davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-22
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC (CA)

On XX/XX/23 I applied for a loan on uprova.com. The loan I was offered was for {$1200.00} at 34 % interest with monthly payments of just over {$100.00}. 

I didn't receive a contract to sign but instead got an email thanking me for signing, and shortly after that another email saying my funds were on their way. {$1000.00} was deposited to my checking account on XX/XX/23. When I signed in to uprova.com and looked at my loan document the terms were completely different from the loan they offered me. The document says the interest is 544.04 % APR with bi-weekly payments of {$210.00} and a total cost of {$3600.00}. I can't pay this and did not agree to it. 

I knew something was wrong and when I investigated online I discovered many class action and other court cases again Uprova and the parent company XXXX XXXX. I reported my experience to the Calif. Atty Gen'l. As I understand it, this kind of usury is illegal in California. 

The stress and time spent having to access legal aid and bank support, and the loss of sleep and migraines I've had for two days is, sadly, only compounded by the discovery that so many others have had this exact experience and have suffered so much financially and emotionally at the hands of these criminals.
Consumer complaint received 2023-05-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRIAD FINANCIAL SERVICES, INC. (PA)

On XX/XX/XXXX, I contacted the company to ensure they received my tax bill notifcation and was advised it was received. The tax bill was due XX/XX/XXXX. Subsequently, the lender never paid my tax bill and when asked they were looking into it- this was on XX/XX/XXXX. My taxes were XXXX as the company did not pay them until XX/XX/XXXX. When they paid the tax bill they did not pay all of the late penalty fees and now my tax bill is delinquent again and being sent to collections. I have reached out to XXXX with no answer to a solution to this issue..They have become unresponsive.
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: Experian Information Solutions Inc. (TN)

In accordance with the fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 statesI have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an a open and consumer credit plan as late for any purpose.

I kindly request the removal of unauthorized inquiries on my credit report 15 USC 1681b ( Permissible Purpose )
Consumer complaint received 2023-11-20
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. (VA)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed 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
Consumer complaint received 2018-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (TX)

I called Navient earlier this month requesting a deferment on my loans for a few months, because I am willing, but currently unable to keep up with student loan payments. The customer service agent informed me that she could defer my loans for me until XX/XX/XXXX without penalties ( besides interest that might accrue ), and that deferring my loans WOULD NOT have a negative impact on my credit score. I got an update from the credit bureaus XXXX and XXXX on Monday, XX/XX/XXXX that my credit score had dropped XXXX points. I opened my credit reports to notice that my Navient student loan status had been updated to " deferred ', which did in fact negatively impact my credit score.
Consumer complaint received 2024-03-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.
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: Experian Information Solutions Inc. (CA)

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 2024-03-21
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. (IL)

In accordance with the Fair Credit Reporting and XXXX XXXX XXXX, XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX , XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX has 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 : It also states a consumer reporting agency can't furnish a account without my written instructions.
Consumer complaint received 2023-04-23
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)

hey, I have been exposed to identity theft and have never had a contract or did any business with XXXX  or XXXX XXXX there is NO WAY THEY SHOULD HAVE MY INFORMATION! Someone gave them my information without my consent and now its on my consumer report and that is illegal.
Consumer complaint received 2018-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (TX)

XXXX reports that I was 30days late XX/XX/XXXX and XX/XX/XXXX, which is incorrect as outlined below : Payment due date was XX/XX/XXXX - payment was received and posted to my account XX/XX/XXXX - Payment due date was XX/XX/XXXX - payment was received and posted to my account XX/XX/XXXX. 

I have asked them repeatedly to remove the more than 30 day remarks as the payments were NOT 30 days late, which negatively effects my credit score. 

The account is current with XXXX balance. When I spoke with a resolution customer support individual at XXXX XX/XX/XXXX, I was told that there was no incentive to remove any derogatory remarks since the account had a XXXX  balance regardless if it was accurate or not.
Consumer complaint received 2018-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

I applied for a bank account with XXXX  on XXXX XXXX and was declined stating there were discrepancies on my XXXX   report. I knew that had to be an error because i filed for bankruptcy and every creditor was ordered by the judge to CEASE AND DESIST. I filed chapter XXXX bankruptcy with case XXXX  FL on XX/XX/17 and the case was discharged in XX/XX/2017. However, XXXX XXXX  is STILL REPORTING EVEN AFTER MY BANKRUPTCY. Each creditor is subject to up to {$1000.00} fine for violation of fair credit reporting act. Chapter XXXX   bankruptcy discharges all debt!
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I'am a victim of Identity Fraud. I contacted the Credit Bureau ( XXXX, XXXX, Trans Union and XXXX. To explain to them that I am a victim of Fraud and the numerous addresses, Phone numbers, social security numbers, alias and accounts reporting on my report were fraud and or don't belong to me. I provided police reports and requested them to provide proof that these accounts and information was indeed belonging to me. They never provided this information or deleted this inaccurate information.
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: EQUIFAX, 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has 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 : 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 2023-06-19
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: LCI Acquisition Inc. (MI)

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 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. (MO)

XX/XX/2023 Hello, This my final warning that have explicitly explained to you these items are not accurate and not complete and you have continuously keep reporting them.

Date of last activity Open Date Closed Date Account Status I wanted to follow up on the results received from you and the other 3 bureaus from my investigation, thank you for getting back with me within 7 days.

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. I had a lot of inconsistencies between the 3 credit bureaus with these accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that Transunion, XXXX, XXXX all verified the accounts above as accurate , but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation.

At this point, I demand you delete these accounts immediately. Please forward me an updated credit report to my address after you have completed your deletion.

Thank you,
Consumer complaint received 2018-09-14
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA (NY)

I am four years out of XXXX  school, with about {$190000.00} in student loan debt. XXXX   XXXX  cheated me out of my entire direct loan rebate in the following manner : Using XXXX XXXX XXXX online payment app on XX/XX/2018, I was for the first time presented with the option to " Target Specific Loans '' -- without any warning, fine-print or otherwise, of any potential pitfall of doing so. Grateful for the chance to target my highest-interest loan ( XXXX by default targets the lowest-interest loan ), I allocated my entire minimum payment ( {$240.00} ) towards that loan. In XXXX, I received the first of several letters and e-mails from XXXX XXXX, stating that I was delinquent, had missed payments, and therefore that my direct loan rebate was irrevocably lost. On XX/XX/XXXX, I made an extra payment of {$320.00} in an effort to make up any alleged delinquency, so that XXXX might restore my direct loan rebate. 
I called XXXX on XX/XX/XXXX, requesting that my XX/XX/XXXX payment be reallocated to remedy any delinquency, and that my direct loan rebate be restored. The XXXX representative advised me that he had succeeded in reallocating my XX/XX/XXXX payment, and that he would speak to his superiors about getting my direct loan rebate restored. On XX/XX/XXXX, I called XXXX again to complain that my direct loan rebate had not been restored. The representative told me that it could never be restored. 
I can not be the only student borrower who has fallen into this trap of attempting to target a minimum repayment to the highest-interest loan without any advisory from XXXX XXXX of the perils of doing so, and then irrevocably losing his direct loan rebate, even though he did not, in fact, miss a payment, pay late, or pay less than the minimum.
Consumer complaint received 2023-11-18
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. (GA)

On XX/XX/23 I wrote to all three credit bureaus, TransUnion, XXXX, and XXXX, to let them them know I know longer am giving them permission to report the account by the name of XXXX XXXX XXXX on my credit report. Well I just checked my credit report and it is still showing on my credit report for all XXXX bureaus. 15 U.S. Code 1681b ( a ) ( 2 ) states that - any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. Therefore, I am taking advantage of this law letting the bureaus know I do not give them permission to report this account on my credit report. I am including copies of the dispute letters that were sent on XX/XX/23 for proof.
Consumer complaint received 2018-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

i disagree with the last complaint they did not address the issue. XXXX XXXX has Not been reporting accurately to Equifax credit bureau.XXXX XXXX state theres a block from XXXX which is a different company from Equifax. XXXX as advised me they '' re not going to report my account anymore to the credit bureau, but at the same time state they reporting accurately.Equifax says they can not change anything on my consumer report unless XXXX XXXX update the account. The balance your reprting i owe is incorrect..the status they '' re reporting for this account is incorrect.I disagree with the accuracy, completeness of the following information as being erroneously included on my credit report, as i advised on more then two separate occasions, more than 75 days ago again 40 days ago. Under FCRA thats in Violation, to continue to report inaccurate information sec 809 ( b ).
Consumer complaint received 2024-03-21
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. (PA)

I have disputed with XXXX XXXX which is a debt collection agency which is a third party collecting on behalf of XXXX XXXXXXXX XXXX with the following credit bureaus Experian, XXXX, and XXXX. For the amount of XXXX. After I disputed the alleged debt it came back verified which I dont understand how they never sent me what I requested which was proof of existence of alleged debt, and the alleged original purchase agreement with the original creditor and signed by all parties involved never received anything I also sent XXXX a cease and desist letter on XX/XX/2024 and asked for the same information I received nothing for the past 6 months I have been disputing inaccuracy on my credit report of this alleged debt.
Consumer complaint received 2023-11-02
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. (FL)

It appears that my file has been compromised. I was going through my records & noticed account that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block account that is found to be opened due to identity theft. The dispute account do not belong to me. Please remove this account. 

XXXX XXXX
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. (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, has 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 : 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 2020-07-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ATLANTIC BAY MORTGAGE GROUP LLC (VA)

We were scheduled to close on our property in XXXX tomorrow, XX/XX/2020 with Atlantic Bay mortgage company. Our mortgage banker XXXX XXXX just informed that closing will have to be moved to Friday. She refused to explain what the reason was and blamed it on us pushing the closing date. When I spoke to the builder 's agent, XXXX XXXX, she informed me that XXXX had in fact forgotten to send us a disclosure document over the weekend and that I was supposed to have received it 3 days before closing. XXXX just confirmed to me this morning at XXXX XXXX  that everything was good for closing. The builder 's agent confirmed with all parties over the weekend that everything was good to go. We have hired a moving company, scheduled deliveries, and checked out of our hotel for tomorrow. I filed an online complaint with Atlantic Bay but received no email confirmation. When I tried to file a complaint over the phone, Atlantic Bay hung up on me every time I attempted to do so. I am disgusted by this unprofessional treatment. This company has terrible customer service and apparently incompetent staff.
Consumer complaint received 2018-09-14
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo Home Mortgage in there reply on XX/XX/18 about the California All purpose Certificate as there response I sign the document is not my signature as claim by Wells Fargo Home Mortgage Power of attorney is not my signature nor my printed signing. Futher more Wells Fargo Home Mortgage has yet to produce the proof of my signature to that document nor does Wells Fargo Home Mortgage been able to justify my signature. The document was sign by the Notary. I did not sign nor give consent to the Notary and was not ever giving or mail any copy of no California All purpose document. Wells fargo Home Mortgage wants to blame the media in which has nothing to do with my signature or documents forge by there notary as there agent. wells fargo home mortgage acted wreckless and has yey to prove by any legal means that is my signature in any way. all wells fargo home mortgage does is reply back with some lam excuse or blame game on some one else.
Consumer complaint received 2018-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 90 days late as of XX/XX/XXXX 90 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.