davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX Account Number : XXXX ; XXXX XXXX  XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXXXXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

It has come to my attention, that XXXX XXXX XXXXXXXX XXXX from XXXX has transfer an account to XXXX XXXX XXXX. Immediately after I have put them on notice of Identity Theft. See FTC report # XXXX attached. XXXX XXXX XXXX is refusing to discuss my concern about their acct # XXXX, balance {$2200.00} Without first verifying the information they have on file. How can I verify information that doesn't belong to me? 


Debt Collection Practices laws 15 USC 1692c., 15 USC 1692d., 15 USC 1692e. , 15 USC 1692f, 15 USC 1692g., and 15 USC 1692j.
Consumer complaint received 2016-05-07
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (LA)

Nation star mortgage increased my note by {$420.00} saying my insurance was going to go up in XX/XX/XXXX so they had to get the money to cover the increase. Just talked around in circles trying to explain this is XX/XX/XXXX why would my insurance company call you and tell you my insurance was going up next year? XXXX!,,, I now pay {$1100.00} a month in escrow.. Ridiculous!!!!
Consumer complaint received 2022-10-19
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts 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
Consumer complaint received 2022-12-13
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. (KY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-28
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NY)

Discover closed my credit card account without informing me. I couldn't use the card to make a purchase when I have been paying my bill on time every month. So I called Discover and found out that they closed my account and told me that they have sent an email about it. I receive over 100 emails a day how was I supposed to keep a record of emails? They didn't call me or left me any voice-mail regarding this. Upon checking my email I saw that there was a very unclear email staying " we need your consent to verify your income from IRS ''. I update my income every time as soon as I start working a second job to keep it up to date. I update it on all my credit card accounts immediately to avoid this issue. I find it very frustrating that no one was able to help me out when I called customer service and kept transferring me over to different agents. No one had a clue as to why the account was closed or had any control over it. This is not the first time it happened to me. Discover have tried closing my account before for the same " verification " reason as well. I work for a bank myself. I do understand the compliance policies and procedures but what Discover is doing to me is not due diligence or a compliance policy it's discrimination at this point. This is not the first time I have been disappointed and inconvenienced by discover 's unprofessionalism. And top of it they are threatening me to report my account to the credit bureau which was being paid for in time every month. I would like to sue discover for causing me this much inconvenience and trying to purposely hurt my credit score. I feel like I'm being targeted.
Consumer complaint received 2023-09-28
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 according with the fair Credit Reporting Act XXXX  Account # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furbish an account without my written instructions.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In according with the fair Credit Reporting Act XXXX  Account # XXXX ( XXXX XXXX XXXX XXXX XXXX ), has violated my rights.

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furbish an account without my written instructions.
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

I reached out to Experian XXXX  times to rectify the issue and they refuse to remove inaccurate information from my consumer report. They have names, addresses, employers, and a spouse/co-applicant listed that I am not associated with. 

These names need to be removed : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. The correct spelling of my name is XXXX XXXX XXXX is my middle initial and the only middle initial I have. 

The addresses listed needs to be removed : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My only current address is XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX Spouse/co-applicant needs to be removed : XXXX. I am not married to nor have I done an application with anyone named XXXX. 

The employers listed need to be removed : XXXX, XXXX, XXXX, and XXXX CUSTOMER MANAGEMENT. 

This information is not accurate and needs to be removed. Inaccurate information reported on my consumer report is damaging.
Consumer complaint received 2023-09-28
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. (NY)

I write this letter with an overwhelming and enduring sense of frustration, distress, and annoyance that has festered over the excruciatingly long period of more than two years. It is an outrage that I am compelled to address an issue of such gravity in this manner. For over two years, I have pleaded, cajoled, and implored your bureau to acknowledge my identity theft claims. Yet, your obstinate refusal to do so has persisted, subjecting me to an inexcusable ordeal that defies comprehension. The relentless nightmare of identity theft has cast a shadow over my life, causing immeasurable distress and heartache. Despite the irrefutable evidence I have provided, including official reports filed with law enforcement agencies, your bureau has chosen to ignore my pleas for justice. XXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX. Please delete these accounts immediately.
Consumer complaint received 2023-08-04
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. (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 USC1681.

these accounts 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A section2 : It also states that a consumer reporting agency can not furnish 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 iteams of information Any other adverse item of information, other then records of convictions of crime which antedates the report by more then seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shaqll not furnish any information relating to any consumer reporting agency if the person knows or has resonable cause to believe that the information is inaccurate.

15 U.S.C 1681i-5- reinvestigate
Consumer complaint received 2022-10-19
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. (WV)

The bellow 2 accounts were added to my credit file only once they went to collections. I didnt open either of these accounts and only discovered them in XXXX of XXXX. Both accounts are fraudulent and have been reported to identitytheft.gov. 

1st fraudulent account Originial creditor : XXXX XXXX XXXX Account # XXXX Amount owed : {$13000.00} Placed in collections : XX/XX/XXXX 2nd fraudulent account Originial creditor : XXXX XXXX  Account # XXXX Amount owed : {$2700.00} Placed in collections : XX/XX/XXXX 22
Consumer complaint received 2023-06-05
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-09-05
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: EQUIFAX, INC. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX 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 2024-03-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IL)

In XX/XX/XXXX when the student loan pause ended, Mohela notified me that they were charging me about {$1500.00} a month in repayment. I notified Mohela in writing that I can not afford that payment. When no response came within 4 weeks, I phoned Mohela. During the XX/XX/XXXX call, a new payment plan was set. The new monthly payment was around {$350.00} a month. When statements arrived, the bill did not reflect the new plan. It was the original plan. I sent several messages. When I received responses, Mohela instructed me to call, despite the fact that I asked for the exchange to stay in writing. With no further reply from Mohela, and knowing that a XX/XX/XXXX deadline to self certify was approaching, I called Mohela again. During the XX/XX/XXXX call, I advised that my spouses annual salary decreased. A new payment plan was calculated, putting my monthly payments at around {$250.00}. After the call, I received a notice online from Mohela that they refused to honor the new plan due to an increase in salary or a change in household dependents. I explained in writing that neither was true. If they were counting household decrease, we lost an adult child to XXXX in XXXX, but we did not claim her on our taxes. 
Mohelas reply was a garbage response, saying to call them. Again and again I said I preferred to keep our communication in writing. I have all the messages in my Mohela account. I asked them to honor one of the plans agreed upon during the last two calls. I mentioned the governments invitation to testify and stated that I am a borrower willing to pay. All Mohela has to do is lower my payments and honor one of the agreements made over the phone. Mohelas last message to me was since my situation is so complex, I needed to call. Again, today, I replied that calling is too risky for me because the company does not honor agreements made over the phone. I also said that the situation is not complex. Just honor a pre-agreed plan. I even made an extra payment online. However, even though my loans are on forbearance, if I try to pay less than what they want, Mohela forces borrowers to check a box acknowledging your credit can be ruined by paying less. Refusing to check that box left me unable to make a payment on some loans.
Consumer complaint received 2023-11-09
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: Nelnet, Inc. (GA)

Can you please delete the follow late payments on the following accounts XXXX XXXX XXXX Account XXXX as this late payment was in error. 

XXXX XXXX XXXX with late payments in XXXX & XXXX 2018 as this account was closed. 

DEPT OF EDUCATION/NELNET with late payment in XXXX of 2018 as this account was deferred and late payment should not have been charged.
Consumer complaint received 2023-09-04
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

I was charges an interest fee of over {$500.00} plus a monthly interest rate that accrues daily. I was told i would be interest free for 1 year. I was not told it would be interest deferred. Now it seems that the Best Buy Visa card ( provided by Citi Bank ) is double charging me interest payments. On which is being added as the yearly rate to be paid in full of over {$500.00}, and the other is the expected interest rate attached to the principal payment as a monthly fee. I called the company they said they will not send me the agreement form and that I could go to best buy and ask them for it. The company said that they will not remove the fee and i am expected to owe them the additional XXXX XXXX as it is interest owed for not paying interest for a year. I told them it was supposed to be interest free they said I was. They also said since I didn't pay the card down the were back charging me for the interest. I explained that is interest deferred not interest free. 
This seems like deceptive trade practices and I'm certain I'm not the only person they have done this to. This additional fee of over {$500.00} is un acceptable and needs to be corrected. I understand the minimum amount increasing due to interest kicking in however I should not be charged an additional years worth of interest on top of the expected monthly interest fee.
Consumer complaint received 2023-09-04
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. (FL)

I am writing to file a formal complaint with the Consumer Financial Protection Bureau regarding unauthorized inquiries on my credit report. I have previously sent a letter to Experian requesting the removal of these unauthorized inquiries, citing violations of the Fair Credit Reporting Act ( FCRA ). I have enclosed a copy of the letter and my FTC report as evidence. Despite my efforts to rectify this issue directly with Experian, I have not received a satisfactory resolution. I am seeking the CFPB 's assistance in ensuring that my consumer rights under the FCRA are upheld and that these unauthorized inquiries are promptly removed from my credit report. 

This paragraph succinctly outlines the issue and your previous efforts to resolve it with the credit reporting agency before seeking the CFPB 's assistance.
Consumer complaint received 2018-04-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (MD)

On XX/XX/XXXX I financed a car through Credit Acceptance Corp. A small car deaIership XXXX XXXX XXXX but all the paperwork has XXXX XXXX XXXX. I was told the cash price was XXXX then I was told the price of this car was XXXX, but if I financed it. The finance company makes the amount based on the XXXX XXXX value. I was charged XXXX as well as they included GAP insurance which I didn't agree on for XXXX. One XX/XX/XXXX the check engine light came on as well as the passenger airbag disabled. I texted the salesmen a picture and told him I was not satisfied with this car. He said call the service department. On XX/XX/XXXX the car lost power on the beltway about 50 miles from my home. I had the car towed to the nearest repair shop for diagnostic {$170.00}. The repair shop called the car has water damage to one of the main computer modules and the 02 sensor needs repairing the total cost is XXXX. Not to mention the passenger and exterior light problem light. The servicemanager/owner has requested that I have this car towed back to him at my expense which is XXXX. He will look at it and honor his 50/50 limited warranty. which I would have to pay half as well. CAC said I'm still obligated to pay for this car.
Consumer complaint received 2023-11-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (CA)

On XX/XX/2023 a balance transfer was sent from XXXX XXXX to XXXX XXXX XXXX XXXX in the amount of XXXX I contacted XXXX XXXX to inform them that the transfer was sent to the wrong account number. A representative from XXXX XXXX told me that the money would be sent back if the account number was not correct and they would be able to reissue that balance transfer. Months went by and I contacted both XXXX XXXX and XXXX XXXX XXXX and no one could find the money. Investigation after investigation and still no money was found. It is XXXX and now I have been paying two credit card companies instead of one.