davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-21
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) (TX)

Chexsystems has blocked my ability to submit a dispute through their portal. Chexsystems.com and I am a victim of Identity Theft. Chexsystems has allowed XXXXXXXX Bank to report an account as " XXXX XXXX  '' That was not opened by me, nor utilized by me. I did not apply for any checking or saving 's account 's with XXXXXXXX bank  and I did not perform any account abuse. These account 's were opened without my permission from an identity thief. MY Wallet and Identification were stolen. XXXX XXXX  has already been notified and XXXXXXXX Bank submitted a letter to me stating they closed the account due to IDENTITY FRAUD. I do not owe XXXXXXXX Bank XXXX. I will not be paying XXXXXXXX Bank XXXX}. I did not open this account with XXXXXXXX Bank, I did not apply for the account. XXXX Bank already confirmed this was the result of identity theft, Yet XXXX Bank is falsely reporting this information to ChexSystems. XXXXXXXX Bank is Responsible for opening the account, I did not receive ANY Debit Cards, I have not Received any Account opening documents nor account agreements. I do not accept responsibility for any account 's that I Did not authorize. XXXX Bank did not have my permission to check my ChexSystems Report either. I see any Inquiry from XX/XX/2023. This also is a XXXX XXXX as a result of identity theft. I want this account blocked from my Chexsystems report. I have provided a Law Enforcement Identity Theft Affidavit. This affidavit was sent to the FBI, and Is with my XXXX  police department. The XXXX Account is listed as identity theft, and that the account was not applied for nor utilized by me or anyone I know. XXXX Bank does not have my permission to access my information, and they are falsely reporting an account I do not own, nor do I have responsibility for. I did not apply for any Accounts with XXXX Bank, and I want this information Blocked per FCRA Law 's from my chexsystems consumer file, I also want this disputed. I have not signed any Documents for XXXX Bank, and they do not have my permission, nor am I liable for a fraudulent account debt. No Account Abuse has been confirmed, as I did not open any account 's with their instituion. This is identity Fraud. XXXX Bank did not clear my security alert, and has not contacted me per my request. XXXX Bank, Is not handling Identity Fraud in an appropriate manner. I want this information blocked immediately.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

My account with Experian 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.

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.

Experian 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 2024-07-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-02-01
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. (FL)

Experian provided a copy of my credit report to multiple companies without my authorization : XXXX XXXX on XX/XX/XXXX -XXXX XXXX on XX/XX/XXXX -XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXXXXXX XXXX  on XX/XX/XXXX As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.
Consumer complaint received 2024-09-06
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. (SC)

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 Account Name : XXXX Account Name : XXXX  Account Name : XXXX Account Name : XXXX  XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : 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 2024-03-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I needed to obtain an extension of my own credit and was denied due to an adverse action that was used against me in Capital One final determination on XXXX XXXX. I havent given ANYONE consent to go behind my back to ANY third party to access my consumer credit. Based on the inaccuracies of my consumer report Capital One determined not to extend me credit due to a third party deceptive furnishing acts. I have a right to request ALL information about me within my credit file, free of charge since this adverse action was used against me in an unfair disadvantage. I request all agencies who furnished incorrect information about me. I need their names, addresses, and phone numbers. The disclosure is free of charge. 

According to the Law, if Capital One is considered the creditor who regularly extends consumer credit they are subject to a finance charge and is payable by written agreement in more than XXXX installments to whom the obligation is initially payable by agreement when there is no note or contract. 
Under an open-end consumer credit plan it is UNLIMITED because available credit is generally replenished. A line of credit is Self-Replenishing and I shouldnt be required to separately apply for additional advances. 
How can Capital One suspend any credit advances if the credit is unlimited, reusable, and is self-replenishing if its under an open-end consumer plan? 

Under 1026.5 ( b ) ( 2 ) ( ii ) ( A ) with respect to a cover separate credit feature that a credit card account under an open-end consumer credit plan, a card issuer ( Credit One ) of a hybrid prepaid credit card that meets the definition of a charge card has no periodic rate is used to compute a finance charge in connection with the covered separate credit feature and must adopt reasonable procedures for the covered separate credit feature. Capital One shall have made this disclosure because it is a requirement by the Subpart to be clearly and conspicuously in writing in form that the consumer may keep. I didn't receive any disclosures. The disclosures required to be provided as a separate document from all other written materials. 
What Capital One has done and continue to do is against the law. 

F.Y.I. Open-end credit is ( 4 ) four installments and creditors are subject to the appropriated provisions. An open-end consumer credit plan is an unlimited revolving credit that is self replenished.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I spoke with someone on the phone who told me if my insurance got a check sent over for {$6000.00} then my payment wouldnt be late when the car was totaled. The check was sent over AND received but they still marked my credit XXXX days past due. It has been unfair speaking with XXXX and they dont seem to comprehend it very well that the amount is supposed to go to any past due balance before anything else. They are holding us XXXX with late payment reports so we wont be able to get another loan through another company. We called XXXX and each time we were told it would be fine. They have done stuff like this consistently and its honestly hurting my credit score. The car was totaled out and our insurance got them XXXX owed within days.
Consumer complaint received 2024-03-11
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: AmeriHome Mortgage Company, LLC (OR)

I have been attempting to work with AmeriHome to resolve my past due amount. They placed me in a forebearance status in which I continued to make payments XXXX XXXX XX/XX/XXXX. 

They neglected to explain that all of those payments would be counted towards the past due months and so at the end of forebearance I would have a balance of {$16000.00} due. 
None of the payments are documented correctly in the audit they sent me, as I had another lender review. 

They told me to apply for another loan modification in which they never sent me the appropriate loan modification application. I was able to download the necessary forms from the www.loansolutionscenter.com and upload the requested paystubs and bank statements on XX/XX/XXXX. 

I heard nothing. I called the Loss mitigation number and they told me they had not received the documents from the loan solution center website. I emailed the whole packet of documents to the email given to me by the representative at Amerihome, he also filed a complaint for me regarding the loan solution center website and its lack of success to provide the timestamped documents to them. I emailed the documents to XXXX on XX/XX/XXXX. 

I received a letter stating they needed additional documents, so I emailed those documents on XX/XX/XXXX. 

I then received another letter stating I was late in providing documents and that the loan modification application was closed and listed my other options including foreclosure and short sale. 

I called the loss mitigation number again, and the representative told me she could only reapply for a new loan modification application since the previous one had already been closed. I asked to speak to a supervisor because the application should not have been closed because I had sent all the required documents. She said I could not speak to a supervisor. But she could only initiate a new packet being sent to my address, and I received one on XX/XX/XXXX and another identical packet on XX/XX/XXXX. 

I am just asking to have my balance brought to the end of my loan so I can start fresh with a XXXX balance and continue paying my monthly payment. There is no way that someone can be expected to pay two monthly payments during a forbearance period when the reason they are in forbearance is because of lost wages resulting in falling behind. 

I have had nothing but increased stress, lack of communication and terrible customer service with this company. I am doing everything in my power to keep my house but the lack of communication and ability to get any answers is preventing any resolutions.
Consumer complaint received 2024-02-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My Name XXXX XXXX i am HOlding my Business checking account in BANK OF AMERICA.. They always doing wrong with me last time take out double payments every month name of my credit card when CFPB is involved then they did something otherwise No.. my ACCOUNT NUMBER is XXXX ..a/c Name XXXX XXXX XXXX nAME OF progressive XXXX XXXX XXXX take out payments i don't have any relation with progressive insurance i went to 5 branch business bankers last 2 months no anyone listen to me no anyone help me i need my money back Even i called many time bank department XXXX XXXX no anyone help me txn.. amount XXXX {$650.00} XXXX {$160.00} XXXX more txn XXXX i am very upset with this bank my PHONE NUMBER ARE XXXX ... XXXX XXXX
Consumer complaint received 2024-09-06
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

This account is a matter of Identity theft. Remove from my credit immediately. Also the account has inaccurate and fraudulent information that does not mirror each other through the credit bureaus it is being reported by. XXXX XXXX XXXX Account # XXXX Transunion Account # XXXX XXXX  Account # XXXX
Consumer complaint received 2024-01-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Onity Group Inc. (IA)

For starters I pay my home loan through my banks autopayment system. 
The catalyst to the problem I am facing today was due to us shopping around for new bundled insurance. Thought this would be an easy process. 
Insurance company ended up sending me what was in the escrow account. So I held onto it to sort out with PHH Mortgage. 

PHH Mortgage sent me a letter stating we didn't have insurance and that they were going to penalize us for not having insurance. After submitting multiple copies of insurance we were able to get that resolved. Keep in mind my Auto Payments are still being sent at the first or prior due to weekend or holidays. 

I made a mortgage payment on XX/XX/XXXX, and XX/XX/XXXX. XX/XX/XXXX mortgage payment was for XXXX. 
I get a letter stating the the escrow is short and I need to make a payment. I call on XX/XX/XXXX and provide a payment to ensure everything is correct. 

Now they are stating that I have not paid my XXXX mortgage payment, when I did on XX/XX/XXXX. 
They are stating there is nothing they can do to resolve this. I have the feeling I have to make an extra mortgage payment + Late charges to get this rectified when I shouldn't have to do that.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Please be advised this my THIRD WRITTEN REQUEST and FINAL WARNING that i fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is min and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract eith my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 2024-09-25
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. (TX)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OK)

I have had this credit card with XXXX  XXXX for over three years. I havent used it in almost year since it has been paid off. I have never been late on any credit card payments or other payments whatsoever. My account locked me out, and I havent used the card so I wasnt able to see any statements that were coming to me. I was not receiving any e-statements or paper statements in the mail. I also did not receive a notice about an annual fee or late charge like I have in the past. Or even last year when I had to pay it. My credit score for the last year about has been over XXXX. I have worked tremendously hard to get that score that high. And credit one charged a late fee on annual fee, on a card that has not been used in 1+ years. And then I never got a notice about the late fee or the annual fee being due. I then received another late fee, and again was not notified. I then opened my credit report on Experian and my score dropped XXXX points for one late fee, that was from an annual fee. Like I said I have never had any derogatory marks or late fees on my credit report. O was pretty upset that the situation couldve been easily handled if I had known about the issue. And I feel like XXXX points being dropped is absolutely ridiculous for someone who has had impeccable credit and credit history. I then called XXXX  XXXX and they reversed the late payments and said it should reflect on my credit report that they have been credited back and that it was mistake and there were no late payments. I then went to pay the annual fee so this issue could be solved. I contacted Experian and XXXX  XXXX many times, they both explained it should be adjusted. I disputed it many times with Experian as well. I then opened my credit report today had my score dropped another XXXX points because the XXXX  XXXX balance was paid off and lowered my overall credit usage amount. I have never had an issue like this before, and extremely upset that it has taken a turn like this. Now Experian is staying it should be positively reflected by XXXX. I am just very upset that no one is helping me fix an issue that XXXX  XXXX caused the error on. I really need help fixing this.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.