davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Mr. Cooper Group Inc. (MI)

In XX/XX/2023, I received an alert from my credit monitoring service that I have hit a milestone of paying off 20 % of my mortgage. I called my company and requested PMI to be removed and asked what I need to do to get this completed. They informed me that I still had more PMI until XXXX. Fine. Called in XXXX. Said again oh no got XXXX more payment. Fine. Call XXXX, told yes PMI is removed you are all set. Also chatted through online service. I keep tracking as my payment is due XX/XX/XXXX but nothing changes. From the second week of XXXX until XX/XX/XXXX I have called and chatted with some 7 times each person assuring me it is just a technical error, they told me my new payment amount and assured me that my account will be updated in 3-5 business days. They instructed me to make partial payment and submit the new amount due and the system would be fixed nothing will happen. I have now been charged a late fee and am worried that my credit will take a hit as they are not doing anything.
Consumer complaint received 2024-04-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have numerous credits pulls and inquiries on my credit report which is not authorized. XXXX XXXX XXXX XXXX XXXX and Transunion XXXX XXXX XX/XX/2022 XXXX and Transunion XXXX XXXX XX/XX/2022 XXXX and Transunion XXXX XXXX XX/XX/2022 XXXX and Transunion XXXX XXXX XX/XX/2022 XXXX and Transunion
Consumer complaint received 2018-08-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NY)

I have a 30yr fixed rate mortgage with CHASE Loan # XXXX. 
Sometimes I make payments that are more than the monthly payment due, with the hope that the extra amount I pay, will be applied the principal, and as such, I can pay-off my mortgage quicker and reduce my interest expense. 

When reviewing my statement, I noticed that in some instances, CHASE applied my extra payments to the " future amounts due '' Essentially they apply the amount to the interest that has not yet accrued. 

In some instances the amount applied to the " future interest '' is a few hundred dollars. 
I called them several times ( case # XXXX ) telling them to restate my payments and apply any extra amount to the principal, instead of the " future payments due '' I have called them at least three times on this issue, but no help and no reasonable explanation. 

I also send them the following e-mail through the corporate web-site on XX/XX/XXXX On my XX/XX/XXXX Statement, my outstanding principal was XXXX, and the amount due was XXXX/ Of those only XXXX was interest. 
On XX/XX/XXXX I sent the payment of XXXX USD, if you deduct the interest due at that time of XXXX, the rest of the amount, XXXX should have reduced my principal payment, for the next month. However the principal for the next month was only reduced by XXXX. 
XXXX USD. was not applied to my principal amount. 
Please review my account and credit the remaining amount to my principal amount as of XX/XX/XXXX. 

But nothing happened since then.
Consumer complaint received 2018-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

THIS IS MY SECOND TIME CONTACTING YOU ALL REGARDING THIS ISSUE. Incorrect and inaccurate information is being furnished on my credit report. I do not owe XXXX XXXX nor do I have an outstanding balance with them. see attachment as proof of inaccurate information.
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: EQUIFAX, 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. 

Account Name : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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 2024-03-20
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. (AR)

I looked at my report and noticed some things are incomplete and inaccurate I sent a letter to all 3 credit bureaus ( Experian XXXX and XXXX ) I asked them to investigate the completeness and accuracy. I received the results and noticed that they did not fix nothing. There are breaking FEDERAL LAW! 

According to 15usc 1681e ( b ) it states this ( b ) accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

So I then asked them to provide me a description of the investigation according to 15 usc 1681i ( 7 ) : ( 7 ) description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in a paragraph ( 6 ) ( b ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either. 

They also are breaking these laws as well below 15 usc 1681i ( 5 ) it states this ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall.. 
( I ) promptly delete that item of information from the file of the consumer or modify that item of information as appropriate based on the results of the reinvestigation and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer According to 15 usc 1681s-2 it states this ( A ) reporting information with actual knowledge of errors This is unfair and if they doing it to me imagine who else they are doing this too. Can please fix
Consumer complaint received 2024-03-20
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. (NY)

I am formally disputing and requesting the update of incorrect data from my credit report concerning late payments. It's crucial that these accounts are corrected to reflect the payments accurately and any erroneous information is rectified promptly. 

The late payments in question pertain to the following accounts : XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX 

In instances where delinquency is reported, I insist that the payment date be appropriately reflected to cover the delinquent period. Any reported late payment was rectified by making a payment within a reasonable timeframe. Therefore, I expect the credit report to accurately represent the payments made, without any indication of missed or late payments. 

Moreover, there is no remaining balance on these accounts that would suggest a missed payment. I have diligently met my financial obligations, and it is essential that my credit report reflects this accurately. The inaccurate reporting of late payments is not only misleading but also damaging to my creditworthiness.
Consumer complaint received 2023-04-11
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. (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. 

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, 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 2023-04-29
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. (FL)

Advised XXXX and experian that I have no knowledge of these accounts. Requested that they be removed within 30 days. The credit company 's failed to remove them. I spoke with XXXX on XX/XX/2023 and they removed the accounts as they were determined inaccurate accounts. I will attach a screen shot showing they were removed off my XXXX account. The other credit bureaus have failed to remove them.
Consumer complaint received 2023-09-28
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: TRANSUNION INTERMEDIATE HOLDINGS, 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. I told XXXX, Trans Union and XXXX to investigate this account. XXXX XXXX XXXX that starts with XXXX. According to 15 USC 1681. Section 602A states that I have the right to privacy, Also 15 USC 1681 section 604A section 2 states a consumer reporting agency can not furnace an account without my written instructions Also 15 USC 1681C section ( 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 conviction of crimes, which antedates the report by more than seven years.

15 USC 1681S-2 ( A ) ( 1 ) A persons shall not furnish any information relating to consumer to any consumer report an agency, if the person knows or has reasonable calls to believe that information is inaccurate.
Consumer complaint received 2023-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 states A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. I am a real person. I was not notified. My name is XXXX XXXX.
Consumer complaint received 2023-06-20
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (TX)

2013 XXXX proceedings ex took out a 2nd mortgage against the standing orders. I ended up selling the home and paying off his 2nd mortgage he took out. Iwas unaware of this. So unfair and wrong.
Consumer complaint received 2024-03-20
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. (CO)

If you persist in apparent disregard, noncompliance, or deficiency of substantial, satisfying, and/or otherwise evident proof of compliant reporting practices, I must warn you that this letter serves as my official notice prior to my likely decision to petition a civil court nearest me for a writ of review related to the aforementioned issues I suspect. Please be advised that I am the injured consumer of your unproven or inadequate reporting practices. As such, I am contesting the assumed, but actually very conditional, reporting privileges for any and all of your claims challenged within this consumer complaint. This declaration calls for your demonstration of authoritative, certifiable, compliant, lawful reporting that assuredly adheres to no less than the mandatory state and federal reporting mandates and statutes. My demand for your fastidious scrutiny shall categorically include, but not be limited to, your adherence to accords cited within the XXXX, FCRA, ECOA, as well as any and all applicable laws within my state, proven to be commodiously ample for illustrating your adequate statutory reporting occurred exactly as related to any claim purported by you in my report ( s ). Particularly concerning to me is if any or all of your claim 's aspects are alleged yet display potential deficiency, having plausible deviations from your obligatory utilized industry standards for legal, fair, and ethical reporting and did so with respect to a comme il faut status. Incontestably, your compulsion should be that of certifiable conformity to the Metro 2 Data-filled Field Formatted Reporting Standards, per XXXX! 

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5- day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-24
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: Nelnet, Inc. (CA)

On XX/XX/2023 my student loans were transferred from Nelnet to a different servicer, XXXX. These loans are still showing as being active with a balance due to Nelnet on my credit report but they are not, as they have been transferred to XXXX and as a result were fully paid on Nelnet 's end. Nelnet had not reported any updated information to XXXX credit reporting since then. I filed a dispute with XXXX and contacted Nelnet, Nelnet stated to me that this information was correct and they would send updated information to XXXX that would remove these loans from my credit report. They did not, instead they reported the balances as being higher than the last report and that they are still actively due.
Consumer complaint received 2023-07-21
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: Experian Information Solutions Inc. (FL)

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 2024-03-20
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. (FL)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (VA)

Every month, I pay more than the minimum payment on my card ( in smaller payments that add up to more of the minimum ) and every month, I am charged a late fee. I called and complained about it once and they told me it was something to do with the timing of my payments and took some fees off. I changed up the timing of the payments per their suggestion and I STILL get charged a late fee. 

Regardless of the timing of my payments, if the statement shows that I paid more than the minimum in the month that the statement is showing, I should not be charged a late fee. This weird " cut off '' is both hard to understand and seems like a way to trick people into getting late fees. 

I've attached my XXXX statement showing my minimum payment for XXXX was {$83.00}. I've attached the XXXX statement showing that I paid {$120.00} during that month and was still charged a {$41.00} late fee. It looks like they basically don't count XXXX of the {$50.00} payments towards the total payment for the month because of the " timing '' but that should not be the case, If the {$50.00} from XX/XX/29 isn't going to " count '' because of " timing '' than the {$50.00} from XXXX, should have. 

If the minimum is paid in a billing cycle, it should not incur a late fee. XXXX. How have they been getting away with this and how many thousands of dollars have they bilked from people this way????
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Ive been trying to get business funding but TransUnion and XXXX have false information on my credit report Ive contact the company about this situation and sent them proof and still no change has happened. I lost over XXXX  a XXXX in business deals already and wants this fixed or removed asap. I will attach images and highlight to show wrong information on report.
Consumer complaint received 2023-12-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XXXX XXXX XXXX  I checked my credit report and noticed that I had a few hard inquiries on my TransUnion credit report that I " Did not '' recognize. Upon further investigation, I never gave my written consent to TransUnion to furnish my credit report to the companies listed below. They did not have a permissable purpose... 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681i ( 5 ) i - Procedure in case of disputed accuracy ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and I want TransUnion to follow UNITED STATE 'S CONSUMER LAW. I NEVER GAVE MY EXPRESSED WRITTEN CONSENT FOR TRANSUNION TO FURNISH MY CONSUMER CREDIT REPORT TO THE ABOVE-MENTIONED COMPANIES ON ANY DAY.
Consumer complaint received 2023-10-29
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)

I recently looked at my full credit report and came across accounts that I never opened and wasnt aware of. I also notice the last four digits of a social XXXX on my report which I would like removed because it doesnt belong to me.