davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-07
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. (FL)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers ' right to privacy. '' Experian is a consumer reporting agency and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX XXXX is a financial institution by definition under title 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX, the XXXXancial institution and the Consumer reporting agencies Experian does not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Experian and XXXX XXXX XXXX XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Experian is not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am opting out of the above-mentioned companys reporting services.
Consumer complaint received 2022-07-11
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. (PA)

In accordance with the Fair Credit Reporting act 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 2 : It also states a consumer reporting agency can not furnish an account with my written instructions.
Consumer complaint received 2018-11-03
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LDF Holdings, LLC (AL)

I sent an email to the company after I discovered the loan is not legal in the state of Alabama which I am a resident of as they must be licensed in my state which they are not. Below is my email and also their response.

Dear Lender, It has come to my attention that payday lenders must be licensed by the state of Alabama in order to offer loans to its residents. Since your company has no license in my state, the loan contract I have with you is not valid. Although I am not legally required to do so, I am willing to repay the principal balance of this loan. To date, I received a deposit of {$500.00} on XX/XX/18 and have paid {$1200.00} back.. This results in an overpayment of {$760.00} At this time I am requesting a return email acknowledging that my loan has been paid in full. Also, I would like a refund of the {$760.00} overpayment. A refund check of {$760.00} should be mailed to me at the address you have on file. 
I am also revoking authorization for ACH withdrawals and any wage assignment I may have signed. I have given a copy of these revocations to both my bank and my employer. Any future attempts to collect funds in this manner will be blocked. 
Please respond to this email with acknowledgment that my account has been satisfied in full. Details of when I can expect the refund check, as discussed above, should also be included in the email.Also do not call my place of employment as my employer forbids these calls.Any communication in this matter you can send thru my email, XXXX XXXX XX/XX/2018 tal Amount Due : {$390.00} Hi, You have remained unresponsive to our requests. Our efforts to build on the mutual engagement and cooperation have been documented. Act now if you are still interested in setting up biweekly payments of {$78.00}. If you need a more flexible arrangement please reach out to me. 



If you are not able to respond to this email, please call me as soon as possible, XXXX Thank you, XXXX XXXX. 

XXXX XXXX XXXX cid : XXXX Direct Line : XXXX Toll Free : XXXX ext XXXX
Consumer complaint received 2019-03-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (AL)

This complaint is against Experian. My credit score is dropping when nothing has changed in my credit report from last month. I even paid off a {$6200.00} personal loan, and my score still dropped. I called Experians customer service. I spoke with a lady from XXXX, I think. This is my second complaint. Why does someone from another country have access to my credit report?
Consumer complaint received 2018-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Midwest Recovery Systems (AL)

I submitted a complaint case number XXXX and the company responded which I have included below. It has been over 30 days and its still showing on my credit report. I want it removed as stated right away .... 


STATUS Company responded on XX/XX/2018 RESPONSE TYPE Closed with explanation Company 's Response Midwest Recovery Systems ( MRS ) strives to provide the highest quality of service to our clients and our clients customers. Therefore, MRS regrets hearing otherwise and takes these matters very seriously. Thank you for bringing this complaint to our attention and we appreciate the opportunity to respond. Upon receiving notification of this complaint, MRS investigated regarding this matter. It was found that our client was unable to validate this debt. This account has been marked as Unable to Validate as of XX/XX/2018 and a record of deletion will be sent to the three credit reporting agencies. Please allow 30 days for the credit reporting agencies to update their records. If there are any questions, please contact our office to resolve this at XXXX. You may also email us at XXXX. - MRS Compliance Team
Consumer complaint received 2018-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

OnXX/XX/2017, I send XXXX a dispute letter to take off the current bankruptcy on my credit report. XXXX responded back to me saying XXXX  Bankruptcy Court reply back verifying this bankruptcy on my credit report. And then I sent a 2nd dispute letter onXX/XX/2017. After that XXXX again sent a letter saying the bankruptcy court again verified this on my account. This is clearly a violation under Fair Credit Report Act.
Consumer complaint received 2018-11-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: National Credit Services, Inc. (WA)

I had to call national credit services in XXXX, wa so i could talk to them about the student loan. i told them i think that it might not be mine because i went to XXXX XXXX in XX/XX/XXXX-XX/XX/XXXX, not XX/XX/XXXX. i asked to be able to look at the documents so i could see because i remembered seeing the discrepancy years ago. they wouldn't tell me anything about it. they just said that since it was consolotated that they didn ; t have any information on the original. documents. it wan ; t until after they made the payment that they told me that the bill was incurred in XX/XX/XXXX. but they wouldn't tell me anything else and wouldn't email me the information. 
i just want to seee the documents and i want to cal the consolodation company and find out what they have. and i want to make sur e that it was me, so i'm not paying for someone else 's education. 
if it's mine, i'll be fine with it, but i want to make sure. and i was denied that right. 
i feel that i was treated like a subhuman and preyed upon. 
i want justice, i should be able to see the information on the bills that i am paying.
Consumer complaint received 2018-11-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY (DE)

On XX/XX/XXXX, I called Wells Fargo to get the overage I have paid on a monthly basis ( since XX/XX/XXXX ) to be applied directly to my principal loan amount. I need to get my principal amount trued up as I was trading in my vehicle. The representative told me they would be applying approximately {$700.00} to principal amount and it would take 48 hours to hit. I asked for a revised principal amount and the representative gave me approximately {$10000.00}. 48 hours after, I looked at my account and they messed up my last two payments which then made my balance approximately {$11000.00}.  Approximately {$600.00} more than what they told me it would be changed to. I bought the new car using the number what was provided to me my the representative ( ~ {$10000.00} ). Now I owe the dealership ~ {$700.00} ( including interest on pay off ) because of Wells Fargo 's inaccurate number. I made a huge life decision based on bad information provided to me directly by the bank.
Consumer complaint received 2018-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (WI)

I contacted Experian to let them know that they have changed my name on my account to my husband 's name. They advised me that my husband membership/account is his name and ssn, and his report, but my membership/account is under his name and date of birth, but my social security number. 

I am not sure how this mixed up happened. I can only imagine because we used the same computer to sign up for separate memberships with different email addresses, two days apart, but when I logged into my membership which I set up two days prior to his ( and it was under my name and date of birth at the time ) we have different login numbers as well ... so when I logged into mines today his name appears and my credit history appears. He logs into his, his name appears and his credit history appears.

So basically they have taken my identity and given it to him and now they are telling me I have to prove that they did that. I asked them can they please just track down what happened and reverse they advised me no. I would need to mail in proof of my own identity. So I am now being inconvenienced for their errors. The time I will need to take off of work to get this done ( going to get social security card, birth certificates, typing letter and mailing or faxing it off ), I will need to be reimbursed for. Additionally, I am trying to make a major purchase and now I have to wait 30-45 days for them to correct what they did in a few seconds.
Consumer complaint received 2018-11-03
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)

As with my previous contacts with you all I have stated that I am in the XXXX XXXX and I have been in one for a number of years due to a XXXX  XXXX of XXXX XXXX. There is an account that is not mine and I have absolutely no knowledge of from the Department of Education regarding my student loan and it is reporting on my credit report. I have disputed this and was told by the credit company that it was my account however I have no knowledge of this account or just anything about it. Please contact the necessary agency in happy remove thank you very much!
Consumer complaint received 2018-11-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Agency of Credit Control (OK)

Agency of credit control has placed this collection on my account without notice for the second time. I asked for verification and they have sent a letter that it was paid in full and account will be ceased but still did not put in a request to have account removed from credit bureau or verification. First time I filed a compliant the account was removed off credit report and 6 plus months later account was added back on my credit report.
Consumer complaint received 2018-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BARCLAYS BANK DELAWARE (MI)

I have an auto charge from XXXX XXXX which was {$6.00} a month. 

On XX/XX/2018 and XX/XX/2018 Barclay received {$6.00}, a total of {$13.00}. 

So, I had a credit of {$6.00} on my account. 

Now this credit disappeared on my next statement. I should have had a credit carryover.
Consumer complaint received 2018-11-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

I have promotional balances coming due. The regular monthly payments do not get applied to promotional balances. They only apply payments to regular fixed payment reduced APR. You can call and make an extra payment only after you initial minimum payment is applied. When you tell them you want the extra payment to go towards a particular promotional balance, they say no problem, then continue to do a payment allocation. They even give you a confirmation number. After having to wait 72 hours, I check my account and the extra payment is treated as a regular payment for the next month, and only applied between fixed pay accounts. They have no interest in having you pay off the 12 mo no interest amount so they can hit you with an extremely large interest fee. This has happened in XXXX and now XXXX. When I call to complain, they tell you they will correct it and wait 72 hours again to see it appear on your account. By this time, you are already into the next billing cycle. And the problem stars all over again.
Consumer complaint received 2019-03-30
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: EQUIFAX, INC. (MD)

I first found in XX/XX/XXXX that my SSN was compromised, and have been diligently watching my credit history ever since. On XXXX XXXX, XXXX, when I tried to check my credit report at Equifax.com, XXXX XXXX report was pulled after I provided my SSN and other identity information. From the report, I found that XXXX XXXX ( a.k.a XXXX XXXX or XXXX XXXX XXXX ) in California opened 18 accounts with 11 different financial institutions using my SSN in the past 11 years. I did not open or authorize these accounts, and have requested all relevant institutions to close those accounts immediately. 

I sent a letter of explanation to EquiFax on XXXX XXXX, XXXX, requesting it to separate the ID thief 's information from my SSN. I never received any response from them other than my own credit report.
Consumer complaint received 2021-05-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

On XX/XX/XXXX Countrywide Home Loans , INC. initiated a securities instrument under the guise of America 's Wholesale Lender as a corporation organized, and existing under the laws of New York. AWL was never a registered Domestic or Foreign in NY State at the time of issuance. T he Assignment of Mortgage unto Bank of America N.A., successor by merger to XXXX XXXX XXXX XXXX XXXX XXXX Countrywide Home Loans Servicing XXXX. When BOA was assigned this note on XX/XX/XXXX they went into the NY Corporate Division to register AWL on XX/XX/XXXX fulfilling the deception that Countrywide admitted int eh lawsuits that were carried out in the Great Recession of XXXX ' the Biggest Scam in American Real Estate. This is " Securities Fraud ''. The Note and Mortgage are void because the alleged Lender America 's Wholesale Lender stated to be a New York Corporation, was not in fact incorporated in the year XXXX or subsequently, at anytime, by either Countrywide Home Loans, or BOA, or any of their related corporate entities or agents. America 's Wholesale Lender, and its predecessors in interest had no right to receive payment on the mortgage loan because the loan was invalid and therefore void because the corporate mortgagee named therein, was non-existent, and no valid mortgage loan was ever held by America 's Wholesale Lender or its predecessors in interest. The alleged assignment of Mortgage which purported to transfer interest in this mortgage to XXXX XXXX XXXX XXXX XXXX XXXX Countrywide Home Loans Servicing, LP as assignee was invalid because Mortgage Electronic Registrations Systems Inc. XXXX MERS XXXX, as nominee for America 's Wholesale Lender had no Authority to assign the ownership interest of said mortgage because XXXX was not the owner of the subject mortgage and was only a nominee for America 's Wholesale Lender, an alleged New York Corporation which was non-existent Corporation. Said purported assignment was without authority, and therefore invalid.
Consumer complaint received 2018-11-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

My complaint was on mortgage FRAUD. XXXX XXXX XXXX for some reason S.P.S. answers it but they can't answer Mortgage fraud. I've called and spoke to someone on phone sent in the document several times. Was referred from team Trump. I get the same response every time or XXXX XXXX dose not respond. My name is XXXX XXXX XXXX XXXX XXXX. I don't want to waste your time or mine. If you can't look in to mortgage fraud.
Consumer complaint received 2018-11-03
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. (NJ)

After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file.
Consumer complaint received 2019-03-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

The store " XXXX '' has reported me to the credit bureau " Experian '' that I owe them {$1200.00}. I have already sent the information to the credit bureau and I have sent 2 letters to Experian saying that, this account is not mine. We have also gone to the stores of XXXX in person and I have given them my information, my social security number, and my identification. The first ever letter I wrote to Experian was back on XX/XX/2018. The second letter I have sent to Experian was also back on XX/XX/2018. I have also done a dispute against this account multiple times through " Experian.com ''. And they have not removed this account from my credit report. I do not know what else to do to get this account removed from my credit reports. Because I have NEVER opened a credit card with XXXX. Hopefully, you can help me get this account removed.
Consumer complaint received 2018-11-03
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. (NJ)

After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file.
Consumer complaint received 2018-11-03
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALTERRA GROUP, LLC (NV)

Around XX/XX/2018 my daughter 's loan officer called me and wanted my bank statement with balance. He had read my bank statement. He was complaining that the print was too small even though he told me he read it. All of this is because I gave my daughter a small amount of money {$7500.00} to pay her closing costs.. Mind you I am not getting the loan to buy a house. My name will not be on the title of the house. He went on to tell me he needs to know that I am not selling drugs or participating in other illegal activities. Again this is not my loan. It is my daughter 's and her husband 's. Can you help me with this problem. He told me that he is denying my daughter a home loan. My name is XXXX XXXX XXXX I would like a call from the entity that can do something about this problem. And if they think this man was out of line. My daughter and her husband both work and are law abiding citizens. For such a small amount of money that I gave them I don't give them my personal information. If it was a large amount of money then it would be different.
Consumer complaint received 2018-11-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: AMERICAN EXPRESS COMPANY (NY)

My " Serve " them that I had received a referral from a Third party  which resulted in me being awarded the account, but that made no difference. 
I informed them that I had previously enjoyed the type of consideration which I was then requesting on the same account, to no avail. 
I finally informed Customer service that my " Serve " account was linked to my XXXX XXXX account without success The closing created a detriment to my XXXX XXXX  account. 
I mailed a letter by Certified mail to this affect to American Express Customer Relations Team in XXXX XXXX XXXX back on XX/XX/18 and they have issued no response, Notwithstanding the fact that my account was closed without any prior notice to me through mailings or through email.