davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

Been keeping track of my credit to apply for home loan but lenders can't get a report or credit score from EXPERIAN.

I've contacted Experian several times, Experian Dispute department was able to send me my report but I need a membership to get my score.

I tried to get a membership but every time I try to get one on line it gives me a message ( we were unable to find your report with the information provided ) I called Experian to get help getting a membership but every time I've call the rep tells me that my report is locked due to too many time tried to pull it up.

I've been asked to wait 72 hours and when I call back is the same results, my report is locked. 
I haven't been able to have this resolved for about a year and the last couple of months it's been very frustrating because none of the Experian reps can help me. 
Experian dispute rep tells me they can't see anything wrong, the membership rep tells me they can't access my repor and the lenders can't pull my report or my score. 
Experian is the only credit agency that I have problems with, XXXX  and XXXX  are very helpful.
Consumer complaint received 2024-01-03
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. (SC)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2022-11-04
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. (AL)

The credit bureau violated my privacy rights and allowed XXXX XXXX XXXX XXXX to place negative reporting information against me on my credit bureau file that is listed with their company under my identity/social security number without my permission. According to 15 U.S.C. 1681, 15 U.S.C. 1681 i ( a ), 15 U.S.C. 1681 Sec. 602 A and 15 U.S.C. 1681 A Sec. 2, I have the right to privacy and these Federal Laws state that a consumer reporting agency can not furnish any account without my written permission and I have not given this credit bureau permission to furnish this information on my credit report. They have violated my credit reporting rights. And, furthermore, 15 U.S.C. 1681 s - 2 ( A ) ( 1 ) ( f ) states a person should 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, which it is. Therefore, XXXX XXXX XXXX XXXX has also violated my rights.
Consumer complaint received 2020-04-04
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: ONEMAIN FINANCE CORPORATION (NJ)

I receive your response to my previous claim against your company. See Attachtment documents, 2 other banks and XXXX  made a full investigation about my claims against their company and came to the conclusion that my identity has been compromise and fraud aplications were made under my name. These companies immidiately remove their inquiry from my credit report.
Consumer complaint received 2020-04-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (NC)

Comenity Bank called once an hour than twice within 15 minutes on XX/XX/2020. 
XXXX at XXXX XXXX at XXXX XXXX at XXXX XXXX at XXXX XXXX at XXXX
Consumer complaint received 2020-04-04
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. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NV)

Dear American Express, I am writing to express my frustration with the experience I have had as a result of your decision to cancel my card. As an authorized user on the card, I was made aware of the requirement to submit my SSN within 60 days in order to keep my privileges. I completed this requirement and received confirmation from American Express.

Despite this, I have been declined credit when attempting to apply for a credit card with American Express. This is extremely frustrating and makes me feel discriminated against, especially considering my track record of good credit with no late payments, collections, or high balances. 

I believe it is unfair to extend such treatment to a customer who has not only complied with the requirements but also has an excellent credit record. I urge you to reconsider your decision and allow me to utilize the services offered by American Express. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-03-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CO)

Shellpoint sent me a message requesting payments for XXXX when I already made all the payments according to our payments plan agreement. They are not reporting the payments as they had made. On XX/XX/XXXX, both payments were taken out of my bank accounts by shellpoint but they are still sending me email to let me know I'm late when this is not the case. I have made all my payments on time and it still showing on their accounts that I still own XXXX payments when I already made them. This is outrageous and unprofessional. I contacted their customer services twice today an they are saying they can't locate my payments and are keep sending me emails about being late. This company need to be investigate because I'm pretty sure I'm not the only one having to deal with this issue.
Consumer complaint received 2022-12-28
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)

YOUR COMPLAINT XXXX  Account # XXXX, - Preferred credit Account # XXXX, ,XXXX  account # 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 XXXXXXXX, 15 U.S.C 168 ; c ( a ) ( 5 ) Section States no consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 SECTION 602 A. States I have a right to privacy. ( 2 ) In accordance with the written instructions of the CONSUMER to whom it relates. 15 U.S. CODE Subchapter III CREDIT REPORTING AGENCIES ( a ) Duty Of Furnishers Of Information To Provide Accurate Information ) A ) Reporting information with actual knowledge of errors, A CONSUMER to any consumer Reporting Agency if the PERSON knows or has REASONABLE CAUSE TO BELEIVE THAT THE INFORMATION IS INACCURATE.

Hide full complaint What product or service is your complaint about?

PRODUCT OR SERVICE Credit reporting, credit repair services, or other personal consumer reports TYPE Credit reporting What type of problem are you having?

Inactive modal ISSUE Improper use of your report HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? 
Yes What happened? 
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 XXXXXXXX, 15 U.S.C 168 ; c ( a ) ( 5 ) Section States no consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 SECTION 602 A. States I have a right to privacy. ( 2 ) In accordance with the written instructions of the CONSUMER to whom it relates. 15 U.S. CODE Subchapter III CREDIT REPORTING AGENCIES ( a ) Duty Of Furnishers Of Information To Provide Accurate Information ) A ) Reporting information with actual knowledge of errors, A CONSUMER to any consumer Reporting Agency if the PERSON knows or has REASONABLE CAUSE TO BELEIVE THAT THE INFORMATION IS INACCURATE.

I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.

The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publish this description after the CFPB has taken these steps.

Inactive modal
Consumer complaint received 2022-12-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (VA)

MOHELA is not giving me credit for XXXX years of credible federal public service for my recently consolidated loans with them. I have made qualifying payments for over XXXX  years and they are not correctly applying them for my loan forgiveness. I have reached out to them several times and they will not correct the issue.
Consumer complaint received 2020-04-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

Contacted on XX/XX/20 - Saturday XXXX. No voicemail left on phone. Collector then called grandmother and mothers phone and would give no details other than was Transworld.

I called back and was told medical debt owed to XXXX for unknown amount. Person asked for my dob and I hung up. 

I am a XXXX student- XXXX years old, financially dependent on my parents as well as on their medical insurance plan for billing purposes. This is a scam as my mother called back and they did not say a word to her. She asked if anything has been mailed about a debt- no comment. 

Phone number that called me was XXXX
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

In accordance with the FCRA, acct. # XXXX XXXXXXXX XXXX  and ACCT. XXXX XXXX  has violated my rights. The credit bureaus stated that my accounts was properly investigated but how is that possible if the open dates are inaccurate, the last date are inaccurate. I have circle all the inaccurates on my credit report. This is grounds for removal from my credit reports. 15U.S.C. 1681 SECTION 602A states I have the right to privacy. 15U.S.C. 1681 SECTION 604A It also states a consumer reporting agency can not furnish an account with out my written instructions. 15U.S.C. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 15 U.S.C 1681s-2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 2020-04-04
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: JPMORGAN CHASE & CO. (AZ)

Approaching end of lease and had scheduled a pre-inspection as detailed in the lease agreement for XX/XX/20. AutoVIN, provider of inspections for Chase Auto Finance ( XXXX XXXX XXXX ) cancelled all inspections nationwide as of XX/XX/20 with no info on when inspections would continue. Contacted Chase to see how this can be resolved. Per Chase, " At the time of your pre-inspection, you'll receive a link to an online condition report that will be available to view within about 24 hours. This will provide an estimate of the cost of repairing all excess wear and use items present on the vehicle. This information will help you decide if it's in your best interest to repair any of the items before returning your vehicle. You have the option to make repairs before turning in your vehicle. If you choose to make repairs, keep your receipts and contact us before returning your vehicle. We'll verify the repairs and apply any credits to your final lease-end bill. All repairs must be completed by a licensed repair facility. '' Because they are unable to provide the pre-inspection detailed in the lease agreement, I am unable to perform repairs I may deem necessary. I spoke with a supervisor around XXXX XXXX  MST and he provided no resolutions. He then started arguing that the pre-inspection is done before leasing the vehicle and the final inspection is after turn in. I directed him to the Chase website and read word for word what the site says regarding pre-inspections and he stated, " I do this everyday, believe me, the pre-inspection is before you lease the vehicle. '' At this time, I won't have enough time to perform repairs that may be necessary based on the pre-inspection that was part of the lease agreement.
Consumer complaint received 2020-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: U.S. BANCORP (IL)

In XX/XX/XXXX, I received convenience checks to draw on my US Bank Visa card. They were offering good terms, 3.99 % fee, 0 % interest until XX/XX/XXXX. I called the bank to verify that the checks were valid, and to check my credit limit. ( {$32000.00} dollars according to the bank ) They assured me the checks were good to go. Over the next 1-2 weeks, I wrote three checks, # 1- {$15000.00} # 2- {$12000.00} # 3- {$6000.00} dollars. I was subsequently informed that US Bank denied payment on all three checks. This has caused me to incur returned check and overdraft fees, and to spend hours on the telephone with representatives from US Bank. They are non-apologetic and refuse to help with the fees, even though they admit that it was their mistake. I am asking that US Bank refund all my extra incurred fees, and that you fine them for their poor business practices and lack of consumer protections.
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. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2024-02-26
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. (MD)

I have tried to resolve the issue with Experian reporting {$1800.00} XXXX on my consumer report. This item was removed from my consumer report months ago but Experian has decided to add the account back on my consumer report. I spoke with XXXX and I was told to send in my FTC report , Photo ID, copy of my social security card with I did and the issue was resolved. When I saw XXXX back on my consumer report I contacted XXXX and I was told that there was not an account on file for me. Experian has a generic response of " been verified '' as before I'm not asking for verification I want this item removed from my consumer report immediately!
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My credit report is showing a number of errors and it is causing me a lot of unnecessary stress. I desperately need to find a new place to live and these inaccuracies are making it impossible to find a place where I will be approved. If I can not find a new place to live soon I am going to be homeless. I insist these inaccuracies be removed at once as it is a violation of my rights and is having a dire effect on my life.
Consumer complaint received 2020-03-26
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mr. Cooper Group Inc. (FL)

Near the beginning of 2016, I reached out to Nationstar Mortgage, who was servicing our mortgage at the time, to obtain a loan modification. I was offered a loan modification, which required that I first make three trial plan payments in the amount of {$1000.00}, beginning in XX/XX/2016. 
On XX/XX/2016, Nationstar Mtg received the first trial payment in the amount of {$1000.00} + {$9.00} payment fee = {$1100.00}. 
On XX/XX/2016, Nationstar Mtg received the second trial payment in the amount of {$1000.00} + {$9.00} payment fee = {$1100.00}. 
In XX/XX/2016, we sent the third ( final ) trial payment to Nationstar Mtg in the amount of Nationstar Mtg received the first trial payment in the amount of {$1000.00} + {$9.00} payment fee = {$1100.00}, although the statements maintained by Nationstar Mtg do not reflect this payment. They instead asserted that we made a " partial payment '' and the monthly statement reflects a " partial payment ( unapplied ) '', although the statement does not show that this payment was received in the transaction history. If you look at the previous statement dated XX/XX/2016, in the section labeled " Past Payment Breakdown '' you will see two partial payments, one which includes an amount of {$1000.00}, and a Year To Date total of {$1000.00}. On that statement, you will also see a payment in the Transaction Activity in the amount of {$2300.00}. This statement includes multiple errors. Our bank records do not coincide with Nationstar 's purported accounting. Our bank records reflect the first two trial payments in the amount of {$1100.00} ( {$1000.00} + {$9.00} payment fee ) withdrawn on XX/XX/2016, and {$1100.00} ( {$1000.00} + {$9.00} payment fee ) withdrawn on XX/XX/2016. There are no other withdrawls from our account for the XXXX ( third trial ) payment, not for the amount we actually paid in XXXX ( {$1100.00} ) nor for the partial payment amount ( {$1000.00} ) that Nationstar purports that we paid. 

On XX/XX/2016, Nationstar Mtg. sent us a refund in the amount of {$1000.00}. They rescinded their offer to modify the mortgage, and told us that they would not accept any further payments from us unless the entire balance was paid in full. Seven days later, on XX/XX/2016, Nationstar Mtg filed a foreclosure suit against us. 

These servicing errors have forced us into foreclosure. It would be unjust for Nationstar Mtg to sell our homestead property at foreclosure auction, and request that this issue be further investigated by the CFPB.
Consumer complaint received 2020-04-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XX/XX/2020, I contacted a seller on XXXX  to purchase sneakers. After communicating with them, I sent {$450.00} to them via XXXX XXXX to purchase a pair of sneakers. After the money was sent, the person confirmed that they received it & stated that shipping takes 2 weeks. They also mentioned that I would be provided with a tracking number but I was not. On XX/XX/2020, I contacted the person asking if the item has been shipped and they did not respond. On XX/XX/2020, I contacted the person again & they did not respond. I tried to message the person the next day, XX/XX/XXXX, but I learned that they blocked me from contacting them. After waiting to see if my package would turn up, I contacted XXXX  XXXX  to tell them about the problem on XX/XX/2020. They stated To provide you with some context into this, XXXX XXXX is unable to cancel or refund Cash transactions after the funds have been transferred to the recipients account. However, you can request the same amount of money back from the recipient using the XXXX XXXX. I tried to request the money back from the person but it wouldnt allow me to. On XX/XX/2020, I filed a claim with my bank ( Bank of America ) about the situation. They claim eventually closed and I was not paid. On XX/XX/XXXX, I filed another claim about the situation with proof that I have been scammed on standby. Again, my claim was closed and I was not paid due to XXXX XXXX being only responsible for sending money. On XX/XX/2020, I contacted XXXX  XXXX  again. They basically explained that they couldnt do anything about the situation & they would return my funds if they could. I have purchased merchandise from this seller before so I dont understand why they would scam me. However, Ive never made a purchase this big with this person. I still havent received my product nor my money back from the seller nor the bank.