davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-04
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. (MO)

I am writing to file a formal complaint against XXXX XXXX XXXX regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken the appropriate steps to exercise my rights In accordance with the Fair Credit Reporting Act, under 15 U.S.C 1681s-602 it states I have the right to privacy and this creditor has violated my rights. 15 U.S.C s-604 ( a ) s-2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666 ( b ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. XXXX XXXX has furnished the following account Opened XXXX XXXX in the alleged amount of {$28000.00} I am requesting help on the further enforcement to The company XXXX XXXX for violating my rights and another known violations that are in accordance with IRS SEC and the OCC i ask you today to help end this matter that has had a negative effect and distress on my life as i will be reaching out to the other federal governing authorities to correct this matter
Consumer complaint received 2020-12-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

my accounts still have not been removed as requested its been longer than 30 days. I requested for them to be removed and blocked and not dispute.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
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. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX  Account NumberXXXX has violated my rights. Or a list of inquiries : 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 2020-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2018-04-05
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Advance America, Cash Advance Centers, Inc. (CA)

Dear Sirs I would truly like your help. In the year XX/XX/XXXX I filed for Bankruptcy. The judge told me in my first hearing that I was not to pay any bills going forward. The court, trustee and attorney fees took priority etc. I had a check from a PAY DAY loan and I asked about that as well and was told that NOTHING was to be paid. 

I was discharged in Bankruptcy Court on XX/XX/XXXX. From the beginning I notified every creditor that I had filed Bankruptcy including the Pay Day Loan people. 

XXXX XXXX continues to try to debit the money from the check the last being this week causing me overdraft fees of almost {$30.00} I am the sole support for my XXXX XXXX   daughter and XXXX grandchildren under the age of XXXX years old. The fees are devastating and should XXXX XXXX be able to take that {$300.00} now after almost two years it would be devastating and put me in a homeless situation. 

Please advise me as to what I can do to stop this terrorizing from this VENDOR. 

Best regards, XXXX ( XXXX ) XXXX Each time a man stands up for an ideal, or acts to improve the lot of others, or strikes out against injustice, he sends forth a tiny ripple of hope, and those ripples build a current which can sweep down the mightiest walls of oppression and resistance. XXXX XXXX -- -- - Forwarded Message -- -- - From : XXXX XXXX <XXXX> To : XXXX <XXXX> Sent : Wednesday, XX/XX/XXXX, XXXX XXXX PDT Subject : XXXX XXXX Fw : Important ACH Notice Good evening, I just sent an email to your company concerning my account. I filed for BANKRUPCTY mid to late XX/XX/XXXX and my BANKRUPTCY was cleared in XX/XX/XXXX. It included the checks written to your company however you are still trying to take the money out of my account which is causing me overdraft fees as you can this is the latest. I never EVER authorized auto deduction from my account. Why are you continuing to try to ROB my account of monies cleared through my BANKRUPTCY almost two years later and causing me stress, anguish and money I do not have. 

XX/XX/XXXX IMPORTANT ACH Overdraft Notice PHONE INQUIRIES TO : XXXX XXXX ( XXXX ) Account : XXXX Transactions posted on : XX/XX/XXXX Dear XXXX XXXX XXXX , The following ACH debit items were returned : Description Item # Amount Reason XXXX XXXX ( EDI PYMNTS ) XXXX {$300.00} NSF The following fees were charged to your account : Amount Type {$29.00} RETURNS 1 @ {$29.00}
Consumer complaint received 2016-03-29
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (TX)

I just filed complaint # XXXX XXXX XXXX XXXX at XXXX in haste and my attachment was missing XXXX key documents. 
1. Nationstar FTC XXXX XXXX XXXX " XXXX Points of Complaint on a Word Doc '' 2. Nationstar School Tax Contract & Escrow XXXX XXXX XXXX XXXX. Nationstar FTC-CFPB XXXX XXXX XXXX email confirming receipt of the above confirmation. Nationstar FTC XXXX XXXX XXXX was my research information. Word doc.
Consumer complaint received 2020-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

In XXXX and XXXX, 2020, I filed a series of disputes against XXXX XXXX XXXX University for attempting to damage my credit over _federal_ loans that are currently in deferment. Although Experian has made improper conclusions about the University 's extortion attempt, as I previously complained to the Bureau about it, Experian removed the derogatory item. In addition to helping the University commit a RICO conspiracy, having already resolved the XXXX XXXX XXXX matter back in XXXX, Experian opened the dispute without my consent. This behavior also follows my more recent complaints against Experian on the issue of excessive disputes made without my consent, for which waiting the legallyrequired sixty days for Experian to address only legalized obstruction of justice ; I could not send them a cease an desist letter before this latest offense, which the XXXX allows to go unpunished with the sixtyday requirement. For some reason, both XXXX XXXX XXXX and Experian insist despite the latter 's action against the former by undoing their damage to my credit to the point of laying the foundation for a maliciousprosecution suit, and obstructing the same with ongoing actions in SLAPPlike manner that their lies about thr status of my XXXX XXXX loans in deferment are true.
Consumer complaint received 2020-12-17
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.
Consumer complaint received 2015-05-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CA)

in 2006 XXXX, I refinanced my XXXX apartment buildings with Washington Mutual. The person was a saleswoman working for Washington Mutual.we refinance the loan, and it included a Yield maintenance clause. this clause was explained to me in great detail by the saleswoman. And it goes as follows as she told me. 
This is not the same as prepayment penalty because there is no prepayment penalty with this loan. This is maintaining the yield. So if the interest rate goes up during the time of the loan, and you want to pay off the loan, the bank can easily lend the money for another 10 years and make more money therefore there is no prepayment penalty involved. On the other hand if the loan rate goes down by one or two or 3 % whatever,, then you have to pay the difference between what the bank can get to invest the same money for another 10 years and what your rate is and just pay for the duration of the loan. 
This was explained to me again and again and that is why it is called yield maintenance. 
Now I want to refinance the loan, the rates are obviously significantly lower. The 10 year rate is at about 2.2 to 2.4 % .I understand that. So I wrote to the bank that I want to pay it off and then send me back a calculation that is so convoluted and makes no sense to me at all. They want me to pay a premium that is extremely high and is nothing else but trying to take advantage of the situation.. I talked to the bank and they gave me some explanation that I do n't understand. I had the same document looked at by other bankers and they seem to be confused if so convoluted. 
Bank keeps saying that that 's what I signed on the document. And I keep telling them yes I signed the document but this is what I understand I was told and this is what I still understand. They refused to give me the telephone number of XXXX who holds the loan. I have called XXXX also and they gave me your information to contact you. 
XXXX issue of the same loan is that this penalty is supposed to be until maturity and yet I 'm allowed to prepay the entire 180 days before the maturity. But when I want to prepay early they want to charge me till the end.. I 'm confused about that too. 
I 'm writing to this because I am getting nowhere with the bank. Bank involved in this case is Chase Bank. I 'm getting nothing else but runaround and a very rude behavior from these bankers.
Consumer complaint received 2017-04-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have filed a dispute with XXXX with Trans Union/ XXXX that I have never been late on a payment, I have called 3 times to date to XXXX XXXX and they assure me that I have NO late payments, Yet credit agency states report is accurate. How do I get this off all my reports, I also have XXXX collections and XXXX legal reports that have been paid in full. XXXX paid in Full/ XXXX paid in full/ Legal item XXXX paid in full, and I ca n't get them removed and is showing negative on my reports
Consumer complaint received 2023-07-14
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. (LA)

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. 

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 inructions 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 2023-05-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX, Equifax removed a collection account from my credit report from Company XXXX XXXX XXXX for {$200.00}. However, 7 days later, on XX/XX/XXXX, Equifax added this creditor back to my account after being unable to furnish proof per my request of the debt still being owed. This account is paid in full, and the creditor has indicated that they are reporting to Equifax that the debt is not owed. 

I certify under penalty of perjury and understand that if I make any false claims, I can be liable to federal consequences. Please accept this statement, indicating that I currently have no debts owed to the company XXXX XXXX XXXX, which is currently reporting on my credit report for {$200.00} and have furnished an attached letter showing that this debt is showing as resolved in all of their accounts. 

I demand that this be updated and removed from my credit report immediately, as Equifax is in violation of the Fair Credit Reporting Act, which requires them to report accurate consumer reports.
Consumer complaint received 2017-04-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In XX/XX/2016 I received all XXXX credit reports and noticed a collection account by XXXX, collecting for XXXX, stated I owed {$1100.00}. Knowing this did not belong to me I initiated a dipute with all XXXX reporting agencies. XXXX and XXXX removed the account, but TransUnion did not. XXXX will not release any of my records I requested to prove it was mine including signatures and ID. I filed complaint with them also. This is not my account and I want it removed.
Consumer complaint received 2023-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

In XX/XX/2023 someone opened up a citizens bank account using my information. Citizens sent me an actual debit card with my name on it than they sent me a letter stating they were unable to verify information provided on a credit application. I have called citizens and informed them and they closed the account. On XX/XX/2023 there was two charges on my XXXX XXXX XXXX credit card ( this is a card I often use ) in the amount of XXXX from XXXX, I contacted XXXX XXXX and they refunded me the amounts and sent me a new card. I am reaching out to you guys in hopes that my credit does not go down or any inquiries on my credit get effected, Im hoping that Ive caught this in time, please let me know what other matters I should take. I have checked in my XXXX XXXX app that there has been nothing else charged or opened but I dont know what else I should be expecting here in the future with this identity theft.
Consumer complaint received 2017-04-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion is reporting my an overall debt increased that resulted on my FICO score decreasing by over XXXX points. This information is incorrect! I 've been reducing my debt significantly monthly. On personal loans and car loans alone, my debt decreases over XXXX dollars monthly. Yet because I made use of XXXX credit cards last month by an amount much lower than what I paid to several accounts lowering my debt, this company decreased my FICO score. I believe this practice is deceptive. If I understand correctly the FICO score is calculated from XXXX factors. I submitted a dispute but I do n't feel confident nor do I trust Transunion to resolve this issue.
Consumer complaint received 2020-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

On XX/XX/2020 I received an email from Capital One : We're restricting your Capital One 360 account ( s ) until we can verify your recent account activity. 

We may contact you to confirm this activity. Based on the results of our review, your account ( s ) may be closed and your balance - plus all interest earned - will be transferred to your linked external checking account. 

*All phone conversations below I have saved recordings that I can send per your request* XX/XX/2020 - I called the number provided in the email and spoke with an account specialist that informed me my account was suspected of fraud and asked me to verify some recent XXXX transactions by providing them a name and phone number for the people I had transactions with. After I provided them with the information requested, the account specialist claimed that she was not able to hear me which eventually led to the call being disconnected. 

XX/XX/2020 - Contacted the same department and the representative informed me that Capital One will no longer offer me banking services now or at anytime in the future with no further explanation. She assured me that my accounts will be closed and a check sent for the balance in each account. 

2 Checking accounts 1 Savings XX/XX/2020 - I received two checks in the mail ; one for my savings account and my secondary checking account. My main checking account with a balance of {$4400.00} was not included. So I assumed it would be sent separately and was anticipating it in the coming days. 

I called 3 times between XX/XX/XXXX and XX/XX/XXXX and I was always transferred to a voicemail. Left a message and never was never contacted. 

XX/XX/2020- Called the same number and this account specialist was about to transfer me to that same department. I asked him when this department was open because it has always been a voicemail in the past. He explained that it is always a voicemail on this line - He literally says there is no one that can help me. Ended up transferring me to a manager that ultimately transferred me again where I was placed on hold for an hour before I finally hung up!
Consumer complaint received 2020-12-17
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. (LA)

I've disputed several inaccuracies on my credit report with dispute letter dated XX/XX/2020 to Experian for the account XXXX XXXX XXXX that's being reported on my credit profile. Experian responded back to me stating the company that reported the information has certified to Experian that the information is accurate. I am filing a complaint on Experian and XXXX XXXX XXXX for the inaccurate information reported on my credit profile which is highly damaging to my credit score. Because of the inaccurate information reported I would like for the item XXXX XXXX XXXX be deleted per FCRA. 

In the dispute letter I also asked Experian to disclose all information to me in my consumer file clearly and accurately per Section 609 ( a ) ( 1 ) of the FCRA without any truncates of my account number and social security number. Experian have failed to do so as I requested.
Consumer complaint received 2024-03-04
Product: Credit reporting 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. (NY)

Experian XXXX XXXX XXXX XXXX TX XXXX  Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Dear Sir/Madam I am writing to formally dispute the following inquiries listed on my Experian credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that these inquiries be investigated and removed from my credit report immediately as they are inaccurate and unauthorized. I have not authorized any of these entities to inquire into my credit history.

According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or unauthorized information on their credit reports. I am exercising my rights under this law to ensure the accuracy and integrity of my credit report.

I request that you provide me with written confirmation of the removal of these inquiries from my credit report.

Please acknowledge receipt of this dispute letter within 30 days and inform me of the steps being taken to resolve this issue. I appreciate your prompt attention to this matter and look forward to a favorable resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-09
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: ERC (SC)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment or credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-07-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CA)

i recieve a alert that i had a collection on my credit report i contacted the company they sent me forms to fill out i explained it was not my account never lived there never let anyone use my info they told me send proof of address and other things i have faxed to them already