davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO Bank, N.A. (WY)

I have been contacting BMO bank since XX/XX/XXXX regarding incorrect distribution of my monthly payments on my RV loan. All of my payment is being made to interest for XXXX and XXXX payments. My loan was established at the time that BMO absorbed Bank of the West. I called the XXXX number on multiple occasions and was told it was a known issue during system transfer and it would be fixed. I called again on XXXX and I was told a ticket was submitted. On XX/XX/XXXX I was told it was in process and would take XXXX business days. In the meantime I made my XXXX payment and reviewed my account and the payment was split between interest and principal by the system. I called back on XX/XX/XXXX to find out when XXXX and XXXX would be corrected. I was told another ticket would be submitted. I called back on XX/XX/XXXX and the correction is still not made and the representative stated that no notes existed for my prior call on XX/XX/XXXX. The rep on XX/XX/XXXX resubmitted with XXXX case IDs which were provided to me and they are XXXX and XXXX. They are still telling me 3-5 business days and maybe someone will call me back. They also stated that initially payments go to interest. That is inaccurate. Any loan payment has the majority going to interest and a small amount to principal. Their system did the allocation itself in XXXX. Why is this not occurring for XXXX and XXXX? Also, they still have yet to provide me with a payment schedule for the life of the loan. I need to this to be resolved and my payment information to be accurate.
Consumer complaint received 2023-08-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NE)

Earlier this year my mortgage was transferred to Freedom Mortgage. On, or around, XX/XX/23 I noticed my weekly transactions from my banking institution ( XXXX XXXX XXXX XXXX XXXX ( XXXX ) ) were not being applied to my mortgage balance as they had with previous mortgage companies. These are {$75.00} transactions weekly from XXXX to Freedom Mortgage. 

On XX/XX/23 I contacted Freedom Mortgage inquiring as to why the payments were not posting to the account despite showing as transferred. I was told " When funds are received that do not complete a full mortgage payment, they are placed in " Unapplied Funds '' until we receive additional funds that would complete a full mortgage payment. The funds are then reapplied to the next mortgage payment due on the account. '' Over the subsequent several weeks and months I corresponded with Freedom Mortgage regarding this. I was finally advised that Freedom Mortgage has no mechanism to allow for partial payments to immediately apply to the principal of the mortgage. 

This terrible approach is resulting in **considerable financial loss** and wasted time on my end. It's imperative that Freedom Mortgage addresses and rectifies this issue promptly. The amount of compound interest being applied due to Freedom Mortgage being unable to handle the most basic of financial transactions is significant.
Consumer complaint received 2023-05-09
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: Experian Information Solutions Inc. (TN)

FRAUDULENT ACCOUNTS HAVE BEEN ATTRIBUTED TO MY FILE THAT ARE NOT MINE NEITHER HAVE I RECEIVED GOODS OR SERVICES FROM THESE FRAUDULENT ACCOUNTS AND INQUIRIES
Consumer complaint received 2023-11-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (MA)

I have disputed this debt multiple times. This collection company refuses to communicate and even classified this as a medical debt when I was originally told this was a utility debt. 

AFTER MANY FAILED ATTEMPTS I REACHED OUT TO MASSACHUSETTS FOR HELP XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX XXXX XXXX informed this company is classifying an electric account ( from what Ive been told ) as a medical debt and refusing to speak to Massachusetts. I want this fraudulent account off of my credit report.
Consumer complaint received 2024-03-29
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. (MI)

I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. In accordance with the fair Credit Reporting act XXXX XXXX XXXX XXXX I have 1 missed payment on XX/XX/XXXX date open XX/XX/XXXX, XXXX XXXX XXXX I owe {$4600.00} date open XX/XX/XXXX, XXXX XXXX XXXX I owe {$27000.00} date open XX/XX/XXXX, XXXX XXXX XXXX XXXX I owe {$18000.00} date open XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX late payments date open XX/XX/XXXX, XXXX XXXX XXXX XXXX late payments date open XXXX are not the Original Owners 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. 15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons. According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, XXXX, Experian, written permission to furnish these accounts.
Consumer complaint received 2024-03-29
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. (IL)

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2023-12-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (FL)

I have been a loyal card holder of Citi Bank Best Buy card since I got the card. I was paying my bills XXXX percent of the time. 
I was laid off in XXXX with money owed by the previous employer. Shortly unforeseen event where I has emergency medical expense that was needed to all be paid out of pocket. 
I contacted Citi bank to inform them the situation proactively and they basically told me no they dont care unless I start to miss payments. 
Once the unforeseen events started to effect me in addition to a passing in the family. I had no choice to start missing payments. 
They only email me on occasions and if they call never leave any message so unless I answer which only has been about XXXX occasions. I never know the called. 
My compliant is I can never get a hold of any one when their emails said to log in and chat with some one. 
I log in and try chatting in writing and never get a hold of any one. 
I just received another email few days ago telling me I need to pay before they send my account to collection. Again, waiting and waiting no one ever answers. I took screen shot of the chat for proof that I tried multiple time to informing them and no effort to work with me what so ever.
Consumer complaint received 2024-03-29
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. (CA)

I trust this message finds you in good spirits. I am reaching out regarding my recent examination of the credit report obtained from your bureau. Upon careful scrutiny, I observed the presence of reported late payments on my account. I have taken proactive steps to address and rectify any tardy payments, and I'm pleased to report that other credit bureaus have already removed these late payments from their records. I am curious about the discrepancy in reporting between your bureau and others. 
XXXX XXXX XXXX
Consumer complaint received 2023-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN HONDA FINANCE CORP (TX)

The thing I have payed for is not reported. Some collections are not correct. I once had an address on there with no linkage between me. Ive paid numerous bills and debt. Paid for two different credit agencies to fix credit problems. It was a rip off. My credit score should be higher than what it is. I pay all my bills. XXXX didnt give us our money back after false reporting we did not clean room. Which was not true. Ive lost unnecessary money, due to people negligent or not caring. I had just got my XXXX XXXX out of tow shop, for them to come get it. I had to pay for that out of pocket.
Consumer complaint received 2024-03-29
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 provided written notice to XXXX XXXX XXXX XXXX expressing that I wish to exercise my right to opt out of the sharing/reporting/sale of my non public personal information as it violates my right to privacy. 
See, Auto loan : XXXX, Account Owner : XXXX XXXX XXXX XXXX Principal balance : {$9400.00}. It is being reported to non affiliated third parties and I am requesting that such information be removed for these non affiliates, database. These non affiliates have stored this information shared it inaccurately, and have sold it. It has been reported incorrectly on my consumer reports with multiple different reporting agencies, and I now request that the CFPB preforms in its duty, to enforce my rights as a consumer. Per, 15 U.S.C. 6801-6805 and, 16 CFR 313.7 I am aware, You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. 
I am aware of, Continuing right to opt out. A consumer may exercise the right to opt out at any time. 
I am also aware of Duration of consumer 's opt out direction. A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically. 
Let this serve as notice of my request for OPT-OUT.
Consumer complaint received 2023-09-16
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)

Disputed specific accounts on my credit report and included a copy of my up to date drivers license, social security card and proof of address such as my XXXX bank statement. That all match equally, and further more was sent an email notifying me that they will not investigate, obligating me to use their " disputing tools and credit services '' which many come with a premium price that should not have to be paid in order to freely dispute.
Consumer complaint received 2024-03-29
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. (FL)

Under the guidelines of the Fair Credit Reporting Act, it is stipulated in 15 USC 1681 section 602 ( a ) that consumer reporting agencies must carry out their duties with fairness, impartiality, and respect for consumer privacy. XXXX, XXXX, and Experian are recognized as consumer reporting agencies, and I, as the consumer, have the fundamental right to safeguard my private information, as reinforced by 15 USC 6801, which mandates financial institutions to uphold customer privacy and safeguard their nonpublic personal information. XXXX XXXX, being a financial institution, falls under this mandate. 

As per 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies can only furnish a consumer report with explicit written instructions from the consumer concerned. Neither XXXX XXXX nor the consumer reporting agencies ( XXXX, XXXX, and Experian ) have my consent or written authorization to share this information. Any prior consent, whether verbal, non-verbal, written, or implied, is hereby revoked. 

Additionally, 15 USC 6802 ( b ) ( c ) requires financial institutions to inform consumers of their right to opt out of information disclosures to third parties. XXXX XXXX failed to inform me of this right, violating the law. 

Moreover, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse information in consumer reports without proper authorization, which they have done without my permission.

Furthermore, according to 15 U.S. Code 1681s2 ( A ) ( 1 ) and 15 U.S. Code 1681e, it is unlawful to furnish inaccurate information to consumer reporting agencies, and these agencies must maintain reasonable procedures to avoid violations.

Lastly, as per 12 CFR 1016.7, consumers have the right to opt out of reporting services at any time, and I am choosing to exercise that right and opt out of the reporting services provided by these agencies.
Consumer complaint received 2022-11-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NM)

I use an APP called cash app to receive money and send money to friends. 
I recently received XXXX $ that XXXX $ was directly removed from my account in multiple transactions that were unauthorized by me. I disputed the charges & cash app refunded me XXXX $ of that money but is denying to refund the rest of my money. I have prove of these fraudulent transactions and the disputes requested. Cash app has took the extra step to cancel my account instead of solving my problem.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (VT)

I had freezes in place at all 3 bureaus. I am trying to get a mortgage so I unfroze my file at each bureau several days ago. My accounts all say they are unfrozen. My mortgage broker is trying to access my credit report but keeps getting notified that my credit report is frozen at all three. 
Experian : File frozen due to federal legislation XXXX : Report frozen-consumer requested security freeze on his/her credit file-report unavailable XXXX  : Report frozen-The consumer has placed a security freeze or lock on this file I have spent many hours on the phone with customer service, speaking with actual humans, at all three bureaus. I keep being told that my files are unfrozen and they can't find any issues. XXXX did at least say that there was some kind of technical issue that they had to fix, but it was supposed to be fixed by now and still is not. 

I am about to lose out on an affordable home despite having great credit because these monopolistic companies are screwing me over. Now I'm lighting candles to XXXX XXXX for help.
Consumer complaint received 2024-03-29
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. (WI)

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. 

Account Name : XXXX  Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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.
Consumer complaint received 2023-05-10
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. (FL)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

The Bureaus are govern by 15 USC 1681, and they violated my rights numerous of times. I demand the accounts listed below be removed.

According to 15 USC 1681, I have the right to privacy and I did not give a written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (AL)

I disputed 3 transactions : 2 unauthorized for {$51.00} and {$72.00} from XXXX. These are international charges I have no idea who that is. International charges are forbidden on this card regardless. 

1 returned merchandise for {$320.00} that XXXX. I even gave Chime the credit slip. They refused to help me. The credit slip is attached. 

I have spent hours on the phone with Chime bank to no avail please help.
Consumer complaint received 2024-03-29
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. (GA)

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. 

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.
Consumer complaint received 2024-03-29
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WI)

Finding an error indicating a late payment on my account is distressing, especially considering my history of consistently meeting payment deadlines. This discrepancy is causing unwarranted anxiety, and I urge you to rectify the situation promptly by updating my records accordingly.
Consumer complaint received 2023-09-22
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 am unsure I why I am having this consistent problem with Experian, XXXX, and XXXX XXXX. In XX/XX/2023 I filed a complaint with XXXX reference # XXXX. After a thorough investigation, XXXX deleted XXXX XXXX from my credit report due to lack of verifiable proof, agreement with XXXX XXXX with my signature, and other reasons. I can't understand why Experian and XXXX are failing to do a proper and thorough investigation to come to the same conclusion to delete this from my credit report. Experian, XXXX, and XXXX XXXX are violating my consumer rights by federal and state law to include but not to FCRA ( 15 U.S.C. 1681s-2 ), FCRA ( 15 U.S.C. 1692g ), and Maryland State Law ( Maryland Consumer Debt Collection Act - Md. Code Ann., Com. Law 14-202 ). The company fails to provide verifiable proof of a signature contract/agreement with me, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX I have attached a letter that explains this in further detail to include a letter for CFPB, XXXX XXXX and a statement from XXXX.
Consumer complaint received 2018-02-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (FL)

DCI, forward correspondence stating I owe XXXX {$120.00} ; which I'm a current XXXX customer. I ask for billing information, to speecify my charges and what and how I owe. Yet, keep get new correspondences with my previous addresses.
Consumer complaint received 2024-03-29
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)

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. 

Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXXXXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

The glaring absence of tangible evidence validating its accuracy, along with the dissemination of unsubstantiated information, represents a clear breach of the legal framework delineated in 15 USC 1681i ( 7 ). This regulatory violation is not only disheartening but also frustrating, given the imperative for compliance. Thus, I strongly advocate for the expedited removal of this account in accordance with the law, unless sufficient evidence is promptly provided to validate its legitimacy. Failure to address this issue promptly only exacerbates the frustration stemming from the disregard for legal standards.