davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: DISCOVER BANK (OH)

I have a string of emails about this.

The Loan Application people needed a huge list of documents, and had very particular specifications for what counted as a 'document '. I worked through all of that mess to deliver everything I could. They also needed a signed copy of the Loan Deferment I received from
Discover Home Loans ( the same company I was applying for a refinance with ) during COVID. That paperwork does not exist, but I didn't know that at the time, I just knew I did not have it.

I talked to several people several times in an attempt to get this info, and I have received several letters and emails about the 'ongoing ' process. One such email stated that the signed agreement does not exist.

But meanwhile, the Loan Application folks canceled and closed my application for 'failure to provide documentation '.
Consumer complaint received 2024-06-10
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. (GA)

ive disputed this fraudulent account XX/XX/year> ive attached a copy of the FTC FORM I DID WITH THE DISPUTE. NOW IM ASKING THIS COLLECTION COMPANY XXXX XXXX XXXX  TO PROVIDE itemized statement, THE AGREEMENT BETWEEN BOTH COMPANIES, THE CONTRACT WITH MY SIGNATURE.
Consumer complaint received 2024-07-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (IL)

This is regarding federal parent plus loans being services by Nelnet. These are fixed rate and fixed term loans. Twice now in the last 6 months they have increased the monthly payment due amount without my permission. As I understand a fixed rate/term loan the monthly payment is set at the time of origination. The lender party has no right to arbitrarily change the payment amount without the express permission of the borrower, and yet this is exactly what they have done. The first time they increased my monthly payment due by over 20 %. Now again they are increasing the amount by over 2 %. They originally provided a word salad response that completely avoided any justification for changing the terms of the loan. 
I consider this to be financial fraud.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by XXXX XXXX XXXX XXXX which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and XXXX XXXX  with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-04-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TX)

On the heels of paying billions in fines a few years ago for scamming people, apparently they didn't learn their lesson. Their latest grift is the 'extra day ' grace period. In reality, there is no grace period. You still have to cover any overdrafts the VERY SAME day because they count the extra day as the clock strikes midnight. In other words, they count the extra day when the clock goes from XXXX on the day the overdraft hits to XXXX. 

.
Consumer complaint received 2023-12-07
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. (TX)

I am writing to bring to your attention a concerning issue regarding a late payment appearing on my credit report. The late payment is associated with my account at XXXX XXXXXXXX XXXX XXXX and the report number is XXXX. I have taken several steps to rectify this error, but the issue remains unresolved. 

I provided Experian with a letter from XXXX XXXXXXXX XXXX XXXX  clearly stating that the late payment was an error on their part and should be removed from my credit report. I also requested Experian to remove the late payment, attaching the letter from XXXX XXXX XXXXXXXX XXXX  as supporting evidence. However, despite these efforts, Experian did not remove the late payment from my credit report. 

Furthermore, I initiated a dispute with Experian regarding the late payment. However, Experian responded by verifying the late payment, despite the evidence I provided. This has left me deeply concerned about the accuracy and integrity of my credit report. 

I kindly request your intervention in this matter to ensure that my credit report is updated accurately. Attached to this letter, you will find copies of the letter from XXXX XXXX XXXX XXXX, my correspondence with Experian, and any other relevant supporting documentation. 

I urge you to investigate this issue thoroughly and take appropriate action to rectify the error on my credit report. It is essential that the inaccurate late payment entry is removed promptly, as it is negatively impacting my creditworthiness and financial standing. 

I appreciate your attention to this matter and your assistance in resolving this dispute. I look forward to a prompt resolution and the restoration of an accurate credit report. Please keep me informed of any progress or updates regarding this dispute.
Consumer complaint received 2022-12-05
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. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I am writing this formal complaint against Experian for apparent violations of my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically related to privacy and confidentiality as outlined in 15 USC 1681. 

I initially contacted Experian regarding the following accounts, requesting a reinvestigation into their reporting accuracy : XXXX  Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXXXXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX  Account number : XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX My initial communication was sent to Experian on XX/XX/2023, and I have yet to receive a timely response as mandated by the FCRA. This lack of responsiveness not only represents a violation of federal law but also denies me the opportunity to review any supporting evidence demonstrating the accuracy of the reported accounts. 

I am particularly concerned about the potential damage to my creditworthiness resulting from Experian 's failure to comply with the FCRA 's provisions. As a consumer, I am entitled to the fair and accurate reporting of my credit information, and Experian 's actions have compromised my ability to verify the validity and precision of the accounts listed above. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter promptly and take the necessary actions to ensure Experian 's compliance with the FCRA. Additionally, I urge the Bureau to compel Experian to provide me with a copy of any evidence supporting the accuracy of the reported accounts in a timely manner. 

Enclosed with this complaint, please find copies of my original communication to Experian, along with any relevant documentation supporting my claims. 

Thank you for your prompt attention to this matter, and I trust that the Consumer Financial Protection Bureau will take the necessary steps to rectify these violations and protect consumers ' rights.
Consumer complaint received 2023-12-07
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. (MS)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX Account Number XXXX has never been 60 days late. Transunion is reporting this account inaccurately & failed to remove this tradeline.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

Experian has dropped my credit score by XXXX points as of XX/XX/2023. The reasoning stated for this is that my mortgage balance increased which if did not. Additionally, they are reporting a balance on a student loan with XXXX XXXX, which they are aware paid off because of the prior dispute in XXXX. in the XXXX incident, they listed the XXXX XXXX twice, listing it as separate account. 
In this instance and well as the prior, Experian is listing incorrect information. which the other reporting agencies do not. 
At this point it is my firm belief that their actions are intentional in an attempt to sell their monitoring services, as i have been offered these services as a solution following each incident.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (UT)

I filed for a charge back dispute with a merchant known as XXXX back in/around the week 1 of XX/XX/year>, however, Ally Bank has not resolved the issue and not provided a recent update. I spoke to a supervisor a few weeks ago and was advised that the dispute is still open even though my account says it's closed
Consumer complaint received 2023-12-04
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. (VA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX  **** Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2023-12-07
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-07
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. (TX)

It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MECHANICS BANK (TX)

Per the ( Privacy Act of 1974 ) need this account to be deleted immediately from all 3 credit bureaus ( XXXX, experian, XXXX ) that are reporting this to my credit! I have never given any written or any other consent for this company to report anything to my credit or for my information to be sold. ( 15 USC 1681B ) According to Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ''
Consumer complaint received 2023-04-17
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (PA)

FAY Servicing. Misleading and Diverting the Key issues THE SIN OMISSION IS THE WORST TYPE OF LIE. 
FAY APPEARS TO BE EXCELLENT AT IT. 

FAY APPEARS to have A LOT OF EXPERIENCE AND PRACTICE. 

-IT IS APPARENT YHEIR MAIN GOAL IS FORECLOSURE TO FLIP HOUSES QUICKLY -I BELIEVE THEY ARE BEGINNING TO BELIEVE THEIR OWN DUBIOUS ACTION. 
I think thy lost a class action Legall Suit for similar misleading, Misdirected Actions. 

-SUPPOSEDLY EVERY CONVERSATION IS RECORDING. I Still have the dates ; Time of almost Every Convention, and All levels of employees. LISTEN TO ALL THE RECORDINGS
Consumer complaint received 2023-12-07
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)

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, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI 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. Also, I demand that Experian shows proof that I gave my written consent for the accounts above to be reported if Experian can not do such I Demand these accounts be removed immediately.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NY)

I have a current credit card account with XXXX that I had for many years. The card, card balance, available credit, and payment history are not showing on any of the 3 credit bureaus ( XXXX, Equifax, and XXXX ). I reached out to XXXX and they said they have been reporting the card. I reached out to XXXX but they could not help me with any useful information and instead tried to sell me paid membership.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (NY)

I have a disputed this credit account with you before and it has been taking off my XXXX and XXXX reports but the XXXX reflecting on my XXXX and like I've said before this isn't that my account I have no knowledge of this account at all and it is already been taken off two of the three accounts with the bureaus I am extremely upset it's still on the one which it should not be and I am about to sue if it's not taken off immediately
Consumer complaint received 2024-04-08
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Orions Management Group, LLC (PA)

HELLO In regards to this debt collector by law 15 U.S Code 1692c ( c ) -If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer. I have spoken to the debt collector told them to stop contacting me and they still try by reporting to my credit report which in fact is still a form of commutation to me i ask for the CFPB to notify the debt collector to stop trying make attempts to reach out to me by mail, my consumer report or by telephone please and remove debt from my report by law stated above 15 U.S CODE 1692
Consumer complaint received 2023-08-02
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. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-08-20
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Avid Acceptance, LLC (IA)

The account that Avid Acceptance is identified as a repossession, yet they continue to report late payments. Since the vehicle is no longer in my possession, it would be impossible for me to default on payments after the fact. I have the right to an accurate credit file and discrepancies like this are unacceptable. Pleas immediately remove this account on its entirety from my credit file. 

A monthly payment should not exist after a repossession has occurred. 

{$15.00}