davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

The credit reporting company is reporting inaccurate information on my account. They are not following the USC 15 codes for consumers. I have called each credit bureau to have them look into the matter. I have asked for original documents for the items reporting on my account they never send them the just say that the account was verified. But as the consumer i am the only person who can verify my identity. The have refuse to remove and update any late payments which are also illegal to report. The can't legally give a consumer the choice to opt into an agreement and not the right to opt out. Legally medical records that are being reported without being verified by me the consumer. I have asked the companies who are reporting these items as well for them to be remove and they refuse to verify, i reported it to the credit bureau and was talked to very rudely and disrespectful. I have not been given any resolve and i should have a good credit score and it is keeping me from being able to live a good life and buy a house. This is defamation of character. They are reporting the wrong address, the have an employer listed who i never gave a written consent to review my personal information this is against the law. Please help.
Consumer complaint received 2023-02-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (WI)

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

In accordance with the credit Reporting act XXXX  Account XXXX XXXX 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.
Consumer complaint received 2023-02-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

This is an append to my previous complaint : XXXX - I am not satisfied with their poor answer and unprofessionalism to avoid all the problems that i have already raised around the issue. 
The HSBC financial institution didnt respond to all my concerns and the horrible customer service i have met along this journey. 
Here are a summary of why i am submitting new complaint : 1. The poor service of their customer services on phone and through the online chat 2. The ticket that i opened to get guidance on my issue, and no one did provide the feedback 3. The call of the manager that i did not receive as confirmed with the agent on call 4. During the process of investigation, i sent more than one email to someone called XXXX. She was sending template emails without answering my concerns. I need to escalate his unprofessional behaviour of using template avoiding to take time to reply in a customized response to my concerns. 
5. The wire transfer didnt work before and they are not even aware of this issue in their response. They confirmed the contrarily 6. The time, efforts and money that i lost because of the above poor performance client service Please i need to re-escalate this complain to re-investigate again these pending issues
Consumer complaint received 2023-02-13
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: Experian Information Solutions Inc. (FL)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2022-10-17
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. (PA)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other 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 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 2023-02-13
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. (TX)

I am having a difficult time getting XXXX, Transunion, and XXXX to remove an account that they are inaccurately reporting. I have sent many dispute letters to XXXX XXXX of no avail. They are reporting that the account XXXX XXXXXXXX XXXX  XXXX was late 2 times and eventually charged off. This is not true. During 2020, I was on deferment due to covid so there should be no late payments according to the FCRA. I am asking that the credit reporting agencies remove the account from my credit report or update the account to paid as agreed never late, removing all late payments for their negligence. I am aware that I can be compensated up to {$1000.00} per violation, but at this time I am only interested in the deletion of the inaccurate information to reflect my true credit profile as this is causing me extreme distress. I do look forward to a response within 15 days.
Consumer complaint received 2023-02-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (CT)

Subject Line : Sallie Mae Told us to DEFAULT on our Student Loans Yes you heard that right. For months we have been trying to find a solution to simply lower our payments. And have our student loan payments be based on income. As a teacher, putting yourself through school solo while working XXXX jobs is hard enough. But when the repayments start and the payments are MORE Than the salary, more than the income that is brought home, it becomes mind blowing. XXXX even moved him and his family into his camper to save money JUST to be able to afford these ridiculously high payments. 

For months - we have been reaching out to Sallie Mae for options lowering interest rate, lowering monthly payments so they reflect a proper income ratio. Weve looked to refinance, remove the co signor so the co signer could help in other ways, written letters, soundless hours on the phone, escalated through the XXXX and XXXX XXXX, AND was even featured on the news. Sallie Mae is unwilling to help. And this week told us the only way we could lower payments is to STOP PAYING THEM, DEFAULT on our loans, and eventually our paychecks would start being garnished and then they could find a lower payment solution. 

Yes you read that right. They want us to mess up our credit, obtain embarrassment and stress, not be able to get a mortgage, screw up our credit, our working relationships and more, instead of lowering our payments or interest rates. OR consolidating all of our loans into XXXX. 

To summarize, weve exhausted all options. 
Rate reduction Payment reduction to be based on income. 
Consolidation Teacher credit or consideration XXXX XXXX XXXX XXXX XXXX XXXX XXXX  within XXXX XXXX I'm at a loss. They literally moved into a camper because their Sallie mae payments are so high. They just want to lower the payments to be able to afford rent on their salary. They've been on the news, link below. No one at Sallie Mae will help them. They've been predatory, rude, unhelpful. Set them up to fail. Bait and switched them on the loan. They are simply looking for lower monthly payments so they can afford housing. And find ways where Sallie Mae stops raping innocent people like them who give back to the community day in and day out. 

Can you assist me on I can speak to? A rational person that may be able to help? Someone who could even point us to a stable refinancing option with a lower rate or consolidation option based on his salary? A teacher who gave his life for kids, and this is how the country repays him, by forcing him to live in the woods, not helping him, and telling him to ruin his credit. 

XXXX XXXX XXXX : XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Loan under XXXX XXXX
Consumer complaint received 2023-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2023, a fraudulent transaction was posted to my account that caused my account to go negative. I reported the charge as fraudulent the same day. After reporting the charge as fraudulent, Chase informed me that a temporary credit would not be applied to my account for 10 days. I literally have no money until the temporary credit is applied.
Consumer complaint received 2023-02-13
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: Designed Receivable Solutions, Inc. (AL)

I have reached out to this company no less than three times. They have failed to provide proper validation, and continue to report the account in error. Account number is reported with symbols. Account status is not in compliance. It has not been 12 months since the original date of service. This is considered a HIPAA violation, as I gave neither party permission to share my medical records. Both of these accounts have the same account number, and are reporting twice. Surprise billing act has also been violated.
Consumer complaint received 2018-04-13
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: Experian Information Solutions Inc. (CA)

You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened in 2016 - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of {$1000.00} per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.

In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( Experian, XXXX, XXXX ) or you should expect an intent to sue in the mail, because I will have to choice but to take legal action.
Consumer complaint received 2023-02-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

My complaint is against Wells Fargo, Home Mortgage. In XX/XX/XXXX, at the end of the forbearance period, I verbally requested the deferral option. XXXX has refused to grant me the deferral option I chose to exit the Covid forbearance period. I requested help from XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX  ), a HUD-certified housing counseling agency , and they wrote a letter of advocacy to Wells on my behalf. In the letter, XXXX pointed out that I could choose the exit option to the forbearance period. 
In the letter to Wells on my behalf, my HUD Certified Housing Counselor cited " NY Banking Law under Title 9X Mortgage Forbearance. " Senate Bill 8428 2020 N.Y. Laws 126, as a reason I should have been granted the deferral option. 
In response, XXXX seems to deliberately misrepresent my request for the forbearance exit with a request for delinquency assistance. They further stated without indicating a reason, that I was not eligible for a deferral as a forbearance exit. 
In XX/XX/XXXX, I resumed making payments based on my belief that the deferral option I asked for was in place. I noticed those payments did not appear to be applied to my current balance ; I sent XXXX my forbearance option request in writing on XX/XX/XXXX. In XX/XX/XXXX, XXXX returned my monthly payment, indicating that they would no l longer accept payments from me and that my home was now in foreclosure. 
I am filing this complaint as in a follow-up call XXXX seems to feel that a private owner of the loan has the right to deny the option I chose, and that right supersedes the law.
Consumer complaint received 2023-02-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (MD)

My nephew purchased a vehicle in Alabama on XX/XX/2023. I reached out to Credit Acceptance Corporation, the finance company on XX/XX/2023, to make a formal complaint regarding the predatory practices regarding the purchase and loan. My nephew and I received both a telephone response and a letter on XX/XX/2023, after the company 's review of the complaint. In the letter, my nephew and I were told that the review showed that by signing the contract my nephew agreed to all statements listed within the contract. The issue with the loan contract was based on fraudulent information received from the car dealership where the car was purchased. First and foremost, my nephew did not have a valid driver 's license when purchasing the car which prohibited him from being able to obtain the insurance required for the loan. Second, the insurance listed on the loan application was provided by the dealership, XXXX XXXX XXXX XXXX, and, not my nephew. The salesman at XXXX XXXX XXXX XXXX called and secured a fraudulent quote from XXXX XXXX without my nephew 's approval. This information was then provided to Credit Acceptance Corporation as proof of insurance ( and inferred proof of driver 's license ). I sent Credit Acceptance Corporation a copy of the quote sent to me by the salesman with his handwritten notes regarding the insurance information. Credit Acceptance Corporation also reviewed this information and after their review telephoned me with their response stating that there was not enough information to discredit the car dealership and that my nephew must adhere to the signed loan contract. I continue to believe that this entire process was predatory and feel that XXXX XXXX XXXX XXXX and Credit Acceptance Corporation have engaged in dishonest practices and possible coordination.
Consumer complaint received 2023-02-13
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: WELLS FARGO & COMPANY (MN)

My WF Visa credit card information was stolen and {$2300.00} fishing depth finder was purchased with it. The item was shipped by XXXX to my home where someone else signed the name " XXXX '' and the XXXX driver gave them the package. The item was ordered with an a XXXX  account using my full first and last name, that is not my email address. My name is not XXXX and I was not home when the item was delivered. I have opened a police report to investigate this fraudulent purchase. Wells Fargo denied my claim and my appeal.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I have been contacting Experian for about XXXX years to correct a minor error in my current address, through multiple phone calls and postal mails. They acknowledged the mistakes every time, agreed to fix them, and processed them in the dispute center, but the issue was never truly resolved. This back-and-forth process has occurred about XXXX times over the past few years, which is entirely unacceptable.
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

My name is XXXX 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 2024-03-07
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)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2023-02-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

So I sent a letter off on XX/XX/2022, to remove personal information that I do not want on my credit report. Here is my tracking # XXXX. 
According to the fair credit reporting act 12 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 
These are clear violations of my my federally protected consumer rights.
Consumer complaint received 2023-02-25
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)

in accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2022-10-26
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: EQUIFAX, INC. (NY)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/XXXX XXXX
Consumer complaint received 2023-02-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (CO)

Received notice that monthly mortgage payment would be increasingly significantly beginning in XXXX. I switched insurance and cancelled existing policy bringing down the insurance premium. I am currently paying the new insurance out of pocket. I am going on XXXX months of trying to reach customer service and the insurance department of Fifth Third Bank without any success to resolve insurance and escrow discrepancies.