davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (TX)

On XX/XX/2022, a caller from Comenity Bank called me and told me that I owed {XX/XX/XXXX} in due on a credit card. I told the person I can guarantee {XX/XX/XXXX} on that day, but she kept telling me to pay {XX/XX/XXXX} right now or later before the month is over. I told her what I had to pay right now but she kept telling me in a aggressive tone to pay the current amount. After hanging up the conversation, I checked the account of the debt and it shows {XX/XX/XXXX} past due.
Consumer complaint received 2019-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (TX)

Chase credit card, I settled for less than balance and paid in full on XX/XX/XXXX. The original balance was {$940.00}. They are still showing a balance. 

XXXX sold my account to a third party, XXXX XXXX which I did pay for less than balance in XX/XX/XXXX. Not updated or noted on my report. 

XXXX XXXX sold one of my loans to XXXX XXXX, which I settled for less than the balance in XX/XX/XXXX. XXXX XXXX will not note it. They did on my other loan.
Consumer complaint received 2019-04-16
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: Experian Information Solutions Inc. (MD)

There was an account opened in my name in XX/XX/2014 at XXXX XXXX, before I was XXXX years old. There is also another account from XXXX XXXX that was opened. Both of the accounts are fraudulent and I have asked for validation several times from them, and the credit bureau so that it could be deleted from my report. I have not received any validation and the credit bureau keeps updating the account. The last account is XXXX XXXX that is being reported twice on my report, one as negative and one as positive and paid with the same account number. I disputed this account also, with no response or validation sent for the account. Last, I asked for validation for the collection debt from XXXX XXXX twice and still I have not received anything that attaches any of these debts to me.
Consumer complaint received 2023-03-22
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. (NY)

I'm composing this complaint to TELETRACK. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. 

Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A. It also says that a consumer reporting agency can't give me an account unless I tell them in writing
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX has improperly reported the same home equity line of credit TWICE at the Experian credit bureau. Despite complaints to both the bank and the credit bureau, they have refused to remove at least one of them. Moreover, BOTH entries are reporting delinquencies in XXXX, 2020 despite receiving a COVID-19 deferment.
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

In XXXX of 2020, I contacted XXXX XXXX XXXX to let them know that they erroneously reported a late payment on a loan held by my son, XXXX XXXX, on my report. Not only was the payment on time, but an additional principal payment had been made that month. The late payment was only reported to my equifax report, causing an 80 point difference on my equifax report from the other two agencies. I spoke with various employees such as XXXX XXXX and XXXX XXXX. XXXX XXXX told me that he would get the correction taken care of but has never answered another call or email again. After two years of waiting and a letter from my lawyer, a correction still has not been made. This is now causing me to get higher rates quoted on other loans that I have applied on.
Consumer complaint received 2019-04-11
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. (MA)

I finally got to look at my XXXX  credit report and found out that I have so many hard inquiries that i knew absolutely nothing about. I called the companies and they told me to report it with XXXX  so i called XXXX and they said to call the companies and no one would do anything about it. I am opening a complain here as my last option. Below are the inquiries. 
XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX  XXXX  Open XXXX To Be Closed XXXX XXXX/XXXX  XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX  XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX/XXXX  XXXX Open XXXX To Be Closed XXXX XXXX/ XXXX/XXXX Open XXXX To Be Closed XXXX XXXX/XXXX  XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX  XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX  Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX Open XXXX To Be Closed XXXX
Consumer complaint received 2024-05-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (AZ)

Our loan was transferred to Mr. Cooper in XX/XX/XXXX shortly after closing in XXXX of XXXX. A year later when our homeowners insurance was due the payment was not made. After several calls to Mr. Cooper over the course of several months, the premium was finally paid in XXXX of XXXX ( but was due back in XXXX ). When the first annual escrow analysis was done ( XXXX of XXXX ), the new premium had not been paid and was not taken into account at all we have since concluded. We were not provided this first annual escrow analysis though we did request it. ( The original HOI premium was approximately {$860.00} but the renewal was {$2200.00} ). Our escrow holding was left unchanged that year as a result. When our 2nd annual escrow analysis was done in XXXX of XXXX ( we did receive a copy of only this one we requested ), we were notified that our payment was going up $ XXXX due to the shortage of {$2900.00}. The homeowners premium had increased to {$3100.00} which we quickly reduced to approximately {$2400.00} by increasing our deductible which should reduce the shortage by nearly {$700.00} but we are still being told that our payment will be increased {$370.00} due to the shortage once the {$700.00} refund from the insurance company is received. The shortage that developed over the course of 2 years and should have been addresses sooner if the first homeowners ' insurance increase had been taken into account in the first annual escrow analysis. We have been paying into escrow only $ XXXX for homeowners insurance for all this time and only now, 16 months after the first premium increase, are we suddenly being charged for all of the two years in addition to the upcoming year, all at once. We feel this unexpected huge increase due to the homeowners ' insurance not being paid on time is the fault of our mortgage servicer and a special workout should be put in place as a result ( extending time to pay the shortage ). We also feel they may be collecting too much as we have family members with a different servicer ( XXXX XXXX ), that had a larger shortage of {$3300.00} yet their payment only went up by $ XXXX.
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2019-09-19
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: Radius Global Solutions LLC (NV)

On XXXX XXXX, a company named Radius Global Solution placed an account under collection on my credit report. The company failed to properly verified the debt or abide by the FDCPA. This account does not belong to me or I lack enough info to claim ownership of the account. For then underlying reasons, I would like the company to remove the account from my report and contact me at XXXX
Consumer complaint received 2023-03-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I XXXX XXXX, was fraudulently induced into sharing account access information to someone who was impersonating a Bank of America agent. On XX/XX/2023, I had received a text message from XXXX stating that a Bank of America fraud representative is trying to reach me. This person tricks me into believing that someone was trying to make a purchase for a French bulldog in XXXX, Georgia under my bank account. When they called, the caller ID appeared as " Bank of America '' with a spoofed Bank of America phone number ( XXXX ) To remedy the dilemma, I was instructed to send payments of the same amount via XXXX, and out of fear, I immediately obliged. I did the transaction twice, being tricked that both times I was sending money to myself. I was robbed of {$7000.00} on XX/XX/2023.
Consumer complaint received 2016-01-07
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XXXX, 2015, I made a {$25.00} donation to my XXXX support group using my Bank of America XXXX. I never received the bill and, admittedly, I forgot about it until XXXX my other credit cards was canceled because of the outstanding delinquency on XXXX XXXX, 2015 ( FIA Card Services ). When I bought my credit report from XXXX on XXXX XXXX, 2015, I found out about the unpaid bill and promptly contacted Bank of America by phone ( to find out the total outstanding charges, including finance charges and/or late fees ), and paid the bill online that same day ( payment cleared the bank XXXX XXXX, 2015 ). I also requested Bank of America send me a copy of the outstanding bill, which they did. When I received the copy a week later, it said the amount due was {$28.00} ( the amount of the payment I made ) ; the due date was XXXX XXXX, 2015. When I received an updated copy of my credit report from XXXX ( dated XXXX XXXX, 2015 ), I was stunned to see that, although my Bank of America account was now showing the status as " current, '' there was another outstanding bill for {$1.00}. For the second time, I had to call and request a copy of the bill by phone. I paid it XXXX XXXX, 2015 ( the due date on the bill is XXXX XXXX, 2015 ), but I 'm disputing the additional charges ( listed on the bill as " minimum interest charges '' ). I 'm also disturbed that I received no bills in the last 6 months, except when I phoned them to request duplicates. What 's wrong with this picture ...?
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

I have a hard inquiry on credit account from XXXX XXXX XXXX XXXX. I never shopped a car from this company or ever looked from financing from this company. 

In accordance with the fair credit reporting act 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 2022-02-02
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. (CO)

I XXXX XXXX have pulled a recent credit report on my self and noticed under personal information on my credit report it is saying : This address has pertained to a business : XXXX XXXX SOUTH XXXX XXXX XXXX CO XXXX as well as FINANCE-INSUR.-REAL EST. XXXX. : XXXX XXXX XXXX XXXX XXXX, XXXX, CO, XXXX I have no connection with this information reported under my name, I have contacted one of the credit bureaus Experian to try to dispute this innacurate reporting and they informed me there is nothing they can do an no information on why it is there and where its coming from. I have not lived at any address connected to XXXX XXXX XXXXh XXXX XXXX since prior to XX/XX/2019 my current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX. I have attached my credit report from experian showing my personal information, I have also uploaded my ID and proof of address for verification purposes.
Consumer complaint received 2022-04-04
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (MI)

I sent this to American Education Services, after repeatedly requesting help because I was unemployed, and it started at the beginning of the pandemic. I have requested Income-Based Repayment ( IBR ), and was told they are not available, which has placed me in default. I have received a document from AES stating ( Urgent : Your Loan Is Due In Full ). I am presently living on SSA retirement so I have a limited income while I arrange to have my XXXX XXXX. I sent it after reading that the CFPB had sanctioned XXXX for deceptive statements, part of that article recommended requesting a refund of the payments made. I have done this with the email below, but I still have not gotten a response from them. 

The email with AES : I am writing this to help clarify our situation. At present, I am in default for the student loans you hold with me. Please understand that I have appreciated your work with me while I have been repaying these loans when I needed assistance because I could not afford the payments. 
Since XXXX of XXXX, I have asked for and received help from you since I lost my job. Once the extension and forbearances ran out, I had to make my payment to you, and I have as best I could during this time. 
I have investigated bankruptcy and found that Student loans are protected unless they are causing Undue Hardship, so I send a partial payment each month. 
My confusion comes from this. Private and Federal Student Loans are protected from bankruptcy by law. If they are protected under the same laws, then they should also have to adhere to the Covid-19 policies that have been set to help in this crisis. If these loans are protected from bankruptcy as the Federal Student Loans are. These student loans have been suspended since XX/XX/2020. The U.S. Department of Education ( FSA ) encourages borrowers to request refunds through their loan servicer as soon as possible. 
My Questions : 1. If these loans are protected from Bankruptcy as the FSA loan are, why dont they have to follow all the laws and policies ( even the Covid-19 Policies ). 
2. If these loans are protected from Bankruptcy as the FSA loan are, why have I had to make all the payments since XXXXXXXX XXXX XXXX, since on XX/XX/2020, all payments have been suspended for Student Loans? 
3. If these loans are protected from Bankruptcy as the FSA loan are, why do I have negative reporting on my credit report since these loans have had the payments suspended? 
Any Help answering these questions would be appreciated. 

My Request : Per the advice of the U.S. Department of Educations Office of Federal Student Aid ( FSA ). I am requesting a refund of all my Payments since XX/XX/2020 ; I can provide an exact amount if you need it. 

Your help is appreciated,
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name is, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Consumer complaint received 2023-03-22
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. (TX)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2022-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following accounts needs to be rectify : XXXX / {$700.00} / XX/XX/2022 XXXX  / {$4100.00} / XX/XX/2022 XXXX  / {$3900.00} / XX/XX/2022
Consumer complaint received 2019-06-12
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: Experian Information Solutions Inc. (NV)

Hello, I wrote my first dispute on XX/XX/XXXX and did not receive anything back from XXXX  and XXXX. Experian sent me an incomplete letter ( which i know now it was a stall letter ). I now sent a second round on XX/XX/XXXX.  However, they did not answer my first dispute and according to the Fair Credit Reporting Act that they had more than 30 days they need to delete the information on my credit report. This is hurting my credit worthiness. I do not want the credit bureaus sending a letter saying they are investigating when they have had since XX/XX/XXXX. It is now XX/XX/XXXX and I have yet to receive anything else.
Consumer complaint received 2022-04-04
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. (NC)

In accordance with the fair credit reporting act XXXX  Account # ( 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, has violate my rights. 
15 U.S.C. 1681 section 602 A. States I have the rights to privacy.

15 U.S.C. 1681 section 604 A. it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX of XXXX FL has not removed inquiry after I mailed a set verification on or around XX/XX/2020. This has deniede better financial & transportation resources for work. The injury is dated for XX/XX/2020.
Consumer complaint received 2022-04-04
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. (VA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am a victim of identity theft and fraud, fraudlent inquiries are on my account I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XXXX XXXX, XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.