davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION (MD)

I am submitting this complaint regarding an issue with my loan servicer related to the incorrect application of interest charges on my account. I have set up automated payments to ensure my payments are timely, paying {$25.00} every weekday, XXXX XXXX XXXX as a way to manage my interest charges effectively. My loan interest rate is XXXX %, and the daily interest accrual on my balance currently amounts to {$3.00}. 

Given that I make a payment each weekday, I expect the daily interest to reset each day to reflect this payment, resulting in a consistent interest charge of {$3.00} per day. However, Ive noticed recurring discrepancies in the way interest is applied. Instead of the daily charge of {$3.00}, I am frequently charged for multiple days of accrued interest, such as {$9.00}, which reflects XXXX days of interest. This pattern suggests Im being charged for periods when no payment was received, even though I have not missed any payments.

This issue raises concerns that I may be paying more interest than I should be, despite my consistent daily payments intended to minimize interest accrual. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter to ensure that the interest on my loan is being accurately calculated and charged in accordance with my scheduled payments.
Consumer complaint received 2024-07-17
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. (CA)

Back In XXXX, During the pandemic I called into XXXX  XXXXXXXX XXXX XXXX to make my very last Car Payment. But because of the pandemic the customer service rep. that was assisting me at the time stated that I didn't have to make the payment because of the Covid 19 relief that XXXX XXXX was extending to all of there customers. But since that date XXXX  XXXXXXXX XXXX XXXX has been dinging my Credit Report Ever since. 46 Months of Charge Offs being reported on my account, for 4 years. this not only obsessive but abusive behavior.
Consumer complaint received 2024-08-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Subject : Dispute with Bank of America Regarding Fraudulent XXXX Transactions Claim Number : XXXX I am writing to seek your assistance regarding a dispute with Bank of America involving two XXXX transactions that have been deemed fraudulent by the bank. Despite providing evidence supporting the legitimacy of these transactions, the banks investigation, based on a " cell phone conduction analyzer, '' concluded that these transactions were not initiated by my client. 

Transaction Details : Transaction Date : XX/XX/year> Amount : {$650.00} Confirmation Number : XXXX Transaction Date : XX/XX/year> Amount : {$650.00} Confirmation Number : XXXX These transactions were legitimately initiated by my client, XXXX XXXX, for services provided by XXXX XXXX On XX/XX/year>, I spoke with a Bank of America supervisor named XXXX XXXX ID : XXXX ). During our conversation, he informed me that the bank had conducted a cell phone analysis to determine the legitimacy of the transactions. However, a previous representative I spoke with on XX/XX/year>, instructed me to submit any evidence I had to support the legitimacy of the transactions via email. On XX/XX/year>, XXXX informed me that email submissions are not accepted for this case. 

I kindly request your intervention to help resolve this matter and ensure that the transactions are recognized as valid payments. Attached are copies of the supporting documents validating these transactions. 

Thank you for your assistance in addressing this issue. 

Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-08-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Despite my multiple attempts to dispute these items I am writing to request the removal of unauthorized credit inquiries listed on my credit report with [ XXXX ]. Upon reviewing my latest credit report, I noticed [ number of hard inquiries ] credit inquiries that I did not authorize. I request that these inquiries be removed from my credit report immediately, as they were not initiated or authorized by me. Attached, you will find a copy of my credit report highlighting the disputed inquiries I appreciate your assistance in resolving this issue promptly.
Consumer complaint received 2023-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

It is truly unjustifiable that I have consistently made on-time payments for this account and have never been late. I kindly request that you update my account to reflect this accurately.
Consumer complaint received 2024-07-17
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. (CA)

Intent to sue : I have disputed multiple times and will attach proof that I have contacted them. They still have not removed the XXXX  account and they put back on the XXXX XXXX  account. Both of these accounts are due to identity theft. These need to be removed immediately off my credit report. This will be the last time contacting them about this. Next time they will have a lawsuit for not following the law.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

On XX/XX/XXXX I contacted the bank in regards to loans XXXX, XXXX, XXXX and XXXX all which had foreclosed due to a mixture of inaccurate information and income problems due to XXXX. I reached an agreement to settle all XXXX accounts at 25 % of the balance at that date. 
XXXX XXXX amt on XX/XX/XXXX XXXX {$11000.00} XXXX {$8600.00} XXXX {$17000.00} XXXX {$19000.00} Totals {$57000.00} The company went on to again provide XXXX. Inaccurate calculations of the amount due XXXX. On more than XXXX occasions I was advised that the accounts were paid in full XXXX. Advised that this will be updated on my credit report within 30 days, it has passed XXXX XXXX days and still there. 
XXXX. I have disputed it on my credit report on XX/XX/XXXX and the company has again inaccurately validated that the full amounts are correct. 
XXXX. I have even disputed it here only to have the representative ignore the valid information I emailed her and then be provided a response advising of a 40 % settlement which is both Inaccurate in calculation and statement. 
I have provided copies of the inaccurate calculations for your reference and also a copy of the last response Loan Original 25 % Settlement Discover Calculated XXXX {$11000.00} XXXX XXXX XXXX XXXX {$8600.00} XXXX XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX XXXX {$19000.00} XXXX XXXX XXXX Totals {$57000.00} XXXX XXXX XXXX To date I have paid discover all of the monies that we agreed upon and have confirmed on many occasions that it was settled. 
In addition I reviewed the statements on this account from origination and it shows the initial date of delinquency XX/XX/XXXX at which point I was charged late fees of {$15.00}. 
These accounts should be settled and as a result of the first date of delinquency being past 7 years these accounts should no longer be on my account.
Consumer complaint received 2024-07-17
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. (GA)

Experian is furnishing and posting unauthorized and incorrect information on my report regardless of how XXXX  times I dispute or request a full report. I have been denied over and over for incorrect information and anytime I attempt to dispute, Experian comes back with its verified with NO additional information. Instead the just " re-age '' the account in order to allow the account to further harm me and my reputation. Also none of the disputed debts have been reported to any other agencies as required by federal law. I have directed for this inaccurate accounts to be proved or removed and yet NO action has been taken on the part of Experian to do their duty in ensuring the information they report is accurate, complete, and up-to-date. Credit reporting agencies must have a fair and timely process for consumers to dispute errors on their reports and investigate disputes, which has not happed. I have been violated over and over and there seems to be not recourse, remedy or accountability. There are mutltple accounts posted with " charge offs '' that ive received no 1099C for that ive let Experian know over and over again Experian has settled with the Federal Trade Commission ( FTC ) several times for alleged violations of the FCRA and GLBA, including a XXXX settlement related to its data security practices. 
Experian has been sued multiple times for allegedly violating the FCRA, including a XXXX lawsuit alleging that the company failed to properly investigate disputes and remove inaccurate information from consumer credit reports.
Consumer complaint received 2024-07-17
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. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX To whom it may concern, I recently pulled my credit report and noticed INACCURATE information. This account is not mine because I have insurance to cover nay any medical fees. Please advise me as to name and address of the medical provider, the service, the service date and to whom the service was provided. I am further requesting a breakdown of the fees including any collection costs and medical charges, Also, per HIPAA LAWS please provide me a copy of my signature of this alleged claim to release this information to you. OTHERWISE PLEASE DELETE THIS ACCOUNT EXPEDITIOUSLY! 
AN # XXXX
Consumer complaint received 2024-10-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-07-17
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. (FL)

" I reviewed my consumer report and informed your agency on XX/XX/year> about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim.

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Consumer complaint received 2023-01-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

I have been trying to cancel my PMI as it states after 2 years it automatically cancels in my contract. I have tried to reach out by phone and email to my service provider the answer I get since XXXX is instructions will be sent in 10 business days it is now XXXX my PMI is {$280.00}. Every month they delay places me in financial hardship. I received a letter stating Im not able to remove PMI with no explanation and Ive never submitted the application for review so Im not sure how it was denied. I am current on my payments. The loan has been more than 2 years from XX/XX/2020. This is one of the worse lenders I have dealt with I started having problems since they took my loan over. They also miss calculated my taxes causing problems with my monthly payment and account. They sent a check to me that should have gone to my taxes they told me to make payment directly from check that was sent so I did but then they sent a payment on there end and said my account was negative for escrow and taxes. Then i had to call property tax and they sent they sent them a refund that never showed in my account. Please help Im not new to owning a home and I have never had such bad experiences.
Consumer complaint received 2024-07-17
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. (TX)

I never authorized or established these accounts, and I suspect they may be fraudulent. Please conduct a comprehensive review of these accounts and take the necessary measures to remove them from my credit report. It is crucial for maintaining the accuracy of my financial records.
Consumer complaint received 2024-07-17
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. (TN)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-07-17
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. (MN)

My account with DEPT ED XXXX was never late! I have had exceptional payment history with DEPT ED 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 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 months that are reported late 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 21 days before the payment due date.

DEPT ED 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! 
Delete the late payments from my consumer reports
Consumer complaint received 2024-07-17
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. (NY)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I paid off multiple small loans with XXXX on XX/XX/year>. Another reporting cycle has passed and they have not updated the balances totalling {$1200.00}. Because they failed to report the correct information, I filed a dispute thorugh Experian. They rejected the dispute and falsely stated the balance information was currect, which is dishonest practice and has damaging effects on me and my credit. The issue is that they XXXX ) did not report the correct information when the next report date came around but XXXX ) they intentionally lied on the disput responce regarding the balance, wich is false reporting and consumers should be protected from that.
Consumer complaint received 2024-07-17
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. (WI)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

I have reason to believe I am being extorted by Experian. I checked my credit report and saw that I had fraudulently furnished late payments. I have never been late.These fradulently furnished late payments are and invasion of my right to privacy.
Consumer complaint received 2024-07-17
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. (PA)

I do not have a contract with XXXX XXXX credit card. They did not provide me with any evidence of a contract. I am not liable for this debt. I demand this creditor delete this account from my credit report. Violates FCRA laws fair and accurate credit reporting.
Consumer complaint received 2024-07-17
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. (AZ)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-07-17
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. (GA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.