davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (WY)

We have been struggling with our mortgage company and its servicers for 8 years. We have attempted numerous loan modifications, settlements, and uncovered improper loan securitizations on their part. We are hoping for a resolution. On XXXX XXXX, 2016, I received a certified letter from XXXX XXXX XXXX with a notice of foreclosure. The first newspaper publication is scheduled for XXXX XXXX, 2016. The same letter lists the information that the statute requires a 10 day notice before the first publication. As you can see, we 've only been given an 8 day notice before the first newspaper publication. 
Thank you.
Consumer complaint received 2017-05-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On  XXXX  purchased  XXXX  products for shipping only.  XXXX  for {$5.00} and the other for {$5.00}.    XXXX   XXXX   Received cr edit card bill on  X/XX/17   , opened statement to review charges. Found the above charges and tow additional charges I did not agree to. They are :  XXXX  FOR {$92.00}  XXXX  FOR {$92.00} On  X/XX/17   , I called the credit card company and the company of the products. I was told I could not have my money refunded because I did not call within the 14 day free trial period. I told them I did not agree to this. I was told I did agree to this when I clicked the " By clicking below I agree to the terms and conditions and am  18+ y ears old. '' However, I never saw any terms and conditions. The terms and conditions did not have a link to go to to read the terms and conditions. However, the credit card company and the products company refuses to refund {$92.00} and {$92.00}.
Consumer complaint received 2023-04-11
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. (CA)

I am a victim of identity theft and am being harassed by collection agencies constantly calling me. The following information is what i have found on my credit report that is not mine! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-13
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: EQUIFAX, INC. (SC)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 2023-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Grow Credit Inc (TX)

I would like my derogatory remark removed. This account is are misreporting on my credit report. This account does not belong too me. The date that this open was opened was XX/XX/XXXX. The amount is for {$60.00}. I have reached out to this creditor multiple times that this debt is not mines. I never lived at the listed address and I never had service with this company. I have provided police report as well. The creditor stated to me that there was nothing that they could do to assit with this fraudulent account. Please apply these laws to my account : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )
Consumer complaint received 2023-12-08
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: AMERICAN EXPRESS COMPANY (TX)

I took a personal loan from American Express. I made additional payments and specified " principal only '' payments. Therefore, just as is the case with my mortgage, the principal should correspondingly reduce by the amount paid to only the principal. However, AMEX failed to apply the funds to only the principal and instead took the funds as an early payment. Having taken the principal only payment as an early payment, they then failed to take out the scheduled monthly auto-payment. The Amex representative has stated they charge interest at the beginning of the month and not on a per diem basis. The monthly interest takes effect as soon as a payment is made ; the loan is then charged interest for the subsequent month. Therefore, it seems that other than paying off the loan in full, there's no way to pay off the loan for less than the total cost, even though AMEX states there is no pre-payment penalty. The penalty is paying the interest regardless of how soon the loan is paid off. That is a penalty. A principal only payment should be a principal only payment. A monthly auto-payment should not change/ be affected just because an additional payment is made prior to the payment due date. Then, instead of applying the auto-payment on the date it should have deducted, AMEX insists the payment can not be entered retroactively.
Consumer complaint received 2024-03-11
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. (GA)

For years now Experian has violated privacy laws. XXXX and XXXX BOTH have FINALLY COMPLIED and have removed blocked deleted the furnishing from XXXX XXXX which is FROZEN by the way ; XXXX XXXX DOES NOT HAVE FIRST HAND KNOWLEDGE nor the CONSENT TO USE NON PUBLIC INFORMATION!!!! 

NEITHER OF YOU HAVE SIGNED SOCIAL SECURITY ADMINISTRATION FORM SSA-89 and you are causing DEFAMATION IN THE LIBEL!!! 

REMOVE THIS XXXX!!! 

THE COURTS DO NOT FURNISH DATA SO YOUR DISPLAY IS MISLEADING AND FALSE REPRESENTATION AS YOU PURPORT THE CLERK OF COURT HAS SHARED NON PUBLIC INFORMATION WITH YOU WHICH IS DECEPTIVE TO SAY THE LEAST!!! 

AND YOU ARE MISINFORMING THE PUBLIC YOU ARE GUILTY OF AGGREGATE IDENTITY THEFT!!!! 

COMPLY COMPLY COMPLY EXPERIAN!!!
Consumer complaint received 2021-01-19
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. (FL)

I XXXX XXXX a Federally protected consumer informed XXXX that they are in violation of 15 U.S.C 1681a ( d ) ( 2 ) ( B ) by reporting the follow items on my consumer report. 

XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-13
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. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 2. there is some inaccurate information reporting. 
XXXX  XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX Date of inquiry XXXX XXXX Delete this account.XXXX4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
7. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
11. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
12. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
13. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
14. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
15. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
16. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
17. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
18. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
19. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 20. there is some inaccurate information reporting. 
XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
21. there is some inaccurate information reporting. 
XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
22. there is some inaccurate information reporting. 
XXXX  Date of inquiry : XX/XX/XXXX Delete this account.
Consumer complaint received 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX Experian and XXXX credit bureau shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed InformatiXXXX. If the completeness or accuracy of any item of information contained in a my file at Experian and XXXX credit bureau are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2017 Balance : {$0.00}
Consumer complaint received 2023-11-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: DailyPay, Inc (TN)

The company I work for uses DailyPay to process employee pay. My pay is direct deposited to my bank account. This is a vital service DailyPay is contracted to perform for companies. Yet for several months, DailyPay has had notices on their website and app that processing is taking longer than usual and deposits could be late. I have experienced later than usual direct deposits on a few occasions, usually a few hours later than usual. However, my pay for this period is now more than XXXX hours late and I still have not received it. I called DailyPay and told them I need my pay to pay bills today, including a bill for {$1700.00}, and all they could offer was an apology and an offer to " escalate '' the problem, as if it is not well known to them. These delays are becoming more frequent and more serious. They have profound, real-world impacts on people. Yet DailyPay doesn't seem to be overly concerned. DailyPay needs to fix this problem or get out of this business so a more competent company can get this done.
Consumer complaint received 2023-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want to delete these unauthorized inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-02
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. (CT)

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2022-12-02
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. (NY)

A personal loan was fraudulently taken out in my name in XX/XX/2022 from XXXX XXXX XXXX. I attempted to contact the company but had no success with the phone number on the report. I disputed the personal loan with all three credit reporting agencies. All three came back with the result that the loan was verified as mine, however the loan balance was then brought down to {$0.00} and the account was closed. The loan is still on all three credit reports and has a derogatory mark of payment being 30 days late. I want this to be completely removed from all three reports as it was opened fraudulently.
Consumer complaint received 2021-07-02
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: Creditors Bureau Associates (GA)

I sent a letter regarding inaccurate and unknown things on my credit report. I still have yet to hear any result and it has been over 60 days. I feel as though it is truly unfair and I am being taken advantage of and being ignored of my concerns and disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 to 45 days, gives a reason to immediately remove these items from my credit report. Since it has been well over allotted time, they should be deleted promptly. I demand these accounts be deleted or I will file for litigation die to the stress you have caused me. My information was impacted by the XXXX data breach and may have got into hands of the wrong person.
Consumer complaint received 2023-05-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: NORTHWEST BANCSHARES INC (PA)

I found out that I was receiving a very low rate on my XXXX XXXXXXXX XXXX Market account as opposed to other XXXX XXXX XXXX Market account holders, and the rate disclosed by Northwest Bank 's website. I have been receiving a rate of .46 % while Northwest Banks published rate sheet discloses the rate I should have been receiving as 2.25 % as of XX/XX/XXXX. That rate sheet is still the rate sheet in effect and on Northwest Bank 's website today. Nowhere on their rate sheet, or website do I find the interest rate that I have been receiving. 
After much effort I was able to get the bank to change my rate to 2.25 % as of XX/XX/XXXX. That does not make me whole. I initiated a complaint with Northwest Bank to receive the accrued interest to which I believe I am entitled and today received their response. NO. So apparently, Northwest Bank customers with the exact same account ( XXXX XXXX XXXX  Market ), with the exact same name ( XXXX XXXX XXXX Market ) in the exact same region, with the exact same requirements to maintain the account can be treated differently when it comes to the interest they pay on the account. Even though I can find no current published rate sheet reflecting the .46 % interest rate.
Consumer complaint received 2023-07-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Exeter Finance, LLC. (FL)

We currently cant come to and agreement due to the contract fraud that XXXX  XXXX XXXX XXXX XXXX provided to me, so call on the behalf of Exeter finance.Deceptively just coming into the knowledge of contract I realized the car was payed for through my signature as well as my social.I also investigated the fact that there is no date where they randomly appear on the so call contract They also send a police to a civil matter while trying to pull a repossession in which the police even realized they were wrong because they breach the piece of my home with neighbors all watching.which is illegal
Consumer complaint received 2016-05-05
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (TX)

I have been disputing a debt Nationstar Mortgage , LLC has been trying to collect since XXXX XXXX, XXXX. On XXXX XXXX, XXXX, Nationstar responded to a CFPB complaint declaring they were the servicer for Bank XXXX and the account was XXXX payments delinquent. On XXXX XXXX, XXXX, Nationstar 's counsel sent me a letter advising they were rescinding the acceleration of the debt. This contraverts the response on XXXX XXXX, XXXX indicating the loan was XXXX payments delinquent. Nationstar never purported to accelerate the alleged debt. There has been no activity on this account since the alleged transferred. I have never made any payments or executed any loan agreements with Nationstar. In conclusion, On XXXX XXXX, XXXX, XXXX days after the alleged Rescission, Nationstar responded to the XXXX credit dispute indicating the account and past due balances of the account were {$0.00}. Nationstar has consistently given conflicting information referencing the alleged debt. It appears they have n't done any due diligence to investigate this account ; after I 've vehemently disputed it. PLEASE HELP ... ... ..
Consumer complaint received 2022-12-13
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX