davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This account was oppen sometime earlier this year. It took about 3 or 4 months for me to catch it. I immediately contacted XXXX. They notified whomever opened the account and I assume could not make contact. The account was closed immediately do to not being able to actually ID THE person who opened the account. XXXX deemed they had not enough proof of if identity and shut it down. This was removed from my transunion and XXXX reports. For some reason I'm getting a lot of trouble removing it from transunion. The account was literally closed by XXXX for not being able to identify the owner. MORE PROOF IT WAS NOT ME THAT OPENED THIS. THIS NEEDS to please be removed until XXXX can provide actually proof of ownership.
Consumer complaint received 2023-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (AZ)

I have applied for XXXX with Mohela. My counts were updated with XXXX and transferred to Mohela on XX/XX/XXXX. Mohela updated the counts to reflect what XXXX had. I submitted a new XXXX from my current employer to cover XXXX, XXXX, and XXXX of XXXX. Mohela was processing my form, but instead marked it as duplicate and stopped processing it. They say that I can resubmit and wait another XXXX business days. I submitted the form, called them and had them review the form to ensure there was nothing wrong with it and they just decided not to process it. I don't think it is fair to go to the back of the line when I have done nothing wrong. I do not want to submit a new form only to have it marked as duplicate again and ignored.
Consumer complaint received 2023-07-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (AL)

I settled a debt from an XXXX XXXX account in the amount of {$160.00} for {$84.00} with XXXX XXXX, XXXX out of XXXX, XXXX XXXX XX/XX/2023. They sent be a confirmation of settlement for the stated amount on XX/XX/XXXX to confirm the resolution of this debt at the agreed amount. 

I have been harassed by phone and email from a different debt collection company, Credence Resource Management in XXXX TX, regarding this same debt from XXXX. I have sent them proof that this debt has been resolved but they have refused to accept my confirmation of settlement from XXXX XXXX XXXX XXXX. I should not have two debt collection companies trying to collect the same debt from me, especially when the debt has been resolved properly with proof from my bank and XXXX XXXX XXXX XXXX. Please see the attached documents for this complaint.
Consumer complaint received 2023-05-16
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. (TX)

In accordance with The Fair Credit Reporting Act, XXXX Account # XXXX, XXXX Account # XXXX XXXX XXXX XXXX ( {$13000.00} ) ( {$950.00} ), has violated my rights. 

15 U.S.C. 1681 section 602 ( a ) : states I have to privacy.

15 U.S.C. 1681 section 604 ( a ) 2 : states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (VA)

There was a hard inquiry on my my credit report. JPMCB card services inquired about my credit and I have not applied for credit. This occurred on or between XX/XX/XXXX and XX/XX/XXXX. 
Chase credit card.
Consumer complaint received 2023-09-27
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. (NY)

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 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 2023-09-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My credit report is still showing late payments on ACCOUNT/S. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.XXXX  XXXX XXXX
Consumer complaint received 2022-11-29
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. (NC)

Please take a look at the attached letters and ID docs for verification that it is I 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 2023-05-10
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. (NC)

My name is 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 2023-11-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CLGF Holdco 1, LLC (NY)

XX/XX/2023 I signed up for credit protection program with Indigo and Destiny credit card. Credit limit of {$300.00}. In XX/XX/2023 I was unemployed, I applied for the credit protection plan and the company continued to state that I was not within the 30 day consecutive working period to qualify. I did file a complaint with CFPB and I received a response from the company but as of now I do no see it stated as a complaint with CFPB. 

I responded to the company stating and citing that their terms were ambigious. They are saying you have to work 30 consecutive days in order to apply or qualify for the program. I was 22 days out of work and applied they denied my credit protection understandable I applied again in XXXX and XX/XX/2023 I believe still was denied. The compnays terms does not state you have to be EXACTLY out of work 30 consecutive days not one, two, three, etc. days or but exactly 30 then apply. If you are not 30 days exactly out of work they will not honor your credit protection. Meaning if at midnight on the 31st day and you apply they will not honor their credit protection program Which i stated will cause the consumer to be late, their company can and did in my case charge very high late fees totally {$80.00} for one late fee charge and this goes against your credit and credit score and is a tumbling block of financial disaster and the only person gaining in Indigo and Destiny because now you are forced to pay these extra fees to get your credit settled. When in fact ( as I explained in my letter ) they could have accepted your claim on day 30 exactly and honor their program.
Consumer complaint received 2023-06-07
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, CAPITAL ONE used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. CAPITAL ONE reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.
Consumer complaint received 2017-02-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

Bank of America put me in foreclosure says I owe {$9000.00}. After finally receiving the first 6 years loan history payments they did not pay my principal payments for the first five yearsyears, the promissory note reflects 7.130 interest rate at {$490.00} paymentspayment each month for 15 years. we received monthly statements in 99 that stated that we were only supposed to be charged {$9.00} per day for interest the interest rate of 7.130 comes out to {$10.00} a day then if you figure {$9.00} per day the interest rate should be 6.5. if you amortize 7.130 + interest your payment should be {$490.00}. We were overcharged on interest along with late fees and there 's are several payments that are not on the payment history they also applied to much to interest for multiple years breaking the usery lawlaw. This is a breach of contract and they have ruinedvour credit for years we want our money back timed XXXX compensated for credit damage and our title to our house cleaned there are many more servicing issues along with this but way to much to include.
Consumer complaint received 2023-08-08
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. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged 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 2023-07-18
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. (NY)

I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2018-10-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Cascade Capital, LLC (IN)

I received a paydayloan from XXXX XXXX in XXXX in XXXX. I then relocated to XXXX XXXX. I somehow found out or remembered the loan, therefore, I went to the lender and paid it off with cash. A few years later I needed a new paydayloan in XXXX XXXX. I was turned down due to the paydayloan from XXXX XXXX, I know this because teller gave me a number for the Indiana data base and they discussed the matter with me. I was very appalled, the told me to reach out to XXXX XXXX. When I spoke with the teller she said she would investigate and call me back. She never did. I called back a few weeks later and the same missed opportunity to assist me occured. I let it go ... .until I needed a payday loan again. Plz help XXXX XXXX no longer has an institution that receives incoming phone calls. Even the place that I made my payment is no longer physically active.
Consumer complaint received 2023-09-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC (DE)

In a nut shell- My mortgage was sold to Selene Finance XXXX XXXX, 2021. ( that is all I know ; I understand Selene is not a bank yet I can not get info on who actually owns my loan ) I received the run around ever since. I set up auto pay from the beginning with Selene. They continued to say I did not and never had record of any of my contact with them. I have spoken to more representatives there than I can count. They never follow through with their promises to get to the bottom of problems and lie saying they'll remediate the issues then call you back, they never do. ( even if I talked to someone who sounded genuine ) In the end they merely hang up on me after treating me with condescension. 
My mortgage was sold, XXXX, 2021, Selene began servicing. They ruined mwould y credit after reporting me delinquent for nonpayment ( XXXX ) months in a row saying I did not set up auto pay. I finally had them draft the full amount ( s ) they said I owed, including all fees because they sent me a foreclosure notice. They will not repair my credit or take any blame, rather they continue to claim communications and " set up '' did not happen. A {$12000.00} Mortgagor escrow overage check was issued ( I saw on my online account ) which I never received. Each time I expressed this on phone calls the reps would put me on hold, transfer me, then finally claim that they redeposited the funds back to my account. They did not. I have been told I have a deficit in escrow and they raised my monthly payment to an amount well above what I was paying with the former mortgage bank. I have always carried homeowners insurance and always submit my insurance declaration page if/when it is requested, as does my insurance agent on my behalf. Selene continues to charge me outside insurance no matter how many times I prove ( as does my insurance agent ) I hold insurance, and always have. They have lied to me saying, " Just be patient and it will all be worked out and be removed. '' but it has not and does not. I have been charged insurance, fees, late fees, been reported delinquent, and currently am being charged {$16.00}, XXXX for insurance on my home that I have insurance on! ( My top notch policy is $ XXXX ) PLEASE HELP ME
Consumer complaint received 2017-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MD)

New standards for how tax liens, civil judgments and bankruptcies are included in credit reports went into effect on XX/XX/XXXX Beginning XX/XX/XXXX, public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain minimum identifying information and be collected at more frequent intervals. I disputed the tax lien and judgment information on my report and it came back as verified. The problem with that issue is that I spoke with the companies/court involved who the credit reporting agency claims verified this data, and they responded in writing stating that they do not verify information such as bankruptcies, tax liens and judgments with credit bureaus. Please have any tax liens, & judgments on my report deleted immediately. I was also, according to the Equifax website part of the data breach that took place between XXXX andXX/XX/XXXXXXXX. After searching by my SSN,  it said that I was included in the breach ( Please see attachment ). Therefore, I would like to have a fraud alert placed on my credit reports with all 3 agencies and also any credit inquiries fromXX/XX/XXXX through XXXX removed immediately. As these things are negatively affecting my credit score.
Consumer complaint received 2023-08-08
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. (CA)

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 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 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.
Consumer complaint received 2017-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MD)

New standards for how tax liens, civil judgments and bankruptcies are included in credit reports went into effect on XX/XX/XXXX. BeginningXX/XX/XXXX, public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain minimum identifying information and be collected at more frequent intervals. I disputed the tax lien and judgment information on my report and it came back as verified. The problem with that issue is that I spoke with the companies/court involved who the credit reporting agency claims verified this data, and they responded in writing stating that they do not verify information such as bankruptcies, tax liens and judgments with credit bureaus. Please have any tax liens, & judgments on my report deleted immediately. I was also, according to the Equifax website part of the data breach that took place between XXXX and XX/XX/XXXX. After searching by my SSN, it said that I was included in the breach ( Please see attachment ). Therefore, I would like to have a fraud alert placed on my credit reports with all 3 agencies and also any credit inquiries from XXXX throughXX/XX/XXXX removed immediately. As these things are negatively affecting my credit score.
Consumer complaint received 2023-08-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION (IL)

I was assessed late fees even though I did not receive statements. After 9 months with a Navy Federal Credit Union HELOC, I enrolled in electronic delivery of my statement. Unbeknownst to me, this halted statements. I did not receive them via email, text or through the USPS. According to the Mortgage Servicing Agent I spoke to on XX/XX/2023, once I selected electronic delivery, I would only receive a notification when I logged into the NFCU App. That's no more useful than a doorbell that only rings when the door is opened. NFCU 's system did send a text after the bill was part due and a late fee was assessed. 
I've brought the mortgage current and disputed the late fees. I write now because others may be simularly harmed. NFCU should be forced to change their system so that it at least offers the option to receive texts or emails when the bill is due
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Re : complaint number XXXX The company, XXXX XXXX  XXXX XXXX , by their General Counsel, has confirmed to me that the delinquencies filed over the past 4 months were in error and has informed me that they filed a correction with Experian to have them removed. Yet I received a confirmation from Experian, dated, XX/XX/XXXX, in response to my prior complaint stating that the company confirmed the delinquency was correct. As the company confirmed with me that they have withdrawn the report of any delinquencies, as in error, Experian needs to double check and remove the delinquencies from my record as if they were never filed.
Consumer complaint received 2023-08-08
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. (MI)

On XX/XX/2023 I have reached out the XXXX, Transunion and XXXX about a bankruptcy reporting that do not supposed to be on there. With the bankruptcies showing it is causing me a hardship and will like monetary if its not removed immediately. Bankruptcy court stated they do not report to the credit bureaus which it needs to be removed, document is attached. Rule 9037 Privacy Protection for filing made with the court. 
I have previously disputed this item with you ( US Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and in response you verified the item as accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or to any credit agencies for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting quirements do not comply with FCRA 611 ( 15 u.s.c. 1681 and the information must be deleted immediately.
Consumer complaint received 2023-01-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NV)

XXXX XXXX Bank  account in XXXX use until XXXX but account was still open with my mother. over 7 accounts open attach with my main account that I did not know about not including 3 savings accounts. ALL HAD WITHDRAW FEES .... ALL WITH OVERDRAFT FEES FOR NO REASON IN XXXX XXXX. XXXX I TRIED TO CLOSE ALL ACCOUNTS. by phone, in branch. in XXXX or XXXX got a XXXX dollar check for Wells fargo misusing my accounts and an apology letter. but NOTHING HAPPENED to those account as they still sit open so I left and don't use service from that bank anymore. its still active.