davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (MA)

I have a free account with Experian that I created to freeze my credit report ( thanks to a XXXX  data breach that exposed my SSN, driver 's license, and more ). Experian immediately started sending me numerous marketing emails. I logged into my Experian account and unsubscribed from all marketing emails but I still continue to receive emails with subjects like " Your Dark Web Results are Available '' and " Awaiting Review : Your Financial Profile ''. There is no way to unsubscribe from these and they contain text claiming that they are not marketing emails but rather notifications of changes to my account. But they obviously ARE marketing emails as, upon following the links in the emails, I am immediately prompted to upgrade my account. Further, if I dismiss that page and continue, every single page contains buttons that require an upgrade. 

Experian appears to think that by labeling marketing emails as important account notifications, they can continue to send them, with no way for recipients to opt out. This is deceptive and outrageous.
Consumer complaint received 2020-12-16
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. (NJ)

Sent letter 90 days ago heard nothing back, tried calling no answer, cant get through, extreme wait times, and IVR systems that take you around in circles
Consumer complaint received 2021-06-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (PA)

Been faxing for a year! WELLSFARGO LIES ALL THE TIME, SEE XXXX XXXX XXXX ONLY NEED 3 MONTHS!!!!!!!!!!!!!!!!!!!!!!!!!!! AND TOOK INFO OFF RECORDERS OFFICE????????? Will keep complaining til done!
Consumer complaint received 2018-05-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (FL)

Greetings, I writing to you due to the harassment of Quicken Loans. I made a complaint to the XXXX XXXX XXXX for an issue I had with them in XX/XX/XXXX. I guess since nothing is being done about that situation. They are finding ways to taunt me about that situation. They put an envelope with closing documents on my doorstep 2 weeks ago and I don't understand why. The papers didn't have any changes to it. However, I looked on the website and pulled up my billed and saw that my mortgage will be going up next month to XXXX. They say due to my taxes, which I am exempt from paying taxes. Since I am a XXXX  % XXXX Veteran. And Quicken loan knows this, they have a VA property Exempt paper in their file. I been living at this address since XX/XX/XXXX and never paid property taxes. I went to the tax office they said, Quicken Loan was sent a tax statement when I was sent one this year. She also stated since I been already exempt from paying taxes I do not have to be exempt again. I am not going to play these games with them. I just Buried my aunt Saturday and my mom fiance two weeks ago. Life is too short. I have MY paperwork and some emails sent from XXXX XXXX I am sending along with this text. However, I will not be paying higher a mortgage next month. However, I will be a XXXX veteran because I can't afford a higher mortgage. But I will also send this information to the State Attorney General Office and to Consumer Affairs. Because I have a toddler and a teenager I have to try and shelter them. I did try to refinance with another company but I found out I have to wait a year due to the modifications agreement. Something quicken Loans didn't tell me about, I feel this company is based on one big lie.
Consumer complaint received 2022-03-07
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. (GA)

I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2022-03-07
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. (GA)

I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2200.00} US DEPT ED XXXX Balance : {$980.00} US DEPT ED XXXX Balance : {$1000.00} US DEPT ED XXXX XXXX : {$680.00} US DEPT ED XXXX Balance : {$1300.00} US DEPT ED XXXX Balance : {$1900.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$3300.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2200.00}
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. (CO)

In accordance with the Fair Credit Reporting Act ( FCRA ) 15 USC 1681, section 602a underscores the necessity for consumer reporting agencies to carry out their significant duties with fairness, impartiality, and a regard for the consumer 's entitlement to privacy. XXXX and Experian, recognized as consumer reporting agencies, interface directly with consumers like me. I, as the consumer, possess the fundamental right to safeguard my private information from unwarranted sharing, as substantiated by 15 USC 6801, which underscores Congress 's stance that each financial institution bears an ongoing obligation to uphold the privacy of its clientele and safeguard the confidentiality of their nonpublic personal data. 
Entities furnishing information to credit agencies are categorized as financial institutions under the aforementioned statute. Pertinently, 15 USC 1681, section 604a, subsection 2 outlines that consumer reporting agencies may solely furnish consumer reports in adherence to the explicit written directives of the concerned consumer. Both the financial institution, as the provider of information to credit agencies, and the consumer reporting agencies such as XXXX and Experian, and XXXX, do not possess my authorization to furnish this information, nor do they have my explicit written consent. Therefore, any consent previously extended to XXXX, Experian, XXXX, or other entities acting as furnishers of information to credit agencies, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 
Moreover, 15 USC 6802 ( b ) ( c ) dictates that a financial institution must not disclose nonpublic personal information to nonaffiliated third parties unless the consumer is provided with a clear explanation of how they can exercise their right to non-disclosure. Regrettably, the financial institution in question failed to inform me of my right to exercise this option. Additionally, as per 15 USC 1681C ( a ) ( 5 ), no consumer reporting agency may include certain adverse items of information in a consumer report without proper authorization, a provision this account infringes upon. 
Under 15 U.S. Code 1681s2 ( A ) ( 1 ), entities are prohibited from furnishing inaccurate information to consumer reporting agencies, yet XXXX and Experian continue to do so. Furthermore, 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to prevent violations of section 1681c and restrict the furnishing of consumer reports to the purposes specified under section 1681b, a requirement which XXXX and Experian seem to neglect. 
Additionally, as outlined in 12 CFR 1016.7, consumers retain the right to opt out of reporting services at any given time. Hence, I am formally exercising my right to opt out of your reporting services effective immediately.
Consumer complaint received 2023-01-05
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: EQUIFAX, INC. (SC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance Owed : {$210.00}
Consumer complaint received 2022-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

For 3 weeks now I have been in contact with USAA Federal Savings Bank ; the amount that I am permitted to deposit via the mobile app is just {$1000.00} on my end ; on their end they are saying it shows {$25000.00} and they don't know what is wrong. They are telling me to put an incorrect amount on the deposit and they will fix it on their end. This feels dishonest to me. I need this fixed ; I have contacted them on multiple occasions but no one will get back to me.
Consumer complaint received 2022-03-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kansas Counselors, Inc. (KS)

I applied for credit was told by creditors that I had numerous collection items on my credit reports. As a follow up, I requested and received copies of my credit reports from the three main agencies ( XXXX, XXXX XXXX XXXX ). Once I received the reports I found listed on my credit reports was Kansas Counselors with numerous negative items. At no time did they notify me of these items to allow me the opportunity to resolve or dispute. Since I wasn't given that right, I sent the firm a letter ( by regular mail on XX/XX/XXXX ) and a second letter ( by certified mail on XX/XX/XXXX with a proof receipt ). In each case I asked for a response within 30 days and requested that they validate the debts or remove negative items from my credit reports. As of today I haven't heard from Kansas Counselors with an acknowledgement of my letters or an attempt from them to address my concerns. Therefore, I am requesting CFPB help me resolve this matter that is impacting my credit. Thanks.
Consumer complaint received 2018-12-14
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Select Management Resources, LLC (MD)

I took out a loan for {$1300.00} from them in XXXX. As of today, there is {$1500.00} left and they have the nerve to tell me I already paid {$1500.00} of just interest. Are you serious!!??? This is highway robbery and they are seriously taking advantage of people. I told them today was my last payment to them because there is no way someone and morally justify to me that it is right for me to pay {$1500.00} worth of interest on a {$1300.00} loan. Thats more that was the loan is!!!!
Consumer complaint received 2018-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (OK)

I purchased a ring from XXXX XXXX in XX/XX/XXXX. I returned the ring within 14 days of purchase and closed the account. I was told all fees and charges would be credited to my account. When I received my XX/XX/XXXXand XX/XX/XXXX monthly statements I saw there was still an outstanding amount of {$2.00}. I contacted XXXX XXXX customer service. They indicated this was a mistake on their part and to please disregard the statements. When reviewing my credit report today I noticed I now have a late fee that has been added and the report indicates I am 30-60 days past due. I contacted XXXX XXXX  again today and the representative stated she inadvertently reported this incorrectly and realized her error AFTER she submitted the information to the credit reporting agencies. The XXXX XXXX   representative indicated she is unable to rescind the submitted information to the credit reporting agencies The rep. indicated they have removed and credited all fees to my account as of today, however I would need to initiate the correspondence to have this removed from my credit reports. The representative stated XXXX XXXX will be happy to confirm this error to the CFPB, FTC, and credit reporting agencies by contacting them at XXXX
Consumer complaint received 2020-12-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Earnest Inc. (CA)

On XX/XX/XXXX, I signed a student loan refinance with Earnest for approximately {$90000.00} to refinance a loan held by XXXX, XXXX. While they claim to have sent the payment to my prior servicer and began charging interest on the loan, my servicer has claimed they haven't received the funds. Earnest has said they can't do anything until after 40 days BUT continue to charge me interest on the loan thus I am accruing interest for the same amount with both servicers.
Consumer complaint received 2018-05-21
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. (NC)

I have sent several letters to them regarding a bankruptcy listed on my credit report. The information is incorrect all of it. They have stated that the info was verified through the furnisher which is not true they have never contacted them. I have on several occasions asked for the person who contacted the furnisher as well as the person they have spoke with and they have never provided that information to me. The information they are providing is information from a third party which I have also contacted regarding the info. I have since then froze and suppressed my files and the credit bureaus are still stating they have validated. Once again they have not been truthful. I will like both bankruptcies removed from my reports as they are incorrect. My spouse have kicked me and my XXXX children out and left us XXXX  atvtuis time I do not have attachments. Due to the false information reporting I have been unable to obtain a place to stay for me and my children. U will like this issue resolved as soon as possible so that I am able to secure a place to live for me and my children
Consumer complaint received 2022-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

WHY ARE YOU REPORTING THIS INACCURATE INFORMATION? THE BALANCE ON THIS ACCOUNT IS {$0.00} MEANING THERE AREN'T AN OBLIGATION THAT'S DUE. THE BALANCE WAS PAID OFF OVER 10 YEARS AGO. THIS INACCURATE INFORMATION IS DEFAMATION OF MY CHARACTER.The obligation was paid theres no need to have inaccurate information reporting especially when the obligation has met these types of things destroy a person 's life and character. 


THIS ACCOUNT SHOULDN'T BE LISTED AS DEROGATORY WHEN THE BALANCE AND {$0.00} AND NOTHING WAS NEVER OWED ON THIS ACCOUNT DELETE THIS INACCURATE INFORMATION. 
WHY ARE YOU ALLOWING A SCAMMER TO RUIN MY LIFE AND YOU WONDER WHY ITS XXXX  VICTIMS.
Consumer complaint received 2020-06-06
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. (GA)

I am victim of identity and this issue is never ending as I continue to have fraudulent accounts opened in my name. I have contacted the credit bureaus, and creditors and this is just becoming a daily occurrence of trying to rectify the identity theft issues that are happening on a daily basis. Especially, since I continue to submit documentation to the credit bureaus and I have had no response The fraudulent accounts are XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. See attached for the police report filed for these fraudulent accounts.
Consumer complaint received 2018-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have sent several letters to them regarding a bankruptcy listed on my credit report. The information is incorrect all of it. They have stated that the info was verified through the furnisher which is not true they have never contacted them. I have on several occasions asked for the person who contacted the furnisher as well as the person they have spoke with and they have never provided that information to me. The information they are providing is information from a third party which I have also contacted regarding the info. I have since then froze and suppressed my files and the credit bureaus are still stating they have validated. Once again they have not been truthful. I will like both bankruptcies removed from my reports as they are incorrect. My spouse have kicked me and my XXXX children out and left us XXXX atvtuis time I do not have attachments. Due to the false information reporting I have been unable to obtain a place to stay for me and my children. U will like this issue resolved as soon as possible so that I am able to secure a place to live for me and my children
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

THE FIRST DEMAND LETTER WAS SENT ON XXXX XXXX XXXX This is my second demand to furnish the method of verification from experian on how they are conducting the investigation and the re investigation methods according to section 611 i sent experian a demand letter on XXXX XXXX XXXX  yet experian likes to play games and not abide by the FCRA. PLEASE HELP CFPB. EXPERIAN IS STEPPING ALL OVER MY CONSUMER RIGHTS
Consumer complaint received 2020-06-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (FL)

On XX/XX/XXXX I was looking at my credit report and noticed that XXXX XXXX sold an outstanding bill of {$470.00} to Credit Collection Service and it was really hurting my credit. I contacted Credit Collection Service and a customer representative identified herself as XXXX. I explained to her that I do not know why XXXX XXXX would submit this to them when I have to pay monthly and if I do not pay then they lapse my motor vehicle policy. Anyway, I decided to go ahead and negotiate to have it removed from my credit report and the customer representative told me they could not remove it from my credit but would accept {$280.00} as PAYMENT IN FULL and to have it reflected on my report as PAID IN FULL with a {$0.00} balance. I really wanted it removed but she insisted that it could not be removed but would reflect PAID IN FULL {$0.00} balance. I took a look on my credit report today XX/XX/XXXX and noticed that they deducted the {$280.00} from the outstanding bill of {$470.00} and renew the balance of {$190.00} as a new debt. This is grossly dishonest and I really would appreciate your assistance in this matter. They have further damaged my credit by not report the debt as PAID IN FULL {$0.00} balance as promised and instead posted a new debt with the balance of {$190.00}. The customer service representative provided the following information : CONFIRMATION OF PAYMENT : XXXX # XXXX - CUSTOMER REP : XXXX Any assistance provided would be greatly appreciated. I am hoping they recorded the conversation.
Consumer complaint received 2018-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/XXXX I had contacted American Express to close out my Amex EveryDay Card ending in 61000 which they had closed out on XX/XX/XXXX. I then requested to reopen the account on XX/XX/XXXX and was told I was not qualifying for reinstatement per federal regulation and it had to have been completed within 90 days. This is a false and misleading statement, as there is no federal regulation that outlines when an account may be reinstated or reopened. I was then unfairly deceived into applying for a card again and was declined and incurred an inquiry on my credit due to AMEX customer service 's false information surround federal regulations. The only regulations that govern an account reopen request are BSA ( KYC/CIP ), Regulation Z, and Regulation B ( should the request be declined. )
Consumer complaint received 2023-06-13
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. (TX)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I asked that the items including unauthorized inquiries be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions identity theft affidavit. Please delete the items as soon as possible.