davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (CA)

Trying to get off an income-driven repayment plan to an extended standard monthly repayment plan. It is calculated at little over $ XXXX. Everything is already calculated. They just need to switch me over to my plan. 
The request was put in XX/XX/XXXX. They said the switch would be made in 47 days. It's been 2 months, and they still have not done anything. They refuse to provide any updates, they don't give me any dates. 
They keep delaying my request without any good reason, and don't make any progress, and keep saying they can't tell me anything.
Consumer complaint received 2021-10-12
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I have reported multiple times to all Credit Reporting Companies ( XXXX, XXXX, and TransUnion ) that XXXX  Account # XXXX has me late 60 days XXXX XXXX, 90 days XX/XX/XXXX, and 120 days XX/XX/XXXX. I was in forbearance from XX/XX/XXXX through XX/XX/XXXX. Therefore, I should not be reported delinquent. I submitted multiple disputes through the credit reporting documents with the forbearance letter, and it still reporting late because XXXX keeps saying all records are correct. In addition to disputing with the Credit Reporting Companies, I sent a letter to XXXX and no changes.
Consumer complaint received 2024-07-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: ALLY FINANCIAL INC. (CA)

I took the initial mortgage loan in XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX with the original loan terms that I can request an escrow account waiver in future if I need to. At that time for my convenience, I chose it as an impound account ( i.e. pay taxes & insurance in the escrow account ) since I was assured that I can request to waive it in future. 

Subsequently, the loan was sold twice and currently it is being serviced by Ally Bank XXXX XXXX XXXX XXXX XXXX 

Recently, I requested for an escrow account waiver from Ally Bank. I sent a hand-written request ( via fax ) to them on Date : XX/XX/XXXX regarding this request. 

However, I received an absurd response from Ally Bank ( Dated : XX/XX/XXXX ) stating that the loan did not permit an escrow waiver. Kindly NOTE that Ally Bank did NOT do any investigation at their end and just provided me a straight denial. 

Hence, I escalated the matter with Ally Bank by speaking multiple times with their customer representation team and explaining the fact that I did not take a direct loan from Ally Bank and my loan was transferred to them. Hence the original loan terms and conditions can not change which allow me the waiver of the escrow account. 

I also sent hand-written ESCALATION to them XXXX XXXX XXXX XXXX XXXX XXXX  ) asking them to kindly look into the original loan terms and conditions which allow me to waive the escrow ( i.e. they can not simply deny stating that loan terms doesn't allow it ). 

Ally Bank responded ( XXXX XXXX XXXX XXXX that while I am allowed to get the escrow waived, however they have OPTED to keep the escrow account and NOT to waive it. 

I feel so much frustrated, mentally harassed and cheated now. This is NOT what my original loan terms were agreed upon and Ally Bank is simply denying it without any solid grounds. 

NOTE : I have NEVER defaulted on any of my monthly mortgage payments ( which include the taxes and insurance ) and have always paid them on time. All I am requesting now is that going forward I would like to take care of paying the taxes and insurance myself- which were the original terms agreed upon. 

Firstly Ally Bank denies by stating that the loan terms doesn't allow waive of escrow- without even investigating. And after my escalation and their investigation when they see that the original loan terms allow waiver of escrow, they refuse by saying that they are Opting out of it. I FEEL SO MUCH DECEIVED and HELPLESS NOW.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My accounts was never late! I have had exceptional payment history with XX/XX/XXXXXXXX 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/updated. 

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. 

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 XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally lodge a complaint regarding the inaccurate and misleading reporting of a XXXX XXXX collection account on my credit report. Despite my diligent efforts to resolve this matter, XXXX XXXX continues to report this account as " Open '' and in " Collection, '' with an incorrect open date of XX/XX/XXXX. I have sent certified letters to XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX, both of which were met with insufficient responses claiming the account is reporting accurately. However, this response is not only incorrect but also a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which mandates that consumer reporting agencies ensure the accuracy and integrity of the information they report. Additionally, despite my numerous attempts to dispute this account over the past year, no remark has been added to my credit report as required by the FCRA. The continued inaccurate reporting and failure to address my disputes violate my rights under the FCRA and constitute an ongoing harm to my creditworthiness and financial reputation.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed inquiries I didn't consent to and personal information I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I never consented to these inquiries and did not provide written consent to report them List all inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Here is the personal information that I never consented to or provided written consent to report : List all personal information want deleted :. 
Please investigate and provide proof with statements showing that I authorized or consented to these inquiries or personal information and proof that I authorized the reporting of this information. If proof can not be provided I demand these inquiries and personal information be deleted. 
Adjust accordingly if there is no inquiries or personal information to be deleted
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I received a copy of my credit report and I believe the following item of information to be inaccurate : Account Name : XXXX XXXX Account Number : XXXX I believe the following account on my credit report is reporting inaccurately and is incomplete. I believe the payment history and terms is inaccurate on the credit report. I ask that you investigate this account for completeness and accuracy and notify the furnisher that this item of information is being disputed. I also ask that you consider all relevant information I have included with this dispute.
Consumer complaint received 2024-08-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (MA)

Ten days after returning from a vacation rental in XXXX, XXXX, published as a " calm house, ideal for families '' XXXX XXXX XXXX XXXX ) I received an email from XXXX stating that I would be charged in 3-4 days XXXXXXXX XXXX for breaking the stove hood and scratching the TV. In the message, the host says we spoke via telephone of both breakages that same day. Of course, that was a lie as were the breakages. My family did not use either. We don't even own a TV in the US. He was looking for a free XXXX Euros out of a family of Americans that had already landed back in America, far from XXXX. This was a trip to celebrate the end of my XXXX treatment. It was such a farce and the dishonesty of it all left a nasty feeling throughout my body. 

I immediately called XXXX and saw that they entry level representatives would not be of much help. They spoke in circles. I called Chase right after and canceled my card pleading to take off this charge as it was fraud, I had not authorized anything and the host was committing a crime. He had submitted receipts to XXXX from 4 and 2 years ago respectively and when I asked XXXX about this, they didn't seem to care. The photo of the " TV scratch '' was a close up and could have been from any TV, their own personal one, even. It was not dated. The stove hood video had no date either. The host was indeed mischievous and when I tried to submit an honest XXXX review I see that it will not be published. I see there are only two 5 star reviews from last year leaving me to believe that it is all a scam. 

I have called nearly every day - both XXXX and Chase- for an update and there is none. XXXX keeps saying they are reaching out to the host for an explanation of the old receipts and undated photos. When will it end? The investigation has gone no where and I am frustrated and am not going to pay an exorbitant amount of money to someone who I did not authorize this payment to. I have spent hours trying to resolve this issue over the course of weeks. 

I ask that you help me in this matter and correct this wrongful action. I see that Neither XXXX  nor Chase take their customers seriously.
Consumer complaint received 2024-08-22
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 this company is being reported late and i was never late! I have had exceptional payment history with this company 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.

This company 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 2024-08-19
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (MS)

This account has conflicting reporting on my XXXX and XXXX report. It list XXXX delinquency XX/XX/XXXX and the account was close. It also list a delinquency XX/XX/XXXX, which would have been before. I also have a letter of Wells Fargo admitting over charges due to their inaccuracies. Please remove this account from my credit profile
Consumer complaint received 2024-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

Usaa is a virtual bank. They do not have local branches. I uploaded checks mobility. I uploaded check properly per tgier instructions. They mishandled the upload because they have internal issues. This processed have errors after receiving checks and they mishandled my deposit and penalized my account. Thier banking mobile upload should not be allow because it have errors that effect customers accounts and they are unwilling to fix issues on accounts due to flaws in thier system and thier management of customers funds.
Consumer complaint received 2024-08-22
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. (VA)

CFPB, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXXXXXX XXXXXXXX, DC XXXX Subject : Complaint Regarding Improper Use of Credit Report by Experian Dear CFPB, I am writing to formally submit a complaint against Experian regarding the improper use of my credit report. 

Details Ive sent all of my supporting documents to Experian on how I use my name. XXXX XXXX XXXX, XXXX XXXX XXXX ( CORRECT ), XXXX XXXX ( WRONG ) On XXXX improper use of my credit report. This hasn't done anything but cause significant distress. 

I have taken the following steps to resolve this issue : contacting Experian, disputing the information, etc. 

Despite my efforts, the issue remains unresolved. I believe this constitutes a violation of the Fair Credit Reporting Act, and I am requesting your assistance in addressing this matter. 

Please find attached copies of all relevant documentation. 

I appreciate your attention to this matter and look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-10-07
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. (CA)

There are five accounts on my credit report that do not belong to me. The accounts are the following. XXXX  XXXX {$12000.00}, XXXX XXXX/XXXX {$8500.00}, XXXX XXXX   {$16000.00}, XXXX-XXXX {$18000.00} and XXXX XXXX XXXX XXXX {$6600.00}. I have filed an FTC identity theft report as soon as I was made aware of these accounts because they were opened by someone else without my permission. I contacted the creditors as well as the credit reporting agencies and explained what was going on, however, the creditors nor the credit reporting agencies did anything to get this resolved.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OH)

I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (AL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX XXXX XXXX XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).
Consumer complaint received 2023-12-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (TX)

My employer has been sending payments to my servicer since XXXX of this year. All of the checks have been cashed, however they are not appearing in my account. I've called multiple times to try to rectify this.,
Consumer complaint received 2024-06-10
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)

Recently, I reviewed my credit report and found multiple items that caused me significant distress. These items appear to be unverifiable, invalid, inaccurate, and questionable. It is evident that your agency did not ensure these entries were 100 % accurate. 

According to the Fair Credit Reporting Act, all information on my credit report must be completely accurate. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( a ) ( 5 ), these accounts are in violation due to their inaccuracies.

I am attaching copies of all relevant correspondence for your review. Please address these discrepancies promptly to ensure my credit report reflects accurate information.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

I have tried for 3 + days to log into my Experian account to review my record. Logging in requires passing a 2 step authentification process. This process is broken and the passcodes are not being sent and there is no work around. Thus I am not able to log into my account to get the info I want nor am I able to contact Experian to notify them, due to their automated phone tree that just hangs up on you.
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: Experian Information Solutions Inc. (FL)

I recently received a copy of my consumer credit report and i noticed payments posted on my credit report : XXXXXXXX XXXX under the account number XXXX. Your company is in clear violation of the law. Under 15 U.S. Code 1681b - Permissible purpose of consumer reports, THE LAW CLEARLY 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. Did i give you written instructions to furnish this account on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S. Code 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS -Except as provided in paragraph ( 3 ) the term : consumer report does not include- ( A ) Subject to section 1681s-of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. i demand a refund any alleged late payments that was charged and i demand you to Delete the above late payments from my consumer report this agency is in violation of 15 USC 1681.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX 30 days late XXXX XXXX XXXX XXXX 30 days late. XX/XX/2022 XXXX. Both card and they were paid on time. XXXX XXXX report been on my credit report over 7 years. It was never the correct balance this account should have been paid with the insurance but instead reported a higher balance. Not accurate and need to be removed off of my credit report