davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

On XX/XX/XXXX I started a dispute with Equifax ( Case # XXXX and XXXX ) for the removal of a XXXX XXXX from my credit report based upon it does n't comply with the new XXXX XXXX  reporting standards which went into law onXX/XX/XXXX. According to the new rules : Beginning XX/XX/XXXX, public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain minimum identifying information and be collected at more frequent intervals as follows : Minimum reporting of : ( 1 ) Name, ( 2 ) Address, and ( 3 ) Social Security Number and/or date of birth ; and Minimum frequency of courthouse visits to obtain newly filed and updated public records of at least every 90 days. 

The tax lien in dispute was filed on XX/XX/XXXX by the State of Georgia in the amount of {$4000.00} in the XXXX XXXX XXXX XXXX XXXX Georgia. I have provided a copy of this lien to Equifax identifying that it does n't contain the correct information to be reported on my credit report. The document fails to list my complete social security number and date of birth, which according to there above new rules requires the lien removed from my credit report. On a side note the lien has been released and is no longer in effect. I have successfully had this item removed my XXXX and XXXX based on these new rules. 

I have spent hours on the phone with Equifax and have had Equifax representatives tell me that the document does n't provide the correct information but they are unable to remove the item unless initiate a dispute to which I respond that I have already filed two disputes and then they respond with I have to file another dispute. Thank for your time by looking in to this matter.
Consumer complaint received 2023-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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 2024-03-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (DC)

I applied for the SAVE plan in XX/XX/2023, and the application is still pending. I also made a large payment of {$12000.00} in XX/XX/2023 before student loan interest was reapplied after COVID to lower my principal loan. However, they applied the entire payment to interest even though I specified it should be applied to principal. 
My XXXX XXXX  monthly payment was not adjusted after the large payment, and I was incorrectly told by Mohela that the {$960.00} payment amount was the IDR adjusted amount. My account was put on administrative forbearance while they process my application. However, during this administrative forbearance period while they recalculate my actual monthly payment, Mohela has continued to withdraw $ XXXX month from my account! 
Calls to Mohela have gone nowhere. I asked to speak with a more experienced customer service representative because even though the girl I was speaking with was friendly, she clearly did not understand what I was trying to explain. She explained she would not be able to transfer me as they were told to stop transferring to supervisors. After spending over 2 hours on the phone, I got nowhere. I have had to call Mohela several times, blocking off several hours each time to speak with someone. I have XXXX children under XXXX XXXX XXXX and work full time. This is nearly impossible for me to accomplish. 
What brought me to write this complaint is the worst mistake. I have been receiving emails from Mohela that my account is over 30 days past due, even though I have been paying MORE than I actually owe. I just had {$960.00} withdrawn from my account on the same day that I received a notice asking for me to call and make a payment. I have no idea how to resolve this issue and I do not have confidence in Mohela.
Consumer complaint received 2023-05-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (PA)

I notified this sender to say they're texting the wrong person but they continue to send these debt collector text messages and it is disconcerting and annoying and I'm very concerned that they're able to hack through our phone numbers, emails, etc. Something needs to be done. I continually received these, and other phishing emails and phone calls. I refuse to tolerate this.
Consumer complaint received 2024-03-20
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. (HI)

I am writing this complaint to EXPERIAN that I want to dispute specific records in my credit file that do not belong to me, and it had erroneous information, particularly in regard to a bankruptcy record. Please erase the false information that keeps harming my credit report. Kindly eliminate the accompanying records as they are false and were opened without my assent or information.
Consumer complaint received 2024-03-20
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. (MS)

The following inquiries were not authorized by me 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 have no knowledge of these inquiries. Someone has stolen my identity Accounts Affected by the Crime Fraudulent Auto Loan or Lease Company or Organization : There are multiple inquiries on my credit report XX/XX/XXXX XX/XX/XXXX {$0.00} Date fraud began : Date that I discovered it : Total fraudulent amount : Fraudulent Information on Credit Reports Credit Inquiries XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2024-03-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2023-09-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

Citi was supposed to give me a {$59.00} and a few cents in a dispute I won. On my call with them in the middle of XXXX, they said they would give me the credit in XXXX days. I called and the person said the supervisor forgot to approve the credit. Now 20 days later they want me to wait another XXXX business days for the credit.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, 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. (FL)

There are inquiries on my credit report in which I didnt authorize and is in violation of my civil rights please remove. 


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 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 2023-09-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIZENS FINANCIAL GROUP, INC. (AL)

I received a letter in the mail from a debt collection agency referring a credit card I didn't open or know about. I called the credit card company gave them my information and they looked through their system and verified I never had an account with the credit card company.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

These are all fraud and I did not authorize any transactions by this company ; whom I never disclosed my information and voice call to. I shall not be responsible for paying debt listed as this is error. Per FCRA all unverified and Fraudulent removedXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX Account Number Date Opened High Credit Credit Limit Terms Duration Terms Frequency Months XXXX XXXX XXXX Creditor Classification XXXX XX/XX/XXXX $ XXXX Monthly XXXX Date of Last Reported Update Balance Amount Amountt Past Due Date of Last Payment Actual Payment Amount Scheduled Payment Amount Date of 1st Delinquency Date of Last Activity Date XXXX XXXX. XXXX Reported Charge Off Amount Deferred Pay Start Date Balloon Pay Amount Balloon Pay Date Date Closed XX/XX/XXXX {$24.00} XX/XX/XXXX {$160.00} XX/XX/XXXX Status - Pays As Agreed ; Type of Account - Open ; Type of Loan - Secured Credit Card ; Whose Account - Individual Account ; ADDITIONAL INFORMATION - Secured Credit Card ; Fixed Rat
Consumer complaint received 2023-09-02
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: American Credit Acceptance, LLC (IN)

To whom it may concern 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 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 ar open end consumer credit plan as late for o 47.4K purpose.

532
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

I settled a charged-off credit account with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. Experian and XXXX continue to report late payments in the last 60 days on this account despite it showing the account has been satisfied with a {$0.00} balance. Both credit bureaus have reported late payments for XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. I have filed multiple disputes requesting this to stop. My credit score remains low because of this negligent reporting.
Consumer complaint received 2017-11-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account information incorrect
Company: NATIONSTAR MORTGAGE LLC (NY)

XXXX XXXX, XXXX On XXXX XXXX, XXXX, I received a response from NationStar Mortgage XXXX XXXX XXXX # XXXX. After further review with XXXX XXXX, we were advised that the account was settled in full on XXXX XXXX, XXXX, and that the credit report will be updated in XXXX XXXX. 

Upon information and belief, this meant the account would reflect account settled in full. The account today XXXX/XXXX/XXXX reads settled in full for less than the total balance. 

This is the second time I was advised the account would report to the credit bureau as settled in full. The first time was on XXXX/XXXX/XXXX XXXX XXXX  writes These payments will be posted to your account and will be accepted on the above balance as settled in full, with no future liability to you once completed. '' See enclosed document. 

The words used XXXX XXXX in their documents difficult for some consumers like me to understand. For example, the word settled for me mean the account is to be settled in full. with no future liability to you once completed said that paying a settlement amount would have no adverse effect on ones credit history. 

I was misled to believe having a settlement would have no adverse effect on my credit. It is important to note from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX I made payments every month. 
The simple words settled in full and the words added to the end of the sentence for less than the full balance '' to be a ray of sunshine for most consumers. 

Most consumers this would be followed by a conversation with XXXX what those words meant and allow for the consumer to make an informed decision as to how to proceed most welcoming. 

XXXX written words need to be explicit. The words " for less than the full balance in all necessary documents. The cost to the consumer for XXXX XXXX not to be forthcoming to be a seven-year- thunderstorm over the consumers head painfully. I would like XXXX XXXX Nationstar Mr. Cooper to update my credit as agreed on XXXX XXXX, XXXX, letter to say the account was settled in full. 
Kindest Regards,
Consumer complaint received 2024-03-20
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. (VA)

In the second week of XXXX I noticed that I had an unauthorized inquiry on my credit report from XXXX XXXX dated XXXX XXXX, XXXX. I tried to file a police report with my local sheriff 's office, but they told me that they lack the capacity to investigate credit fraud of this nature and told me to contact the bank where the inquiry was placed. The bank where the inquiry was placed told me I should call the credit reporting agencies directly and consider getting advice from my attorney regarding the Fair Credit Reporting Act. When going over of my credit report with my attorney, I realized there were two additional inquiries ( XXXX dated XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ) that were not authorized on my report and called Experian, XXXX, and XXXX to have the unauthorized inquiries removed. The reporting agencies instructed me to file a report with the FTC ( which redirected me to the CFPB website ) and then send them a copy of the report along with a copy of my driver 's license, social security card, and cover letter explaining the inquiry removal request.
Consumer complaint received 2018-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

This is a complaint regarding my Chase Freedom Unlimited Card in how a specific dispute was handled. A charge with the merchant " XXXX XXXX XXXX '' was disputed on my Chase Freedom Unlimited card on the basis of " Unsatisfactory Services Rendered ''. In Depth and comprehensive explanations with dates/times regarding this dispute can be found in the attached documentations submitted with this complaint. In summary, the merchant performed XXXX XXXX on my dog which XXXX XXXX   him. This is not only XXXX XXXX but also medical malpractice at its worst. My dog suffered a XXXX XXXX XXXX   due to this XXXX, which can be corroborated and factually verified through a statement provided by a fully licensed and practicing vet. I brought my dog to several different vets the following days after the XXXX XXXX occurred. 

XXXX XXXX XXXX XXXX, a Chase Executive employee handling this case stated to me that the vet " did not state that the XXXX XXXX was the cause of my dog 's XXXX. '' This statement by XXXX XXXX is 100 % false, a blatant lie, and a clear misrepresentation of the facts. In the SECOND letter written by the vet, XXXX XXXX, it clearly states that the vet, in his professional judgement, believes that the XXXX XXXX caused my dog 's XXXX XXXX XXXX XXXX. In MY SECOND letter, it clearly states that I brought my dog to XXXX XXXX 24 hours AFTER THE XXXX AT XXXX XXXX XXXX. 

As such, there is no ambiguity when it comes to exactly what happened. The second letter written by ME and XXXX XXXX, the licensed vet, is more than enough to establish guilt/wrongdoing on behalf of the merchant. I would like to state AGAIN OVER HERE, for the record, that I brought my DOG to XXXX XXXX APPROXIMATELY 24 HOURS AFTER THE XXXX XXXX TOOK PLACE AT XXXX XXXX XXXX. 

As all conversations are recorded, I have full verification of everything that was stated by XXXX XXXX and his attempts at defending the merchant when there is no evidence left to do so. Again, there is no ambiguity when it comes down to the facts and what took place. The vet clearly states, IN NO UNCERTAIN TERMS, that the XXXX XXXX was the cause of my dog 's horrendous XXXX. AGAIN, I BROUGHT MY DOG TO XXXX XXXX 24 HOURS AFTER THE XXXX XXXX  TOOK PLACE. This is also clearly stated within my second letter which will be submitted again, if necessary.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I purchased a car from XXXX XXXX XXXX, but they are no longer in business. A new company has taken over the loan XXXX XXXX. My credit report is reflecting that I have two loans on the same car. I have requested documents from XXXX and I have yet to receive documents.
Consumer complaint received 2024-03-20
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)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

The presence of these fraudulent details violates the regulations set forth in 15 USC 1681C-2. I am formally requesting the removal of these unauthorized and unlawful inquiries from my credit report. These deceptive inquiries not only provide an inaccurate portrayal of my credit history but also expose me to considerable risks concerning my financial stability and reputation. It is crucial to address this issue promptly to protect my creditworthiness and uphold the integrity of my credit report. Therefore, I am seeking the swift removal of these fraudulent inquiries to restore the precision and dependability of my credit profile.
Consumer complaint received 2024-03-20
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. (OH)

This account has been removed once before and they put it back on my credit report. I have already been in breaches and I thought you were going to protect my information from there. This is A defamation of my character because it is affecting my livelihood. Now me and my family are being impacted emotionally and mentally. According to 15 U.S.C and 1681 you have broken the law because these damages are fraud and I am trying to move forward.
Consumer complaint received 2018-08-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: RedBrick Financial Group Inc. (TX)

This loan was for my AC, the AC company explained the terms of the loan to me as 10 years, zero interest for 12 months, no payments due for the first 12 months, I called the company ( spoke to XXXX ) to confirm before signing the contract. She reiterated the loan would be 10 years and never mentioned a balloon payment. While signing the documents, I noticed some language about possible balloon payment, I asked the AC company if that applied to me and he said no, I signed the docs. The signed documents did not mention due dates, amounts, or terms/length of loan. I get a phone call XXXX my payment is due in XXXX and I explain that there is a mistake, I dont have payments due until next year. I ask the the agent, XXXX to confirm other details of my loan. She explained to me that not only is my payment due but my loan term is not 10 years but 5 years and I have a balloon payment at the end of the term. I told her that information was wrong because I was never told about a 5 year loan, nor about a balloon payment and that I was lied to by both the AC company and the loan company. I advised her I was filing a complaint as I was lied to and given false information.