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

Pursuant to 18 usc 8, I owe no debt, pursuant to 15 usc 1681 b ( 2 ) your agency also has violated my right to privacy by furnishing private information about me without any lawful authority or my written consent also your agency has no permission to report anything using my info pursuant to 15 usc 1681 ( 4 ) However your agency only go off the word of creditors & third party agencies which is another violation pursuant to 15 usc 1681 A ( E ) the following companies NEED TO IMMEDIATELY BE REMOVED FROM MY CONSUMER REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (NC)

I paid off my credit card balance online and selected the option to paid the balance in full on the XXXX of XXXX. Chase accepted the payment and processed on the XXXX of XXXX. On the XXXX of XXXX they charged interest in the amount of {$370.00}. 
How can they charge interest on a {$.00} balance? 
Charging interest and saying if was from a month prior is not right, fair, or being honest. That amount should have been included in the full balance when I selected the option on their website to payoff the full balance. 
They can explain all day long about how their system code works, but that doesn't mean that their system code is correct. 
As I see it, they should be charging interest on the day of the billing cycle ( which they claimed was from XX/XX/XXXX ). So, the interest should have already been included in the pay in full amount. Also, if they are going to provide an option to 'pay in full ', that option should include all interest and principle as of that day. 
Something is not right... I understand what they are saying about what their system code is doing, but again, charging interest on a {$.00} balance or balance prior to the payoff is wrong. They told me the billing cycle was based on the XXXX of the month, so the next interest wouldn't have been calculated on the XXXX. 
I called and talked to XXXX different supervisors and both told me that there is nothing they will do and that there is no one else to talk to about it.
Consumer complaint received 2024-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I received a Delinquent Tax letter from my county for {$6600.00} which includes Penalties and Interest. My current escrow balance is {$11000.00}. My mortgage company did not pay my real estate taxes.
Consumer complaint received 2023-09-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC (TX)

On XXXX/XXXX/XXXX, Gemini XXXX  froze my account for no known reason and sent emails but they did not give any reason why it was frozen and I can not withdraw my assets or make any trade. Account frozen, Ticket ID : XXXX
Consumer complaint received 2024-04-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (GA)

I was told by a representative at Credit Collection Services that if I pay the money owed for my account, they would delete the accounts completely from my credit report in 30 days. I paid the company in full for the account in certified funds on XX/XX/2024 and the account still appears on my credit report. This company made an agreement with me that they would delete the accounts from my credit profile.
Consumer complaint received 2024-04-11
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)

Despite multiple written requests, the unverified items listed below continues to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. This items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
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
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

The violation of 15 USC 1681 ( a ) ( 1 ) ( A ) refers to a breach of the Fair Credit Reporting Act ( FCRA ), a federal law governing the collection, dissemination, and use of consumer credit information. This specific section pertains to the responsibilities of consumer reporting agencies in ensuring the accuracy and fairness of the information they report. Violations of this provision could involve errors in credit reports, failure to investigate disputes, or improper handling of consumer information.
Consumer complaint received 2017-02-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Nationstar Mortgage Company failed to turn over all funds paid on my account by me to XXXX when Nationstar sold my account causing a shortage in my loan. I have included the XXXX Payment history, which demonstrates that when it received the loan I was 2 months behind. I modified my loan with Nationstar Mortgage in XXXX 2010. My payments commenced in XXXX of 2010. I am providing you my payment history which shows regular payments being made since XXXX 2010. I am providing you the documents showing modification and new payments due on XXXX 2010. 
The missing funds should be sent to XXXX immediately so that my account is brought current and principal and interest properly applied
Consumer complaint received 2024-04-11
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. (PA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They stated in their responses to my XXXX dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after two written requests is also evidence of their willful disregard of Federal Law.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Since the XXXX in XXXX of XXXX XXXX I have been bombarded on my credit report with inquiries numerous even in his last year I don't know what's going on but I've tried to pull my credit report I did have a freeze on it and a credit lock and yet I was notified again yesterday through a company of law firm that my medical has been breached through anthem XXXX XXXXXXXX XXXX XXXXXXXX XXXX and I'm just beside myself on where to start or how to handle any of this they are coming in from different inquiries from anywhere from mortgages XXXX XXXX anywhere from credit cards Bank inquiries you name it XXXX numerous I mean hundreds of inquiries this has dropped my credit score from the XXXX 4 years ago down to a XXXX I do know. That the IRS contact me that someone has filed XXXX taxes on me I went for a refund on my stimulus I can not get it because I have to prove my identity and wait a minute they took my identity now I have to fight to get it back this is really ridiculous on a woman that lives on a XXXX XXXX XXXX insurance check so please tell me what to do I'm ready to move forward on this I will try and pull my credit reports and have all this information so I can send screenshots I do not know please contact me on how to do this there's also I have had thousands upon thousands of fake profiles on me through XXXX XXXX XXXX XXXX XXXXXXXX this is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnd I'm done with it with the fake letters and everything coming from a fake XXXX XXXX XXXX XXXX XXXX I think you look his name uXXXX XXXX XXXX I have been evicted from my apartment due to being XXXX XXXX XXXX and not being able to get my XXXX till late I owe XXXX XXXX because I had to move from my state to another state my XXXX did not pick up properly so now after XXXXXXXX XXXX XXXX I owe XXXX XXXX XXXX XXXX I don't know what to do can not find the lawyer to take this I'm sorry but I don't have the money to pay out every month for a walk on my credit or freeze I think this is ridiculous for the poor people XXXX is where it all started at I couldn't even File a proper claim against XXXX due to being XXXX and they only wanted to pay for XXXX hours {$15.00} an hour this has been going on for almost 5 years they have shut down my XXXX XXXX XXXX account now they have got my credit union account which had been open for 42 years. So you seen it's not just one instead of one thing it's been a variety of things from the social media internet to XXXX to XXXX to XXXX you name it I have seen money moved like you would not believe behind the scenes trying to drag me in on these scams I won't do it please lead a XXXX XXXX XXXX XXXX with a woman on what to do thank you very much looking forward to hearing from you.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

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 2023-06-16
Product: Credit reporting, credit repair services, 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)

I downloaded my credit report on XX/XX/2023 and I noticed there are hard inquiries that don't have permissible purpose to be on there. I already reached out to Experian about this. Multiple times they keep violating my rights under 15 USC 1681b. I have attached the Hard inquiries that don't have no purpose to be on my credit report.
Consumer complaint received 2024-04-11
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. (MO)

I Have disputed Inaccurate information that has been placed on my Consumer report 12 times over a course of 2 years. The Credit Reporting Agencies are not Investigating. I Have filed 4 different Complaints with the CFPB. I have filed 3 different Complaints with the XXXX. I Contacted the Attorney General Filed complaints trying to get this problem resolved. 

The Three Credit Reporting Agencies are all Reporting Different Information. ( Inaccurate information ). 

I Do not have Signed Contracts with the companies. I Never gave these Companies Permission to report anything on my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, said All Accounts Were updated and VERIFIED. 

XXXX, XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXXXXXX XXXX XXXX # XXXX. 

XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXX XXXX can not show me how they verified these accounts with documents of the original contracts. therefore All INACCURATE AND UNVERIFIABLE. I DEMAND ALL 4 ACCOUNTS GET DELETED FROM MY CONSUMER REPORT!
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MS)

I have contacted this company in 3 occasions this year with the most recent XXXX XXXX,2024 via usps. I sent in notarized documents letting this company know that my name is XXXX XXXX. This company purposely put my XXXX  sisters name reporting to all credit bureaus. I sent my license in and notarized documents to prove my last name isnt XXXX. Yet this company from what I perceive insists on reporting inaccuracies.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IN)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) Account number : XXXX DEPTEDXXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account number : XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) Account number : XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account number XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Account number : XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number : XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

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 XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-11
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. (NC)

Upon examining my credit report, I came across inaccuracies that require attention. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the Experian and XXXX credit bureaus are obligated to authenticate these accounts. It is impermissible to label these reporting accounts as unverified without furnishing evidence within the legally prescribed timeframe. The erroneous information on my credit report that necessitates investigation and correction includes : XXXX XXXX XXXX XXXX : {$130000.00} XXXX XXXX Balance Owed : {$130000.00}
Consumer complaint received 2024-04-11
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. (NJ)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-08-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (IN)

I sent letters of dispute to I.C System INC in or around XX/XX/year> and XX/XX/year> for the amount of {$210.00}. I.C System INC signed for the letters on XX/XX/year> and the second letter on XX/XX/year>. I.C Systems did respond after the 31 day timeframe required by law. I received a response from I.C System INC stating that they had investigated my recent dispute and that they were unable to verify the information reported and have requested that any information provided to the credit reporting agencies regarding this account be deleted or removed from their records. As of this day, XX/XX/year>, the account still remains on my credit report and has not been removed.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

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 XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-30
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. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Closed Account : XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Advance America, Cash Advance Centers, Inc. (OK)

I am on a biweekly contract for {$85.00}. They have started taking $ XXXX for {$1800.00} and did not go off of the payment contract ending XX/XX/23. This is very illegal and they refuse to help me. They are blaming me saying its in default when they never contacted me. There was no schedule change and my original payment schedule still stands on their website!
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I am writing once again to express my bewilderment regarding the handling of the investigation into the fraudulent account on my credit report by your credit bureau. 

As you are aware, I have submitted the necessary FTC report to the Federal Trade Commission concerning this fraudulent accounts. Following this submission, both XXXX and XXXX have removed this account from their records. 

XXXX  XXXX XXXX.
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, 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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.