davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (CT)

This is a HELOAN. My monthly payment was always XXXX. I was late paying my taxes which Mr. Cooper paid part to the City. I paid this back and continue paying my real estate taxes to my City. In  XX/XX/XXXX I filed bankruptcy with a discharge in XX/XX/XXXX. During which time I never received statements from Mr Cooper, I made several calls asking why no statements, but got no justified answer. My outstanding balance owe in XX/XX/XXXX was {$1800.00} and in XX/XX/XXXX escalated to {$4700.00} even though payments made during that time exceeded {$9000.00} ( BLOCK OUT PERIOD ) The amount owe continue to increase. Now {$7000.00}. Mr cooper stop taking my regular payment in XX/XX/XXXX. I was told my account has been forced escrowed and was told by some staff this escrow will be removed since I am up to date and I have been making my Real estate tax payments. I FEEL THIS AMOUNT OWE IS INACCURATE AND MY PAYMENTS ARE NOT BEING APPLIED CORRECTLY. The HELOAN NOTE agreement has been violated. I have been charged late fees in excess of the agreement since XX/XX/XXXX ( fee should not exceed {$10.00} and at times was charged $ 20- {$45.00} ) until corrected in XX/XX/XXXX. I have been Charged 3rd party fees totalling {$490.00} and no one could explain why. 
My request to Mr. Cooper 1/ Please apply my HELOAN payments correctly so I can see what I actually owe dating back from XX/XX/XXXX. 
2/ Please Discontinue the escrow and return my excess payments since I was never notify of escrow.

3/ Please provide me with statement on my account XX/XX/XXXX to XX/XX/XXXX to verify what went wrong.

4/ Please refund me all unauthorized 3rd party fees charged.

5/ Please refund all late fees charged in excess of the agreed amount on the HELOAN Note agreement.

6/ Please make my loan corrected.
Consumer complaint received 2023-09-15
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. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$13000.00}
Consumer complaint received 2023-05-07
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. (TX)

Being directly affected by medical complications from XXXX XXXX, my great credit was affected with loss of job, work then XXXX twice. I fell behind on four creditorsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX card. Recently, regaining my life, I was able to call all my fault creditors listed above on XX/XX/2023 and made agreements to pay them off in full or negotiated a settlement. All negative reporting creditors, 4 above, were paid, closed and settled, I have agreement paperwork as proof. Since XX/XX/2023 each week my fico score has increased due to paying off my debt. XXXX, XXXX, XXXX, XXXX then XX/XX/2023 XXXX. All reported by experian. On XX/XX/2023 Experian reported my fico score now to XXXX without explanation. I owe nothing and paid all my creditors off, trying to get my life back. A notation of being directly affected by XXXX XXXX is stated on my credit report as to reasons why missed payments happened but now Ive paid all creditors. Also, experian reports two ( 2 ) same accounts, XXXX XXXX with original balance of {$9000.00} on my credit report with negative reporting but this is only 1 account, and their reporting it as two separate accounts with negative information. Completely false, untrue and incorrect. Ive tried several times in phone calls and disputes with experian but they ignore my request, continue to report XXXX account twice instead of once and now they are changing my fico score from XX/XX/2023 which was XXXX to now, XX/XX/2023 to a XXXX. Absurd, unethical and unacceptable. Theres no reason for my fico score to decline by XXXX points within 6 days when all creditors have been paid, satisfied and my fico score has gone up every week as updated information is done. Experian is hurting my ability to obtain collage financial assistance, housing and credit with this inaccurate reporting and refuses to acknowledge or assist me. Im trying to do the right thing, pay my debts and get my life back. Im XXXX XXXX old and they are making my life incredibly hard, hurting me in obtaining and trying to increase my credit back.
Consumer complaint received 2023-06-07
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. (KY)

I am writing this complaint with the help of the Consumer Financial Protection Bureau ( CFPB ) to dispute some fraudulent items I discovered on my Credit Report. After reviewing my records, I came across several accounts and information that I don't recognize and believe are not mine. While I'm not sure if this amounts to identity theft, I think it's important to address these discrepancies promptly to ensure the accuracy and honesty of my credit profile. I kindly request the assistance of the Credit Bureaus in investigating and removing the following unauthorized accounts and information from my credit file : 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 Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX  {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I want to assure the Credit Bureaus that I didn't open these accounts or give anyone permission to do so on my behalf. As far as I understand, according to section 605b of the Fair Credit Reporting Act ( FCRA ), it is the legal responsibility of the Credit Bureaus to promptly remove any unauthorized and unfamiliar accounts and information from my credit file.
Consumer complaint received 2023-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Albert Corporation (WA)

Albert took money from me XX/XX/XXXX of {$160.00} said that they were going to give it back to me on XX/XX/XXXX then changed it to XX/XX/XXXX and now I am still fighting with them to get my money back. Theyre trying to tell me that they can not put it back into my bank account that I have to wait for a check or I have to wait for them to put it into a different account.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

There are errors in this information about these accounts that are incorrectly reported in my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-07
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

Please examine the documents I've included. I'm requesting that the bureau launches an investigation into these accounts, as I have never been late in my payments, yet they are reporting me as such. It's unjust, given the effort I've put into ensuring I pay these accounts on time.
Consumer complaint received 2022-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

TRANSUNION NO XXXX XXXX XXXX XXXX  INQURIES STILL POSTED TO MY ACCOUNT. NEED XXXX XXXX  INQURIES REMOVED IMMEDIATELY AND A XXXX XXXX POSTED OF XXXX AND BETTER I ALREADY SUBMITTED IDENTITY THEFT REPORT
Consumer complaint received 2024-03-18
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. (VA)

XXXX Mailed a certified letter with Domestic Return Receipt to Experian. Experian sent an email stating that my Dispute was finished and to look online for the result. When I looked online the site said that the results were unavailable. I called and the report transferred me to the Fraud Department but they hung up on me twice. 

Experian is committing IDENTITY THEFT according to the definition in 12 CFR 1022.3 Definitions - ( h ) Identity Theft means a fraud committed or attempted using the identifying information of another person without authority. In accordance to 15 USC 1681b - Permissible purposes of consumers reports ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. Experian DO NOT HAVE MY WRITTEN INSTRUCTIONS to report the Hard Inquiries in question. As a matter of fact on XX/XX/XXXXI sent an Affidavit of Intent to Opt-Out of Experian. 

Without my WRITTEN INSTRUCTIONS Experian is committing IDENTITY THEFT.
Consumer complaint received 2023-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

XXXX Bank regarding my account for social security payments sent back to sender and lump sum payments SSI and SSDI never received.XXXX Fifth third bank, XXXX, Ohio XXXX never got IRS payments.Same with SSDI violations. Sent back to payee in direct deposit XX/XX/2023.
Consumer complaint received 2023-10-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I hired a landscaper to install a new landscape. He informed me he was licensed. He tore out my existing landscape. He requested {$1000.00}. A few days later he requested {$2200.00} to purchase materials. He made several excuses why the material wasnt delivered as promised. The material was never delivered nor did I ever hear back from him again. I filed a police report. I also contacted Wells Fargo Bank and reported the 2 XXXX transfers as fraud. They denied my claim several times. They also attempted to withdraw the funds from his account only once with no success.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating my account.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT 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
Consumer complaint received 2024-03-18
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)

This account was charged off on the following date XXXX of XXXX. It is also being reported on my report that the last payment was XX/XX/XXXX but the account was in good standing through XX/XX/XXXX. This account was also being updated and reporting as a charge off from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as if the account was still open and reporting inaccurately with XXXX which is also inaccurate and a violation According to XXXX XXXX XXXX XXXX, EXPERIAN, XXXX, and XXXX are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : EXPERIAN Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX Account XXXX : XXXX XXXX Account Number : XXXX XXXX  Account name : XXXX Account Number : XXXX
Consumer complaint received 2024-03-18
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. (AZ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-03-18
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. (NC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2018-09-12
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Since I last reported XXXX to the consumer financial protection bureau I haven't heard anything different from them. I have asked them on the last report as of XX/XX/2018 they haven't tired to provided me with any updated information according to what the bankruptcy letter stated. In the letter that was sent to them it states that according to the FCRA laws and guidelines, " Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature ''. As of now they don't have a direct line for you to talk to anyone all you get no is a recording instead of speaking with a live person.
Consumer complaint received 2018-09-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Exeter Finance, LLC. (AL)

This company has a fraudulent inquiry reporting on my credit file and I have called the company several times only to be left on hold or someone acts as if they will help me and then the phone mysteriously disconnects. All I want is a fair investigation as described in the Federal Fair Credit Reporting Act.
Consumer complaint received 2023-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

I had a trip delay on XX/XX/2022 and in XX/XX/2022, I filed a claim with Chase and XXXX which is their provider that handles their insurances and claims. I'm looking to receive reimbursement in Chase points ( XXXX UR points ) I used on a hotel stay I couldn't make because of the flight that was cancelled and the airline rerouted me making me unable to make it to the hotel. 

I have submitted all the documents required numerous times even after the claims agents have kept asking for the same documents I just provided. My claim was closed with no explanation last week, and when I called to check, the customer service agent was also confused on why it was closed and they said the claims agent would call me back. I received no call, and a week later, I find that my claim was closed again with no explanation. I am unable to speak to the agent who keeps closing my case and I don't know why they keep closing it after providing the necessary documents they need to provide proof that I used their credit card 's UR points for payment of the hotel. 

I believe that Chase 's features on their credit cards that use travel protections are fraudulent because their claims agents keep stringing along to prevent any kind of reimbursement to their customers.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

This is XXXX 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 2023-05-03
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-04-10
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. (FL)

PLEASE SEE ATTACHED!!! 

I was just looking at my credit report and found some errors relating to my payment history on some accounts. I have outlined and attached the following incorrect late payment below. Please fix these errors immediately and remove the late payments. If you are unable to do so, then remove the entire account since it is being reported inaccurately. 

Account name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/year>XXXX XXXX
Consumer complaint received 2024-04-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I've consistently made sure payments on this account are prompt, avoiding any instances of lateness. I find myself uncertain regarding the basis for late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fay Servicing, LLC (NY)

To Whom It XXXX Concern I was marked as 30 days late for the month of XXXX, XXXX by Fay Servicing. I believe this was done in error as Fay Servicing was experiencing a glitch in their online portal. I initially submitted a payment on XX/XX/XXXX, and yet on XX/XX/XXXX I realized that the funds were not withdrawn. I had to click several times for the payment to be submitted as there seemed to be a delay between clicking on the button and the processing of the payment. I believe the payment on XX/XX/XXXX wasn't submitted due to the fact that I had to click several times for it to go through. I am asking for a courtesy correction of the XXXX late reporting as it occurred due to a technical glitch, and I shouldnt be held liable for this technical issue In addition, Fay Servicing is a commercial loan, and shouldn't be reporting on my personal credit report! 


Please correct the above error or stop reporting this account on my personal CREDIT REPORT.