davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CO)

As a federally protected consumer under the FCRA, I hereby exercise my right to opt out of any and all authorizations, whether provided in written, unwritten, verbal, or non-verbal form. I may have given written, unwritten, verbal, or non-verbal consent at some point and am now revoking consent. The commencement date of the account is XXXX. This action is taken in accordance with the following statutes : - 15 U.S. Code 6805 - Enforcement - 15 U.S. Code 6801 - Protection of nonpublic personal information - 15 U.S. Code 1666e - Notification of credit issuer by seller of return of goods, etc., by obligor ; credit for account of obligor - 15 U.S.C. 1666B - Timing of Payments - 15 U.S.C. 1681A - Accuracy and Fairness of Credit Reporting - 15 U.S.C. 1681B - Reasonable Procedures- 15 U.S.C. 1681C-2- Block of Information resulting from Identity Theft - 15 U.S.C. 1681E - Compliance Procedures- 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information - 15 U.S. Code 6803 - Disclosure of institution privacy policy - 15 U.S. Code 6801 - Disclosure of institution privacy policy Privacy Policy Act of 1974. 

Thank you for your attention to this matter.
Consumer complaint received 2020-09-28
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. (TX)

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX  XXXX Account Number XXXX XXXX XXXX XXXX  XXXX Account Number XXXX XXXX  XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-12
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. (AR)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX {$11000.00}
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

From XXXX to present date my account has been in deferment status yet my account has been reported as delinquent ( 30, 60, and 120 days past due ) on numerous occasions although it has continuously been deferment status. In addition, a remark was removed ( Fixed Rate ) in XX/XX/XXXX. All of which adversely affected my credit scores by upward of XXXX points form XX/XX/XXXX to present date.
Consumer complaint received 2020-09-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Recovery Solutions Group, LLC (OH)

This senior was " conned '' out of home repairs that was done unjustly. They are harassing her for the amount due, including intimidation, legal action and phone calls. The name of the debt collection is Recovery Solutions. The home was repaired under her home owners insurance, and they advised that the company that took advantage of her should be not harassing her. She is in her XXXX 's, has no family, and has contacted our community service agency for assistance. They stated she owes over {$8000.00} to this company. She is very upset and anxious and feels very intimated.
Consumer complaint received 2020-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (GA)

the debt was a result of identity theft. after contacting the company by mail on numerous occasions I've decided to pay the debt off completely. the company sent me a letter stating my debt has been satisfied and I have no obligation relating to this account. The collection is still showing on my credit file. I contacted the company and spoke with Rep XXXX who was very rude and refused to help me to remove the collection from my credit report.
Consumer complaint received 2020-09-28
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (FL)

I signed up for a 12 month promotional plan and divided the payments by 12. I then set up auto pay to have the appropriate amount deducted each month so that it would be paid in full by the expiration of the plan. I also enrolled in paperless billing to save paper. The last month the bill was set to pay off the balance on XXXX XXXX.I believed that the last billing cycle would be the expiration of the plan and I paid it in full by the end of that cycle. Unbeknownst to me the expiration for the promotional plan was 6 days earlier, XX/XX/XXXX. The company purposely sets the autopay date after the expiration so that they can charge you interest on the entire initial balance. In this case that interest was {$550.00}. My last payment amount was {$330.00}. Obviously I would have paid it 6 days earlier. They then charged me a late fee and interest for the month of XXXX because I thought the balance was paid. I only noticed it because it showed up on my credit report as a revolving balance and I knew it should have read {$0.00}. This seems to be unfair and predatory, relying on a technicality in order to trick customers. I work hard to ensure that all of my bills are paid on time and do not appreciate these tactics. I reached out to them and spoke to a supervisor who tersely informed me that they can not reverse the fees/charges. I also reached out on twitter and received the same response.
Consumer complaint received 2020-09-28
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (NJ)

We were in forbearance due to covid from XXXX to XXXX due to my husband losing 40 % of his pay he works in XXXX XXXX  XXXX till now he still has a lower income we applied for another modification and we were denied!! I am XXXX and my son is a type XXXX XXXX!! My husband and I want to keep our home. I dont understand why Selene finance can not drop the interest rate and lower our payment they are not willing to work with us at all!! Im am simply distraught by all this!! Please help me and my family!!
Consumer complaint received 2023-03-15
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 XXXX XXXX  Account, has violated my rights. 15 U.S.C 1681e Section ( b ). States whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S.C 1681s-2 ( a ) ( 1 ) ( A ) Acorrding ( why this matters ) UCC Article 9-625 Section A Stat In accordance to the Fair Credit Reporting Act XXXX XXXX  the following instutions : XXXX XXXX, XXXX have voilated my rights by adding unwanted inquires to my consumer report. 15 U.S.C. 6801 ( a ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. In addition, 15 U.S.C 6802 ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Nonpublic personal information refers to any information about an individual that is not publicly available and can be used to identify that individual or their financial transactions. This includes : 1. Personally identifiable information such as name, address, Social Security number, date of birth, and driver 's license number.

2. Financial information such as account numbers, credit and debit card numbers, transaction history, and credit scores.

3. Information about an individual 's financial behavior such as account balances, payment history, and credit inquiries.

4. Information about an individual 's relationships with a financial institution, such as account ownership and beneficiary information.

In general, any information that is not readily available to the public and can be used to identify an individual or their financial transactions is considered nonpublic personal information. Financial institutions have a duty to protect this information and use it only for legitimate purposes, such as processing transactions or providing services to the customer.
Consumer complaint received 2023-03-17
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: Fidelity National Information Services, Inc. (FNIS) (SC)

I had a open account with XXXX XXXX  for XXXX $ and I ordered my consumer report from Chexsystems and I found out they have this debt in my report and its already paid and I reached out to the XXXX XXXX  to call chexsystems to delete it and I called Chex systems to let them know that the account is paid to delete it from my report both did not respond and now I cant open a new bank account because the false and not correct information chexsystems provide in my report. Please help me and look into it so it can be delete from my report because I really cant open any bank account and thats really hurt me
Consumer complaint received 2024-02-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I opened a Bank of America account for the season, I came as a XXXX to do a Work and Travel experience. The XXXX and XXXX of XXXX I had 4 transfers, which add up {$2000.00}, that were made from my account through the XXXX option. And I want to clarify that I DIDN'T DO THOSE TRANSFERS. I made a claim in a financial center located in XXXX XXXX and they started a fraud investigation. The claim number is XXXX and it was rejected because the bank says that it was made using a device that was already authorized. I used to live in a house full of people, and I really don't know if someone might have grabbed my phone and did those transfers. 
I went back to XXXX and I am currently here, I am not going back to United States. I tried to follow up the claim via phone call and they blocked my account. They couldn't verify my identity without me having an American phone number, that is information I was never given. In addition, I started to have spendings on my debit card, that I was also not doing and I wasn't able to claim them if it wasn't via phone call, so I also lost more money there. After leaving the country I had to cancel that card also. Now in my home banking those spendings magically disappeared. Also, the answer of this claim came to me XX/XX/XXXX. 
After this I contact the person to whom the transfers were made because in the app appears the phone number and the bank gave me no more options and she told me that she made a refund to the bank with the amount of {$2000.00}. This person is called XXXX XXXX and her phone number is XXXX ( XXXX ) XXXX XXXX
Consumer complaint received 2020-09-28
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

My husband and I lost our jobs last year and have been unable to keep up with our payments, and I contacted all of our creditors to explain and ask for relief. My husband 's total income for the job he started in XXXX and was let go from in XXXX was around {$5500.00}. We are two months behind on our rent and barely keeping up with other bills. All of our other creditors have been working with us and not harassing us except for Kohl 's. I have called several times to explain our situation and have been verbally told to not make the XXXX payment and just wait to make the following one. Then I was told not to worry about the XXXX payment, just wait and make the next payment in XXXX. Even though the payment plans have been set up, I am still receiving ro-bo calls multiple times a day an leave messages. When I call AGAIN, they apologize and promise AGAIN that I will not get anymore calls but I do!!! I'm doing the best I can, but I am XXXX with XXXX , my husband was medically XXXX from the XXXX XXXX in 1985 and is 60 % XXXX. He receives $ XXXX/mo XXXX from the government, but I receive nothing because I did not pay into Social Security for the past 10 years, since I can't even work!! Can these harassing calls please be stopped as soon as possible. Once my husband begins his hob later this week, we should be able to catch up in a month or so. If you have any questions or need more information, pplease feel free to call me at XXXX.
Consumer complaint received 2020-06-19
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: Experian Information Solutions Inc. (GA)

There are 2 accounts that are reporting inaccurate late payments. The following accounts are : Dept Ed/XXXX  Date Opened : XX/XX/XXXX Balance : {$3000.00} ( XXXX, XXXX, Experian ) Dept Ed/XXXX Date Opened : XX/XX/XXXX Balance : {$5400.00} ( XXXX, XXXX, Experian )
Consumer complaint received 2015-11-19
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XXXX XXXX Bank attempts to foreclosue on property. XXXX XXXX XXXX XXXX XXXX Bank Processor stated Bank of America was holder of promissory note/ mortgage deed.XXXX Bank was lender of property until FDIC take over XXXX XXXX Bank in 2009 and sold XXXX XXXX Bank to XXXX XXXX XXXX XXXX Bank XXXX Held conference with XXXX Bank reported mortgage accounts were sold to Bank of America. Conference with Bank of America revealed mortgage loan was not with Bank of America. XXXX XXXX Bank informed Bank of America that mortgage account was with Bank of America in memo. Another memo stated mortgage loan was with XXXX Department of Bank of America. None of Bank of America Executivesknew about a XXXX Department in Bank of America. Bank of America President XXXX XXXX XXXX, Ceo Executives reported no knowledge of XXXX Department. XXXX XXXX Bank nor Bank of America nor XXXX Department. Appromimately XXXX Bank of America personnel including executives have reported Bank of America is not lender on mortgage loan. Several Bank of America executive have reported not to know anything about XXXX DEPARTMENT OF BANK OF AMERICA. XXXX XXXX BANK REPORTED IN MEMO THAT THEY DO N'T HAVE NO CONTACT NUMBER TO XXXX AND ALSO BANK OF AMERICA REPORTED THEY HAVE NO CONTACT NUMBER XXXX ... NOW QUESTIONS : I AM REQUESTING COPY of original promissory note I AM REQUESTING COPY of mortgage or deed of trust I AM REQUESTING COPY of all assignments of mortgage I AM REQUESTING COPY of endorsements I AM REQUESTING COPY of deed of trust transfer I AM REQUESTING COPY of sale of property to Bank of America I AM REQUESTING COPY of sale of property to XXXX I AM REQUESTING COPY of Servicer NOTICE Letter of XXXX XXXX Bank DOES XXXX XXXX WORK FOR LSBO OR BANK OF AMERICAIS XXXX A CONVERT OPERATION.NO EXECUTIVES RECOGNIZING XXXXIS XXXX THE LENDER OF THIS MORTGAGE LOAN
Consumer complaint received 2023-01-05
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. (GA)

I am not disputing the accuracy with these companies but thet did not follow proper protocol. 

These listed Accounts are under violation : XXXX XXXX  Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX @ 15 USC 1681 ( a ) In General Subject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and NO OTHER : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates. 
I DID NOT GIVE PERMISSION for this to be reported and this is also under Violation of 15 USC 1681c ( A ) ( 5 ) ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), NO consumer reporting agencymay make anyconsumer reportcontaining any of the following items of information : ( 5 ) ANY other adverse item of information, other thanrecordsof convictions of crimes which antedates the report by more than seven years.

This means ANY POTENTIALLY NEGATIVE ITEMS UNLESS I COMITTED A CRIME IN WHICH I DID NOT.

I WANT THIS ACCOUNT " REMOVED '' from my credit report
Consumer complaint received 2020-09-28
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. (TX)

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX  XXXX Account Number XXXX XXXX XXXX XXXX  XXXX Account Number XXXX XXXX  XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-28
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. (NJ)

My credit score is SIGNIFICANTLY lower with Experian than the other two major bureaus. 33 points lower than XXXX  and 49 points lower than XXXX. I have called several times for a review. The agents are ill-informed and rude. Experian is always the last to update their reporting information and usually lags in recording important information that would improve one 's credit score. Literally all of my " Additional FICO Scores '' on Experian have not been updated in over 21 months according to the mobile app!!
Consumer complaint received 2023-03-16
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc. (CT)

A certified notarized contract rescission/affidavit of truth letter was sent to the dealership XXXX XXXX XXXX XXXX XXXX XXXX CT for contractual fraud in XXXX of XXXX alleging that the contract did not reflect the {$1000.00} down payment as the one I signed did. I received a signed return receipt, and there was no response to the notice by the dealership within the 45 day time period, or nothing to disprove my claim that my consumer rights and consumer laws were violated by them and that the vehicle belongs to me according to the law. GMCs financing legal team was also notified via phone, fax, and certified mail of the contractual problem and was informed that a 1099c debt cancellation was done in XX/XX/XXXX because fraud and deceptive business practices. I also faxed GMC financial a copy of the 1099C and the fraudulent contract. Then on XX/XX/XXXX GMC proceeded to repossess the vehicle and with no payments owed to them refusing to return the vehicle and have plans to auction my truck without my permission and against my will. GMC is still currently billing me for the truck as well when they know it was a consumer credit transaction and have no legal right to possess my vehicle. Also in XX/XX/XXXX a certified notarized letter was sent to GMC financial fraud and legal team once again I received the return receipt but GMC has not yet responded. I called and they said my truck went to auction again the contract had been deemed null and void because of contractual fraud. I am without a vehicle and is currently renting one to get back in forth to work.
Consumer complaint received 2023-01-05
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. (CO)

I disputed late payments that are showing on my XXXX account at XXXX. I have late payments from XXXX, XXXX and XXXX. I informed them that payments are not late and are not required due to Federal Gov't Covid policy, payments are still not due until later this year XXXX. XXXX stated that they researched and kept the information as being correct, and added a remark " Dispute resolved, customer disagrees ''.
Consumer complaint received 2024-02-28
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Kikoff Inc. (FL)

My Kikoff account was included in a XXXX XXXX bankruptcy. The balance was {$4.00} when I filed my petition on XX/XX/XXXX. This debt has been discharged as of XX/XX/XXXX. I emailed Kikoff on XX/XX/XXXX informing them that my account is still reporting a balance owed to the credit reporting agencies XXXX, XXXX, and XXXX. I even provided Kikoff with the bankruptcy documents showing that their account was included in my petition. They responded to my request on XX/XX/XXXX by refusing to remove the inaccurate reporting, and asked me to pay the {$4.00} by money order in order to clear the reporting on my credit file. This is illegal because the debt has been discharged and their inaccurate reporting continues to harm my credit score.