davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: DISCOVER BANK (WA)

I applied for a credit card from a local credit union. They ran a credit report but I had a credit freeze due to previous ID theft and Fraud related to the ID theft. They told me I had to contact the credit bureau to correct my information. I ran my report and saw that when I recently moved, I forgot to update my phone number. I sent a letter with tracking to the credit bureau requesting they update my phone number. Never received a response. Instead my personal statement got deleted and my credit rating dropped precipitously ( about 100 points ) between XXXX and XXXX yet nothing else had changed about my credit card payment or anything else. I believe it was related to this inquiry in some shape or form.
Consumer complaint received 2024-08-19
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)

This letter is a request of the steps that your company took when investigating the disputed item. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? 
Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

XXXX XXXX
Consumer complaint received 2022-08-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

On XXXX XX/XX/2022 evening, hsbc restricted my account without updating me the reason why so the next day i head down to the branch and asked. So they said i have made a repeated transaction via paynow to others and one of my transaction i state it as cat supplies. First of all, all transaction is to myself and no one else and i state it as cat supplies because obviously i going to buy my pet stuff. Hsbc account tht im holding is a savings account. I have been pestering them via calls and heading down to branch. Still there is no updates, even some of the customer service are rude. This isnt fair for them to restrict my account for such a long period and went MIA afterwards.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XX/XX/XXXX {$23000.00} this account is showing late payments for XX/XX/XXXX on my report according to consumer law US CODE 1681 definitions rules of constructions transactions are not to be included in this report XXXX XXXX XXXXXX/XX/XXXX {$9900.00} this account is showing late payments for XXXX and XX/XX/XXXX on my report according to consumer law US CODE 1681 definitions rules of constructions transactions are not to be included in this report
Consumer complaint received 2024-09-09
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (FL)

in XXXX, Mr. Cooper purchased my Mortgage from XXXX XXXX whom I was paying for my mortgage since XXXX. XXXX XXXX CLOSED my account XX/XX/XXXX according to my credit report. Once Mr. Cooper took over the Mortgage, my credit score decreased XXXX points due to lack of payment. I never missed a payment. On XXXX, it says that my Mortgage was purchased Nationstar " New NATIONSTAR MORTGAGE LLC DBA XXXX account detected ''. I never paid Nationstar but I have paid Mr. Cooper regularly in XXXX when they said they took it over. I have no idea who Nationstar is expect it says that Nationstar was also taken over by Mr. Cooper. When I call Mr. Cooper, they are unable to resolve the problem. Mr. Cooper has an accurate record of my regular payments and confirms all payments are up to date. My credit report, states : XXXX XXXX XXXX XXXX points since XX/XX/XXXX Between XX/XX/XXXX and XX/XX/XXXX, your mortgage with NATIONSTAR MORTGAGE LLC DBA XXXX was added to your report. This account was opened on XX/XX/XXXX. 
The above is stated on my credit report. On XXXX XXXX, I opened my Mortgage with XXXX XXXX and I have been paying XXXX XXXX  since XX/XX/XXXX when my first payment was due. I am unable to get this problem resolved. Please help me! XXXX XXXX no longer services my loan and can not help me with this issue. Nationstar Mortgage is reporting that a Mortgage in my name is open but NEGATIVE ( NO PAYMENTS ).
Consumer complaint received 2024-08-19
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: Experian Information Solutions Inc. (FL)

I contacted a car dealership about purchasing a vehicle that I was notified was sold. The salesman then told me about a similar vehicle and offered it to me. While we discussed the vehicle, he said to fill out this financing form so that we can discuss more accurate numbers. While filling out the form I noticed a check box that said I authorized the dealer to run my credit. I immediately stopped and wrote the salesman, asking if the form would not be submitted until we discuss specific numbers, to which he replied correct. I sent them the form and the sent me a breakdown of numbers to which I denied. The manager then offered to send the form off to a few banks to see what the exact numbers would be, to which I replied no not at this moment. In the days later I received notifications from the credit agency Experian that there were credit inquiries made by that dealership. I've spent three days contacting the salesman and managers but received no response. This unethical dealership tactfully deceived me through unprofessional actions. I need the unauthorized inquiry off of my credit report.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

XXXX  XXXX placed a late payment on XX/XX/year> Account number XXXX. I have never made a late payment on this account. I contacted XXXX XXXX about the late payment and was told there was nothing they can do since the account is closed.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I applied for a credit card from a local credit union. They ran a credit report but I had a credit freeze due to previous ID theft and Fraud related to the ID theft. They told me I had to contact the credit bureau to correct my information. I ran my report and saw that when I recently moved, I forgot to update my phone number. I sent a letter with tracking to the credit bureau requesting they update my phone number. Never received a response. Instead my personal statement got deleted and my credit rating dropped precipitously ( about 100 points ) between XXXX and XXXX yet nothing else had changed about my credit card payment or anything else. I believe it was related to this inquiry in some shape or form.
Consumer complaint received 2024-09-02
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc. (GA)

I have been contesting this matter, but my efforts have been unsuccessful. The alleged collection in question is from ProCollect Inc for {$2500.00}, pertaining XXXX XXXX account opened on XX/XX/2022. Upon review, I learned that ProCollect failed to provide me with the legally required written notice or debt validation letter, as mandated under the Fair Debt Collection Practices Act ( FDCPA ). 


Additionally, I have contacted the apartment complex directly, and they explicitly confirmed that the charge was removed from my account. I have also obtained a copy of the financial statement, which clearly shows that I was never charged the disputed amount of {$3000.00}. The continued reporting of this inaccurate information on my credit report constitutes defamation of character and is a violation of the Fair Credit Reporting Act ( FCRA ). This false reporting has significantly impacted my ability to apply for apartments and other credit-related opportunities. 


ProCollect 's actions, which appear to be predatory and unjustified, warrant a thorough investigation. I request the immediate removal of this inaccurate account from my credit report and any necessary actions to hold ProCollect accountable for non-compliance and misleading practices.
Consumer complaint received 2023-11-06
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (PA)

I was traveling abroad in XXXX in early XX/XX/2023. I attempted to purchase train tickets and the credit card company put a hold on my account for suspicious activity. I contacted the company when I returned home and they stated they were unable to reinstate my account over the phone because I only have a mobile phone and not a landline. they said they were mailing a letter with instructions to follow to unlock my account. I waited more than 10 days and never received the letter. I contacted the credit card company again and after a 20 minute phone call a very disrespectful customer service representative told me no supervisor would be available to assist me for 24 to 48 hours. She stated I needed to wait for the letter to come in the mail. At this point, it has been over a month, and I can not access my card, can not review my balance, and can not make a payment on my account. I am concerned that interest and late fees are accumulating, and I am unable to get assistance from the company to unlock my account. My account name as it appears on my credit card with city is XXXX XXXX XXXX
Consumer complaint received 2023-11-16
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. (MD)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-11-16
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. (MD)

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 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 2024-09-07
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: FIFTH THIRD FINANCIAL CORPORATION (AL)

XXXX XXXX XXXX XXXX Fifth Third Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These Companies put inquiries on my credit report without my permission I didn't Authorize nor I consent for this companies to pull are view my credit report this is a violation of the Fair credit reporting Act Section 1681b ( c ) and a serious breach of my privacy rights
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. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 2024-09-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (MD)

I have been receiving many calls per day from Navient, even though I had notified them that my loan is now nearing XXXX XXXX XXXX 
On XXXX XXXX, I received a message from XXXX XXXX, from a person that I did not know. It turns out that she is my neighbor from across the street, and I really have never met her. She started receiving calls from Navient, regarding MY ACCOUNT!!! This is a complete invasion of privacy, and unlawful. They gave her information that was personal, including my name, address, and that they were attempting to reach me regarding student loan debt.. I plan to pursue this through the legal system, as they have invaded my privacy, and broken privacy laws. Please give me information, as to an attorney that I can contact to pursue this. I have kept the messages that I received from the neighbor, as proof. 
Thank you,
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

THIS INACCURATE INFORMATION FALSELY MANIPULATES THE STATUTE OF LIMITATIONS. YOU FAILED TO INVESTIGATE THIS ACCOUNT PROPERLY AND YOUR NEGLECT HAS VIOLATED MY RIGHTS. I AM DEMANDING A DELETION OF THE FOLLOWING ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-19
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. (NJ)

On XX/XX/XXXX, I sent my FTC report. My license to Experian, XXXX, and XXXX. I have fraudulent accounts reporting on my consumer report illegally. I am filing a civil suit. I need evidence to show I followed the lawful process.
Consumer complaint received 2024-08-08
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX, XXXX, and TransUnion all have an account my cy credit report that shouldnt be there, an account from XXXX XXXX XXXX for the amount of {$500.00}. On XX/XX/2023, I paid directly to XXXX XXXX XXXX. I tried to dispute through all XXXX credit bureaus and the results where all the same nothing changed. If an investigation actually happened, a simple phone call wouldve fixed all this. Ive exhausted all options. I have the receipt and I would like this removed from my report, from all XXXX bureaus.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

In XX/XX/XXXX I made the decision to close this credit card after numerous issues with XXXX XXXX issued by XXXX XXXX XXXX. I contacted them via phone to initiate the account closure and at about the same time revoked account access to my checking account with XXXX via a XXXX XXXX XXXX  called XXXX. This app enables a company to see an account holders balance and transaction history within my personal checking account. The day of that call and prior to closing the account I used the lenders app to initiate the payment of the majority of the balance due them. 

Within days of closing the account I no longer had access to the XXXX XXXX XXXX  or website for current account balance and to make debit payments from my XXXX XXXX account as payment to XXXX XXXX This lender also does not accept payments pushed from my bank to them via XXXX. I should also mention that auto pay was set up on this XXXX account to ensure that a payment due was never missed. 

Based on my experience, conversation with XXXX bank and my numerous attempts to get answers from XXXX, it appears that when I revoked permissions via XXXX this lender automatically stopped sending XXXX debits to XXXX for payments whether payments I requested or auto payments. They simply stopped and as a result have reported my account as delinquent, charged erroneous finance charges, refused to resolve the issues and made numerous claims that my bank reversed payments when in fact they reversed the payments and never submitted them into the XXXX clearinghouse. 

I was able to pay them {$320.00} via check on XX/XX/XXXX check number XXXX. They did successfully apply that payment to my account but now insist that i still have a balance for finance charges. They have also reported the account as 60 days late to the credit bureaus.
Consumer complaint received 2024-07-31
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. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act 15 USC 1681 section 602 specifically states " There is a need to insure that consumers that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. I am the consumer and XXXX, XXXX and Experian are the consumer reporting agencies. According to 15 USC 6801 " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' I have the right to make sure my private information isnt shared. XXXX XXXX XXXX is a financial institution under title 15. 15 USC 1681 section 604 a section 2 states " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other " in accordance with the written instructions of the consumer to whom it relates ''. XXXXXXXX XXXX XXXX Experian, XXXX, and XXXX do not have my consent to furnish this information. Any and all consent to Experian, XXXX, XXXX, and XXXX XXXX XXXX whether it be verbal, non verbal, written, implied or otherwise is revoked. It states in 15 USC 6802 ( b ) ( c ) " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option ''. XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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 '' This account is being reporting without my permission which is against the law. According to 15 USC 1681s ( 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 innacurate. 15 USC 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under 1681b of this title '' XXXX, XXXX, and Experian are not maintaining reasonable procedures at this time. 

12 CFR 1016.7 states " A consumer may exercise the right to opt out at any time. '' I am now opting out of your reporting services regarding the account mentioned.
Consumer complaint received 2024-07-31
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 ( CREDITOR NAME ) 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 those account 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.

( CREDITOR NAME ) 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