davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: REGIONS FINANCIAL CORPORATION (IN)

At the beginning of summer, our air conditioning and furnace stopped working properly. I contacted a local HVAC business and had them all replaced. To afford this, I had to take out a loan. The loaner is named EnerBankUSA. It took a couple of months, but I realized that some thing was amiss. The company sent me two ( 2 ) bills, and on each, the statement issue date was six ( 6 ) days AFTER the due date. On the XXXX bill the statement issue date was XX/XX/XXXX but the due date was XX/XX/XXXX. For XXXX the issue date was XX/XX/XXXX while the due date was XX/XX/XXXX. Consequently, both months I was required to pay a bill that was doubled up from {$150.00} to {$300.00}. The bill clearly states that I have ten ( 10 ) days to pay the bill after the due date, however it is impossible to pay a bill within ten days when it is issued six days AFTER the due date. I had concerns about this and tried to contact the loaner to address them. On XX/XX/XXXX at approximately XXXX XXXX  XXXX, I attempted to call EnerBankUSA to address my concerns. The automated voice said that I had a 15 minute wait.EnerBandUSA customer service ends at XXXX XXXX At XXXXXXXX XXXX  I hung up as I realized my call would not be answered at that point. At approximately XXXX XXXX. XXXX on XX/XX/XXXX I attempted to make contact via phone once again. The automated voice informed me that my wait time was 20 minutes. At approximately XXXX I a representative picked up and asked me hoe they could help. At the end of my explanation, the phone suddenly cut out. I suspect that they actually hung up on me.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My understanding is that FCRA XXXX requires us to expunge any inaccurate accounts from my credit report. Can you please verify the documents? There are inaccuracies in the reporting of certain listed accounts.
Consumer complaint received 2022-10-05
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. (GA)

Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2023-02-03
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: EQUIFAX, INC. (CA)

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report inaccurate information on the fallowing account. I recently sent you a request to investigate the information previously disputed on my consumer report on XX/XX/2022 your company has not fixed issue. It is still reporting inaccuracies on my consumer report. Please investigate these accounts and send me an updated report with these changes. As these companies are in direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a 1099c form from this company please provide me with one do not update this account delete immediately! 

ACCOUNT NAME XXXX XXXX XXXX XXXX  ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # : XXXX Ive attached copies of my consumer report showing these inaccuracies along with my ID, XXXXSN and bank statement, I have also attached a photos of the certified stamps proving I sent these formal disputes Sincerely, XXXX XXXX
Consumer complaint received 2022-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have a claim that is ongoing and received a temporary credit. I was told to sign documents that I never received to continue the claim. Since, I have submitted documents however, the temporary credit was withdrawn from my other account that is not associated with the claim. 
I have never filed a claim under this account and the temporary credit was not deposited into my newer account.
Consumer complaint received 2022-09-17
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. (NC)

I PAID {$15000.00} TOWARD MY XXXX CREDIT CARD ON XX/XX/2022 AND {$3000.00} MORE ON XX/XX/2022 TO PAY MY CREDIT CARD BALANCE IN FULL. MY XXXX CREDIT CARD BALANCE WAS COMPLETELY PAID OFF. $ XXXX BALANCE. {$0.00} BALANCE. 
i HAVE FILED A DISPUTE WITH XXXX XXXX CREDIT BUREAUS XXXX SIX TIMES SINCE XX/XX/2022 PAYMENT. XXXX REPORTS BACK EACH TIME THAT MY BALANCE IS STILL {$18000.00} AND NO PAYMENTS WERE MADE. NOW XXXX IS REPORTING BALANCE IS UNAVABLE. IN ADDITION, EACH OF MY PAYMENTS WERE HELD FOR FIVE ( 5 ) DAYS WITHOUT TELLING ME.!! I SPOKE TO XXXX MANAGEMENT RESULATION TEAM AND THEY TOLD ME THEY " CAN NOT FIX THEIR CREDIT REPORTING SYSTEM ''. VERY UNPROFESSIONAL CREDIT CARD WHICH MUST BE REPORTED AND FIXED ASAP PLEASE.
Consumer complaint received 2022-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX  XXXX XXXX Balanced Owed : {$0.00} XXXX XXXX XXXX XXXX Balanced Owed : {$0.00} XXXX XXXX Balanced Owed : {$0.00} XXXX  XXXX Balanced Owed : {$260.00} XXXX XXXX XXXX Balanced Owed : {$7500.00} XXXX XXXX XXXX XXXX Balance Owed : {$650.00} XXXX XXXX Balanced Owed : {$2600.00} XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Consumer complaint received 2022-09-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TD BANK US HOLDING COMPANY (WA)

Nordstrom FSB dba Nordstrom Credit had a consumer credit account in my name. After I left working at Nordstrom due to a medical condition ( substance use ) they held the account in my employee file and did not disclose that I had this debt nor write it off. Instead the debt was private and held in a manner that did not inform me of my rights to dispute the debt.

What I had issues with was the amount of debt that I owed.

I had worked like heck to get this debt paid off and owed around {$350.00} USD to Nordstrom but following a relapse this debt went to an automatically calculated sum of {$900.00} + dollars in which they sent me a notice regarding the amount I owed. Following this not one correspondence was sent to me in regards to this debt being owed. In fact, I went to work for them again at Nordstrom Rack and even then they did not bother me in regards to collecting this debt nor inform me of my rights. 

This debt was paid recently in full and they have not updated my XXXX in regards to this debt being paid in full, the history of my debt was not on my XXXX, and the account status is not on my XXXX and it's as if it never existed. 

In fact, when I paid the debt they didn't even send me an account paid in full notice.
Consumer complaint received 2015-08-05
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I just want my credit score, and none of the websites are allowing me to do so. It asks me questions that do not relate to me at all, Asking about loans I do not have etc, it usually asks questions I know the answers too since I am who I say I am, I just need some real help getting it, this is to complicated
Consumer complaint received 2022-10-05
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. (KY)

I see inquiries on my credit reports that are not accurate and these inquiries were unauthorized by me. According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified and unauthorized items MUST be removed. I have an inquire on my TransUnion and XXXX Report from XXXX XXXX ( Bank ) on XX/XX/2021 that I need removed as required.
Consumer complaint received 2022-10-05
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. (PA)

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 NO ADDRESS ON FILE Dear Sir or Madam, I saw that the companies above pulled my credit report on TRANSUNION, XXXX, XXXX. 

I do not understand why they believe they had the right to do this. I did not give a permissible purpose to anyone pull my private credit report. 

Please tell the credit reporting agencies to delete the inquiry or tell me in writing how you had the permission under the Fair Credit Reporting Act to pull my credit report. 

Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-10-05
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. (TX)

XX/XX/2022 I sent experian a dispute for account target on my consumer report in regards to them reporting the wrong On Record Until Date XXXX XXXX the on record until determines the 7 year expiration date this account will legally be removed from my consumer report. I have already got confirmation from target XX/XX/2022 on when the exact date of 1st deliquency date occured which was XX/XX/XXXX XXXX per FCRA Running of Reporting Period that refers to the 7 year period begins with respect to any delinquent account beginning on the date of the commencement of the delinquent which immediately preceded the charge off status 1681c ( c ). this law is a requirement to information contained in consumer reports. Now, I will say that experian is reporting the correct date of 1st delinquency in the payment history BUT they refuse to modify the on record until date to match the payment history. I mean its right in there face in black and white and I dont understand why experian won't modify the on record until the right way. 

additionally, my dispute was mailed XX/XX/2022 and experian submitted my dispute XXXX XXXX experian opened my dispute XX/XX/2022 and provided me with dispute results the exact same day XX/XX/2022 report number XXXX it takes more than a couple of days to complete a investigation in regards to inaccurate information and the AFTER results that experian provided me still reflect the same error On Record Until XXXX XXXX experian has failed FCRA compliance to follow reasonable procedures to assure maximum possible accuracy of the information before preparing me with results and a updated report 1681e ( b ).

Experian is practicing non compliance procedures to correct inaccurate information on my report. target is not responsible for this error, experian is and they won't modify the on record until correctly.
Consumer complaint received 2022-09-17
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. (NC)

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-09-17
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. (AZ)

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-17
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XXXX XXXX I learned a fraugulant credit card account was opened using my identity. 
I then contacted Bank of America and reported the fraud useing phone # XXXX Was able to get that account closed and asked to put fraud alert on. 
Then on XXXX XXXX I received a letter from Bank of America stating a credit card application had been approved and my new card should arrive in the next two weeks. 
Cotacted Bank of America and questioned new account for I had not applied for a credit card account. 
Found out both account were seperat insidences. 
first card opened on XXXX XXXX and second opened on XXXX XXXX. 
My complaint is why was another Credit Card Application approved after fraud had been reported on XXXX XXXX. 
Also refuse to give information as to who and how Applications were filled. 
Have filed Police Report, Federal Trade Commission. OIG report and Credit Report
Consumer complaint received 2022-09-17
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I called the 3 credit Bureaus after I purchased a credit report with smartcredit. After receiving a copy ofmy report, I saw these UNVERIFIABLE accounts on my personal profile. I sent a letter to the 3 credit bureaus last XX/XX/2022 and its over 30 days after I sent the letter. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Hoping that these listed accounts Late payments will be removed. 
XXXX XXXX XXXX Balance Owed : $ XXXX XXXX Balance Owed : {$11000.00}
Consumer complaint received 2023-05-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (IL)

I have been working with Rocket Mortgage and they issued a Loan Estimate titled Loan XXXX on XX/XX/XXXX. I notified them of my intent to proceed 5 business days later. They lied to me at the time and said that I was past the date to accept that LE and that it had expired. I understand that I have 10 business days to respond to a LE based on TILA-RESPA rules XXXX 

They did end up saying that they could honor the original terms and started a new loan in their portal. I signed those documents at their request while on the phone confirming that we would still be locked on the original terms. XX/XX/XXXX their portal showed a locked rate of 6.25 % as discussed with the points covered under a lender credit. 

On XX/XX/XXXX at approximately XXXX, I received a phone call from the banker informing me that RM would not honor the rate lock and would require me to pay for points at a cost of about {$5400.00} to keep my 6.25 % locked rate through XX/XX/XXXX. They said the rate lock had expired on the loan I proceeded with. While the new loan did not show the same rate lock date and they are correct there, I specifically requested that we proceed on the terms dictated in the loan estimate from XX/XX/XXXX. 

I have requested multiple times today to have them proceed with the LE that was sent to us and is in effect till XX/XX/XXXX which would be 10 business days from when it was sent on XX/XX/XXXX. They have continually denied my request to proceed.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The List of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 2023-06-16
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. (MD)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report.
Consumer complaint received 2022-12-20
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 have submitted a letter for Method of Verification Request to Experian in which I have exercise my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. In compliance with this method of investigation request, please provide the following : * The description of the procedure used to determine the accuracy and completeness of the information. * Name, address, and telephone number of each person contacted regarding this alleged account. * A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I have requesting a re-investigation along with your method of verification. The item in question is inaccurate and represents a very serious reporting error. I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. 
They have not comply and provided under the specific time the information required under my rights.
Consumer complaint received 2023-05-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (FL)

XX/XX/XXXX Im writing to file a complaint against Navient Student Loan servicer. I graduated in XX/XX/XXXX. I have paid my loans for over 20 years at {$500.00} a month. No easy payment for my family. Oh and when times were tough and I called them, they steered me toward forbearance .Which I think I did for a year. They never once told me that had I been in a different monthly plan, such as income driven, my loans would be paid off in 20 years ( XXXX ) 25 years ( XXXX ). Im on social security now and am retired. These loans have been paid many times over the original amount. Im asking for help to have my loans forgiven/ ended as they would have been had it not been for Navients deviant practices. 

Anything you can do to help me or steer me in a direction where I may get assistance with this matter, would be deeply and greatly appreciated. 

Kind Regards, XXXX XXXX XXXX XXXX