davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-21
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. (IL)

Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete for inaccuracy and false reporting : The Date of Last Activity is not the same three different dates listed for Experian XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX same with Last Payment Date is not accurate. Experian XX/XX/XXXX and XXXX XX/XX/XXXX. Incorrect date opened is listed XXXX XX/XX/XXXX and ExperianXXXX XX/XX/XXXX XXXX No date closed listed for Experian XXXX XXXX. Inaccurate information listed for High balance XXXX XXXX Experian/XXXX XXXX XXXX I have sent in multiple disputes via usps mail and have requested verification of how the information was verified. I have no received any documentation nor a far investigation within one week of the credit bureaus receiving my dispute the investigation is updated.
Consumer complaint received 2022-11-08
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: EQUIFAX, INC. (PA)

XXXX  Account Information Address XXXX XXXXXXXX XXXX, PA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Joint Account Account Type Mortgage Account Loan Type REAL ESTATE-JUNIOR LIENS Date Updated XX/XX/XXXX Payment Received {$150.00} Last Payment Made XX/XX/XXXX Pay Status Current ; Paid or Paying as Agreed Terms {$30.00} per month ; paid Monthly High Balance ( Hist. ) High balance of {$3600.00} from XX/XX/XXXX to XX/XX/XXXX ; {$3600.00} from XX/XX/XXXX to XX/XX/XXXX ; {$3600.00} from XX/XX/XXXX to XX/XX/XXXX ; {$3600.00} from XX/XX/XXXX to XX/XX/XXXX XXXX in accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2022-12-09
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

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 on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2022-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (IL)

I was late on paying my statement balance for XXXX XXXX by 3 days. Payment of {$1800.00} was due on XX/XX/XXXX but I made payment on XX/XX/XXXX. I also made full statement balance payment of XXXX for XXXX Statement before XX/XX/XXXX due date. 

Today I got charged {$25.00} as interest charge even though I am paying full statement balance every month, when I reached out to Chase credit card customer service I was told that this charge is residual interest for the the time I was late on my payment ( explained above ). I verified with the chat person that this charge is not for the three days I was late by but the " balance '' gets carried forward to next month and that even though I made full statement balance I was charged interest on it. 

I believe this practice is not right. I should be charged " residual interest '' for the 3 days I was late by but not the entire month. Please take a look at this. I can provide statements if needed.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2023-12-31
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: MIDFIRST BANK (OH)

I SPECIFICALLY REQUESTED THESE DOCUMENTS BELOW AND WAS IGNORED AND SENT THE SAME OLD COPY OF DOCUMENTS THAT I SOLELY SIGNED. I AM REQUESTING SPECIFIC DOCUMENTS AND THEY ARE LISTED BELOW : 1. The mortgage contract is void ab-initio because Midland Mortgage a division of MidFirst Bank lied and never intended to lend a single cent of their own asset or depositors money to the buyer ( XXXX XXXX XXXX XXXX 
A valid contract must have lawful or valuable consideration. The contract failed for anticipated breach. Midland Mortgage a division of MidFirst Bank never planned to give the buyer/borrower ( XXXX XXXX XXXX any valuable consideration. 

2. Midland Mortgage a division of MidFirst Bank breached all its fiduciary duties to the buyer ( XXXX XXXX ) and is therefore guilty of criminal breach of trust by failing in its good faith requirement. 
Midland Mortgage a division of MidFirst Bank concealed the fact from the buyer ( XXXX XXXX ) that it would be using the buyers ( XXXX XXXX ) promissory notes ; first to clear all the liens and encumbrances in order to convey clear title to the buyer ( XXXX XXXX ) and then use the second promissory note to obtain money from the Federal Reserve Bank or other institutions that by and sell mortgage-backed security. Midland Mortgage a division of MidFirst received up to three times the amount of money required to purchase the property and kept the proceeds to itself without telling the buyer ( XXXX XXXX ). 

3. Midland Mortgage a division of MidFirst Bank violated its corporate charter by lending credit or nothing at all to the buyer ( XXXX XXXX ) and then charging interests on make believe loan. Banks are only licensed to lend their own money, not other peoples money. Midland Mortgage a division of MidFirst Bank used the buyer ( s ) ( XXXX XXXX ) promissory note to clear the title which essentially purchased the property from the seller. This transaction is an ultra vires transaction because Midland Mortgage a division of MidFirst Bank has engaged in a contract outside of its lawful mandate. An ultra vires contract is void or voidable because it is non-existent in law. 

4. Everyone involved in this undertaking with Midland Mortgage a division of MidFirst Bank, starting with the loan or mortgage officer, the lawyers, the land title office and even the central bank are equally guilty by association by aiding and abetting Midland Mortgage a division of MidFirst Bank in its commission of its crimes against the buyer ( XXXX XXXX ) and the people who would eventually have to absorb all of the loss through increased taxes, etc. 

SEND THE SPECIFIC DOCUMENTS REQUESTED THAT WAS STATED IN THE DOCUMENTS THAT WAS SENT CERTIFIED MAIL NUMEROUS TIMES. IF THOSE DOCUMENTS CAN NOT BE PROVIDED THERE WILL BE FURTHER CONSEQUENCES. 

THANK YOU!
Consumer complaint received 2023-04-08
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: EQUIFAX, INC. (NV)

I submitted this complaint to update this suspicious information. Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXX Balance : {$870.00}.
Consumer complaint received 2023-08-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA (CA)

Opened an on line savings account with XXXX in XXXX, 2023. Promotion included a {$100.00} bonus if the account remained active for 90 days. Never paid by XXXX and they refuse to live up to their promotion, account still open.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Credit is in violation of 15 USC 6802- I have asked the creditor in a letter to Opt-Out of this information that is on my credit report and that it be removed from my credit file immediately. If this was not done, I will file a small claims legal action against this creditor, should this matter not be resolved by XX/XX/XXXX. 

They are in further violation of 15 USC 1681 & 15 USC 6802-6805. 
I am exercising my right to opt OPT-OUT having this reported on my credit file and also dispute that it even exists, as the amount was charged off. 

This creditor is now in violation of my consumer rights according to 15USC 6802 and is also in violation of the Privacy act of XXXX.
Consumer complaint received 2023-11-10
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX  and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-11-10
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)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 XXXX
Consumer complaint received 2023-09-28
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 is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-28
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: Experian Information Solutions Inc. (NJ)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2018-12-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MT)

I have student loans through XXXX. I have submitted documentation to re certify for the income based repayment plan. They denied and said I needed to send in my XX/XX/2017 tax info. I did do that online, but went ahead and sent it in again and I got conformation it was received. I was checking my account on line and I saw the payment was {$390.00}. So I called and talked to someone about the amount was too high. He suggested doing a forbearance and for the month of XXXX and by then the re certification should be done and payment should be lowered. So I agreed and hung up. I checked my account the next day it showed I owed {$280.00}. and my payment was late. Which was not true I made my payment early before the due date and the amount was {$190.00} which was the amount I have been paying for the past year or so. I called and talked to someone and told them the amount was wrong and there should be a forbearance and it should show that I do not have a payment due. He was trying to tell me I owed back payments from XX/XX/2017. I asked to talk to a supervisor and he would not let me and said he had it figured out and that was it. I later called back because I did not believe him. I talked to lady and she tried to tell me I was not paying the right amount and I told I was and asked her to look at my statements. The reason I figured I was being charged this {$280.00} was it states interest is being recapitalized such as when a loan goes into repayment or if there was a deferment or forbearance. So that what I could see. Which is a problem because I was not in any forbearance before I made these phone calls. The lady I was talking talked to her supervisor and it should not have been there and they were putting in for a reversal. So far it has not. The agents did not seem helpful and tried to accuse me of not paying the right amount of or saying I owed something I did not. I have had trouble with XXXX XXXX when I first started with them. I am part of the loan forgiveness program and they are my only option. So I am frustrated and disappointed. I hope someone can help me.
Consumer complaint received 2018-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (PA)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E.Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX I have unknown or fraudulent addresses, appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX XXXX XXXX XXXX XXXX, XXXX , PA XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX ,XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX. This 2nd tempt to remove the items and requesting a freeze.
Consumer complaint received 2023-11-10
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P. (AZ)

The first email I received explained that if I logged in to the portal, it would activate a new account and this very old acct would become new on my credit... So I never clicked on an attachment or respond. Everyday since, I get one to two emails... This company never misses a day. I've blocked and reported it as spam but they do not stop. Then I would just simply delete the emails but now I just leave them. I have over a hundred emails as proof.
Consumer complaint received 2023-12-31
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (GA)

In XX/XX/2023, I applied for the SAVE repayment plan. My monthly payment came to {$670.00} which is entirely too much, as we are a XXXX income household of soon to be XXXX. At the time I applied for this forgiveness, I had stated I was working, however, I soon quit that job. Even so, my husbands repayment amount was not nearly that high, his came to be {$50.00} per month. I do not believe this agency took the proper steps to ensure the amount that was given would work around our income.
Consumer complaint received 2018-12-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (AZ)

Citi bank ran a promotion for their checking & savings account. Per the terms, " Earn {$400.00} when you open a new checking and savings account in the Citi Account Package and complete the following requirements : Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. 
Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days '' My accounts were opened on XX/XX/2018 and funded with {$15000.00} on XX/XX/2018. I spoke to a Citi representative on XX/XX/2018 and below was XXXX 's response, " XXXX at XXXX, XX/XX/XXXX : Upon checking I see that you have deposited the {$15000.00} last XX/XX/2018 and part of the requirements is to keep it for 60 calendar days which will be completed on XX/XX/2018. The bonus will automatically be credited to your account 90 days from the completion date of XX/XX/2018 and that will be on XX/XX/2018. 
XXXX at XXXX, XX/XX/XXXX : The promotional code is XXXX. '' I reached back out to a representative on XX/XX/2018 to follow up on the bonus not posting and he informed me to wait two business days for my account to be credited. As of the end of today 's business day ( XX/XX/2018 ), I do not see a credit for {$400.00} in my account.
Consumer complaint received 2023-11-10
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 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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or 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 2022-09-21
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX