davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (FL)

These items are for Navient is inaccurate because I did not receive any notices regarding my deferment renewal old address and phone #, and I was deferred before and after this period that is flagged late. I have been pleading since XXXX, and all through Covid because I was laid off from my job and was desperate for financial assistance. There are XXXX lines showing 150 days past due. Most recently, my loans have been XXXX and advised by the XXXX XXXX that any derogatory remarks were supposed to be removed from my report. Now, my mom has passed XX/XX/XXXX and I am trying to assume her mortgage as she transferred her deed it to me and my credit is playing a huge part. I am begging again for assistance. I am requesting that these 26 lines be removed. Navient is currently closed AND paid in full on my credit report.
Consumer complaint received 2024-06-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (UT)

On XX/XX/year>, I purchased {$1500.00} of XXXX equipment from XXXX XXXX  using my XXXX XXXX XXXX run by synchrony bank. I never received the products. When contacted, they said they were delivered even though I never received them. They provided a picture which was not of my house as proof of delivery.
Consumer complaint received 2023-05-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. XXXX XXXX XXXXXXXX XXXX. Please delete ASAP.
Consumer complaint received 2024-08-19
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. (KY)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with XXXX XXXX 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 in 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. 

XXXX 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 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act, XXXX, Transunion and XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I have asked XXXX, XXXX and Transunion to reinvestigate these accounts on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX for incorrect information reporting on my credit. I have also requested for XXXX, XXXX and Transunion to remove XXXX XXXX from my account due to inaccurate information. However, they have stated everything was completed and accurate. But how is this possible if these account still remain on my credit report. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that are not reporting accurate information. 

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

15U.S.C 1681 section 602A section 2 : States consumer reporting agency can not furnish an account without my written consent. 

15U.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. 

15U.S.C 1681c ( 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. 

Transunion and XXXX both failed to send me an update on the dispute I submitted. I called both Transunion and XXXX and they have both declined to send me a letter providing me an update of the dispute. When I asked them what information did they request from the creditors I am disputing on my credit, Transunion response was we just go base on what the creditors send us and when I asked what the creditors sent them to confirm that account was opened by me they simply say they provide basic information. When I called XXXX they provided general information on what they do on a dispute which was not helpful.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AR)

I am not liable for this debt with XXXX XXXX XXXX XXXX for {$980.00}, I do not have a contract with the collection agency, they did not provide me with original contract as I requested. Ive recently in the month of XXXX ask for debt validation from the debt collector and they refused to provide it. According to Law violation 15 U.S.C 1681G, I asked if they could validate this information and they refused. I ask to validate the information below : Please provide me with the original purchase agreement here.

A breakdown showing proof that Im liable for this debt with my name/signature showing Im going to pay {$980.00}.

A contract between you and the original creditor.
Consumer complaint received 2023-11-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. ()

XX/XX/2022 XXXX XXXX XXXX XXXX made a payment in the amount of XXXX XXXX dollars from its XXXX account to the account of XXXX XXXX XXXX XXXX XXXX XXXX opened in XXXXXXXX XXXX XXXX XXXX XXXX XXXX  JP Morgan Chase Bank was an intermediary bank in this chain. On XX/XX/2022, XXXX was appointed in accordance with XXXX XXXX XXXX. XXXX. Given this, my payment must be blocked by an intermediary bank in accordance with the rules of US sanctions. To unblock a payment, I need to apply for a specific license with OFAC. However, JP Morgan Chase has not yet blocked the payment and has not informed the sending bank about the freezing measures. Thus, I can not apply to OFAC for the license required to unlock my funds, because for this I have to enter some data, in particular the date when the payment was blocked. Otherwise, OFAC may not find the record of the blocked payment. XXXX we tried to contact JP Morgan Chase Bank via XXXX from XXXX with a request to clarify whether the payment was blocked and what was reported to OFAC and when. However, JP Morgan Chase did not respond. Thus, I can not apply to OFAC for the license required to unlock my funds.
Consumer complaint received 2023-11-07
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: EQUIFAX, INC. (CA)

Upon a thorough review of my personal credit report, I have identified several discrepancies. I acknowledge that errors can occur, but these particular inaccuracies pose a significant threat to my prospects of becoming a homeowner. I have conducted research on the dispute resolution process and understand that you are required to complete your investigation within a thirty-day timeframe. I kindly request that you invest the time and effort necessary to rectify and update the inaccurate information on my credit report. Given the current economic challenges we are facing, I can not afford to have erroneous data adversely impacting my credit score. I eagerly anticipate receiving an updated version of my credit report that reflects these necessary corrections within thirty ( 30 ) days. XXXX XXXX , XXXX XXXX XXXXXXXX , XXXX. XXXX, XXXX XXXXXXXX XXXX, and XXXX XXXXXXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. Also please note that I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim.
Consumer complaint received 2023-09-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC (TX)

Despite repeatedly requesting monthly statements for the duration of my loan, I have yet to receive them, neither in paperless form nor by mail. Furthermore, since 2021, I've asked for any additional payments to be applied to the principal. However, I've neither received confirmation of this being done nor obtained statements to verify its completion.
Consumer complaint received 2024-07-31
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)

It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough investigation and expedite the removal of these unauthorized accounts from my credit report as quickly as possible. Your immediate attention to this issue is greatly appreciated.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

Despite our previous attempts, I regret to inform you that these issues still persist on my record. I kindly request that you prioritize the investigation and removal of these discrepancies, ensuring that all necessary steps are taken to correct them in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. 
I understand that resolving such issues may take time and effort, but I urge you to handle this matter with the urgency and attention it deserves. Your assistance in rectifying these discrepancies is crucial to ensuring the accuracy and integrity of my credit information. The following items shoild be removed as soon as possible : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2024-06-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC. (CA)

This complaint is against XXXX Account # XXXX. I have no contract with this XXXX XXXX debt collector. They also never notified me in writing and if they did please provide evidence that you notified me before parking this on my consumer report without my consent. You are in violation of the FDCPA if this account isn't removed/ deleted from mv consumer reports I will pursue suit and remedy to a federally protected consumer. Account number listed on my consumer report is XXXX I have never done business with XXXX Account # XXXX delete this from my consumer reports. I am also questioning the account balance listed own my consumer report shows a balance but why is the original balance a different amount? I also have the right to privacy I need this deleted/ removed because I never gave you consent to furnish this on my consumer report and if I did where is the evidence. You are also reporting inaccurate and incomplete information why are there payment terms of 1 month on this collection account buy the name of XXXX Account # XXXX? If this is a collection account how can you put a status of " XXXX ACCOUNT. past due ''? have never opened an account with XXXX Account # XXXX remove and delete this immediately. Why is there a date opened? I have never opened an account with XXXX  Account # XXXX and if I have where is the evidence that gives you the right to report this on mv consumer report? DELETE REMOVE IMMEDIATELY
Consumer complaint received 2023-10-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: Mercedes Benz Financial Services (PA)

Mercedes Bank Financial Services ( XXXX and XXXX ) did not send me the XXXX  XXXX form. When I contacted them via their portal and phone, they told me they will charge {$10.00} to issue the 1099.

The IRS has ruled that charging a fee for issuing a 1099 is illegal. This is because a 1099 is an information return that is required by law to be filed with the IRS. The bank is responsible for filing the 1099 on the taxpayer 's behalf, and it can not charge a fee for doing so. 

I own a Demand Note from MBF - services at this website : XXXX
Consumer complaint received 2024-08-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Swe Homes LP (TX)

Attached are the correspondence and documents in dispute with this Lender/Broker. 
All fees paid for the initiation of the loan were applied to " fees and downpayment '', but nothing officially was applied to the loan. 
The Loan Principal Payment started XX/XX/XXXX with the Principal Balance the same as the asking price. 
XXXX, On XX/XX/XXXX I was charged an additional {$1500.00} for a signature of authorization to XXXX the lot as required to BUILD as primary residence for XXXX of XXXX Tx zoning. Due to undisclosed easements the Surveyed and Replated lot was reduced to XXXX sq ft and not the advertised and sold XXXX sq ft as XXXX side by side lots. 
XXXX. XXXX $ was agreed down payment for the {$1500.00} charge for a remaining balance of {$750.00} that has been described as " servicing fee ''. Please provide the TOTAL sums paid for this fee XXXX. All Unapplied payments have been requested in writing to be applied to Principal Only, however the Lender/Broker holds these funds until they feel like applying it to principal or have assessed more fees to take the overpayment. 
XXXX. On, XX/XX/XXXX the Lender/Broker Stated they returned a fully paid installment citing it was not full payment, but then used over XXXX in unapplied " to make the month due payment '' Also stated that I did not make monthly payments at times which i disputed. Found missing payment, explained as returned. XXXX XXXX to the XXXX, had this payment never been returned current status would be XXXX paid in advance. 
XXXX. The explanation of this does not even make sense as I was told that the payment covered XX/XX/XXXX new payment, but according to the documentation given it shows that payment was applied to XX/XX/XXXX, which was in fact also paid as an installment, with additional weekly payments. And if the payments made weekly ( unapplied ) then in fact was not XXXX paid ACCURATELY? But then returned without cause its unapplied payment ( XXXX ) clearly would have made up any difference. 
XXXX. As you can clearly see in the payment history, The XXXX was assessing fees after installment payments, and when you're holding excess payments in an unapplied account and then charging random fees to take the money. 
XXXX. To clarify, when XXXX went silent after my request of payment arrangement XX/XX/XXXX ( same date of last returned payment ) and given the history of the accounting ( as documented ) I paid XX/XX/XXXX, the total amount due, meaning the Notice dated XX/XX/XXXX, was not necessary or justified, but confirmed every suspicion of mine that this Lender/Broker is purposely manipulating default and late status. 
XXXX. I request an updated payment history showing all payments and itemized fees and payments to date.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I received a notice of social security data breach, through XXXX, however I have been unable to get through to Transunion, either by website login, XXXX or XXXX numbers or their excuse of a " livechat. " Wait times are atrocious and do not leave an option for any call back.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I am disputing and investigating these wrong accounts on my credit file. I should get {$1000.00} for each mistake under the Fair Credit Report Act. FCRA 605B says we must report wrong accounts on a credit report.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

reporting a canceled forgiven debt that was sold is a violation of the FCRA the account has been canceled by 1099c and sold this account has no debt to report under the IRS rules I WILL KEEP FILING COMPLAINTS ON THIS MATTER UNTIL L YOU FIX THIS YOU CAN NOT REPORT A CANCEL SELL IT THE DEBT IS NO MORE REMOVE AT ONCE I WILL KEEP FILING THIS COMPLAINT EVERY DAY TILL THIS IS DELETED THAT WILL BE 7 COMPLAINTS WEEK
Consumer complaint received 2023-08-24
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. (FL)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The 3 Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC Section 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditors, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. REMOVE THESE NEGATIVE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The 3 Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC Section 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditors, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. REMOVE THESE NEGATIVE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-19
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: OPORTUN FINANCIAL CORPORATION (WA)

I have a personal loan with an approximately {$10000.00} balance. 
I recently paid {$3800.00} to this loan, expecting a portion of it to pay this months interest and the rest to pay down the principal balance. 
On their payment page they ask the question, " do you want this to go towards future payments? '' to which I selected no. I want it to be applied to this months payment and this months principal balance. 
After making the payment, I noticed that it now says I do not have another payment due until XXXX of 2025, meaning, they have applied my paymnet to future payments. 
I called the company and spoke with a customer service rep who said that unless you make additional payments on the exact day the loan payment is due, then it is always applied to future payments. Regardless of what you select on the payment page. 

What this means is, I still have to pay interest on the higher principal balance until each of these payments are applied each month between now and XXXX. 

This is fraudulent in my mind, they are extorting higher interest payments out of me illegally.