davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NJ)

Company - Experian On XXXX XXXX I sent all documents required for Experian to place security freeze on my child 's account ( since my child is a minor & I am his father ), they received these documents on XXXX or XXXX XXXX. I received a letter back on XXXX XXXX saying they didn't find any information about minor child using the info I provided. They did not provide any info about security freeze! 

I tried reaching out to Experian via phone but their automated phone line practically makes it impossible to talk to an agent and has no way of providing useful info on this topic, this is very frustrating!! I tried at least XXXX times to call their numbers and once I reached an agent who said they can not freeze the info since they cant find the file. However on their own blog they say they freeze it even if no credit file exists, see link below. Also other two bureau were able to freeze credit for my minor using the same info. I pointed both this out to the agent and this person disconnected in middle of the conversation. Their email support only supports XXXX and there is no XXXX XXXX email I found. I need to place security freeze on my minor 's account. My email is XXXX and minor name is XXXX XXXX XXXX, XXXX XX/XX/2019. My current address is XXXX XXXX  XXXX XXXX, XXXX, NJ, XXXX but for mailing address please use XXXX XXXX XXXX XXXX XXXX, NJ, XXXX ( since I will be moving here in a couple of days ) I am also providing last 4 of social for my child, DOB and name on next page on CFPB form XXXX XXXX XXXX
Consumer complaint received 2023-03-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (OH)

I Have no knowledge of this account, NATIONAL CREDIT ADJUSTERS, but it is being reported on my credit report. 

Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation!
Consumer complaint received 2024-05-25
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. (NY)

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. ( 2 ) Duty to correct and update information A person who ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-19
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: Select Management Resources, LLC (KS)

I was fired in XX/XX/year> with XXXX XXXX district due to car troubles as a XXXX. Additionally, I was hired by the XXXX XXXX XXXX, KS to work as a XXXX XXXX ; however, it did not materialize because my XXXX broke down. I made an agreement with XXXX XXXX of paying {$150.00} based upon receiving payroll from this job for the summer. I made her fully aware that this was only a summer job and that this was contingent based upon me working summer employment. 

XX/XX/year> I called XXXX XXXX with Loanmax and I requested an extension for more time to begin payment for the loan in XX/XX/year> because I start a new teaching job. I informed XXXX XXXX that the job did not materialize because the XXXX broke down and I didn't have transportation to travel to the summer job that I expected to work. XXXX XXXX, XXXX told me she can not make any changes to the new long agreement. She suggested that I voluntarily surrender the XXXX and I asked her..Why would I do that when I will have money to pay my loan off when I start my new job in XXXX. I don't agree with her asking me to surrender my vehicle.
Consumer complaint received 2023-03-03
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. (IN)

In accordance with the Fair Credit Reporting act the following accounts have violated my rights ; XXXX XXXX account number XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX account numbers XXXX AND XXXX 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 2024-04-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (GA)

I was notified by CITI Bank lawyer office, that I owed Citi Bank a debt of {$1900.00}. I had no idea what they were talking about! I knew it was fraud so I immediately called the police to report fraud. I was told by the officer that they will file the report at the XXXX XXXX Police Department. Once I received the lawsuit I called the police department to get the report they were suppose to file but to my understanding it was never filed at that time. I also called the company asking what was this debt all about. I let them know I never filled out any type of application for any funds or credit with their company. I also informed them that someone was using my SSN number, name with their company and it is FRAUD. They asked if I lived at the address they had on the application and on file. I said NO! I informed them that I have never lived at the address they have on file. 
I also asked how did they get my address and I was told they have their way of finding out where people really live. I have lived at my address all of my life and the only time I was ever lived away from home was when I XXXX XXXX, XXXX XXXX XXXX. I also asked if they ca provide me with the identification and signature that was presented to them to take out the credit or loan that they said I took out with Citi Bank. They ignored the question. I answered all of their questions and I thought it was over but a month later my father was served papers for me asking him was he XXXX and he stated NO he was not! Neither me or my father was Identified correctly by the company or the server. I don't know why the company did not investigate this issue honestly or thoroughly. There were no signatures or identification provided to me for proof. They provided only how much was borrowed. Not sure if XXXX is correct. They never gave me an opportunity to share the information to prove I was not the individual they were suing.
Consumer complaint received 2021-12-31
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. (TX)

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All inquires
Consumer complaint received 2020-08-06
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. (NC)

XX/XX/XXXX XXXX has been on my account since XX/XX/XXXX with false amounts of {$2400.00}, {$2700.00}, {$1300.00}. 

Us Dept of Education been on my account since XX/XX/XXXX with false amount 's of {$1300.00} on my report two times XXXX XXXX XXXX   system has been on my report since XXXX/XXXX/XXXX false amounts of {$7000.00} i never in my life made any payments on these loans, they were supposed to remove off my report and have not removed .They have multiple accounts on my report and have not removed any accounts have ignored my request, i want the accounts removed immediately
Consumer complaint received 2024-05-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (AZ)

I submitted refund request on XX/XX/XXXX ( both verbally and in writing ) for refund for payments totaling {$3000.00} made during XXXX - XX/XX/XXXX administrative forbearance period as instructed by Education Department for MOHELA 's failure to send bills to borrowers at least 21 days before the payment due date. MOHELA provided notification email on XX/XX/XXXX that any payments during the XXXX - XX/XX/XXXX administrative forbearance period they would have to refund, if requested, as result of failure to provide for XX/XX/XXXX billing statement at least 21 days before the payment due date. ( I will provide the XXXX MOHELA email along with my XXXX submitted requests for payments to be refunded ). I was advised at time of my request on XX/XX/XXXX, it would take 5-10 business days for update from MOHELA 's accounting team regarding processing of the refund. I have heard nothing from the accounting team as of today XX/XX/XXXX and 32 business days later. Every subsequent contact I have made ( XXXX XXXX ), I have been given made up timelines and that the refund has not been processed by MOHELA. I am requesting immediate processing of this {$3000.00} refund along with date refund has been submitted by MOHELA as they have been submitted all documentation for my refund request back in XX/XX/XXXX and have failed to process the refund as instructed by the Education Department for failure to send XX/XX/XXXX bill to borrowers at least 21 days before the payment due date.
Consumer complaint received 2024-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

On XX/XX/XXXX, I contacted Citizens Bank about a check being altered from {$1300.00} to {$12000.00} which Citizens cashed out of my business account. They said that they had contacted XXXX XXXX which was where the check was deposited and cashed, Citizens said they were waiting for XXXX XXXX  to reply to their inquiry but had not heard anything. It has been 7 months with no answers and this matter is hurting my business. 
I do not believe they contacted XXXX XXXX  about this matter and now I have asked for proof. 
It has been very frustrating to get any answers from Citizens other than they were waiting for XXXX XXXX to respond. 
Thisis my seconf complaint about this issue
Consumer complaint received 2016-02-08
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC (KS)

Nationstar Mortgage has not filed a release on a mortgage. I have tried to call several times to be told it is done ( county has confirmed it has not been done ), I have been hung up on and refused to be transferred to a manager. The loan was paid off in XXXX and is now out of compliance with the release guidelines.
Consumer complaint received 2020-12-15
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: OneMain Finance Corporation (NC)

In XX/XX/2020 ONE MAIN added inquiries on my credit report per XXXX XXXX. These inquiries were not authorized in writing by me. These inquiries were disputed and unsuccessful removed by the credit bureaus. According to the FCRA, ONE MAIN has violated my rights as a consumer And Im requesting legal action to remove these inquiries.
Consumer complaint received 2024-08-08
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)

To Whom It May Concern : I recently received a copy of my Credit report and I noticed some late payments on my credit report : XXXX XXXX - Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX  Account number : XXXX DEPT OF EDUCATIONXXXX Account number : XXXX Your company is is clear violation of the law. Under 15 USC 1681b permissible purpose of consumer reports, The LAW clearly states : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this to my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include _ ( A ) Subject to section 1681s_3 of this title, any _i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 



Thank you, XXXX XXXX
Consumer complaint received 2024-08-08
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)

To Whom It May Concern : I recently received a copy of my Credit report and I noticed some late payments on my credit report : XXXX XXXX  - Account number : XXXXXXXX XXXX XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX XXXXXXXX Account number : XXXX Your company is is clear violation of the law. Under 15 USC 1681b permissible purpose of consumer reports, The LAW clearly states : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this to my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include _ ( A ) Subject to section 1681s_3 of this title, any _i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

Dear Sir/Madam, I would like you to remove all the inaccurate and misleading information from my credit report. These inaccurate details have adversely affected my credit worthiness and hampered my chances of acquiring new credit. 

Under the provisions of the Fair Credit Reporting Act ( FCRA ), I demand that the following items in my credit report be re-verified and removed : XXXX is reporting incorrect information under my public file I have never filed bankruptcy the public information does not match my full name
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO. (TX)

I work XXXX XXXX  and been there 14 years on duty. While I was gone fulfilling my contract somebody has stole my identity none of the accounts on all three bureaus that earned in the negative not paid or really hurting my score they're not mine I wasn't even in the United States. I discussed with legal assistance and they have told me to disclose this is the last time I asked personally to please remove the stuff on all three of my bureaus that are negative. I've had no negative payments no loans that went bad no repossessions or problems with a rental property.
Consumer complaint received 2024-06-11
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation (FL)

One Main offers loans to desperate people at ruinous rates as high as 30 percent and then tries to entice people to borrow ever more money as their balance slowly creeps down. 

I had to refinance due to XXXX and want out of this business arrangement - I want to make principal-only payments in addition to my monthly payments. My monthly payments are {$120.00} and I want to pay {$150.00}, shortening my remaining term to three years with an early payoff. They make it very difficult to do this.

The company drafts my payment automatically at the same time each month. They refuse to schedule the same payment with principal-only payments. They require you to call in each and every month, wait on hold, and then make the payment over the phone only. Or, they say you can send a check, which requires ordering checks, getting stamps, mailing it, waiting a week to see if they got it, waiting another week for it to post if it didn't get lost - so every month, they get half a month 's interest while my interest-only payment meanders its way to them. 

I spoke with them today, and they refused to schedule these principal-only payments for the future as they do with my monthly auto-pay. They refused to let me schedule them myself online. 

This is a scam and they should offer the same capability to pay off the loan early that they do to simply pay it.
Consumer complaint received 2024-05-26
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. (CA)

Credit Bureaus refuse to investigate dispute for INACCURATE REPORTING on accounts listed in this complaint.

Furnishers are reporting differently to all three credit bureaus for the same account/tradeline, regarding the following categories. Date Opened, Balance, No. of Months ( term ), High Credit, Credit Limit, Past Due, Payment Status, Last Reported, Comments, Date of Last Active, Date of Last Payment and Two-Year History?

The Credit Bureaus then reports these errors, inaccuracies, and incompleteness on my credit report ( see proof credit report enclosed ). According to Fair Credit Reporting Act, 15 U.S.C. 1681 my credit report must be Accurate and Fair.
Consumer complaint received 2024-05-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (RI)

I have consistently made timely payments on this account, never missing a due date. I'm puzzled by the reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (IN)

My mortgage is with XXXX XXXX XXXX  and originated in XXXX. XXXX XXXX XXXX  states they have requested Experian Credit Bureau to report my loan information on/within their Bureau. XXXX XXXX replied via email " XXXX XXXX XXXX  has made multiple attempts to get Experian to start reporting your loan. XXXX reported your XXXX  XXXX bankruptcy reaffirmation to them in the proper time allotted, as we did with the other bureaus ; and they did not update your records. Eventually, this led to them purging your file. " This information is required to be a part of my credit history and credit score.
Consumer complaint received 2023-07-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I saw a car in XXXX of this year in XXXX and wanted to purchase it. The seller appeared to be overseas and wanted to communicate with me by email. I provided a phone number and an email so we can communicate. The car was located in XXXX. He sent pictures and sent several documents, which all looked legit. ( Copy of all the documentation has been given to the bank before ). I asked about the shipping of the vehicle, and the person, XXXX XXXX XXXX, gave me the following address. 
( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) and he said he would use the same shipping firm to ship the car from XXXX to the US. 
I agreed, and when I mentioned shipping time and transfer of the funds, he said the shipping would take about a month, and the shipping firm is acting like an escrow firm. They would keep the funds and release them to the seller once I receive the car here in the US. 
The scammers provided instructions for the XXXX transfer, and all the information came from the following website XXXX XXXXXXXX XXXX I handed them the instructions given to me at the CHASE bank location and asked how to proceed. The XXXX at the chase didn't even look at the paperwork. he did the XXXX  transfer without asking any questions. 

Here is the problem, We, as consumers, are not subject matter experts. We feel safe with bank instructions and bank suggestions. The instructions indicate that the bank officers look at this paperwork and ask us the proper questions. The bizarre fact is that this was a XXXX transfer from Chase to Chase here in the US. 

The bank employee doing the wire transfer didn't ask any questions. Have I been asked that this may be a scam? I would not proceed. I firmly believe that the bank is responsible for the mishap. Any bank would have XXXX XXXX XXXX for situations like this. CHASE wouldn't release the account holder on the other end, and I can not know who the scammers are. 
Delicate transactions like this happen daily, and banks are supposed to protect our funds. No one and I mean no one, asked me if this could be an illegal person. The instructions were given, correct but the bank must have instructions to stop situations like this and protect its consumers. In my case, the other XXXX account holder was protected since the bank would not release its information, but I lost XXXX $ for a mistake that easily could have been avoided if the bank had strengthened standard operating procedures.