davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-14
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Kees to Success (MD)

I initiated contact with XXXX XXXX in XXXX XXXX The individual in question operates as a provider of credit repair services and has amassed a substantial following on the social media platform XXXX. The XXXX account associated with the individual in question is identified as " Keestosuccess. '' Initially, I enrolled in her credit repair program, which required an initial payment of {$190.00}. The voidedcontract in question has been breached and paid in full. I reached out to both the individual in question and her assistant, XXXX XXXX, in order to notify them that despite utilizing the aforementioned service for a period of 30-60 days, my credit score remained unchanged. She strongly advocated for my purchase of a credit monitoring service in addition to her bi-weekly membership, in order to stay updated on my credit score. I repeatedly communicated to her that I possess accounts with all three prominent credit bureaus, therefore rendering the acquisition of an additional monitoring service less than optimal. I choose to enroll in the supplementary {$40.00} service for the initial three-month period. However, after completing the 90-day duration, I decided to discontinue the membership and proceeded to communicate my request for a refund to both individuals involved, citing the absence of any services delivered. 
Subsequently, it came to my attention that a colleague named XXXX XXXX encountered a similar occurrence, wherein she fell victim to a fraudulent scheme resulting in a loss of {$1500.00}, exclusive of any incurred late penalties. 
I have been subjected to a block and ban by XXXX XXXX, who has also failed to respond to any of my attempts to communicate via phone. I have filed a police report in light of my intention to initiate legal proceedings against both the individual in question and her mother, alleging fraudulent activities resulting in the deprivation of funds over {$1000.00}. This unfortunate incident has had significant adverse consequences for me.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2024-08-19
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 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 in ( MONTHS REPORTING 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.

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 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

XX/XX/year> XXXX Fradulent names and addresses were-added to credit reports Reporting agency denied removal. 
Names and address used fraudulently 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-22
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 pulled a copy of my credit reports and noticed that erroneous accounts that need to be immediately DELETED. 

ERRONEOUS ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am a federally protected consumer, and I am well aware of my RIGHT TO PRIVACY outlined within 15 USC 1681 and more specifically 15 USC 1681A ( 4 ) . These accounts are related to transactions and experiences that falls under the EXCLUSION section of the FCRAs definitions, rules of construction section under 15 USC 1681a ( 2 ) ( a ) ( i ). It was ALSO REPORTED WITHOUT MY WRITTEN CONSENT and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and these accounts SHALL be Corrected. These accounts are NOT related to any transactions authorized by me, the consumer as I DID NOT give written instructions to your agency to report this, which is a clear violation of the PERMISSABLE PURPOSE section of the FCRA, which holds these agencies liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance outlined within 15 USC 1681n. Please DELETE these items from my consumer report! 
15 USC 1681b-2 THE LAW CLEARY STATES : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (WI)

I contacted the company to cancel my trip and was told I needed to contact the merchant XXXX XXXX to make that cancel request and that merchant would notify them ( XXXX ). I followed XXXX advised and made contact with XXXX XXXX to cancel my trip, they cancelled my trip ( confirmation code XXXX  ) on XXXX/XXXX/2924 at XXXX XXXX. At that point I thought everything was final due to what XXXX advised me to do, but then they withdrew XXXX additional payments out of my banking account. I made contact with XXXX at that time to see what was going on and they refused to cancel my loan when I provided them the cancellation information and proceeded to harrass me with threatening phone calls and emails. XXXX then lied reporting false information to the credit bureau in error causing me to drop my credit score by XXXX points. I want them investigated for reporting false information and have them reverse what was reported.
Consumer complaint received 2019-06-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP (CA)

I opened I HELOC with US Bank in XXXX, CA, on XX/XX/XXXX. The account has an annual fee of {$90.00}, which according to the contract, is waived the first year and charged beginning on the first anniversary ( XX/XX/XXXX ) and each year thereafter. I closed the account on XX/XX/XXXX and I asked that the {$90.00} annual fee that was charged on XX/XX/XXXX ( 15 days earlier ), be refunded in full or at a prorated amount. I was told by XXXX at the XXXX XXXX branch of US Bank that the {$90.00} fee charged on XX/XX/XXXX was for the prior year ( XXXX ), the fee charged in XXXX was for XXXX, and the fee charged in XXXX was for XXXX. He told me the XXXX fee was not for the ensuing year, and therefore, he could not refund or waive that amount. This logic does not comport with the contract, which clearly states that the {$90.00} fee is waived ( not charged, omitted, etc. ) for the first year. I believe I am entitled to a full or prorated refund of {$90.00} since this fee applies to a period ( XX/XX/XXXX / XXXX ) during which I do not have a HELOC with US Bank.
Consumer complaint received 2024-07-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally request the removal of several fraudulent accounts and inquiries from my credit report. These accounts and inquiries are not authorized by me and do not belong to me. The presence of these fraudulent items has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These fraudulent accounts have resulted in negative remarks that are adversely affecting my credit score and financial reputation. 

I kindly request the immediate removal and blocking of the following fraudulent accounts and inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION\
Consumer complaint received 2024-05-22
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. (IN)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2024-06-30
Product: Mortgage — Conventional home 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: Mr. Cooper Group Inc. (GA)

Company Name : Mr. Cooper ( formerly known as XXXXXXXX XXXX ) Loan Number : XXXX Complaint : I am writing to file a formal complaint against Mr. Cooper regarding my mortgage loan, number XXXX. Since my loan was transferred to Mr. Cooper in XX/XX/XXXX, I have experienced significant difficulties communicating with the company and have faced unjustified and burdensome increases in my monthly payments. 

In XXXX XXXX, I was notified that my monthly payment would increase by {$800.00} in XXXX. I have made numerous attempts to contact Mr. Cooper by phone, through their online portal, and via email to discuss this issue, but I have been unable to reach a live representative. When calling, I am repeatedly routed back to the automated system, and on the one occasion I reached a live person, I was told the system was down. 

The complaint research department has promised to have someone call me back since XX/XX/XXXX, but no one has. Today, I received notification that my mortgage payment will increase again, this time by an additional {$100.00}. 

I am currently facing financial hardship due to over {$80000.00} in medical bills related to a XXXX XXXX XXXX XXXXXXXX in XX/XX/XXXX and XX/XX/XXXX. These unexpected payment increases are causing me immense stress and hardship. 

I have requested that Mr. Cooper reassess my escrow and spread any arrears payments over 24 months to alleviate the burden caused by their failure to charge the correct escrow amount. To my knowledge, no reevaluation has been done. 

During the one phone conversation I had with a representative, I was told the system was down, but they agreed to reduce my payment to {$3100.00} per month and promised to call me back. This never happened, and my payment was not reduced. 

My original mortgage payment was approximately {$2800.00}, which increased to {$3500.00} in XXXX and is now set to increase again to {$3600.00} on XX/XX/XXXX. I was only notified of this latest increase this week, despite the previous increase not being resolved. 

I request that the Consumer Financial Protection Bureau investigate this matter and assist me in obtaining a resolution. I urge Mr. Cooper to reassess my escrow, spread arrears payments over a longer period, and reduce my monthly payments to a manageable amount given my current financial hardship. Additionally, I request that Mr. Cooper improve its customer service practices to ensure borrowers can reach live representatives when needed. 

Thank you for your attention to this matter.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

My rights enacted by the FRCA, FBCA and Privacy Act are in violation by the unaffiliated 3rd party ( s ) this complaint is going to. For items that have been placed on my credit report. I have included attached documents of these items. As per 15 USC 6802 ( b ) and ( c ). I was never provided the knowledge of the opportunity to opt-out of my personal information being reported. I then was also not provided knowledge and instructions on how to opt- out of my personal information being reported. In addition I have late payments that are being listed that were never verified and violated my rights per 15 USC 1666b. Both the credit furnisher and reporting agencies are in violation of these acts. They are unable to provide adequate verifiable proof. Which has also been attached in the documents uploaded, providing exact types of acceptable proof to have it considered verified. Lack of this acceptable proof based on the claim is lack of Corporate Compliance and a crime. If the proper recordings matching the letters are not rectified within 30 days and updated immediately with proof of the update. I will next exercise my rights to take legal actions. Since both parties are currently the acting fiduciary agents over my entrusted interests and information.

This report is not only damaging to further business transactions, it has also caused hinderances in personal transactions as I have been denied an extensions of credit to acquire a personal automobile for duties for my children. This leaves no other option than to take this to federal court to seek the highest claim of the Federal Reserve Act Section 29. 
CertMail # XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-22
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. (SC)

I am victim of identity theft and fraud. I have notified alleged creditors that the items on my credit report does not belong to me, and they have not validated any debts from alleged creditors with competent evidence of a valid contract according to the FCRA section 609 and best evidence rule that requires primary evidence meaning original version and other consumer laws i.e. title 15 U.S. Codes section 1681 and 1692. I have not in any way received goods, credits, money, loans, services, or any transactions. The alleged creditors have not provided proof of claim and my social security number has been used unauthorized, and without consent and written or verbal permission in violation of the privacy act of 1974 etc. I have not authorized any of these creditors listed to have access to my credit report, and/or score. Please see attached documents for remedy solution.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to follow up on my previous complaints regarding fraudulent items on my credit report. Despite my persistent efforts, this marks my multiple attempts to resolve this matter, and I am seeking for your assistance due to continued inaccuracies and discrepancies. Since then, I have made multiple attempts to rectify this issue, yet the fraudulent items persist on my report, adversely affecting my creditworthiness and causing significant financial hardship. I urgently request for your intervention. It is crucial that these inaccuracies are thoroughly investigated and promptly removed from my credit report to restore the integrity of my financial standing. I am available at your earliest convenience to provide any additional information or documentation necessary to support this complaint. Your prompt attention to this matter would be greatly appreciated. Kindly help me remove the following items immediately : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2800.00} XXXX XXXX Balance Owed : {$480.00} XXXX  XXXX Owed : {$590.00} XXXX XXXXXXXX XXXX Balance Owed : {$4100.00} XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX XXXXXXXX Balance Owed : {$100.00} XXXX XXXX  XXXX Balance Owed : {$13000.00} XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXX Balance Owed : {$6000.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$2800.00} XXXX  XXXX Balance Owed : {$480.00} XXXX XXXX XXXX Balance Owed : {$4100.00} XXXX XXXX Balance XXXX : {$1000.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX Balance Owed : {$2700.00} XXXX XXXXXXXX Balance Owed : $ XXXX XXXX Balance Owed : {$480.00} XXXX XXXX XXXXXXXX Balance Owed : {$4100.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2000.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX Balance Owed : $ XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year>.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My account with all the companies that I included on the document 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 XXXX, my XXXX, my XXXX XXXX XXXX and to my XXXX I demand the late payment reported in the months that I was 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.
Consumer complaint received 2024-06-23
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. (SC)

I am looking to purchase a home. I recently pulled my credit report and noticed incorrect accounts and some that I did not know of. I sent the company a certified letter to dispute the inaccurate information I saw on my credit report. I asked the company to verify and validate the accounts as required under the FCRA. I did not receive any information that verified and validated the accounts. According to the 15 U.S.C. 1681 law, there should not be any damages on my report. It is a defamation of my character.
Consumer complaint received 2024-05-22
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)

My name is XXXX XXXX XXXX. I am a consumer and this is not a third party filing this report. I have attached several documents for your review. Please look over them carefully and see how the credit reporting agencies are violating my consumer rights by reporting inaccurate information on my report. Thank you.
Consumer complaint received 2024-05-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Bridgecrest Acceptance Corporation (MN)

On XX/XX/2024 I bought a car from XXXX and financed it through their in-house financing company, Bridgecrest. On XX/XX/2024, my husband and I closed on a new loan at a much lower interest rate at XXXX XXXX XXXX. The payoff check, as per the amount provided by Bridgecrest, was mailed that same day by the XXXX XXXX. Bridgecrest did not process the loan payoff in a timely fashion. In fact, they debited another payment from my checking account on XX/XX/2024 in the amount of {$530.00}. I called Bridgecrest an inquired when I would receive a refund - they told me that I would receive {$490.00} because the check had not arrived within the 10-day payoff window. It is now, XX/XX/XXXX, and I have not received the check.