davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-22
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: Experian Information Solutions Inc. (NY)

I do not give your company permission to share, sell, release or report information derived from my consumer profile and that was derived from your data files within your systems. Reporting to affiliates or any third-party affiliates ( XXXX, XXXX, Experian ) violates my privacy. The information you have furnished is inaccurate and incomplete. I am a consumer who has been the victim of fraud. I have a fraud alert on my credit profile that was ignored by your company to issue credit. CRAs have a responsibility to protect the privacy of the personal financial information of their customers and consumers.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EGL US, LLC (TX)

This complaint is in reference to # XXXX. This loan was paid in full however, this is showing an active loan status with a balance. This information is incorrect. Please correct this information immediately. I've tried several times to have this address to no avail. I am being told I have XXXX accounts with BMG on my credit report. Please address this issue. The previous loan that was paid off, happened in XX/XX/2023. That was more than 4 months ago!!!
Consumer complaint received 2023-12-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (CA)

I hope this letter finds you well. I am writing to address a matter that has been of concern to me and has had a significant impact on my credit report. I recently reviewed my credit report and noticed that there are late payments reported for my accounts. 

SYNCB/CHEVRO XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or SYNCB/CHEVRO customer service I kindly request that you review my account and, if possible, remove the late payments from my credit report. I believe that this gesture would greatly help in repairing the negative impact on my credit history and allow me to work towards rebuilding my financial standing. 

If there is any additional information or documentation you require to support my request, please let me know, and I will promptly provide it.
Consumer complaint received 2024-03-29
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-09
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. (IL)

Despite several written requests, the following accounts are still reported as 90 days late in XXXX  and are in violation of Federal Law. I'd like to point out that XXXX and Transunion stated in writing that they verified that these items are being reported correctly? Who verified these accounts? I have attached Case ID XXXX, a detailed report from XXXX showing that the following accounts are not past due and were never 90 days past due : Creditor - XXXX, Last four digits of account numbers- # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, and # XXXX. Please update all of my Student Loan Accounts and remove the late payments.
Consumer complaint received 2024-02-28
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. (TX)

In XX/XX/2023 I did a reservation using XXXX to stay in a house in Florida for the amount of {$1900.00} and {$200.00} deposit for the property in case of any damages. On XX/XX/XXXX of 2023 the property owner charged my card for the amounts of {$1900.00} and {$200.00} And on XX/XX/XXXX of XX/XX/2023 they charged again {$1900.00}. days later when I noticed the charges, I called the property to ask them why they did that, they replied saying that it was an error and that they have already refunde the money to the card. I checked and it was not true so I called the credit card company to dispute the extra charge of XXXX They told me not to worry about it and that they will issue a new card and that they will investigate and so, in XX/XX/XXXX of 2023 credit card sent me a letter saying that they had issued a credit back to my account of the XXXX from XX/XX/XXXX of 2023 and they considered this matter resolved. The other {$1900.00} and {$200.00} I paid them to my credit card company on XX/XX/XXXX XXXX, the amount I paid was {$4900.00} ( I didnt like to carry a balance so I would pay my balance in full ) .Later in XXXX of 2023 my credit card was fraudulently charged multiple times so I decided to canceXXXX the reservation and because I was unable to get a response from XXXX or the property regards my reimburse for the {$1900.00} and {$200.00} I disputed the charges. The nightmare lasted several months until finally in XX/XX/XXXX 0f 2023 the credit card company issued me a credit back to my account. So I called them and asked them why they did not sent me a letter to notified me, they responded saying that they did. Which is Not true. so asked them when will I get my refund for the amounts that I have already paid to credit card in XX/XX/XXXX of 2023, they said that they did not owe me anything, that the only thing they could do was a to check the whole account and that wit will take them up to 3 weeks. Later I got an message saying that they did not find anything. I called them again and explain them and this time the charged me for the {$1900.00}, {$200.00} from XX/XX/XXXX of 2023 and also {$1900.00} from XX/XX/XXXX of 2023. XXXX ok now according to them instead of they owning me my money they want me to pay {$4000.00} XXXX. I dont know what to do everytime I call they have that attitude of like you cant do nothing about it, I do have screenshots of everything, emails and pictures. 
Please help me I just want my money back and everything back to. Or mal XXXX dont want my credit to be affected. Thank you Note I have a lot of pictures and emails and screenshots and a police report. If you need anything else please let me know. Thank Credit card info XXXX XXXX XXXX from city bank
Consumer complaint received 2024-03-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (OH)

We have large purchase payment plans setup with two credit cards we have with Chase. The stated interest rate is zero 0 % however on two of the payment plans, there are monthly fees assessed. We made larger principle payments on both cards with the intention of paying off those plans that had monthly fees assessed whereas leave the other zero percent plans that do not have monthly fees assessed with their balances. When we made the payments, Chase did not apply the payoffs to those plans with a fee as we intended so I called them to adjust those payments accordingly. They told me that it only applies the excess payments to the higher interest rate ( all of them are at zero % ) and then after that, it pays them down in chronological order. I complained that the ones with the fees applied is what we wanted to payoff and they said they could not adjust the payment to pay those off first. They said it was disclosed that way but I said that when any fees are applied, then that affects my APY which is my effective rate and that those should be applied first if all were zero % and not in chronological order. To me this is adhering to their disclosure but their payment system is not compliant to their disclosure.
Consumer complaint received 2024-01-30
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 dispute is improper use of my credit report showing two different amounts two different accounts they removed one but not the other the one for XXXX was there first then they updated it to XXXX improper use of my credit report by law and needs to be removed for it being an error on my credit report just like the other accounts I had the same issue with I will dispute this 109 times if I have too it's illegal and needs to be removed I have never seen an account thats open with a XXXX doller Ballance with a XXXX month contract the contract did not last for XXXX months so the contract would be void and needs to be updated to positive or be removed
Consumer complaint received 2024-03-19
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Westlake Services, LLC (NV)

I did not have access to my credit contract before signing it. not understanding the English language perfectly, the dealership just told me what I would have to pay per month and then made me sign the documents. Once home I notice that the credit score on the contract is lower than my actual credit score. I was not aware of the interest rate of the credit and it was once the contract was signed that I was able to see the final amount to pay. and I was surprised. The dealership made me take out insurance that I didn't need. with my poor understanding of the language I have subscribed to services whose usefulness I do not really understand.
Consumer complaint received 2024-02-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC. (OK)

Date : XX/XX/24 Dear Consumer Financial Protection Bureau : I am writing this letter to elicit your support in redirecting the collection efforts of NetCredit concerning a loan that was fraudulently obtained in my name. 

I have attached the relevant facts that were provided to NetCredit in a phone call on XX/XX/24 and in an email dated XXXX? ? XXXX. 

To date, NetCredit affirms that I am responsible for the loan that I did not authorize and for the funds that I did not receive. 

I am requesting your assistance in resolving this matter. 

Contact information for NetCredit : NetCredit XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX, XXXX My contact information : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX NetCredit account number : XXXX Attachments : Letter to NetCredit All attachments to letter to NetCredit
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: RentDebt Automated Collections, LLC (TX)

I owed RentDebt Automated Collections LLC a balance of {$680.00} from an old apartment. I paid this off months ago, and didnt know that it was impossible to get this deleted from my credit report. I am applying for an apartment that runs credit through XXXX and even tho this account pops up as paid in full, they refuse to approve me until it is just gone and doesnt pop up. I have contacted the creditor and they claim that it is impossible to get this deleted. I have no other housing options as this is the only place I have to live with a roommate who is already here. I wanted to try everything I can do to get this account taken off my reports.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

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 2023-07-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (TX)

I got a targeted mailer for a {$450.00} bonus w/ the following terms : XXXX $ XXXX within 20 days and keep the balance for the additional 60 days. I've attached a picture of the mailer to this complaint The account was opened on XX/XX/23. XXXX terms stated the offer doesn't expire until XX/XX/XXXX Additionally, I've attached the chat of the cs rep confirming I was properly enrolled.
Consumer complaint received 2024-02-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (PA)

Our Mortgage originated with XXXX XXXX. We had made additional payments to be applied to principal over the last several years. XXXX XXXX sold the mortgage to Mr. Cooper in XX/XX/XXXX. In XXXX Mr. Cooper sent us a letter stating that the mortgage was paid ahead to XX/XX/XXXX and did we want to pay it ahead or have those monies applied to principal. With that I called them immediately, ( Case Reference number XXXX ), and requested they apply all additional payments that were made to principal, that was on or about XX/XX/XXXX. I was told I'd hear from them within a week. After a week or more I followed up with them and was told my request was declined. I asked to speak to a supervisor on XX/XX/XXXX and spoke to a XXXX on the escalation team. She assured me this would be resolved and they'd get back to me within 3 business days. They haven't responded and now I'm being pushed from one person to the next without any resolution to the problem and no assurance that it would be corrected. Clearly, we never intended to pay the mortgage ahead, we always wanted those extra monies applied to the principal. Mr. Cooper sent us a letter in writing asking us if we wanted those payments applied to principal and we responded that we did, now they won't honor our demands to correct the mis-application of those payments, charging us XXXX XXXX XXXX XXXX XXXX in additional interest.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

Despite multiple attempts to address this issue, the fraudulent entries persist, posing a significant threat to my financial well-being and reputation. 

I am reaching out for the sixth time to request your urgent attention to this matter. It is imperative that these fraudulent items are promptly removed from my credit report to ensure the accuracy and integrity of my credit history. 

I kindly request an update on the status of my requests and urge you to prioritize the removal of these fraudulent items without further delay. Your prompt action is essential in resolving this issue and restoring confidence in the accuracy of my credit report. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Unpaid Balance {$16000.00} XXXX XXXXXXXX Balance : {$700.00} XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my second notice asking the following credit bureaus TransUnion, XXXX and XXXX to remove This is my second notice asking the following credit bureaus TransUnion, XXXX and XXXX to remove the following account : XXXX XXXX XXXX XXXX XXXX XXXX  account number : XXXX XXXX aka. account number XXXX aka : account number XXXX unsure why XXXXne account reports as three different names per consumer report with three different accounts numbers a different one on each report from my consumers report. 
Also remove all late payments attached with a XXXX  account and change the payment status to current because of the Care Act. Under 15USC 1666B this is a billing error always paid on time, this is an error, and this account is in violation of the Care Act.

Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate. from my consumers report. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.
Consumer complaint received 2023-06-20
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Aura Mortgage Advisors LLC (OH)

In XX/XX/XXXX I lost my job unexpectedly. Over the next XXXX months I spoke with my mortgage company about a loan modification once I was back on my feet and in a stable position. In XXXX we entered into a loan modification which was very odd. I had to make XXXX payments ( XXXX, XXXX, and XXXX ) before the modification was finalized. I set those payments up as online bill payments and they were sent to the mortgage company 's servicer ( XXXX ). In late XX/XX/XXXX I received Foreclosure Paperwork from the county court. This was a surprise to me as the payments had been send and the XXXX payment was due to be sent. I contacted XXXX immediately and received no real response other than they would look for them. I contacted Aura Mortgage in XXXX to attempt to resolve the issue with them as I was getting nowhere with XXXX. I offered to cancel the payments that had now been sent through XX/XX/XXXX and pay another way such as a wire. I have not received a response yet on that. I sent the online bill pay receipts showing the funds deducted and payment sent to XXXX on XXXX XXXX, XXXX and as of today I have received no response. On XX/XX/XXXX I filed a motion in XXXX XXXX XXXX XXXX XXXX for relief from judgement and to reopen the case. I would still like to work this out directly and have the modification done as agreed in XXXX. 

To date I've met my obligations per the signed modification paperwork, XXXX and consequently Aura hasn't.
Consumer complaint received 2023-06-15
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. (FL)

I am writing to express my serious concern over a failure by TransUnion to comply with the requirements outlined by the Fair Credit Reporting Act ( FCRA ). As per FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ), TransUnion is required to provide a description of the procedure used to determine the accuracy and completeness of the disputed information following a dispute within 15 days of the initial dispute. 

I originally disputed certain items on my TransUnion credit report on XXXX XXXX but up until now, I have not received any information outlining the method of verification used to affirm the accuracy of the disputed items. 

Given that TransUnion has failed to comply with this requirement within the prescribed timeframe, I hereby request, as per FCRA Section 611 ( a ) ( 5 ) ( A ), that the disputed items be immediately deleted from my credit report. 

As I understand it, the obligation to provide this information and to subsequently delete the disputed items in the event of non-compliance is not discretionary but clear statutory requirements under the FCRA. I kindly request your office to investigate this matter. I have attempted to resolve this issue directly with TransUnion, but my efforts have not resulted in any meaningful resolution. 

I am attaching the relevant documentation that includes copies of my dispute and the responses received from TransUnion, which do not include the method of verification. I have also retained legal counsel to further evaluate my options, as it seems my rights under the FCRA are being violated. 

Your prompt attention to this serious matter is greatly appreciated. Please do not hesitate to contact me via email or mail should you require any additional information or documents. 

Thank you for your time and consideration.