davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-24
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. (TX)

In accordance with the Fair Credit Reporting Act. The following accounts are violating my rights. 
XXXX XXXX XXXX : Last reported : XX/XX/2022 Open balance : {$3100.00} XXXX XXXX XXXXXXXX XXXX : Last reported XX/XX/2022 Open balance : {$700.00} XXXXXXXX XXXX XXXX  XXXX TX : Last reported XX/XX/2022 : Open balance : {$430.00} XXXXXXXX XXXX XXXX  XXXX XXXX : Last reported XXXX XXXX, XXXX  : Open balance {$250.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  : Open balance {$230.00} XXXX  XXXX XXXX XXXX : Last reported XX/XX/2022 : Open balance {$62.00} 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 an account without my written authorization.
Consumer complaint received 2019-10-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (MI)

Wells Fargo policy to pre-date updates to mortgage process so they can list as borrow delinquent delay when posted. 
Wells Fargo policy to allow underwriters to issue updates to mortgage terms in the names of the originators without notifying the originators or the borrower. 
Wells Fargo policy to request new borrower information every few days to delay loan processing. 
Wells Fargo policy to use data provided with the original loan application to justify a " bait-and-switch '' loan on the day of closing. New loan terms doubled the down payment and increased the percentage over 2 % on the day of closing. 
XX/XX/2019 increased loan down payment by {$2200.00} because " loan to value '' changed. The only change was a concession from the seller of an additional {$2500.00} as a result of a home inspection. The reason was not conveyed to the borrower until XX/XX/XXXX, and then only because of numerous emails and calls from the borrower. 
XX/XX/2019 ( day of closing ) increased down payment by 100 % and added over 2 % to the interest rate. This information was only provided because of numerous telephone calls from the borrow requesting information on why Wells Fargo had NEVER contacted the closing agent. 
Wells Fargo policy to lie to borrower and to withhold communications. 
Wells Fargo policy to use internal investigations to establish new lies to try and justify previous lies and non-communication.
Consumer complaint received 2022-05-24
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. (TX)

In accordance with the Fair Credit Reporting Act. The following accounts are violating my rights. 
XXXXXXXX XXXX XXXX  : Last reported : XX/XX/2022 Open balance : {$3100.00} XXXXXXXX XXXX XXXXXXXX XXXX : Last reported XX/XX/2022 Open balance : {$700.00} XXXXXXXX XXXX XXXX  XXXX TX : Last reported XX/XX/2022 : Open balance : {$430.00} XXXX XXXX XXXX  XXXX XXXX : Last reported XXXX XXXX, XXXX  : Open balance {$250.00} XXXX XXXX XXXX : XXXX XXXX XXXX  : Open balance {$230.00} XXXX  XXXX XXXX XXXX : Last reported XX/XX/2022 : Open balance {$62.00} 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 an account without my written authorization.
Consumer complaint received 2022-05-24
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. (MD)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need this account deleted or updated. 
This is the item I demanding to be deleted immediately :
Consumer complaint received 2022-05-24
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: EQUIFAX, INC. (PA)

My name is XXXX XXXX. On XX/XX/2022, I sent an FTC Report, my State ID, and 15 USC 1681c-2 to Equifax by Certified mail. I am a victim of identity theft.
Consumer complaint received 2022-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge 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. (ID)

I have valid charges totaling {$120.00} with Comentity. I called to make a payment and ask for a {$29.00} fee reversal. I was advised they would credit {$15.00} and I gave them my account info to pay {$68.00} which included interest charges. I was advised the remaining full balance was approx. {$130.00}- they could not give me an exact amount. So I went online with my bank and XX/XX/XXXX {$130.00} was taken from my account. On XX/XX/XXXX {$130.00} was returned. When I called Comenity they said it was an incorrect account number, I asked them to reapply the payment. They said they would research it and sent me a letter and said not to pay the acct in the interim. Now my bill is {$190.00} and my credit reports are showing me past due. I just want to pay the {$120.00} and no more than one fee. This is unreasonable. You can not get thru to either Comenity bank phone number -- they tell you at each prompt, that you have reached an unworking number, you can only go into their pay by phone feature where they force you to say you can not pay zero, or you can not move forward in the system. This is UNETHICAL!
Consumer complaint received 2022-05-24
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. (OH)

In accordance with the Fair Credit Reporting act XXXX Account, 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. 

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. 

This account has late payments showing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2024-03-13
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: EQUIFAX, INC. (SC)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2023-08-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frost-Arnett Company (CO)

I am trying to dispute a debt that is owed that does not exist. I have tried to contact the company but havent been able to contact them via email. I received XXXX on XX/XX/2022 and received a bill from XXXX XXXX  that I subsequently paid on XX/XX/2022. They also do not have an email I can communicate with them through, they will only provide one if I agree to their terms of service which I do not agree to.
Consumer complaint received 2022-05-24
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. (WI)

I sent letters off on XX/XX/2022. Here are my tracking numbers ( Experian ) : XXXX. Tracking number ( XXXX ) : XXXX. Tracking number ( XXXX ) : XXXX. I want to remove personal information that I don't want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681, I have the right to privacy. Also, according to 15 USC 6802, no financial institution is to share my information to third parties. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2023-10-30
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: FC HoldCo LLC (LA)

I pulled my credit report and noticed some inquires that I did not authorize. On my XXXX report, there were the following inquiries that I did not authorize flagship credit aceptan, and XXXX XXXX XXXX XXXX. This showed it was done on XX/XX/2023. 
On my XXXX report, I show the following inquiries ; XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX again, and XXXX XXXX  on XX/XX/2023. I did not authorize these. On my XXXX report, I show the following inquires were done on XX/XX/2023 that I did not authorize : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX.
Consumer complaint received 2022-05-24
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. (MN)

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 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 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 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (NY)

My credit profile is showing that I have an open account and balance with Nelnet. Nelnet is no longer my student loan provider. My Nelnet account is closed and has a XXXX balance because my account has been transferred to XXXX. The issue I am having is that my credit report is showing 2 student loan account and balance. My credit reports shows a student loan balance of over {$100.00}, XXXX when it should only show a balance of around {$52000.00}. I have disputed the balances with all 3 credit bureaus but my account won't update to reflect the correct information. I only have 1 student loan provider and that is Nelnet.
Consumer complaint received 2022-05-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (GA)

In XXXX of XXXX during the merger of Suntrust with BBT there were withdrawals from our account to unknown commercial entities. Suntrust corrected this, but no explanation was provided so we decided to switch to another bank. 

In XXXX of XXXX, we closed our accounts at the new merged Truist. In XXXX of XXXX, Truist allowed an automated debit to a closed debit card. In XXXX of XXXX they sent us a notice that we owed this charge plus a fee totally about {$32.00}. 

This we paid in early XXXX of XXXX. Then in late XXXX, they sent us another notice we still owed {$55.00}. This we also paid. 

When we log in to the accounts they still show as open. 
We want the account to be closed nor do we feel we owe them for the charges of {$32.00} and {$55.00}.
Consumer complaint received 2022-05-24
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. (PA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Pennsylvania has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 ; It also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2023-10-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

As stated during my initial complaint on XX/XX/XXXX ( Complaint Number : XXXX ) MOHELA is engaging in fraudulent business practices, financial extortion, and fiduciary fraud. This was excellently highlighted via adjudication by the DoE via withholding of $ XXXX from MOHELA in punitive damages. 

However, upon completion of a full forensic audit and investigation, it was determined that MOHELA is also acting as a runner, capper, and / or agent for a legal firm. Specifically, MOHELA is acting as a runner, capper and / or agent for XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX This was confirmed via notarized legal documents received from XXXX XXXX XXXX on or about XX/XX/XXXX. 

This is illegal under Cal. Bus. & Prof. Code 6151 as well as CA Rule 7.3 Solicitation of Clients.

Please see attached 2015 evidence where MOHELA verbally stated to its international investors that they were intending to used bundled student loans as fiduciary assets via sweep accounts through the U.K.
Consumer complaint received 2022-05-24
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. (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. 

Accounts : XXXX XXXX opened : XXXX XXXX {$2800.00} XXXX XXXX opened : XXXX XXXX {$110.00} XXXX XXXX XXXX  opened : XX/XX/2018 {$3100.00} 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 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX sued me back in XXXX. I agreed to a settlement prior to a judgment against me with XXXX XXXX XXXX XXXX. I made my payments. in XXXX I moved from Colorado to Florida. I tried to make my last few payments to XXXX XXXX and they told me that i they no longer were able to take my payments. spring forward XXXX  years. I am trying to make some repairs on my home. I apply for a loan. The judgment appears on my credit report and now I am not able to get a loan. My report says it is a judgement and it was never ruled a judgement by the courts in Colorado. In addition, I made all of my payments on time as directed by the settlement. XXXX XXXX stopped servicing my payments in XXXX. I never knew this was on my credit report as I did check all XXXX credit agencies periodically.. Now I have a judgment that should not be there and no way to figure anything out as XXXX XXXX is in Utah and has no information except that XXXX took everything back from them and now shows the full amount before payments and settlement agreement.
Consumer complaint received 2022-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

EXPERIAN sent out a letter giving FALSE information to XXXX XXXX. 
Attached is the letter sent to XXXX by EXPERIAN. 

As of XX/XX/2022 Experian stated that key factors that adversely affected my credit score were : Lack of recent installment loan information ..... Which is FALSE! I have over XXXX of credit history with no late pays or negative information. 

Time since most recent account opening is too short .... Which is FALSE! 

Too many accounts with balances... Which is FALSE!... I have just a couple of accounts with small balances that are normally PAID IN FULL EVERY MONTH!!! 

Too many accounts recently opened ... .. FALSE! I recently opened an account with XXXX for approximately {$23000.00} and paid it off within 30 days. 

I have worked hard to maintain an EXCELLENT credit score ( approx : 840 ) and don't need it trashed by Experian giving out FALSE information! 

Furthermore .... it is IMPOSSIBLE to have the opportunity to talk to someone from EXPERIAN. I have notice over the years, a lot of info in my report was inaccurate.
Consumer complaint received 2022-05-24
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

I have been disputing accounts with Experian, XXXX and XXXX in the last 2 months, The have not yet conducted an investigation nor the comments read " in dispute. '' They are now in violation of the FCRA
Consumer complaint received 2022-05-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MI)

I'm recently divorced and lost almost everything but this house. During Covid I took advantage of the deferred house payment that they offered me. In that time I was able to pay off the debt that I'd accumulated from the divorce and had moved my credit from XXXX up to over 700. In XXXX they sent me a modification that arrived at my house on XX/XX/XXXX, and it had to be back by the XXXX. I was traveling for work and was gone that entire week. My ex-wife 's name was on the Deed and not the loan so I couldn't turn it around in such a short time. Meanwhile I made the XXXX payments that they asked during the " trial '' process. They then offered me a second modification in which I had to get a Quit Claim Deed signed by my ex-wife. I did everything on time, but they said that the QCD, wasn't registered in the courthouse. I proved to them through emails that it was and sent them the appropriate documentation. Each time I called them, I was told something different, " we've got everything '' the next time it was " we are missing the QCD ''. So onto round 3 of the modification, and my interest rate went from 2.875 % up to 4.5 %. As I was working through this, they chose to report to the credit agency that I've missed my payments. Which I've never done. They NEED to Fix my credit, so I can take my business elsewhere. At this point, nobody will touch me because my credit is in the low 600 's or high 500 's. They literally are destroying me and any opportunity to work with other banks. I've got pages of documentation and they record each and every call that I've made, and nobody will listen. I try to call my " Relationship XXXX '' and unless I have a scheduled appointment she can't talk to me. I try to schedule an appointment and it's 2-3 weeks out and at that point, I will miss the deadline on the 3rd loan modification. Please HELP! I'm going to lose everything.
Consumer complaint received 2022-05-24
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. (PA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 ; It also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2022-05-24
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. (TX)

I have reached out to XXXX multiple times asking them to verify some information that they are reporting on my consumer report. I asked them for a description of the procedures, which is my right pursuant to 15 USC 1681i ( 6 ) ( b ) ( iii ). Their response does not provide me the information I have requested. They have violated my consumer rights.
Consumer complaint received 2022-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have reached out to Experian multiple times asking them to verify some information that they are reporting on my consumer report. I asked them for a description of the procedures, which is my right pursuant to 15 USC 1681i ( 6 ) ( b ) ( iii ). Their response does not provide me the information I have requested. They have violated my consumer rights.
Consumer complaint received 2022-05-24
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. (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. 

Accounts : XXXX XXXX opened : XXXX XXXX {$2800.00} XXXX XXXX opened : XXXX XXXX {$110.00} XXXX XXXX XXXX  opened : XX/XX/2018 {$3100.00} 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 2022-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I sent a letter to all XXXX credit bureaus them on XX/XX/2022. 

You are reporting Inaccurate information in consumer reports concerning me that you have complied and published to third parties. The following tradeline item is inaccurate because you have my name, address and employer inaccurate. 
Name : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Inaccurate Employer : XXXX XXXX XXXX XXXX. Inaccurate Addresses : XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX  XXXX inaccurate XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX inaccurate