davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-04
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)

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

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 XXXXXXXX Have violated my rights.

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, also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681C. ( a ) ( 5 ) Section states no consumer reporting agency may make any report containing any of the following items of information, any other adverse item of information, other than records of convictions or 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.
Consumer complaint received 2024-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

This complaint is about an email received from Wells Fargo.com advising of the account name change, and changes. These changes are drastic. 1. I no longer have free money orders or cashier 's check. 2. There's a {$15.00} and $ 10 monthly service fee if you don't have direct deposit ( total qualifying deposits ) of {$500.00} or more. 2. {$500.00} minmum daily balance. 3. Primary account owner is 17-24 years old. 4. The account is linked to a Wells Fargo XXXX ATM Card or Campus Debit Card. 5. A qualifying monthly non-civiliam military direct deposit with Wells Fargo XXXX XXXX Banking program. 6. There's also a statement that says, '' Please note that the monthly service fee can no longer be avoided by linking a Wells Fargo Home Mortgage. It further states that they'll waive the monthly service fee for the first XXXX fee periods after XX/XX/year>. 

As stated the Noitice was sent via email on XX/XX/year> and mailed in the checking account statement. The checking account statement didn't highlight that there were changes to the account. The notice was included on the last page and at the bottom of the statement as if they want consumers to not notice the changes. I don't know how consumers will be aware of the account changes if they bank on-line, who only read the statement financial portion to determine the accuracy. 

This isn't fair. They need to at least provide better notification, give at least 6 months to 1 year before these changes go in effect. I have been a customer with Wells for over 40 years. I have a mortgage complaint and have never brought those complaints to your ( XXXX ) attention. Consumers need more time to search other institutions for a plan that will fit their needs.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

XXXX failed to comply with 15 USC 1681s-2 ( b ). XXXX is civilly liable under 15 USC 1681 ( n ) ( i ) A dispute letter was sent due to inaccurate information being reported and a reinvestigation of the claimed verified information from the furnisher. 

XXXX failed to conduct a reasonable procedure by their own industry standard of XXXX XXXX. XXXX failed the XXXX XXXX standard requirement to report the full XXXX a ECOA requirement code -37 which is a violation of code. ECOA requires the date of first delinquency to report the month/date/year, not just the month and year as being reported. 

XXXX failed to report the account type as credit card code 18. The account type being reported as charge off/collection which is not an account type. XXXX failed to report consecutive 24 months of payment history. Failing to report accurately presents willful noncompliance. 
In conclusion, XXXX has failed to conduct a reasonable investigation as required per 15 USC 1681s-2 ( b ) Due to your inaccurate reporting and failure to comply with 15 USC 1681s-2 ( b ), I received damages and harm due with a recent denial for a home loan. Because I was not able to secure a home loan, my family and I moved to temporary housing until I was able to secure permanent housing. My family and I also suffered a loss of days at work and school, moving expenses and losses of utility transfer fees and deposits. 

Therefore under 15 USC 1681n XXXX is liable for actual damages, {$1000.00} violation and punitive damages.
Consumer complaint received 2024-06-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (CA)

I have disputed a charge on my card since XXXX and apple/ Goldman sacks refuses to refund my account. i have disputed this same dispute twice. Once in XXXX and again in XXXX. I provided them with proof of everything. The company that billed me did not provide a service to me and Apple/Goldman Sacks reuses to credit my account. As a consumer i feel like i was robbed not only once by the merchant but also from apple/ Goldman sacks .
Consumer complaint received 2024-08-04
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. (OK)

This account was charge off on the following date Nobember XXXXSince then, the account has repeatedly been updated as charge- off every month.This is an update on the payment history.This inaccurate information falsely manipulates the status 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 : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX
Consumer complaint received 2024-06-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (FL)

This is a complaint against Shellpoint Mortgage Servicing concerning the mortgage escrow for my house at XXXX XXXX XXXX XXXX XXXXXXXX, FL. I am being overcharged escrow at {$660.00} per month. As a result, my mortgageis {$2800.00} a month. I want a refund for the overpayments and an adjustment to my monthly mortgage payments from {$2800.00} to {$2100.00} or less. When I inquired about my mortgage payment, which escalated from {$2300.00} to {$2800.00}, XXXX XXXX, Specialty Collections Consultant for Shellpoint Mortgage Servicing, provided the escrow table and stated in an email " It looks like there was an increase in your county taxes. '' Two of my mortgage payments have been put to the back of my loan because the escrow is so high. 

Attached are my XX/XX/year> mortgage statement, the Shellpoint Annual Escrow Account Statement, the XXXX  amortizationtables, XXXX XXXX property tax statement, and property insurance payment receipt. These documents will validate I am being overcharged by Shellpoint Mortgage Servicing. Below is thebreakdown. 

Yearly Payment Mortgage - Principal - $ XXXX Interest {$510.00} = {$1300.00} per month.Escrow Property Taxes - Property - {$1200.00} XXXX XXXX XXXXXXXX XXXX XXXX {$2700.00} Solid Waste Disposal - $ XXXX Insurance - Paid for the year at {$5800.00}. 
Current Monthly Mortgage and Escrow Breakdown by month Mortgage - $ XXXX = {$1300.00} a monthPropertyInsurance - $ XXXX months = {$490.00} a month " XXXX XXXX XXXX XXXX XXXX  XXXX XXXX months = {$230.00} a monthProperty Taxes - $ XXXX months = {$100.00} a month Current Total Mortgage and Escrow Per Month - $ XXXX Total Mortgage {$2800.00} {$2800.00} - {$2100.00} = {$660.00} overcharged I am being overcharged a minimum - {$660.00} or more per month
Consumer complaint received 2024-08-04
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)

I am writing to formally dispute the inaccurate and redundant reporting of a XXXX XXXX account ( account number XXXX ) on my credit report. This account is being reported twice : once as a closed credit card account and again as a collection account from XXXX, with a completely different amount. 
The presence of these two entries is redundant and misleading, and it is adversely affecting my credit score. I request that both entries be investigated and removed from my credit report immediately. In addition, I do not owe any funds to a XXXX XXXX XXXX and have received no correspondence with proof of a debt from them. This Collection should be removed immediately as should the XXXX account. It is illegal for the same debt to report twice on my credit report.
Consumer complaint received 2023-04-11
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: EQUIFAX, INC. (TX)

Hello, I am writing to dispute the accuracy of my credit report as reported by the credit bureaus. My name is XXXX XXXX, but the credit bureaus have listed my name as XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, which has caused confusion and errors in my credit report. 

Furthermore, my current address is XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, but the credit bureaus have reported multiple incorrect addresses. These addresses include XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX  XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX  XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 

These inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 607 ( a ) ( 1 ) which requires that consumer reporting agencies and furnishers of information to credit bureaus must ensure that the information they report is accurate and complete. Additionally, Section 623 ( a ) ( 2 ) requires that consumer reporting agencies must conduct a reasonable reinvestigation of disputed information upon request by the consumer, and must modify or delete inaccurate information. Furthermore, Section 623 ( b ) requires that consumer reporting agencies must block information that is inaccurate or incomplete from being included in the consumer 's credit report.

Moreover, the inaccuracies in my credit report have had a significant impact on my life. For example, I was recently denied a loan due to the incorrect information in my credit report, which has prevented me from achieving my financial goals. Furthermore, the multiple incorrect addresses have caused confusion and delays in my daily life, such as with receiving mail and packages, and have caused unnecessary stress and frustration.

Therefore, I am requesting that the creditor remove these unverified accounts from my credit report and take all necessary steps to correct the inaccurate information in my credit report. I am also asking for the enforcement of the legal requirements of the FCRA and the Fair and Accurate Credit Transactions Act ( FACTA ), specifically Section 114 which requires that creditors and lenders must truncate credit card and Social Security numbers on any receipts or documents they provide to consumers, in order to prevent identity theft, and Section 315 which requires that creditors and lenders must take reasonable steps to protect their customers ' personal identifying information ( PII ) from identity theft. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-24
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: AES/PHEAA (TX)

I had a student loan with AES and had paid on it for right at XXXX years. My loans should have been a part of a foregiveness program that the company ignored and I knew nothing about. I refinanced my loans because the balance was not going down, which appears I paid {$80000.00} in interest on and still owed the same balance from the beginning, and I went private because it seemed the only way I would ever pay these off. I did pay down more principle in XXXX years than I did in XXXX  years. Now that these companies realize the mistake they made, there is no help for me because I refinanced. This does not seem fair to me. 
I should have received this benefit and the only reason I am not is because I realized something was not right and refinanced. 

Disbursement XXXX Loan Program : XXXX Owner XXXX XXXXXXXX XXXX XXXXXXXX XXXX PHEAA XXXX XXXX XXXX XXXX Original Balance XXXX {$33000.00} Last Payment on this Loan : Date Payment Principal Interest Late Fee XX/XX/year> {$35000.00} {$35000.00} {$110.00} {$0.00} Disbursement XXXX Loan Program : XXXX XXXX XXXX XXXX XXXX  Guarantor : PHEAA XXXX XXXX XXXX XXXX XXXX XXXX : {$28000.00} Last XXXX on this Loan : Date Payment Principal Interest Late Fee XX/XX/year> {$30000.00} {$30000.00} {$100.00} {$0.00} As you can see the balance on the loans at the end was higher than the original amount disbursed after paying the loans for XXXX years.
Consumer complaint received 2024-06-24
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: CITIBANK, N.A. (NY)

I had a fraudulent charge for {$130.00} on my XX/XX/year> Citibank card bill. I called to file a dispute and they told me to pay the bill and they would investigate, which I did. They sent me a reimbursement check but added the amount back onto my account the next month. I have called several times with no resolution. Now i am being charged late fees and interest. When i call, they can never find my account and nothing is done except send me another bill. I did not order or receive what i was billed for in XXXX. They have offered no explanation of what they are doing and have no record of my numerous calls to them. Their security department has done nothing when i speak with them. I have called at least 5 times, spoken with supervisors, etc. Nobody knows or does a thing! Now with interest and late fees, the amount owed is about {$250.00}.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Law 15 USC 1681B, of the Fair Credit Reporting Act ( FCRA ) section XXXX makes it unlawful to report information without my consent. 
Additionally, XXXX XXXX Section XXXX mandates accuracy, fairness and privacy in the reporting of personal information. 
Under 15 USC 1692G, there are specific requirements for debt validation, also XXXX XXXX XXXX addresses the timing of payments Fair resolution to this issue would involve immediate removal of the information from my credit report. 
Failure to remove negative items upon dispute may result in a liability of {$1000.00} per item, as outlined in XXXX XXXX ( Civil Liability ) Give This Letter The Immediate Attention It Deserves.
Consumer complaint received 2024-06-03
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 am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

It seems that FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you please verify the documents? There are inaccuracies in the listed accounts, including incorrect amounts and dates.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My account with ATLCAPBKSELF, XXXX, XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( 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. 


XXXX, XXXX, XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-24
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: LEXISNEXIS (GA)

On XX/XX/year> I reached out to XXXX and have been filing dispute since then. I have sent in every documentation that they have request from me. I sent in a FTC report informing them that they are reporting fraud on my consumer file. They stated that the U.S. Bankruptcy XXXX verify that the bankruptcy is reporting accurate on my file. I went to the court house and obtained a letter from the U.S. Bankruptcy XXXX which stated that they don't report bankruptcy. I have contacted LexisNexis which is stated on XXXX website is their XXXX party vendor. LexisNexis ensure me it's no bankruptcy reporting on my file because it was removed due to fraud. This bankruptcy has been removed from XXXX and XXXX. I have filed over XXXX dispute with XXXX each time the come back as verified. I have contacted LexisNexis and had them file a manual dispute several times and each time XXXX is coming back less then XXXX  days stated that it is verified as accurate.The federal fair credit reporting act promotes accuracy, fairness, and privacy of information in the consumer reporting agencies. Consumer reporting agencies must correct or delete incomplete or inaccurate information. XXXX has failed to abide by the rules and the laws set in place for consumers. I have been fighting with XXXX for XXXX years to remove this inaccurate. I have send in all the documents that they have requested. I really need help! I am trying to purchase a home and this is hurting me. My next step I will be filing a statement of claim if I can't get this resolved with them.
Consumer complaint received 2024-08-04
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 am distressed that this Bureau has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 an 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 ) ( a ) 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. I request delete the not authorized hard inquiries below : 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