They said they would launching an inquiry into what occurred and that it would take up to 90 days. I told them to go ahead, but I would try to cancel the payment and send it anew to the correct address. 
XXXX XXXX : I called XXXX to see if they could cancel the payment. They told me it would be done within XXXX weeks. 
XXXX XXXX : XXXX contacted me again saying that they could not cancel the payment without running a check trace on it to make sure it did not get lost in the mail and did in fact reach the recipient ( MOHELA ). I told them to start the check trace, which would also take up to XXXX weeks. 
XXXX XXXX : The check trace from XXXX was returned to me ( which I am attaching ) saying that the check was not only cashed ( " Reconciled '' ), but was done so on XX/XX/XXXX. 
XXXX XXXX : Another call to MOHELA to tell them that the payment had been received according to XXXX. This representative ( who was very kind ) said an escalated inquiry would be launched with priority and to check my loan balance in a week and a half maximum to check for changes. I also sent them a copy of the check trace result from XXXX. 
XXXX XXXX ( today ) : Still no payment applied to the loan balance. I called once again to check what was happening. I was transferred to a supervisor who sent an email to the accounting office with " the highest escalation. '' She told me the payment would be applied to my account in XXXX business days. I am not optimistic. 

It goes without saying that this is unacceptable, whether the payment is applied in XXXX days or not.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions 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.

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 XXXX 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 2024-08-28
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: EQUIFAX, INC. (TN)

Ijustrecentlylookedatmycreditreport.Isawsomehardinquiresthatdidnothavepermissiblepurposenorweretheyauthorizedbyme.thereforebeingaresultofidentitytheftIalsohaveevidenceandFTCreportdetailingtheaccountsinquestion.

15USCFair Credit Reporting Actanything furnished on my Consumer Reportmust have permissible purpose.

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.

AccordingtoUSC1681Estatesa consumer reporting agency prepares aconsumer report it shall followreasonable procedure to assure maximum possible possible accuracy of theinformation concerning the individualabout whom the report relates .Thisreportisnotaccurate XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-24
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (OR)

Good Morning, Credence is attempting to fraudulently collect a non-existing debt File # XXXX. This phone was returned to the XXXX store for repair under the extra insurance policy. I was paid approximately XXXX a month to XXXX. I was told it would have to be examined by XXXX aand it would take several days. This is not what Id been told by their salesman when I bought the phone. I was told if lost or damaged it would be replaced on the spot. I left the phone at the store and cancelled my service that day. Complaints have been filed with the Fair Credit Reporting Agency, all credit bureaus have been notifyed and a pending lawsuit filed in XXXX Oregon is being prosecuted against XXXX and a separate action against credence XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I had an auto loan with XXXX XXXX XXXX XXXX. After my car was totaled in an accident, the claims adjuster communicated directly with XXXX, indicating they would pay off the loan balance. They required certain information from XXXX to proceed with the payment. However, XXXX was slow to provide this information and insisted that I continue making payments on a loan that was already closed and satisfied. It seemed as though XXXX XXXX deliberately delayed releasing the information to the claims adjuster to keep receiving my payments. I tried to speed up the process by urging XXXX to send the necessary documents to the insurance company for the final loan payment. Eventually, XXXX complied, and the insurance company settled the loan in full. Despite this, XXXX XXXX marked me as late, even though they were aware the car was totaled and the insurance company had agreed to cover the remaining loan balance.
Consumer complaint received 2024-08-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Ijustrecentlylookedatmycreditreport.Isawsomehardinquiresthatdidnothavepermissiblepurposenorweretheyauthorizedbyme.thereforebeingaresultofidentitytheftIalsohaveevidenceandFTCreportdetailingtheaccountsinquestion. 

15USCFair Credit Reporting Actanything furnished on my Consumer Reportmust have permissible purpose.

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. 

AccordingtoUSC1681Estatesa consumer reporting agency prepares aconsumer report it shall followreasonable procedure to assure maximum possible possible accuracy of theinformation concerning the individualabout whom the report relates .Thisreportisnotaccurate XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX # XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-07-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (FL)

This problem started in the pandemic. Prior to that in XXXX, we set up automated ACH payments with Ditech ( which were taken over by Shellpoint/New Rez at the time the problem started ). In XXXX and XX/XX/XXXX, I can prove with my bank statements, the servicer ( by that time Shellpoint/New Rez ) erroneously took five payments but did not give credit for two months of payments. Ever since XX/XX/XXXX, they have indicated I am two months behind, even though I can prove I have made every payment on time, and they appear to have lost in their system two months of payments in XXXX and XX/XX/XXXX. Since then, I retained an attorney and tried repeatedly to correct this but there appears to be no way other than involve the CFPB and/or the Attorney General or Consumer Department of XXXX  which I am also contacting. I have proof of all payments, but I will only attach the disputes and proof in XXXX and presently in XXXX and show that they are still saying there is a problem. It appears that the XXXX  Attorney General found that Shellpoint/ New Rez misapplied payments in XXXX  at the exact same time that this occured and the servicer reached a settlement there. My and my husband 's credit have been severely impacted wrongfully by this mistake.
Consumer complaint received 2024-08-20
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. (TN)

I do not recognise these credit inquiries, and I have asked for them to be removed. I have asked to remove them from the bureaus ; ; they did not do as I asked I am providing an identity theft report, and I am requesting that they be removed because they inaccurate and not mine
Consumer complaint received 2024-07-24
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)

I put in disputes with XXXX, XXXX, and XXXX, and it was a problem with my address! I reside at XXXXXX/XX/XXXX XXXXXX/XX/XXXXXXXX, and XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX! heres my license and social security card! I would like these companies to continue with all my disputes and take all the negative items of my report!
Consumer complaint received 2024-09-06
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: EQUIFAX, INC. (GA)

There are several inquiries on my credit report that I did not authorize and are not familiar to me : 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
Consumer complaint received 2024-10-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE ()

Our company signed a contract with the XXXX manufacturer XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/year>, for the supply of fungicides for long-term grape storage. Payments totaling {$46000.00} were made through XXXX " XXXX '' in XX/XX/year>, but only {$15000.00} was successfully processed. The remaining {$31000.00} was frozen by The Bank of New York Mellon, which requested additional information for sanctions screening on XX/XX/year>. Despite providing all requested documents, the funds remain blocked, and no further action has been taken by the bank.
Consumer complaint received 2024-07-24
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PNC Bank N.A. (NC)

On XXXX PNC bank added interest charge of {$170.00} to my credit card account. My account was at {$7400.00}. Credit limit was {$7500.00}. That put me over limit by {$120.00}. On XXXX I paid off card completely. On XXXX, unexpectedly I had to use card to pay {$2900.00} for wifes medical expense. 
On XX/XX/XXXX, I received two letters in mail from PNC. Both dated XX/XX/XXXX, informing me that my credit limit was lowered from {$7500.00} to {$600.00}. 
My concern is how can my limit be lowered to {$600.00} after they accepted a {$2900.00} charge to it. And after I paid off both accounts on XX/XX/XXXX. 
On XX/XX/XXXX, I contacted PNC credit card for the first time. I explained my above situation and female said she would get back to me in XXXX hours. 
On XX/XX/XXXX, went into local PNC branch and met with XXXX XXXX who contacted credit card side again. Explained to her also what was going on. XXXX agreed with me, but it was a waste of both our times to contact credit card side. 
On XX/XX/XXXX, I again contacted PNC credit card #. Got hung up on on first call after verifying myself. Called again. This time talked to XXXX. She took time to get all my information about why I was calling, eventually put me on hold to check out some information. And then I was hung up on again before she responded back to me. And I never received a call back even though she had my contact information. 
From what I have researched, for this particular card, PNC can not lower the limit to {$600.00}. It should be to nearest {$100.00} in account plus {$500.00}. The lowest they can lower would be {$3400.00}.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TN)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-09-06
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. (MS)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.