davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MI)

On XX/XX/2019, my mortgage was assumed by Shellpoint Mortgage Servicing. On XX/XX/2019, I made my mortgage payment online. At that time I attempted to apply an additional amount to my principle balance, over and above my minimum payment, but the website did not allow me to. I subsequently emailed this company to inquire why this happened. I received a response that said I wasn't able to pay additional principle because there was an outstanding {$99.00} fee due on my account. When I called to inquire what this fee was for, I was told that this was for a `` drive by inspection '' that they performed on XX/XX/XXXX. I never asked for, authorized, or was advised of this appraisal. 

My complaint is twofold. First, how can this company arbitrarily charge me fees for appraisals that they, at their own discretion, deem necessary? Two, how is it legal for them to limit my ability to pay additional principle amounts when I make my payment? 

Thank you for your attention to this. I look forward to your response.
Consumer complaint received 2024-07-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

In late XX/XX/XXXX I delivered to Fifth Third Bank XXXX XXXX XXXX XXXX XXXX, Florida XXXX my brothers debit card and Florida death certificate as notification of his death on XXXX. I requested they close the account and was assured by the bank representative that the account would be placed on hold. Upon being legally entitled to his bank records in XX/XX/XXXX I discovered that no " hold '' was placed on the account and 10 % of the account balance had been drained via auto draft for XXXX subscription and XXXX XXXX membership. I contacted the dispute section of Fifth Third but was told they couldn't discuss the account with me. However, I was able to go to another Fifth Third branch and get the account placed on hold effective XX/XX/XXXX and told that the original branch should have placed the hold! I tried contacting XXXX and XXXX but I didn't have sufficient info to identify or access his accounts and told by each to speak to the bank. 
The bank has been uncooperative and I believe they need to rectify this situation by crediting all withdrawals from XX/XX/XXXX to XX/XX/XXXX.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

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 2024-07-13
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. (NC)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 



.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 2023-03-29
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. (RI)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX RI XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, RI XXXX XX/XX/XXXX, XXXX XXXXXXXX Balance : {$1500.00}, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$26000.00}, XXXX XXXX XXXX Balance : {$4500.00}, XXXX XXXX Balance : {$1800.00}
Consumer complaint received 2024-07-13
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. (AZ)

This letter is to inform you that I have become a victim of identity theft. 
Icontacted the Federal Trade Commission and filed a FTC complaint which is attached. There are accounts on my report which do not belong to me. 

All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. 

In addition, I demand the following fraudulent Inquiries be deleted from my credit report immediately. 

Please remove the following unauthorized hard inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX
Consumer complaint received 2024-07-13
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)

The national consume reporting agencies collectively have been reporting erroneous claims on my consumer report that have been detrimental to my credit worthiness and oppressive financially.

According to the FCRA 15 USC 1681a ( 4 ) consumers have a right to privacy and there is a need to ensure that consumer reporting agencies respect that right to privacy. Additionally a consumer report can only consist of information that these companies have a permissible purpose prescribed by law thats verifiable and I have not seen such. If I have ever given consent for any of the disputed accounts to report I revoke that consent and do not wish to continue to allow neither the consumer reporting agencies nor the corporations to report this against my will as they are detrimental to me operating in commerce. Credit reporting has been ruled an attempt to collect a debt as well. Any further reporting will be seen as violations of both FCRA and FDCPA. 

Please see the attached letters that were manually mailed directly to each reporting agency.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

XXXX  checking my credit report I noticed an erroneous amount of errors and inaccurate information reporting on my credit report. It is evident that this is a debt buyer collection agency. That is randomizing what innocent person they can attach all there bought debts on. XXXX they may be possible hackers behind a major data breach that took place during that time. Just added random people names to there database since they are more than like behind the scamming of the data breach. According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a 1099-C ( Cancellation of Debt ) from the following charged off account listed below. XXXX XXXX XXXXXXXX XXXX XXXX  XXXX After checking my most current report the updated information stated the account was purchased by XXXX XXXX XXXX XXXX XXXXXXXX this account can not be reported as a charge off on my credit report if the account was sold to another lender. Please send the 1099-C form. Please reference upload for verification of inaccuracy to assist with account deletion Account name-Different from original Terms - 1 months ( Plural ) Type - Collection Balance- {$2000.00} Date opened - XX/XX/year> Date of status - XX/XX/year> Responsibility - joint Comment History- Screenshot upload Balance History- Screenshot upload Account History- Screenshot upload
Consumer complaint received 2023-04-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Exeter Finance, LLC. (FL)

I take this loan back in XX/XX/XXXX. In XX/XX/XXXX when the Covid 19 Pandemic started i lost my job i contacted Exeter to explain the situation and they just allowed me to extend 1 month payment. MY wife was the only one working at that time and we made an extremely sacrifice to pay this loan, i called several times to request late fees waived and never were waived, so many companies did not charge late fees during that time but this company charge every month almost {$40.00} in late fees. My loan matured XX/XX/XXXX and at that time i had late fees outstanding in amount of {$1400.00} I called them and explained that i don't have almost {$1400.00} to pay at once they told me they understand but they reported me late 30 days just because the loan was matured and was not pay in full. they are reporting loan to be past due 30 days just because i did not cover late fees at the maturity they are reporting false and inaccurate information causing my credit to drop by XXXX points. The loan was not 30 days late the loan was not pay in full because of the late fees accumulated. i request a courtesy waiver and i don't have any response as of yet. I paid XX/XX/XXXX and then made 2 payments in XX/XX/XXXX.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-13
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: W&A Intermediate Co., LLC (GA)

I acquired a loan while on XXXX XXXX with XXXX XXXX XXXX ( XXXX XXXX  ), which was 29 %. The loan interest was never lowered while on XXXX XXXX. XXXX XXXX  stopped operations and was bought out by a new company ( I was unable to make payments, and I was never notified of the transfer of the debt until it was placed in collections by Wakefield and associates who refused to set up a payment plan ; it is on my credit report twice as XXXX and XXXX XXXX and Wakefield.
Consumer complaint received 2024-07-13
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-03-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (WA)

A last month rent/damage deposit refund of {$7100.00} e-mail for my condo tenant was hacked. Rather than to refund by check but was requested wire transfer instead. Wire transfer was completed. 

Event happened on XX/XX/XXXX to XX/XX/2023 Please see the attached e-mail trails for the event details.
Consumer complaint received 2023-07-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (IL)

Responded in my XXXX report for a possible personal loan. Several companies responded using a soft pull with amounts allowed as well as percentage rates. One Main had the best quoted rate and I responded to that offer. At that point a soft pull had been done and One Main requested proof of income as well mortgage payments. I placed all items required along with a photo ID. At no point was I aware that this loan would then process with a hard pull. A hard pull occurred on a Saturday XX/XX/XXXX. I was contacted on Monday XX/XX/XXXX by the local One Main who asked me to verbally verify the items I placed in the application. Once I completed the verification the local branch stated that she could get an approval for XXXX at a rate of 20 %. I explained to her that the rate approved on Friday XX/XX/XXXX was an amount of XXXX at a rate of 17 %. She explained that this was the amount allowed. I asked her why would the computer approve a different amount when NOTHING changed between the initial offer and that day. All income was verified, nothing changed. I sent a complaint to One Main, XXXX. I received a phone call on XX/XX/XXXX from a lady who explained One Main was allowed to amend the offer, she also explained that I had approved the hard pull by submitting the forms on XX/XX/XXXX. One Main baited me by showing a lower APR and higher amount and then switching the numbers. In doing this they made a hard pull on my credit by apparently placing the hard pull language into a fine print message. Once a hard pull is done aquiring any loan from another vendor becomes impossible because the soft pull will show the pull by One Main. One Main has caused me to become ineligible for a better rate at other lenders by placing their name on my report.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Experian continues to report incorrect information on my consumer report. There are several names, address, and phone numbers listed that do not belong to me. My name is XXXX XXXX my address is XXXXXXXX XXXX XXXX XXXXXXXX TX XXXX. Any information listed other than what I just stated is not correct and should be removed immediately.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CO)

My Equifax credit report shows none of my creditors have been updated since XX/XX/2023. This issue is only there for Equifax. All my credit accounts on XXXX and XXXX are updated monthly with no issues at all. I called in and did their ID verification by text ( scanned US Passport and selfie ) and they told me they couldn't verify me and to mail documents in. I'm not mailing anything to a company that had a breach. I asked to speak to a supervisor and after a long hold, I got a supervisor who told me I failed verification as soon as he got on the phone. I asked the supervisor what my name was to see if he actually had my credit report up and he didn't even know it ... All he kept doing was lying to me. The fact that this company outsources its support and supervisor to XXXX is insane. This is our personal information in the hands of XXXX.. They already had one breach which I was a part of why risk another breach by outsourcing to XXXX when there are XXXX who can do this job?
Consumer complaint received 2022-09-05
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

Here is the list of account/items which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX, CA XXXX, XXXX XXXX Date Opened : XX/XX/15 Balance : {$2100.00}, According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: VYSTAR CREDIT UNION (FL)

I recently was advised that member service at the credit union disputed many more transactions causing much confusion to the fraudulent dispute process. And in turn the fraud department has had no communication with me so I am able to explain the situation. 

My rental car with credit card information was stolen XXXX XXXX only to find close to XXXX plus in fraudulent transactions. 

I will be contacting my attorney about the retaliation for making a fraudulent dispute. Does this Credit Union permanent close accounts even with a police report and ftc report. That is a violation of the FTC
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I was a victim of identity theft. Someone stolen my identity and use my actual driver license, address, date of birth and social security number it to open a fraudulent accounts without my knowledge. I did not receive no money or no compensation for my identity that was stolen. I respectfully request that THESE ACCOUNTS BE DELETED, Identity theft made pursuant to the above-named Title and Section. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) or accounts that I have made or opened. It is the result of identity theft. XXXX said it was verified but did not provide Information accordance with me according to The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A D, please provide the names and business addresses of each individual or anyone with whom you verified the above, so that I may follow up.
Consumer complaint received 2024-07-13
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)

This account was charged off on the following date : XX/XX/year>. Since then, the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charge off should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate the account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding the deletion of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX