davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-28
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. (NC)

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. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 15 USC 1681 section 602 A states I have the right to privacy.

And according to 15 USC 1681eb they are supposed to ensure this 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.

15USC 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 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish and information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (NC)

In XX/XX/2020, XXXX XXXX renewed my auto insurance without my permission or validation. I was not driving at the time either. In fact, i am XXXX and unable XXXX XXXX. I was hospitalized in XX/XX/2020 for a week due to XXXX XXXX. I was unable to make decisions at the time as i was extremely unwell. I had no energy to dispute. It is the only negative mark on my credit and it is preventing me from getting housing. I was homeless because of the charge. Please can you help me get this goodwill charge taken off? I did not agree to it and i feel like they took advantage of me being XXXX and unable to dispute.
Consumer complaint received 2020-11-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (TN)

My husband passed XX/XX/2020 from a terminal illness that was aggravated by Covid-19. I sent Mr. Cooper a request for mortgage assistance to lower the 2nd mortgage payment because I have lost his income. Mr. Cooper has sent my mortgage to and Attorney for the delinquent. Mr Cooper has been unwilling to assist me with lowering my mortgage payment. There is a 1st and 2nd mortgage on my home and I'm on a fixed incomed. Please Help I don't want to lose my home.
Consumer complaint received 2023-05-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Climb Credit Inc. (FL)

My name is XXXX XXXX XXXX, The companies involved are the XXXX XXXX, Climb credit, and XXXX XXXXt. 

I signed up for a coding bootcamp at the XXXX XXXX  and got approved for a loan for tuition from a third-party company that's associated with the XXXX XXXX, called Climb credit. The tuition/ loan amount was XXXX. I was told by the XXXX  XXXX  that you are not liable for the loan if you don't take the classes and have fully withdrawn from the course. 

I withdrew from the course as I had not attended any classes or did any course work and was expecting that to be the end of it. However, a few months later XXXX  connect emailed me saying that they would start deducting from my account. I called XXXX to dispute that I had already withdrawn and that the loan was never used and should have been refunded. XXXX  connect replied that the XXXX  XXXX  has never sent us an update on your withdrawal, and to contact the school again. 

I contacted the school again and was directed to the XXXX XXXX XXXX  team. Whom of which they replied that I had not been fully withdrawn from the course and needed my signature again. I signed the new withdrawal form and waited the XXXX  days that the refunds team asked for to process the withdrawal and the refund. 

A few months later XXXX  connect emails me again about my numerous late fees and how after XXXX  days of not paying them my credit will be affected because I have not sent in the monthly payments for the loan. I called and disputed again, and their response was that the initial lender Climb credit is still processing that refund under their portal and that they can not cancel the late payment emails. 

I am vastly tired of being ping ponged back and forth between these XXXX companies and assume that something fraudulent is happening.
Consumer complaint received 2024-02-28
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: Experian Information Solutions Inc. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these items. It would mean a lot to me if you could assist in removing the following from my credit report. these are the items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-12
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

XXXX XXXX - Trying to use two AMEX gift cards to reload XXXX balance. Both were declined, even if I specified an amount less than what was on the cards. Calling the XXXX number on the back takes you to an automated system and there is no way to reach a live person.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

I WAS IN A NIGHTCLUB WHERE MY PURSE WAS STOLEN IN XXXX, I WAS ADVISED TO START MONITOR MY ACCOUNTS. I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS I HAVE NO KNOWLEDGE OF OR AFFILIATION WITH. THESE ARE NOT MY ACCOUNTS. 
I CONTACTED EXPERIAN, XXXX, AND XXXX ADVISING OF THE INCIDENT AND REQUESTING VERIFICATION. 

I HAVE THE RIGHT TO PRIVACY AND I HAVE NOT GIVEN ANY WRITTEN CONSENT FOR THIS INFORMATION TO BE REPORTED TO MY CREDIT REPORT WHICH IS IN VIOLATION OF 15 USC 1681B ALSO FURNISHING ACCOUNTS TO REPORT DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO REQUESTED THAT ADDRESSES THAT ARE NOT MINE ARE REMOVED TO PREVENT LINKING ME TO ANY OTHER FRAUDULENT ACCOUNTS
Consumer complaint received 2023-07-09
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 — Problem with personal statement of dispute
Company: Bridge IT, Inc. (OH)

I signed up for a Brigit credit builder account. I had it on auto pay, and it had been smooth sailing for months. However, in XXXX, my auto payments stopped going through. I checked my bank account EVERY time and I had enough money for the payment. I emailed customer support every single time it didn't go through. I will attach the email chains of XX/XX/25 emails to figure out why it wasn't going through. They offered no assistance aside from trying again. Finally, despite my constant efforts and communication with them, it was reported as late. They did not fix the problem until the day I emailed them and told them it reported as late. Note in the emails my urgency, clarity, and noted desire to get it fixed so that it did not harm my credit.
Consumer complaint received 2023-01-17
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. (TX)

I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.
Consumer complaint received 2022-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

My name is XXXX XXXX and I am not a 3rd party please see the attachment documents that I have uploaded for this complaint.
Consumer complaint received 2023-05-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (CO)

This is about a dispute i filed with chime dispute number XXXX on XX/XX/XXXX it was a XXXX XXXX order i never got and chime keeps denying the dispute even tho i sent proof and a police report they are not even investigating the claim they close the apeal within 24 hours this in unacceptable.
Consumer complaint received 2023-02-12
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: Southwest Credit Systems, L.P. (MI)

Southwest credit systems placed a debt that is closed from XXXX. The account was fraudulent and closed. The date showing XXXX XXXX is not the correct date. XX/XX/XXXX I was homeless. 



XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX > I currently have XXXX and I dont owe them anything. Attached is my current XXXX bill showing you active XXXX account<
Consumer complaint received 2022-12-27
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-09-13
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (WI)

I am currently involved in a foreclosure after coming out of Cares Act forbearance due to COVID. Here are the highlights : - I submitted for forbearance on XX/XX/XXXX - I extended the forbearance for as long as allowed through the Cares Act. 
- I have asked for any amounts to be rolled to the back of the mortgage since the first request- When I came off of forbearance in XX/XX/XXXX, I began making regular payments again, as instructed by my mortgage company, to keep foreclosure proceedings from moving forward and allow for forbearnace activities to take place. 
- I also started submitting the required loss mitigation package, at this time, through the mortgage companies electronic documentation portal. 
- The mortgage company would never acknowledge the submissions. 
- I submitted the package XXXX different times with the only changes being, updating the bank and pay statements for the months prior to the submittal. 
- The mortage company never even called or anything saying information was missing, and if we did hear from them, it was asking for the same information that was already submitted. 
- I got the VA involved and the mortgage company miraculously accepted the package ( same as all 5 others ) on XX/XX/XXXX. 
- The mortgage company also started foreclosure on the home while all of this was going on. I obtained an attorney and have been working with her for a year now. 
- I finally received an offer on XXXX XXXX, a year after the accepted submission date. **It was supposed to be 30 days** - The offer was for a new loan, higher interest rate, penalties that were never supposed to be assessed, foreclosure expenses which should never have been assessed, and for a new term, higher price, and higher payments. 
- We entered into mediation, the mortgage company would not answer any questions and made the statement, " The offer is the offer, there will be no changes. '' I have done everything I was asked to do by the mortgage company. I have complied with all requirements timely, THEY HAVE DONE NOTHING! 

Attached is the accepted package as noted above I submitted and received the acceptance with all documentation that will give you the case history. 

Attached is also the offer dated a year later from the date of package acceptance. 

Attached is also an itemized accounting of the charges including insurance charges and the other charges that are noted above that were not permitted through the cares act and a spreadsheet to help clarify the accounting I prepared due to the poor organization of the information they provided. 

Also, they have been completely wrong in their credit reporting, completely ruining my credit at this time with no mention of natural disaster, and no updates. 

Please contact me with any questions, additional information required, etc. I hope you will be so inclined to take this on and help me ( and I'm sure there are others ) that are being completely run over by this company.
Consumer complaint received 2023-10-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I responded to an ad on XXXX for an apartment. The poster responded and we communicated via email and text. The poster provided a video of the unit and a utility bill with his name on it. I sent XXXX payments via XXXX XXXX through the Chase Bank app ) that totaled {$2300.00} ( {$1000.00} security deposit and {$1300.00} for first month rent ). We agreed to meet at the property on XX/XX/XXXX so that I could get the keys. However, he never showed up and stopped responding to my texts. I knocked on the door of XXXXne of the building tenants and that person called the owner of the building. The owner confirmed that there were no units available for rent and that I had more than likely been scammed. She mentioned that something similar to this happened about a year ago.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

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

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

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

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

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

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

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

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

In accordance with Fair Credit Act, XXXX XXXX, has violated my rights.
Consumer complaint received 2024-02-28
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. (GA)

Experian Recently, I did an investigation on my credit report which caused report which caused XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable item that your agency didnt make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

On my Public Record Bankruptcy XXXX  XXXX-discharged US Bankruptcy Court has also assured me that it is not within their policy or obligation to validate any public records. Following my confirmation with the US Bankruptcy Court I also confirmed with XXXX XXXX that they were not able to validate this alleged bankruptcy in accordance with federal law.
Consumer complaint received 2023-02-21
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. (AL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$15000.00}
Consumer complaint received 2024-02-28
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. (NY)

I want the debt reported by XXXX XXXX XXXX for {$3800.00} to be removed from my credit report as it violated my rights to accurate and fair reporting since the date of the initial debt is incorrect and this bureau ( CFPB ) can see within its records that it is inaccurate, as I made an attempt to dispute the fraud in XXXX. In accordance with the Fair Credit Reporting Act, 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 the information is inaccurate. The account is listed as opened on XX/XX/XXXX, yet that is inaccurate and thus should be removed. Further, 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. I committed no crime and in fact, a crime was committed against me when my identity was stolen, and this should not be adversely affecting me because the law protects me from such negative reporting, especially for which the company can not prove that I opened these lines.
Consumer complaint received 2023-05-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BMO Bank, N.A. (OR)

Collection agency XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX Creditor : Bank of the West XXXX Account # XXXX My complaint is both against Bank of the West and XXXX XXXX XXXX XXXX I orginally had a checking account with Bank of the West. Two overdraft payments were made of behalf ( not authorizied by me ), I was subsequently charged two overdfraft fees. I was paying off this debt to Bank of the West by electronically depositing funds to my account. Bank of the West was not charging me any interest or additional fees. I was able to pay most of the debt with the exception of the overdraft fees and approxiametly {$40.00}. Bank of the West stop accepting my deposits and turned the account over to XXXX XXXX XXXX XXXX and this company proceeds to charge me a 9.00 % annual interest. Also I'm currently in XXXX XXXX  bankruptcy.
Consumer complaint received 2020-01-09
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. (UT)

XXXX XXXX ( XXXX, XXXX, XXXX, XXXX ) - and the credit bureaus are reporting SEVERAL inaccurate ACCOUNTS as well as they are in violation of the Bankruptcy courts - the XXXX XXXX! 
This account was included in my DISCHARGED bankruptcy yet they are still reporting monthly, damaging my credit and reporting a balance! 
I am notifying my attorney and the next correspondence will be from him.
Consumer complaint received 2024-02-28
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. (GA)

I got defeated last year trying to resolve the credit agencies reporting accounts that have caused me great stress. I am trying to buy a home in the next year and my credit report has accounts listed that I do not give my permission to have reported.
Consumer complaint received 2024-02-28
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: Experian Information Solutions Inc. (FL)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.