davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-15
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-02-15
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. (LA)

i have file a FTC report and these are the items that are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also, I have attached more information below concerning my identity theft report
Consumer complaint received 2020-08-03
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: CREDIT ACCEPTANCE CORPORATION (NY)

My credit reports that I made two late payments in the month of XXXX & XXXX off 2020. Ive never paid my car note 30 days late. Ive continually made my monthly payments before 30 days. Credit Acceptance is reporting that I made two 30 day late payments which is false. I have documentation that I never missed a Payment, I notified them of this error 5 times and I also mailed a certified letter requesting such request. This error on my credit report has cause me serious credit issues, I was in the process of purchasing a home and now I ca one cause of this. I am not happy with this company
Consumer complaint received 2019-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XX/XX/2019 - I was notified through my credit reporting service that XXXX XXXX is reporting me as late for XX/XX/2019. 

I made 2 payments that month. 
XX/XX/XXXX for {$230.00} made over the phone. 
XX/XX/XXXX - From email from XXXX advising me the payment posted. 
I did not notice For some reason the payment never hit my bank account. I did not notice {$230.00} still in my bank account. 
XXXX failed to alert me the payment did not go through. 
They have a messaging system through the app and as of today, there is no messages about this payment. 

I paid them. Not sure what they did with the payment information. I pay every month the same way and never had an issue.
Consumer complaint received 2022-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (TX)

I requested for a new credit card at WELLS FARGO as the one I have was damaged it was never sent to me and upon looking at my account I found 3 fraudulent transactions On XX/XX/XXXX Starting at XXXX central time in XXXX for {$70.00}. Then to XXXX at XXXX for {$180.00} The third and final transaction was at XXXX XXXX Im assuming later in the afternoon for {$80.00} in Gasoline. I contacted my bank which says it would be resolved and I wont have to pay for anything but Im still afraid it might affect my credit score, I also was able to get help from the amazing staff at XXXX with finding the receipt and they are looking into it on their end aswell.
Consumer complaint received 2019-06-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

I have received harassing letters from PHH Mortgage, almost weekly since XX/XX/XXXX, stating I owed money for insurance in an escrow account I do not have. I pay mu own insurance and taxes separately, I have on numerous times given the mortgage company my insurance policy information. I have called numerous times to work this out, no one wants to help or resolve this, they just continue to send me the same letters over and over, and now I have 2 letters of intent to foreclose. I don't know what to do. they have even tapped my credit twice, XXXX and in XXXX. I have given them everything they have requested. I am getting no where with them, same story month after month. I just want this to be cleared up and my credit fixed
Consumer complaint received 2024-02-16
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. (OH)

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights 15 u.s.c 1681 section 602 A. States l have the right to privacy.

15 u.s.c 1681 section 604 A sectio 2 : lt also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA (FL)

Applied for and was granted a XXXX XXXX XXXX XXXX in XXXX from XXXX. Initial credit limit was for {$15000.00}. Later in XXXX, I received a letter that my credit limit was decreased from {$15000.00} to {$9600.00}. In XXXX I applied for and was granted another XXXX with a credit limit of {$1000.00}. Two weeks ago, I purchased plane tickets for a holiday trip with no issues. My wife went to use her card and it was declined. When I called XXXX, I was advised that my account was closed and that I would be receiving the reasons in the mail. I was then re-directed to the credit department and was given a huge run around. All they kept saying was you will get a letter. When I told them that I had multiple cards, I was told " Don't worry we will be evaluating that card also. '' I felt belittled and talked down to the whole time, when I told them that I have never missed a payment and always paid the card to zero after use, I was told that that did not matter. I believe that this action was taken because I am of hispanic origin.
Consumer complaint received 2021-12-15
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: National Credit Systems,Inc. (KY)

National credit systems has and Incorrectly and inaccurately placed a collection on my credit and consumer report. This event happened and XXXX at the beginning of the pandemic. The company that reported the debt to the collection agency stated that they no longer have any knowledge of needing to pursue a debt collection from me. I reported this to national credit systems and try to get credit repair help and they have violated my rights as a consumer and my violated my privacy. This stat is not accurately reported on all three bureaus it's false and it is needs to be removed. Please investigate this agency.
Consumer complaint received 2021-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have filed several disputes with Transunion last dating XX/XX/2021. They have failed to properly investigate the inaccuracies on my report and well as the account not being mine. I have sent documentation as well as proof and they have failed to do a thorough investigation when I have proof of the inaccuracies as well as a police report and Identity theft report. Transunion has committed several FCRA violations.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I was not present at the dealership for the purchase of this vehicle. My information was given to the dealership by my brother who is an XXXX. I did not agree to be the main signer on this account, nor was I given any information on this matter. 
XXXX XXXX never sent any letters stating the account wasn't being taken care of, only a phone called years after when the account was closed with a letter for payoff. I was not notified of a payment being deferred either. 

XXXX has now claimed the account has just closed on my credit report. Which I haven't been in contact with them in years.
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX is showing a charge off dated for XX/XX/XXXX. In XXXX of XXXX, XXXX XXXX repo 'd my car. The date of last activity by me is XX/XX/XXXX. I have called and spoken with XXXX XXXX to request a payment history from the beginning of the loan. They stated they couldn't look beyond XX/XX/XXXX which shows a payment of XXXX. I did not send in that payment. My grandmother purchased another car for me the day after they came and got the other one. I submitted documentation and to Experian on yesterday and called them today at XXXX. I spoke with XXXX to explain the situation about XXXX exceeding the reporting limitations. I was told they started over from XX/XX/XXXX instead of XXXX. I asked him if he would pull up the documentations that clearly shows the charge off was not originally started in XXXX. I was then told by XXXX that he would not look at any documentations.
Consumer complaint received 2021-12-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

i have my checking account linked into my XXXX for XXXX and XXXX. I had only my XXXX   account preferred for payment, XXXX used my bank of america account. i put in a dispute with XXXX. i been on hour wait call with bank of america , bank of america refuse to drop XXXX overdraft fees, i explained to the representative she said no. and also said feel freeto put in a complaint that i will still be held accountable. I am very upset.
Consumer complaint received 2021-12-15
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. (MO)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (MI)

My credit was pulled on XX/XX/XXXX. On my credit report with XXXX and XXXX XXXX it shows as " comenitycb/wyndham '' as a charge card. They can be contacted here XXXX XXXX XXXX. For some reason it's not listed with XXXX ( thankfully ). 

When I went to the timeshare showing in XXXX XXXX, I was told to sign documents stating i would no longer come to XXXX events as i wasn't interested in them and they don't want clients to come back and use them. I have no idea why i even have this rewards line of credit when i have no interest in their resorts. 

There's also a dispute with XXXX under my name as well, for the OTHER credit card they opened without my permission.
Consumer complaint received 2020-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

In XXXX and XXXX of 2020, I filed a dispute with the Equifax Credit Bureau about the unverified account : XX/XX/XXXX -- Account Number XXXX. In those 2 Months I have asked numerous times for a response and I have not received anything in response from these bureaus in over 45 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today. Thank you
Consumer complaint received 2022-03-28
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: EQUIFAX, INC. (CA)

I am a victim of identity theft and I need help because my credit has been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within XXXX business days of reciept of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2022-07-06
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. (IL)

Hi I am submitting this XXXXXXXX XXXX XXXXis isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-12-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (TX)

My loan matured on XXXX XXXX I knew I had about {$1500.00} in late fees accrued on loan. I contacted Santander before loan matured to try and see if late fees could be negotiated to be able to pay off loan on time. I was advised no that would not be an option for me. 
Once loan matured, I was able to pay the balance owed on loan on XX/XX/21 Balance {$940.00} so that I would only be left w/ late fees to pay later since I did not have the money at this time to pay them. On XXXX XXXX I found out due to credit reporting that they reported me over 30 days past due for principal they state I still owe of {$440.00}. 
I again contact Santander XX/XX/21 spoke to a representative by the name of XXXX. I requested the amount applied to late fees XX/XX/21 of {$430.00} to please be reversed and applied to balance owed. So that I would only owe late fees to pay at later time. Per her supervisor she was advised that would not be able to be done. 
To my prevail prior to this effecting my credit I tried to work w/ Santander In negotiation w/ late fees and I was turned down. After what I thought, I had finally finished paying off my loan they are still maintaining my loan accruing interest, accruing late fees and reporting negative on my credit. 
I believe Santander is in violation of credit reposting on my account and for not wanting to rectify this matter and refusing to work a possible resolution on late fees before all of this occurred. I have enclosed all supporting documents.
Consumer complaint received 2021-12-15
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. (IN)

I recently viewed my credit report and i was distraught to lean that Experian had placed inaccurate information on my credit report. I proceeded to tell them that the inaccurate information was ONLY reporting to them and according to the law, it is my right as a consumer to have a 100 % accurate credit report. XXXX and XXXX are not reporting that information therefore it CAN NOT be accurate and must be deleted. Enclosed is a copy of my credit report showing Experian is in clear violating the law by posting inaccurate information on my credit report disputed inaccurate information on my credit report with Experian. 

Thank You
Consumer complaint received 2021-12-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

My loan was with XXXX mortgage. I signed all my docs with them with no escrow included, I was paying my taxes every year plus my home insurance no payment missed. I have all documents to prove. My mortgage payment was {$1000.00} every month. 4 months ago I find out PHH mortgage bought out my loan. Loan number XXXX Name XXXX XXXX Address XXXX XXXX XXXX XXXX TX XXXX. My dir number XXXX. I have been with these people almost 4 months. These people added escrow to my account and raised my monthly mortgage payments to {$2200.00}, even there is no escrow shortage and provide them all the tax docs I paid last year and this year. I sent all the docs they needed to fix my account. These people sitting in a different country committing fraud to a consumer. I have been paying over for the last 4 months, communicating with these people almost 4 month but they dont listen. I would go legal if it dont get fix soon. I want them to fix my mortgage payments back to where it was and refund my amount I was paying um for last 4 month asap,
Consumer complaint received 2021-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (FL)

XXXX and Discover charged $ thousands to my rarely used card and 2 others while REFUSING to respond to me. I refused Discover mailing to open a replacement card and responded I wld only reconsider AFTER they handled fraud. ( Both XXXX and XXXX fixed within 1 month ). I had to close all 3 cards and reschedule payments.Eventually XXXX ( XXXX XXXX XXXX XXXX XXXX ) initiated conference call to Discover re : issuing new card and notifying XXXX XXXX XXXX. We spoke to 7 Discover employees who did nothing over 2 1/2 hour call. Now my credit rating has dropped drastically. I M XXXX and limited in XXXX XXXX XXXX. Please CALL me for details XXXX.
Consumer complaint received 2023-12-31
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Moore Law Group (CA)

I am a consumer and natural person federally protected as defined by 12 CFR 1002.2 and serving The Moore Law Group and XXXX XXXX, debt collectors, with an official notice of dispute as defined by the FDCPA. Please be advised pursuant to 12 FR 1026.13, this constitutes as a notice of dispute for the amount of {$30000.00}. Please be advised I have not given The Moore Law Group any authorization to contact me, which is a violation of my Federally protected rights and a violation of 15 USC 1692. The Moore Law Group has stated We are trying to collect a debt that you owe which is also in violation of my Federally protected rights under 15 USC 1692. I also hereby include notice to cease and desist and to no trespass in the event that any party has no private right to the federal formal written titles 28 USC 3002 ( 1 ) ( A ) ( B ) ; 31 USC 3718 ; and 18 USC 8.
Consumer complaint received 2021-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (IL)

XXXX-I reached out to XXXX XXXX to verify the inaccuracy of bankruptcies listed on my consumer report and I have not received any documentation to date from them.