davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-22
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. (LA)

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the High Balance, last verified, closed date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. So How XXXX the XXXX is there a balance on a charged off account? According to 15 USC 1681 ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2022-11-10
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. (GA)

In accordance with the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX
Consumer complaint received 2024-05-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Freedom Mortgage Company (CA)

In XXXX we put our loan into forbearance. It was for just a few months. In XXXX of XXXX Freedom Mortgage asked for the normal payment plus the additional amount that we had in forbearance of {$10000.00}. The statement was showing a balance of {$340000.00} which I believe included the forbearance amount. We had an interest rate of 3.125 % on a XXXX fixed conventional mortgage. We purchased the home in XXXX and put 20 % down. Without Escrow/Impounds our payment on our XX/XX/XXXX statement was {$630.00} to principal and {$890.00} to interest for a total of {$1500.00}. We called Freedom Mortgage and said we were not in a position to pay back the lump sum of {$8300.00}. They said that was fine they would just do a loan modification and put it on the end of my loan, but our interest rate would increase to 5 %. I said no I do not want my interest rate to go up. They indicated that this was my only option if I could not give them the forbearance amount. I reluctantly signed the paperwork because I was led to believe that they were doing this in my best interest so they wouldn't take my house. I just applied for a Home Equity Line of Credit, and I was denied because they said I had a {$79000.00} second mortgage. After more investigation I have found that to keep my payment the same at a higher interest rate. They moved {$79000.00} to the end of the loan and pushed my mortgage out another XXXX XXXX and now my payments are per XX/XX/XXXX statement {$370.00} to principal and {$1100.00} to interest for a total of {$1500.00}. When I called last week they said, '' yeah but the $ XXXX is interest free ''. {$340000.00} X 3.125 % X XXXX  XXXX  = {$300000.00} in interest. {$340000.00} - {$79000.00} = {$260000.00} x 5 % x XXXX XXXX  = {$400000.00} in interest. For $ XXXX forbearance and a monthly savings of {$7.00} they convinced me to sign documents so they could earn another $ XXXX in interest. The $ XXXX being interest free is irrelevant they took advantage of us and now I don't know what to do. I may be forced to sell the house I love to get out from under this mess. We are in our XXXX this was to be our retirement home. My husband is terminally ill, and you can see by the current statement I am struggling to stay on top of everything. I need the line of credit for a debt consolidation so I can make the mortgage payment on time. I have paid late but never over 30 days. Please help what can I do??
Consumer complaint received 2024-05-07
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Bull City Financial Solutions, Inc (OH)

XXXX XXXX. I had an account with XXXX XXXX. XXXX XXXX must have took over the account. I have been working so hard trying to repair my credit. I just have XXXX in XXXX and this place is reporting and since i have dropped XXXX point or more
Consumer complaint received 2023-07-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On XX/XX/2023 I attempted to close my Citizen 's Bank XXXX account through the phone. I was assured that my account would be closed, and that the remainder of my account would be sent to me as a check in the mail. 

I received the check within a few days, but never received confirmation that the account was closed. On XX/XX/2023 I wrote Citizen 's Bank a letter asking them to send me confirmation that my account was closed. 

On XX/XX/XXXX, I received an email saying that a scheduled transfer from my main XXXX XXXX was going to take place to my ( should now be closed ) Citizen 's Bank account. I called Citizen 's Bank and asked the representative to confirm that my account was closed, and asked to verify that any scheduled transfers were canceled. She confirmed that the account was closed and that the scheduled transfer would not go through. 

I have only had bad experiences with Citizen 's Bank and therefore didn't trust this, and so I paid {$15.00} for a stop payment request from my main bank. As I suspected, I was lied to by Citizen 's Bank and the scheduled transfer was attempted XXXX times.
Consumer complaint received 2024-05-07
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Asset Recovery Bureau LLC (MS)

This matter has been ongoing with XXXX XXXX since XX/XX/XXXX. Now, XXXX XXXX has shared my personal information with the Asset Recovery Bureau, which I did not know. Now I'm receiving threatened voicemails and emails until today XX/XX/XXXX!
Consumer complaint received 2024-05-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bull City Financial Solutions, Inc (FL)

Thus company placed collection on my credit report with sending me a 5 day notice to dispute. I plan to take this matter to court if this account is not deleted immediately. If you believe you sent me the 5 day notice of this date then you must provide proof I signed for the notice of dispute and that I received the notice.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CO)

To whom it may concern, I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2023-07-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Selene Holdings LLC ()

I have a mortgage loan with the Selene finance company, I have paid my installments on time, but they have lost an installment that corresponds to the month of XX/XX/2022. I paid my XXXX installment on XX/XX/2022, for XXXX and that of XX/XX/2022 on XX/XX/2022. My credit changed company, from XXXX XXXX to Selene finance. I have communicated both by phone and by email and they have not given me a solution because they say that the payment does not exist and that I must solve it with the other company, that is, XXXX XXXX but they say no because I no longer have credit with them. I have been waiting for an answer for 14 months and they have not given me a solution and my credit appears in default
Consumer complaint received 2023-07-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (IN)

On XX/XX/2022 my balance reported by Midland Credit Management seems to have started the time in collections over. XXXX  XXXX was the original creditor and they sold my debt to Midland who seems to have started over the time for this debt to " fall off '' my credit report.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bull City Financial Solutions, Inc (SC)

In accordance with the FAIR CREDIT REPORTING ACT these creditors have violated my rights under 15 USC 1681 SECTION 602 states I have the rights to privacy 15 USC 1681 SECTION 604 A SECTION 2 It also states that consumer report agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer payment plan as late for any purpose.
Consumer complaint received 2023-07-07
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: LCS FINANCIAL SERVICES CORPORATION (KY)

I mailed a certified letter to the company to cease and desist any and all communication due to my not owing any debt currently and no idea what this is or why they are contacting me. According to the post office the certified letter would be received by the company on XX/XX/XXXX In addition, I mailed a copy via regular mail with normal postage. 

Since XX/XX/ I have received calls from phone number XXXX ( which reports show belongs to this company ) on the following dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

Hello, On XX/XX/XXXX XXXX XXXX XXXX XXXX made a hard inquiry to my credit report without my consents, and without my permission. Someone from XXXX, California used my XXXX information applied for a XXXX XXXX credit card. I asked them to put fraud alert, and remove this hard inquiry record because it is hurting my credit score but the bank is not taking an action to fix the issue. And this case with XXXX XXXX happened in XX/XX/XXXX as well. Same issue, I did not apply for a credit card but still received a hard inquiry to my credit. The bank till to this day has not removed that record. Please help me remove those unauthorized hard inquiries from my credit report.
Consumer complaint received 2021-02-04
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: SYNCHRONY FINANCIAL (FL)

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 

XXXX XXXX XXXX  XXXX XXXX Open date XXXX XX/XX/XXXX XXXX XXXX XXXX  Open date XXXX XX/XX/XXXX XXXX XXXX XXXX  Open date XXXX XX/XX/XXXX Syncb/Amazon Open date XXXX XX/XX/XXXX XXXX XXXX XXXX Open date XXXX XX/XX/XXXX XXXX XXXX XXXX  Open date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Open date XXXX XX/XX/XXXX Enclosed is a copy of my Identity Theft Report, supporting my position.
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

My credit report is inaccurate, and needs to be corrected. XXXX XXXX account dated XX/XX/2023 is inaccurate and need to be deleted off of my credit report!
Consumer complaint received 2023-08-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc. (AZ)

I wasn't shown any paperwork prior to getting the work done on my car. I was told that I would only have to pay $ XXXX. After the work was done, then I was shown the paperwork and forced to sign the contract or I would not have gotten my car from the repair service. I was told that I had the option of paying off the loan in 100 days, but if not that was fine. Never once until I saw the contract was I told my interest rate would be at 169.53 %! I would've never agreed to an interest rate that high. From everything I've read, the interest rate being charged is highly illegal.
Consumer complaint received 2023-07-07
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: AMERICAN EXPRESS COMPANY (AZ)

I hope this message finds you well. I'm writing to express my concerns regarding the reporting of my charged-off American Express credit card account on my credit report. 

This account has been officially charged off, however, it continues to be reported as a 'charge-off ' on my credit report every month. As well as reporting No Data for some months. This repetition implies that a new negative event is occurring each month, which is not accurate. 

Under the Fair Credit Reporting Act, a charged-off account should be reported as such once, not on a continuing monthly basis. The continuous reporting of the charge-off is negatively impacting my credit score in an undue manner.

This incorrect reporting has significant consequences on my financial standing and potential for future credit opportunities. I kindly request your assistance in rectifying this issue to ensure that my credit report accurately reflects my financial history. 

Thank you for your immediate attention to this matter. 

Best regards, XXXX XXXX
Consumer complaint received 2023-07-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (TX)

I received a credit reporting alert that a company Debt Recovery Solutions is reporting to credit bureaus ( XXXX, XXXX, XXXX ) a collections/delinquent account for non-payment. This is a fraudulent attempt to collect a debt I NEVER owed. This has negatively impacted my credit score. Please take action against this company. I have already contacted XXXX, XXXX and XXXX to report this fraudulent activity. I have also escalated this matter to my legal team and State 's Attorney. Please instruct this company to delete this fraudulent account from my credit file ASAP.
Consumer complaint received 2022-10-29
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. (NV)

I obtained a copy of my consumer report and saw accounts on it that were not authorized by me. I contact all three major reporting agencies informing them that they were in violation of federal law. There are numerous violations of the federal law, the FCRA. Pursuant to 15 USC 1681 ( a ) ( 1 ), congress made clear findings that my consumer report must be fair and accurate to me, the consumer. The reporting agencies have assumed the vital role in assembling and evaluating consumer credit, on their own. By law, pursuant to 15 USC 1681 ( a ) ( 4 ), consumer reporting agencies have grave responsibilities of fairness, impartiality and respect the consumers ' right to privacy. My right to privacy has been infringed upon, and I have never given up my right to privacy, nor did I authorize them to report any information on my consumer report. The erroneous and fraudulent reporting on the reporting agencies ' part has caused me financial harm and adverse action against me. I have never given XXXX, TransUnion or XXXX consent to report any accounts on my consumer file, making this aggravated Identity Theft. All three agencies are also guilty of conspiring with these companies to violate my federally protected rights. Pursuant to 15 USC 1681 ( c ) ( a ), information excluded from consumer reports ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information ( 5 ) any other adverse information. Any harmful, inaccurate account furnished to my consumer report is an adverse action.

After I sent certified letters to the reporting agencies, they responded saying these accounts were verified. This I know to be not true pursuant to 15 USC 1681a ( e ), there must be an investigative report with the source of the report coming from interviews of family and friends. I do allege that no such verification exists.
Consumer complaint received 2022-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (IL)

On XX/XX/XXXX, I filled a dispute with Chime XXXX XXXXXXXX XXXX  ) against XXXX. It's been 4 days since I filed the dispute, and I still have not gotten an update. They claim they are still investigating but I actually found out that they never reached out to the merchant in the first place, prolonging the process. I can't get them to reach out to the merchant and I don't know why they refuse to do so. They should have contacted the merchant on the same day that I filed. The issue is urgent. I was scammed. I need my money back immediately.
Consumer complaint received 2023-06-15
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Mercedes Benz Financial Services (VA)

XXXX loan XXXX They charge me XXXX late fee with in my grace period 10 days due dateXXXX  every month i made payment for month of XXXX XXXX the XXXX with in grace period and they wouldn't give me refund XXXX
Consumer complaint received 2023-04-29
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. (DC)

I've been trying to remove a charge off account as soon as I turned XXXX and was able to look at my credit report. This account was supposedly opened in XXXX of 2022, but I was a minor as I was XXXX XXXX XXXX. I didn't open this account and after months of disputes It has become increasingly hard to have this removed from all of my credit reports. My credit is terrible and I'm even having trouble just trying to get a secured card. Please I'm at a loss of where I can continue from here, I really need some help. Thank You!
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

On XX/XX/XXXX of 2023, I mailed a letter to Equifax, XXXX, and XXXX to update my personal information, removing old and unfamiliar addresses, employer information, and incorrect spellings of my name and to send me an updated credit report once completed. Neither reporting agency has followed through with my request which is a violation of 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2022-10-20
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX XXXX XXXX XXXX XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.