davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (NC)

Around XX/XX/year>, I applied to work for XXXX XXXX and the company that they work with for background checks ( Checkr ) has put down erroneous data saying my liscense was surrendered somehow. My application on XXXX XXXX has been pending for XXXX  and I was hoping this would help work things along finally.
Consumer complaint received 2024-10-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (MI)

My late husband and I took out a home Equity line of credit through Wells Fargo bank. At the time, Wells Fargo sold us an insurance policy through XXXXXXXX XXXX life insurance company for XXXX and life insurance on the loan. I became XXXX in XXXX, Wells Fargo was aware of this and mentioned nothing about the existing policy that we had in place on the loan yet they still took out the payments along with the premiums out of our checking account every month. In XX/XX/XXXX, my husband was XXXX XXXX  again, Wells Fargo knew of his death and we provided a death certificate, I called to pay off the home equity line of credit and again they mentioned nothing about this insurance policy. I have had several deaths in my immediate family and have been trying to deal with everything, I came across this policy, and I contacted several departments at Wells Fargo today and everyone there could pull up this insurance policy, however, no one was able to help me with contacting Union security life insurance company. I would think that if a group life insurance policy is sold through Wells Fargo, they should be able to assist the customer with contacting the insurance company. Also, the insurance company should notify their clients that have policies if these policies are sold or transferred to another company, that never happened. So I have been deceived by both companies! As a consumer, I have every right to be able to file a claim.
Consumer complaint received 2023-07-23
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-09-17
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)

I've made repeated efforts to address the issue of unauthorized inquiries on my consumer report, but the problem remains unresolved. These inquiries are entirely unrelated to me, and I bear no responsibility for them. Their presence has caused me significant emotional and financial strain. As someone who has fallen victim to identity theft, I may need to pursue legal action if this matter isn't properly addressed. 

The inaccurate and fraudulent entries on my consumer report have severely impacted my financial prospects, preventing me from purchasing my ideal home and adequately providing for my family.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history 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! 


Update the late payments from my consumer reports
Consumer complaint received 2024-10-24
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC (GA)

I purchased a car a XXXX XXXXXXXX XXXX from American car financial company, 2 months before they closed their doors forever due to filing bankruptcy and abandoning their car lots i had paid my car off, then all of a sudden i see Westlake pm saying i owe them car payments, i told them i don't my car was with American car financial and not Westlake and I'm not repaying for a car i have paid off, from that point they put it on my credit report which i disputed and XXXX and XXXX took it off at first then put it back on there and that's fraud, XXXX is reporting i owe Westlake pm the total amounts of {$19000.00} and XXXX is reporting i owe {$23000.00} and this is all fraud and reporting as bad debt charge off and XXXX is reporting profit for loss, and that's fraud as well. 

At this point i can not get another loan or lease because of this fraud activity, i never had or did business with west lake pm or financial and i want my {$1000.00} dollars a day from XXXX and XXXX for allowing the fraud activity to happen on my credit profile which is totally a FCRA violation. and since Westlake pm is reporting profit for loss, i was never given or sent or mailed a 1099-c which is a cancellation of debt and according to F.C.R.A. section 623 ( 15 U.S.C. & 1681s-2 ) since i never got a 1099-c this is fraud not just on my credit profile, but to the i.r.s. and to the credit buraus and since i have been injured in this blatantly damaging to me and my credit i am requesting compensation of {$1000.00} a day that this fraud reporting have appeared on my credit report.
Consumer complaint received 2024-10-22
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 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NJ)

Navi ant has not applied loan payments correctly, not applied payments at all, and given me misinformation on my loan. Also, when I applied for my loans they told me i would only qualify for private loans, and being a novice at the process I took their word. So now Ihave $ XXXX in student loans and work in an XXXX where i would have been able to have loan forgiveness, but since I have private and not public loans, I have to pay the whole thing back.
Consumer complaint received 2017-03-15
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (TX)

I have an account with citibank. I had financial difficulties any could not make my monthly payments on the account and my account was over the limit. Citibank closed the account and continually reports over-limit and late payments to the major credit bureaus. I am not disputing that I owe citibank nor am I trying to not pay them. I have been paying what I can and recently set up an autopay payment of {$64.00} to be debited 2x 's a month in the amount of {$32.00}. On XX/XX/XXXX I received an email saying my autopay was coming up and the amount was not {$32.00} is was {$780.00}! I did n't set up nor authorize a payment for {$780.00}! I immediately went online and changed it back to {$64.00}. I received an email confirmation of my updated payment. I went online and checked my bank account and citibank withdrew {$780.00} which caused my car and credit card payment to bounce resulting in return and late fees of {$170.00}! My credit card charges an additional fee of {$39.00} because now I am also over my limit! I called citibank and while the person I spoke with tried to help he said my account was on hold and they would n't do anything. I had to call my bank and explain everything, then call the credit card company, and them the car company. This has been an all day ordeal due to citibank fraudulently withdrawing more then I authorized!
Consumer complaint received 2017-02-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

I graduated with my XXXX in XXXX XXXX in XXXX XXXX and have been working in XXXX since my graduation. I expected after my first 10 years of working, my school loans would be forgiven under the Public Service Loan Forgiveness Program. I consolidated my loans through Navient and paid {$1000.00} - {$1000.00} a month starting XXXX XXXX and was never late on any payment. I overpaid on student loans and should be 3 1/2 years into the proper repayment plan to be considered for Public Service Loan Forgiveness Plan. 

I was told multiple times before XXXX not to turn in my PSLF Employment Certification Form unless I changed jobs because there was no need to do anything. In XXXX XXXX, I turned in the PSLF Employment Certification because I changed jobs in XXXX XXXX and I wanted my ex-employer 's form to be in the system. For the first time ever, I was told by Navient that my loans should be serviced by XXXX if I was doing PSLF, even though I had spoken with them about it on several occasions. For the first time, I was also told that I was in the wrong plan. I was told by a Navient representative that I should be on an income-based plan and my payment would actually be more than {$300.00} lower a month. 
In XXXX, XXXX, I transferred to XXXX and I was placed on an income-based plan. I now pay {$720.00} a month. 
I have documents showing that I was in the 10 year repayment plan and I was told multiple times that I was in the 10 year standard re-payment plan which would have still made me eligible for Public Service Loan Forgiveness. I was told by Navient that the income- based plan was a much higher amount, which I could not afford. This did not make sense to me but I was told that my representatives from Navient so I believed them, and I was told that I was in a proper repayment plan for PSLF. However, XXXX is now saying that I was in the wrong plan and wo n't give me credit from XXXX for my Public Service and payments, even though I was making less back then and paying {$300.00} more a month than I pay now. I have documentation from, XXXX XXXX, XXXX, showing that I was in the 10 year plan. 

I over paid my student loans by over {$3600.00} a year because of Navient 's misrepresentations to me since I would have qualified for an income-based plan. Also, my Public service should have been counted from XXXX, regardless of what payment plan Navient placed me in because I paid more than my current income-based plan, and I was told and have documents showing that I was in a proper payment plan for PSLF. 
My wife also had a similar experience with Navient and is filing her own complaint.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (WI)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to ChexSystems requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, ChexSystems is obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity.
Consumer complaint received 2024-09-19
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. (AZ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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- Tied Up
Consumer complaint received 2024-10-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: PulteGroup, Inc. (NC)

Per your letter of XXXX XXXX XXXXXX/XX/year>, You failed to address XXXX MAJOR items. Please respond to each question # 1 Where did the UNDER CONTRACT come from, as stated I know what under contract means. You say that I said it and you have it on a recording many times that I said it BUT you can not or will not produce any recorded conversation # 2 Why did you insist the I produce three years of guarantee home payments, Ins, HOA, taxes, that I provided in XXXX. 

# 3 You say Pulte Mortgages review determined that your loan application was handled appropriately and in accordance with your policies and procedures. So you say that 36 HOURS before closing you required {$110000.00} to close, is that appropriately and in accordance with your policies and procedures????????, please respond and refund me the {$18000.00} it cost me and all the disappointment we did not get our dream home. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I sent you a request on XX/XX/year> for a copy of the voice recording STATING that I said our house IS under CO ) NTRACT
Consumer complaint received 2024-10-14
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: NEW YORK COMMUNITY BANCORP INC (NJ)

I have been trying to access my account online to check my balance and do view my transactions I have been calling the number on back of the card since XX/XX/2024 when I speak to the agent, they try to assist but they in up stating that they got to make a work order ticket and states that I should try logging on again within 24 hours. I give it 48 hours and still when I go to sign in the same issue. 
One agent stated that I should call XXXX when I called them, they stated they do not/ can not help with a card issue. 
I ask to speak with a supervisor it was stated that they stated they would put in a work order. I then send in my issue via US postal service to the address they have online. I still have not received an acknowledgement nor has the issue been solved. This has been going on since XXXXXXXX XXXX
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the 15-day grace period : My payments were made on time, which falls within the standard 15-day grace period offered by XXXX XXXX. The payments were not late, and the 30 and 60-day late entries are inaccurate. 
Clerical error by XXXX XXXX : Despite making the payments on time, it was incorrectly recorded as late due to a clerical error. This error caused an inaccurate 30-day and 60-day late payment report on my account. 
Evidence provided : I have attached bank statements and payment confirmation receipts showing that the payments were made on time. This evidence clearly demonstrates that no late payments occurred. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-23
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

Debt Collection Overview for {$770.00} Total Amount : {$770.00} 1. Identify the Debt Creditor : [ Name of creditor or collection agency ] Original Creditor : [ If applicable, the original lender or service provider ] Due Date : [ When was it due? ] Account Number : [ Your account number with the creditor ] 2. Understanding Your Options Payment in Full : If you can afford it, paying the full amount may resolve the debt quickly. 
Payment Plan : Contact the creditor to negotiate a monthly payment plan. 
Settlement : Sometimes you can settle for less than the full amount if you can pay a lump sum upfront. 
3. Gather Your Information Financial Situation : Assess your income and expenses to determine how much you can afford to pay. 
Documentation : Keep all correspondence related to the debt, including letters and phone records. 
4. Contact the Creditor Call or Write : Reach out to the creditor to discuss the debt.

Negotiate Terms : Be honest about your financial situation and propose a reasonable payment plan.

5. Make Payments Choose a Payment Method : Decide whether youll pay online, by check, or another method.

Track Payments : Keep records of each payment made.

6. Monitor Your Credit Check Credit Reports : After settling the debt, check your credit report to ensure it reflects the payment accurately. 
Example Payment Plan If you choose a payment plan, heres an example : Total Debt : {$770.00} Proposed Monthly Payment : {$100.00} Duration : 8 months Total Paid After 8 Months : {$800.00} ( including potential fees ) Final Notes Stay Communicative : Keep in touch with the creditor if you encounter difficulties. 
Know Your Rights : Familiarize yourself with consumer rights regarding debt collection in your area. At XXXX XXXX XXXX