davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, 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 2023-05-24
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: KEYCORP (PA)

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX Email Address : XXXX You are in Direct Violation Of The Fair Credit Reporting Act ( Account Name & Number # ), had the violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : its 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. Remove these lates payment and update this account immediately as you are in direct violation of several law under the Fait Credit Reporting Act
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a XXXX party The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Transunion has held my credit rating at XXXX by using data going back 17 years which has cost me a healthy sum of money because of higher interest especially for major purchases/rentals. In fact I have had to pay what amounts to almost twice the purchase price of something like a car.
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Department of Education states that my loan was transferred to ( XXXX ) and that any delinquencies would be deleted off of my credit report. I have a letter from XX/XX/XXXX showing these corrections will be made and now we are in XXXX of XXXX and they are still showing on my account. Can you please help in getting these removed from my credit. Thanks
Consumer complaint received 2016-10-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (GA)

We paid off our mortgage loan with Nationstar Mortgage on XX/XX/2016 and overpaid by {$190.00} in interest. As of XX/XX/2016, still no word and no refund check from Nationstar. 

Now imagine being late on your mortgage payment.
Consumer complaint received 2023-05-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: OneMain Finance Corporation (TX)

In 2022 I did what I thought was essentially a refinance loan. I was looking to refinance my vehicle that had a lien from another company. OneMain explained that they would pay off my old loan, include some cash from the equity, and roll that into a new loan with them. What they did not make clear was that what I have is not an auto loan, even though it is a loan for my auto. They falsely advertise on their website, XXXX, and at the time XXXX XXXX as auto loans. they do not make it clear at the time of origination that coding the loan as a personal loan listed under " other '' that an auto refinancing company wont touch it. 
I understood I was getting into a loan that was a higher interest rate, that could make the loan price higher than the value of the vehicle, but the representatives used words like refinance and auto when describing the loan making me to believe that the loan was something it is actually not.

when signing, I asked if I could refinance later and they said yes. Well after 12 months I figured this was a good time to look into refinancing but not only will no other company refinance this loan but the representative at OneMain said " they don't do that '' that I am not able to refinance into an auto loan within the same company. I pointed out that the company advertises as auto loans and he said " sometimes they do that '' but that I can not. 
This is predatory because it removes the freedom of the consumer to choose their financial products. They essentially trap their customers by misleading them, and making sure that they can not refinance out of the company because of the way the loan is listed on the credit reports. 
My credit and vehicle type fit the requirements for a refinance loan from XXXX but because my loan isn't listed as auto on my credit, they will not refinance it. Had I known that I would not have refinanced ( even though that's not what it actually is ) with them.
Consumer complaint received 2023-02-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

I have had my bank account frozen and fraud reports twice recently. 
Once on XX/XX/2022 for {$180.00}, {$570.00}, and {$350.00}. These transactions were not stopped until another {$180.00} purchase was made and then I was notified about these transactions. Being a XXXX XXXX, this almost wiped out my funds and although I did receive a reimbursement for the funds it took about a week, causing it to be very difficult to afford rent at the end of that month and go grocery shopping. 
Again in late XX/XX/2022 I had another incident, luckily this time I caught the pending charges and was able to have them reversed before money was taken out of my account. I am very careful with my card, so having it stolen twice in such a short period time without physically loosing the card did not seem right to me.
Consumer complaint received 2023-05-23
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (WI)

I bought a shirt at Torrid for XXXX dollars and I was 2 days late on the payment which I paid at the store. I was assessed a late payment fee which I attempted to pay over the phone twice. For some reason my 2 payments did not go through so I went into the store to pay the late fee. My present balance is all late fees and minimum payment fees related to the late fee. I do not believe I owe anything. Also my debit card was hacked at the same time. Comenity bank would not work with me they just sent my XXXX balance to a collection company and reported it on my credit report. It was their fault because they did not process the payments correctly and possibly their employee stole my debit card number.
Consumer complaint received 2023-03-25
Product: Credit card or prepaid 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: Bread Financial Holdings, Inc. (NC)

I have been a loyal customer of XXXX XXXX clothing for the last few years and have a credit card associated with XXXX XXXX ( and COMENITY BANK ) and the chain of online store brands they are a part of. When reviewing my XX/XX/XXXX statement, I noticed two charges that I did not make for XXXX The first was for some kind of 'pullover ' at XXXX XXXX  for {$90.00} and the second was a 'skirt ' at Woman Within for {$60.00}. I called XXXX XXXX Credit Card immediately ( early in XXXX after initially seeing these charges ) and reported the charges and asked to dispute them. I gave the information that was showing on my online XXXX XXXX account at the time ( an address and a name for delivery that were NOT MINE ). I was told this was being disputed and that I should receive an answer through the mail within 90 days. Late in XXXXXXXX- this month, I received a letter in the mail that was vague and just asked me if I agree to pay the charges and gave me an address where I could respond if I wanted. My order history was deleted from my online XXXX XXXX account immediately after reporting this in XXXX so I can not get that information and mail it to the given address even if I wanted to.
Consumer complaint received 2020-12-20
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (CA)

Santander Consumer USA should have removed the account off of my credit report and forgiven the loan due to their subprime loan predatory practices. I purchased the car from XXXX and was financed through Santander in XXXX of XXXX and had already had a vehicle with XXXX that had a car payment of over {$350.00}. They did not ask for proof of income or verification of income. Santander could see on my credit report that I already had an auto loan that was behind on payments and the amount of that loan. They still approved for the loan with little down but the interest rate was super high. The payment amount was about XXXX and added with my other car payment the amount was over {$800.00} for two cars. I tried to make arrangements with Santander back in XXXX of XXXX because I was several months behind and was in default. Then the wildfires began in my area and prevented me from being able to work but they would not help. 
Then I see that there was a class action against them with 33 other states involved and that notices would be sent by the end of XXXX as of today I have not received one as I believe I qualify. My address has changed. I want them to remove the loan from my credit report asap.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

My student loans were discharged by the IRS via 1099-C, I have received copy B for debtor stating that I received this form because a Federal Government agency or an applicable financial entity ( a creditor ) has discharged ( canceled or forgiven ) a debt you owed, or because an identifiable event has occurred that either is or is deemed to be a discharge of a debt of {$600.00} or more. As a result, these loans should no longer be reflected on my credit report, as they are no longer applicable to my financial obligations. However, upon reviewing my credit report, I discovered that these discharged student loans are still listed, which is adversely affecting my credit score.

I have attached documentation supporting the discharge of these loans. I request that the inaccurate reporting of these loans be promptly removed from my credit report to ensure its accuracy and fairness.

I would like to highlight that this erroneous reporting also constitutes a violation of The Family Educational Rights and Privacy Act ( FERPA ) 20 USC 1232g ( b ). Enacted in 1974, FERPA is a federal law designed to protect the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. As such, the inaccurate reporting of my discharged student loans violates my rights under FERPA, and I expect that appropriate actions will be taken to address this violation.
Consumer complaint received 2022-05-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (PA)

On XX/XX/XXXX a company employee was attempting to fix an issue that had been outstanding for six months. While she was ultimately successful in resolving that issue, another issue was created. In the fall of XXXX money intended for the escrow account was paid toward the principal. When they were finally able to refund us the money, whatever they did internally showed our XX/XX/XXXX payment as late even though they show it was received on XX/XX/XXXX. So, even though that has not been reported to a credit bureau, someone reviewing the file in the future may think we made a late payment when in fact Caliber only applied it late. We want our file to reflect that not only was the XX/XX/XXXX made on XX/XX/XXXX, but that it was applied to our account on time. 

What Caliber has done is report an increase in our balance to the the credit bureaus. So, they erroneously applied an escrow payment to our principal, then we they return it to us report that our loan balance has gone up! My credit score dropped 14 points due to this reporting.
Consumer complaint received 2023-05-29
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)

I filed a dispute against an account on my consumer report. The consumer reporting agency responds that the account was verified. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Pursuant 15 USC 1681a ( e ) : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
If you verified this debt, I would like to know who did you speak with? Who did you interview along with their names and addresses? Name of neighbors and/or friends you spoke with? Please provide all factual and detailed descriptions with this exact information. The consumer reporting agency failed to comply with this request and continues reporting inaccurate information. 

Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX XXXX {$840.00} XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX {$550.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$510.00} XX/XX/XXXX XXXX XXXX XXXX {$340.00} XX/XX/XXXX XXXX XXXX {$200.00} XX/XX/XXXX XXXX XXXX  XXXX {$480.00} XX/XX/XXXX XXXX  XXXX {$6900.00} XX/XX/XXXX XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX {$3200.00} XX/XX/XXXX XXXX XXXX {$6900.00} XX/XX/XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX {$1300.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-21
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. (IA)

I called the credit reporting agencies and let them know that the account in the document included below are not supposed to be reporting a late payment. I never gave them written consent to report them. 

According to U.S. Code 1028A- Aggravated identity theft Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.
Consumer complaint received 2021-01-08
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. (GA)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2023-05-21
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. (GA)

I noticed damages on my credit report. According to the 15 U.S.C1681 law, there should not be any damages to my report. This is a deformation to my character!
Consumer complaint received 2023-05-21
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. (NY)

In accordance with the fair credit Reporting act these companies ; XXXX  XXXX XXXX, XXXX XXXX # XXXX and XXXX  # 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 2017-07-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MO)

I bought my home in XXXX from Gmac Since then it has been sold 2 times to home comings and nor XXXX.
My husband passed away, the loan is my loan only in my maiden name. Last year I noticed they had my load dated as a sign date of XXXX. I never went or signed a new on this home. I put XXXX down and they basil have me back at where I started. I should be only paying the loan no interest at this point. I asked for original loan document and they sent me a copy of a letter with my married name signed. I never signed unsee my marrieded name and I did not marry until XXXX  and they dated it XXXX.
I have been late each month to get to talk to someone because calling them Did not work!! I never refinanced I never pulled out any money on load. The goal was to mortgage free.
Now I have insurance damage to my home. My insurance has sent me checks for a lot of money. Spoke with Ocwen they said my load had to be up to date. I explained why the late fees. They said it has to be up to date. So I paid all late fees. Went to check my mortgage payment went through with all late fees pain. When I called they tried to say I owe another XXXX in late fee to put my money the money to fix my home that I have pain insurance on with the state farm from the first day I bought home. They also have never sent me a escrow overpay. As of XXXX my escrow has the full amount for my taxes yet they are charging me for it. They also changed the loan payment now Please help They are crocks and my home should not cause this much stress.
Name on account is XXXX XXXX Note that they sent has my married signature of XXXX
Consumer complaint received 2020-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lending Club Corp (TX)

I was on a deferment plan because if covid 19- i was reported as being on the plan on credit report with all payments on time. All of the sudden now they reported late payments 2 times this year. I have tried my best to call them and explain and ask for help.i also made all if my payments as they asked me to eventhough i was unemployed, just to keep my credit clean. I need someone to help remove the lates because i feel i have been wronged. I have called them consistently to make sure whatever they tell me to do will keep my credit clean - whatever they tell me i would do as far as minimum payments to keep report clean until i regain employment. Please help.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$890.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.