davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (GA)

This account has been paid in full {$21000.00} and no late payments were had. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states that I have a right to privacy. ( 15 USC 1681 ( section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a late payment on a credit card account under an open consumer credit plan as late for any purpose.
Consumer complaint received 2024-04-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC (NY)

XXXX XXXX XXXX XXXX Selene Finance, You are engaging in predatory lending practice by failing to pay my insurance in full. My insurance invoice is attached, the total insurance premium due is {$2800.00} and yet you willfully underpaid the insurance premium, specifically on XX/XX/2024, you only paid {$1900.00}, please paid the remainder insurance asap as soon as possible and you are responsible for all the late fees and insurance cancellation. 

Borrower reserves all rights, nothing is waived.
Consumer complaint received 2022-11-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

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. 

XXXXXXXX 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 HAS violated my rights. 

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

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

15 USC 1681c. Section ( A ) ( 5 ) 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 7 years.

15 U.S.C 1681S-2 ( A ) ( 1 ) states 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 2018-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

On my Equifax credit bureau report, there is a " hard '' inquiry listed by XXXX/XXXX  that is outdated. 

I have contacted both Equifax and XXXX in writing to have this old inquiry deleted from my credit report, to no avail. 

The FCRA ( Fair Credit Reporting Act ), passed by Congress, dictates that any inquiries on a consumer 's credit report that are outdated, must be deleted from his/her credit report.
Consumer complaint received 2024-03-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MI)

I initially applying for an IDR payment plan on XX/XX/XXXX. The plan continued to say it was in review up through XXXX this year. On Mohela my payment continued to be set at a " level '' payment plan and was about $ XXXX higher than what my IDR payment was supposed to be. I messaged Mohela a couple times about this and they sent back generic replies that did not address my issue. I first messaged on XX/XX/XXXX, their first reply to me on XX/XX/XXXX addressed nothing about the fact that I was still waiting for the payment plan to process : " We apologize for any inconvenience this may have caused. While servicing your loans, we are required by the Department of Education to establish a repayment plan that fully satisfies the principal and interest in the remaining term provided. Your account has been recalculated with the appropriate payment amount for the loan balance and remaining terms. '' At one point on my account I was being told of XXXX different amounts for monthly payments, one being a notification that I was set up for Auto-debit. I messaged on XX/XX/XXXX, their response to this on XX/XX/XXXX included, " As of this writing, our records indicate that your account is currently 7 days delinquent with a past due amount of {$310.00}. The next payment is due on XX/XX/XXXX. When an account is delinquent, phone calls and/or letters will continue until the account is current. '' Again, I messaged on XX/XX/XXXX saying that my initial payment plan application never finished processing. I informed them I would fill out a new application and wait for my account to update. This was their response on XX/XX/XXXX : " As of this writing, our records indicate that your account is currently 14 days delinquent with a past due amount of {$200.00}. The account is delinquent as of XX/XX/XXXX. When an account is delinquent, phone calls and/or letters will continue until the account is current. '' This has been very frustrating. I am unable to pay the {$500.00} payment they are asking right now, and it is not the payment amount I was told I would have when I filled out my application in XXXX. Their responses never acknowledged my IDR application, but I can see it on studentaid.gov under my acitivity.
Consumer complaint received 2018-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

this account belong to someone else please removed it from my credit report. 

XXXX XXXX XXXX XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$1200.00} Balance Updated - Credit Limit - Past Due Amount {$1200.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, FL XXXX Ownership Individual Original Creditor XXXX Company Sold-to - Original Amount {$1200.00} Comments - Payment History
Consumer complaint received 2024-03-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (FL)

XX/XX/2024 Dear MIDLAND CREDIT MANAGEMENT Per the FCRA as a federally protected consumer and as Per 15 USC 6802, a financial institution must provide a clear and conspicuous notice to consumers before disclosing their nonpublic personal information to nonaffiliated third parties also 15 USC 6802 defines a " charge-off '' as a " certificate of indebtedness ''. This means that a charge-off is a written document that acknowledges a debt and can be used as evidence of the debt in legal proceedings. meaning that a charge off is note debt since it is written off so you have no right to attack my credit. a charge off becomes a income and income can not be reported as debt.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Credence Resource Management, LLC (MA)

collection as well as loan accounts are on my credit file & should not be XXXX : {$2800.00} chargeoff XXXX XXXX XXXX XXXX {$840.00}
Consumer complaint received 2024-03-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CARRINGTON MORTGAGE SERVICES, LLC (WA)

we have been submitting all documentation as required by Carrington mortgage yet they only count what they want not what we have summitted and that is unfair our income has increase from {$4000.00} to {$7400.00} and and we send all the proof and yet not good enough they still ask for they same paperwork over and over and its recorded by there staff by our calls even there staff don't understand why they ask for same paperwork we don't understand they have made it so hard for us i have gone to the XXXX XXXX XXXX XXXX XXXX XXXXXXXX  they have caused me i have begged them to work with us all this time we have asked if we can make payment and they say no please help us by now they should give us the title to our home for all the grief we have been through i tried so hard we also applied with HAF but our mortgage wont work with us no matter what offer we make they say no please help
Consumer complaint received 2017-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have been wrongfully charged some overdraft fees even after depositing a check for {$6400.00} for my overdraft of a  few hundred dolla rs to that point. Even after that they have charged me another {$70.00} after my deposit.. In calling the bank today, the said they would continue doing so until the  XXXX  until funds could be verified. I deposited this check on the  XXXX  and they never have done this before. I  imagine the y will keep racking up these fees until this point until the  XXXX  even though i made this deposit. I understand I should not be able to go in and withdraw the {$6400.00} but in the past, if i deposited a check they allowed it to cover my overdraft.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (OH)

Ive reached out to this company exercising my rights to opt out of sharing my personal information with third party companies such as XXXX, XXXX and XXXX, to no avail FCRA as a federally protected consumer I am opting out of any and all authorizations, of sharing my personal information with any third party entity ( 16 CFR 313.7 ) - 16 CFR 433.2-433.3 Requesting to opt out any and all authorization. 15 USC 6802 ( b ). Opt Out
Consumer complaint received 2024-03-01
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: SYNCHRONY FINANCIAL (GA)

I was trying to buy a house and realized I had damages on my credit report. According to the 15 USC 1681 law, there should not be any damages on my credit report. It's a defamation to my character.
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I have sent over to all 3 credit bureaus dispute request to update my late payments to current for these accounts listed below. 

Due to The CARES Act, which was signed into law XX/XX/XXXX, XXXX amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis- but only under specific circumstances ( See 15 U.S.C 1681s-2 ( a ) ( 1 ) ( F ). ) ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period.

( II ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( XXXX ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.

( ii ) Reporting Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current; or ( II ) if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current.

( iii ) Exception Clause ( ii ) shall not apply with respect to a credit obligation or account of a consumer that has been charged-off.

Due to this law I fall within the accommodation '' and coverage period.

Late payments should not reflect my credit report during the periods listed in this law. I have asked for these late payments to be updated to as current or removed. I fell behind and was able to become current with both accounts.

I DO NOT WANT THE ACCOUNTS DELETED JUST THE LATE PAYMENTS. 

First reported late payment in XXXX, ( XXXX ) which is determined within the 120 days. Actual late payment began from XX/XX/XXXX. 


XXXX XXXX XXXX Dates : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-01
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (CA)

I returned a purchase of a washer and dryer at Lowes. I did the financials on the XXXX XXXX XXXX account. I paid XXXX dollars to Lowe 's. I returned the appliances. I got a return of {$2500.00}. I had to pay the creditor {$600.00} Synchrony even though I no longer had the appliances. feel like both Lowes and Synchrony are robbing me. I paid the bill because I didn't want my good credit ruined.
Consumer complaint received 2022-11-24
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: EQUIFAX, INC. (NJ)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need these items removed right away! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2023-05-07
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. (FL)

I notice some inquiries on my report that I did not authorize. Here are the list of inquiries 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 2024-02-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I have had problems in the past and my background checks are showing my XXXX  and arrest records that are XXXX XXXXXXXX. I do not have any XXXX  and I have turned my life to the XXXX and have been saved. But because of the background I am being turned away from job opportunities that can help me continue to change my life around. I am suffering with out being able to live Freed of my past and be successful in life because of the information provided is too much. It should only provide if I am an XXXX XXXX XXXX XXXXXXXX. I feel discrimination and untruthfullism in the facts that most employers don't discriminate. Did I waste my time being educated in the XXXX XXXX  field to only be turned away because of a XXXX?
Consumer complaint received 2024-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION (FL)

Opened the Account in XXXX Have not been charged a monthly fee until XX/XX/XXXX and XX/XX/XXXX Requested to have both fees refunded and downgrade the account to where I would not be charged Refund request denied Requesting the refund of {$20.00} in service fees as I was not charged them for several years, I don ; t recall being notified of any changes. I also received inaccurate information from the initial agent and needed to be escalated. I request that the tape be pulled and reviewed for validation of my statements.
Consumer complaint received 2024-03-05
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)

On XXXX XXXX Bank increased my XXXX credit card from {$2600.00} to {$8000.00}. One week later, XXXX Bank reduced credit from {$8000.00} to {$2600.00} without any legitimate justification. 

My balance was already at {$2500.00}. Now I have a 97 % high credit utilization because XXXX Bank maxed out my credit limit by reducing my credit line from {$8000.00} to {$2600.00}. 

As a result, this has caused my credit score has dropped over XXXX points on Experian, XXXX, and XXXX credit bureaus. My account is in good standing. I have no delinquencies. Please force or advise Experian, XXXX, and XXXX to give me back my XXXX points ( or more ) that was a result of my 97 % high credit card utilization ( based on XXXX Bank XXXX Credit card ). 

Although a bank has a right to lower/increase credit, lowering my credit negatively impacted my credit score on Experian, XXXX, and XXXX. My credit score shouldn't have decreased when my account was in good standing.
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I have sent over to all 3 credit bureaus dispute request to update my late payments to current for these accounts listed below. 

Due to The CARES Act, which was signed into law XX/XX/XXXX, XXXX amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis- but only under specific circumstances ( See 15 U.S.C 1681s-2 ( a ) ( 1 ) ( F ). ) ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus XXXX XXXX ( COVID19 ) pandemic during the covered period. 

( XXXX ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( XXXX ) 120 days after the date on which the national emergency concerning the novel coronavirus XXXX ( XXXX ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.

( ii ) Reporting Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current; or ( II ) if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current.

( iii ) Exception Clause ( ii ) shall not apply with respect to a credit obligation or account of a consumer that has been charged-off.

Due to this law I fall within the accommodation '' and coverage period.

Late payments should not reflect my credit report during the periods listed in this law. I have asked for these late payments to be updated to as current or removed. I fell behind and was able to become current with both accounts.

I DO NOT WANT THE ACCOUNTS DELETED JUST THE LATE PAYMENTS. 

First reported late payment in XXXX, ( XXXX ) which is determined within the 120 days. Actual late payment began from XX/XX/XXXX. 


XXXX XXXX XXXX Dates : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated (CA)

A collection was placed on my XXXX & XXXX account by a Consumer Adjustment Company Incorporated who has not provided me with a verified debt, original documentation or even provided me with notice that they own the debt. The first I have heard of this company was on my credit report. The Company is stating they are collecting a debt on behalf of XXXX XXXX, but I've only ever own two memberships by XXXX XXXX and both are currently active. ( Please see attached documentation )
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX