davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2023-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: UMPQUA HOLDINGS CORPORATION (OR)

Around XX/XX/2022, a check I had written was processed earlier than I expected, and I incurred a {$35.00} overdraft charge. While I think this is excessive, I understand it was my fault. Knowing the check cleared early, I transferred funds to cover, since I had also written 2 {$10.00} checks that needed to be covered. The bank processed the {$120.00} check first, which overdrew the account, then processed two {$10.00} checks, which further overdrew the account, resulting in two additional {$35.00} overdraft charges. When I checked with the bank, they essentially said, tough, my problem, and wouldn't budge. Been a customer for years, using a variety of their products. When I asked about their order of processing checks, they refused to answer. While I acknowledge the first OD charge, the last two are outrageous and unfair.
Consumer complaint received 2023-03-14
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: Experian Information Solutions Inc. (AZ)

I contacted this company to dispute an item they are wrongly reporting on my credit report. They said they don't have to provide verification as they are the original creditor. But their info and address are on my credit report. I have two distinct problems with this company : 1. I don't recognize the item on my credit reports, to begin with. I am asking them to verify with competent evidence, bearing my signature, that the item is being reported accurately. I contacted them because THEY are the ones on my credit reports and it's THEIR address I see. So either this company is out of line and has directly violated the FCRA and FDCPA by not verifying this alleged account following a formal dispute, or they are reporting false and unverifiable information, also a direct violation of the FCRA and FDCPA. 

2. If they in fact feel they are not subject to the FCRA and the FDCPA, and do not need to provide verification that the alleged account is mine, then they need to remove this account from my credit reports because they have no business reporting an account that can not /will not be verified as mine with competent evidence bearing my signature verifying that I am contractually obligated to pay the alleged amount. 

Both of these issues represent a very serious error in their reporting and they are unwilling to do anything about it.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I submitted a credit repair request to a company, but they 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 considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-03-14
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. (MI)

This is XXXX XXXX and XXXX ma submitting this CFPB complaint to request to the Credit Reporting Agencies to remove the fraudulent accounts and information off of my Credit report. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included the FTC report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). I need you to please remove the following items as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} US DEPARTMENT OF EDU ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2700.00} US DEPARTMENT OF EDU ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3700.00}. I have read that under the Fair Credit Reporting Act section 605b, you are required by Federal Law to remove the disputed items that resulted due to identity theft. So please comply with the law.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, 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. (NC)

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, 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. (GA)

Attached is a IDENTY Theft Report for the following accounts and inquiries listed below Experian Fraudulent account XXXX XXXX XXXX Account Number : XXXX This account was opened fraudulently and fraudulent charges was made I payed the account off with the agreement from XXXX XXXX XXXX  to remove the fraudulent account in full from my Experian credit report. 

Experian Fraudulent Inquiries XXXX XXXX XXXX XXXX XX/XX/2021 I never applied for anything with XXXX XXXX XXXX XXXX on this date the inquiry was made fraudulently please remove. 

XXXX XX/XX/2021 I never applied for credit on the listed date please remove fraudulent inquiry. 

XXXX XXXX XXXX  XX/XX/2021 Please remove this fraudulent inquiry
Consumer complaint received 2023-03-14
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: Experian Information Solutions Inc. (AR)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX DPT XXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} ; Chapter 13 Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXXXXXX NA XXXX/XXXX/XXXX XXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} XXXX Chapter 13 Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; DPT EDXXXX XXXX Balance Owed XXXX {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} XXXX DPT EDXXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} ; Chapter 13 Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference XXXX : XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2023-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

Applied for USAA credit card XX/XX/XXXX after reviewing offer on their website a 15 month 0 % balance transfer til XX/XX/XXXX then current APR on any remaining balance with a 3 % balance transfer fee. I was approved for XXXX amount. Received CC in mail XX/XX/XXXX. Called USAA at XXXX call lasted XXXX min. I was put on hold several times and the customer rep finally told me that no its 0 interest on purchases only for that period. The rep asked me where did I see it and I said it was on their website that is why I applied. We ended call and I immediately went to website and it's written plain as day the 0 % balance transfer fee. I screenshot the offer. Second call placed at XXXX the call lasted XXXX min. XXXX seconds the second rep said that the credit card I applied for was only 0 % purchases. I would NEVER have taken a hard hit on my Credit Report unless I was sure of the offer. This is bait and switch and deception.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IN)

I purchased a lease with XXXX and used their in house financing through XXXX XXXX XXXX. Upon the end of my lease term I decided to lease a new vehicle with the same company and equally went through their in house financing. My vehicle was paid of by the company themselves ( it was literally their vehicle ), the new lease was contracted, I put a down payment on the lease and made my first months payment and thought I was good. The same week I purchased the new vehicle I was receiving collection calls from their back office threatening reporting my late payment to my credit report. You can imagine I was confused because I was in a completely different vehicle and had already made a payment towards the new car. In a panic I went into the car dealership and spoke with the XXXX. I was told they can see in their system that everything is paid off and it just needs to process. I was told it take up to two weeks to process but no additional payments had to be made. Again, this was a duh for me because it makes no sense to be paying on a vehicle I no longer own. Not only was it in their possession but it was paid off and I was in a new car. XXXX and behold I receive an update on my credit report that after perfect history throughout the entire lease, they reported I did not make my last payment on time. I hopped on this immediately and have written all required information to XXXX. Not only will they not correct the issue but they are taking no responsibility for the negligence on their behalf. I spoke with multiple managers ( even for a second opinion ) and was consistently told it would be remedied. It has yet to be resolved and all Im getting is if you provide new information we will re open the investigation. What a poor investigation. What a poor process and what a poor experience. Now I am looking at a late payment staying on my report for 7 years because they refuse to remove this mark and own up to their mistake. Theres no reason I should have had to do so, but I would have even been willing to make an additional payment and have them reimburse me. Instead I was told otherwise.
Consumer complaint received 2023-03-14
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: Experian Information Solutions Inc. (NC)

Dear Sir/Madam, I am writing to dispute false information that has been reported on my credit report. Specifically, I am referring to accounts that were given to my ex-husband in a divorce proceeding in 2016, despite the fact that these accounts are over seven years delinquent. Despite repeated requests, Experian has refused to remove these accounts from my credit report, causing significant damage to my credit score. 

Furthermore, I have reason to believe that my former spouse has intentionally reported me as deceased in order to take advantage of my good credit standing and score. This has led to my credit applications being denied, as I have been reported as deceased by my former spouse. This information is not only false, but it is also creating significant XXXX  and negatively impacting my life in various ways. 

I have made several attempts to contact Experian and other relevant parties, but unfortunately, these attempts have been unsuccessful for over seven years. I believe that the continued presence of these false accounts on my credit report and the intentional misreporting of my status as deceased by my former spouse is unjust and causing me significant hardship. 

Therefore, I request that Experian immediately remove the false accounts and any other erroneous information from my credit report. I also request that you investigate the intentional misreporting of my status as deceased by my former spouse, and take appropriate action to rectify this situation. 

I appreciate your attention to this matter, and I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have previously had this complaint with this company for the same exact thing and they continue to cause me to be in a category of a consumer with bad credit and I am not, this is hurting my financial options.I currently have a public record reporting and the bureau has informed me that they validated this information with XXXX XXXX a third party creditor. I have since called XXXX XXXX and have been informed that they have nothing to report to the bureaus regarding any public record. 

I believe that this company is trying to avoid properly re-investigating my dispute because they know it will result in a deletion on my credit record. Please do not allow me to suffer because of being misrepresented to the creditors. I am also a victim of identity theft, which is another reason I am concerned about this false reporting.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I purchased a lease with XXXX and used their in house financing through XXXX XXXX XXXX. Upon the end of my lease term I decided to lease a new vehicle with the same company and equally went through their in house financing. My vehicle was paid of by the company themselves ( it was literally their vehicle ), the new lease was contracted, I put a down payment on the lease and made my first months payment and thought I was good. The same week I purchased the new vehicle I was receiving collection calls from their back office threatening reporting my late payment to my credit report. You can imagine I was confused because I was in a completely different vehicle and had already made a payment towards the new car. In a panic I went into the car dealership and spoke with the XXXX. I was told they can see in their system that everything is paid off and it just needs to process. I was told it take up to two weeks to process but no additional payments had to be made. Again, this was a duh for me because it makes no sense to be paying on a vehicle I no longer own. Not only was it in their possession but it was paid off and I was in a new car. XXXX and behold I receive an update on my credit report that after perfect history throughout the entire lease, they reported I did not make my last payment on time. I hopped on this immediately and have written all required information to XXXX. Not only will they not correct the issue but they are taking no responsibility for the negligence on their behalf. I spoke with multiple managers ( even for a second opinion ) and was consistently told it would be remedied. It has yet to be resolved and all XXXX getting is if you provide new information we will re open the investigation. What a poor investigation. What a poor process and what a poor experience. Now I am looking at a late payment staying on my report for 7 years because they refuse to remove this mark and own up to their mistake. Theres no reason I should have had to do so, but I would have even been willing to make an additional payment and have them reimburse me. Instead I was told otherwise.
Consumer complaint received 2023-03-14
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

Per the attached letter and confirmed by my debt management plan with XXXX XXXX XXXX, my interest rate was agreed to be 10 %. 
However, for about 3 months I was charged the default rate of almost 30 %. I called and they promised an adjustment. None has come.
Consumer complaint received 2017-05-11
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (WA)

After having an account with  Ocwen  for  XXXX  years, I got laid off from work, and contacted them to see if there was a program that I would qualify for till I got back to work. I have never been 30 days or more past due in the entire time.  Ocwen  indicated there was a program, and had me fill out an application and provide supporting documentation, which I did. A relationship  XXXX   (   XXXX l ) contacted me and told me I was approved, and sent me the agreement which I signed, it allowed for reduced payments for 12 months, and I would be reported in forbearance only, not past due or late, because I specifically asked to make sure. I was assured if I was not in arrears at the time of the agreement I would not be reported past due or late, which I confirmed in the agreement. It states they would only report me past due if I was past due at the time of the agreement and only till it was no longer past due ( till I got it caught up ) since I was never past due it was not an issue. But I got notified by the credit bureau 's they ARE reporting me past due which is in violation of the agreement. I contacted the Relationship  Manager at Ocwen  (  XXXX   )  and she agree 's, she sent in a corrections and the servicing department for some reason likes i 'm past due and refused to reverse the credit reporting error. Today I called in and spoke with another   XXXX   XXXX     (  XXXX  ) she she also agrees they are reporting it in error.  XXXX  sent in another request to correct the account with the bureau 's today, but I thought I better file this report to cover myself and maybe you could help resolve this issue, if they are doing it to me, they  may  be doing it to a myriad of other customers. Please let me know what to do? I have attached a copy of their letter and my credit report, as you can see I have never been late or past due on anything. Help!
Consumer complaint received 2017-05-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC (PA)

this complaint shall follow complaint number XXXX XXXX XXXX sold the servicing to XXXX XXXX on and about XXXX according to XXXX XXXX the escrows were never transfered which put the account in a deficite and increased the mortgage balance up {$22000.00} + made several attempts to resolve the escrow dispute. i was told by them that it was my responsibility to make sure that the escrows were transferred from XXXX XXXX to XXXX XXXX that caused the mess that i/we are in currently. facing foreclosure, please if possible stop that action as i currently have refinance in place to take out XXXX XXXX however, the payoff is the dispute, if you could help me drill down the exact figures required to pay off XXXX XXXX because of all the past problems. <P/>made several attempt to bring mortgage up to date and they refused the money.