davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-18
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. (AL)

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. 
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 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 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.

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. 

The following inquiries were also opened under my social security number fraudulently as well. 

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
Consumer complaint received 2018-12-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CT)

On XX/XX/2018, Navient took {$410.00} out of my account when they were only supposed to take out {$240.00}. When I contacted Navient I was told I had to prove that amount was taken out and that it would take 10 to 12 business days for me to receive my money. Even though they made the error, I had to do the work to get my money back and then it would take almost two weeks for me to receive what Navient took in error. On XX/XX/2018 I received {$160.00}, the difference of what I owed for my monthly payment. I received my money 14 days after Navient took it. On XX/XX/2018, I spoke with a customer service representative from Navient. I asked for my payment for the month of XX/XX/XXXX to be taken out on XX/XX/18 instead of XX/XX/18. He made the change for me and then re-entered me into the income based repayment program. I was told my new monthly payment would be {$330.00}. I was also told that my XX/XX/XXXX payment would come out on XX/XX/XXXX and that it would be {$330.00}. I woke up on XX/XX/2018, to find that {$410.00} had been taken out of my account from Navient, I was overdrawn on my bank account, and my bank had charged my the {$35.00} overdraft fee. This is the second month in a row that Navient has made an error regarding my account. Now it will take another " 10 to 12 business days '' for account to be credited and I have to prove to Navient that they took it, and once again, do all of the work to get my money back, which they took in error.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Consumer complaint received 2020-02-09
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)

I HAVE MOVED FROM XXXX XXXX BACK TO XXXX  I SEEN THAT SOMEONE HAS ACCESS MY PERSONAL CREDIT FILES AND I HAD LOST MY ID A WHILE AGO. I WANT TO PROTECT MY CREDIT FILE AS MUCH AS I CAN. SOMEONE IN XXXX XXXX   HAS BEEN USING MY NAME A SS CARD NUMBER TO APPLY I REQUESTED SEVERAL LEGAL DOCUMENTS AND HAVE NOT RECEIVED ANY-THING. I AM A VICTIM OF FRAUD. I PULLED MY CREDIT REPORT AND FOUND SEVERAL ACCOUNTS ON MY REPORT THAT DO NOT BELONG TO ME. THE AC-COUNTS LISTED BELOW DO NOT BELONG TO ME : 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,
Consumer complaint received 2023-10-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (FL)

Cashapp allowed three other customers to access or try to access my account and send money to themselves. This occurred around the time that my blackmailers started, and were also demanding {$500.00}! I tried to close my account but they refused because {$6.00} remained in the account. I asked them to just send the money back to me to close the account but they refused. 

Bottom line, I want cashapp investigated as possible accessory to the blackmail and the {$530.00} stolen from my account which was hacked by someone else know to cashapp. The thieves then gave the money to themselves. I cashapps support and was hung up on three times and refused to close my account because {$6.00} remained in the account. However I already deleted the app but that didnt close the account.. Now, I cant access my account to close it, leaving me open to more theft!
Consumer complaint received 2023-07-18
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. (IL)

THESE BUREAUS ARE FALSLEY REPORTING ALLEGED DEBT WHICH IS A FCDRA SECTION 807 VIOLATION ''15 USC 1692e ''. THE ALLEGED DEBT CAN NOT BE VERIFIED ANDI HAVE YET TO RECEIVE A REPONSE AFTER 30 DAYS WHICHN IS ANOTHER VIOLATION UNDER THE FCRA.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (CA)

I paid this account in full on XX/XX/2024 afterwards I used the paperwork to submit a dispute with the three credit bureaus and after the dispute process my account information remained showing that the account still has a balance due and that it is charged off. I understand it will remain as charged off but it should be charged off/paid. The company told the credit bureaus that the account information was correct and that I still owe on the account. This is a false statement and I would like this company to be made aware of best practices when reporting to the credit bureaus.
Consumer complaint received 2023-01-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC (IN)

There was a house put in my name in Florida they post it on my credit saying it was me I called and dispute it so it can be off my credit but they were saying it was me I never stayed in XXXX I never signed anything I never met anybody I have told the guy its not me I dont understand how can u let anybody stay in a house for a year and not make them pay or aleast put them out
Consumer complaint received 2023-03-18
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. (HI)

It is EXPERIAN 's duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. EXPERIAN is reporting an inaccurate late payment for the XXXX account ending in XXXX. This is a 30 day late payment posted in XX/XX/2016. This is incorrect and is supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes this late payment resulting in EXPERIAN violating my federally protected consumer rights. To add to this, I did NOT give EXPERIAN written instruction or permission to furnish this inaccurate late payment on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Consumer complaint received 2020-12-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliant Capital Management LLC (CO)

Alliant Capital, Repeated calls to me and my father claiming that I took a {$1500.00} loan in XX/XX/2020 which I did not and do not see anything similar on my credit report. I believe this is a scam and fraudulent. The repeated calls offer to settle the debt for a fraction of the principal. They have fragments of my personal information but nothing complete and always request my SSN before telling me anything about the supposed debt. I receive multiple calls per day.
Consumer complaint received 2019-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had a 0 % interest promotional balance that expired on XX/XX/19. I checked the statement before that to ensure I had the right $ amount I was paying plus the monthly minimum, plus the annual account fee. 

They charged me interest of {$1.00} on the annual fee the same month they put the charge on my account. Now they have not applied my payment to the 0 % promo that was expiring and have charged me approximately {$98.00} in fees plus another {$1.00} in fees My statements show the amount was due, I paid it and they credited my account 3 days before the expiration and I paid more than what was due. 

I had two 0 % balances and they applied to the other balance that is due in XXXX instead of the one that was due in a few days. I had even received an email reminding me of this being due, so they have to know that was what I was paying. I've had promo balances before with them and other companies and never had this happen, they've always applied it to the right balance. 

I have been a customer for over 20 years with them and I just can not believe they are doing such inappropriate things. 

I have called two times and my first call which I waited over 20 minutes was disconnected and I had to call back. When I called back I decided to use the call back feature which said I would be called back. I have not been called back. I'm going to keep trying to call and resolve this in the meantime. But this just isn't right. I'm a good paying customer and I always pay my bill on time or early.
Consumer complaint received 2019-06-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (GA)

I assumed fha loan 1989 XXXX XXXX bank sold to XXXX who approved for modification pay went from 600 to 300 interest rate down 3.5 % now sold to chase need to pay a month late husband past offer me  modiication first so good why not but how low can go never had refinance second mortgage interest rate paid down to principal 30yr coming up modification approve only incentive XXXX saving on note i felt scam worst part get call ask if i want second loan insured what 2nd loan 25yr never believe second loan call chase explain since note current had pull XXXX out show past due so where is XXXX on back end i see no c hange 30 pay drop now i am stuck with brand new loan 30yr fixed 2nd mortgage no worry you no sell you no pay not accept took 2yr they sorry for 2nd mortgage once see i wont stop call ch 2 new everyone who listen claim small error gave me letter say really owe about XXXX i ask why scam mod was told 5yr dexuct XXXX from principal stall tactic now agent no longer work gave me false incentive i assume XXXX loan try make me pay 60yr so u fair start my mission all over i never refi modification is to enhance your plan i did not need 30yr i was at end i feel scam XXXXyr old never wil see deed help me please
Consumer complaint received 2019-06-29
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. (NC)

Someone open an account in my name in XXXX of XXXX with XXXX XXXX. I noticed it on my credit in XX/XX/XXXX. I have filed a police report and a fraud report with XXXX and it now almost XXXX and I have no answers. My credit dropped 140 point from XXXX to XXXX. Every time I talk with XXXX they seem to have gotten nowhere. The police told me they notified XXXX about an IP address where these people applied for a card in my name months ago. 
This problem needs to be resolved since its ruined my credit. 
I want to sue not only the person that committed fraud but also XXXX for not verifying any information these people put on this application. It is simply unacceptable.
Consumer complaint received 2019-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Received alert on XX/XX/XXXX from credit monitoring company that my Capital One Card has increased by {$1600.00} from {$0.00} Dollars. Last month I paid off that card and should have a {$0.00} balance and be paid in full with account closed. based upon the screen shot this has to an error on their part as the dates do NOT line up. They are saying that credit utilization as of XXXX XXXX was 0 % and at XX/XX/XXXX it was at 64 %. 

XXXX and XXXX both are reporting that both accounts have been closed and settled. 
See attached documentation ...
Consumer complaint received 2019-06-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (KY)

A little over 4 years ago I moved out of an apartment I shared with a room mate. I moved in with my then fiance. He was supposed to get the water bill switched over into his name. A few months later his mother passed away from XXXX and he moved back to Alaska. I have since lost touch with him. He never told me about this and I did not notice this until I opened a XXXX XXXX account a while back. 

Derogatory mark : Collection Opened XXXX XXXX I C SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Original Creditor Name : XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX # XXXX XXXX, KY XXXX ( XXXX ) XXXX
Consumer complaint received 2019-06-29
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)

Equifax had made an error reporting a Hard inquiry by XXXX XXXX - XXXX and told me over the phone the inquiry isn't even mine but have done nothing to remove it, no emails, no calls, nothing. they have my name reported incorrectly and have not updated my address in seven months, the other credit bureau XXXX  has done everything correctly but Equifax has not.
Consumer complaint received 2019-06-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (MI)

I have an American Express Serve Care. There is a disputed charge on card for {$69.00} with XXXX, who Ive never heard of and cant contact for credit! 
I have store credits from XXXX, all made by merchant on same day! American Express has credited some but not all, for no reason!
Consumer complaint received 2019-03-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

The Toyota motor credit settlement administrator is discriminating against actual victims! I submitted my eligibility form to be included in the settlement and was told I do not meet the eligibility criteria. In order to be eligible for the settlement I or at least one co-buyer on the account, must be XXXX-American, XXXX, XXXX, XXXX XXXX, or other XXXX XXXX ; AND You must have purchased a vehicle between XX/XX/XXXX, and XX/XX/XXXX, that was financed by Toyota Motor Credit Corporation. 
I am a XXXX woman who financed my second vehicle through Toyota motor credit in XXXX of XXXX at a 21 % interest rate so Im totally confused as to how Im ineligible. Its so hard to believe this disgusting treatment is still going on in XXXX all because of the color of my skin. Please help me get some justice from Toyota Motor credit and or the tmcc settlement administrator.
Consumer complaint received 2019-06-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (WA)

I have tried and tried to reach Ocwen/XXXX XXXX XXXX. I have called repeatedly, waiting on hold for sometimes 1hr then abruptly dosconnected- I have sent several emails, to include a modification application and never get a response. I have requested 3times via US mail, a in person meeting to discuss my options - or even get a pay off amount -
Consumer complaint received 2023-07-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CO)

Rushmore Loan Management Services XXXX XXXX XXXX XXXX XXXX, CA XXXX Loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX XXXX XX/XX/XXXX To Whom it may concern, I have a Mortgage with Rushmore Loan Management services due to my account being transferred from XXXX XXXX on XX/XX/XXXX, I am having trouble with our monthly statements being accurate. The statement for XX/XX/XXXX shows the amount owed is {$7000.00}, This is incorrect I spoke with XXXX @ Rushmore he states we are behind 2 payments in XXXX and XXXX, both these payments have been made I attached to this complaint. Our payments are always made in the amount of {$2300.00} and are amount due is {$2200.00} we are paid over each month. 

I am currently in a XXXX  XXXX bankruptcy for a total amount of {$17000.00} since XX/XX/XXXX to date I have paid {$16000.00} amount still remaining {$1500.00}. This amount is also incorrect and it is very important that our monthly statements are up to date and reflect an accurate amount due on our monthly statements and credit reports. 

Thank you, XXXX XXXX
Consumer complaint received 2019-06-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

Came to make myonthly mortgage payment to wells fargo bank. As I get to the counter and give my information to the bank teller, bank teller is unable to find my informaion and tells me that she sees my account but can not access it. She then tells me that my loan has been sold although it does not show to whom. I have not received notification over the nail about this change. I dont want to be late on my payment and dont want late charges. Please advice XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC (FL)

CAPIO PARTNERS added a collection to my credit reports without my knowledge. 
I have never received any written correspondence from this company. CAPIO PARTNERS reported this collection to XXXX, XXXX, and XXXX in the amount of {$420.00}, opened on XX/XX/19. This information is invalid. I have no knowledge of where this debt comes from. I have not received any correspondences from the original creditor or this company. CAPIO PARTNERS putting this collection item on my credit reports without my knowledge violates the FDCPA Collection Practice by placing a collection on my credit report without sending a letter to me. This letter is required under law and states my right to dispute the validity of the debt within 30 days. They took that away from me and it is illegal to do so. They have not only done this once, but TWICE without my knowledge on XX/XX/19 and XX/XX/19. This item needs to be removed from XXXX, XXXX, and XXXX immediately as I have no business with CAPIO PARTNERS nor was a debt validation letter sent to me. No signed contract by me, bill, nothing. This needs to be removed.
Consumer complaint received 2019-06-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MN)

Subject : shellpoint Loan : XXXX ( Rate Correction ). 

Dear CFPB & AG office : Greetings, attached are documents confirming the Shellpoint interest rate error that occurred on my loan in XX/XX/XXXX. Shellpoint raised my loan rate to 3.75 % in XX/XX/XXXX, ignoring the fact and document that XXXX XXXX   Locked our loan rate in at 0.01 % for the life of the loan on XX/XX/XXXX ( Attached XXXX Document and loan statements ). 

1. This error occurred 9 months ago and still has not been corrected, despite my continued phone and written communication and documentation to remedy this error with ShellPoint. 

XXXX XXXX  Locked our loan rate in at 0.01 % for the life of the loan on XX/XX/XXXX ( Attached XXXX  Document and loan statements ). 
Please credit my XX/XX/XXXX to Present loan payments to the principal of my loan and credit interest paid for these months back to my account. 

I have Communicated this Shellpoint Interest Rate Error with the following Shellpoint Managers seeking their assistance in resolution via documentation and written contact. without success : 1 ). XXXX XXXX, 2 ). XXXX XXXX, 3 ). XXXX XXXX, and 4 ). XXXX XXXX as well as the 5 ). Shellpoint loan servicing department Shellpoint must correct their error by : 1. Correcting my Interest rate to the lifetime lock rate of 0.01 % for all months past and present of the loan. 
2. Credit my account the over interest payments made since Shellpoint 's XX/XX/XXXX Interest change to 3.75 %. 
2. Mail a New XXXX Corrected ( Interest Paid ) statement and 3. Correct XXXX interest paid statements to reflect the correct 0.01 % Rate. 

Thank you for expediting this matter. 

Regards, XXXX XXXX XXXX XXXX : ( XXXX ) XXXX