davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-24
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. (CA)

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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX. 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 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 2023-11-29
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)

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.

has violated my rights. Or list of inquiries 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 2020-01-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (OH)

I received notice to recertify my IDR plan on XX/XX/XXXX. My account has been on deferment for the past 2 years because of high repayment amounts. On XX/XX/XXXX I received notice of denial for my request for lower payments as my account had not entered repayment status as my deferment was not set to end until XX/XX/XXXX. I was told to resubmit the application which I did in XX/XX/XXXX. On XX/XX/XXXX, ( yes, 2 months later! ) I received another denial for my request for lower payments because I marked one box wrong on the application. I was again told to resubmit my application which I did immediately. I also had to apply for a forbearance because FedLoan sent me a bill for a standard repayment of almost {$600.00} due the beginning of XX/XX/XXXX, so I was granted a one month forbearance. In late XX/XX/XXXX, my application that I resubmitted on XX/XX/XXXX had still not been reviewed and I received yet another standard repayment bill due beginning of XX/XX/XXXX. I called FedLoan on  XX/XX/XXXX and was informed that they did not know why it was taking so long to review my application but that they would apply another forbearance until XX/XX/XXXX. On XX/XX/XXXX I received yet another denial for my application for request for lower payments because my account has not entered repayment! I am so sick of this back and forth! All I want to do is have my application reviewed and approved in a timely manner so that I do not have to keep requesting forbearance which then automatically denies my application since my account is not in repayment! This leads to me having to do the whole application process all over again! And for what reason! I am not at fault here! I do not understand why this company takes up to 2 months to review an IDR application! That is ridiculous and affects the consumers in a severely negative way! I have no idea what to do here but I need help to get this situation resolved!
Consumer complaint received 2020-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MA)

About 4 month ago I started searching for a house to buy so I started paying attention to my credit score and looking into what was keeping it down. I found out I had a credit card open with CitiCard and that they had been charging me {$25.00} every month since XXXX. As soon as I found out I called them to get this resolved. I was bounced around from person to person for a month until I got in touch with someone who could help me. They told me my card still had a balance of {$250.00}, when I asked why I was being charge the {$25.00} fee they said this was the minimum payment. In 8 years, I had paid over {$2500.00} in fees, 10x the balance on my account. I asked them to remove the balance since I had more than paid for it already, they said no. I asked if they could at least stop the fees and I would call back to pay the balance, since their payment department was closed, the representative said they would stop the fees. A week later I noticed my credit score drop by 50 points with the reason that my account with CitiCard had been closed. I was never told that they were going to stop the fee by closing my account. WITH SUCH A LARGE DROP I COULD NO LONGER BUY A HOUSE. After trying, for another month, to get in touch with someone that could help me. I spoke with another representative of the company that told me they would launch an investigation into why my account was closed, re-open my account and help me fix the credit score error, but it would take a month. I waited a month for them to get back to me and when they did no explanation was offered and they did not help me with any of the other issues. As this is all happening my credit score kept going down. I found out today, XX/XX/XXXX, after seeing my credit score drop another 30 points, that they had replace my {$25.00} fee with a {$30.00} late fee instead. The {$250.00} had increased to  {$340.00}. I was never told any of this. I haven't used this card since XXXX when I was in college, I didn't even know it existed and it has become a nightmare. My credit score was XXXX now it's at XXXX. This company has taken away the ability for me to afford a home because of {$250.00} balance that I have paid over {$2500.00} for.
Consumer complaint received 2020-06-09
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. (WV)

I have tried to reach out to this company about the inconsistency of the information that is shown on the website verses the information obtained from loan companies. I recently found out that they are reporting to me an updated report but when a bank or lender requires an updated report they give them an older report with an inaccurate score. I have caught this company is this 3 times now and it has hurt us financially and we are now seeking not only financially damage but also pain and suffering for me and my family.
Consumer complaint received 2020-01-11
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: CL Holdings LLC (OK)

there is an account from XXXX XXXX being reported as charged of and a collection account from Jefferson capital as an account being in collection both accounts refer to XXXX XXXX. I don't recall having a XXXX   account, I have never been notified by either of these accounts. I believe Jefferson capital is trying to collect on an account I don't owe. 
Jefferson capital needs to send validation that this my account, and same with finger hut. XXXX and XXXX needs to remove both of these accounts for they are duplicate accounts being report twice to my credit report. once as a charged of credit card and once as a collection under Jefferson capital.

if this problem is not resolved through this report, then I will have to file a fraud affidavit against Jefferson Capital for being in possession of my person information with out providing any proof why they should be in possession of such information. 
make sure all document sent to me bares my signature and a photo copy of my government issued ID.
Consumer complaint received 2020-01-11
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (PA)

In addition to Numerous calls i received etc there was a notice taped to the front door of my home this morning that demands i contact Nationstar mortgage dba Mr cooper immediately. No return address from whom came onto my property and attached a notice to my door and it was brought to my attention by a neighbor who thought it was a summons to court. Im frustrated with this cause i have been in constant contact with this company since inception and it really appears that they are maliciously attacking me. I have a gross income of XXXX when i applied initially for the fourth attempt at a modification now i make even more income and i stull cant afford to pay them back????? During modification I told them that the XXXX of child support wasn't being paid and that XXXX in utilities is subsidized from the church etc so I've ALWAYS have had more than reasonable enough income to pay them responsibly but its always a different tactic and i didn't appreciate this notice from a person or company that wont identify themselves but now how to get in contact with me and leave threatening propaganda from their boss. I want to know why they got a unknown third party to put something on my door they already assigned my information to their attorney referral service so to go to this unscrupulous third party is unfathomable
Consumer complaint received 2020-01-11
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. (OK)

there is an account from XXXX XXXX being reported as charged of and a collection account from XXXX XXXX  as an account being in collection both accounts refer to XXXX XXXX. I don't recall having a XXXX   account, I have never been notified by either of these accounts. I believe XXXX XXXX  is trying to collect on an account I don't owe. 
XXXX XXXX  needs to send validation that this my account, and same with finger hut. Transunion and XXXX needs to remove both of these accounts for they are duplicate accounts being report twice to my credit report. once as a charged of credit card and once as a collection under XXXX XXXX. 
if this problem is not resolved through this report, then I will have to file a fraud affidavit against XXXX XXXX for being in possession of my person information with out providing any proof why they should be in possession of such information. 
make sure all document sent to me bares my signature and a photo copy of my government issued ID.
Consumer complaint received 2020-01-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

The last 2 modification where not received I had an authorized representative BECUSE I was out of the USA at the time he is a licensed realtor he wrote a letter saying he did not receive the XX/XX/XXXX dated modification before it expired with a 14 day requirement to accept. ( Turns out the Bank mistakenly mailed the mod. Offer to the wrong address not the representative. The second Modification dated XX/XX/XXXX was not mailed UNTILL for 39 days after the date of the offer. It had a 14 day requirement to accept but was not received at my representative office UNTILL well after it expired on XX/XX/XXXX. Even after the first due date of The trial payment The bank is now forgetting the correct history of the 2 errores and now saying I must pay in full or have Forclosure on XX/XX/XXXX. 
This is there fault. They say that can only offer 2 mods in 1 year. But both offers expired before we received them. My representative has put this in writing so have I. I need ti bank to accept my new application - also the bank continues to have an active sales date during the application process, appeal time and even after an approved offer This is in violation of Dual Tracking Thanks
Consumer complaint received 2023-03-16
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. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-12-24
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. (FL)

I am making a report concerning Equifax, XXXX and XXXX are currently reporting accounts that are in XXXX. All laws are being violated According to XXXX XXXX XXXX XXXX. I need all accounts DELETED immediately. My rights are being violated.
Consumer complaint received 2020-01-11
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. (MO)

My ex husband and I opened a mortgage with XXXX XXXX on XX/XX/XXXX. In accordance of the divorce decree my ex husband refinanced the mortgage with XXXX XXXX on XX/XX/XXXX. XXXX XXXX  kept the same account number but removed my name. XXXX XXXX  reported to XXXX  and XXXX  who reported appropriately the account was paid off and closed. Experian   however has continued to report my ex husband 's mortgage on my report. When I wanted to dispute this with Experian  I had to pay for their credit monitoring service prior to being able to dispute.The dispute was filed XX/XX/XXXX. The dispute came back on XX/XX/XXXX with report number XXXX that the account had been updated or removed. When I viewed the report it said terminated. The responsibility for the account had been terminated due to Experian not receiving a response from XXXX XXXX. Now the account reports as terminated when lenders pull my FICO 2 report. It does not report my responsibility for the account was terminated. On experian  my report through them shows account PAID, closed on the accounts on my report summary page. When you click on the account it says responsibility terminated account closed. The account still reports payments from XX/XX/XXXX to XX/XX/XXXX. This includes 17 late  payments on the account. To add insult to injury the 17 late payments occurred seven to eight years after my name was removed from this account with the most recent late payment being XX/XX/XXXX. This is dragging my credit down significantly according the lender I am working with to try to buy a house. I opened another dispute with Experian on XX/XX/XXXX. I can't get ahold of a person at XXXX XXXX  to talk to them. The only thing I can do is make an automated payment when I call customer service for XXXX XXXX. When I call Experian customer service all they say is I have to file a dispute and the dispute center has to process it. Customer service for Experian is not able to remove any item correct or not correct. Now the second dispute says, " This item was updated from our processing of your dispute in XX/XX/XXXX. '' The dispute center says it is under dispute until XX/XX/XXXX. I want the credit report to be correct. This mortgage was closed XX/XX/XXXX and paid in full with no late payments on the account.
Consumer complaint received 2020-01-11
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: ADIR INTERNATIONAL LLC (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2020-01-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC. (FL)

My XXXX ( XXXX ) Account number for Internet services is XXXX. I was paying my all outstanding billing payments regulalrly without fail since inception of the account. 
I moved into new home in XXXX XXXX, Florida ( XXXX ) within the same city and requested XXXX  ( XXXX ) in XX/XX/2019 to transfer Internet services to my new home address effective XX/XX/2019 
XXXX ( XXXX ) advised that they do not offer services in XXXX hence I have to perforce terminate the internet contract and will also have to bear penalty charges ( {$80.00} ) for contract termination. 
I advised XXXX ( XXXX ) that contract termation charges being levied are unfair since I am not the one seeking termination but rather mere transfer of internet services. If the service provider is unable to offer services in a particular location within the same city then it is service provider who should bear the terminatiion charges and not me. I spoke to Ms. XXXX of XXXX ( XXXX ) on XX/XX/2019 at contact number XXXX which is XXXX Movers Department number, and requested for transfer of services. Ms. XXXX gave me ticket numbers XXXX and XXXX. On same day ( XX/XX/2019 ) I called XXXX ( XXXX ) corporate office number XXXX and spoke to Ms XXXX who advised that they are reviweing the request for transfer of services. Since I did not hear further from XXXX, I again called corporate office number on XX/XX/2019 and this time spoke to Mr XXXX who advised that account would have to be cancelled and I will have to bear penalty charges for contract termination. No reference number was given by Mr XXXX despite being asked. Mr XXXX advised that he has documented our conversation. 
Subsequently my account was terminated on XX/XX/2019and XXXX levied {$80.00} as contract termination charges. Subsequently on XX/XX/2019, XXXX  ( XXXX ) transferred my outstanding balance to collection agency AFNI Inc, XXXX XXXX XXXX XXXX, ILXXXX ( XXXX ). Collection agency has since been harrassing me over the phone and I have not received a single letter in writing from collection agency formally advising charge of {$80.00}. I am extremely disappointed that my credit score is being adversely impacted by collections despite my request for transfer of internet services. 
I repeat that I merely asked for transfer of internet services and not cancellation, if XXXX ( XXXX ) cant  provide service at my current residential address than service provider is/was the one which cancelled the contract and accordingly should bear termination charges.
Consumer complaint received 2020-01-11
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. (FL)

After advertising and advising me a debt consolidation loan would payoff outstanding amounts they denied me a loan- That same day we purchased a new vehicle- score XXXX XXXX respectfully. They did NOT take into consideration we were paying and based their loan rejection of evidently erroneous information! See attached!
Consumer complaint received 2020-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I have some small issues taking place on my credit reports. I have Fake or made up names showing up on my credit file. My legal name is XXXX XXXX XXXX Please remove any other name that is not spelled properly! My DOB is XXXX my full SS # is XXXX. I live at XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. Please delete these fraudulent addresses : XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The phone number are not accurate please delete them. 
( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2020-01-11
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 (NY)

I use my app bank of America to sent they money via XXXX and the person never received the money ... 
I call the bank several time .we go at the bank too ... they review the third part account and the know that he never received that money But the bank don't want to give me my money back